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 | 4.6422% | 2,796 |
| Cost of funding earning assets | 0.6822% | 3,951 |
| Net interest margin | 3.9601% | 1,267 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.3404% | 2,744 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.4330% | 1,152 |
| Return on assets (ROA) | 1.4330% | 1,120 |
| Pretax return on assets | 1.5057% | 1,402 |
| Return on Equity (ROE) | 16.6600% | 996 |
| Retained earnings to average equity (ytd only) | 10.7741% | 847 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.3414% | 3,037 |
| Assets per employee ($millions) | 5.3931% | 3,331 |
| Cash dividends to net income (ytd only)* | 35.3261% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 3,409 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 60.5900% | 2,798 |
| Net loans and leases to deposits | 67.1373% | 3,095 |
| Net loans and leases to core deposits | 68.9694% | 3,357 |
| Total domestic deposits to total assets | 90.2400% | 700 |
| Equity capital to assets | 9.2088% | 2,533 |
| Core capital (leverage) ratio | 9.2728% | 3,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6370% | 1,363 |
| Memoranda: | ||
| Average total assets | $77,039,400 | 4,044 |
| Average earning assets | $73,003,800 | 4,002 |
| Average equity | $6,627,000 | 4,092 |
| Average total loans | $47,107,600 | 3,884 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 2,730 |
| Cost of funding earning assets | 0.6340% | 3,911 |
| Net interest margin | 3.9440% | 1,317 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.1302% | 3,271 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.6377% | 880 |
| Return on assets (ROA) | 1.6377% | 873 |
| Pretax return on assets | 1.7100% | 1,145 |
| Return on Equity (ROE) | 19.3700% | 789 |
| Retained earnings to average equity (ytd only) | 13.0163% | 809 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.8559% | 3,506 |
| Assets per employee ($millions) | 5.6452% | 3,067 |
| Cash dividends to net income (ytd only)* | 32.8076% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 3,594 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 65.0400% | 2,340 |
| Net loans and leases to deposits | 72.1228% | 2,701 |
| Net loans and leases to core deposits | 73.2944% | 3,037 |
| Total domestic deposits to total assets | 90.1800% | 896 |
| Equity capital to assets | 9.3736% | 2,185 |
| Core capital (leverage) ratio | 9.2003% | 3,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9498% | 1,580 |
| Memoranda: | ||
| Average total assets | $77,423,250 | 4,053 |
| Average earning assets | $73,393,000 | 4,013 |
| Average equity | $6,545,500 | 4,101 |
| Average total loans | $47,334,750 | 3,890 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4697% | 2,723 |
| Cost of funding earning assets | 0.5904% | 3,778 |
| Net interest margin | 3.8792% | 1,464 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.1049% | 3,330 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.6022% | 941 |
| Return on assets (ROA) | 1.6022% | 945 |
| Pretax return on assets | 1.6682% | 1,281 |
| Return on Equity (ROE) | 19.6100% | 753 |
| Retained earnings to average equity (ytd only) | 12.3401% | 922 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.9370% | 3,538 |
| Assets per employee ($millions) | 6.8707% | 2,025 |
| Cash dividends to net income (ytd only)* | 37.0840% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 3,601 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 61.9900% | 2,576 |
| Net loans and leases to deposits | 68.2396% | 2,911 |
| Net loans and leases to core deposits | 69.2994% | 3,168 |
| Total domestic deposits to total assets | 90.8500% | 696 |
| Equity capital to assets | 8.7803% | 2,670 |
| Core capital (leverage) ratio | 8.4915% | 4,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6735% | 1,660 |
| Memoranda: | ||
| Average total assets | $78,768,667 | 4,058 |
| Average earning assets | $74,860,333 | 4,016 |
| Average equity | $6,434,333 | 4,149 |
| Average total loans | $47,051,000 | 3,904 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2918% | 2,819 |
| Cost of funding earning assets | 0.5025% | 3,677 |
| Net interest margin | 3.7893% | 1,713 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.1403% | 3,279 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.5181% | 1,153 |
| Return on assets (ROA) | 1.5181% | 1,133 |
| Pretax return on assets | 1.5728% | 1,525 |
| Return on Equity (ROE) | 19.2600% | 846 |
| Retained earnings to average equity (ytd only) | 11.8734% | 1,293 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.7282% | 3,328 |
| Assets per employee ($millions) | 6.3637% | 2,442 |
| Cash dividends to net income (ytd only)* | 38.3607% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 3,727 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 60.1700% | 2,631 |
| Net loans and leases to deposits | 65.8781% | 2,944 |
| Net loans and leases to core deposits | 66.4017% | 3,198 |
| Total domestic deposits to total assets | 91.3300% | 694 |
| Equity capital to assets | 8.4176% | 2,955 |
| Core capital (leverage) ratio | 7.9408% | 4,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2077% | 1,905 |
| Memoranda: | ||
| Average total assets | $80,364,000 | 4,097 |
| Average earning assets | $76,425,000 | 4,051 |
| Average equity | $6,333,500 | 4,215 |
| Average total loans | $46,924,000 | 3,945 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2743% | 3,651 |
| Cost of funding earning assets | 0.1891% | 3,841 |
| Net interest margin | 3.0852% | 3,211 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.3745% | 2,497 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9767% | 2,646 |
| Return on assets (ROA) | 0.9767% | 2,595 |
| Pretax return on assets | 1.0294% | 2,982 |
| Return on Equity (ROE) | 12.2000% | 2,075 |
| Retained earnings to average equity (ytd only) | 0.2405% | 4,307 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.6536% | 1,735 |
| Assets per employee ($millions) | 6.4895% | 2,344 |
| Cash dividends to net income (ytd only)* | 98.0289% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8997% | 3,771 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 55.7500% | 3,056 |
| Net loans and leases to deposits | 60.4612% | 3,306 |
| Net loans and leases to core deposits | 60.4612% | 3,482 |
| Total domestic deposits to total assets | 92.2100% | 584 |
| Equity capital to assets | 7.3953% | 3,442 |
| Core capital (leverage) ratio | 7.7295% | 4,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3253% | 2,226 |
| Memoranda: | ||
| Average total assets | $77,912,600 | 4,151 |
| Average earning assets | $74,030,400 | 4,109 |
| Average equity | $6,237,400 | 4,302 |
| Average total loans | $47,097,400 | 3,944 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0655% | 3,752 |
| Cost of funding earning assets | 0.1305% | 4,029 |
| Net interest margin | 2.9350% | 3,402 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.1564% | 3,051 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.2302% | 1,589 |
| Return on assets (ROA) | 1.2302% | 1,563 |
| Pretax return on assets | 1.2809% | 2,105 |
| Return on Equity (ROE) | 15.0500% | 1,161 |
| Retained earnings to average equity (ytd only) | 1.6033% | 4,119 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.6078% | 2,752 |
| Assets per employee ($millions) | 6.1868% | 2,587 |
| Cash dividends to net income (ytd only)* | 89.3466% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8449% | 4,000 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 67.5000% | 1,730 |
| Net loans and leases to deposits | 73.9853% | 2,049 |
| Net loans and leases to core deposits | 74.5356% | 2,309 |
| Total domestic deposits to total assets | 91.2300% | 1,144 |
| Equity capital to assets | 8.4831% | 2,556 |
| Core capital (leverage) ratio | 8.1861% | 4,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2062% | 2,390 |
| Memoranda: | ||
| Average total assets | $76,299,750 | 4,195 |
| Average earning assets | $72,547,750 | 4,155 |
| Average equity | $6,237,000 | 4,347 |
| Average total loans | $47,006,500 | 3,962 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7916% | 3,992 |
| Cost of funding earning assets | 0.0791% | 4,389 |
| Net interest margin | 2.7126% | 3,675 |
| Noninterest income to average assets | 0.9352% | 777 |
| Noninterest expense to average assets | 2.1510% | 2,993 |
| Loan and lease loss provision to assets | 0.0104% | 2,401 |
| Net operating income to assets | 1.3379% | 1,053 |
| Return on assets (ROA) | 1.3379% | 1,032 |
| Pretax return on assets | 1.3587% | 1,556 |
| Return on Equity (ROE) | 16.5684% | 629 |
| Retained earnings to average equity (ytd only) | 0.0965% | 4,164 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1070% | 3,168 |
| Assets per employee ($millions) | 6.4193% | 2,376 |
| Cash dividends to net income (ytd only)* | 99.4175% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 4,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 62.8077% | 2,034 |
| Net loans and leases to deposits | 68.4861% | 2,348 |
| Net loans and leases to core deposits | 69.2210% | 2,547 |
| Total domestic deposits to total assets | 91.7086% | 960 |
| Equity capital to assets | 8.0837% | 3,052 |
| Core capital (leverage) ratio | 8.1935% | 4,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8430% | 2,129 |
| Memoranda: | ||
| Average total assets | $76,985,667 | 4,236 |
| Average earning assets | $73,362,333 | 4,203 |
| Average equity | $6,216,667 | 4,395 |
| Average total loans | $45,829,333 | 4,034 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6264% | 4,077 |
| Cost of funding earning assets | 0.0546% | 4,564 |
| Net interest margin | 2.5718% | 3,732 |
| Noninterest income to average assets | 0.1819% | 4,069 |
| Noninterest expense to average assets | 2.1205% | 3,079 |
| Loan and lease loss provision to assets | 0.0208% | 1,983 |
| Net operating income to assets | 0.4782% | 3,765 |
| Return on assets (ROA) | 0.4782% | 3,734 |
| Pretax return on assets | 0.4885% | 3,886 |
| Return on Equity (ROE) | 5.9245% | 3,362 |
| Retained earnings to average equity (ytd only) | -1.6099% | 4,214 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6324% | 1,096 |
| Assets per employee ($millions) | 5.8464% | 2,951 |
| Cash dividends to net income (ytd only)* | 127.1739% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 3,910 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 58.7411% | 2,210 |
| Net loans and leases to deposits | 64.1083% | 2,519 |
| Net loans and leases to core deposits | 64.8062% | 2,734 |
| Total domestic deposits to total assets | 91.6280% | 740 |
| Equity capital to assets | 8.1563% | 3,444 |
| Core capital (leverage) ratio | 8.0722% | 4,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3614% | 1,680 |
| Memoranda: | ||
| Average total assets | $76,962,500 | 4,259 |
| Average earning assets | $73,255,000 | 4,224 |
| Average equity | $6,211,500 | 4,447 |
| Average total loans | $44,339,000 | 4,072 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7229% | 2,049 |
| Cost of funding earning assets | 0.1111% | 4,298 |
| Net interest margin | 3.6118% | 1,436 |
| Noninterest income to average assets | 0.1978% | 4,175 |
| Noninterest expense to average assets | 2.4536% | 2,328 |
| Loan and lease loss provision to assets | 0.0659% | 1,746 |
| Net operating income to assets | 1.0666% | 2,432 |
| Return on assets (ROA) | 1.0666% | 2,504 |
| Pretax return on assets | 1.1062% | 2,952 |
| Return on Equity (ROE) | 13.8518% | 1,230 |
| Retained earnings to average equity (ytd only) | 4.0922% | 3,189 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6727% | 2,033 |
| Assets per employee ($millions) | 5.9940% | 2,781 |
| Cash dividends to net income (ytd only)* | 70.4574% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 3,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 55.4182% | 2,693 |
| Net loans and leases to deposits | 60.6222% | 3,022 |
| Net loans and leases to core deposits | 61.2673% | 3,221 |
| Total domestic deposits to total assets | 91.4158% | 340 |
| Equity capital to assets | 7.9875% | 4,370 |
| Core capital (leverage) ratio | 7.9257% | 4,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7318% | 1,607 |
| Memoranda: | ||
| Average total assets | $75,847,800 | 4,269 |
| Average earning assets | $71,986,400 | 4,235 |
| Average equity | $5,840,400 | 4,548 |
| Average total loans | $47,006,800 | 4,054 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0574% | 1,407 |
| Cost of funding earning assets | 0.1213% | 4,343 |
| Net interest margin | 3.9361% | 878 |
| Noninterest income to average assets | 0.2159% | 4,104 |
| Noninterest expense to average assets | 2.1417% | 3,243 |
| Loan and lease loss provision to assets | 0.0677% | 1,651 |
| Net operating income to assets | 1.7027% | 822 |
| Return on assets (ROA) | 1.7027% | 862 |
| Pretax return on assets | 1.7416% | 1,303 |
| Return on Equity (ROE) | 22.3280% | 285 |
| Retained earnings to average equity (ytd only) | 12.3013% | 774 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2115% | 3,780 |
| Assets per employee ($millions) | 5.6818% | 3,008 |
| Cash dividends to net income (ytd only)* | 44.9064% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8870% | 4,182 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 62.1778% | 1,985 |
| Net loans and leases to deposits | 67.8851% | 2,448 |
| Net loans and leases to core deposits | 68.6461% | 2,720 |
| Total domestic deposits to total assets | 91.5927% | 214 |
| Equity capital to assets | 8.0147% | 4,516 |
| Core capital (leverage) ratio | 7.8417% | 4,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6341% | 2,113 |
| Memoranda: | ||
| Average total assets | $75,329,250 | 4,330 |
| Average earning assets | $71,473,000 | 4,295 |
| Average equity | $5,744,500 | 4,623 |
| Average total loans | $47,857,000 | 4,095 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 651 |
| Cost of funding earning assets | 0.1249% | 4,395 |
| Net interest margin | 4.4459% | 392 |
| Noninterest income to average assets | 0.2480% | 3,917 |
| Noninterest expense to average assets | 2.1789% | 3,158 |
| Loan and lease loss provision to assets | 0.0659% | 1,725 |
| Net operating income to assets | 2.1736% | 356 |
| Return on assets (ROA) | 2.1736% | 377 |
| Pretax return on assets | 2.2290% | 550 |
| Return on Equity (ROE) | 28.9835% | 111 |
| Retained earnings to average equity (ytd only) | 18.6423% | 198 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7028% | 4,341 |
| Assets per employee ($millions) | 5.9035% | 2,712 |
| Cash dividends to net income (ytd only)* | 35.6796% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8197% | 4,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 62.7481% | 2,092 |
| Net loans and leases to deposits | 68.2919% | 2,589 |
| Net loans and leases to core deposits | 69.5263% | 2,824 |
| Total domestic deposits to total assets | 91.8822% | 149 |
| Equity capital to assets | 7.7139% | 4,670 |
| Core capital (leverage) ratio | 7.6691% | 4,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0687% | 1,946 |
| Memoranda: | ||
| Average total assets | $75,817,667 | 4,351 |
| Average earning assets | $72,066,000 | 4,315 |
| Average equity | $5,686,000 | 4,654 |
| Average total loans | $48,363,333 | 4,112 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9402% | 386 |
| Cost of funding earning assets | 0.1453% | 4,337 |
| Net interest margin | 4.7949% | 241 |
| Noninterest income to average assets | 0.2654% | 3,806 |
| Noninterest expense to average assets | 2.1870% | 3,143 |
| Loan and lease loss provision to assets | 0.0637% | 1,864 |
| Net operating income to assets | 2.5214% | 257 |
| Return on assets (ROA) | 2.5214% | 279 |
| Pretax return on assets | 2.5692% | 386 |
| Return on Equity (ROE) | 34.1174% | 91 |
| Retained earnings to average equity (ytd only) | 25.7138% | 122 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3744% | 4,506 |
| Assets per employee ($millions) | 5.3382% | 3,294 |
| Cash dividends to net income (ytd only)* | 24.6316% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7712% | 4,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 66.2809% | 1,763 |
| Net loans and leases to deposits | 72.0866% | 2,308 |
| Net loans and leases to core deposits | 73.4243% | 2,566 |
| Total domestic deposits to total assets | 91.9462% | 157 |
| Equity capital to assets | 7.6912% | 4,642 |
| Core capital (leverage) ratio | 7.5804% | 4,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9700% | 2,683 |
| Memoranda: | ||
| Average total assets | $75,354,000 | 4,373 |
| Average earning assets | $71,575,500 | 4,335 |
| Average equity | $5,569,000 | 4,688 |
| Average total loans | $48,268,000 | 4,139 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9818% | 2,788 |
| Cost of funding earning assets | 0.4786% | 3,092 |
| Net interest margin | 3.5033% | 2,467 |
| Noninterest income to average assets | 0.2796% | 3,806 |
| Noninterest expense to average assets | 2.5255% | 2,769 |
| Loan and lease loss provision to assets | 0.0732% | 3,470 |
| Net operating income to assets | 0.9633% | 2,425 |
| Return on assets (ROA) | 0.9633% | 2,573 |
| Pretax return on assets | 0.9926% | 3,066 |
| Return on Equity (ROE) | 12.2141% | 1,261 |
| Retained earnings to average equity (ytd only) | 2.5616% | 3,568 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3221% | 1,905 |
| Assets per employee ($millions) | 5.8441% | 2,505 |
| Cash dividends to net income (ytd only)* | 79.0274% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8002% | 4,427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 60.8677% | 2,749 |
| Net loans and leases to deposits | 65.8845% | 3,281 |
| Net loans and leases to core deposits | 68.2131% | 3,399 |
| Total domestic deposits to total assets | 92.3855% | 41 |
| Equity capital to assets | 7.0946% | 4,908 |
| Core capital (leverage) ratio | 7.2211% | 4,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9938% | 2,628 |
| Memoranda: | ||
| Average total assets | $68,303,800 | 4,411 |
| Average earning assets | $64,568,200 | 4,382 |
| Average equity | $5,387,200 | 4,707 |
| Average total loans | $49,708,800 | 4,117 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 2,268 |
| Cost of funding earning assets | 0.5462% | 2,957 |
| Net interest margin | 3.6981% | 1,950 |
| Noninterest income to average assets | 0.2872% | 3,766 |
| Noninterest expense to average assets | 2.4101% | 3,102 |
| Loan and lease loss provision to assets | 0.0768% | 3,359 |
| Net operating income to assets | 1.2633% | 1,441 |
| Return on assets (ROA) | 1.2633% | 1,557 |
| Pretax return on assets | 1.2954% | 2,069 |
| Return on Equity (ROE) | 15.5694% | 606 |
| Retained earnings to average equity (ytd only) | 5.9159% | 2,138 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7281% | 2,782 |
| Assets per employee ($millions) | 4.9819% | 3,271 |
| Cash dividends to net income (ytd only)* | 62.0032% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6897% | 4,592 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 74.5279% | 1,306 |
| Net loans and leases to deposits | 81.3283% | 2,167 |
| Net loans and leases to core deposits | 84.8420% | 2,394 |
| Total domestic deposits to total assets | 91.6384% | 89 |
| Equity capital to assets | 7.8727% | 4,752 |
| Core capital (leverage) ratio | 8.0739% | 4,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8866% | 2,939 |
| Memoranda: | ||
| Average total assets | $66,386,500 | 4,447 |
| Average earning assets | $62,733,250 | 4,418 |
| Average equity | $5,386,500 | 4,727 |
| Average total loans | $50,482,000 | 4,125 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 2,067 |
| Cost of funding earning assets | 0.5972% | 2,979 |
| Net interest margin | 3.8558% | 1,677 |
| Noninterest income to average assets | 0.3034% | 3,650 |
| Noninterest expense to average assets | 2.4331% | 3,163 |
| Loan and lease loss provision to assets | 0.0797% | 3,301 |
| Net operating income to assets | 1.4035% | 1,104 |
| Return on assets (ROA) | 1.4035% | 1,197 |
| Pretax return on assets | 1.4311% | 1,639 |
| Return on Equity (ROE) | 17.1162% | 440 |
| Retained earnings to average equity (ytd only) | 8.3712% | 1,200 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6939% | 3,170 |
| Assets per employee ($millions) | 4.8369% | 3,377 |
| Cash dividends to net income (ytd only)* | 51.0917% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6724% | 4,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 76.1375% | 1,116 |
| Net loans and leases to deposits | 84.6990% | 1,922 |
| Net loans and leases to core deposits | 88.5633% | 2,192 |
| Total domestic deposits to total assets | 89.8918% | 429 |
| Equity capital to assets | 8.0866% | 4,676 |
| Core capital (leverage) ratio | 8.1223% | 4,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0150% | 2,962 |
| Memoranda: | ||
| Average total assets | $65,266,333 | 4,466 |
| Average earning assets | $61,621,667 | 4,444 |
| Average equity | $5,351,667 | 4,760 |
| Average total loans | $49,862,000 | 4,148 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2927% | 2,947 |
| Cost of funding earning assets | 0.6558% | 3,140 |
| Net interest margin | 3.6369% | 2,548 |
| Noninterest income to average assets | 0.3997% | 3,109 |
| Noninterest expense to average assets | 2.5234% | 3,200 |
| Loan and lease loss provision to assets | 0.0812% | 2,691 |
| Net operating income to assets | 1.1992% | 1,517 |
| Return on assets (ROA) | 1.1992% | 1,636 |
| Pretax return on assets | 1.2242% | 2,114 |
| Return on Equity (ROE) | 14.5193% | 607 |
| Retained earnings to average equity (ytd only) | 5.6716% | 2,002 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9054% | 2,978 |
| Assets per employee ($millions) | 4.6304% | 3,084 |
| Cash dividends to net income (ytd only)* | 60.9375% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6835% | 4,640 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 75.3124% | 1,416 |
| Net loans and leases to deposits | 85.4099% | 2,067 |
| Net loans and leases to core deposits | 89.3439% | 2,409 |
| Total domestic deposits to total assets | 88.1776% | 1,029 |
| Equity capital to assets | 8.2174% | 4,927 |
| Core capital (leverage) ratio | 8.3700% | 4,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9216% | 3,127 |
| Memoranda: | ||
| Average total assets | $64,041,000 | 4,498 |
| Average earning assets | $60,381,000 | 4,474 |
| Average equity | $5,289,500 | 4,806 |
| Average total loans | $48,839,500 | 4,178 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5879% | 2,659 |
| Cost of funding earning assets | 0.7089% | 3,123 |
| Net interest margin | 3.8790% | 2,245 |
| Noninterest income to average assets | 0.3628% | 3,533 |
| Noninterest expense to average assets | 2.7668% | 2,703 |
| Loan and lease loss provision to assets | 0.0817% | 2,369 |
| Net operating income to assets | 1.1015% | 2,443 |
| Return on assets (ROA) | 1.1015% | 2,538 |
| Pretax return on assets | 1.1538% | 3,002 |
| Return on Equity (ROE) | 12.8035% | 1,237 |
| Retained earnings to average equity (ytd only) | 2.0706% | 3,962 |
| Net charge-offs to loans | 0.0471% | 2,448 |
| Credit loss provision to net charge-offs | 227.2727% | 1,176 |
| Earnings coverage of net charge-offs (x) | 34.3636% | 1,448 |
| Efficiency ratio | 69.1303% | 2,298 |
| Assets per employee ($millions) | 4.5183% | 3,195 |
| Cash dividends to net income (ytd only)* | 83.8279% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6657% | 4,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 76.1951% | 1,377 |
| Net loans and leases to deposits | 83.8328% | 2,352 |
| Net loans and leases to core deposits | 88.6123% | 2,550 |
| Total domestic deposits to total assets | 90.8894% | 131 |
| Equity capital to assets | 8.3028% | 4,981 |
| Core capital (leverage) ratio | 8.3771% | 4,909 |
| Tier 1 risk-based capital ratio | 11.3268% | 4,718 |
| Total risk-based capital ratio | 12.0234% | 4,845 |
| Memoranda: | ||
| Average total assets | $61,189,600 | 4,582 |
| Average earning assets | $57,412,400 | 4,569 |
| Average equity | $5,264,200 | 4,854 |
| Average total loans | $46,748,200 | 4,244 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6306% | 2,631 |
| Cost of funding earning assets | 0.7128% | 3,146 |
| Net interest margin | 3.9178% | 2,196 |
| Noninterest income to average assets | 0.3714% | 3,492 |
| Noninterest expense to average assets | 2.4832% | 3,485 |
| Loan and lease loss provision to assets | 0.0989% | 1,940 |
| Net operating income to assets | 1.4130% | 1,423 |
| Return on assets (ROA) | 1.4130% | 1,487 |
| Pretax return on assets | 1.4613% | 2,071 |
| Return on Equity (ROE) | 16.2762% | 569 |
| Retained earnings to average equity (ytd only) | 5.9232% | 2,409 |
| Net charge-offs to loans | 0.0633% | 1,918 |
| Credit loss provision to net charge-offs | 204.5455% | 1,287 |
| Earnings coverage of net charge-offs (x) | 32.2755% | 1,564 |
| Efficiency ratio | 61.4130% | 3,419 |
| Assets per employee ($millions) | 3.9395% | 3,975 |
| Cash dividends to net income (ytd only)* | 63.6083% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6546% | 4,720 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 81.6662% | 608 |
| Net loans and leases to deposits | 90.4726% | 1,636 |
| Net loans and leases to core deposits | 94.6273% | 2,119 |
| Total domestic deposits to total assets | 90.2662% | 223 |
| Equity capital to assets | 9.0992% | 4,729 |
| Core capital (leverage) ratio | 8.9147% | 4,698 |
| Tier 1 risk-based capital ratio | 11.6275% | 4,602 |
| Total risk-based capital ratio | 12.3151% | 4,772 |
| Memoranda: | ||
| Average total assets | $60,673,000 | 4,648 |
| Average earning assets | $56,866,500 | 4,638 |
| Average equity | $5,267,250 | 4,919 |
| Average total loans | $46,305,000 | 4,305 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5325% | 2,909 |
| Cost of funding earning assets | 0.6922% | 3,211 |
| Net interest margin | 3.8402% | 2,435 |
| Noninterest income to average assets | 0.3791% | 3,408 |
| Noninterest expense to average assets | 2.4869% | 3,522 |
| Loan and lease loss provision to assets | 0.0980% | 1,906 |
| Net operating income to assets | 1.3562% | 1,552 |
| Return on assets (ROA) | 1.3562% | 1,622 |
| Pretax return on assets | 1.4020% | 2,205 |
| Return on Equity (ROE) | 15.8679% | 611 |
| Retained earnings to average equity (ytd only) | 6.1942% | 2,195 |
| Net charge-offs to loans | 0.0966% | 1,396 |
| Credit loss provision to net charge-offs | 136.3636% | 1,603 |
| Earnings coverage of net charge-offs (x) | 20.8636% | 1,754 |
| Efficiency ratio | 62.3770% | 3,371 |
| Assets per employee ($millions) | 4.0910% | 3,747 |
| Cash dividends to net income (ytd only)* | 60.9639% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6502% | 4,794 |
| Loan loss allowance to noncurrent loans | 1,442.8571% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 4,600 |
| Noncurrent loans to loans | 0.0451% | 4,485 |
| Net loans and leases to total assets | 75.4420% | 1,639 |
| Net loans and leases to deposits | 83.1552% | 2,586 |
| Net loans and leases to core deposits | 86.7858% | 2,898 |
| Total domestic deposits to total assets | 90.7244% | 148 |
| Equity capital to assets | 8.6450% | 4,984 |
| Core capital (leverage) ratio | 8.7127% | 4,832 |
| Tier 1 risk-based capital ratio | 11.9045% | 4,476 |
| Total risk-based capital ratio | 12.5844% | 4,667 |
| Memoranda: | ||
| Average total assets | $61,199,670 | 4,671 |
| Average earning assets | $57,496,330 | 4,660 |
| Average equity | $5,230,670 | 4,957 |
| Average total loans | $45,547,670 | 4,354 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4427% | 3,078 |
| Cost of funding earning assets | 0.6546% | 3,301 |
| Net interest margin | 3.7881% | 2,574 |
| Noninterest income to average assets | 0.4123% | 3,095 |
| Noninterest expense to average assets | 2.5263% | 3,424 |
| Loan and lease loss provision to assets | 0.0982% | 1,784 |
| Net operating income to assets | 1.2893% | 1,741 |
| Return on assets (ROA) | 1.2893% | 1,781 |
| Pretax return on assets | 1.3482% | 2,266 |
| Return on Equity (ROE) | 15.1728% | 716 |
| Retained earnings to average equity (ytd only) | 7.7790% | 1,747 |
| Net charge-offs to loans | 0.1955% | 714 |
| Credit loss provision to net charge-offs | 68.1818% | 1,865 |
| Earnings coverage of net charge-offs (x) | 10.0455% | 1,980 |
| Efficiency ratio | 63.5914% | 3,302 |
| Assets per employee ($millions) | 4.0741% | 3,815 |
| Cash dividends to net income (ytd only)* | 48.7310% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6363% | 4,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 73.5960% | 1,885 |
| Net loans and leases to deposits | 81.0116% | 2,727 |
| Net loans and leases to core deposits | 84.5445% | 2,983 |
| Total domestic deposits to total assets | 90.8463% | 200 |
| Equity capital to assets | 8.5810% | 4,938 |
| Core capital (leverage) ratio | 8.5867% | 4,954 |
| Tier 1 risk-based capital ratio | 12.1288% | 4,393 |
| Total risk-based capital ratio | 12.7949% | 4,607 |
| Memoranda: | ||
| Average total assets | $61,117,000 | 4,724 |
| Average earning assets | $57,442,500 | 4,708 |
| Average equity | $5,193,500 | 5,003 |
| Average total loans | $45,022,500 | 4,409 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3747% | 2,846 |
| Cost of funding earning assets | 0.4698% | 3,553 |
| Net interest margin | 3.9049% | 2,312 |
| Noninterest income to average assets | 0.4319% | 3,226 |
| Noninterest expense to average assets | 2.8691% | 2,455 |
| Loan and lease loss provision to assets | 0.0948% | 2,257 |
| Net operating income to assets | 1.0772% | 2,687 |
| Return on assets (ROA) | 1.0772% | 2,678 |
| Pretax return on assets | 1.1280% | 3,178 |
| Return on Equity (ROE) | 12.6698% | 1,477 |
| Retained earnings to average equity (ytd only) | 4.5022% | 3,052 |
| Net charge-offs to loans | 0.0023% | 3,662 |
| Credit loss provision to net charge-offs | 5,600.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 722.0000% | 153 |
| Efficiency ratio | 70.1159% | 2,159 |
| Assets per employee ($millions) | 4.0748% | 3,781 |
| Cash dividends to net income (ytd only)* | 64.4654% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6588% | 4,887 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 72.7823% | 2,132 |
| Net loans and leases to deposits | 80.1434% | 2,939 |
| Net loans and leases to core deposits | 82.1093% | 3,255 |
| Total domestic deposits to total assets | 90.8151% | 245 |
| Equity capital to assets | 8.4143% | 4,979 |
| Core capital (leverage) ratio | 8.4762% | 5,035 |
| Tier 1 risk-based capital ratio | 11.8227% | 4,554 |
| Total risk-based capital ratio | 12.5009% | 4,753 |
| Memoranda: | ||
| Average total assets | $59,042,000 | 4,780 |
| Average earning assets | $55,341,200 | 4,764 |
| Average equity | $5,019,800 | 5,048 |
| Average total loans | $43,989,800 | 4,451 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3121% | 2,919 |
| Cost of funding earning assets | 0.4256% | 3,687 |
| Net interest margin | 3.8864% | 2,353 |
| Noninterest income to average assets | 0.4579% | 3,117 |
| Noninterest expense to average assets | 2.7112% | 2,942 |
| Loan and lease loss provision to assets | 0.1003% | 1,996 |
| Net operating income to assets | 1.2371% | 2,101 |
| Return on assets (ROA) | 1.2371% | 2,101 |
| Pretax return on assets | 1.2872% | 2,673 |
| Return on Equity (ROE) | 14.5115% | 980 |
| Retained earnings to average equity (ytd only) | 4.6234% | 3,439 |
| Net charge-offs to loans | 0.0030% | 3,365 |
| Credit loss provision to net charge-offs | 4,400.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 610.5113% | 143 |
| Efficiency ratio | 66.1479% | 2,848 |
| Assets per employee ($millions) | 3.9453% | 3,975 |
| Cash dividends to net income (ytd only)* | 68.1400% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6113% | 5,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 4,722 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 77.7509% | 1,380 |
| Net loans and leases to deposits | 87.2946% | 2,235 |
| Net loans and leases to core deposits | 88.1374% | 2,838 |
| Total domestic deposits to total assets | 89.0673% | 826 |
| Equity capital to assets | 8.6009% | 4,864 |
| Core capital (leverage) ratio | 8.6495% | 5,004 |
| Tier 1 risk-based capital ratio | 11.4673% | 4,803 |
| Total risk-based capital ratio | 12.1049% | 5,009 |
| Memoranda: | ||
| Average total assets | $58,522,000 | 4,839 |
| Average earning assets | $54,821,500 | 4,825 |
| Average equity | $4,989,000 | 5,113 |
| Average total loans | $43,792,000 | 4,505 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1719% | 3,199 |
| Cost of funding earning assets | 0.3586% | 4,018 |
| Net interest margin | 3.8133% | 2,527 |
| Noninterest income to average assets | 0.4837% | 2,955 |
| Noninterest expense to average assets | 2.7717% | 2,757 |
| Loan and lease loss provision to assets | 0.0995% | 1,954 |
| Net operating income to assets | 1.1457% | 2,410 |
| Return on assets (ROA) | 1.1457% | 2,415 |
| Pretax return on assets | 1.1869% | 2,987 |
| Return on Equity (ROE) | 13.4804% | 1,212 |
| Retained earnings to average equity (ytd only) | 3.2288% | 3,956 |
| Net charge-offs to loans | 0.0047% | 3,010 |
| Credit loss provision to net charge-offs | 2,900.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 375.0000% | 244 |
| Efficiency ratio | 68.3009% | 2,590 |
| Assets per employee ($millions) | 3.7003% | 4,350 |
| Cash dividends to net income (ytd only)* | 76.0479% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5827% | 5,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 4,786 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 77.2313% | 1,434 |
| Net loans and leases to deposits | 86.5460% | 2,263 |
| Net loans and leases to core deposits | 86.9575% | 2,825 |
| Total domestic deposits to total assets | 89.2372% | 837 |
| Equity capital to assets | 8.4403% | 4,987 |
| Core capital (leverage) ratio | 8.6524% | 4,997 |
| Tier 1 risk-based capital ratio | 11.3609% | 4,863 |
| Total risk-based capital ratio | 11.9703% | 5,080 |
| Memoranda: | ||
| Average total assets | $58,302,670 | 4,901 |
| Average earning assets | $54,651,330 | 4,883 |
| Average equity | $4,955,330 | 5,172 |
| Average total loans | $42,957,330 | 4,570 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0409% | 3,461 |
| Cost of funding earning assets | 0.2871% | 4,440 |
| Net interest margin | 3.7539% | 2,598 |
| Noninterest income to average assets | 0.5047% | 2,772 |
| Noninterest expense to average assets | 2.8417% | 2,561 |
| Loan and lease loss provision to assets | 0.0968% | 1,901 |
| Net operating income to assets | 1.0510% | 2,645 |
| Return on assets (ROA) | 1.0510% | 2,657 |
| Pretax return on assets | 1.0924% | 3,195 |
| Return on Equity (ROE) | 12.3214% | 1,464 |
| Retained earnings to average equity (ytd only) | 2.8372% | 4,058 |
| Net charge-offs to loans | 0.0097% | 2,400 |
| Credit loss provision to net charge-offs | 1,400.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 172.0000% | 380 |
| Efficiency ratio | 70.4974% | 2,416 |
| Assets per employee ($millions) | 3.6063% | 4,532 |
| Cash dividends to net income (ytd only)* | 76.9737% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5995% | 5,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 4,850 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 72.6984% | 2,060 |
| Net loans and leases to deposits | 80.0378% | 2,805 |
| Net loans and leases to core deposits | 80.4214% | 3,290 |
| Total domestic deposits to total assets | 90.8302% | 372 |
| Equity capital to assets | 8.5823% | 4,913 |
| Core capital (leverage) ratio | 8.6098% | 5,054 |
| Tier 1 risk-based capital ratio | 12.2082% | 4,428 |
| Total risk-based capital ratio | 12.8319% | 4,706 |
| Memoranda: | ||
| Average total assets | $57,852,000 | 4,965 |
| Average earning assets | $54,344,000 | 4,950 |
| Average equity | $4,934,500 | 5,231 |
| Average total loans | $41,440,000 | 4,650 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8613% | 3,850 |
| Cost of funding earning assets | 0.2333% | 4,702 |
| Net interest margin | 3.6280% | 3,073 |
| Noninterest income to average assets | 0.4883% | 3,071 |
| Noninterest expense to average assets | 2.8498% | 2,608 |
| Loan and lease loss provision to assets | 0.0630% | 2,972 |
| Net operating income to assets | 0.9494% | 2,450 |
| Return on assets (ROA) | 0.9494% | 2,481 |
| Pretax return on assets | 0.9885% | 3,621 |
| Return on Equity (ROE) | 11.6052% | 1,312 |
| Retained earnings to average equity (ytd only) | 3.4940% | 3,191 |
| Net charge-offs to loans | 0.0049% | 3,909 |
| Credit loss provision to net charge-offs | 1,850.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 309.0000% | 275 |
| Efficiency ratio | 73.0484% | 2,055 |
| Assets per employee ($millions) | 3.6253% | 4,536 |
| Cash dividends to net income (ytd only)* | 69.8925% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5900% | 5,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 4,111 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 69.7193% | 2,564 |
| Net loans and leases to deposits | 76.7319% | 3,256 |
| Net loans and leases to core deposits | 76.7319% | 3,687 |
| Total domestic deposits to total assets | 90.8610% | 278 |
| Equity capital to assets | 8.4770% | 5,140 |
| Core capital (leverage) ratio | 8.3879% | 5,229 |
| Tier 1 risk-based capital ratio | 12.3748% | 4,279 |
| Total risk-based capital ratio | 12.9788% | 4,581 |
| Memoranda: | ||
| Average total assets | $58,775,200 | 4,989 |
| Average earning assets | $55,292,800 | 4,969 |
| Average equity | $4,808,200 | 5,304 |
| Average total loans | $40,887,600 | 4,707 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8120% | 3,959 |
| Cost of funding earning assets | 0.2352% | 4,701 |
| Net interest margin | 3.5768% | 3,236 |
| Noninterest income to average assets | 0.5087% | 2,980 |
| Noninterest expense to average assets | 2.7766% | 2,807 |
| Loan and lease loss provision to assets | 0.0611% | 2,856 |
| Net operating income to assets | 1.0016% | 2,544 |
| Return on assets (ROA) | 1.0016% | 2,597 |
| Pretax return on assets | 1.0401% | 3,525 |
| Return on Equity (ROE) | 12.3541% | 1,228 |
| Retained earnings to average equity (ytd only) | 2.5656% | 4,352 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6035% | 2,264 |
| Assets per employee ($millions) | 3.5806% | 4,603 |
| Cash dividends to net income (ytd only)* | 79.2330% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5587% | 5,393 |
| Loan loss allowance to noncurrent loans | 227.4510% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.3858% | 3,480 |
| Noncurrent loans to loans | 0.2456% | 4,072 |
| Net loans and leases to total assets | 72.0737% | 2,242 |
| Net loans and leases to deposits | 79.3051% | 3,035 |
| Net loans and leases to core deposits | 79.3051% | 3,510 |
| Total domestic deposits to total assets | 90.8815% | 213 |
| Equity capital to assets | 8.4500% | 5,317 |
| Core capital (leverage) ratio | 8.2945% | 5,374 |
| Tier 1 risk-based capital ratio | 12.2399% | 4,470 |
| Total risk-based capital ratio | 12.8265% | 4,792 |
| Memoranda: | ||
| Average total assets | $58,968,000 | 5,040 |
| Average earning assets | $55,542,500 | 5,018 |
| Average equity | $4,781,000 | 5,367 |
| Average total loans | $40,939,500 | 4,746 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6918% | 4,250 |
| Cost of funding earning assets | 0.2276% | 4,740 |
| Net interest margin | 3.4642% | 3,529 |
| Noninterest income to average assets | 0.4334% | 3,463 |
| Noninterest expense to average assets | 2.6005% | 3,430 |
| Loan and lease loss provision to assets | 0.0605% | 2,755 |
| Net operating income to assets | 1.0079% | 2,385 |
| Return on assets (ROA) | 1.0079% | 2,425 |
| Pretax return on assets | 1.0449% | 3,388 |
| Return on Equity (ROE) | 12.6024% | 1,141 |
| Retained earnings to average equity (ytd only) | 1.1342% | 4,786 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1723% | 2,645 |
| Assets per employee ($millions) | 3.7246% | 4,403 |
| Cash dividends to net income (ytd only)* | 91.0000% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5410% | 5,467 |
| Loan loss allowance to noncurrent loans | 46.0744% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 0.8122% | 2,181 |
| Noncurrent loans to loans | 1.1741% | 1,670 |
| Net loans and leases to total assets | 68.7983% | 2,691 |
| Net loans and leases to deposits | 75.3229% | 3,424 |
| Net loans and leases to core deposits | 75.3229% | 3,827 |
| Total domestic deposits to total assets | 91.3379% | 149 |
| Equity capital to assets | 8.0144% | 5,532 |
| Core capital (leverage) ratio | 7.9526% | 5,554 |
| Tier 1 risk-based capital ratio | 12.1394% | 4,539 |
| Total risk-based capital ratio | 12.7062% | 4,880 |
| Memoranda: | ||
| Average total assets | $59,527,330 | 5,067 |
| Average earning assets | $56,232,000 | 5,043 |
| Average equity | $4,761,000 | 5,407 |
| Average total loans | $40,745,000 | 4,782 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5715% | 4,489 |
| Cost of funding earning assets | 0.2206% | 4,798 |
| Net interest margin | 3.3510% | 3,843 |
| Noninterest income to average assets | 0.4706% | 3,184 |
| Noninterest expense to average assets | 2.6960% | 3,157 |
| Loan and lease loss provision to assets | 0.0605% | 2,590 |
| Net operating income to assets | 0.8539% | 2,970 |
| Return on assets (ROA) | 0.8539% | 3,015 |
| Pretax return on assets | 0.8808% | 3,832 |
| Return on Equity (ROE) | 10.6869% | 1,675 |
| Retained earnings to average equity (ytd only) | 0.8415% | 4,710 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1220% | 2,211 |
| Assets per employee ($millions) | 3.7441% | 4,427 |
| Cash dividends to net income (ytd only)* | 92.1260% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5220% | 5,578 |
| Loan loss allowance to noncurrent loans | 44.0329% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 0.8113% | 2,267 |
| Noncurrent loans to loans | 1.1854% | 1,707 |
| Net loans and leases to total assets | 68.0800% | 2,669 |
| Net loans and leases to deposits | 74.4587% | 3,357 |
| Net loans and leases to core deposits | 74.4587% | 3,796 |
| Total domestic deposits to total assets | 91.4332% | 188 |
| Equity capital to assets | 7.9424% | 5,545 |
| Core capital (leverage) ratio | 7.9621% | 5,575 |
| Tier 1 risk-based capital ratio | 12.5956% | 4,325 |
| Total risk-based capital ratio | 13.1621% | 4,675 |
| Memoranda: | ||
| Average total assets | $59,494,500 | 5,121 |
| Average earning assets | $56,222,500 | 5,096 |
| Average equity | $4,753,500 | 5,467 |
| Average total loans | $40,506,500 | 4,831 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7393% | 4,092 |
| Cost of funding earning assets | 0.2243% | 4,791 |
| Net interest margin | 3.5151% | 3,373 |
| Noninterest income to average assets | 0.4038% | 3,852 |
| Noninterest expense to average assets | 2.5915% | 3,699 |
| Loan and lease loss provision to assets | 0.0118% | 4,139 |
| Net operating income to assets | 1.0829% | 1,972 |
| Return on assets (ROA) | 1.0829% | 2,075 |
| Pretax return on assets | 1.1369% | 2,944 |
| Return on Equity (ROE) | 13.5266% | 866 |
| Retained earnings to average equity (ytd only) | 2.0047% | 4,405 |
| Net charge-offs to loans | 0.0661% | 2,749 |
| Credit loss provision to net charge-offs | 25.9259% | 3,624 |
| Earnings coverage of net charge-offs (x) | 25.1852% | 1,598 |
| Efficiency ratio | 69.2864% | 3,025 |
| Assets per employee ($millions) | 3.9389% | 4,078 |
| Cash dividends to net income (ytd only)* | 85.1794% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5123% | 5,647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 67.3798% | 2,874 |
| Net loans and leases to deposits | 73.6854% | 3,547 |
| Net loans and leases to core deposits | 73.6854% | 3,945 |
| Total domestic deposits to total assets | 91.4425% | 169 |
| Equity capital to assets | 8.0378% | 5,549 |
| Core capital (leverage) ratio | 8.0225% | 5,608 |
| Tier 1 risk-based capital ratio | 12.1386% | 4,629 |
| Total risk-based capital ratio | 12.6626% | 5,009 |
| Memoranda: | ||
| Average total assets | $59,194,600 | 5,159 |
| Average earning assets | $56,186,600 | 5,123 |
| Average equity | $4,738,800 | 5,519 |
| Average total loans | $40,877,800 | 4,844 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7883% | 3,955 |
| Cost of funding earning assets | 0.2276% | 4,809 |
| Net interest margin | 3.5607% | 3,230 |
| Noninterest income to average assets | 0.4503% | 3,556 |
| Noninterest expense to average assets | 2.3797% | 4,334 |
| Loan and lease loss provision to assets | 0.0518% | 3,215 |
| Net operating income to assets | 1.3418% | 1,184 |
| Return on assets (ROA) | 1.3418% | 1,262 |
| Pretax return on assets | 1.4003% | 2,036 |
| Return on Equity (ROE) | 16.7780% | 464 |
| Retained earnings to average equity (ytd only) | 3.6033% | 3,729 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1034% | 4,214 |
| Assets per employee ($millions) | 3.7936% | 4,315 |
| Cash dividends to net income (ytd only)* | 78.5226% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6125% | 5,587 |
| Loan loss allowance to noncurrent loans | 359.4203% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 4,946 |
| Noncurrent loans to loans | 0.1704% | 4,674 |
| Net loans and leases to total assets | 70.7156% | 2,388 |
| Net loans and leases to deposits | 77.5039% | 3,242 |
| Net loans and leases to core deposits | 77.5039% | 3,705 |
| Total domestic deposits to total assets | 91.2414% | 153 |
| Equity capital to assets | 8.4054% | 5,584 |
| Core capital (leverage) ratio | 8.1535% | 5,609 |
| Tier 1 risk-based capital ratio | 12.2050% | 4,673 |
| Total risk-based capital ratio | 12.8378% | 4,945 |
| Memoranda: | ||
| Average total assets | $59,222,500 | 5,202 |
| Average earning assets | $56,242,250 | 5,164 |
| Average equity | $4,736,250 | 5,573 |
| Average total loans | $41,093,500 | 4,888 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7415% | 4,151 |
| Cost of funding earning assets | 0.2277% | 4,868 |
| Net interest margin | 3.5138% | 3,437 |
| Noninterest income to average assets | 0.4700% | 3,408 |
| Noninterest expense to average assets | 2.3468% | 4,478 |
| Loan and lease loss provision to assets | 0.0500% | 3,150 |
| Net operating income to assets | 1.3534% | 1,157 |
| Return on assets (ROA) | 1.3534% | 1,229 |
| Pretax return on assets | 1.4168% | 1,965 |
| Return on Equity (ROE) | 17.2009% | 422 |
| Retained earnings to average equity (ytd only) | 4.8298% | 2,850 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5385% | 4,417 |
| Assets per employee ($millions) | 4.0601% | 3,797 |
| Cash dividends to net income (ytd only)* | 71.9212% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5809% | 5,707 |
| Loan loss allowance to noncurrent loans | 571.4286% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 5,276 |
| Noncurrent loans to loans | 0.1017% | 5,043 |
| Net loans and leases to total assets | 67.4455% | 2,876 |
| Net loans and leases to deposits | 73.3587% | 3,670 |
| Net loans and leases to core deposits | 73.6890% | 4,010 |
| Total domestic deposits to total assets | 91.9394% | 93 |
| Equity capital to assets | 7.8291% | 5,857 |
| Core capital (leverage) ratio | 8.0207% | 5,718 |
| Tier 1 risk-based capital ratio | 11.8926% | 4,901 |
| Total risk-based capital ratio | 12.4913% | 5,206 |
| Memoranda: | ||
| Average total assets | $59,995,330 | 5,239 |
| Average earning assets | $57,089,000 | 5,199 |
| Average equity | $4,720,670 | 5,635 |
| Average total loans | $41,295,330 | 4,927 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8398% | 3,810 |
| Cost of funding earning assets | 0.2259% | 4,942 |
| Net interest margin | 3.6139% | 3,032 |
| Noninterest income to average assets | 0.5106% | 3,047 |
| Noninterest expense to average assets | 2.3177% | 4,612 |
| Loan and lease loss provision to assets | 0.0537% | 2,863 |
| Net operating income to assets | 1.4981% | 856 |
| Return on assets (ROA) | 1.4981% | 899 |
| Pretax return on assets | 1.5787% | 1,353 |
| Return on Equity (ROE) | 18.9908% | 297 |
| Retained earnings to average equity (ytd only) | 7.3238% | 1,738 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6735% | 4,918 |
| Assets per employee ($millions) | 4.2084% | 3,578 |
| Cash dividends to net income (ytd only)* | 61.4350% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5685% | 5,792 |
| Loan loss allowance to noncurrent loans | 554.7619% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 5,308 |
| Noncurrent loans to loans | 0.1025% | 5,061 |
| Net loans and leases to total assets | 69.1634% | 2,474 |
| Net loans and leases to deposits | 75.3801% | 3,291 |
| Net loans and leases to core deposits | 75.7332% | 3,704 |
| Total domestic deposits to total assets | 91.7528% | 132 |
| Equity capital to assets | 8.0452% | 5,808 |
| Core capital (leverage) ratio | 8.1145% | 5,713 |
| Tier 1 risk-based capital ratio | 12.0021% | 4,917 |
| Total risk-based capital ratio | 12.5921% | 5,219 |
| Memoranda: | ||
| Average total assets | $59,542,500 | 5,295 |
| Average earning assets | $56,670,000 | 5,245 |
| Average equity | $4,697,000 | 5,681 |
| Average total loans | $41,285,500 | 4,968 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7614% | 4,161 |
| Cost of funding earning assets | 0.2671% | 4,619 |
| Net interest margin | 3.4943% | 3,545 |
| Noninterest income to average assets | 0.4360% | 3,779 |
| Noninterest expense to average assets | 2.6022% | 3,915 |
| Loan and lease loss provision to assets | 0.0946% | 2,426 |
| Net operating income to assets | 0.9936% | 2,400 |
| Return on assets (ROA) | 0.9936% | 2,492 |
| Pretax return on assets | 1.0544% | 3,249 |
| Return on Equity (ROE) | 12.7009% | 1,128 |
| Retained earnings to average equity (ytd only) | 1.7496% | 4,732 |
| Net charge-offs to loans | 0.0874% | 2,575 |
| Credit loss provision to net charge-offs | 155.5556% | 1,716 |
| Earnings coverage of net charge-offs (x) | 18.8889% | 1,983 |
| Efficiency ratio | 69.3694% | 3,327 |
| Assets per employee ($millions) | 4.0112% | 3,921 |
| Cash dividends to net income (ytd only)* | 86.2245% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5410% | 5,883 |
| Loan loss allowance to noncurrent loans | 26.7857% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 1.3961% | 1,497 |
| Noncurrent loans to loans | 2.0198% | 1,026 |
| Net loans and leases to total assets | 68.7475% | 2,579 |
| Net loans and leases to deposits | 74.8006% | 3,398 |
| Net loans and leases to core deposits | 75.1526% | 3,836 |
| Total domestic deposits to total assets | 91.9077% | 116 |
| Equity capital to assets | 7.7350% | 5,935 |
| Core capital (leverage) ratio | 7.9351% | 5,868 |
| Tier 1 risk-based capital ratio | 11.6353% | 5,173 |
| Total risk-based capital ratio | 12.1978% | 5,457 |
| Memoranda: | ||
| Average total assets | $59,180,200 | 5,337 |
| Average earning assets | $56,148,600 | 5,288 |
| Average equity | $4,629,600 | 5,736 |
| Average total loans | $41,193,600 | 4,960 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7666% | 4,192 |
| Cost of funding earning assets | 0.2791% | 4,569 |
| Net interest margin | 3.4875% | 3,590 |
| Noninterest income to average assets | 0.4344% | 3,837 |
| Noninterest expense to average assets | 2.4027% | 4,505 |
| Loan and lease loss provision to assets | 0.0950% | 2,267 |
| Net operating income to assets | 1.1832% | 1,705 |
| Return on assets (ROA) | 1.1832% | 1,777 |
| Pretax return on assets | 1.2443% | 2,632 |
| Return on Equity (ROE) | 15.0821% | 715 |
| Retained earnings to average equity (ytd only) | 3.8354% | 3,744 |
| Net charge-offs to loans | 0.1006% | 2,141 |
| Credit loss provision to net charge-offs | 135.4839% | 1,820 |
| Earnings coverage of net charge-offs (x) | 19.0977% | 1,965 |
| Efficiency ratio | 64.2080% | 4,208 |
| Assets per employee ($millions) | 3.7529% | 4,354 |
| Cash dividends to net income (ytd only)* | 74.5698% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5096% | 6,010 |
| Loan loss allowance to noncurrent loans | 27.0677% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 1.4176% | 1,615 |
| Noncurrent loans to loans | 1.8827% | 1,232 |
| Net loans and leases to total assets | 74.9116% | 1,563 |
| Net loans and leases to deposits | 82.0029% | 2,646 |
| Net loans and leases to core deposits | 82.4180% | 3,211 |
| Total domestic deposits to total assets | 91.3524% | 178 |
| Equity capital to assets | 8.3598% | 5,794 |
| Core capital (leverage) ratio | 8.1347% | 5,820 |
| Tier 1 risk-based capital ratio | 11.8016% | 5,199 |
| Total risk-based capital ratio | 12.3433% | 5,503 |
| Memoranda: | ||
| Average total assets | $58,933,250 | 5,409 |
| Average earning assets | $55,893,500 | 5,365 |
| Average equity | $4,623,500 | 5,817 |
| Average total loans | $41,094,750 | 5,019 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5994% | 4,719 |
| Cost of funding earning assets | 0.2815% | 4,596 |
| Net interest margin | 3.3179% | 4,223 |
| Noninterest income to average assets | 0.4380% | 3,791 |
| Noninterest expense to average assets | 2.3674% | 4,666 |
| Loan and lease loss provision to assets | 0.0903% | 2,313 |
| Net operating income to assets | 1.0767% | 2,027 |
| Return on assets (ROA) | 1.0767% | 2,131 |
| Pretax return on assets | 1.1335% | 3,038 |
| Return on Equity (ROE) | 14.0122% | 902 |
| Retained earnings to average equity (ytd only) | 2.1323% | 4,641 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9218% | 4,027 |
| Assets per employee ($millions) | 3.9609% | 3,954 |
| Cash dividends to net income (ytd only)* | 84.7826% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5621% | 6,029 |
| Loan loss allowance to noncurrent loans | 27.9855% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 1.3953% | 1,798 |
| Noncurrent loans to loans | 2.0084% | 1,212 |
| Net loans and leases to total assets | 69.0830% | 2,472 |
| Net loans and leases to deposits | 75.0970% | 3,376 |
| Net loans and leases to core deposits | 75.8029% | 3,789 |
| Total domestic deposits to total assets | 91.9918% | 124 |
| Equity capital to assets | 7.7793% | 6,050 |
| Core capital (leverage) ratio | 7.6681% | 6,049 |
| Tier 1 risk-based capital ratio | 11.6052% | 5,404 |
| Total risk-based capital ratio | 12.1877% | 5,656 |
| Memoranda: | ||
| Average total assets | $59,813,330 | 5,454 |
| Average earning assets | $56,842,330 | 5,398 |
| Average equity | $4,596,000 | 5,881 |
| Average total loans | $40,664,330 | 5,080 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5336% | 4,875 |
| Cost of funding earning assets | 0.2875% | 4,581 |
| Net interest margin | 3.2462% | 4,438 |
| Noninterest income to average assets | 0.4532% | 3,615 |
| Noninterest expense to average assets | 2.3662% | 4,699 |
| Loan and lease loss provision to assets | 0.0733% | 2,471 |
| Net operating income to assets | 1.0398% | 2,079 |
| Return on assets (ROA) | 1.0398% | 2,226 |
| Pretax return on assets | 1.0998% | 3,080 |
| Return on Equity (ROE) | 13.6155% | 956 |
| Retained earnings to average equity (ytd only) | 1.7456% | 4,774 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8550% | 4,007 |
| Assets per employee ($millions) | 4.0599% | 3,845 |
| Cash dividends to net income (ytd only)* | 87.1795% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5433% | 6,122 |
| Loan loss allowance to noncurrent loans | 39.8524% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 0.8900% | 2,855 |
| Noncurrent loans to loans | 1.3634% | 2,110 |
| Net loans and leases to total assets | 64.9250% | 2,955 |
| Net loans and leases to deposits | 70.3949% | 3,709 |
| Net loans and leases to core deposits | 71.0387% | 4,060 |
| Total domestic deposits to total assets | 92.2296% | 128 |
| Equity capital to assets | 7.5421% | 6,169 |
| Core capital (leverage) ratio | 7.6489% | 6,092 |
| Tier 1 risk-based capital ratio | 11.8309% | 5,347 |
| Total risk-based capital ratio | 12.3873% | 5,661 |
| Memoranda: | ||
| Average total assets | $60,013,000 | 5,502 |
| Average earning assets | $57,051,500 | 5,443 |
| Average equity | $4,583,000 | 5,934 |
| Average total loans | $40,358,000 | 5,125 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7489% | 4,647 |
| Cost of funding earning assets | 0.3497% | 4,257 |
| Net interest margin | 3.3992% | 4,205 |
| Noninterest income to average assets | 0.4792% | 3,654 |
| Noninterest expense to average assets | 2.6132% | 4,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0123% | 2,326 |
| Return on assets (ROA) | 1.0123% | 2,404 |
| Pretax return on assets | 1.0731% | 3,193 |
| Return on Equity (ROE) | 12.9137% | 1,165 |
| Retained earnings to average equity (ytd only) | 3.8320% | 3,486 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8902% | 3,390 |
| Assets per employee ($millions) | 3.9419% | 4,078 |
| Cash dividends to net income (ytd only)* | 70.3259% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5005% | 6,257 |
| Loan loss allowance to noncurrent loans | 128.9308% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 4,957 |
| Noncurrent loans to loans | 0.3882% | 4,478 |
| Net loans and leases to total assets | 68.9301% | 2,407 |
| Net loans and leases to deposits | 74.9706% | 3,317 |
| Net loans and leases to core deposits | 75.3267% | 3,787 |
| Total domestic deposits to total assets | 91.9429% | 157 |
| Equity capital to assets | 7.7341% | 6,165 |
| Core capital (leverage) ratio | 7.6482% | 6,152 |
| Tier 1 risk-based capital ratio | 11.5279% | 5,644 |
| Total risk-based capital ratio | 12.0447% | 5,929 |
| Memoranda: | ||
| Average total assets | $57,591,200 | 5,611 |
| Average earning assets | $54,336,400 | 5,563 |
| Average equity | $4,514,600 | 5,982 |
| Average total loans | $40,160,000 | 5,183 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7605% | 4,678 |
| Cost of funding earning assets | 0.3488% | 4,354 |
| Net interest margin | 3.4116% | 4,188 |
| Noninterest income to average assets | 0.5058% | 3,510 |
| Noninterest expense to average assets | 2.4938% | 4,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1653% | 1,806 |
| Return on assets (ROA) | 1.1653% | 1,874 |
| Pretax return on assets | 1.2259% | 2,670 |
| Return on Equity (ROE) | 14.8144% | 856 |
| Retained earnings to average equity (ytd only) | 6.1331% | 2,323 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0426% | 4,037 |
| Assets per employee ($millions) | 3.8577% | 4,172 |
| Cash dividends to net income (ytd only)* | 58.6005% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4949% | 6,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1676% | 5,524 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 71.2365% | 1,983 |
| Net loans and leases to deposits | 77.6261% | 2,991 |
| Net loans and leases to core deposits | 78.0036% | 3,534 |
| Total domestic deposits to total assets | 91.7688% | 186 |
| Equity capital to assets | 7.9616% | 6,153 |
| Core capital (leverage) ratio | 7.8692% | 6,150 |
| Tier 1 risk-based capital ratio | 11.5713% | 5,754 |
| Total risk-based capital ratio | 12.0862% | 6,020 |
| Memoranda: | ||
| Average total assets | $57,207,000 | 5,687 |
| Average earning assets | $53,892,500 | 5,636 |
| Average equity | $4,500,000 | 6,053 |
| Average total loans | $39,959,500 | 5,243 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7228% | 4,791 |
| Cost of funding earning assets | 0.3384% | 4,556 |
| Net interest margin | 3.3843% | 4,243 |
| Noninterest income to average assets | 0.5264% | 3,290 |
| Noninterest expense to average assets | 2.5128% | 4,545 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1441% | 1,774 |
| Return on assets (ROA) | 1.1441% | 1,863 |
| Pretax return on assets | 1.2073% | 2,641 |
| Return on Equity (ROE) | 14.6047% | 855 |
| Retained earnings to average equity (ytd only) | 4.9728% | 2,975 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5472% | 4,101 |
| Assets per employee ($millions) | 3.7157% | 4,427 |
| Cash dividends to net income (ytd only)* | 65.9509% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5136% | 6,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1632% | 5,662 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 66.7911% | 2,619 |
| Net loans and leases to deposits | 72.4519% | 3,515 |
| Net loans and leases to core deposits | 72.7919% | 3,970 |
| Total domestic deposits to total assets | 92.1868% | 148 |
| Equity capital to assets | 7.5878% | 6,331 |
| Core capital (leverage) ratio | 7.8099% | 6,204 |
| Tier 1 risk-based capital ratio | 11.5815% | 5,757 |
| Total risk-based capital ratio | 12.1078% | 6,054 |
| Memoranda: | ||
| Average total assets | $56,987,670 | 5,741 |
| Average earning assets | $53,777,000 | 5,694 |
| Average equity | $4,464,330 | 6,105 |
| Average total loans | $39,470,670 | 5,300 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7506% | 4,665 |
| Cost of funding earning assets | 0.3347% | 4,693 |
| Net interest margin | 3.4159% | 4,049 |
| Noninterest income to average assets | 0.5668% | 2,938 |
| Noninterest expense to average assets | 2.5755% | 4,359 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1479% | 1,640 |
| Return on assets (ROA) | 1.1479% | 1,706 |
| Pretax return on assets | 1.2124% | 2,435 |
| Return on Equity (ROE) | 14.4112% | 876 |
| Retained earnings to average equity (ytd only) | 7.3857% | 1,865 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9924% | 4,185 |
| Assets per employee ($millions) | 3.7777% | 4,370 |
| Cash dividends to net income (ytd only)* | 48.7500% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5197% | 6,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 5,722 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 69.2443% | 2,027 |
| Net loans and leases to deposits | 75.3896% | 2,887 |
| Net loans and leases to core deposits | 75.7622% | 3,428 |
| Total domestic deposits to total assets | 91.8487% | 288 |
| Equity capital to assets | 7.9095% | 6,112 |
| Core capital (leverage) ratio | 8.0423% | 6,089 |
| Tier 1 risk-based capital ratio | 11.7588% | 5,787 |
| Total risk-based capital ratio | 12.2967% | 6,086 |
| Memoranda: | ||
| Average total assets | $55,756,000 | 5,822 |
| Average earning assets | $52,578,000 | 5,771 |
| Average equity | $4,441,000 | 6,150 |
| Average total loans | $39,249,500 | 5,349 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8200% | 4,742 |
| Cost of funding earning assets | 0.3548% | 5,091 |
| Net interest margin | 3.4652% | 4,038 |
| Noninterest income to average assets | 0.4904% | 3,816 |
| Noninterest expense to average assets | 2.7105% | 4,054 |
| Loan and lease loss provision to assets | 0.0606% | 3,927 |
| Net operating income to assets | 0.9397% | 2,606 |
| Return on assets (ROA) | 0.9397% | 2,685 |
| Pretax return on assets | 0.9932% | 3,375 |
| Return on Equity (ROE) | 12.0761% | 1,394 |
| Retained earnings to average equity (ytd only) | 3.1393% | 4,005 |
| Net charge-offs to loans | 0.0886% | 3,961 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 17.3824% | 1,720 |
| Efficiency ratio | 72.0038% | 3,474 |
| Assets per employee ($millions) | 3.4279% | 5,025 |
| Cash dividends to net income (ytd only)* | 74.0038% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5249% | 6,554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 5,784 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 70.8365% | 1,871 |
| Net loans and leases to deposits | 77.2585% | 2,823 |
| Net loans and leases to core deposits | 77.6539% | 3,409 |
| Total domestic deposits to total assets | 91.6876% | 358 |
| Equity capital to assets | 8.0225% | 6,001 |
| Core capital (leverage) ratio | 7.8106% | 6,240 |
| Tier 1 risk-based capital ratio | 11.6795% | 5,813 |
| Total risk-based capital ratio | 12.2236% | 6,135 |
| Memoranda: | ||
| Average total assets | $56,079,000 | 5,868 |
| Average earning assets | $52,984,400 | 5,804 |
| Average equity | $4,364,000 | 6,247 |
| Average total loans | $38,368,800 | 5,415 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8004% | 4,859 |
| Cost of funding earning assets | 0.3553% | 5,248 |
| Net interest margin | 3.4451% | 4,103 |
| Noninterest income to average assets | 0.4753% | 3,971 |
| Noninterest expense to average assets | 2.6175% | 4,332 |
| Loan and lease loss provision to assets | 0.0709% | 3,647 |
| Net operating income to assets | 0.9884% | 2,425 |
| Return on assets (ROA) | 0.9884% | 2,525 |
| Pretax return on assets | 1.0428% | 3,324 |
| Return on Equity (ROE) | 12.7972% | 1,288 |
| Retained earnings to average equity (ytd only) | 5.0514% | 3,041 |
| Net charge-offs to loans | 0.1047% | 3,489 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 15.6995% | 1,844 |
| Efficiency ratio | 70.1521% | 3,738 |
| Assets per employee ($millions) | 3.4182% | 5,023 |
| Cash dividends to net income (ytd only)* | 60.5254% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5290% | 6,633 |
| Loan loss allowance to noncurrent loans | 315.3846% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2962% | 5,540 |
| Noncurrent loans to loans | 0.1677% | 5,815 |
| Net loans and leases to total assets | 70.4796% | 1,873 |
| Net loans and leases to deposits | 76.9258% | 2,829 |
| Net loans and leases to core deposits | 77.3193% | 3,454 |
| Total domestic deposits to total assets | 91.6202% | 335 |
| Equity capital to assets | 8.0964% | 6,078 |
| Core capital (leverage) ratio | 7.9866% | 6,232 |
| Tier 1 risk-based capital ratio | 11.6862% | 5,957 |
| Total risk-based capital ratio | 12.2272% | 6,258 |
| Memoranda: | ||
| Average total assets | $56,387,250 | 5,921 |
| Average earning assets | $53,291,000 | 5,852 |
| Average equity | $4,355,000 | 6,321 |
| Average total loans | $38,197,000 | 5,475 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7184% | 5,088 |
| Cost of funding earning assets | 0.3515% | 5,392 |
| Net interest margin | 3.3669% | 4,317 |
| Noninterest income to average assets | 0.4881% | 3,908 |
| Noninterest expense to average assets | 2.5986% | 4,393 |
| Loan and lease loss provision to assets | 0.0948% | 3,209 |
| Net operating income to assets | 0.9411% | 2,612 |
| Return on assets (ROA) | 0.9411% | 2,754 |
| Pretax return on assets | 0.9903% | 3,554 |
| Return on Equity (ROE) | 12.3768% | 1,382 |
| Retained earnings to average equity (ytd only) | 5.1724% | 2,943 |
| Net charge-offs to loans | 0.1578% | 2,839 |
| Credit loss provision to net charge-offs | 90.0000% | 2,437 |
| Earnings coverage of net charge-offs (x) | 10.3000% | 2,168 |
| Efficiency ratio | 70.5434% | 3,727 |
| Assets per employee ($millions) | 3.5616% | 4,726 |
| Cash dividends to net income (ytd only)* | 58.2090% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5265% | 6,684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 5,341 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 66.9738% | 2,417 |
| Net loans and leases to deposits | 72.7174% | 3,356 |
| Net loans and leases to core deposits | 73.7802% | 3,847 |
| Total domestic deposits to total assets | 92.1014% | 232 |
| Equity capital to assets | 7.6775% | 6,378 |
| Core capital (leverage) ratio | 7.6546% | 6,388 |
| Tier 1 risk-based capital ratio | 11.4394% | 6,144 |
| Total risk-based capital ratio | 11.9676% | 6,411 |
| Memoranda: | ||
| Average total assets | $56,952,670 | 5,946 |
| Average earning assets | $54,056,000 | 5,861 |
| Average equity | $4,330,670 | 6,380 |
| Average total loans | $38,012,330 | 5,507 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6808% | 5,229 |
| Cost of funding earning assets | 0.3393% | 5,642 |
| Net interest margin | 3.3414% | 4,347 |
| Noninterest income to average assets | 0.5129% | 3,691 |
| Noninterest expense to average assets | 2.6345% | 4,298 |
| Loan and lease loss provision to assets | 0.0984% | 3,041 |
| Net operating income to assets | 0.9133% | 2,592 |
| Return on assets (ROA) | 0.9133% | 2,738 |
| Pretax return on assets | 0.9625% | 3,515 |
| Return on Equity (ROE) | 12.0692% | 1,402 |
| Retained earnings to average equity (ytd only) | 8.4484% | 1,584 |
| Net charge-offs to loans | 0.2854% | 1,824 |
| Credit loss provision to net charge-offs | 51.8519% | 2,576 |
| Earnings coverage of net charge-offs (x) | 5.5926% | 2,349 |
| Efficiency ratio | 71.2928% | 3,752 |
| Assets per employee ($millions) | 3.5358% | 4,907 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5140% | 6,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 5,444 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 65.6862% | 2,427 |
| Net loans and leases to deposits | 71.3285% | 3,276 |
| Net loans and leases to core deposits | 72.3788% | 3,773 |
| Total domestic deposits to total assets | 92.0897% | 234 |
| Equity capital to assets | 7.6964% | 6,528 |
| Core capital (leverage) ratio | 7.6180% | 6,408 |
| Tier 1 risk-based capital ratio | 11.9203% | 5,964 |
| Total risk-based capital ratio | 12.4459% | 6,294 |
| Memoranda: | ||
| Average total assets | $56,936,500 | 5,998 |
| Average earning assets | $54,228,000 | 5,895 |
| Average equity | $4,308,500 | 6,445 |
| Average total loans | $37,835,000 | 5,550 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1593% | 4,737 |
| Cost of funding earning assets | 0.4617% | 5,486 |
| Net interest margin | 3.6976% | 3,656 |
| Noninterest income to average assets | 0.4413% | 4,310 |
| Noninterest expense to average assets | 2.7943% | 4,040 |
| Loan and lease loss provision to assets | 0.0826% | 4,664 |
| Net operating income to assets | 1.0197% | 2,255 |
| Return on assets (ROA) | 1.0197% | 2,468 |
| Pretax return on assets | 1.0835% | 3,218 |
| Return on Equity (ROE) | 12.6686% | 1,317 |
| Retained earnings to average equity (ytd only) | 1.2832% | 5,228 |
| Net charge-offs to loans | 0.1175% | 4,515 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 14.1136% | 1,762 |
| Efficiency ratio | 70.5548% | 3,696 |
| Assets per employee ($millions) | 3.5813% | 4,822 |
| Cash dividends to net income (ytd only)* | 89.8711% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5350% | 6,813 |
| Loan loss allowance to noncurrent loans | 138.5135% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 5,426 |
| Noncurrent loans to loans | 0.3862% | 5,526 |
| Net loans and leases to total assets | 66.5137% | 2,450 |
| Net loans and leases to deposits | 72.1373% | 3,390 |
| Net loans and leases to core deposits | 73.5417% | 3,841 |
| Total domestic deposits to total assets | 92.2043% | 211 |
| Equity capital to assets | 7.4397% | 6,654 |
| Core capital (leverage) ratio | 7.4445% | 6,525 |
| Tier 1 risk-based capital ratio | 10.8908% | 6,391 |
| Total risk-based capital ratio | 11.4146% | 6,622 |
| Memoranda: | ||
| Average total assets | $53,251,400 | 6,112 |
| Average earning assets | $50,682,200 | 6,023 |
| Average equity | $4,286,200 | 6,502 |
| Average total loans | $37,458,000 | 5,612 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2931% | 4,474 |
| Cost of funding earning assets | 0.4925% | 5,483 |
| Net interest margin | 3.8007% | 3,332 |
| Noninterest income to average assets | 0.4084% | 4,569 |
| Noninterest expense to average assets | 2.6748% | 4,477 |
| Loan and lease loss provision to assets | 0.0306% | 5,395 |
| Net operating income to assets | 1.2583% | 1,549 |
| Return on assets (ROA) | 1.2583% | 1,710 |
| Pretax return on assets | 1.3272% | 2,506 |
| Return on Equity (ROE) | 15.3150% | 848 |
| Retained earnings to average equity (ytd only) | 5.0324% | 3,342 |
| Net charge-offs to loans | 0.0394% | 5,102 |
| Credit loss provision to net charge-offs | 109.0909% | 2,690 |
| Earnings coverage of net charge-offs (x) | 48.3517% | 777 |
| Efficiency ratio | 66.3291% | 4,388 |
| Assets per employee ($millions) | 3.1929% | 5,648 |
| Cash dividends to net income (ytd only)* | 67.1393% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5448% | 6,926 |
| Loan loss allowance to noncurrent loans | 278.3784% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 5,881 |
| Noncurrent loans to loans | 0.1957% | 6,119 |
| Net loans and leases to total assets | 73.6131% | 1,302 |
| Net loans and leases to deposits | 80.7602% | 2,278 |
| Net loans and leases to core deposits | 82.9990% | 2,823 |
| Total domestic deposits to total assets | 91.1502% | 372 |
| Equity capital to assets | 8.5542% | 6,218 |
| Core capital (leverage) ratio | 8.4554% | 5,814 |
| Tier 1 risk-based capital ratio | 11.4725% | 6,241 |
| Total risk-based capital ratio | 12.0133% | 6,560 |
| Memoranda: | ||
| Average total assets | $52,239,000 | 6,214 |
| Average earning assets | $49,814,750 | 6,123 |
| Average equity | $4,292,000 | 6,570 |
| Average total loans | $37,243,000 | 5,691 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2277% | 4,857 |
| Cost of funding earning assets | 0.5220% | 5,473 |
| Net interest margin | 3.7057% | 3,788 |
| Noninterest income to average assets | 0.4181% | 4,520 |
| Noninterest expense to average assets | 2.6338% | 4,671 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2504% | 1,566 |
| Return on assets (ROA) | 1.2504% | 1,733 |
| Pretax return on assets | 1.3188% | 2,487 |
| Return on Equity (ROE) | 15.4243% | 863 |
| Retained earnings to average equity (ytd only) | 4.4538% | 3,640 |
| Net charge-offs to loans | 0.0648% | 4,528 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 28.9167% | 1,097 |
| Efficiency ratio | 66.6346% | 4,400 |
| Assets per employee ($millions) | 3.2794% | 5,493 |
| Cash dividends to net income (ytd only)* | 71.1246% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5126% | 7,013 |
| Loan loss allowance to noncurrent loans | 311.2903% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.4364% | 5,686 |
| Noncurrent loans to loans | 0.1647% | 6,255 |
| Net loans and leases to total assets | 71.3880% | 1,659 |
| Net loans and leases to deposits | 77.9758% | 2,674 |
| Net loans and leases to core deposits | 80.0693% | 3,212 |
| Total domestic deposits to total assets | 91.5515% | 303 |
| Equity capital to assets | 8.1988% | 6,452 |
| Core capital (leverage) ratio | 8.1519% | 6,092 |
| Tier 1 risk-based capital ratio | 11.1923% | 6,410 |
| Total risk-based capital ratio | 11.6945% | 6,700 |
| Memoranda: | ||
| Average total assets | $52,623,330 | 6,246 |
| Average earning assets | $50,193,000 | 6,151 |
| Average equity | $4,266,000 | 6,607 |
| Average total loans | $37,053,330 | 5,733 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2183% | 5,045 |
| Cost of funding earning assets | 0.5810% | 5,278 |
| Net interest margin | 3.6373% | 4,098 |
| Noninterest income to average assets | 0.4175% | 4,537 |
| Noninterest expense to average assets | 2.6414% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1993% | 1,736 |
| Return on assets (ROA) | 1.1993% | 1,918 |
| Pretax return on assets | 1.2448% | 2,749 |
| Return on Equity (ROE) | 14.8776% | 995 |
| Retained earnings to average equity (ytd only) | 7.5330% | 2,163 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9688% | 4,177 |
| Assets per employee ($millions) | 3.0832% | 5,996 |
| Cash dividends to net income (ytd only)* | 49.3671% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5570% | 7,023 |
| Loan loss allowance to noncurrent loans | 330.6452% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.4655% | 5,696 |
| Noncurrent loans to loans | 0.1684% | 6,341 |
| Net loans and leases to total assets | 69.8312% | 1,779 |
| Net loans and leases to deposits | 76.2669% | 2,755 |
| Net loans and leases to core deposits | 77.4842% | 3,393 |
| Total domestic deposits to total assets | 91.5616% | 361 |
| Equity capital to assets | 8.1809% | 6,378 |
| Core capital (leverage) ratio | 8.0924% | 6,170 |
| Tier 1 risk-based capital ratio | 11.3382% | 6,369 |
| Total risk-based capital ratio | 11.8803% | 6,685 |
| Memoranda: | ||
| Average total assets | $52,699,500 | 6,278 |
| Average earning assets | $50,257,500 | 6,185 |
| Average equity | $4,248,000 | 6,647 |
| Average total loans | $36,754,500 | 5,789 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8108% | 3,760 |
| Cost of funding earning assets | 0.8130% | 4,766 |
| Net interest margin | 3.9979% | 2,890 |
| Noninterest income to average assets | 0.5269% | 3,669 |
| Noninterest expense to average assets | 3.1075% | 3,170 |
| Loan and lease loss provision to assets | 0.0338% | 6,139 |
| Net operating income to assets | 1.1193% | 1,758 |
| Return on assets (ROA) | 1.1193% | 1,881 |
| Pretax return on assets | 1.1889% | 2,496 |
| Return on Equity (ROE) | 13.2595% | 1,107 |
| Retained earnings to average equity (ytd only) | 1.7899% | 4,937 |
| Net charge-offs to loans | 0.0446% | 5,863 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 36.1765% | 727 |
| Efficiency ratio | 71.7631% | 3,620 |
| Assets per employee ($millions) | 3.1167% | 5,868 |
| Cash dividends to net income (ytd only)* | 86.5009% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5586% | 7,053 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 6,048 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 68.8831% | 2,229 |
| Net loans and leases to deposits | 75.1060% | 3,327 |
| Net loans and leases to core deposits | 75.8915% | 3,995 |
| Total domestic deposits to total assets | 91.7145% | 278 |
| Equity capital to assets | 7.9420% | 6,611 |
| Core capital (leverage) ratio | 8.0519% | 6,203 |
| Tier 1 risk-based capital ratio | 11.8619% | 5,927 |
| Total risk-based capital ratio | 12.4397% | 6,332 |
| Memoranda: | ||
| Average total assets | $50,298,000 | 6,354 |
| Average earning assets | $47,850,200 | 6,262 |
| Average equity | $4,246,000 | 6,678 |
| Average total loans | $38,075,600 | 5,782 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9345% | 3,405 |
| Cost of funding earning assets | 0.8582% | 4,716 |
| Net interest margin | 4.0763% | 2,570 |
| Noninterest income to average assets | 0.5212% | 3,713 |
| Noninterest expense to average assets | 2.8559% | 4,121 |
| Loan and lease loss provision to assets | 0.0457% | 5,871 |
| Net operating income to assets | 1.4239% | 1,112 |
| Return on assets (ROA) | 1.4239% | 1,181 |
| Pretax return on assets | 1.4992% | 1,658 |
| Return on Equity (ROE) | 16.6056% | 604 |
| Retained earnings to average equity (ytd only) | 9.2741% | 1,052 |
| Net charge-offs to loans | 0.0590% | 5,379 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 33.8178% | 863 |
| Efficiency ratio | 64.8962% | 4,917 |
| Assets per employee ($millions) | 3.1537% | 5,775 |
| Cash dividends to net income (ytd only)* | 44.1506% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5384% | 7,139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 6,098 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 75.0530% | 1,134 |
| Net loans and leases to deposits | 82.5760% | 2,243 |
| Net loans and leases to core deposits | 82.5760% | 3,246 |
| Total domestic deposits to total assets | 90.8896% | 472 |
| Equity capital to assets | 8.7774% | 6,000 |
| Core capital (leverage) ratio | 8.5204% | 5,681 |
| Tier 1 risk-based capital ratio | 12.1897% | 5,749 |
| Total risk-based capital ratio | 12.7539% | 6,234 |
| Memoranda: | ||
| Average total assets | $49,626,500 | 6,428 |
| Average earning assets | $47,230,750 | 6,330 |
| Average equity | $4,255,500 | 6,724 |
| Average total loans | $38,419,000 | 5,817 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9574% | 3,368 |
| Cost of funding earning assets | 0.8723% | 4,883 |
| Net interest margin | 4.0850% | 2,468 |
| Noninterest income to average assets | 0.4782% | 4,041 |
| Noninterest expense to average assets | 2.8815% | 4,096 |
| Loan and lease loss provision to assets | 0.0203% | 6,038 |
| Net operating income to assets | 1.3942% | 1,094 |
| Return on assets (ROA) | 1.3942% | 1,163 |
| Pretax return on assets | 1.4671% | 1,622 |
| Return on Equity (ROE) | 16.3900% | 621 |
| Retained earnings to average equity (ytd only) | 7.0992% | 1,832 |
| Net charge-offs to loans | 0.0467% | 5,201 |
| Credit loss provision to net charge-offs | 55.5556% | 4,449 |
| Earnings coverage of net charge-offs (x) | 40.7778% | 733 |
| Efficiency ratio | 65.9555% | 4,884 |
| Assets per employee ($millions) | 3.2026% | 5,636 |
| Cash dividends to net income (ytd only)* | 56.6860% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5259% | 7,208 |
| Loan loss allowance to noncurrent loans | 147.7941% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.5601% | 5,806 |
| Noncurrent loans to loans | 0.3559% | 6,205 |
| Net loans and leases to total assets | 74.1891% | 1,376 |
| Net loans and leases to deposits | 81.2204% | 2,572 |
| Net loans and leases to core deposits | 81.2204% | 3,621 |
| Total domestic deposits to total assets | 91.3430% | 382 |
| Equity capital to assets | 8.3564% | 6,357 |
| Core capital (leverage) ratio | 8.5136% | 5,529 |
| Tier 1 risk-based capital ratio | 11.7116% | 5,998 |
| Total risk-based capital ratio | 12.2614% | 6,510 |
| Memoranda: | ||
| Average total assets | $49,349,000 | 6,505 |
| Average earning assets | $47,000,670 | 6,403 |
| Average equity | $4,197,670 | 6,786 |
| Average total loans | $38,533,330 | 5,867 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0463% | 2,878 |
| Cost of funding earning assets | 0.8686% | 5,149 |
| Net interest margin | 4.1777% | 1,970 |
| Noninterest income to average assets | 0.4380% | 4,381 |
| Noninterest expense to average assets | 2.9916% | 3,681 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3470% | 1,161 |
| Return on assets (ROA) | 1.3470% | 1,211 |
| Pretax return on assets | 1.4214% | 1,669 |
| Return on Equity (ROE) | 15.6900% | 713 |
| Retained earnings to average equity (ytd only) | 4.4279% | 3,522 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7903% | 4,699 |
| Assets per employee ($millions) | 2.8530% | 6,437 |
| Cash dividends to net income (ytd only)* | 71.7791% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5245% | 7,265 |
| Loan loss allowance to noncurrent loans | 138.5135% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.6309% | 5,690 |
| Noncurrent loans to loans | 0.3787% | 6,238 |
| Net loans and leases to total assets | 80.1633% | 498 |
| Net loans and leases to deposits | 88.0096% | 1,463 |
| Net loans and leases to core deposits | 88.0096% | 2,601 |
| Total domestic deposits to total assets | 91.0847% | 587 |
| Equity capital to assets | 8.6143% | 5,759 |
| Core capital (leverage) ratio | 8.4142% | 5,604 |
| Tier 1 risk-based capital ratio | 11.5188% | 6,090 |
| Total risk-based capital ratio | 12.0840% | 6,600 |
| Memoranda: | ||
| Average total assets | $48,402,500 | 6,577 |
| Average earning assets | $46,053,500 | 6,487 |
| Average equity | $4,155,500 | 6,829 |
| Average total loans | $38,691,500 | 5,907 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4218% | 2,573 |
| Cost of funding earning assets | 1.1649% | 4,768 |
| Net interest margin | 4.2569% | 1,969 |
| Noninterest income to average assets | 0.4935% | 4,216 |
| Noninterest expense to average assets | 3.2546% | 2,900 |
| Loan and lease loss provision to assets | 0.0890% | 6,254 |
| Net operating income to assets | 1.0963% | 1,711 |
| Return on assets (ROA) | 1.0963% | 1,796 |
| Pretax return on assets | 1.1712% | 2,329 |
| Return on Equity (ROE) | 12.9690% | 1,095 |
| Retained earnings to average equity (ytd only) | 0.8375% | 5,129 |
| Net charge-offs to loans | 0.1113% | 5,763 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 14.1591% | 1,363 |
| Efficiency ratio | 72.0878% | 3,776 |
| Assets per employee ($millions) | 3.0190% | 6,059 |
| Cash dividends to net income (ytd only)* | 93.5424% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5353% | 7,327 |
| Loan loss allowance to noncurrent loans | 81.6733% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 4,966 |
| Noncurrent loans to loans | 0.6554% | 5,744 |
| Net loans and leases to total assets | 78.8610% | 826 |
| Net loans and leases to deposits | 86.5927% | 1,991 |
| Net loans and leases to core deposits | 86.5927% | 3,241 |
| Total domestic deposits to total assets | 91.0711% | 570 |
| Equity capital to assets | 8.5562% | 5,787 |
| Core capital (leverage) ratio | 8.1305% | 5,943 |
| Tier 1 risk-based capital ratio | 11.4618% | 5,940 |
| Total risk-based capital ratio | 12.0303% | 6,473 |
| Memoranda: | ||
| Average total assets | $49,438,400 | 6,560 |
| Average earning assets | $46,700,200 | 6,489 |
| Average equity | $4,179,200 | 6,932 |
| Average total loans | $39,531,200 | 5,938 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4535% | 2,631 |
| Cost of funding earning assets | 1.2163% | 4,762 |
| Net interest margin | 4.2372% | 2,077 |
| Noninterest income to average assets | 0.4988% | 4,199 |
| Noninterest expense to average assets | 2.8531% | 4,271 |
| Loan and lease loss provision to assets | 0.0107% | 6,920 |
| Net operating income to assets | 1.5499% | 829 |
| Return on assets (ROA) | 1.5499% | 904 |
| Pretax return on assets | 1.6330% | 1,265 |
| Return on Equity (ROE) | 18.3893% | 448 |
| Retained earnings to average equity (ytd only) | 5.9813% | 2,365 |
| Net charge-offs to loans | 0.0134% | 6,482 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 153.3415% | 207 |
| Efficiency ratio | 63.4466% | 5,354 |
| Assets per employee ($millions) | 3.1743% | 5,736 |
| Cash dividends to net income (ytd only)* | 67.4742% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5133% | 7,439 |
| Loan loss allowance to noncurrent loans | 42.0082% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 1.4964% | 4,208 |
| Noncurrent loans to loans | 1.2219% | 4,806 |
| Net loans and leases to total assets | 78.2315% | 997 |
| Net loans and leases to deposits | 89.6503% | 1,766 |
| Net loans and leases to core deposits | 92.6112% | 2,710 |
| Total domestic deposits to total assets | 87.2630% | 2,395 |
| Equity capital to assets | 8.4388% | 6,345 |
| Core capital (leverage) ratio | 8.6928% | 5,200 |
| Tier 1 risk-based capital ratio | 11.4666% | 5,966 |
| Total risk-based capital ratio | 12.0151% | 6,560 |
| Memoranda: | ||
| Average total assets | $49,722,000 | 6,629 |
| Average earning assets | $46,916,250 | 6,562 |
| Average equity | $4,190,750 | 7,017 |
| Average total loans | $39,839,500 | 6,011 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4593% | 2,705 |
| Cost of funding earning assets | 1.2447% | 4,869 |
| Net interest margin | 4.2147% | 2,111 |
| Noninterest income to average assets | 0.4456% | 4,560 |
| Noninterest expense to average assets | 2.8116% | 4,435 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5274% | 858 |
| Return on assets (ROA) | 1.5274% | 919 |
| Pretax return on assets | 1.6124% | 1,272 |
| Return on Equity (ROE) | 18.1294% | 454 |
| Retained earnings to average equity (ytd only) | 6.8767% | 1,888 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5531% | 5,422 |
| Assets per employee ($millions) | 3.3275% | 5,367 |
| Cash dividends to net income (ytd only)* | 62.0690% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4991% | 7,508 |
| Loan loss allowance to noncurrent loans | 33.0113% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 1.7952% | 3,761 |
| Noncurrent loans to loans | 1.5120% | 4,439 |
| Net loans and leases to total assets | 81.8761% | 544 |
| Net loans and leases to deposits | 93.9276% | 1,284 |
| Net loans and leases to core deposits | 97.8639% | 2,246 |
| Total domestic deposits to total assets | 87.1694% | 2,446 |
| Equity capital to assets | 8.4970% | 6,170 |
| Core capital (leverage) ratio | 8.6419% | 5,171 |
| Tier 1 risk-based capital ratio | 11.1286% | 6,118 |
| Total risk-based capital ratio | 11.6665% | 6,735 |
| Memoranda: | ||
| Average total assets | $49,366,330 | 6,674 |
| Average earning assets | $46,599,330 | 6,608 |
| Average equity | $4,159,000 | 7,055 |
| Average total loans | $39,806,670 | 6,054 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4680% | 2,740 |
| Cost of funding earning assets | 1.2978% | 4,828 |
| Net interest margin | 4.1702% | 2,156 |
| Noninterest income to average assets | 0.3259% | 5,540 |
| Noninterest expense to average assets | 2.8843% | 4,122 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2955% | 1,312 |
| Return on assets (ROA) | 1.2955% | 1,382 |
| Pretax return on assets | 1.3688% | 1,853 |
| Return on Equity (ROE) | 15.4444% | 809 |
| Retained earnings to average equity (ytd only) | 4.0797% | 3,704 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8161% | 4,755 |
| Assets per employee ($millions) | 3.0114% | 6,192 |
| Cash dividends to net income (ytd only)* | 73.5849% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5193% | 7,573 |
| Loan loss allowance to noncurrent loans | 36.6726% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 1.5379% | 4,198 |
| Noncurrent loans to loans | 1.4159% | 4,613 |
| Net loans and leases to total assets | 81.5122% | 643 |
| Net loans and leases to deposits | 93.7485% | 1,378 |
| Net loans and leases to core deposits | 94.7664% | 2,735 |
| Total domestic deposits to total assets | 86.9477% | 2,656 |
| Equity capital to assets | 8.5902% | 5,882 |
| Core capital (leverage) ratio | 8.3248% | 5,697 |
| Tier 1 risk-based capital ratio | 11.3884% | 5,778 |
| Total risk-based capital ratio | 11.9525% | 6,429 |
| Memoranda: | ||
| Average total assets | $49,093,500 | 6,763 |
| Average earning assets | $46,232,500 | 6,694 |
| Average equity | $4,118,000 | 7,134 |
| Average total loans | $39,174,500 | 6,160 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6236% | 3,479 |
| Cost of funding earning assets | 1.7504% | 4,253 |
| Net interest margin | 3.8732% | 3,384 |
| Noninterest income to average assets | 0.6633% | 3,199 |
| Noninterest expense to average assets | 3.2090% | 3,347 |
| Loan and lease loss provision to assets | 0.1056% | 6,582 |
| Net operating income to assets | 0.9382% | 2,057 |
| Return on assets (ROA) | 0.9382% | 2,115 |
| Pretax return on assets | 0.9940% | 2,611 |
| Return on Equity (ROE) | 11.6619% | 1,247 |
| Retained earnings to average equity (ytd only) | 2.0055% | 3,697 |
| Net charge-offs to loans | 0.1322% | 5,874 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 10.4151% | 1,691 |
| Efficiency ratio | 74.4799% | 3,795 |
| Assets per employee ($millions) | 3.1253% | 5,927 |
| Cash dividends to net income (ytd only)* | 82.8025% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5274% | 7,649 |
| Loan loss allowance to noncurrent loans | 179.8246% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.6779% | 5,764 |
| Noncurrent loans to loans | 0.2933% | 6,693 |
| Net loans and leases to total assets | 77.3218% | 1,516 |
| Net loans and leases to deposits | 90.5607% | 2,133 |
| Net loans and leases to core deposits | 97.4272% | 4,293 |
| Total domestic deposits to total assets | 85.3812% | 3,371 |
| Equity capital to assets | 8.1933% | 6,352 |
| Core capital (leverage) ratio | 8.0448% | 6,092 |
| Tier 1 risk-based capital ratio | 11.2105% | 5,708 |
| Total risk-based capital ratio | 11.7715% | 6,352 |
| Memoranda: | ||
| Average total assets | $50,202,000 | 6,699 |
| Average earning assets | $47,247,200 | 6,630 |
| Average equity | $4,038,800 | 7,275 |
| Average total loans | $40,089,800 | 6,109 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6249% | 3,720 |
| Cost of funding earning assets | 1.8252% | 4,254 |
| Net interest margin | 3.7997% | 3,660 |
| Noninterest income to average assets | 0.6554% | 3,321 |
| Noninterest expense to average assets | 3.1096% | 3,613 |
| Loan and lease loss provision to assets | 0.1406% | 5,950 |
| Net operating income to assets | 0.9366% | 2,278 |
| Return on assets (ROA) | 0.9366% | 2,343 |
| Pretax return on assets | 0.9843% | 2,956 |
| Return on Equity (ROE) | 11.6953% | 1,442 |
| Retained earnings to average equity (ytd only) | 1.3585% | 4,559 |
| Net charge-offs to loans | 0.1089% | 5,585 |
| Credit loss provision to net charge-offs | 160.6061% | 2,950 |
| Earnings coverage of net charge-offs (x) | 12.8482% | 1,722 |
| Efficiency ratio | 73.4336% | 3,970 |
| Assets per employee ($millions) | 3.0994% | 5,910 |
| Cash dividends to net income (ytd only)* | 88.3863% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5475% | 7,646 |
| Loan loss allowance to noncurrent loans | 206.4220% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.7118% | 5,703 |
| Noncurrent loans to loans | 0.2652% | 6,844 |
| Net loans and leases to total assets | 82.4158% | 751 |
| Net loans and leases to deposits | 96.6331% | 1,498 |
| Net loans and leases to core deposits | 109.2547% | 3,318 |
| Total domestic deposits to total assets | 85.2874% | 3,080 |
| Equity capital to assets | 8.1811% | 6,662 |
| Core capital (leverage) ratio | 7.9552% | 6,441 |
| Tier 1 risk-based capital ratio | 10.7223% | 6,228 |
| Total risk-based capital ratio | 11.3170% | 6,861 |
| Memoranda: | ||
| Average total assets | $50,251,500 | 6,747 |
| Average earning assets | $47,336,250 | 6,674 |
| Average equity | $4,024,250 | 7,344 |
| Average total loans | $40,395,000 | 6,135 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5200% | 4,511 |
| Cost of funding earning assets | 1.8974% | 4,277 |
| Net interest margin | 3.6227% | 4,272 |
| Noninterest income to average assets | 0.6499% | 3,344 |
| Noninterest expense to average assets | 3.1265% | 3,594 |
| Loan and lease loss provision to assets | 0.1585% | 5,487 |
| Net operating income to assets | 0.7450% | 3,069 |
| Return on assets (ROA) | 0.7450% | 3,174 |
| Pretax return on assets | 0.7846% | 3,720 |
| Return on Equity (ROE) | 9.3688% | 2,228 |
| Retained earnings to average equity (ytd only) | -2.2924% | 5,809 |
| Net charge-offs to loans | 0.1992% | 4,291 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 5.9500% | 2,723 |
| Efficiency ratio | 76.8257% | 3,535 |
| Assets per employee ($millions) | 3.2397% | 5,480 |
| Cash dividends to net income (ytd only)* | 124.4681% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5179% | 7,769 |
| Loan loss allowance to noncurrent loans | 73.7410% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.0070% | 4,956 |
| Noncurrent loans to loans | 0.7023% | 5,842 |
| Net loans and leases to total assets | 75.9680% | 2,186 |
| Net loans and leases to deposits | 88.2618% | 3,130 |
| Net loans and leases to core deposits | 100.2495% | 4,485 |
| Total domestic deposits to total assets | 86.0712% | 2,747 |
| Equity capital to assets | 7.6589% | 7,125 |
| Core capital (leverage) ratio | 7.8341% | 6,572 |
| Tier 1 risk-based capital ratio | 10.4949% | 6,382 |
| Total risk-based capital ratio | 11.0368% | 7,095 |
| Memoranda: | ||
| Average total assets | $50,472,000 | 6,802 |
| Average earning assets | $47,644,670 | 6,725 |
| Average equity | $4,013,330 | 7,407 |
| Average total loans | $40,161,670 | 6,198 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6364% | 4,126 |
| Cost of funding earning assets | 2.0721% | 3,785 |
| Net interest margin | 3.5643% | 4,468 |
| Noninterest income to average assets | 0.6748% | 3,034 |
| Noninterest expense to average assets | 3.1412% | 3,226 |
| Loan and lease loss provision to assets | 0.2330% | 4,119 |
| Net operating income to assets | 0.6186% | 3,947 |
| Return on assets (ROA) | 0.6186% | 4,132 |
| Pretax return on assets | 0.6588% | 4,562 |
| Return on Equity (ROE) | 7.6332% | 3,313 |
| Retained earnings to average equity (ytd only) | 3.7670% | 3,802 |
| Net charge-offs to loans | 0.2274% | 3,280 |
| Credit loss provision to net charge-offs | 126.0870% | 3,154 |
| Earnings coverage of net charge-offs (x) | 4.8261% | 2,804 |
| Efficiency ratio | 77.8884% | 3,183 |
| Assets per employee ($millions) | 2.9968% | 6,159 |
| Cash dividends to net income (ytd only)* | 50.6494% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5296% | 7,780 |
| Loan loss allowance to noncurrent loans | 69.9670% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 1.1408% | 4,393 |
| Noncurrent loans to loans | 0.7570% | 5,530 |
| Net loans and leases to total assets | 83.0361% | 836 |
| Net loans and leases to deposits | 97.8857% | 1,681 |
| Net loans and leases to core deposits | 107.3788% | 3,756 |
| Total domestic deposits to total assets | 84.8297% | 3,288 |
| Equity capital to assets | 8.4548% | 6,144 |
| Core capital (leverage) ratio | 8.0805% | 6,327 |
| Tier 1 risk-based capital ratio | 10.8084% | 6,085 |
| Total risk-based capital ratio | 11.3736% | 6,700 |
| Memoranda: | ||
| Average total assets | $49,790,500 | 6,877 |
| Average earning assets | $46,909,500 | 6,801 |
| Average equity | $4,035,000 | 7,443 |
| Average total loans | $40,451,000 | 6,216 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3705% | 3,572 |
| Cost of funding earning assets | 2.6650% | 3,338 |
| Net interest margin | 3.7056% | 4,449 |
| Noninterest income to average assets | 0.6306% | 3,629 |
| Noninterest expense to average assets | 3.0179% | 4,023 |
| Loan and lease loss provision to assets | 0.2546% | 4,373 |
| Net operating income to assets | 0.8256% | 3,334 |
| Return on assets (ROA) | 0.8256% | 3,169 |
| Pretax return on assets | 0.8435% | 3,913 |
| Return on Equity (ROE) | 10.3162% | 2,152 |
| Retained earnings to average equity (ytd only) | 3.0327% | 3,281 |
| Net charge-offs to loans | 0.3086% | 3,333 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 4.3125% | 4,030 |
| Efficiency ratio | 73.3204% | 3,685 |
| Assets per employee ($millions) | 3.0372% | 5,965 |
| Cash dividends to net income (ytd only)* | 70.6024% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5015% | 7,849 |
| Loan loss allowance to noncurrent loans | 45.9641% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 1.1253% | 4,022 |
| Noncurrent loans to loans | 1.0911% | 4,375 |
| Net loans and leases to total assets | 78.7690% | 1,943 |
| Net loans and leases to deposits | 98.3745% | 2,074 |
| Net loans and leases to core deposits | 106.3351% | 4,156 |
| Total domestic deposits to total assets | 80.0705% | 4,992 |
| Equity capital to assets | 7.7781% | 7,123 |
| Core capital (leverage) ratio | 7.7548% | 6,858 |
| Tier 1 risk-based capital ratio | 10.2829% | 6,438 |
| Total risk-based capital ratio | 10.8078% | 7,153 |
| Memoranda: | ||
| Average total assets | $50,266,400 | 6,764 |
| Average earning assets | $47,280,400 | 6,703 |
| Average equity | $4,022,800 | 7,504 |
| Average total loans | $41,474,800 | 6,100 |