Home > Citizens Savings Bank and Trust Company > Performance and Condition Ratios
Citizens Savings Bank and Trust Company, 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 | 6.0826% | 570 |
| Cost of funding earning assets | 1.6056% | 1,675 |
| Net interest margin | 4.4770% | 637 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 3.9438% | 385 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6842% | 3,232 |
| Return on assets (ROA) | 0.6842% | 3,209 |
| Pretax return on assets | 0.7287% | 3,377 |
| Return on Equity (ROE) | 6.7100% | 3,359 |
| Retained earnings to average equity (ytd only) | 6.7074% | 1,986 |
| Net charge-offs to loans | 0.1457% | 703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 5.8341% | 2,509 |
| Efficiency ratio | 84.4047% | 641 |
| Assets per employee ($millions) | 6.2956% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4973% | 4,335 |
| Loan loss allowance to noncurrent loans | 48.0128% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.8850% | 567 |
| Noncurrent loans to loans | 1.0358% | 713 |
| Net loans and leases to total assets | 85.0100% | 208 |
| Net loans and leases to deposits | 97.3938% | 689 |
| Net loans and leases to core deposits | 110.8372% | 923 |
| Total domestic deposits to total assets | 87.2800% | 1,596 |
| Equity capital to assets | 10.8261% | 1,571 |
| Core capital (leverage) ratio | 11.5206% | 1,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3383% | 1,431 |
| Memoranda: | ||
| Average total assets | $164,131,600 | 3,239 |
| Average earning assets | $160,062,800 | 3,171 |
| Average equity | $16,742,600 | 3,116 |
| Average total loans | $140,742,400 | 2,762 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6866% | 804 |
| Cost of funding earning assets | 1.3584% | 1,984 |
| Net interest margin | 4.3282% | 774 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 4.0000% | 359 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4188% | 3,933 |
| Return on assets (ROA) | 0.4188% | 3,923 |
| Pretax return on assets | 0.5661% | 3,792 |
| Return on Equity (ROE) | 4.1800% | 3,952 |
| Retained earnings to average equity (ytd only) | 4.1755% | 3,211 |
| Net charge-offs to loans | 0.1562% | 542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 4.2222% | 2,409 |
| Efficiency ratio | 87.6020% | 455 |
| Assets per employee ($millions) | 5.9807% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5376% | 4,326 |
| Loan loss allowance to noncurrent loans | 134.4652% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 1,669 |
| Noncurrent loans to loans | 0.3998% | 1,829 |
| Net loans and leases to total assets | 84.4900% | 246 |
| Net loans and leases to deposits | 96.9289% | 691 |
| Net loans and leases to core deposits | 110.1315% | 868 |
| Total domestic deposits to total assets | 87.1700% | 1,835 |
| Equity capital to assets | 10.6060% | 1,510 |
| Core capital (leverage) ratio | 11.9489% | 1,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2340% | 1,807 |
| Memoranda: | ||
| Average total assets | $161,095,250 | 3,280 |
| Average earning assets | $157,137,000 | 3,200 |
| Average equity | $16,157,250 | 3,153 |
| Average total loans | $138,277,500 | 2,796 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4798% | 858 |
| Cost of funding earning assets | 1.1879% | 2,029 |
| Net interest margin | 4.2920% | 814 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 4.0413% | 331 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3606% | 4,071 |
| Return on assets (ROA) | 0.3606% | 4,091 |
| Pretax return on assets | 0.4892% | 3,985 |
| Return on Equity (ROE) | 3.6700% | 4,073 |
| Retained earnings to average equity (ytd only) | 3.6726% | 3,290 |
| Net charge-offs to loans | 0.2795% | 301 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 2.0317% | 2,330 |
| Efficiency ratio | 89.2013% | 378 |
| Assets per employee ($millions) | 5.5863% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5391% | 4,349 |
| Loan loss allowance to noncurrent loans | 28.2392% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.6165% | 211 |
| Noncurrent loans to loans | 1.9091% | 305 |
| Net loans and leases to total assets | 84.2100% | 258 |
| Net loans and leases to deposits | 96.9766% | 671 |
| Net loans and leases to core deposits | 110.5098% | 807 |
| Total domestic deposits to total assets | 86.8400% | 1,975 |
| Equity capital to assets | 10.8736% | 1,437 |
| Core capital (leverage) ratio | 11.8218% | 1,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6928% | 1,654 |
| Memoranda: | ||
| Average total assets | $156,980,333 | 3,326 |
| Average earning assets | $153,216,000 | 3,246 |
| Average equity | $15,411,333 | 3,237 |
| Average total loans | $135,259,000 | 2,819 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3792% | 752 |
| Cost of funding earning assets | 0.9682% | 2,159 |
| Net interest margin | 4.4110% | 668 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 3.9031% | 378 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5802% | 3,727 |
| Return on assets (ROA) | 0.5802% | 3,696 |
| Pretax return on assets | 0.7832% | 3,498 |
| Return on Equity (ROE) | 6.2800% | 3,656 |
| Retained earnings to average equity (ytd only) | 6.2832% | 2,685 |
| Net charge-offs to loans | -0.0424% | 4,319 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.2864% | 630 |
| Assets per employee ($millions) | 5.1175% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7245% | 4,211 |
| Loan loss allowance to noncurrent loans | 42.7373% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.4753% | 227 |
| Noncurrent loans to loans | 1.6952% | 368 |
| Net loans and leases to total assets | 86.4000% | 125 |
| Net loans and leases to deposits | 97.8215% | 548 |
| Net loans and leases to core deposits | 113.0280% | 613 |
| Total domestic deposits to total assets | 88.3200% | 1,805 |
| Equity capital to assets | 9.2246% | 2,342 |
| Core capital (leverage) ratio | 9.7987% | 2,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3195% | 2,622 |
| Memoranda: | ||
| Average total assets | $151,676,000 | 3,410 |
| Average earning assets | $147,902,000 | 3,335 |
| Average equity | $14,005,500 | 3,387 |
| Average total loans | $131,940,500 | 2,883 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0025% | 298 |
| Cost of funding earning assets | 0.2775% | 3,066 |
| Net interest margin | 4.7249% | 195 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 3.9222% | 351 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9721% | 2,666 |
| Return on assets (ROA) | 0.9721% | 2,609 |
| Pretax return on assets | 1.0827% | 2,826 |
| Return on Equity (ROE) | 10.1000% | 2,775 |
| Retained earnings to average equity (ytd only) | 10.0975% | 1,117 |
| Net charge-offs to loans | 0.2181% | 374 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 6.0806% | 2,348 |
| Efficiency ratio | 78.3675% | 831 |
| Assets per employee ($millions) | 5.3597% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7323% | 4,165 |
| Loan loss allowance to noncurrent loans | 47.8195% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.3300% | 268 |
| Noncurrent loans to loans | 1.5314% | 424 |
| Net loans and leases to total assets | 86.1700% | 144 |
| Net loans and leases to deposits | 97.7999% | 534 |
| Net loans and leases to core deposits | 113.3259% | 503 |
| Total domestic deposits to total assets | 88.1100% | 2,034 |
| Equity capital to assets | 9.3522% | 2,106 |
| Core capital (leverage) ratio | 10.2931% | 2,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5239% | 2,564 |
| Memoranda: | ||
| Average total assets | $139,282,600 | 3,540 |
| Average earning assets | $135,113,200 | 3,468 |
| Average equity | $13,409,200 | 3,534 |
| Average total loans | $113,690,400 | 2,992 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8933% | 242 |
| Cost of funding earning assets | 0.2115% | 3,132 |
| Net interest margin | 4.6819% | 169 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 3.9652% | 333 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7682% | 3,362 |
| Return on assets (ROA) | 0.7682% | 3,313 |
| Pretax return on assets | 1.0484% | 2,878 |
| Return on Equity (ROE) | 7.9200% | 3,357 |
| Retained earnings to average equity (ytd only) | 7.9177% | 2,033 |
| Net charge-offs to loans | 0.3018% | 218 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 4.3306% | 2,179 |
| Efficiency ratio | 79.0888% | 833 |
| Assets per employee ($millions) | 4.9990% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7837% | 4,125 |
| Loan loss allowance to noncurrent loans | 36.0953% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.8889% | 149 |
| Noncurrent loans to loans | 2.1713% | 266 |
| Net loans and leases to total assets | 86.2800% | 105 |
| Net loans and leases to deposits | 98.6345% | 422 |
| Net loans and leases to core deposits | 112.5082% | 402 |
| Total domestic deposits to total assets | 87.4800% | 2,602 |
| Equity capital to assets | 9.5319% | 1,862 |
| Core capital (leverage) ratio | 10.4474% | 2,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6599% | 2,594 |
| Memoranda: | ||
| Average total assets | $136,585,250 | 3,587 |
| Average earning assets | $132,394,250 | 3,518 |
| Average equity | $13,252,750 | 3,591 |
| Average total loans | $109,545,750 | 3,041 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 258 |
| Cost of funding earning assets | 0.2361% | 2,437 |
| Net interest margin | 4.4588% | 207 |
| Noninterest income to average assets | 0.3248% | 3,224 |
| Noninterest expense to average assets | 3.9186% | 299 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5227% | 3,838 |
| Return on assets (ROA) | 0.5227% | 3,790 |
| Pretax return on assets | 0.7279% | 3,506 |
| Return on Equity (ROE) | 5.3543% | 3,738 |
| Retained earnings to average equity (ytd only) | 5.3543% | 2,571 |
| Net charge-offs to loans | 0.3546% | 197 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 2.6364% | 2,023 |
| Efficiency ratio | 84.3343% | 665 |
| Assets per employee ($millions) | 5.4972% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 3,800 |
| Loan loss allowance to noncurrent loans | 35.4523% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 2.0840% | 130 |
| Noncurrent loans to loans | 2.6755% | 208 |
| Net loans and leases to total assets | 77.1251% | 627 |
| Net loans and leases to deposits | 87.9690% | 835 |
| Net loans and leases to core deposits | 100.7519% | 642 |
| Total domestic deposits to total assets | 87.6730% | 2,704 |
| Equity capital to assets | 9.5721% | 1,962 |
| Core capital (leverage) ratio | 10.0636% | 2,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9629% | 2,080 |
| Memoranda: | ||
| Average total assets | $135,456,333 | 3,643 |
| Average earning assets | $131,290,667 | 3,581 |
| Average equity | $13,223,000 | 3,664 |
| Average total loans | $105,485,333 | 3,121 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6207% | 244 |
| Cost of funding earning assets | 0.2364% | 2,304 |
| Net interest margin | 4.3843% | 206 |
| Noninterest income to average assets | 0.4165% | 2,582 |
| Noninterest expense to average assets | 3.7867% | 320 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6217% | 3,323 |
| Return on assets (ROA) | 0.6217% | 3,304 |
| Pretax return on assets | 0.8775% | 2,863 |
| Return on Equity (ROE) | 6.3061% | 3,246 |
| Retained earnings to average equity (ytd only) | 6.3061% | 2,139 |
| Net charge-offs to loans | 0.6455% | 105 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1.7456% | 1,728 |
| Efficiency ratio | 81.1862% | 1,055 |
| Assets per employee ($millions) | 4.9778% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 3,643 |
| Loan loss allowance to noncurrent loans | 47.4506% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.6205% | 217 |
| Noncurrent loans to loans | 2.1449% | 322 |
| Net loans and leases to total assets | 74.7502% | 594 |
| Net loans and leases to deposits | 85.4599% | 777 |
| Net loans and leases to core deposits | 99.0545% | 541 |
| Total domestic deposits to total assets | 87.4681% | 2,756 |
| Equity capital to assets | 9.7961% | 2,051 |
| Core capital (leverage) ratio | 10.1965% | 2,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3691% | 2,048 |
| Memoranda: | ||
| Average total assets | $134,469,500 | 3,674 |
| Average earning assets | $130,284,500 | 3,606 |
| Average equity | $13,257,000 | 3,731 |
| Average total loans | $104,724,000 | 3,128 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8918% | 308 |
| Cost of funding earning assets | 0.4021% | 1,529 |
| Net interest margin | 4.4897% | 279 |
| Noninterest income to average assets | 0.5054% | 2,541 |
| Noninterest expense to average assets | 3.9193% | 310 |
| Loan and lease loss provision to assets | 0.0040% | 2,994 |
| Net operating income to assets | 0.6990% | 3,631 |
| Return on assets (ROA) | 0.6990% | 3,683 |
| Pretax return on assets | 0.9240% | 3,442 |
| Return on Equity (ROE) | 7.8483% | 3,264 |
| Retained earnings to average equity (ytd only) | 7.8483% | 1,602 |
| Net charge-offs to loans | -0.0772% | 4,503 |
| Credit loss provision to net charge-offs | -6.7568% | 3,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8553% | 759 |
| Assets per employee ($millions) | 5.3815% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 3,302 |
| Loan loss allowance to noncurrent loans | 49.1214% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.8240% | 193 |
| Noncurrent loans to loans | 2.2668% | 317 |
| Net loans and leases to total assets | 79.3441% | 301 |
| Net loans and leases to deposits | 90.6495% | 542 |
| Net loans and leases to core deposits | 102.0418% | 454 |
| Total domestic deposits to total assets | 87.5284% | 2,268 |
| Equity capital to assets | 9.9214% | 2,734 |
| Core capital (leverage) ratio | 10.3894% | 1,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4096% | 2,489 |
| Memoranda: | ||
| Average total assets | $124,462,000 | 3,751 |
| Average earning assets | $120,364,600 | 3,685 |
| Average equity | $11,085,200 | 4,025 |
| Average total loans | $95,887,400 | 3,251 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7993% | 409 |
| Cost of funding earning assets | 0.4471% | 1,372 |
| Net interest margin | 4.3522% | 404 |
| Noninterest income to average assets | 0.2996% | 3,641 |
| Noninterest expense to average assets | 4.0772% | 270 |
| Loan and lease loss provision to assets | 0.0057% | 2,859 |
| Net operating income to assets | 0.2897% | 4,533 |
| Return on assets (ROA) | 0.2897% | 4,554 |
| Pretax return on assets | 0.4210% | 4,468 |
| Return on Equity (ROE) | 3.3588% | 4,411 |
| Retained earnings to average equity (ytd only) | 3.3588% | 3,783 |
| Net charge-offs to loans | -0.1149% | 4,660 |
| Credit loss provision to net charge-offs | -6.2500% | 3,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5317% | 304 |
| Assets per employee ($millions) | 5.7440% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 3,255 |
| Loan loss allowance to noncurrent loans | 55.1095% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.9127% | 207 |
| Noncurrent loans to loans | 2.0683% | 416 |
| Net loans and leases to total assets | 82.9112% | 144 |
| Net loans and leases to deposits | 95.3167% | 368 |
| Net loans and leases to core deposits | 111.6803% | 294 |
| Total domestic deposits to total assets | 86.9849% | 2,357 |
| Equity capital to assets | 10.1243% | 2,781 |
| Core capital (leverage) ratio | 10.1478% | 2,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8217% | 2,766 |
| Memoranda: | ||
| Average total assets | $121,943,000 | 3,824 |
| Average earning assets | $117,792,750 | 3,751 |
| Average equity | $10,519,500 | 4,136 |
| Average total loans | $92,871,750 | 3,337 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7952% | 467 |
| Cost of funding earning assets | 0.4687% | 1,392 |
| Net interest margin | 4.3265% | 467 |
| Noninterest income to average assets | 0.1909% | 4,248 |
| Noninterest expense to average assets | 4.0608% | 273 |
| Loan and lease loss provision to assets | 0.0083% | 2,751 |
| Net operating income to assets | 0.2407% | 4,591 |
| Return on assets (ROA) | 0.2407% | 4,606 |
| Pretax return on assets | 0.3055% | 4,581 |
| Return on Equity (ROE) | 2.9709% | 4,481 |
| Retained earnings to average equity (ytd only) | 2.9709% | 3,848 |
| Net charge-offs to loans | -0.1785% | 4,775 |
| Credit loss provision to net charge-offs | -6.3291% | 2,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8273% | 274 |
| Assets per employee ($millions) | 5.1058% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 2,390 |
| Loan loss allowance to noncurrent loans | 54.6649% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.9100% | 230 |
| Noncurrent loans to loans | 2.3933% | 357 |
| Net loans and leases to total assets | 71.3304% | 1,038 |
| Net loans and leases to deposits | 81.8381% | 1,243 |
| Net loans and leases to core deposits | 95.4672% | 831 |
| Total domestic deposits to total assets | 87.1604% | 2,235 |
| Equity capital to assets | 9.9307% | 2,912 |
| Core capital (leverage) ratio | 10.1929% | 2,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3515% | 1,848 |
| Memoranda: | ||
| Average total assets | $120,467,667 | 3,847 |
| Average earning assets | $116,490,333 | 3,781 |
| Average equity | $9,761,333 | 4,231 |
| Average total loans | $88,501,667 | 3,420 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9781% | 371 |
| Cost of funding earning assets | 0.5067% | 1,353 |
| Net interest margin | 4.4715% | 376 |
| Noninterest income to average assets | 0.1814% | 4,286 |
| Noninterest expense to average assets | 4.1684% | 250 |
| Loan and lease loss provision to assets | 0.0171% | 2,553 |
| Net operating income to assets | 0.2088% | 4,632 |
| Return on assets (ROA) | 0.2088% | 4,656 |
| Pretax return on assets | 0.3149% | 4,586 |
| Return on Equity (ROE) | 2.9383% | 4,484 |
| Retained earnings to average equity (ytd only) | 2.9383% | 3,802 |
| Net charge-offs to loans | -0.0046% | 3,366 |
| Credit loss provision to net charge-offs | -500.0000% | 3,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6236% | 310 |
| Assets per employee ($millions) | 4.5252% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 2,459 |
| Loan loss allowance to noncurrent loans | 532.5472% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 2,329 |
| Noncurrent loans to loans | 0.2432% | 3,231 |
| Net loans and leases to total assets | 70.4264% | 1,233 |
| Net loans and leases to deposits | 78.9422% | 1,622 |
| Net loans and leases to core deposits | 92.1501% | 1,106 |
| Total domestic deposits to total assets | 89.2126% | 1,225 |
| Equity capital to assets | 7.8679% | 4,563 |
| Core capital (leverage) ratio | 8.1804% | 4,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5976% | 2,790 |
| Memoranda: | ||
| Average total assets | $116,879,500 | 3,890 |
| Average earning assets | $112,893,500 | 3,828 |
| Average equity | $8,304,000 | 4,407 |
| Average total loans | $86,624,500 | 3,459 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0479% | 445 |
| Cost of funding earning assets | 0.7638% | 1,376 |
| Net interest margin | 4.2840% | 526 |
| Noninterest income to average assets | 0.2382% | 4,075 |
| Noninterest expense to average assets | 4.1837% | 317 |
| Loan and lease loss provision to assets | 0.0145% | 4,192 |
| Net operating income to assets | 0.1152% | 4,656 |
| Return on assets (ROA) | 0.1152% | 4,694 |
| Pretax return on assets | 0.1617% | 4,672 |
| Return on Equity (ROE) | 1.7663% | 4,587 |
| Retained earnings to average equity (ytd only) | 1.7663% | 3,917 |
| Net charge-offs to loans | 0.0636% | 1,868 |
| Credit loss provision to net charge-offs | 29.4118% | 3,219 |
| Earnings coverage of net charge-offs (x) | 3.5686% | 3,071 |
| Efficiency ratio | 95.9583% | 226 |
| Assets per employee ($millions) | 4.8513% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 2,386 |
| Loan loss allowance to noncurrent loans | 136.6180% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.9527% | 1,013 |
| Noncurrent loans to loans | 0.9550% | 1,482 |
| Net loans and leases to total assets | 76.1344% | 773 |
| Net loans and leases to deposits | 83.9692% | 1,458 |
| Net loans and leases to core deposits | 99.1214% | 948 |
| Total domestic deposits to total assets | 90.6694% | 312 |
| Equity capital to assets | 6.2691% | 4,971 |
| Core capital (leverage) ratio | 6.2616% | 4,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.4070% | 3,099 |
| Memoranda: | ||
| Average total assets | $103,282,000 | 3,953 |
| Average earning assets | $99,368,800 | 3,905 |
| Average equity | $6,737,200 | 4,555 |
| Average total loans | $80,197,600 | 3,552 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0407% | 568 |
| Cost of funding earning assets | 0.8207% | 1,395 |
| Net interest margin | 4.2200% | 702 |
| Noninterest income to average assets | 0.2464% | 4,002 |
| Noninterest expense to average assets | 4.1406% | 333 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1252% | 4,676 |
| Return on assets (ROA) | 0.1252% | 4,705 |
| Pretax return on assets | 0.1634% | 4,688 |
| Return on Equity (ROE) | 1.8982% | 4,563 |
| Retained earnings to average equity (ytd only) | 1.8982% | 3,965 |
| Net charge-offs to loans | 0.0982% | 1,328 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 2.1379% | 3,013 |
| Efficiency ratio | 96.2045% | 221 |
| Assets per employee ($millions) | 4.6231% | 3,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 2,057 |
| Loan loss allowance to noncurrent loans | 131.3842% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 1.0204% | 1,075 |
| Noncurrent loans to loans | 1.0095% | 1,478 |
| Net loans and leases to total assets | 77.0314% | 962 |
| Net loans and leases to deposits | 85.3770% | 1,767 |
| Net loans and leases to core deposits | 98.9371% | 1,250 |
| Total domestic deposits to total assets | 90.2250% | 354 |
| Equity capital to assets | 6.3264% | 4,997 |
| Core capital (leverage) ratio | 6.2120% | 5,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.4225% | 3,121 |
| Memoranda: | ||
| Average total assets | $101,207,750 | 3,973 |
| Average earning assets | $97,312,250 | 3,921 |
| Average equity | $6,672,750 | 4,583 |
| Average total loans | $78,728,750 | 3,599 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0632% | 735 |
| Cost of funding earning assets | 0.8808% | 1,459 |
| Net interest margin | 4.1824% | 963 |
| Noninterest income to average assets | 0.2191% | 4,180 |
| Noninterest expense to average assets | 4.1367% | 351 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0764% | 4,710 |
| Return on assets (ROA) | 0.0764% | 4,735 |
| Pretax return on assets | 0.1005% | 4,727 |
| Return on Equity (ROE) | 1.1421% | 4,665 |
| Retained earnings to average equity (ytd only) | 1.1421% | 4,060 |
| Net charge-offs to loans | 0.1268% | 1,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.0204% | 2,890 |
| Efficiency ratio | 97.6281% | 212 |
| Assets per employee ($millions) | 4.1638% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 1,597 |
| Loan loss allowance to noncurrent loans | 110.7784% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 1.2056% | 908 |
| Noncurrent loans to loans | 1.2602% | 1,235 |
| Net loans and leases to total assets | 75.3168% | 1,227 |
| Net loans and leases to deposits | 83.5199% | 2,044 |
| Net loans and leases to core deposits | 95.2763% | 1,637 |
| Total domestic deposits to total assets | 90.1782% | 352 |
| Equity capital to assets | 6.4249% | 5,019 |
| Core capital (leverage) ratio | 6.5022% | 5,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.5455% | 3,204 |
| Memoranda: | ||
| Average total assets | $99,499,667 | 4,001 |
| Average earning assets | $95,591,667 | 3,944 |
| Average equity | $6,654,667 | 4,609 |
| Average total loans | $77,301,667 | 3,625 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1731% | 694 |
| Cost of funding earning assets | 0.9386% | 1,699 |
| Net interest margin | 4.2345% | 856 |
| Noninterest income to average assets | 0.3580% | 3,379 |
| Noninterest expense to average assets | 4.2427% | 399 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1317% | 4,616 |
| Return on assets (ROA) | 0.1317% | 4,622 |
| Pretax return on assets | 0.1811% | 4,588 |
| Return on Equity (ROE) | 1.9283% | 4,460 |
| Retained earnings to average equity (ytd only) | 1.9283% | 3,471 |
| Net charge-offs to loans | 0.1365% | 913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1.6923% | 2,354 |
| Efficiency ratio | 95.9070% | 329 |
| Assets per employee ($millions) | 4.0451% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5185% | 1,280 |
| Loan loss allowance to noncurrent loans | 98.2654% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.6810% | 588 |
| Noncurrent loans to loans | 1.5453% | 1,022 |
| Net loans and leases to total assets | 75.6868% | 1,352 |
| Net loans and leases to deposits | 85.2375% | 2,086 |
| Net loans and leases to core deposits | 102.3456% | 1,298 |
| Total domestic deposits to total assets | 88.7952% | 759 |
| Equity capital to assets | 6.8951% | 5,075 |
| Core capital (leverage) ratio | 6.7021% | 5,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.0239% | 3,390 |
| Memoranda: | ||
| Average total assets | $97,202,000 | 4,028 |
| Average earning assets | $93,329,500 | 3,977 |
| Average equity | $6,638,000 | 4,643 |
| Average total loans | $76,197,000 | 3,639 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4007% | 665 |
| Cost of funding earning assets | 0.8934% | 2,219 |
| Net interest margin | 4.5073% | 708 |
| Noninterest income to average assets | 0.2268% | 4,308 |
| Noninterest expense to average assets | 4.3253% | 363 |
| Loan and lease loss provision to assets | 0.0438% | 3,136 |
| Net operating income to assets | 0.1711% | 4,870 |
| Return on assets (ROA) | 0.1711% | 4,890 |
| Pretax return on assets | 0.1890% | 4,891 |
| Return on Equity (ROE) | 2.6744% | 4,712 |
| Retained earnings to average equity (ytd only) | 2.6744% | 3,702 |
| Net charge-offs to loans | 0.4075% | 477 |
| Credit loss provision to net charge-offs | 13.3333% | 3,343 |
| Earnings coverage of net charge-offs (x) | 0.7091% | 3,594 |
| Efficiency ratio | 94.8931% | 229 |
| Assets per employee ($millions) | 4.4237% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 1,260 |
| Loan loss allowance to noncurrent loans | 64.9664% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 2.3304% | 297 |
| Noncurrent loans to loans | 2.2936% | 522 |
| Net loans and leases to total assets | 78.7322% | 975 |
| Net loans and leases to deposits | 88.4547% | 1,778 |
| Net loans and leases to core deposits | 106.7544% | 1,064 |
| Total domestic deposits to total assets | 89.0085% | 668 |
| Equity capital to assets | 6.7632% | 5,154 |
| Core capital (leverage) ratio | 6.6537% | 5,155 |
| Tier 1 risk-based capital ratio | 8.5361% | 5,167 |
| Total risk-based capital ratio | 9.7894% | 5,166 |
| Memoranda: | ||
| Average total assets | $100,525,400 | 3,994 |
| Average earning assets | $96,598,800 | 3,931 |
| Average equity | $6,431,400 | 4,705 |
| Average total loans | $80,988,400 | 3,582 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3996% | 694 |
| Cost of funding earning assets | 0.8817% | 2,312 |
| Net interest margin | 4.5179% | 739 |
| Noninterest income to average assets | 0.3408% | 3,688 |
| Noninterest expense to average assets | 4.4502% | 313 |
| Loan and lease loss provision to assets | 0.0579% | 2,742 |
| Net operating income to assets | 0.0842% | 5,030 |
| Return on assets (ROA) | 0.0842% | 5,044 |
| Pretax return on assets | 0.1750% | 4,994 |
| Return on Equity (ROE) | 1.3346% | 4,985 |
| Retained earnings to average equity (ytd only) | 1.3346% | 4,480 |
| Net charge-offs to loans | 0.2462% | 718 |
| Credit loss provision to net charge-offs | 29.1391% | 2,919 |
| Earnings coverage of net charge-offs (x) | 1.1722% | 3,322 |
| Efficiency ratio | 95.0267% | 218 |
| Assets per employee ($millions) | 4.7489% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6564% | 888 |
| Loan loss allowance to noncurrent loans | 58.7615% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 2.5620% | 258 |
| Noncurrent loans to loans | 2.8188% | 372 |
| Net loans and leases to total assets | 79.6575% | 892 |
| Net loans and leases to deposits | 89.2845% | 1,779 |
| Net loans and leases to core deposits | 101.7092% | 1,528 |
| Total domestic deposits to total assets | 89.2176% | 546 |
| Equity capital to assets | 6.4757% | 5,239 |
| Core capital (leverage) ratio | 6.5857% | 5,233 |
| Tier 1 risk-based capital ratio | 8.0610% | 5,244 |
| Total risk-based capital ratio | 9.3162% | 5,244 |
| Memoranda: | ||
| Average total assets | $101,326,500 | 4,021 |
| Average earning assets | $97,387,000 | 3,955 |
| Average equity | $6,393,750 | 4,772 |
| Average total loans | $81,790,000 | 3,604 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4532% | 615 |
| Cost of funding earning assets | 0.8847% | 2,222 |
| Net interest margin | 4.5685% | 659 |
| Noninterest income to average assets | 0.3004% | 3,923 |
| Noninterest expense to average assets | 4.2784% | 375 |
| Loan and lease loss provision to assets | 0.0668% | 2,476 |
| Net operating income to assets | 0.2395% | 4,950 |
| Return on assets (ROA) | 0.2395% | 4,963 |
| Pretax return on assets | 0.3456% | 4,893 |
| Return on Equity (ROE) | 3.8291% | 4,622 |
| Retained earnings to average equity (ytd only) | 3.8291% | 3,333 |
| Net charge-offs to loans | 0.3336% | 514 |
| Credit loss provision to net charge-offs | 24.8175% | 2,628 |
| Earnings coverage of net charge-offs (x) | 1.5328% | 3,009 |
| Efficiency ratio | 91.2097% | 308 |
| Assets per employee ($millions) | 3.8126% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 894 |
| Loan loss allowance to noncurrent loans | 64.5503% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 2.3838% | 320 |
| Noncurrent loans to loans | 2.5715% | 444 |
| Net loans and leases to total assets | 80.2052% | 851 |
| Net loans and leases to deposits | 89.9785% | 1,743 |
| Net loans and leases to core deposits | 101.8290% | 1,571 |
| Total domestic deposits to total assets | 89.1382% | 611 |
| Equity capital to assets | 6.5663% | 5,286 |
| Core capital (leverage) ratio | 6.4275% | 5,283 |
| Tier 1 risk-based capital ratio | 7.9477% | 5,290 |
| Total risk-based capital ratio | 9.2022% | 5,290 |
| Memoranda: | ||
| Average total assets | $101,859,670 | 4,036 |
| Average earning assets | $97,887,000 | 3,968 |
| Average equity | $6,372,330 | 4,801 |
| Average total loans | $82,127,330 | 3,618 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3171% | 732 |
| Cost of funding earning assets | 0.8748% | 2,126 |
| Net interest margin | 4.4423% | 826 |
| Noninterest income to average assets | 0.2634% | 4,124 |
| Noninterest expense to average assets | 4.1948% | 405 |
| Loan and lease loss provision to assets | 0.0775% | 2,132 |
| Net operating income to assets | 0.5268% | 4,444 |
| Return on assets (ROA) | 0.5268% | 4,464 |
| Pretax return on assets | 0.2595% | 4,990 |
| Return on Equity (ROE) | 8.5703% | 3,005 |
| Retained earnings to average equity (ytd only) | 8.5703% | 1,460 |
| Net charge-offs to loans | 0.4688% | 326 |
| Credit loss provision to net charge-offs | 20.6186% | 2,131 |
| Earnings coverage of net charge-offs (x) | 0.8969% | 2,638 |
| Efficiency ratio | 92.5641% | 313 |
| Assets per employee ($millions) | 4.3108% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6778% | 905 |
| Loan loss allowance to noncurrent loans | 128.3302% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.5185% | 783 |
| Noncurrent loans to loans | 1.3074% | 1,255 |
| Net loans and leases to total assets | 77.4887% | 1,242 |
| Net loans and leases to deposits | 86.3816% | 2,088 |
| Net loans and leases to core deposits | 97.5909% | 1,810 |
| Total domestic deposits to total assets | 89.7051% | 559 |
| Equity capital to assets | 6.2450% | 5,343 |
| Core capital (leverage) ratio | 6.3524% | 5,338 |
| Tier 1 risk-based capital ratio | 7.8159% | 5,347 |
| Total risk-based capital ratio | 9.0704% | 5,345 |
| Memoranda: | ||
| Average total assets | $103,269,500 | 4,051 |
| Average earning assets | $99,227,500 | 3,984 |
| Average equity | $6,347,500 | 4,835 |
| Average total loans | $82,767,500 | 3,636 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3364% | 544 |
| Cost of funding earning assets | 0.8579% | 1,271 |
| Net interest margin | 4.4785% | 798 |
| Noninterest income to average assets | 0.3144% | 4,017 |
| Noninterest expense to average assets | 4.5061% | 297 |
| Loan and lease loss provision to assets | 0.0635% | 2,891 |
| Net operating income to assets | 0.0192% | 5,224 |
| Return on assets (ROA) | 0.0192% | 5,219 |
| Pretax return on assets | 0.0308% | 5,213 |
| Return on Equity (ROE) | 0.3251% | 5,210 |
| Retained earnings to average equity (ytd only) | 0.3251% | 4,903 |
| Net charge-offs to loans | 0.3623% | 531 |
| Credit loss provision to net charge-offs | 21.4984% | 3,395 |
| Earnings coverage of net charge-offs (x) | 0.3192% | 3,703 |
| Efficiency ratio | 97.9519% | 174 |
| Assets per employee ($millions) | 3.6814% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7203% | 799 |
| Loan loss allowance to noncurrent loans | 42.3754% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 3.5943% | 141 |
| Noncurrent loans to loans | 4.0596% | 182 |
| Net loans and leases to total assets | 80.0863% | 931 |
| Net loans and leases to deposits | 89.1472% | 1,907 |
| Net loans and leases to core deposits | 100.9996% | 1,645 |
| Total domestic deposits to total assets | 89.8360% | 530 |
| Equity capital to assets | 6.0477% | 5,379 |
| Core capital (leverage) ratio | 6.2247% | 5,380 |
| Tier 1 risk-based capital ratio | 7.3334% | 5,394 |
| Total risk-based capital ratio | 8.5883% | 5,392 |
| Memoranda: | ||
| Average total assets | $104,013,600 | 4,035 |
| Average earning assets | $99,542,800 | 3,985 |
| Average equity | $6,151,200 | 4,872 |
| Average total loans | $84,732,800 | 3,574 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3664% | 460 |
| Cost of funding earning assets | 0.8538% | 1,102 |
| Net interest margin | 4.5126% | 721 |
| Noninterest income to average assets | 0.2647% | 4,385 |
| Noninterest expense to average assets | 4.5545% | 279 |
| Loan and lease loss provision to assets | 0.0844% | 2,276 |
| Net operating income to assets | -0.0857% | 5,327 |
| Return on assets (ROA) | -0.0857% | 5,325 |
| Pretax return on assets | -0.0614% | 5,313 |
| Return on Equity (ROE) | -1.4571% | 5,342 |
| Retained earnings to average equity (ytd only) | -1.4571% | 5,158 |
| Net charge-offs to loans | 0.0094% | 3,086 |
| Credit loss provision to net charge-offs | 1,100.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,201 |
| Efficiency ratio | 99.4971% | 165 |
| Assets per employee ($millions) | 4.0315% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0924% | 415 |
| Loan loss allowance to noncurrent loans | 53.8889% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 3.5480% | 159 |
| Noncurrent loans to loans | 3.8828% | 223 |
| Net loans and leases to total assets | 77.9439% | 1,349 |
| Net loans and leases to deposits | 86.5301% | 2,318 |
| Net loans and leases to core deposits | 130.8624% | 314 |
| Total domestic deposits to total assets | 90.0772% | 487 |
| Equity capital to assets | 5.8091% | 5,452 |
| Core capital (leverage) ratio | 6.0210% | 5,455 |
| Tier 1 risk-based capital ratio | 7.2715% | 5,466 |
| Total risk-based capital ratio | 8.5307% | 5,466 |
| Memoranda: | ||
| Average total assets | $104,247,000 | 4,069 |
| Average earning assets | $99,629,250 | 4,022 |
| Average equity | $6,130,500 | 4,930 |
| Average total loans | $84,916,500 | 3,599 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3847% | 401 |
| Cost of funding earning assets | 0.8576% | 888 |
| Net interest margin | 4.5271% | 659 |
| Noninterest income to average assets | 0.2326% | 4,623 |
| Noninterest expense to average assets | 4.6859% | 259 |
| Loan and lease loss provision to assets | 0.1269% | 1,562 |
| Net operating income to assets | -0.2749% | 5,406 |
| Return on assets (ROA) | -0.2749% | 5,400 |
| Pretax return on assets | -0.2479% | 5,400 |
| Return on Equity (ROE) | -4.6547% | 5,433 |
| Retained earnings to average equity (ytd only) | -4.6547% | 5,274 |
| Net charge-offs to loans | 0.0117% | 2,741 |
| Credit loss provision to net charge-offs | 1,320.0000% | 316 |
| Earnings coverage of net charge-offs (x) | -12.6000% | 3,186 |
| Efficiency ratio | 102.6526% | 143 |
| Assets per employee ($millions) | 4.0857% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1093% | 436 |
| Loan loss allowance to noncurrent loans | 55.1278% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 3.4511% | 184 |
| Noncurrent loans to loans | 3.8262% | 239 |
| Net loans and leases to total assets | 76.3226% | 1,584 |
| Net loans and leases to deposits | 84.5352% | 2,473 |
| Net loans and leases to core deposits | 131.8545% | 295 |
| Total domestic deposits to total assets | 90.2850% | 471 |
| Equity capital to assets | 5.6915% | 5,515 |
| Core capital (leverage) ratio | 5.8260% | 5,515 |
| Tier 1 risk-based capital ratio | 7.1771% | 5,532 |
| Total risk-based capital ratio | 8.4362% | 5,532 |
| Memoranda: | ||
| Average total assets | $104,056,330 | 4,112 |
| Average earning assets | $99,578,000 | 4,057 |
| Average equity | $6,144,330 | 4,982 |
| Average total loans | $85,406,670 | 3,617 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1765% | 513 |
| Cost of funding earning assets | 0.8350% | 816 |
| Net interest margin | 4.3414% | 875 |
| Noninterest income to average assets | 0.1554% | 5,083 |
| Noninterest expense to average assets | 4.5217% | 287 |
| Loan and lease loss provision to assets | 0.1165% | 1,627 |
| Net operating income to assets | -0.3535% | 5,477 |
| Return on assets (ROA) | -0.3535% | 5,473 |
| Pretax return on assets | -0.3224% | 5,470 |
| Return on Equity (ROE) | -5.8771% | 5,509 |
| Retained earnings to average equity (ytd only) | -5.8771% | 5,245 |
| Net charge-offs to loans | 0.0046% | 2,569 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | -53.0000% | 2,709 |
| Efficiency ratio | 104.7705% | 134 |
| Assets per employee ($millions) | 3.8953% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9885% | 556 |
| Loan loss allowance to noncurrent loans | 23.9994% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 7.5643% | 41 |
| Noncurrent loans to loans | 8.2858% | 46 |
| Net loans and leases to total assets | 83.4624% | 496 |
| Net loans and leases to deposits | 93.0485% | 1,323 |
| Net loans and leases to core deposits | 156.7267% | 95 |
| Total domestic deposits to total assets | 89.6977% | 785 |
| Equity capital to assets | 6.0329% | 5,570 |
| Core capital (leverage) ratio | 6.0987% | 5,569 |
| Tier 1 risk-based capital ratio | 6.8561% | 5,595 |
| Total risk-based capital ratio | 8.1134% | 5,594 |
| Memoranda: | ||
| Average total assets | $102,970,500 | 4,175 |
| Average earning assets | $98,677,000 | 4,120 |
| Average equity | $6,193,500 | 5,028 |
| Average total loans | $86,698,500 | 3,616 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7447% | 183 |
| Cost of funding earning assets | 0.7888% | 658 |
| Net interest margin | 4.9559% | 252 |
| Noninterest income to average assets | 0.2426% | 4,682 |
| Noninterest expense to average assets | 5.1659% | 201 |
| Loan and lease loss provision to assets | 0.1137% | 2,001 |
| Net operating income to assets | -0.4340% | 5,513 |
| Return on assets (ROA) | -0.4340% | 5,511 |
| Pretax return on assets | -0.3638% | 5,523 |
| Return on Equity (ROE) | -4.9116% | 5,535 |
| Retained earnings to average equity (ytd only) | -4.9116% | 5,430 |
| Net charge-offs to loans | 0.4685% | 506 |
| Credit loss provision to net charge-offs | 28.4360% | 3,548 |
| Earnings coverage of net charge-offs (x) | -0.6256% | 4,036 |
| Efficiency ratio | 105.0887% | 126 |
| Assets per employee ($millions) | 3.9691% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9184% | 625 |
| Loan loss allowance to noncurrent loans | 37.4168% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 4.7021% | 109 |
| Noncurrent loans to loans | 5.1272% | 132 |
| Net loans and leases to total assets | 80.4348% | 902 |
| Net loans and leases to deposits | 91.9485% | 1,534 |
| Net loans and leases to core deposits | 155.8199% | 104 |
| Total domestic deposits to total assets | 87.4782% | 1,775 |
| Equity capital to assets | 8.3273% | 5,244 |
| Core capital (leverage) ratio | 7.5971% | 5,540 |
| Tier 1 risk-based capital ratio | 8.6352% | 5,643 |
| Total risk-based capital ratio | 9.8948% | 5,641 |
| Memoranda: | ||
| Average total assets | $105,538,000 | 4,148 |
| Average earning assets | $99,517,400 | 4,107 |
| Average equity | $9,324,800 | 4,554 |
| Average total loans | $90,078,800 | 3,523 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5468% | 241 |
| Cost of funding earning assets | 0.7668% | 696 |
| Net interest margin | 4.7800% | 354 |
| Noninterest income to average assets | 0.2853% | 4,487 |
| Noninterest expense to average assets | 4.7165% | 264 |
| Loan and lease loss provision to assets | 0.0951% | 2,196 |
| Net operating income to assets | -0.0419% | 5,530 |
| Return on assets (ROA) | -0.0419% | 5,536 |
| Pretax return on assets | -0.0203% | 5,519 |
| Return on Equity (ROE) | -0.4668% | 5,539 |
| Retained earnings to average equity (ytd only) | -0.4668% | 5,287 |
| Net charge-offs to loans | 0.4325% | 484 |
| Credit loss provision to net charge-offs | 25.5102% | 3,111 |
| Earnings coverage of net charge-offs (x) | 0.2007% | 3,687 |
| Efficiency ratio | 98.4383% | 196 |
| Assets per employee ($millions) | 4.1618% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9418% | 645 |
| Loan loss allowance to noncurrent loans | 47.2742% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 3.9674% | 171 |
| Noncurrent loans to loans | 4.1076% | 235 |
| Net loans and leases to total assets | 82.5547% | 597 |
| Net loans and leases to deposits | 94.7979% | 1,222 |
| Net loans and leases to core deposits | 168.4931% | 70 |
| Total domestic deposits to total assets | 87.0849% | 1,837 |
| Equity capital to assets | 8.7517% | 5,117 |
| Core capital (leverage) ratio | 8.0861% | 5,484 |
| Tier 1 risk-based capital ratio | 8.9287% | 5,701 |
| Total risk-based capital ratio | 10.1880% | 5,703 |
| Memoranda: | ||
| Average total assets | $105,131,250 | 4,196 |
| Average earning assets | $99,105,250 | 4,155 |
| Average equity | $9,425,000 | 4,586 |
| Average total loans | $90,627,500 | 3,549 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6002% | 211 |
| Cost of funding earning assets | 0.7339% | 747 |
| Net interest margin | 4.8663% | 276 |
| Noninterest income to average assets | 0.2747% | 4,583 |
| Noninterest expense to average assets | 4.6491% | 277 |
| Loan and lease loss provision to assets | 0.0576% | 2,820 |
| Net operating income to assets | 0.1210% | 5,472 |
| Return on assets (ROA) | 0.1210% | 5,477 |
| Pretax return on assets | 0.1537% | 5,464 |
| Return on Equity (ROE) | 1.3390% | 5,437 |
| Retained earnings to average equity (ytd only) | 1.3390% | 4,718 |
| Net charge-offs to loans | 0.1437% | 1,293 |
| Credit loss provision to net charge-offs | 46.1538% | 2,598 |
| Earnings coverage of net charge-offs (x) | 1.6923% | 3,257 |
| Efficiency ratio | 95.6522% | 268 |
| Assets per employee ($millions) | 3.6803% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1139% | 497 |
| Loan loss allowance to noncurrent loans | 41.3947% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 4.9537% | 106 |
| Noncurrent loans to loans | 5.1067% | 148 |
| Net loans and leases to total assets | 84.7350% | 371 |
| Net loans and leases to deposits | 97.3204% | 954 |
| Net loans and leases to core deposits | 174.5970% | 62 |
| Total domestic deposits to total assets | 87.0681% | 1,916 |
| Equity capital to assets | 8.9161% | 4,971 |
| Core capital (leverage) ratio | 8.2104% | 5,422 |
| Tier 1 risk-based capital ratio | 8.8423% | 5,750 |
| Total risk-based capital ratio | 10.1041% | 5,748 |
| Memoranda: | ||
| Average total assets | $104,106,000 | 4,242 |
| Average earning assets | $98,103,000 | 4,199 |
| Average equity | $9,410,000 | 4,608 |
| Average total loans | $90,470,330 | 3,568 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7583% | 167 |
| Cost of funding earning assets | 0.7059% | 820 |
| Net interest margin | 5.0524% | 206 |
| Noninterest income to average assets | 0.2397% | 4,822 |
| Noninterest expense to average assets | 4.5899% | 308 |
| Loan and lease loss provision to assets | 0.1160% | 1,654 |
| Net operating income to assets | 0.2281% | 5,351 |
| Return on assets (ROA) | 0.2281% | 5,362 |
| Pretax return on assets | 0.2939% | 5,318 |
| Return on Equity (ROE) | 2.2701% | 5,286 |
| Retained earnings to average equity (ytd only) | 2.2701% | 4,230 |
| Net charge-offs to loans | 0.2860% | 636 |
| Credit loss provision to net charge-offs | 46.8750% | 2,014 |
| Earnings coverage of net charge-offs (x) | 1.6563% | 2,703 |
| Efficiency ratio | 91.8020% | 460 |
| Assets per employee ($millions) | 3.4831% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 2,243 |
| Loan loss allowance to noncurrent loans | 22.3878% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 5.8866% | 84 |
| Noncurrent loans to loans | 6.0883% | 110 |
| Net loans and leases to total assets | 86.3607% | 196 |
| Net loans and leases to deposits | 100.5650% | 585 |
| Net loans and leases to core deposits | 177.9145% | 51 |
| Total domestic deposits to total assets | 85.8755% | 2,731 |
| Equity capital to assets | 10.0237% | 3,723 |
| Core capital (leverage) ratio | 10.3526% | 3,053 |
| Tier 1 risk-based capital ratio | 10.7589% | 5,438 |
| Total risk-based capital ratio | 12.0088% | 5,352 |
| Memoranda: | ||
| Average total assets | $103,444,000 | 4,294 |
| Average earning assets | $97,458,500 | 4,245 |
| Average equity | $10,396,000 | 4,481 |
| Average total loans | $89,511,000 | 3,608 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5550% | 231 |
| Cost of funding earning assets | 0.7314% | 697 |
| Net interest margin | 4.8236% | 333 |
| Noninterest income to average assets | 0.3137% | 4,497 |
| Noninterest expense to average assets | 4.5399% | 361 |
| Loan and lease loss provision to assets | 0.1127% | 2,184 |
| Net operating income to assets | 0.1183% | 5,542 |
| Return on assets (ROA) | 0.1183% | 5,569 |
| Pretax return on assets | 0.2076% | 5,491 |
| Return on Equity (ROE) | 1.2639% | 5,526 |
| Retained earnings to average equity (ytd only) | 1.2639% | 4,781 |
| Net charge-offs to loans | 0.0564% | 2,925 |
| Credit loss provision to net charge-offs | 244.8980% | 1,182 |
| Earnings coverage of net charge-offs (x) | 6.9592% | 3,094 |
| Efficiency ratio | 93.4106% | 408 |
| Assets per employee ($millions) | 3.1029% | 5,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4634% | 1,823 |
| Loan loss allowance to noncurrent loans | 29.4822% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 4.5959% | 149 |
| Noncurrent loans to loans | 4.9637% | 161 |
| Net loans and leases to total assets | 84.2357% | 365 |
| Net loans and leases to deposits | 98.0426% | 823 |
| Net loans and leases to core deposits | 181.0309% | 48 |
| Total domestic deposits to total assets | 85.9174% | 2,622 |
| Equity capital to assets | 10.0766% | 3,637 |
| Core capital (leverage) ratio | 9.8194% | 3,714 |
| Tier 1 risk-based capital ratio | 11.7963% | 4,866 |
| Total risk-based capital ratio | 13.0491% | 4,757 |
| Memoranda: | ||
| Average total assets | $106,477,600 | 4,231 |
| Average earning assets | $100,360,800 | 4,197 |
| Average equity | $9,969,400 | 4,587 |
| Average total loans | $86,888,400 | 3,640 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6334% | 210 |
| Cost of funding earning assets | 0.7232% | 731 |
| Net interest margin | 4.9101% | 297 |
| Noninterest income to average assets | 0.2493% | 4,974 |
| Noninterest expense to average assets | 4.4502% | 401 |
| Loan and lease loss provision to assets | 0.1488% | 1,577 |
| Net operating income to assets | 0.1687% | 5,519 |
| Return on assets (ROA) | 0.1687% | 5,576 |
| Pretax return on assets | 0.2815% | 5,478 |
| Return on Equity (ROE) | 1.8349% | 5,505 |
| Retained earnings to average equity (ytd only) | 1.8349% | 4,768 |
| Net charge-offs to loans | -0.0046% | 4,604 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1817% | 500 |
| Assets per employee ($millions) | 3.6619% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 1,419 |
| Loan loss allowance to noncurrent loans | 23.1424% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 5.5836% | 114 |
| Noncurrent loans to loans | 6.9883% | 84 |
| Net loans and leases to total assets | 73.8144% | 1,897 |
| Net loans and leases to deposits | 84.8179% | 2,390 |
| Net loans and leases to core deposits | 162.9642% | 81 |
| Total domestic deposits to total assets | 87.0269% | 1,884 |
| Equity capital to assets | 9.1964% | 4,977 |
| Core capital (leverage) ratio | 9.1759% | 4,625 |
| Tier 1 risk-based capital ratio | 11.8796% | 4,863 |
| Total risk-based capital ratio | 13.1339% | 4,761 |
| Memoranda: | ||
| Average total assets | $107,498,000 | 4,244 |
| Average earning assets | $101,393,500 | 4,205 |
| Average equity | $9,882,250 | 4,641 |
| Average total loans | $86,726,750 | 3,662 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7850% | 168 |
| Cost of funding earning assets | 0.7027% | 792 |
| Net interest margin | 5.0823% | 220 |
| Noninterest income to average assets | 0.2455% | 5,013 |
| Noninterest expense to average assets | 4.4700% | 396 |
| Loan and lease loss provision to assets | 0.1406% | 1,619 |
| Net operating income to assets | 0.3130% | 5,284 |
| Return on assets (ROA) | 0.3130% | 5,375 |
| Pretax return on assets | 0.4742% | 5,190 |
| Return on Equity (ROE) | 3.4052% | 5,122 |
| Retained earnings to average equity (ytd only) | 3.4052% | 3,721 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9101% | 729 |
| Assets per employee ($millions) | 3.4418% | 4,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 2,173 |
| Loan loss allowance to noncurrent loans | 31.7441% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 4.0149% | 225 |
| Noncurrent loans to loans | 4.4984% | 229 |
| Net loans and leases to total assets | 80.5364% | 822 |
| Net loans and leases to deposits | 92.5290% | 1,446 |
| Net loans and leases to core deposits | 178.2776% | 57 |
| Total domestic deposits to total assets | 87.0391% | 1,898 |
| Equity capital to assets | 9.1730% | 5,096 |
| Core capital (leverage) ratio | 9.2085% | 4,580 |
| Tier 1 risk-based capital ratio | 11.0501% | 5,402 |
| Total risk-based capital ratio | 12.3017% | 5,315 |
| Memoranda: | ||
| Average total assets | $106,711,330 | 4,296 |
| Average earning assets | $101,607,330 | 4,237 |
| Average equity | $9,808,670 | 4,682 |
| Average total loans | $88,161,000 | 3,645 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4263% | 285 |
| Cost of funding earning assets | 0.6758% | 912 |
| Net interest margin | 4.7505% | 395 |
| Noninterest income to average assets | 0.2364% | 5,050 |
| Noninterest expense to average assets | 4.3993% | 421 |
| Loan and lease loss provision to assets | 0.1144% | 1,830 |
| Net operating income to assets | 0.1906% | 5,545 |
| Return on assets (ROA) | 0.1906% | 5,600 |
| Pretax return on assets | 0.2516% | 5,580 |
| Return on Equity (ROE) | 2.0958% | 5,481 |
| Retained earnings to average equity (ytd only) | 2.0958% | 4,416 |
| Net charge-offs to loans | 0.0779% | 1,710 |
| Credit loss provision to net charge-offs | 176.4706% | 1,166 |
| Earnings coverage of net charge-offs (x) | 5.6471% | 2,314 |
| Efficiency ratio | 92.3200% | 528 |
| Assets per employee ($millions) | 3.4126% | 4,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 2,510 |
| Loan loss allowance to noncurrent loans | 52.1758% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 2.5692% | 567 |
| Noncurrent loans to loans | 2.6466% | 683 |
| Net loans and leases to total assets | 82.5645% | 500 |
| Net loans and leases to deposits | 94.1025% | 1,137 |
| Net loans and leases to core deposits | 177.3647% | 55 |
| Total domestic deposits to total assets | 87.7389% | 1,787 |
| Equity capital to assets | 9.1578% | 5,033 |
| Core capital (leverage) ratio | 9.3127% | 4,475 |
| Tier 1 risk-based capital ratio | 10.7950% | 5,605 |
| Total risk-based capital ratio | 12.0468% | 5,513 |
| Memoranda: | ||
| Average total assets | $104,925,000 | 4,369 |
| Average earning assets | $100,031,500 | 4,295 |
| Average equity | $9,543,000 | 4,755 |
| Average total loans | $87,248,000 | 3,672 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6738% | 207 |
| Cost of funding earning assets | 0.6278% | 1,192 |
| Net interest margin | 5.0459% | 231 |
| Noninterest income to average assets | 0.3473% | 4,426 |
| Noninterest expense to average assets | 4.6730% | 360 |
| Loan and lease loss provision to assets | 0.1154% | 2,075 |
| Net operating income to assets | 0.2435% | 5,498 |
| Return on assets (ROA) | 0.2366% | 5,572 |
| Pretax return on assets | 0.3347% | 5,449 |
| Return on Equity (ROE) | 2.8611% | 5,349 |
| Retained earnings to average equity (ytd only) | 2.8611% | 4,029 |
| Net charge-offs to loans | -0.0228% | 5,311 |
| Credit loss provision to net charge-offs | -631.5789% | 5,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0420% | 629 |
| Assets per employee ($millions) | 3.7164% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 2,381 |
| Loan loss allowance to noncurrent loans | 78.3679% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 1.8432% | 1,020 |
| Noncurrent loans to loans | 1.7969% | 1,222 |
| Net loans and leases to total assets | 81.4126% | 651 |
| Net loans and leases to deposits | 92.6376% | 1,330 |
| Net loans and leases to core deposits | 171.6468% | 59 |
| Total domestic deposits to total assets | 87.8830% | 1,692 |
| Equity capital to assets | 9.0313% | 5,093 |
| Core capital (leverage) ratio | 9.1647% | 4,670 |
| Tier 1 risk-based capital ratio | 10.9869% | 5,529 |
| Total risk-based capital ratio | 12.2381% | 5,428 |
| Memoranda: | ||
| Average total assets | $103,959,600 | 4,383 |
| Average earning assets | $98,594,000 | 4,323 |
| Average equity | $8,598,000 | 4,934 |
| Average total loans | $83,378,600 | 3,734 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6750% | 205 |
| Cost of funding earning assets | 0.6215% | 1,266 |
| Net interest margin | 5.0535% | 226 |
| Noninterest income to average assets | 0.3733% | 4,263 |
| Noninterest expense to average assets | 4.6413% | 375 |
| Loan and lease loss provision to assets | 0.1347% | 1,669 |
| Net operating income to assets | 0.2724% | 5,527 |
| Return on assets (ROA) | 0.2861% | 5,571 |
| Pretax return on assets | 0.4041% | 5,455 |
| Return on Equity (ROE) | 3.5405% | 5,205 |
| Retained earnings to average equity (ytd only) | 3.5405% | 3,949 |
| Net charge-offs to loans | -0.0580% | 5,591 |
| Credit loss provision to net charge-offs | -291.6667% | 5,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9329% | 706 |
| Assets per employee ($millions) | 3.3914% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 2,499 |
| Loan loss allowance to noncurrent loans | 49.8971% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 2.7251% | 595 |
| Noncurrent loans to loans | 2.8481% | 644 |
| Net loans and leases to total assets | 79.9699% | 825 |
| Net loans and leases to deposits | 90.9085% | 1,539 |
| Net loans and leases to core deposits | 174.6448% | 57 |
| Total domestic deposits to total assets | 87.9675% | 1,580 |
| Equity capital to assets | 8.8869% | 5,409 |
| Core capital (leverage) ratio | 9.1308% | 4,838 |
| Tier 1 risk-based capital ratio | 10.9202% | 5,690 |
| Total risk-based capital ratio | 12.1717% | 5,611 |
| Memoranda: | ||
| Average total assets | $103,934,500 | 4,428 |
| Average earning assets | $98,464,500 | 4,374 |
| Average equity | $8,398,000 | 5,041 |
| Average total loans | $82,741,250 | 3,786 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6793% | 203 |
| Cost of funding earning assets | 0.6111% | 1,339 |
| Net interest margin | 5.0682% | 223 |
| Noninterest income to average assets | 0.2956% | 4,845 |
| Noninterest expense to average assets | 4.5241% | 412 |
| Loan and lease loss provision to assets | 0.1449% | 1,486 |
| Net operating income to assets | 0.2823% | 5,490 |
| Return on assets (ROA) | 0.2994% | 5,542 |
| Pretax return on assets | 0.4424% | 5,369 |
| Return on Equity (ROE) | 3.8352% | 5,081 |
| Retained earnings to average equity (ytd only) | 3.8352% | 3,559 |
| Net charge-offs to loans | -0.0977% | 5,777 |
| Credit loss provision to net charge-offs | -187.5000% | 5,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9480% | 831 |
| Assets per employee ($millions) | 3.0616% | 5,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 2,727 |
| Loan loss allowance to noncurrent loans | 66.2940% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 2.1365% | 996 |
| Noncurrent loans to loans | 2.1213% | 1,135 |
| Net loans and leases to total assets | 79.8780% | 817 |
| Net loans and leases to deposits | 89.6012% | 1,648 |
| Net loans and leases to core deposits | 180.1634% | 54 |
| Total domestic deposits to total assets | 89.1484% | 1,071 |
| Equity capital to assets | 7.6872% | 6,081 |
| Core capital (leverage) ratio | 8.1654% | 5,819 |
| Tier 1 risk-based capital ratio | 9.8115% | 6,143 |
| Total risk-based capital ratio | 11.0637% | 6,092 |
| Memoranda: | ||
| Average total assets | $103,535,330 | 4,476 |
| Average earning assets | $97,864,330 | 4,426 |
| Average equity | $8,083,000 | 5,145 |
| Average total loans | $81,893,000 | 3,829 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7191% | 188 |
| Cost of funding earning assets | 0.6081% | 1,376 |
| Net interest margin | 5.1111% | 205 |
| Noninterest income to average assets | 0.2053% | 5,486 |
| Noninterest expense to average assets | 4.3891% | 461 |
| Loan and lease loss provision to assets | 0.1743% | 1,122 |
| Net operating income to assets | 0.3110% | 5,372 |
| Return on assets (ROA) | 0.3448% | 5,381 |
| Pretax return on assets | 0.5114% | 5,151 |
| Return on Equity (ROE) | 4.3823% | 4,809 |
| Retained earnings to average equity (ytd only) | 4.3823% | 3,390 |
| Net charge-offs to loans | -0.2132% | 6,070 |
| Credit loss provision to net charge-offs | -104.6512% | 4,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3554% | 1,072 |
| Assets per employee ($millions) | 3.4441% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 2,833 |
| Loan loss allowance to noncurrent loans | 43.3595% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 2.9829% | 635 |
| Noncurrent loans to loans | 3.2740% | 621 |
| Net loans and leases to total assets | 77.8973% | 946 |
| Net loans and leases to deposits | 86.0140% | 1,831 |
| Net loans and leases to core deposits | 177.0302% | 60 |
| Total domestic deposits to total assets | 90.5635% | 508 |
| Equity capital to assets | 7.9509% | 6,051 |
| Core capital (leverage) ratio | 8.1050% | 5,877 |
| Tier 1 risk-based capital ratio | 9.9804% | 6,172 |
| Total risk-based capital ratio | 11.2318% | 6,126 |
| Memoranda: | ||
| Average total assets | $103,255,500 | 4,518 |
| Average earning assets | $97,357,500 | 4,475 |
| Average equity | $8,123,500 | 5,186 |
| Average total loans | $80,672,000 | 3,869 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7552% | 211 |
| Cost of funding earning assets | 0.5759% | 1,996 |
| Net interest margin | 5.1793% | 215 |
| Noninterest income to average assets | 0.3860% | 4,291 |
| Noninterest expense to average assets | 4.6810% | 400 |
| Loan and lease loss provision to assets | 0.1658% | 1,581 |
| Net operating income to assets | 0.2365% | 5,688 |
| Return on assets (ROA) | 0.2422% | 5,733 |
| Pretax return on assets | 0.4563% | 5,373 |
| Return on Equity (ROE) | 3.2902% | 5,380 |
| Retained earnings to average equity (ytd only) | 3.2902% | 3,888 |
| Net charge-offs to loans | 0.0852% | 3,280 |
| Credit loss provision to net charge-offs | 261.9048% | 978 |
| Earnings coverage of net charge-offs (x) | 9.6825% | 2,712 |
| Efficiency ratio | 88.4185% | 956 |
| Assets per employee ($millions) | 3.5614% | 4,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 3,213 |
| Loan loss allowance to noncurrent loans | 38.3047% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 3.1032% | 635 |
| Noncurrent loans to loans | 3.5071% | 581 |
| Net loans and leases to total assets | 76.1544% | 1,242 |
| Net loans and leases to deposits | 84.0750% | 2,208 |
| Net loans and leases to core deposits | 173.7458% | 62 |
| Total domestic deposits to total assets | 90.5791% | 507 |
| Equity capital to assets | 7.5232% | 6,229 |
| Core capital (leverage) ratio | 7.9083% | 6,046 |
| Tier 1 risk-based capital ratio | 9.6654% | 6,327 |
| Total risk-based capital ratio | 10.9160% | 6,302 |
| Memoranda: | ||
| Average total assets | $99,487,800 | 4,610 |
| Average earning assets | $94,279,600 | 4,547 |
| Average equity | $7,324,800 | 5,343 |
| Average total loans | $73,967,800 | 4,057 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8060% | 194 |
| Cost of funding earning assets | 0.5773% | 2,042 |
| Net interest margin | 5.2287% | 194 |
| Noninterest income to average assets | 0.3207% | 4,866 |
| Noninterest expense to average assets | 4.4935% | 460 |
| Loan and lease loss provision to assets | 0.1827% | 1,342 |
| Net operating income to assets | 0.4058% | 5,229 |
| Return on assets (ROA) | 0.4140% | 5,271 |
| Pretax return on assets | 0.6075% | 5,004 |
| Return on Equity (ROE) | 5.6559% | 4,419 |
| Retained earnings to average equity (ytd only) | 5.6559% | 2,633 |
| Net charge-offs to loans | 0.1085% | 2,719 |
| Credit loss provision to net charge-offs | 228.8136% | 1,139 |
| Earnings coverage of net charge-offs (x) | 9.7464% | 2,629 |
| Efficiency ratio | 85.2413% | 1,259 |
| Assets per employee ($millions) | 3.1952% | 5,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 3,330 |
| Loan loss allowance to noncurrent loans | 28.6930% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 4.2524% | 442 |
| Noncurrent loans to loans | 4.7566% | 397 |
| Net loans and leases to total assets | 76.2463% | 1,186 |
| Net loans and leases to deposits | 84.3774% | 2,099 |
| Net loans and leases to core deposits | 181.5826% | 52 |
| Total domestic deposits to total assets | 90.3635% | 587 |
| Equity capital to assets | 7.7355% | 6,233 |
| Core capital (leverage) ratio | 8.3225% | 5,826 |
| Tier 1 risk-based capital ratio | 10.2617% | 6,282 |
| Total risk-based capital ratio | 11.5122% | 6,243 |
| Memoranda: | ||
| Average total assets | $98,539,500 | 4,678 |
| Average earning assets | $93,303,000 | 4,616 |
| Average equity | $7,213,500 | 5,415 |
| Average total loans | $72,528,750 | 4,140 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5024% | 305 |
| Cost of funding earning assets | 0.5758% | 2,109 |
| Net interest margin | 4.9266% | 328 |
| Noninterest income to average assets | 0.3558% | 4,574 |
| Noninterest expense to average assets | 4.3306% | 529 |
| Loan and lease loss provision to assets | 0.1830% | 1,336 |
| Net operating income to assets | 0.3095% | 5,535 |
| Return on assets (ROA) | 0.3212% | 5,569 |
| Pretax return on assets | 0.5225% | 5,217 |
| Return on Equity (ROE) | 4.4734% | 4,931 |
| Retained earnings to average equity (ytd only) | 4.4734% | 3,325 |
| Net charge-offs to loans | 0.1686% | 2,046 |
| Credit loss provision to net charge-offs | 150.0000% | 1,450 |
| Earnings coverage of net charge-offs (x) | 5.6333% | 2,895 |
| Efficiency ratio | 86.3047% | 1,242 |
| Assets per employee ($millions) | 3.3747% | 5,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 3,874 |
| Loan loss allowance to noncurrent loans | 30.5131% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 3.9636% | 541 |
| Noncurrent loans to loans | 4.2428% | 544 |
| Net loans and leases to total assets | 77.8278% | 930 |
| Net loans and leases to deposits | 85.8423% | 1,830 |
| Net loans and leases to core deposits | 162.7674% | 72 |
| Total domestic deposits to total assets | 90.6638% | 520 |
| Equity capital to assets | 7.5757% | 6,334 |
| Core capital (leverage) ratio | 8.1428% | 5,990 |
| Tier 1 risk-based capital ratio | 9.9975% | 6,400 |
| Total risk-based capital ratio | 11.2425% | 6,357 |
| Memoranda: | ||
| Average total assets | $98,369,330 | 4,717 |
| Average earning assets | $93,087,330 | 4,657 |
| Average equity | $7,064,000 | 5,475 |
| Average total loans | $71,182,670 | 4,197 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4131% | 338 |
| Cost of funding earning assets | 0.5615% | 2,327 |
| Net interest margin | 4.8517% | 351 |
| Noninterest income to average assets | 0.4015% | 4,171 |
| Noninterest expense to average assets | 4.2141% | 597 |
| Loan and lease loss provision to assets | 0.1825% | 1,312 |
| Net operating income to assets | 0.3650% | 5,253 |
| Return on assets (ROA) | 0.3650% | 5,319 |
| Pretax return on assets | 0.5962% | 4,844 |
| Return on Equity (ROE) | 5.2257% | 4,433 |
| Retained earnings to average equity (ytd only) | 5.2257% | 2,981 |
| Net charge-offs to loans | 0.0235% | 3,101 |
| Credit loss provision to net charge-offs | 1,125.0000% | 285 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 775 |
| Efficiency ratio | 84.4029% | 1,625 |
| Assets per employee ($millions) | 3.2267% | 5,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4162% | 3,520 |
| Loan loss allowance to noncurrent loans | 40.8741% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 3.0752% | 914 |
| Noncurrent loans to loans | 3.4648% | 857 |
| Net loans and leases to total assets | 70.2890% | 1,838 |
| Net loans and leases to deposits | 77.2539% | 2,657 |
| Net loans and leases to core deposits | 161.4235% | 69 |
| Total domestic deposits to total assets | 90.9844% | 574 |
| Equity capital to assets | 7.1141% | 6,417 |
| Core capital (leverage) ratio | 8.1761% | 5,969 |
| Tier 1 risk-based capital ratio | 10.5365% | 6,321 |
| Total risk-based capital ratio | 11.7870% | 6,287 |
| Memoranda: | ||
| Average total assets | $98,621,000 | 4,763 |
| Average earning assets | $93,328,500 | 4,699 |
| Average equity | $6,889,000 | 5,545 |
| Average total loans | $68,191,000 | 4,323 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3450% | 486 |
| Cost of funding earning assets | 0.5805% | 2,831 |
| Net interest margin | 4.7645% | 461 |
| Noninterest income to average assets | 0.3549% | 4,769 |
| Noninterest expense to average assets | 5.2031% | 298 |
| Loan and lease loss provision to assets | 0.1764% | 2,094 |
| Net operating income to assets | -0.5622% | 6,513 |
| Return on assets (ROA) | -0.3666% | 6,460 |
| Pretax return on assets | -0.3463% | 6,434 |
| Return on Equity (ROE) | -4.3966% | 6,468 |
| Retained earnings to average equity (ytd only) | -5.6785% | 6,403 |
| Net charge-offs to loans | 0.2653% | 2,373 |
| Credit loss provision to net charge-offs | 97.0588% | 2,569 |
| Earnings coverage of net charge-offs (x) | -2.0118% | 5,325 |
| Efficiency ratio | 107.5563% | 312 |
| Assets per employee ($millions) | 2.7004% | 6,219 |
| Cash dividends to net income (ytd only)* | -29.1545% | 6,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 3,249 |
| Loan loss allowance to noncurrent loans | 26.6136% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 4.4006% | 581 |
| Noncurrent loans to loans | 5.5960% | 397 |
| Net loans and leases to total assets | 65.9312% | 2,700 |
| Net loans and leases to deposits | 72.3118% | 3,487 |
| Net loans and leases to core deposits | 153.9561% | 82 |
| Total domestic deposits to total assets | 91.1763% | 508 |
| Equity capital to assets | 6.8529% | 6,497 |
| Core capital (leverage) ratio | 8.0975% | 6,058 |
| Tier 1 risk-based capital ratio | 11.0767% | 6,132 |
| Total risk-based capital ratio | 12.3271% | 6,075 |
| Memoranda: | ||
| Average total assets | $93,559,600 | 4,896 |
| Average earning assets | $88,026,000 | 4,832 |
| Average equity | $7,801,400 | 5,393 |
| Average total loans | $64,086,600 | 4,482 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3276% | 508 |
| Cost of funding earning assets | 0.5833% | 2,967 |
| Net interest margin | 4.7444% | 479 |
| Noninterest income to average assets | 0.3756% | 4,704 |
| Noninterest expense to average assets | 4.8513% | 378 |
| Loan and lease loss provision to assets | 0.1727% | 2,104 |
| Net operating income to assets | -0.1412% | 6,426 |
| Return on assets (ROA) | 0.0273% | 6,315 |
| Pretax return on assets | 0.0748% | 6,232 |
| Return on Equity (ROE) | 0.3132% | 6,303 |
| Retained earnings to average equity (ytd only) | 0.3132% | 5,840 |
| Net charge-offs to loans | 0.0501% | 4,191 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | -0.4584% | 4,945 |
| Efficiency ratio | 100.3274% | 455 |
| Assets per employee ($millions) | 2.9455% | 5,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6823% | 2,682 |
| Loan loss allowance to noncurrent loans | 36.4317% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 3.6677% | 900 |
| Noncurrent loans to loans | 4.6176% | 691 |
| Net loans and leases to total assets | 64.3358% | 2,943 |
| Net loans and leases to deposits | 71.2155% | 3,609 |
| Net loans and leases to core deposits | 148.9035% | 96 |
| Total domestic deposits to total assets | 90.3396% | 824 |
| Equity capital to assets | 7.7407% | 6,294 |
| Core capital (leverage) ratio | 8.8026% | 5,409 |
| Tier 1 risk-based capital ratio | 12.0184% | 5,768 |
| Total risk-based capital ratio | 13.2724% | 5,704 |
| Memoranda: | ||
| Average total assets | $92,645,750 | 4,959 |
| Average earning assets | $87,090,750 | 4,897 |
| Average equity | $8,086,250 | 5,370 |
| Average total loans | $63,842,250 | 4,532 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2714% | 553 |
| Cost of funding earning assets | 0.5875% | 3,054 |
| Net interest margin | 4.6839% | 522 |
| Noninterest income to average assets | 0.3951% | 4,563 |
| Noninterest expense to average assets | 4.9316% | 372 |
| Loan and lease loss provision to assets | 0.1646% | 2,269 |
| Net operating income to assets | -0.2196% | 6,502 |
| Return on assets (ROA) | 0.0417% | 6,328 |
| Pretax return on assets | 0.0988% | 6,231 |
| Return on Equity (ROE) | 0.4593% | 6,314 |
| Retained earnings to average equity (ytd only) | 0.4593% | 5,711 |
| Net charge-offs to loans | 0.0532% | 3,930 |
| Credit loss provision to net charge-offs | 441.1765% | 615 |
| Earnings coverage of net charge-offs (x) | -3.8824% | 4,811 |
| Efficiency ratio | 103.0261% | 396 |
| Assets per employee ($millions) | 3.1058% | 5,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 3,146 |
| Loan loss allowance to noncurrent loans | 43.8537% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 3.1629% | 1,259 |
| Noncurrent loans to loans | 3.6573% | 1,120 |
| Net loans and leases to total assets | 67.8859% | 2,265 |
| Net loans and leases to deposits | 75.8126% | 2,905 |
| Net loans and leases to core deposits | 155.6206% | 83 |
| Total domestic deposits to total assets | 89.5443% | 1,300 |
| Equity capital to assets | 8.3865% | 5,879 |
| Core capital (leverage) ratio | 8.9774% | 5,030 |
| Tier 1 risk-based capital ratio | 12.1735% | 5,698 |
| Total risk-based capital ratio | 13.4262% | 5,640 |
| Memoranda: | ||
| Average total assets | $91,127,330 | 5,033 |
| Average earning assets | $85,442,330 | 4,967 |
| Average equity | $8,273,670 | 5,368 |
| Average total loans | $63,921,330 | 4,541 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2422% | 564 |
| Cost of funding earning assets | 0.6047% | 3,071 |
| Net interest margin | 4.6375% | 534 |
| Noninterest income to average assets | 0.4040% | 4,424 |
| Noninterest expense to average assets | 4.8078% | 421 |
| Loan and lease loss provision to assets | 0.1332% | 2,574 |
| Net operating income to assets | -0.1689% | 6,495 |
| Return on assets (ROA) | 0.3596% | 5,448 |
| Pretax return on assets | 0.6126% | 4,901 |
| Return on Equity (ROE) | 3.8102% | 5,187 |
| Retained earnings to average equity (ytd only) | 3.8102% | 3,948 |
| Net charge-offs to loans | 0.1067% | 2,807 |
| Credit loss provision to net charge-offs | 176.4706% | 1,201 |
| Earnings coverage of net charge-offs (x) | -1.0588% | 3,970 |
| Efficiency ratio | 101.6901% | 490 |
| Assets per employee ($millions) | 3.1396% | 5,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5684% | 3,531 |
| Loan loss allowance to noncurrent loans | 39.5909% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 3.4652% | 1,229 |
| Noncurrent loans to loans | 3.9615% | 1,147 |
| Net loans and leases to total assets | 68.0333% | 1,999 |
| Net loans and leases to deposits | 76.8104% | 2,510 |
| Net loans and leases to core deposits | 146.2230% | 108 |
| Total domestic deposits to total assets | 88.5731% | 1,958 |
| Equity capital to assets | 9.2973% | 5,134 |
| Core capital (leverage) ratio | 9.3949% | 4,251 |
| Tier 1 risk-based capital ratio | 12.5446% | 5,557 |
| Total risk-based capital ratio | 13.7976% | 5,498 |
| Memoranda: | ||
| Average total assets | $90,104,000 | 5,094 |
| Average earning assets | $84,011,000 | 5,044 |
| Average equity | $8,503,500 | 5,360 |
| Average total loans | $63,740,500 | 4,576 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6215% | 489 |
| Cost of funding earning assets | 0.7124% | 3,389 |
| Net interest margin | 4.9090% | 441 |
| Noninterest income to average assets | 0.3839% | 4,724 |
| Noninterest expense to average assets | 4.6381% | 500 |
| Loan and lease loss provision to assets | 0.1980% | 3,156 |
| Net operating income to assets | 0.1363% | 5,924 |
| Return on assets (ROA) | 0.1386% | 6,072 |
| Pretax return on assets | 0.1980% | 5,993 |
| Return on Equity (ROE) | 1.4677% | 6,021 |
| Retained earnings to average equity (ytd only) | 0.3145% | 5,699 |
| Net charge-offs to loans | 0.2906% | 3,197 |
| Credit loss provision to net charge-offs | 95.2381% | 3,264 |
| Earnings coverage of net charge-offs (x) | 1.8889% | 4,479 |
| Efficiency ratio | 92.1933% | 901 |
| Assets per employee ($millions) | 2.9720% | 6,059 |
| Cash dividends to net income (ytd only)* | 78.5714% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 3,711 |
| Loan loss allowance to noncurrent loans | 62.3560% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 2.4933% | 1,962 |
| Noncurrent loans to loans | 2.4198% | 2,201 |
| Net loans and leases to total assets | 71.3066% | 1,603 |
| Net loans and leases to deposits | 81.3307% | 2,102 |
| Net loans and leases to core deposits | 151.5831% | 99 |
| Total domestic deposits to total assets | 87.6750% | 2,428 |
| Equity capital to assets | 9.5805% | 4,777 |
| Core capital (leverage) ratio | 9.1547% | 4,653 |
| Tier 1 risk-based capital ratio | 11.9947% | 5,794 |
| Total risk-based capital ratio | 13.2454% | 5,744 |
| Memoranda: | ||
| Average total assets | $90,898,400 | 5,062 |
| Average earning assets | $86,045,400 | 4,962 |
| Average equity | $8,584,600 | 5,341 |
| Average total loans | $65,036,400 | 4,542 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5647% | 591 |
| Cost of funding earning assets | 0.7224% | 3,576 |
| Net interest margin | 4.8423% | 531 |
| Noninterest income to average assets | 0.4175% | 4,498 |
| Noninterest expense to average assets | 4.6087% | 503 |
| Loan and lease loss provision to assets | 0.1752% | 3,383 |
| Net operating income to assets | 0.1299% | 6,072 |
| Return on assets (ROA) | 0.1299% | 6,218 |
| Pretax return on assets | 0.2525% | 6,039 |
| Return on Equity (ROE) | 1.3805% | 6,178 |
| Retained earnings to average equity (ytd only) | 1.3805% | 5,623 |
| Net charge-offs to loans | 0.0757% | 4,651 |
| Credit loss provision to net charge-offs | 324.3243% | 826 |
| Earnings coverage of net charge-offs (x) | 7.9193% | 2,529 |
| Efficiency ratio | 91.5072% | 919 |
| Assets per employee ($millions) | 3.0500% | 5,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 3,472 |
| Loan loss allowance to noncurrent loans | 44.0545% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 2.9202% | 1,797 |
| Noncurrent loans to loans | 3.6592% | 1,468 |
| Net loans and leases to total assets | 71.1727% | 1,698 |
| Net loans and leases to deposits | 80.9786% | 2,253 |
| Net loans and leases to core deposits | 157.1311% | 89 |
| Total domestic deposits to total assets | 87.8907% | 2,106 |
| Equity capital to assets | 9.4798% | 5,229 |
| Core capital (leverage) ratio | 9.1739% | 4,804 |
| Tier 1 risk-based capital ratio | 11.8040% | 6,052 |
| Total risk-based capital ratio | 13.0415% | 6,041 |
| Memoranda: | ||
| Average total assets | $91,333,000 | 5,092 |
| Average earning assets | $87,118,250 | 4,985 |
| Average equity | $8,595,250 | 5,383 |
| Average total loans | $65,157,750 | 4,591 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5478% | 648 |
| Cost of funding earning assets | 0.7388% | 3,698 |
| Net interest margin | 4.8090% | 552 |
| Noninterest income to average assets | 0.4382% | 4,376 |
| Noninterest expense to average assets | 4.4524% | 578 |
| Loan and lease loss provision to assets | 0.1972% | 3,112 |
| Net operating income to assets | 0.2257% | 5,842 |
| Return on assets (ROA) | 0.2257% | 6,029 |
| Pretax return on assets | 0.3813% | 5,751 |
| Return on Equity (ROE) | 2.4040% | 5,913 |
| Retained earnings to average equity (ytd only) | 2.4040% | 4,991 |
| Net charge-offs to loans | 0.0617% | 4,556 |
| Credit loss provision to net charge-offs | 450.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 13.2000% | 1,812 |
| Efficiency ratio | 88.5017% | 1,190 |
| Assets per employee ($millions) | 3.4300% | 5,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6258% | 3,508 |
| Loan loss allowance to noncurrent loans | 40.6322% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 2.8928% | 1,911 |
| Noncurrent loans to loans | 4.0012% | 1,377 |
| Net loans and leases to total assets | 68.8659% | 2,129 |
| Net loans and leases to deposits | 78.1885% | 2,641 |
| Net loans and leases to core deposits | 157.1108% | 92 |
| Total domestic deposits to total assets | 88.0768% | 2,090 |
| Equity capital to assets | 9.3533% | 5,256 |
| Core capital (leverage) ratio | 9.2781% | 4,484 |
| Tier 1 risk-based capital ratio | 12.2292% | 5,765 |
| Total risk-based capital ratio | 13.4781% | 5,757 |
| Memoranda: | ||
| Average total assets | $91,277,330 | 5,126 |
| Average earning assets | $87,169,330 | 5,019 |
| Average equity | $8,569,000 | 5,395 |
| Average total loans | $64,813,670 | 4,614 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6496% | 573 |
| Cost of funding earning assets | 0.7576% | 3,806 |
| Net interest margin | 4.8920% | 475 |
| Noninterest income to average assets | 0.4459% | 4,321 |
| Noninterest expense to average assets | 4.3262% | 639 |
| Loan and lease loss provision to assets | 0.1987% | 2,954 |
| Net operating income to assets | 0.3620% | 5,416 |
| Return on assets (ROA) | 0.3620% | 5,603 |
| Pretax return on assets | 0.5960% | 5,132 |
| Return on Equity (ROE) | 3.8486% | 5,357 |
| Retained earnings to average equity (ytd only) | 3.8486% | 4,279 |
| Net charge-offs to loans | 0.0988% | 3,546 |
| Credit loss provision to net charge-offs | 281.2500% | 1,041 |
| Earnings coverage of net charge-offs (x) | 11.2500% | 1,684 |
| Efficiency ratio | 84.4828% | 1,639 |
| Assets per employee ($millions) | 3.2408% | 5,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5456% | 3,963 |
| Loan loss allowance to noncurrent loans | 38.1887% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 2.9204% | 1,980 |
| Noncurrent loans to loans | 4.0473% | 1,502 |
| Net loans and leases to total assets | 71.0418% | 1,566 |
| Net loans and leases to deposits | 80.8935% | 2,074 |
| Net loans and leases to core deposits | 161.1358% | 86 |
| Total domestic deposits to total assets | 87.8214% | 2,440 |
| Equity capital to assets | 9.3861% | 4,982 |
| Core capital (leverage) ratio | 9.2067% | 4,506 |
| Tier 1 risk-based capital ratio | 12.0874% | 5,901 |
| Total risk-based capital ratio | 13.3395% | 5,878 |
| Memoranda: | ||
| Average total assets | $90,611,500 | 5,186 |
| Average earning assets | $86,590,000 | 5,064 |
| Average equity | $8,522,500 | 5,423 |
| Average total loans | $64,805,500 | 4,626 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7166% | 755 |
| Cost of funding earning assets | 0.9090% | 4,060 |
| Net interest margin | 4.8076% | 612 |
| Noninterest income to average assets | 0.4990% | 3,848 |
| Noninterest expense to average assets | 4.5620% | 550 |
| Loan and lease loss provision to assets | 0.2218% | 3,979 |
| Net operating income to assets | 0.2099% | 5,565 |
| Return on assets (ROA) | 0.2074% | 5,702 |
| Pretax return on assets | 0.2750% | 5,625 |
| Return on Equity (ROE) | 2.2750% | 5,553 |
| Retained earnings to average equity (ytd only) | 2.2750% | 4,594 |
| Net charge-offs to loans | 0.2216% | 4,400 |
| Credit loss provision to net charge-offs | 140.8451% | 2,087 |
| Earnings coverage of net charge-offs (x) | 3.1761% | 3,624 |
| Efficiency ratio | 90.1205% | 1,183 |
| Assets per employee ($millions) | 3.4801% | 5,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 3,861 |
| Loan loss allowance to noncurrent loans | 42.2862% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 2.5718% | 2,358 |
| Noncurrent loans to loans | 3.6283% | 1,752 |
| Net loans and leases to total assets | 69.7940% | 2,073 |
| Net loans and leases to deposits | 79.4572% | 2,621 |
| Net loans and leases to core deposits | 169.5056% | 91 |
| Total domestic deposits to total assets | 87.8385% | 2,256 |
| Equity capital to assets | 9.4251% | 4,994 |
| Core capital (leverage) ratio | 9.0254% | 4,733 |
| Tier 1 risk-based capital ratio | 12.1714% | 5,707 |
| Total risk-based capital ratio | 13.4241% | 5,684 |
| Memoranda: | ||
| Average total assets | $90,179,600 | 5,178 |
| Average earning assets | $85,592,800 | 5,067 |
| Average equity | $8,219,800 | 5,505 |
| Average total loans | $64,092,600 | 4,712 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7117% | 836 |
| Cost of funding earning assets | 0.9355% | 4,154 |
| Net interest margin | 4.7761% | 655 |
| Noninterest income to average assets | 0.4439% | 4,337 |
| Noninterest expense to average assets | 4.4954% | 580 |
| Loan and lease loss provision to assets | 0.2368% | 3,641 |
| Net operating income to assets | 0.1419% | 5,855 |
| Return on assets (ROA) | 0.1391% | 5,991 |
| Pretax return on assets | 0.2323% | 5,837 |
| Return on Equity (ROE) | 1.5392% | 5,925 |
| Retained earnings to average equity (ytd only) | 1.5392% | 5,367 |
| Net charge-offs to loans | 0.1373% | 4,684 |
| Credit loss provision to net charge-offs | 242.4242% | 1,182 |
| Earnings coverage of net charge-offs (x) | 4.8484% | 2,942 |
| Efficiency ratio | 90.4705% | 1,139 |
| Assets per employee ($millions) | 2.9485% | 6,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 3,786 |
| Loan loss allowance to noncurrent loans | 38.5110% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 2.8948% | 2,234 |
| Noncurrent loans to loans | 4.0854% | 1,624 |
| Net loans and leases to total assets | 69.7434% | 2,128 |
| Net loans and leases to deposits | 79.3915% | 2,745 |
| Net loans and leases to core deposits | 163.5219% | 102 |
| Total domestic deposits to total assets | 87.8475% | 2,132 |
| Equity capital to assets | 9.2260% | 5,474 |
| Core capital (leverage) ratio | 8.8452% | 5,187 |
| Tier 1 risk-based capital ratio | 11.8249% | 6,021 |
| Total risk-based capital ratio | 13.0628% | 6,019 |
| Memoranda: | ||
| Average total assets | $90,104,000 | 5,223 |
| Average earning assets | $85,367,000 | 5,111 |
| Average equity | $8,142,750 | 5,554 |
| Average total loans | $64,082,000 | 4,745 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6662% | 933 |
| Cost of funding earning assets | 0.9479% | 4,334 |
| Net interest margin | 4.7183% | 697 |
| Noninterest income to average assets | 0.3658% | 4,950 |
| Noninterest expense to average assets | 4.4296% | 648 |
| Loan and lease loss provision to assets | 0.2230% | 3,689 |
| Net operating income to assets | 0.1024% | 6,008 |
| Return on assets (ROA) | 0.0981% | 6,103 |
| Pretax return on assets | 0.1918% | 5,946 |
| Return on Equity (ROE) | 1.0937% | 6,061 |
| Retained earnings to average equity (ytd only) | 1.0937% | 5,424 |
| Net charge-offs to loans | 0.1316% | 4,424 |
| Credit loss provision to net charge-offs | 238.0952% | 1,269 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,846 |
| Efficiency ratio | 91.3103% | 1,149 |
| Assets per employee ($millions) | 3.1613% | 5,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 4,105 |
| Loan loss allowance to noncurrent loans | 33.7333% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 3.1818% | 2,112 |
| Noncurrent loans to loans | 4.4672% | 1,493 |
| Net loans and leases to total assets | 70.1513% | 2,191 |
| Net loans and leases to deposits | 79.4549% | 2,899 |
| Net loans and leases to core deposits | 146.7485% | 157 |
| Total domestic deposits to total assets | 88.2907% | 1,967 |
| Equity capital to assets | 8.9846% | 5,599 |
| Core capital (leverage) ratio | 9.0979% | 4,569 |
| Tier 1 risk-based capital ratio | 12.2188% | 5,590 |
| Total risk-based capital ratio | 13.4714% | 5,571 |
| Memoranda: | ||
| Average total assets | $89,670,330 | 5,267 |
| Average earning assets | $85,241,670 | 5,147 |
| Average equity | $8,046,000 | 5,599 |
| Average total loans | $63,853,330 | 4,801 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7280% | 838 |
| Cost of funding earning assets | 1.7236% | 501 |
| Net interest margin | 4.0044% | 2,666 |
| Noninterest income to average assets | 0.3654% | 4,986 |
| Noninterest expense to average assets | 4.2091% | 812 |
| Loan and lease loss provision to assets | 0.1805% | 3,810 |
| Net operating income to assets | -0.2526% | 6,613 |
| Return on assets (ROA) | -0.2662% | 6,641 |
| Pretax return on assets | -0.2436% | 6,574 |
| Return on Equity (ROE) | -2.9684% | 6,666 |
| Retained earnings to average equity (ytd only) | -2.9684% | 6,291 |
| Net charge-offs to loans | 0.0317% | 4,656 |
| Credit loss provision to net charge-offs | 800.0000% | 474 |
| Earnings coverage of net charge-offs (x) | -2.2000% | 4,968 |
| Efficiency ratio | 101.1931% | 700 |
| Assets per employee ($millions) | 3.4637% | 5,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5131% | 4,144 |
| Loan loss allowance to noncurrent loans | 31.4979% | 6,200 |
| Noncurrent assets plus other real estate owned to assets | 3.4013% | 2,006 |
| Noncurrent loans to loans | 4.8038% | 1,417 |
| Net loans and leases to total assets | 69.4587% | 2,232 |
| Net loans and leases to deposits | 78.5639% | 2,964 |
| Net loans and leases to core deposits | 142.6086% | 180 |
| Total domestic deposits to total assets | 88.4104% | 2,139 |
| Equity capital to assets | 8.8024% | 5,492 |
| Core capital (leverage) ratio | 9.1545% | 4,367 |
| Tier 1 risk-based capital ratio | 11.8387% | 5,827 |
| Total risk-based capital ratio | 13.1002% | 5,822 |
| Memoranda: | ||
| Average total assets | $88,666,000 | 5,330 |
| Average earning assets | $84,008,000 | 5,232 |
| Average equity | $7,950,500 | 5,624 |
| Average total loans | $63,131,000 | 4,867 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0712% | 744 |
| Cost of funding earning assets | 1.2822% | 4,003 |
| Net interest margin | 4.7890% | 676 |
| Noninterest income to average assets | 0.6157% | 3,374 |
| Noninterest expense to average assets | 3.9834% | 1,182 |
| Loan and lease loss provision to assets | 0.2892% | 4,487 |
| Net operating income to assets | 0.4832% | 4,184 |
| Return on assets (ROA) | 0.4832% | 4,336 |
| Pretax return on assets | 0.9109% | 3,242 |
| Return on Equity (ROE) | 5.0428% | 4,051 |
| Retained earnings to average equity (ytd only) | 4.5272% | 2,703 |
| Net charge-offs to loans | 0.1888% | 5,168 |
| Credit loss provision to net charge-offs | 206.8966% | 1,492 |
| Earnings coverage of net charge-offs (x) | 8.5862% | 1,954 |
| Efficiency ratio | 76.8480% | 2,893 |
| Assets per employee ($millions) | 3.4911% | 4,948 |
| Cash dividends to net income (ytd only)* | 10.2244% | 3,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 4,145 |
| Loan loss allowance to noncurrent loans | 46.2307% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 2.3294% | 2,937 |
| Noncurrent loans to loans | 3.1920% | 2,385 |
| Net loans and leases to total assets | 70.8365% | 2,347 |
| Net loans and leases to deposits | 81.8211% | 2,842 |
| Net loans and leases to core deposits | 162.3316% | 136 |
| Total domestic deposits to total assets | 86.5749% | 3,046 |
| Equity capital to assets | 9.1364% | 4,937 |
| Core capital (leverage) ratio | 9.5759% | 3,594 |
| Tier 1 risk-based capital ratio | 12.2154% | 5,285 |
| Total risk-based capital ratio | 13.4654% | 5,252 |
| Memoranda: | ||
| Average total assets | $82,994,600 | 5,497 |
| Average earning assets | $79,161,200 | 5,378 |
| Average equity | $7,952,000 | 5,729 |
| Average total loans | $61,432,400 | 5,007 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2040% | 611 |
| Cost of funding earning assets | 1.3124% | 4,141 |
| Net interest margin | 4.8916% | 563 |
| Noninterest income to average assets | 0.5566% | 3,737 |
| Noninterest expense to average assets | 4.1240% | 908 |
| Loan and lease loss provision to assets | 0.2929% | 4,234 |
| Net operating income to assets | 0.5094% | 4,276 |
| Return on assets (ROA) | 0.5094% | 4,462 |
| Pretax return on assets | 0.8105% | 3,866 |
| Return on Equity (ROE) | 5.2516% | 4,170 |
| Retained earnings to average equity (ytd only) | 5.2516% | 2,814 |
| Net charge-offs to loans | 0.2160% | 4,644 |
| Credit loss provision to net charge-offs | 181.8182% | 2,005 |
| Earnings coverage of net charge-offs (x) | 6.8483% | 2,437 |
| Efficiency ratio | 78.8917% | 2,502 |
| Assets per employee ($millions) | 3.4973% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 4,287 |
| Loan loss allowance to noncurrent loans | 65.0700% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.6525% | 3,963 |
| Noncurrent loans to loans | 2.2048% | 3,439 |
| Net loans and leases to total assets | 72.2750% | 2,196 |
| Net loans and leases to deposits | 84.3024% | 2,653 |
| Net loans and leases to core deposits | 162.9307% | 137 |
| Total domestic deposits to total assets | 85.7330% | 3,229 |
| Equity capital to assets | 9.7766% | 4,448 |
| Core capital (leverage) ratio | 9.6927% | 3,627 |
| Tier 1 risk-based capital ratio | 12.1456% | 5,319 |
| Total risk-based capital ratio | 13.3987% | 5,285 |
| Memoranda: | ||
| Average total assets | $81,924,000 | 5,602 |
| Average earning assets | $78,227,500 | 5,477 |
| Average equity | $7,946,500 | 5,806 |
| Average total loans | $61,103,000 | 5,097 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3199% | 495 |
| Cost of funding earning assets | 1.3727% | 4,041 |
| Net interest margin | 4.9472% | 477 |
| Noninterest income to average assets | 0.5661% | 3,577 |
| Noninterest expense to average assets | 4.1500% | 863 |
| Loan and lease loss provision to assets | 0.2954% | 4,028 |
| Net operating income to assets | 0.5366% | 4,167 |
| Return on assets (ROA) | 0.5366% | 4,313 |
| Pretax return on assets | 0.8492% | 3,707 |
| Return on Equity (ROE) | 5.5471% | 4,021 |
| Retained earnings to average equity (ytd only) | 5.5471% | 2,583 |
| Net charge-offs to loans | 0.2297% | 4,220 |
| Credit loss provision to net charge-offs | 171.4286% | 2,278 |
| Earnings coverage of net charge-offs (x) | 6.6429% | 2,429 |
| Efficiency ratio | 78.3821% | 2,660 |
| Assets per employee ($millions) | 3.1127% | 5,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 4,384 |
| Loan loss allowance to noncurrent loans | 176.0331% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.6116% | 5,961 |
| Noncurrent loans to loans | 0.8002% | 5,674 |
| Net loans and leases to total assets | 70.9589% | 2,669 |
| Net loans and leases to deposits | 82.0822% | 3,259 |
| Net loans and leases to core deposits | 157.6588% | 179 |
| Total domestic deposits to total assets | 86.4486% | 2,847 |
| Equity capital to assets | 9.5380% | 4,649 |
| Core capital (leverage) ratio | 9.5779% | 3,703 |
| Tier 1 risk-based capital ratio | 12.7375% | 4,657 |
| Total risk-based capital ratio | 13.9888% | 4,620 |
| Memoranda: | ||
| Average total assets | $81,253,670 | 5,663 |
| Average earning assets | $77,660,000 | 5,523 |
| Average equity | $7,860,000 | 5,855 |
| Average total loans | $60,955,000 | 5,137 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6046% | 306 |
| Cost of funding earning assets | 1.4235% | 4,025 |
| Net interest margin | 5.1811% | 303 |
| Noninterest income to average assets | 0.5560% | 3,601 |
| Noninterest expense to average assets | 4.4478% | 614 |
| Loan and lease loss provision to assets | 0.3005% | 3,630 |
| Net operating income to assets | 0.5009% | 4,387 |
| Return on assets (ROA) | 0.5009% | 4,531 |
| Pretax return on assets | 0.7664% | 4,002 |
| Return on Equity (ROE) | 5.1401% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.1401% | 3,076 |
| Net charge-offs to loans | -0.0065% | 6,835 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6540% | 2,463 |
| Assets per employee ($millions) | 2.8162% | 6,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 4,270 |
| Loan loss allowance to noncurrent loans | 412.9187% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 6,711 |
| Noncurrent loans to loans | 0.3461% | 6,609 |
| Net loans and leases to total assets | 75.4775% | 1,653 |
| Net loans and leases to deposits | 87.8130% | 2,254 |
| Net loans and leases to core deposits | 161.1660% | 187 |
| Total domestic deposits to total assets | 85.9525% | 3,174 |
| Equity capital to assets | 9.9196% | 3,958 |
| Core capital (leverage) ratio | 9.7441% | 3,460 |
| Tier 1 risk-based capital ratio | 12.5743% | 4,668 |
| Total risk-based capital ratio | 13.8249% | 4,636 |
| Memoranda: | ||
| Average total assets | $79,859,000 | 5,772 |
| Average earning assets | $76,431,500 | 5,625 |
| Average equity | $7,782,000 | 5,917 |
| Average total loans | $61,188,500 | 5,201 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7025% | 461 |
| Cost of funding earning assets | 1.8991% | 3,466 |
| Net interest margin | 4.8034% | 691 |
| Noninterest income to average assets | 0.6419% | 3,345 |
| Noninterest expense to average assets | 4.3104% | 975 |
| Loan and lease loss provision to assets | 0.3757% | 4,534 |
| Net operating income to assets | 0.2890% | 4,575 |
| Return on assets (ROA) | 0.3203% | 4,536 |
| Pretax return on assets | 0.4877% | 4,219 |
| Return on Equity (ROE) | 3.1845% | 4,422 |
| Retained earnings to average equity (ytd only) | 2.7389% | 3,236 |
| Net charge-offs to loans | 0.2363% | 5,147 |
| Credit loss provision to net charge-offs | 197.9167% | 1,988 |
| Earnings coverage of net charge-offs (x) | 4.2986% | 2,994 |
| Efficiency ratio | 84.0833% | 2,338 |
| Assets per employee ($millions) | 2.8880% | 6,474 |
| Cash dividends to net income (ytd only)* | 13.9918% | 3,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 4,805 |
| Loan loss allowance to noncurrent loans | 66.7777% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.5248% | 4,091 |
| Noncurrent loans to loans | 1.9372% | 3,746 |
| Net loans and leases to total assets | 75.6764% | 1,884 |
| Net loans and leases to deposits | 86.1537% | 2,887 |
| Net loans and leases to core deposits | 133.9909% | 1,055 |
| Total domestic deposits to total assets | 87.8388% | 2,053 |
| Equity capital to assets | 9.5741% | 4,314 |
| Core capital (leverage) ratio | 10.1001% | 2,995 |
| Tier 1 risk-based capital ratio | 12.1116% | 4,840 |
| Total risk-based capital ratio | 13.3689% | 4,802 |
| Memoranda: | ||
| Average total assets | $75,863,800 | 5,841 |
| Average earning assets | $70,824,600 | 5,785 |
| Average equity | $7,630,800 | 6,041 |
| Average total loans | $60,952,000 | 5,212 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8287% | 396 |
| Cost of funding earning assets | 2.0365% | 3,181 |
| Net interest margin | 4.7922% | 695 |
| Noninterest income to average assets | 0.6772% | 3,174 |
| Noninterest expense to average assets | 4.4352% | 799 |
| Loan and lease loss provision to assets | 0.3127% | 4,472 |
| Net operating income to assets | 0.2758% | 4,878 |
| Return on assets (ROA) | 0.3234% | 4,811 |
| Pretax return on assets | 0.4342% | 4,704 |
| Return on Equity (ROE) | 3.1741% | 4,713 |
| Retained earnings to average equity (ytd only) | 3.1741% | 3,539 |
| Net charge-offs to loans | 0.2197% | 4,661 |
| Credit loss provision to net charge-offs | 175.0000% | 2,640 |
| Earnings coverage of net charge-offs (x) | 3.8200% | 3,376 |
| Efficiency ratio | 86.6620% | 1,999 |
| Assets per employee ($millions) | 4.2267% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 5,206 |
| Loan loss allowance to noncurrent loans | 62.1622% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.7390% | 3,757 |
| Noncurrent loans to loans | 1.9026% | 3,772 |
| Net loans and leases to total assets | 80.8268% | 1,017 |
| Net loans and leases to deposits | 93.6394% | 1,943 |
| Net loans and leases to core deposits | 134.2554% | 1,194 |
| Total domestic deposits to total assets | 86.3170% | 2,530 |
| Equity capital to assets | 10.1380% | 3,923 |
| Core capital (leverage) ratio | 10.2011% | 3,067 |
| Tier 1 risk-based capital ratio | 12.0953% | 4,881 |
| Total risk-based capital ratio | 13.2509% | 4,914 |
| Memoranda: | ||
| Average total assets | $74,613,750 | 5,920 |
| Average earning assets | $69,137,750 | 5,877 |
| Average equity | $7,603,000 | 6,110 |
| Average total loans | $60,690,750 | 5,253 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9922% | 324 |
| Cost of funding earning assets | 2.1971% | 2,807 |
| Net interest margin | 4.7952% | 658 |
| Noninterest income to average assets | 0.6745% | 3,158 |
| Noninterest expense to average assets | 4.4978% | 780 |
| Loan and lease loss provision to assets | 0.2833% | 4,308 |
| Net operating income to assets | 0.1997% | 5,265 |
| Return on assets (ROA) | 0.1997% | 5,347 |
| Pretax return on assets | 0.2806% | 5,247 |
| Return on Equity (ROE) | 1.9560% | 5,319 |
| Retained earnings to average equity (ytd only) | 1.9560% | 4,257 |
| Net charge-offs to loans | 0.2426% | 3,981 |
| Credit loss provision to net charge-offs | 143.8356% | 3,222 |
| Earnings coverage of net charge-offs (x) | 2.8630% | 3,669 |
| Efficiency ratio | 88.8593% | 1,921 |
| Assets per employee ($millions) | 3.6524% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 5,306 |
| Loan loss allowance to noncurrent loans | 121.7926% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.8970% | 5,190 |
| Noncurrent loans to loans | 0.9396% | 5,341 |
| Net loans and leases to total assets | 78.0498% | 1,733 |
| Net loans and leases to deposits | 89.6411% | 2,881 |
| Net loans and leases to core deposits | 118.8151% | 2,473 |
| Total domestic deposits to total assets | 87.0693% | 2,218 |
| Equity capital to assets | 9.8565% | 4,140 |
| Core capital (leverage) ratio | 9.6403% | 3,716 |
| Tier 1 risk-based capital ratio | 12.2406% | 4,728 |
| Total risk-based capital ratio | 13.3573% | 4,747 |
| Memoranda: | ||
| Average total assets | $74,125,000 | 5,976 |
| Average earning assets | $67,818,000 | 5,954 |
| Average equity | $7,566,330 | 6,158 |
| Average total loans | $60,178,000 | 5,320 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2539% | 237 |
| Cost of funding earning assets | 2.2386% | 2,968 |
| Net interest margin | 5.0154% | 388 |
| Noninterest income to average assets | 0.6151% | 3,439 |
| Noninterest expense to average assets | 4.3330% | 827 |
| Loan and lease loss provision to assets | 0.3295% | 3,345 |
| Net operating income to assets | 0.3295% | 5,162 |
| Return on assets (ROA) | 0.3295% | 5,350 |
| Pretax return on assets | 0.4558% | 5,223 |
| Return on Equity (ROE) | 3.1706% | 5,296 |
| Retained earnings to average equity (ytd only) | 3.1706% | 4,111 |
| Net charge-offs to loans | 0.3801% | 2,570 |
| Credit loss provision to net charge-offs | 105.2632% | 3,601 |
| Earnings coverage of net charge-offs (x) | 2.5088% | 3,493 |
| Efficiency ratio | 84.6567% | 2,231 |
| Assets per employee ($millions) | 3.6516% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 5,402 |
| Loan loss allowance to noncurrent loans | 52.9037% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 1.7944% | 3,228 |
| Noncurrent loans to loans | 2.0961% | 3,121 |
| Net loans and leases to total assets | 77.3356% | 1,963 |
| Net loans and leases to deposits | 88.8742% | 3,130 |
| Net loans and leases to core deposits | 110.1322% | 3,419 |
| Total domestic deposits to total assets | 87.0168% | 2,207 |
| Equity capital to assets | 9.9604% | 4,040 |
| Core capital (leverage) ratio | 10.4408% | 2,993 |
| Tier 1 risk-based capital ratio | 12.1235% | 4,846 |
| Total risk-based capital ratio | 13.1838% | 4,924 |
| Memoranda: | ||
| Average total assets | $72,837,000 | 6,034 |
| Average earning assets | $65,399,000 | 6,059 |
| Average equity | $7,569,500 | 6,201 |
| Average total loans | $59,988,000 | 5,357 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1953% | 754 |
| Cost of funding earning assets | 2.6907% | 3,203 |
| Net interest margin | 4.5046% | 1,406 |
| Noninterest income to average assets | 0.6768% | 3,280 |
| Noninterest expense to average assets | 4.1076% | 1,265 |
| Loan and lease loss provision to assets | 0.5217% | 2,727 |
| Net operating income to assets | 0.2249% | 5,773 |
| Return on assets (ROA) | 0.2796% | 5,427 |
| Pretax return on assets | 0.3543% | 5,379 |
| Return on Equity (ROE) | 2.6785% | 5,349 |
| Retained earnings to average equity (ytd only) | 2.6785% | 3,508 |
| Net charge-offs to loans | 0.5548% | 2,161 |
| Credit loss provision to net charge-offs | 115.2905% | 4,687 |
| Earnings coverage of net charge-offs (x) | 1.7829% | 5,186 |
| Efficiency ratio | 83.5821% | 2,107 |
| Assets per employee ($millions) | 3.2852% | 5,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 5,256 |
| Loan loss allowance to noncurrent loans | 40.0726% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 2.5670% | 1,880 |
| Noncurrent loans to loans | 2.7530% | 1,970 |
| Net loans and leases to total assets | 86.0197% | 601 |
| Net loans and leases to deposits | 100.3042% | 1,811 |
| Net loans and leases to core deposits | 119.3488% | 2,755 |
| Total domestic deposits to total assets | 85.7588% | 2,513 |
| Equity capital to assets | 10.8726% | 3,144 |
| Core capital (leverage) ratio | 10.5493% | 2,940 |
| Tier 1 risk-based capital ratio | 12.1874% | 4,677 |
| Total risk-based capital ratio | 13.2601% | 4,700 |
| Memoranda: | ||
| Average total assets | $72,257,000 | 5,952 |
| Average earning assets | $67,975,000 | 5,899 |
| Average equity | $7,541,400 | 6,264 |
| Average total loans | $58,936,800 | 5,320 |