Home > Citizens State Bank > Performance and Condition Ratios
Citizens State Bank, Performance and Condition Ratios
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7554% | 4,056 |
| Cost of funding earning assets | 0.4259% | 780 |
| Net interest margin | 2.3295% | 4,302 |
| Noninterest income to average assets | 0.2263% | 3,836 |
| Noninterest expense to average assets | 1.4169% | 4,513 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8952% | 2,603 |
| Return on assets (ROA) | 0.8841% | 2,624 |
| Pretax return on assets | 0.9383% | 2,934 |
| Return on Equity (ROE) | 9.2872% | 2,602 |
| Retained earnings to average equity (ytd only) | -0.3715% | 4,222 |
| Net charge-offs to loans | -0.0296% | 4,031 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8606% | 3,315 |
| Assets per employee ($millions) | 5.4201% | 3,302 |
| Cash dividends to net income (ytd only)* | 104.0000% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 1,337 |
| Loan loss allowance to noncurrent loans | 1,747.8261% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 3,698 |
| Noncurrent loans to loans | 0.0874% | 3,341 |
| Net loans and leases to total assets | 31.8750% | 4,405 |
| Net loans and leases to deposits | 41.9235% | 4,192 |
| Net loans and leases to core deposits | 44.4397% | 4,176 |
| Total domestic deposits to total assets | 76.0313% | 4,458 |
| Equity capital to assets | 6.6370% | 3,958 |
| Core capital (leverage) ratio | 13.3976% | 726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,834,333 | 4,142 |
| Average earning assets | $77,956,667 | 4,140 |
| Average equity | $8,075,667 | 4,193 |
| Average total loans | $27,013,667 | 4,372 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6102% | 4,100 |
| Cost of funding earning assets | 0.4217% | 771 |
| Net interest margin | 2.1886% | 4,361 |
| Noninterest income to average assets | 0.2263% | 3,799 |
| Noninterest expense to average assets | 1.4688% | 4,460 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7159% | 3,001 |
| Return on assets (ROA) | 0.7159% | 2,987 |
| Pretax return on assets | 0.7714% | 3,197 |
| Return on Equity (ROE) | 6.5849% | 3,163 |
| Retained earnings to average equity (ytd only) | -9.9835% | 4,562 |
| Net charge-offs to loans | 0.3509% | 187 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 6.9583% | 1,552 |
| Efficiency ratio | 65.5670% | 2,822 |
| Assets per employee ($millions) | 5.6254% | 3,207 |
| Cash dividends to net income (ytd only)* | 251.6129% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 2,042 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 3,627 |
| Noncurrent loans to loans | 0.1242% | 3,201 |
| Net loans and leases to total assets | 31.9894% | 4,378 |
| Net loans and leases to deposits | 43.1467% | 4,107 |
| Net loans and leases to core deposits | 46.5806% | 4,045 |
| Total domestic deposits to total assets | 74.1411% | 4,568 |
| Equity capital to assets | 9.1395% | 2,589 |
| Core capital (leverage) ratio | 12.7955% | 819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,600,500 | 4,139 |
| Average earning assets | $79,686,000 | 4,145 |
| Average equity | $9,415,500 | 4,121 |
| Average total loans | $27,362,000 | 4,382 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6900% | 4,323 |
| Cost of funding earning assets | 0.5243% | 818 |
| Net interest margin | 2.1657% | 4,505 |
| Noninterest income to average assets | 0.2620% | 3,805 |
| Noninterest expense to average assets | 1.4122% | 4,616 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8206% | 3,273 |
| Return on assets (ROA) | 0.8330% | 3,301 |
| Pretax return on assets | 0.8670% | 3,575 |
| Return on Equity (ROE) | 6.3313% | 3,696 |
| Retained earnings to average equity (ytd only) | 4.1167% | 3,180 |
| Net charge-offs to loans | 0.0478% | 1,349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 55.9231% | 1,228 |
| Efficiency ratio | 62.3121% | 2,818 |
| Assets per employee ($millions) | 5.5513% | 3,213 |
| Cash dividends to net income (ytd only)* | 34.9788% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 1,712 |
| Loan loss allowance to noncurrent loans | 1,990.0000% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,904 |
| Noncurrent loans to loans | 0.0731% | 3,569 |
| Net loans and leases to total assets | 30.3524% | 4,497 |
| Net loans and leases to deposits | 42.4170% | 4,256 |
| Net loans and leases to core deposits | 45.5412% | 4,203 |
| Total domestic deposits to total assets | 71.5571% | 4,652 |
| Equity capital to assets | 12.5186% | 1,055 |
| Core capital (leverage) ratio | 12.9810% | 802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,117,800 | 4,153 |
| Average earning assets | $78,773,400 | 4,142 |
| Average equity | $11,198,400 | 4,015 |
| Average total loans | $27,218,600 | 4,426 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7008% | 4,406 |
| Cost of funding earning assets | 0.5524% | 821 |
| Net interest margin | 2.1483% | 4,598 |
| Noninterest income to average assets | 0.2676% | 3,806 |
| Noninterest expense to average assets | 1.3097% | 4,749 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9031% | 3,241 |
| Return on assets (ROA) | 0.9106% | 3,286 |
| Pretax return on assets | 0.9613% | 3,559 |
| Return on Equity (ROE) | 6.8339% | 3,711 |
| Retained earnings to average equity (ytd only) | 4.6233% | 3,364 |
| Net charge-offs to loans | 0.0981% | 749 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 30.1000% | 1,521 |
| Efficiency ratio | 57.8726% | 3,279 |
| Assets per employee ($millions) | 5.3379% | 3,369 |
| Cash dividends to net income (ytd only)* | 32.3478% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4531% | 1,802 |
| Loan loss allowance to noncurrent loans | 9,775.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 4,225 |
| Noncurrent loans to loans | 0.0149% | 4,097 |
| Net loans and leases to total assets | 31.0478% | 4,563 |
| Net loans and leases to deposits | 44.3072% | 4,298 |
| Net loans and leases to core deposits | 47.8491% | 4,246 |
| Total domestic deposits to total assets | 70.0739% | 4,731 |
| Equity capital to assets | 13.2624% | 915 |
| Core capital (leverage) ratio | 13.0207% | 841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,192,250 | 4,211 |
| Average earning assets | $78,198,250 | 4,204 |
| Average equity | $11,218,250 | 4,064 |
| Average total loans | $27,184,000 | 4,491 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6831% | 4,474 |
| Cost of funding earning assets | 0.5831% | 807 |
| Net interest margin | 2.1001% | 4,653 |
| Noninterest income to average assets | 0.2745% | 3,761 |
| Noninterest expense to average assets | 1.3200% | 4,779 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8529% | 3,358 |
| Return on assets (ROA) | 0.8665% | 3,385 |
| Pretax return on assets | 0.9118% | 3,635 |
| Return on Equity (ROE) | 6.4926% | 3,787 |
| Retained earnings to average equity (ytd only) | 4.2747% | 3,433 |
| Net charge-offs to loans | 0.1100% | 696 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 25.0667% | 1,419 |
| Efficiency ratio | 59.5264% | 3,079 |
| Assets per employee ($millions) | 5.3354% | 3,304 |
| Cash dividends to net income (ytd only)* | 34.1598% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 1,603 |
| Loan loss allowance to noncurrent loans | 260.5263% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1781% | 3,075 |
| Noncurrent loans to loans | 0.5741% | 1,964 |
| Net loans and leases to total assets | 30.5496% | 4,634 |
| Net loans and leases to deposits | 43.5572% | 4,401 |
| Net loans and leases to core deposits | 47.0358% | 4,364 |
| Total domestic deposits to total assets | 70.1368% | 4,754 |
| Equity capital to assets | 13.2266% | 885 |
| Core capital (leverage) ratio | 12.9619% | 812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,787,333 | 4,243 |
| Average earning assets | $77,521,000 | 4,239 |
| Average equity | $11,182,000 | 4,080 |
| Average total loans | $27,276,000 | 4,523 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7045% | 4,473 |
| Cost of funding earning assets | 0.6120% | 835 |
| Net interest margin | 2.0924% | 4,683 |
| Noninterest income to average assets | 0.3181% | 3,500 |
| Noninterest expense to average assets | 1.3928% | 4,749 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8065% | 3,403 |
| Return on assets (ROA) | 0.8386% | 3,383 |
| Pretax return on assets | 0.8868% | 3,634 |
| Return on Equity (ROE) | 6.2548% | 3,786 |
| Retained earnings to average equity (ytd only) | 4.0261% | 3,494 |
| Net charge-offs to loans | 0.3758% | 226 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 6.8077% | 1,635 |
| Efficiency ratio | 62.0172% | 2,757 |
| Assets per employee ($millions) | 5.1923% | 3,439 |
| Cash dividends to net income (ytd only)* | 35.6322% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 1,823 |
| Loan loss allowance to noncurrent loans | 663.7931% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 3,875 |
| Noncurrent loans to loans | 0.2163% | 3,332 |
| Net loans and leases to total assets | 31.8102% | 4,637 |
| Net loans and leases to deposits | 45.5473% | 4,375 |
| Net loans and leases to core deposits | 49.1555% | 4,335 |
| Total domestic deposits to total assets | 69.8400% | 4,772 |
| Equity capital to assets | 13.0409% | 901 |
| Core capital (leverage) ratio | 13.1756% | 807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,998,000 | 4,267 |
| Average earning assets | $76,465,500 | 4,273 |
| Average equity | $11,127,500 | 4,094 |
| Average total loans | $27,676,500 | 4,539 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1280% | 4,533 |
| Cost of funding earning assets | 1.0219% | 547 |
| Net interest margin | 2.1060% | 4,800 |
| Noninterest income to average assets | 0.2922% | 3,737 |
| Noninterest expense to average assets | 1.3019% | 4,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9090% | 2,656 |
| Return on assets (ROA) | 0.9215% | 2,742 |
| Pretax return on assets | 0.9649% | 3,157 |
| Return on Equity (ROE) | 6.3564% | 3,468 |
| Retained earnings to average equity (ytd only) | 0.1271% | 4,486 |
| Net charge-offs to loans | 0.0183% | 2,715 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 144.6000% | 601 |
| Efficiency ratio | 57.7687% | 3,757 |
| Assets per employee ($millions) | 5.1824% | 3,186 |
| Cash dividends to net income (ytd only)* | 98.0000% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4400% | 1,816 |
| Loan loss allowance to noncurrent loans | 209.6939% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 3,108 |
| Noncurrent loans to loans | 0.6867% | 1,970 |
| Net loans and leases to total assets | 33.9247% | 4,652 |
| Net loans and leases to deposits | 49.1422% | 4,352 |
| Net loans and leases to core deposits | 53.0855% | 4,295 |
| Total domestic deposits to total assets | 69.0336% | 4,793 |
| Equity capital to assets | 13.7737% | 850 |
| Core capital (leverage) ratio | 13.5421% | 775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.0667% | 162 |
| Memoranda: | ||
| Average total assets | $75,964,800 | 4,295 |
| Average earning assets | $70,748,600 | 4,288 |
| Average equity | $11,012,600 | 4,076 |
| Average total loans | $27,349,400 | 4,568 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1960% | 4,594 |
| Cost of funding earning assets | 1.1153% | 507 |
| Net interest margin | 2.0807% | 4,859 |
| Noninterest income to average assets | 0.3000% | 3,688 |
| Noninterest expense to average assets | 1.2951% | 4,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9006% | 2,707 |
| Return on assets (ROA) | 0.9125% | 2,778 |
| Pretax return on assets | 0.9610% | 3,197 |
| Return on Equity (ROE) | 6.2079% | 3,477 |
| Retained earnings to average equity (ytd only) | -1.4176% | 4,656 |
| Net charge-offs to loans | 0.0345% | 2,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 75.4286% | 953 |
| Efficiency ratio | 57.7262% | 3,703 |
| Assets per employee ($millions) | 4.8454% | 3,435 |
| Cash dividends to net income (ytd only)* | 122.8346% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 1,492 |
| Loan loss allowance to noncurrent loans | 282.0690% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 3,501 |
| Noncurrent loans to loans | 0.5189% | 2,496 |
| Net loans and leases to total assets | 35.5158% | 4,697 |
| Net loans and leases to deposits | 52.9602% | 4,376 |
| Net loans and leases to core deposits | 57.3733% | 4,326 |
| Total domestic deposits to total assets | 67.0614% | 4,828 |
| Equity capital to assets | 14.4958% | 732 |
| Core capital (leverage) ratio | 13.8741% | 741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4175% | 173 |
| Memoranda: | ||
| Average total assets | $74,226,250 | 4,327 |
| Average earning assets | $69,335,250 | 4,316 |
| Average equity | $10,910,500 | 4,095 |
| Average total loans | $27,051,500 | 4,601 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3551% | 4,585 |
| Cost of funding earning assets | 1.2024% | 501 |
| Net interest margin | 2.1527% | 4,897 |
| Noninterest income to average assets | 0.3118% | 3,594 |
| Noninterest expense to average assets | 1.3183% | 4,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9521% | 2,481 |
| Return on assets (ROA) | 0.9572% | 2,593 |
| Pretax return on assets | 1.0065% | 3,005 |
| Return on Equity (ROE) | 6.4807% | 3,337 |
| Retained earnings to average equity (ytd only) | -3.9254% | 4,722 |
| Net charge-offs to loans | 0.0075% | 2,684 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 366.0000% | 283 |
| Efficiency ratio | 56.8396% | 3,842 |
| Assets per employee ($millions) | 4.7338% | 3,496 |
| Cash dividends to net income (ytd only)* | 160.5714% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 1,159 |
| Loan loss allowance to noncurrent loans | 276.6667% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 3,548 |
| Noncurrent loans to loans | 0.5552% | 2,500 |
| Net loans and leases to total assets | 35.1215% | 4,746 |
| Net loans and leases to deposits | 52.7934% | 4,415 |
| Net loans and leases to core deposits | 57.3421% | 4,384 |
| Total domestic deposits to total assets | 66.5263% | 4,876 |
| Equity capital to assets | 14.6501% | 692 |
| Core capital (leverage) ratio | 14.1782% | 715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.7668% | 164 |
| Memoranda: | ||
| Average total assets | $73,126,333 | 4,352 |
| Average earning assets | $68,194,667 | 4,341 |
| Average equity | $10,801,333 | 4,118 |
| Average total loans | $26,754,333 | 4,626 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3124% | 4,801 |
| Cost of funding earning assets | 1.2571% | 638 |
| Net interest margin | 2.0554% | 5,001 |
| Noninterest income to average assets | 0.3732% | 3,278 |
| Noninterest expense to average assets | 1.3534% | 4,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8967% | 2,535 |
| Return on assets (ROA) | 0.8967% | 2,633 |
| Pretax return on assets | 0.9412% | 3,028 |
| Return on Equity (ROE) | 6.0447% | 3,301 |
| Retained earnings to average equity (ytd only) | -12.7276% | 4,843 |
| Net charge-offs to loans | -0.0150% | 4,216 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9806% | 3,876 |
| Assets per employee ($millions) | 4.4723% | 3,301 |
| Cash dividends to net income (ytd only)* | 310.5590% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5561% | 1,173 |
| Loan loss allowance to noncurrent loans | 1,158.3333% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 4,343 |
| Noncurrent loans to loans | 0.1343% | 3,982 |
| Net loans and leases to total assets | 36.8657% | 4,753 |
| Net loans and leases to deposits | 56.3314% | 4,354 |
| Net loans and leases to core deposits | 61.7105% | 4,283 |
| Total domestic deposits to total assets | 65.4443% | 4,973 |
| Equity capital to assets | 14.5912% | 863 |
| Core capital (leverage) ratio | 14.6532% | 756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.5500% | 169 |
| Memoranda: | ||
| Average total assets | $71,819,500 | 4,378 |
| Average earning assets | $67,141,000 | 4,368 |
| Average equity | $10,654,000 | 4,154 |
| Average total loans | $26,623,500 | 4,665 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5179% | 4,845 |
| Cost of funding earning assets | 1.2464% | 908 |
| Net interest margin | 2.2715% | 5,044 |
| Noninterest income to average assets | 0.3847% | 3,386 |
| Noninterest expense to average assets | 1.3534% | 5,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1118% | 2,392 |
| Return on assets (ROA) | 1.1158% | 2,476 |
| Pretax return on assets | 1.1696% | 2,949 |
| Return on Equity (ROE) | 7.4105% | 3,401 |
| Retained earnings to average equity (ytd only) | -2.3199% | 4,884 |
| Net charge-offs to loans | 0.1280% | 1,490 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 24.9697% | 1,754 |
| Efficiency ratio | 53.7339% | 4,446 |
| Assets per employee ($millions) | 4.5051% | 3,211 |
| Cash dividends to net income (ytd only)* | 131.3054% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5728% | 1,041 |
| Loan loss allowance to noncurrent loans | 620.8955% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 4,161 |
| Noncurrent loans to loans | 0.2533% | 3,541 |
| Net loans and leases to total assets | 36.1172% | 4,836 |
| Net loans and leases to deposits | 55.5013% | 4,476 |
| Net loans and leases to core deposits | 60.7505% | 4,408 |
| Total domestic deposits to total assets | 65.0745% | 5,039 |
| Equity capital to assets | 15.0759% | 771 |
| Core capital (leverage) ratio | 15.0673% | 674 |
| Tier 1 risk-based capital ratio | 37.5953% | 280 |
| Total risk-based capital ratio | 38.8465% | 276 |
| Memoranda: | ||
| Average total assets | $70,709,000 | 4,420 |
| Average earning assets | $66,430,800 | 4,400 |
| Average equity | $10,647,000 | 4,163 |
| Average total loans | $25,775,000 | 4,734 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5180% | 4,946 |
| Cost of funding earning assets | 1.2384% | 939 |
| Net interest margin | 2.2796% | 5,134 |
| Noninterest income to average assets | 0.3884% | 3,387 |
| Noninterest expense to average assets | 1.3529% | 5,126 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1145% | 2,516 |
| Return on assets (ROA) | 1.1198% | 2,582 |
| Pretax return on assets | 1.1862% | 3,024 |
| Return on Equity (ROE) | 7.4394% | 3,529 |
| Retained earnings to average equity (ytd only) | -4.8211% | 5,058 |
| Net charge-offs to loans | 0.1823% | 942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 17.7984% | 2,076 |
| Efficiency ratio | 53.4031% | 4,454 |
| Assets per employee ($millions) | 4.4697% | 3,257 |
| Cash dividends to net income (ytd only)* | 164.8049% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 1,063 |
| Loan loss allowance to noncurrent loans | 5,175.0000% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 4,702 |
| Noncurrent loans to loans | 0.0303% | 4,532 |
| Net loans and leases to total assets | 36.3113% | 4,927 |
| Net loans and leases to deposits | 56.1131% | 4,545 |
| Net loans and leases to core deposits | 61.8669% | 4,462 |
| Total domestic deposits to total assets | 64.7109% | 5,112 |
| Equity capital to assets | 15.2290% | 785 |
| Core capital (leverage) ratio | 15.0016% | 740 |
| Tier 1 risk-based capital ratio | 37.1718% | 299 |
| Total risk-based capital ratio | 38.4247% | 292 |
| Memoranda: | ||
| Average total assets | $70,365,750 | 4,482 |
| Average earning assets | $66,210,250 | 4,454 |
| Average equity | $10,592,000 | 4,217 |
| Average total loans | $25,606,250 | 4,803 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5446% | 4,981 |
| Cost of funding earning assets | 1.2057% | 975 |
| Net interest margin | 2.3389% | 5,183 |
| Noninterest income to average assets | 0.4001% | 3,271 |
| Noninterest expense to average assets | 1.3603% | 5,182 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1832% | 2,212 |
| Return on assets (ROA) | 1.1832% | 2,276 |
| Pretax return on assets | 1.2517% | 2,742 |
| Return on Equity (ROE) | 7.8915% | 3,331 |
| Retained earnings to average equity (ytd only) | -9.4926% | 5,169 |
| Net charge-offs to loans | -0.0868% | 4,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0788% | 4,651 |
| Assets per employee ($millions) | 4.3751% | 3,324 |
| Cash dividends to net income (ytd only)* | 220.2899% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7282% | 774 |
| Loan loss allowance to noncurrent loans | 666.6667% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 4,262 |
| Noncurrent loans to loans | 0.2592% | 3,603 |
| Net loans and leases to total assets | 37.3661% | 4,933 |
| Net loans and leases to deposits | 58.2613% | 4,506 |
| Net loans and leases to core deposits | 61.1259% | 4,537 |
| Total domestic deposits to total assets | 64.1353% | 5,167 |
| Equity capital to assets | 15.4324% | 721 |
| Core capital (leverage) ratio | 15.1284% | 680 |
| Tier 1 risk-based capital ratio | 36.9630% | 294 |
| Total risk-based capital ratio | 38.2176% | 288 |
| Memoranda: | ||
| Average total assets | $69,982,670 | 4,518 |
| Average earning assets | $66,184,670 | 4,493 |
| Average equity | $10,492,330 | 4,238 |
| Average total loans | $25,347,670 | 4,844 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3751% | 5,133 |
| Cost of funding earning assets | 1.1655% | 1,000 |
| Net interest margin | 2.2096% | 5,273 |
| Noninterest income to average assets | 0.4402% | 2,910 |
| Noninterest expense to average assets | 1.4234% | 5,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0347% | 2,725 |
| Return on assets (ROA) | 1.0347% | 2,764 |
| Pretax return on assets | 1.0976% | 3,156 |
| Return on Equity (ROE) | 7.0040% | 3,682 |
| Retained earnings to average equity (ytd only) | -25.8876% | 5,292 |
| Net charge-offs to loans | -0.0971% | 5,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4626% | 4,272 |
| Assets per employee ($millions) | 4.6397% | 2,990 |
| Cash dividends to net income (ytd only)* | 469.6133% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8188% | 685 |
| Loan loss allowance to noncurrent loans | 1,137.5000% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 4,530 |
| Noncurrent loans to loans | 0.1599% | 4,028 |
| Net loans and leases to total assets | 35.2928% | 5,038 |
| Net loans and leases to deposits | 54.5301% | 4,660 |
| Net loans and leases to core deposits | 57.0639% | 4,672 |
| Total domestic deposits to total assets | 64.7216% | 5,224 |
| Equity capital to assets | 14.7295% | 817 |
| Core capital (leverage) ratio | 14.9640% | 703 |
| Tier 1 risk-based capital ratio | 37.9157% | 261 |
| Total risk-based capital ratio | 39.1725% | 254 |
| Memoranda: | ||
| Average total assets | $69,973,000 | 4,572 |
| Average earning assets | $65,894,500 | 4,545 |
| Average equity | $10,337,000 | 4,281 |
| Average total loans | $24,713,000 | 4,911 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2193% | 5,137 |
| Cost of funding earning assets | 0.8831% | 1,161 |
| Net interest margin | 2.3362% | 5,272 |
| Noninterest income to average assets | 0.3178% | 3,986 |
| Noninterest expense to average assets | 1.3649% | 5,277 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0797% | 2,677 |
| Return on assets (ROA) | 1.0849% | 2,654 |
| Pretax return on assets | 1.1507% | 3,096 |
| Return on Equity (ROE) | 7.7250% | 3,563 |
| Retained earnings to average equity (ytd only) | 5.2530% | 2,628 |
| Net charge-offs to loans | -0.4035% | 5,331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3781% | 4,579 |
| Assets per employee ($millions) | 4.6901% | 2,894 |
| Cash dividends to net income (ytd only)* | 32.0000% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8395% | 638 |
| Loan loss allowance to noncurrent loans | 449.0000% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3980% | 2,959 |
| Noncurrent loans to loans | 0.4097% | 3,065 |
| Net loans and leases to total assets | 34.0578% | 5,121 |
| Net loans and leases to deposits | 52.4875% | 4,808 |
| Net loans and leases to core deposits | 54.8862% | 4,817 |
| Total domestic deposits to total assets | 64.8875% | 5,264 |
| Equity capital to assets | 14.8157% | 756 |
| Core capital (leverage) ratio | 15.8203% | 547 |
| Tier 1 risk-based capital ratio | 40.2920% | 229 |
| Total risk-based capital ratio | 41.5465% | 225 |
| Memoranda: | ||
| Average total assets | $71,433,800 | 4,562 |
| Average earning assets | $67,032,800 | 4,539 |
| Average equity | $10,032,400 | 4,290 |
| Average total loans | $23,048,600 | 4,999 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1606% | 5,216 |
| Cost of funding earning assets | 0.8293% | 1,197 |
| Net interest margin | 2.3313% | 5,341 |
| Noninterest income to average assets | 0.2919% | 4,202 |
| Noninterest expense to average assets | 1.3592% | 5,344 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0565% | 2,842 |
| Return on assets (ROA) | 1.0636% | 2,825 |
| Pretax return on assets | 1.1250% | 3,297 |
| Return on Equity (ROE) | 7.6766% | 3,676 |
| Retained earnings to average equity (ytd only) | 5.1803% | 3,127 |
| Net charge-offs to loans | -0.5343% | 5,402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8799% | 4,520 |
| Assets per employee ($millions) | 4.6398% | 2,929 |
| Cash dividends to net income (ytd only)* | 32.5169% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9374% | 549 |
| Loan loss allowance to noncurrent loans | 3,438.4615% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 3,575 |
| Noncurrent loans to loans | 0.0563% | 4,638 |
| Net loans and leases to total assets | 32.5086% | 5,234 |
| Net loans and leases to deposits | 47.6356% | 5,021 |
| Net loans and leases to core deposits | 50.2722% | 5,016 |
| Total domestic deposits to total assets | 68.2443% | 5,278 |
| Equity capital to assets | 14.1371% | 912 |
| Core capital (leverage) ratio | 15.4541% | 604 |
| Tier 1 risk-based capital ratio | 41.1602% | 218 |
| Total risk-based capital ratio | 42.4168% | 214 |
| Memoranda: | ||
| Average total assets | $71,704,500 | 4,607 |
| Average earning assets | $67,200,500 | 4,586 |
| Average equity | $9,934,750 | 4,350 |
| Average total loans | $22,708,500 | 5,074 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1566% | 5,259 |
| Cost of funding earning assets | 0.8061% | 1,100 |
| Net interest margin | 2.3505% | 5,401 |
| Noninterest income to average assets | 0.2596% | 4,450 |
| Noninterest expense to average assets | 1.3369% | 5,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0558% | 2,778 |
| Return on assets (ROA) | 1.0662% | 2,730 |
| Pretax return on assets | 1.1325% | 3,186 |
| Return on Equity (ROE) | 7.7458% | 3,609 |
| Retained earnings to average equity (ytd only) | 5.2575% | 2,955 |
| Net charge-offs to loans | -0.7792% | 5,478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3820% | 4,650 |
| Assets per employee ($millions) | 4.6826% | 2,837 |
| Cash dividends to net income (ytd only)* | 32.1244% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9434% | 571 |
| Loan loss allowance to noncurrent loans | 2,336.8421% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 3,636 |
| Noncurrent loans to loans | 0.0832% | 4,538 |
| Net loans and leases to total assets | 31.8954% | 5,289 |
| Net loans and leases to deposits | 46.5507% | 5,077 |
| Net loans and leases to core deposits | 49.5784% | 5,051 |
| Total domestic deposits to total assets | 68.5175% | 5,325 |
| Equity capital to assets | 14.0905% | 907 |
| Core capital (leverage) ratio | 15.0337% | 662 |
| Tier 1 risk-based capital ratio | 40.8872% | 216 |
| Total risk-based capital ratio | 42.1422% | 216 |
| Memoranda: | ||
| Average total assets | $72,407,000 | 4,646 |
| Average earning assets | $67,731,330 | 4,626 |
| Average equity | $9,966,670 | 4,384 |
| Average total loans | $22,587,330 | 5,137 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0168% | 5,360 |
| Cost of funding earning assets | 0.7877% | 1,002 |
| Net interest margin | 2.2290% | 5,495 |
| Noninterest income to average assets | 0.2558% | 4,467 |
| Noninterest expense to average assets | 1.3117% | 5,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9647% | 3,008 |
| Return on assets (ROA) | 0.9852% | 2,945 |
| Pretax return on assets | 1.0450% | 3,376 |
| Return on Equity (ROE) | 7.2389% | 3,681 |
| Retained earnings to average equity (ytd only) | 4.7593% | 3,277 |
| Net charge-offs to loans | -0.1069% | 5,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1772% | 4,557 |
| Assets per employee ($millions) | 4.9137% | 2,587 |
| Cash dividends to net income (ytd only)* | 34.2541% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6423% | 1,071 |
| Loan loss allowance to noncurrent loans | 495.8904% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 3,466 |
| Noncurrent loans to loans | 0.3312% | 3,582 |
| Net loans and leases to total assets | 29.4142% | 5,376 |
| Net loans and leases to deposits | 42.0188% | 5,218 |
| Net loans and leases to core deposits | 46.5526% | 5,140 |
| Total domestic deposits to total assets | 70.0024% | 5,362 |
| Equity capital to assets | 13.4222% | 1,061 |
| Core capital (leverage) ratio | 14.6309% | 735 |
| Tier 1 risk-based capital ratio | 38.1827% | 255 |
| Total risk-based capital ratio | 39.4318% | 250 |
| Memoranda: | ||
| Average total assets | $73,491,000 | 4,681 |
| Average earning assets | $68,550,000 | 4,668 |
| Average equity | $10,001,500 | 4,425 |
| Average total loans | $22,457,500 | 5,194 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0353% | 5,334 |
| Cost of funding earning assets | 0.7113% | 968 |
| Net interest margin | 2.3240% | 5,498 |
| Noninterest income to average assets | 0.3176% | 4,190 |
| Noninterest expense to average assets | 1.3307% | 5,550 |
| Loan and lease loss provision to assets | 0.0670% | 2,865 |
| Net operating income to assets | 1.0600% | 2,021 |
| Return on assets (ROA) | 1.0600% | 2,040 |
| Pretax return on assets | 1.1002% | 3,183 |
| Return on Equity (ROE) | 7.9427% | 2,821 |
| Retained earnings to average equity (ytd only) | 6.0951% | 1,486 |
| Net charge-offs to loans | 0.1119% | 1,942 |
| Credit loss provision to net charge-offs | 200.0000% | 1,355 |
| Earnings coverage of net charge-offs (x) | 34.8400% | 1,381 |
| Efficiency ratio | 53.2725% | 5,013 |
| Assets per employee ($millions) | 4.8851% | 2,621 |
| Cash dividends to net income (ytd only)* | 23.2617% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5564% | 1,254 |
| Loan loss allowance to noncurrent loans | 326.6055% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 3,279 |
| Noncurrent loans to loans | 0.4765% | 3,081 |
| Net loans and leases to total assets | 30.7290% | 5,423 |
| Net loans and leases to deposits | 44.1917% | 5,243 |
| Net loans and leases to core deposits | 48.4935% | 5,180 |
| Total domestic deposits to total assets | 69.5357% | 5,424 |
| Equity capital to assets | 13.7972% | 962 |
| Core capital (leverage) ratio | 14.3820% | 757 |
| Tier 1 risk-based capital ratio | 37.7005% | 259 |
| Total risk-based capital ratio | 38.9512% | 252 |
| Memoranda: | ||
| Average total assets | $74,622,200 | 4,700 |
| Average earning assets | $70,008,600 | 4,666 |
| Average equity | $9,958,800 | 4,456 |
| Average total loans | $22,334,200 | 5,243 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0050% | 5,406 |
| Cost of funding earning assets | 0.7015% | 955 |
| Net interest margin | 2.3035% | 5,568 |
| Noninterest income to average assets | 0.2721% | 4,557 |
| Noninterest expense to average assets | 1.3109% | 5,610 |
| Loan and lease loss provision to assets | 0.0356% | 3,403 |
| Net operating income to assets | 1.0263% | 2,434 |
| Return on assets (ROA) | 1.0263% | 2,479 |
| Pretax return on assets | 1.0868% | 3,352 |
| Return on Equity (ROE) | 7.7544% | 3,261 |
| Retained earnings to average equity (ytd only) | 6.1148% | 2,162 |
| Net charge-offs to loans | -0.0661% | 5,256 |
| Credit loss provision to net charge-offs | -181.8182% | 4,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8743% | 4,943 |
| Assets per employee ($millions) | 4.8617% | 2,617 |
| Cash dividends to net income (ytd only)* | 21.1436% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 1,236 |
| Loan loss allowance to noncurrent loans | 126.5734% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 3,461 |
| Noncurrent loans to loans | 1.2660% | 1,513 |
| Net loans and leases to total assets | 30.4802% | 5,488 |
| Net loans and leases to deposits | 44.0787% | 5,313 |
| Net loans and leases to core deposits | 48.8646% | 5,237 |
| Total domestic deposits to total assets | 69.1495% | 5,504 |
| Equity capital to assets | 14.0375% | 986 |
| Core capital (leverage) ratio | 13.9145% | 913 |
| Tier 1 risk-based capital ratio | 37.9515% | 257 |
| Total risk-based capital ratio | 39.2033% | 251 |
| Memoranda: | ||
| Average total assets | $74,958,750 | 4,740 |
| Average earning assets | $70,325,500 | 4,710 |
| Average equity | $9,921,000 | 4,512 |
| Average total loans | $22,199,500 | 5,303 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0116% | 5,423 |
| Cost of funding earning assets | 0.6935% | 923 |
| Net interest margin | 2.3182% | 5,600 |
| Noninterest income to average assets | 0.2512% | 4,736 |
| Noninterest expense to average assets | 1.2877% | 5,679 |
| Loan and lease loss provision to assets | 0.0529% | 2,919 |
| Net operating income to assets | 1.0180% | 2,343 |
| Return on assets (ROA) | 1.0180% | 2,383 |
| Pretax return on assets | 1.0762% | 3,280 |
| Return on Equity (ROE) | 7.8446% | 3,126 |
| Retained earnings to average equity (ytd only) | 6.6221% | 1,784 |
| Net charge-offs to loans | -0.0453% | 5,135 |
| Credit loss provision to net charge-offs | -400.0000% | 4,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2823% | 5,076 |
| Assets per employee ($millions) | 5.0097% | 2,377 |
| Cash dividends to net income (ytd only)* | 15.5844% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 1,436 |
| Loan loss allowance to noncurrent loans | 120.2703% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 3,538 |
| Noncurrent loans to loans | 1.2804% | 1,505 |
| Net loans and leases to total assets | 30.2908% | 5,534 |
| Net loans and leases to deposits | 42.3432% | 5,388 |
| Net loans and leases to core deposits | 47.5089% | 5,299 |
| Total domestic deposits to total assets | 71.5364% | 5,480 |
| Equity capital to assets | 13.5099% | 1,137 |
| Core capital (leverage) ratio | 13.5447% | 982 |
| Tier 1 risk-based capital ratio | 36.2758% | 273 |
| Total risk-based capital ratio | 37.5267% | 272 |
| Memoranda: | ||
| Average total assets | $75,636,330 | 4,749 |
| Average earning assets | $70,659,000 | 4,734 |
| Average equity | $9,815,670 | 4,538 |
| Average total loans | $22,069,330 | 5,351 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0102% | 5,448 |
| Cost of funding earning assets | 0.6815% | 921 |
| Net interest margin | 2.3286% | 5,648 |
| Noninterest income to average assets | 0.1634% | 5,298 |
| Noninterest expense to average assets | 1.2915% | 5,738 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9805% | 2,388 |
| Return on assets (ROA) | 0.9805% | 2,437 |
| Pretax return on assets | 1.0332% | 3,225 |
| Return on Equity (ROE) | 7.7118% | 3,068 |
| Retained earnings to average equity (ytd only) | 7.7118% | 1,572 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5556% | 4,985 |
| Assets per employee ($millions) | 5.0317% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 1,579 |
| Loan loss allowance to noncurrent loans | 95.1149% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.4611% | 3,363 |
| Noncurrent loans to loans | 1.6092% | 1,208 |
| Net loans and leases to total assets | 28.2143% | 5,628 |
| Net loans and leases to deposits | 39.1481% | 5,502 |
| Net loans and leases to core deposits | 43.5882% | 5,425 |
| Total domestic deposits to total assets | 72.0706% | 5,539 |
| Equity capital to assets | 13.0346% | 1,243 |
| Core capital (leverage) ratio | 13.3529% | 1,016 |
| Tier 1 risk-based capital ratio | 37.6773% | 260 |
| Total risk-based capital ratio | 38.9193% | 258 |
| Memoranda: | ||
| Average total assets | $75,882,000 | 4,796 |
| Average earning assets | $70,428,000 | 4,780 |
| Average equity | $9,647,500 | 4,595 |
| Average total loans | $21,545,000 | 5,419 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9628% | 5,528 |
| Cost of funding earning assets | 0.8043% | 493 |
| Net interest margin | 2.1585% | 5,771 |
| Noninterest income to average assets | 0.1742% | 5,351 |
| Noninterest expense to average assets | 1.3164% | 5,804 |
| Loan and lease loss provision to assets | 1.1001% | 87 |
| Net operating income to assets | -0.2049% | 5,719 |
| Return on assets (ROA) | -0.1806% | 5,725 |
| Pretax return on assets | -0.2073% | 5,720 |
| Return on Equity (ROE) | -1.3872% | 5,722 |
| Retained earnings to average equity (ytd only) | -5.9299% | 5,706 |
| Net charge-offs to loans | 4.9407% | 11 |
| Credit loss provision to net charge-offs | 77.2321% | 3,013 |
| Earnings coverage of net charge-offs (x) | 0.6071% | 4,089 |
| Efficiency ratio | 60.3499% | 4,526 |
| Assets per employee ($millions) | 5.0859% | 2,302 |
| Cash dividends to net income (ytd only)* | -327.4648% | 5,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 1,528 |
| Loan loss allowance to noncurrent loans | 96.5015% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.7039% | 2,616 |
| Noncurrent loans to loans | 1.5980% | 1,233 |
| Net loans and leases to total assets | 27.7016% | 5,687 |
| Net loans and leases to deposits | 38.0069% | 5,602 |
| Net loans and leases to core deposits | 42.0515% | 5,547 |
| Total domestic deposits to total assets | 72.8856% | 5,504 |
| Equity capital to assets | 12.3964% | 1,578 |
| Core capital (leverage) ratio | 12.7826% | 1,219 |
| Tier 1 risk-based capital ratio | 36.5813% | 287 |
| Total risk-based capital ratio | 37.8099% | 280 |
| Memoranda: | ||
| Average total assets | $78,626,400 | 4,752 |
| Average earning assets | $73,107,400 | 4,736 |
| Average equity | $10,236,200 | 4,531 |
| Average total loans | $22,669,000 | 5,428 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9360% | 5,622 |
| Cost of funding earning assets | 0.8406% | 400 |
| Net interest margin | 2.0953% | 5,851 |
| Noninterest income to average assets | 0.1633% | 5,453 |
| Noninterest expense to average assets | 1.2540% | 5,883 |
| Loan and lease loss provision to assets | 0.5050% | 245 |
| Net operating income to assets | 0.3415% | 5,181 |
| Return on assets (ROA) | 0.3770% | 5,186 |
| Pretax return on assets | 0.3922% | 5,319 |
| Return on Equity (ROE) | 2.8632% | 5,253 |
| Retained earnings to average equity (ytd only) | -2.3136% | 5,615 |
| Net charge-offs to loans | -0.2090% | 5,774 |
| Credit loss provision to net charge-offs | -833.3333% | 5,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3153% | 4,645 |
| Assets per employee ($millions) | 5.1712% | 2,166 |
| Cash dividends to net income (ytd only)* | 180.8043% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0495% | 73 |
| Loan loss allowance to noncurrent loans | 59.5607% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 2.4275% | 573 |
| Noncurrent loans to loans | 6.7990% | 90 |
| Net loans and leases to total assets | 28.1637% | 5,753 |
| Net loans and leases to deposits | 39.3260% | 5,649 |
| Net loans and leases to core deposits | 46.1646% | 5,506 |
| Total domestic deposits to total assets | 71.6159% | 5,613 |
| Equity capital to assets | 13.8382% | 1,100 |
| Core capital (leverage) ratio | 13.2947% | 1,071 |
| Tier 1 risk-based capital ratio | 37.4181% | 273 |
| Total risk-based capital ratio | 38.6952% | 269 |
| Memoranda: | ||
| Average total assets | $79,211,000 | 4,784 |
| Average earning assets | $73,750,500 | 4,763 |
| Average equity | $10,431,000 | 4,552 |
| Average total loans | $22,970,250 | 5,475 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9552% | 5,683 |
| Cost of funding earning assets | 0.9320% | 245 |
| Net interest margin | 2.0233% | 5,953 |
| Noninterest income to average assets | 0.1329% | 5,649 |
| Noninterest expense to average assets | 1.1986% | 5,973 |
| Loan and lease loss provision to assets | 0.7523% | 143 |
| Net operating income to assets | 0.0486% | 5,726 |
| Return on assets (ROA) | 0.0928% | 5,718 |
| Pretax return on assets | 0.1153% | 5,710 |
| Return on Equity (ROE) | 0.7164% | 5,723 |
| Retained earnings to average equity (ytd only) | -5.9632% | 5,786 |
| Net charge-offs to loans | -0.0955% | 5,600 |
| Credit loss provision to net charge-offs | -2,727.2727% | 5,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6010% | 4,695 |
| Assets per employee ($millions) | 5.1535% | 2,137 |
| Cash dividends to net income (ytd only)* | 932.4324% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9622% | 84 |
| Loan loss allowance to noncurrent loans | 59.1689% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 2.3945% | 603 |
| Noncurrent loans to loans | 6.6964% | 95 |
| Net loans and leases to total assets | 28.1257% | 5,821 |
| Net loans and leases to deposits | 39.1649% | 5,714 |
| Net loans and leases to core deposits | 45.8296% | 5,572 |
| Total domestic deposits to total assets | 71.8135% | 5,678 |
| Equity capital to assets | 13.6204% | 1,174 |
| Core capital (leverage) ratio | 12.8565% | 1,212 |
| Tier 1 risk-based capital ratio | 36.7501% | 293 |
| Total risk-based capital ratio | 38.0237% | 289 |
| Memoranda: | ||
| Average total assets | $79,758,670 | 4,821 |
| Average earning assets | $74,038,000 | 4,800 |
| Average equity | $10,330,000 | 4,596 |
| Average total loans | $23,037,670 | 5,538 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9435% | 5,742 |
| Cost of funding earning assets | 0.9402% | 235 |
| Net interest margin | 2.0033% | 6,016 |
| Noninterest income to average assets | 0.1679% | 5,484 |
| Noninterest expense to average assets | 1.1755% | 6,036 |
| Loan and lease loss provision to assets | 1.4817% | 59 |
| Net operating income to assets | -0.6816% | 5,998 |
| Return on assets (ROA) | -0.6223% | 5,994 |
| Pretax return on assets | -0.5779% | 5,980 |
| Return on Equity (ROE) | -4.9264% | 5,970 |
| Retained earnings to average equity (ytd only) | -16.0696% | 5,920 |
| Net charge-offs to loans | -0.1377% | 5,749 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1907% | 4,971 |
| Assets per employee ($millions) | 5.3523% | 1,980 |
| Cash dividends to net income (ytd only)* | -226.1905% | 6,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8971% | 99 |
| Loan loss allowance to noncurrent loans | 59.6796% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 2.8760% | 455 |
| Noncurrent loans to loans | 6.5301% | 121 |
| Net loans and leases to total assets | 27.4600% | 5,887 |
| Net loans and leases to deposits | 37.4804% | 5,796 |
| Net loans and leases to core deposits | 44.6773% | 5,633 |
| Total domestic deposits to total assets | 73.2649% | 5,670 |
| Equity capital to assets | 12.6750% | 1,573 |
| Core capital (leverage) ratio | 12.5265% | 1,330 |
| Tier 1 risk-based capital ratio | 34.7999% | 340 |
| Total risk-based capital ratio | 36.0738% | 335 |
| Memoranda: | ||
| Average total assets | $80,986,500 | 4,838 |
| Average earning assets | $74,878,000 | 4,827 |
| Average equity | $10,230,500 | 4,626 |
| Average total loans | $23,237,000 | 5,575 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2873% | 5,365 |
| Cost of funding earning assets | 0.9701% | 199 |
| Net interest margin | 2.3171% | 5,937 |
| Noninterest income to average assets | 0.1503% | 5,662 |
| Noninterest expense to average assets | 1.3729% | 6,045 |
| Loan and lease loss provision to assets | 0.1939% | 1,133 |
| Net operating income to assets | 0.7069% | 3,776 |
| Return on assets (ROA) | 0.8349% | 3,253 |
| Pretax return on assets | 0.8700% | 3,954 |
| Return on Equity (ROE) | 6.7516% | 3,651 |
| Retained earnings to average equity (ytd only) | 3.7629% | 3,365 |
| Net charge-offs to loans | 0.5328% | 482 |
| Credit loss provision to net charge-offs | 104.5752% | 2,401 |
| Earnings coverage of net charge-offs (x) | 5.0196% | 3,446 |
| Efficiency ratio | 59.6002% | 4,963 |
| Assets per employee ($millions) | 5.1056% | 2,233 |
| Cash dividends to net income (ytd only)* | 44.2671% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4900% | 399 |
| Loan loss allowance to noncurrent loans | 38.8594% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 2.9355% | 453 |
| Noncurrent loans to loans | 6.4078% | 123 |
| Net loans and leases to total assets | 28.0919% | 5,941 |
| Net loans and leases to deposits | 38.1729% | 5,833 |
| Net loans and leases to core deposits | 45.3151% | 5,674 |
| Total domestic deposits to total assets | 73.5913% | 5,682 |
| Equity capital to assets | 12.5904% | 1,574 |
| Core capital (leverage) ratio | 12.8672% | 1,199 |
| Tier 1 risk-based capital ratio | 34.0215% | 364 |
| Total risk-based capital ratio | 35.2798% | 356 |
| Memoranda: | ||
| Average total assets | $82,524,800 | 4,816 |
| Average earning assets | $76,689,400 | 4,793 |
| Average equity | $10,205,000 | 4,620 |
| Average total loans | $28,718,000 | 5,413 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3330% | 5,353 |
| Cost of funding earning assets | 0.9767% | 201 |
| Net interest margin | 2.3563% | 6,001 |
| Noninterest income to average assets | 0.1257% | 5,845 |
| Noninterest expense to average assets | 1.3489% | 6,125 |
| Loan and lease loss provision to assets | 0.2579% | 653 |
| Net operating income to assets | 0.6753% | 4,009 |
| Return on assets (ROA) | 0.8283% | 3,374 |
| Pretax return on assets | 0.8783% | 4,056 |
| Return on Equity (ROE) | 6.7287% | 3,767 |
| Retained earnings to average equity (ytd only) | 3.5215% | 3,962 |
| Net charge-offs to loans | 0.6664% | 327 |
| Credit loss provision to net charge-offs | 106.6667% | 2,159 |
| Earnings coverage of net charge-offs (x) | 4.0266% | 3,412 |
| Efficiency ratio | 58.0847% | 5,112 |
| Assets per employee ($millions) | 5.1088% | 2,166 |
| Cash dividends to net income (ytd only)* | 47.6653% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3833% | 513 |
| Loan loss allowance to noncurrent loans | 36.9743% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 3.1282% | 468 |
| Noncurrent loans to loans | 6.4457% | 114 |
| Net loans and leases to total assets | 29.5140% | 5,990 |
| Net loans and leases to deposits | 40.1461% | 5,858 |
| Net loans and leases to core deposits | 48.1470% | 5,649 |
| Total domestic deposits to total assets | 73.5164% | 5,750 |
| Equity capital to assets | 12.6473% | 1,655 |
| Core capital (leverage) ratio | 12.6787% | 1,331 |
| Tier 1 risk-based capital ratio | 32.6406% | 428 |
| Total risk-based capital ratio | 33.8989% | 419 |
| Memoranda: | ||
| Average total assets | $82,733,750 | 4,873 |
| Average earning assets | $77,126,000 | 4,843 |
| Average equity | $10,185,000 | 4,681 |
| Average total loans | $30,014,000 | 5,424 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4149% | 5,194 |
| Cost of funding earning assets | 0.9963% | 183 |
| Net interest margin | 2.4186% | 6,030 |
| Noninterest income to average assets | 0.1493% | 5,817 |
| Noninterest expense to average assets | 1.3580% | 6,194 |
| Loan and lease loss provision to assets | 0.3612% | 357 |
| Net operating income to assets | 0.6464% | 4,135 |
| Return on assets (ROA) | 0.7777% | 3,604 |
| Pretax return on assets | 0.8259% | 4,223 |
| Return on Equity (ROE) | 6.3746% | 3,947 |
| Retained earnings to average equity (ytd only) | 2.7235% | 4,327 |
| Net charge-offs to loans | 0.5475% | 448 |
| Credit loss provision to net charge-offs | 172.4138% | 1,389 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,970 |
| Efficiency ratio | 56.4565% | 5,386 |
| Assets per employee ($millions) | 5.0624% | 2,190 |
| Cash dividends to net income (ytd only)* | 57.2755% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2641% | 667 |
| Loan loss allowance to noncurrent loans | 32.5393% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 4.1001% | 318 |
| Noncurrent loans to loans | 6.9580% | 119 |
| Net loans and leases to total assets | 34.2157% | 5,901 |
| Net loans and leases to deposits | 46.3670% | 5,658 |
| Net loans and leases to core deposits | 55.0034% | 5,370 |
| Total domestic deposits to total assets | 73.7932% | 5,809 |
| Equity capital to assets | 12.2966% | 1,802 |
| Core capital (leverage) ratio | 12.3789% | 1,443 |
| Tier 1 risk-based capital ratio | 28.1500% | 630 |
| Total risk-based capital ratio | 29.4061% | 625 |
| Memoranda: | ||
| Average total assets | $83,064,670 | 4,916 |
| Average earning assets | $77,483,000 | 4,881 |
| Average equity | $10,134,000 | 4,719 |
| Average total loans | $31,780,670 | 5,407 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4338% | 5,134 |
| Cost of funding earning assets | 1.0051% | 177 |
| Net interest margin | 2.4287% | 6,081 |
| Noninterest income to average assets | 0.1474% | 5,856 |
| Noninterest expense to average assets | 1.2509% | 6,302 |
| Loan and lease loss provision to assets | 0.3567% | 359 |
| Net operating income to assets | 0.7594% | 3,492 |
| Return on assets (ROA) | 0.8181% | 3,295 |
| Pretax return on assets | 0.8657% | 4,005 |
| Return on Equity (ROE) | 6.7312% | 3,641 |
| Retained earnings to average equity (ytd only) | 4.3831% | 3,389 |
| Net charge-offs to loans | -0.0836% | 5,774 |
| Credit loss provision to net charge-offs | -1,071.4286% | 4,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8738% | 5,817 |
| Assets per employee ($millions) | 5.2446% | 2,060 |
| Cash dividends to net income (ytd only)* | 34.8837% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9864% | 1,109 |
| Loan loss allowance to noncurrent loans | 30.1002% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 4.2567% | 333 |
| Noncurrent loans to loans | 6.5994% | 149 |
| Net loans and leases to total assets | 38.8672% | 5,671 |
| Net loans and leases to deposits | 52.4289% | 5,307 |
| Net loans and leases to core deposits | 63.3953% | 4,749 |
| Total domestic deposits to total assets | 74.1330% | 5,893 |
| Equity capital to assets | 12.4115% | 1,745 |
| Core capital (leverage) ratio | 12.1559% | 1,544 |
| Tier 1 risk-based capital ratio | 24.9108% | 894 |
| Total risk-based capital ratio | 26.1643% | 877 |
| Memoranda: | ||
| Average total assets | $84,098,000 | 4,937 |
| Average earning assets | $78,396,500 | 4,910 |
| Average equity | $10,221,000 | 4,732 |
| Average total loans | $33,493,000 | 5,387 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0854% | 3,383 |
| Cost of funding earning assets | 1.1275% | 116 |
| Net interest margin | 2.9579% | 5,535 |
| Noninterest income to average assets | 0.1783% | 5,786 |
| Noninterest expense to average assets | 1.6833% | 6,170 |
| Loan and lease loss provision to assets | 0.3948% | 451 |
| Net operating income to assets | 0.7806% | 3,468 |
| Return on assets (ROA) | 0.7705% | 3,619 |
| Pretax return on assets | 0.8231% | 4,179 |
| Return on Equity (ROE) | 6.6979% | 3,790 |
| Retained earnings to average equity (ytd only) | 4.0562% | 3,320 |
| Net charge-offs to loans | 1.0065% | 301 |
| Credit loss provision to net charge-offs | 76.2125% | 2,942 |
| Earnings coverage of net charge-offs (x) | 2.3718% | 4,171 |
| Efficiency ratio | 57.8061% | 5,479 |
| Assets per employee ($millions) | 5.2676% | 1,997 |
| Cash dividends to net income (ytd only)* | 39.4410% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 1,731 |
| Loan loss allowance to noncurrent loans | 23.6230% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 4.1943% | 391 |
| Noncurrent loans to loans | 7.2708% | 135 |
| Net loans and leases to total assets | 39.3097% | 5,785 |
| Net loans and leases to deposits | 52.6265% | 5,435 |
| Net loans and leases to core deposits | 63.4754% | 4,874 |
| Total domestic deposits to total assets | 74.6957% | 5,890 |
| Equity capital to assets | 11.8970% | 2,085 |
| Core capital (leverage) ratio | 12.1206% | 1,551 |
| Tier 1 risk-based capital ratio | 24.1458% | 937 |
| Total risk-based capital ratio | 25.3981% | 914 |
| Memoranda: | ||
| Average total assets | $83,584,200 | 4,969 |
| Average earning assets | $77,250,000 | 4,948 |
| Average equity | $9,615,000 | 4,838 |
| Average total loans | $43,018,600 | 5,070 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2042% | 2,974 |
| Cost of funding earning assets | 1.1658% | 99 |
| Net interest margin | 3.0384% | 5,410 |
| Noninterest income to average assets | 0.2270% | 5,573 |
| Noninterest expense to average assets | 1.7392% | 6,168 |
| Loan and lease loss provision to assets | 0.2318% | 951 |
| Net operating income to assets | 0.9934% | 2,477 |
| Return on assets (ROA) | 0.9799% | 2,615 |
| Pretax return on assets | 1.0454% | 3,401 |
| Return on Equity (ROE) | 8.5924% | 2,908 |
| Retained earnings to average equity (ytd only) | 5.8731% | 2,483 |
| Net charge-offs to loans | 0.1529% | 2,265 |
| Credit loss provision to net charge-offs | 278.8462% | 962 |
| Earnings coverage of net charge-offs (x) | 15.5389% | 2,042 |
| Efficiency ratio | 57.3840% | 5,525 |
| Assets per employee ($millions) | 4.8219% | 2,490 |
| Cash dividends to net income (ytd only)* | 31.6477% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 1,455 |
| Loan loss allowance to noncurrent loans | 30.6203% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 4.7540% | 375 |
| Noncurrent loans to loans | 6.1981% | 221 |
| Net loans and leases to total assets | 48.8697% | 5,122 |
| Net loans and leases to deposits | 63.8610% | 4,557 |
| Net loans and leases to core deposits | 79.4164% | 3,385 |
| Total domestic deposits to total assets | 76.5252% | 5,751 |
| Equity capital to assets | 12.0759% | 1,993 |
| Core capital (leverage) ratio | 12.2736% | 1,531 |
| Tier 1 risk-based capital ratio | 23.1574% | 1,095 |
| Total risk-based capital ratio | 24.4148% | 1,078 |
| Memoranda: | ||
| Average total assets | $83,409,750 | 5,030 |
| Average earning assets | $76,969,250 | 5,011 |
| Average equity | $9,512,000 | 4,899 |
| Average total loans | $45,345,750 | 5,031 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5347% | 1,720 |
| Cost of funding earning assets | 1.2087% | 88 |
| Net interest margin | 3.3260% | 4,481 |
| Noninterest income to average assets | 0.2599% | 5,338 |
| Noninterest expense to average assets | 1.7642% | 6,190 |
| Loan and lease loss provision to assets | 0.2623% | 804 |
| Net operating income to assets | 1.2241% | 1,516 |
| Return on assets (ROA) | 1.2040% | 1,643 |
| Pretax return on assets | 1.2755% | 2,349 |
| Return on Equity (ROE) | 10.7641% | 1,823 |
| Retained earnings to average equity (ytd only) | 7.9079% | 1,360 |
| Net charge-offs to loans | 0.2561% | 1,529 |
| Credit loss provision to net charge-offs | 183.3333% | 1,254 |
| Earnings coverage of net charge-offs (x) | 10.9000% | 2,198 |
| Efficiency ratio | 53.0846% | 5,988 |
| Assets per employee ($millions) | 4.8938% | 2,351 |
| Cash dividends to net income (ytd only)* | 26.5347% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7474% | 1,984 |
| Loan loss allowance to noncurrent loans | 28.6497% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 4.7130% | 400 |
| Noncurrent loans to loans | 6.0993% | 250 |
| Net loans and leases to total assets | 49.4717% | 5,017 |
| Net loans and leases to deposits | 64.2592% | 4,474 |
| Net loans and leases to core deposits | 79.5124% | 3,262 |
| Total domestic deposits to total assets | 76.9878% | 5,803 |
| Equity capital to assets | 11.7784% | 2,183 |
| Core capital (leverage) ratio | 11.9787% | 1,663 |
| Tier 1 risk-based capital ratio | 22.3453% | 1,212 |
| Total risk-based capital ratio | 23.5997% | 1,191 |
| Memoranda: | ||
| Average total assets | $83,888,670 | 5,067 |
| Average earning assets | $77,270,670 | 5,037 |
| Average equity | $9,383,000 | 4,939 |
| Average total loans | $46,849,330 | 5,004 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5838% | 1,542 |
| Cost of funding earning assets | 1.2313% | 84 |
| Net interest margin | 3.3525% | 4,327 |
| Noninterest income to average assets | 0.1615% | 6,005 |
| Noninterest expense to average assets | 1.7475% | 6,283 |
| Loan and lease loss provision to assets | 0.2374% | 931 |
| Net operating income to assets | 1.1729% | 1,559 |
| Return on assets (ROA) | 1.1729% | 1,625 |
| Pretax return on assets | 1.2536% | 2,270 |
| Return on Equity (ROE) | 10.7684% | 1,773 |
| Retained earnings to average equity (ytd only) | 4.9264% | 3,155 |
| Net charge-offs to loans | 0.2676% | 1,273 |
| Credit loss provision to net charge-offs | 151.5152% | 1,247 |
| Earnings coverage of net charge-offs (x) | 9.5152% | 1,930 |
| Efficiency ratio | 53.9589% | 6,012 |
| Assets per employee ($millions) | 4.9352% | 2,328 |
| Cash dividends to net income (ytd only)* | 54.2510% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 3,462 |
| Loan loss allowance to noncurrent loans | 37.6211% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 3.7724% | 662 |
| Noncurrent loans to loans | 3.8016% | 736 |
| Net loans and leases to total assets | 57.4202% | 3,936 |
| Net loans and leases to deposits | 75.3370% | 2,894 |
| Net loans and leases to core deposits | 93.2558% | 1,613 |
| Total domestic deposits to total assets | 76.2178% | 6,057 |
| Equity capital to assets | 11.1348% | 2,589 |
| Core capital (leverage) ratio | 11.6678% | 1,852 |
| Tier 1 risk-based capital ratio | 19.2580% | 1,889 |
| Total risk-based capital ratio | 20.5085% | 1,859 |
| Memoranda: | ||
| Average total assets | $84,235,500 | 5,110 |
| Average earning assets | $77,316,500 | 5,082 |
| Average equity | $9,175,000 | 5,006 |
| Average total loans | $49,329,000 | 4,955 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8253% | 1,265 |
| Cost of funding earning assets | 1.3912% | 75 |
| Net interest margin | 3.4341% | 4,152 |
| Noninterest income to average assets | -0.0186% | 6,679 |
| Noninterest expense to average assets | 1.8648% | 6,237 |
| Loan and lease loss provision to assets | 0.3017% | 1,115 |
| Net operating income to assets | 0.9260% | 2,660 |
| Return on assets (ROA) | 0.9260% | 2,745 |
| Pretax return on assets | 0.9829% | 3,424 |
| Return on Equity (ROE) | 8.6332% | 2,733 |
| Retained earnings to average equity (ytd only) | 0.1947% | 5,760 |
| Net charge-offs to loans | 0.6233% | 1,053 |
| Credit loss provision to net charge-offs | 79.0274% | 3,071 |
| Earnings coverage of net charge-offs (x) | 3.3647% | 3,874 |
| Efficiency ratio | 59.2115% | 5,574 |
| Assets per employee ($millions) | 4.9748% | 2,207 |
| Cash dividends to net income (ytd only)* | 97.7444% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 3,798 |
| Loan loss allowance to noncurrent loans | 36.1996% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 3.7731% | 733 |
| Noncurrent loans to loans | 3.7843% | 784 |
| Net loans and leases to total assets | 58.0594% | 4,026 |
| Net loans and leases to deposits | 75.0623% | 3,089 |
| Net loans and leases to core deposits | 92.7170% | 1,701 |
| Total domestic deposits to total assets | 77.3483% | 5,927 |
| Equity capital to assets | 10.6513% | 2,976 |
| Core capital (leverage) ratio | 11.2823% | 2,136 |
| Tier 1 risk-based capital ratio | 18.6317% | 2,038 |
| Total risk-based capital ratio | 19.8828% | 2,001 |
| Memoranda: | ||
| Average total assets | $86,174,400 | 5,077 |
| Average earning assets | $79,497,800 | 5,050 |
| Average equity | $9,243,400 | 5,033 |
| Average total loans | $52,786,000 | 4,855 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9869% | 965 |
| Cost of funding earning assets | 1.4108% | 74 |
| Net interest margin | 3.5761% | 3,551 |
| Noninterest income to average assets | -0.0708% | 6,797 |
| Noninterest expense to average assets | 1.8850% | 6,208 |
| Loan and lease loss provision to assets | 0.3542% | 899 |
| Net operating income to assets | 0.9256% | 2,710 |
| Return on assets (ROA) | 0.9256% | 2,822 |
| Pretax return on assets | 0.9887% | 3,546 |
| Return on Equity (ROE) | 8.6142% | 2,829 |
| Retained earnings to average equity (ytd only) | -1.6196% | 6,217 |
| Net charge-offs to loans | 0.4284% | 1,494 |
| Credit loss provision to net charge-offs | 133.7209% | 1,762 |
| Earnings coverage of net charge-offs (x) | 5.0697% | 3,288 |
| Efficiency ratio | 58.3969% | 5,640 |
| Assets per employee ($millions) | 5.0770% | 2,080 |
| Cash dividends to net income (ytd only)* | 118.8030% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6810% | 2,694 |
| Loan loss allowance to noncurrent loans | 40.0297% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 4.0181% | 772 |
| Noncurrent loans to loans | 4.1995% | 823 |
| Net loans and leases to total assets | 54.8216% | 4,480 |
| Net loans and leases to deposits | 70.4537% | 3,718 |
| Net loans and leases to core deposits | 91.4584% | 1,823 |
| Total domestic deposits to total assets | 77.8123% | 5,928 |
| Equity capital to assets | 10.4624% | 3,323 |
| Core capital (leverage) ratio | 10.8758% | 2,596 |
| Tier 1 risk-based capital ratio | 18.6889% | 2,082 |
| Total risk-based capital ratio | 19.9432% | 2,052 |
| Memoranda: | ||
| Average total assets | $86,575,000 | 5,110 |
| Average earning assets | $79,860,500 | 5,092 |
| Average equity | $9,302,250 | 5,069 |
| Average total loans | $53,536,500 | 4,872 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8123% | 1,304 |
| Cost of funding earning assets | 1.3821% | 93 |
| Net interest margin | 3.4303% | 4,074 |
| Noninterest income to average assets | 0.0785% | 6,594 |
| Noninterest expense to average assets | 1.8808% | 6,257 |
| Loan and lease loss provision to assets | 0.4154% | 733 |
| Net operating income to assets | 0.9023% | 2,779 |
| Return on assets (ROA) | 0.9023% | 2,924 |
| Pretax return on assets | 0.9554% | 3,694 |
| Return on Equity (ROE) | 8.3253% | 2,933 |
| Retained earnings to average equity (ytd only) | -5.5147% | 6,487 |
| Net charge-offs to loans | 0.6325% | 1,043 |
| Credit loss provision to net charge-offs | 102.8571% | 2,153 |
| Earnings coverage of net charge-offs (x) | 3.3943% | 3,399 |
| Efficiency ratio | 57.8424% | 5,757 |
| Assets per employee ($millions) | 5.1229% | 1,965 |
| Cash dividends to net income (ytd only)* | 166.2404% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 4,556 |
| Loan loss allowance to noncurrent loans | 42.5676% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 3.9098% | 906 |
| Noncurrent loans to loans | 3.0329% | 1,464 |
| Net loans and leases to total assets | 66.3700% | 2,527 |
| Net loans and leases to deposits | 86.3952% | 1,535 |
| Net loans and leases to core deposits | 112.2807% | 479 |
| Total domestic deposits to total assets | 76.8214% | 6,144 |
| Equity capital to assets | 10.3561% | 3,483 |
| Core capital (leverage) ratio | 10.8160% | 2,540 |
| Tier 1 risk-based capital ratio | 15.8972% | 3,259 |
| Total risk-based capital ratio | 17.1466% | 3,205 |
| Memoranda: | ||
| Average total assets | $86,663,670 | 5,136 |
| Average earning assets | $80,169,000 | 5,114 |
| Average equity | $9,393,000 | 5,084 |
| Average total loans | $55,340,330 | 4,837 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6450% | 1,691 |
| Cost of funding earning assets | 1.3157% | 144 |
| Net interest margin | 3.3294% | 4,404 |
| Noninterest income to average assets | 0.1249% | 6,475 |
| Noninterest expense to average assets | 1.9757% | 6,153 |
| Loan and lease loss provision to assets | 0.4627% | 605 |
| Net operating income to assets | 0.6709% | 3,841 |
| Return on assets (ROA) | 0.6709% | 3,998 |
| Pretax return on assets | 0.7542% | 4,357 |
| Return on Equity (ROE) | 6.0543% | 4,019 |
| Retained earnings to average equity (ytd only) | -21.0856% | 6,842 |
| Net charge-offs to loans | 0.2531% | 1,941 |
| Credit loss provision to net charge-offs | 294.1176% | 817 |
| Earnings coverage of net charge-offs (x) | 7.7353% | 2,027 |
| Efficiency ratio | 61.8841% | 5,318 |
| Assets per employee ($millions) | 5.0904% | 2,109 |
| Cash dividends to net income (ytd only)* | 448.2759% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 3,830 |
| Loan loss allowance to noncurrent loans | 44.5474% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 4.0919% | 960 |
| Noncurrent loans to loans | 3.3677% | 1,437 |
| Net loans and leases to total assets | 61.9881% | 3,066 |
| Net loans and leases to deposits | 79.9398% | 2,083 |
| Net loans and leases to core deposits | 103.4242% | 745 |
| Total domestic deposits to total assets | 77.5435% | 6,181 |
| Equity capital to assets | 10.7528% | 3,256 |
| Core capital (leverage) ratio | 10.6264% | 2,628 |
| Tier 1 risk-based capital ratio | 16.3825% | 3,074 |
| Total risk-based capital ratio | 17.6349% | 3,017 |
| Memoranda: | ||
| Average total assets | $86,451,000 | 5,185 |
| Average earning assets | $79,655,000 | 5,165 |
| Average equity | $9,580,000 | 5,093 |
| Average total loans | $53,732,000 | 4,924 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2742% | 977 |
| Cost of funding earning assets | 1.5904% | 111 |
| Net interest margin | 3.6838% | 3,724 |
| Noninterest income to average assets | 0.5349% | 3,682 |
| Noninterest expense to average assets | 2.2101% | 5,905 |
| Loan and lease loss provision to assets | 0.4865% | 1,252 |
| Net operating income to assets | 1.1624% | 1,723 |
| Return on assets (ROA) | 1.3516% | 1,317 |
| Pretax return on assets | 1.4132% | 2,000 |
| Return on Equity (ROE) | 11.9008% | 1,534 |
| Retained earnings to average equity (ytd only) | -2.1030% | 6,173 |
| Net charge-offs to loans | 0.9156% | 1,231 |
| Credit loss provision to net charge-offs | 93.0526% | 3,345 |
| Earnings coverage of net charge-offs (x) | 3.2568% | 3,801 |
| Efficiency ratio | 56.4838% | 6,008 |
| Assets per employee ($millions) | 5.0804% | 2,124 |
| Cash dividends to net income (ytd only)* | 117.6710% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 4,089 |
| Loan loss allowance to noncurrent loans | 37.4938% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 3.6160% | 1,242 |
| Noncurrent loans to loans | 3.7789% | 1,283 |
| Net loans and leases to total assets | 60.5030% | 3,514 |
| Net loans and leases to deposits | 77.6769% | 2,576 |
| Net loans and leases to core deposits | 99.5921% | 1,048 |
| Total domestic deposits to total assets | 77.8906% | 6,102 |
| Equity capital to assets | 11.4107% | 2,525 |
| Core capital (leverage) ratio | 10.7633% | 2,476 |
| Tier 1 risk-based capital ratio | 17.9099% | 2,287 |
| Total risk-based capital ratio | 19.1608% | 2,257 |
| Memoranda: | ||
| Average total assets | $90,856,600 | 5,063 |
| Average earning assets | $83,310,800 | 5,036 |
| Average equity | $10,318,600 | 4,912 |
| Average total loans | $51,879,200 | 5,023 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3120% | 989 |
| Cost of funding earning assets | 1.6263% | 113 |
| Net interest margin | 3.6857% | 3,859 |
| Noninterest income to average assets | 0.6538% | 2,973 |
| Noninterest expense to average assets | 2.3121% | 5,653 |
| Loan and lease loss provision to assets | 0.6407% | 827 |
| Net operating income to assets | 1.0335% | 2,353 |
| Return on assets (ROA) | 1.2800% | 1,639 |
| Pretax return on assets | 1.3408% | 2,447 |
| Return on Equity (ROE) | 11.2828% | 1,861 |
| Retained earnings to average equity (ytd only) | 5.5328% | 3,016 |
| Net charge-offs to loans | 0.9173% | 1,184 |
| Credit loss provision to net charge-offs | 124.5070% | 2,322 |
| Earnings coverage of net charge-offs (x) | 3.3465% | 3,681 |
| Efficiency ratio | 57.3123% | 5,883 |
| Assets per employee ($millions) | 5.3365% | 1,801 |
| Cash dividends to net income (ytd only)* | 50.9632% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6513% | 3,324 |
| Loan loss allowance to noncurrent loans | 36.8288% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 3.9197% | 1,242 |
| Noncurrent loans to loans | 4.4838% | 1,052 |
| Net loans and leases to total assets | 57.1808% | 4,260 |
| Net loans and leases to deposits | 73.2449% | 3,405 |
| Net loans and leases to core deposits | 104.9167% | 813 |
| Total domestic deposits to total assets | 78.0679% | 6,060 |
| Equity capital to assets | 11.6423% | 2,605 |
| Core capital (leverage) ratio | 11.3257% | 2,118 |
| Tier 1 risk-based capital ratio | 18.8845% | 2,045 |
| Total risk-based capital ratio | 20.1384% | 2,011 |
| Memoranda: | ||
| Average total assets | $91,979,250 | 5,079 |
| Average earning assets | $84,361,000 | 5,064 |
| Average equity | $10,434,500 | 4,930 |
| Average total loans | $51,597,750 | 5,093 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6606% | 521 |
| Cost of funding earning assets | 1.6808% | 110 |
| Net interest margin | 3.9798% | 2,590 |
| Noninterest income to average assets | 0.8875% | 1,828 |
| Noninterest expense to average assets | 1.8009% | 6,748 |
| Loan and lease loss provision to assets | 0.9567% | 471 |
| Net operating income to assets | 1.7502% | 615 |
| Return on assets (ROA) | 2.1299% | 355 |
| Pretax return on assets | 2.1818% | 502 |
| Return on Equity (ROE) | 18.9376% | 417 |
| Retained earnings to average equity (ytd only) | 13.9530% | 348 |
| Net charge-offs to loans | 1.1754% | 921 |
| Credit loss provision to net charge-offs | 146.8439% | 1,888 |
| Earnings coverage of net charge-offs (x) | 4.2226% | 3,142 |
| Efficiency ratio | 39.5625% | 7,070 |
| Assets per employee ($millions) | 5.3982% | 1,708 |
| Cash dividends to net income (ytd only)* | 26.3211% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9277% | 2,448 |
| Loan loss allowance to noncurrent loans | 86.2873% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 2.4158% | 2,314 |
| Noncurrent loans to loans | 2.2340% | 2,689 |
| Net loans and leases to total assets | 51.2804% | 5,187 |
| Net loans and leases to deposits | 65.5633% | 4,561 |
| Net loans and leases to core deposits | 92.5558% | 1,724 |
| Total domestic deposits to total assets | 78.2151% | 6,116 |
| Equity capital to assets | 11.7239% | 2,390 |
| Core capital (leverage) ratio | 11.5377% | 1,877 |
| Tier 1 risk-based capital ratio | 20.8142% | 1,519 |
| Total risk-based capital ratio | 22.0718% | 1,487 |
| Memoranda: | ||
| Average total assets | $92,398,670 | 5,102 |
| Average earning assets | $85,079,000 | 5,075 |
| Average equity | $10,392,000 | 4,939 |
| Average total loans | $51,215,000 | 5,136 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7123% | 504 |
| Cost of funding earning assets | 1.7659% | 99 |
| Net interest margin | 3.9464% | 2,737 |
| Noninterest income to average assets | 0.2157% | 6,073 |
| Noninterest expense to average assets | 1.6481% | 6,938 |
| Loan and lease loss provision to assets | 0.8931% | 498 |
| Net operating income to assets | 1.3029% | 1,452 |
| Return on assets (ROA) | 1.3029% | 1,621 |
| Pretax return on assets | 1.3288% | 2,432 |
| Return on Equity (ROE) | 11.8333% | 1,722 |
| Retained earnings to average equity (ytd only) | 9.5607% | 1,394 |
| Net charge-offs to loans | 0.9540% | 1,087 |
| Credit loss provision to net charge-offs | 164.2857% | 1,547 |
| Earnings coverage of net charge-offs (x) | 4.0873% | 2,665 |
| Efficiency ratio | 42.5864% | 7,040 |
| Assets per employee ($millions) | 5.4548% | 1,737 |
| Cash dividends to net income (ytd only)* | 19.2053% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6715% | 3,458 |
| Loan loss allowance to noncurrent loans | 51.9520% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 3.0691% | 1,900 |
| Noncurrent loans to loans | 3.2173% | 1,996 |
| Net loans and leases to total assets | 54.8743% | 4,576 |
| Net loans and leases to deposits | 69.6010% | 3,787 |
| Net loans and leases to core deposits | 100.6707% | 947 |
| Total domestic deposits to total assets | 78.8412% | 6,110 |
| Equity capital to assets | 11.1375% | 2,769 |
| Core capital (leverage) ratio | 10.9479% | 2,301 |
| Tier 1 risk-based capital ratio | 18.8351% | 2,038 |
| Total risk-based capital ratio | 20.0885% | 2,002 |
| Memoranda: | ||
| Average total assets | $92,713,000 | 5,135 |
| Average earning assets | $85,849,500 | 5,086 |
| Average equity | $10,208,500 | 4,993 |
| Average total loans | $52,830,000 | 5,110 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5411% | 1,076 |
| Cost of funding earning assets | 1.8993% | 149 |
| Net interest margin | 3.6418% | 4,552 |
| Noninterest income to average assets | 0.1026% | 6,629 |
| Noninterest expense to average assets | 2.4546% | 5,625 |
| Loan and lease loss provision to assets | 0.8059% | 1,214 |
| Net operating income to assets | 0.2181% | 5,533 |
| Return on assets (ROA) | 0.3382% | 5,270 |
| Pretax return on assets | 0.3576% | 5,410 |
| Return on Equity (ROE) | 3.3387% | 5,145 |
| Retained earnings to average equity (ytd only) | 2.7200% | 4,302 |
| Net charge-offs to loans | 1.0371% | 1,674 |
| Credit loss provision to net charge-offs | 132.0354% | 2,306 |
| Earnings coverage of net charge-offs (x) | 1.6991% | 4,500 |
| Efficiency ratio | 70.2970% | 3,889 |
| Assets per employee ($millions) | 5.4526% | 1,692 |
| Cash dividends to net income (ytd only)* | 18.5304% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 4,214 |
| Loan loss allowance to noncurrent loans | 52.1623% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 2.1447% | 2,793 |
| Noncurrent loans to loans | 2.7880% | 2,350 |
| Net loans and leases to total assets | 57.3122% | 4,496 |
| Net loans and leases to deposits | 72.3557% | 3,752 |
| Net loans and leases to core deposits | 180.1031% | 80 |
| Total domestic deposits to total assets | 79.2090% | 5,942 |
| Equity capital to assets | 10.8842% | 3,098 |
| Core capital (leverage) ratio | 10.7686% | 2,460 |
| Tier 1 risk-based capital ratio | 17.9346% | 2,212 |
| Total risk-based capital ratio | 19.1865% | 2,187 |
| Memoranda: | ||
| Average total assets | $92,562,000 | 5,111 |
| Average earning assets | $86,138,200 | 5,054 |
| Average equity | $9,375,000 | 5,193 |
| Average total loans | $54,476,600 | 5,096 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4098% | 1,485 |
| Cost of funding earning assets | 1.9240% | 160 |
| Net interest margin | 3.4858% | 5,242 |
| Noninterest income to average assets | 0.0548% | 6,940 |
| Noninterest expense to average assets | 2.6686% | 4,845 |
| Loan and lease loss provision to assets | 0.6845% | 1,412 |
| Net operating income to assets | -0.0405% | 6,204 |
| Return on assets (ROA) | 0.0893% | 6,104 |
| Pretax return on assets | 0.1153% | 6,065 |
| Return on Equity (ROE) | 0.8988% | 6,086 |
| Retained earnings to average equity (ytd only) | 0.8988% | 5,646 |
| Net charge-offs to loans | 0.8544% | 1,859 |
| Credit loss provision to net charge-offs | 135.7143% | 2,353 |
| Earnings coverage of net charge-offs (x) | 1.2514% | 4,678 |
| Efficiency ratio | 80.8734% | 2,131 |
| Assets per employee ($millions) | 5.4278% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 4,582 |
| Loan loss allowance to noncurrent loans | 39.4794% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 2.6519% | 2,440 |
| Noncurrent loans to loans | 3.5342% | 1,946 |
| Net loans and leases to total assets | 55.7563% | 4,879 |
| Net loans and leases to deposits | 68.5690% | 4,511 |
| Net loans and leases to core deposits | 200.5457% | 66 |
| Total domestic deposits to total assets | 81.3141% | 5,329 |
| Equity capital to assets | 10.8255% | 3,327 |
| Core capital (leverage) ratio | 10.5244% | 2,844 |
| Tier 1 risk-based capital ratio | 17.9616% | 2,271 |
| Total risk-based capital ratio | 19.2127% | 2,232 |
| Memoranda: | ||
| Average total assets | $92,529,000 | 5,152 |
| Average earning assets | $86,137,250 | 5,085 |
| Average equity | $9,196,500 | 5,260 |
| Average total loans | $54,618,500 | 5,133 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5963% | 1,079 |
| Cost of funding earning assets | 1.9452% | 173 |
| Net interest margin | 3.6511% | 4,518 |
| Noninterest income to average assets | -0.0389% | 7,246 |
| Noninterest expense to average assets | 2.9650% | 3,776 |
| Loan and lease loss provision to assets | 0.7342% | 1,269 |
| Net operating income to assets | -0.3758% | 6,597 |
| Return on assets (ROA) | -0.1987% | 6,507 |
| Pretax return on assets | -0.1684% | 6,426 |
| Return on Equity (ROE) | -2.0599% | 6,522 |
| Retained earnings to average equity (ytd only) | -2.0599% | 6,260 |
| Net charge-offs to loans | 1.2411% | 1,258 |
| Credit loss provision to net charge-offs | 98.8372% | 3,196 |
| Earnings coverage of net charge-offs (x) | 0.5233% | 4,916 |
| Efficiency ratio | 88.4095% | 1,371 |
| Assets per employee ($millions) | 5.3922% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 5,698 |
| Loan loss allowance to noncurrent loans | 43.5320% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 2.2167% | 2,957 |
| Noncurrent loans to loans | 2.6732% | 2,723 |
| Net loans and leases to total assets | 55.4981% | 5,066 |
| Net loans and leases to deposits | 67.7282% | 4,752 |
| Net loans and leases to core deposits | 101.4659% | 1,214 |
| Total domestic deposits to total assets | 81.9424% | 5,190 |
| Equity capital to assets | 10.1780% | 3,908 |
| Core capital (leverage) ratio | 10.3946% | 2,835 |
| Tier 1 risk-based capital ratio | 17.8052% | 2,238 |
| Total risk-based capital ratio | 18.9235% | 2,246 |
| Memoranda: | ||
| Average total assets | $92,614,330 | 5,183 |
| Average earning assets | $86,057,330 | 5,126 |
| Average equity | $8,932,330 | 5,344 |
| Average total loans | $55,432,670 | 5,153 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9316% | 3,410 |
| Cost of funding earning assets | 1.9653% | 187 |
| Net interest margin | 2.9664% | 6,647 |
| Noninterest income to average assets | -0.2793% | 7,452 |
| Noninterest expense to average assets | 4.0349% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.5899% | 7,219 |
| Return on assets (ROA) | -1.5426% | 7,214 |
| Pretax return on assets | -1.5040% | 7,162 |
| Return on Equity (ROE) | -16.4424% | 7,170 |
| Retained earnings to average equity (ytd only) | -16.4424% | 7,075 |
| Net charge-offs to loans | -1.8184% | 7,509 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.4567% | 118 |
| Assets per employee ($millions) | 5.4009% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 4,162 |
| Loan loss allowance to noncurrent loans | 16.7930% | 6,871 |
| Noncurrent assets plus other real estate owned to assets | 6.5740% | 841 |
| Noncurrent loans to loans | 8.9897% | 496 |
| Net loans and leases to total assets | 61.3923% | 3,989 |
| Net loans and leases to deposits | 74.3553% | 3,708 |
| Net loans and leases to core deposits | 110.4540% | 698 |
| Total domestic deposits to total assets | 82.5662% | 5,080 |
| Equity capital to assets | 9.4504% | 4,501 |
| Core capital (leverage) ratio | 10.0236% | 3,117 |
| Tier 1 risk-based capital ratio | 15.6300% | 3,086 |
| Total risk-based capital ratio | 16.8848% | 3,042 |
| Memoranda: | ||
| Average total assets | $93,087,500 | 5,204 |
| Average earning assets | $86,705,500 | 5,134 |
| Average equity | $8,733,500 | 5,399 |
| Average total loans | $57,412,500 | 5,115 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8550% | 5,213 |
| Cost of funding earning assets | 2.1807% | 324 |
| Net interest margin | 2.6743% | 7,140 |
| Noninterest income to average assets | 0.2590% | 5,948 |
| Noninterest expense to average assets | 1.6427% | 7,378 |
| Loan and lease loss provision to assets | 0.9064% | 1,804 |
| Net operating income to assets | 0.2364% | 5,152 |
| Return on assets (ROA) | 0.3307% | 4,984 |
| Pretax return on assets | 0.3328% | 5,136 |
| Return on Equity (ROE) | 3.2875% | 4,828 |
| Retained earnings to average equity (ytd only) | 3.2875% | 3,569 |
| Net charge-offs to loans | 1.8154% | 1,161 |
| Credit loss provision to net charge-offs | 76.7906% | 5,670 |
| Earnings coverage of net charge-offs (x) | 0.9692% | 5,140 |
| Efficiency ratio | 58.9478% | 6,207 |
| Assets per employee ($millions) | 5.5505% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 6,166 |
| Loan loss allowance to noncurrent loans | 15.4655% | 6,968 |
| Noncurrent assets plus other real estate owned to assets | 5.8903% | 1,024 |
| Noncurrent loans to loans | 6.7699% | 850 |
| Net loans and leases to total assets | 60.3970% | 4,610 |
| Net loans and leases to deposits | 72.8549% | 4,372 |
| Net loans and leases to core deposits | 200.9946% | 82 |
| Total domestic deposits to total assets | 82.9004% | 4,837 |
| Equity capital to assets | 9.3155% | 4,671 |
| Core capital (leverage) ratio | 10.1128% | 2,962 |
| Tier 1 risk-based capital ratio | 15.8174% | 2,832 |
| Total risk-based capital ratio | 16.8079% | 2,934 |
| Memoranda: | ||
| Average total assets | $93,441,600 | 5,179 |
| Average earning assets | $88,321,000 | 5,072 |
| Average equity | $9,399,200 | 5,298 |
| Average total loans | $60,757,200 | 5,041 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8982% | 5,275 |
| Cost of funding earning assets | 2.2045% | 378 |
| Net interest margin | 2.6937% | 7,242 |
| Noninterest income to average assets | 0.1101% | 6,995 |
| Noninterest expense to average assets | 1.6621% | 7,459 |
| Loan and lease loss provision to assets | 1.1257% | 1,288 |
| Net operating income to assets | -0.1545% | 6,253 |
| Return on assets (ROA) | -0.0486% | 6,210 |
| Pretax return on assets | -0.0200% | 6,117 |
| Return on Equity (ROE) | -0.4746% | 6,210 |
| Retained earnings to average equity (ytd only) | -0.4746% | 5,910 |
| Net charge-offs to loans | 2.3894% | 724 |
| Credit loss provision to net charge-offs | 71.3509% | 5,377 |
| Earnings coverage of net charge-offs (x) | 0.6337% | 5,405 |
| Efficiency ratio | 62.4395% | 5,534 |
| Assets per employee ($millions) | 5.6039% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 6,640 |
| Loan loss allowance to noncurrent loans | 13.2149% | 7,115 |
| Noncurrent assets plus other real estate owned to assets | 4.6690% | 1,423 |
| Noncurrent loans to loans | 7.0480% | 795 |
| Net loans and leases to total assets | 60.6271% | 4,794 |
| Net loans and leases to deposits | 73.9403% | 4,523 |
| Net loans and leases to core deposits | 211.2159% | 80 |
| Total domestic deposits to total assets | 81.9946% | 4,994 |
| Equity capital to assets | 10.2796% | 3,794 |
| Core capital (leverage) ratio | 9.7630% | 3,534 |
| Tier 1 risk-based capital ratio | 15.7166% | 2,899 |
| Total risk-based capital ratio | 16.6381% | 3,018 |
| Memoranda: | ||
| Average total assets | $93,212,250 | 5,246 |
| Average earning assets | $88,302,250 | 5,136 |
| Average equity | $9,551,500 | 5,330 |
| Average total loans | $61,548,250 | 5,077 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1162% | 4,368 |
| Cost of funding earning assets | 2.2423% | 408 |
| Net interest margin | 2.8738% | 7,041 |
| Noninterest income to average assets | 0.0043% | 7,514 |
| Noninterest expense to average assets | 1.7098% | 7,497 |
| Loan and lease loss provision to assets | 0.8235% | 1,759 |
| Net operating income to assets | 0.1512% | 5,717 |
| Return on assets (ROA) | 0.1600% | 5,812 |
| Pretax return on assets | 0.1967% | 5,777 |
| Return on Equity (ROE) | 1.5627% | 5,773 |
| Retained earnings to average equity (ytd only) | 1.5627% | 5,076 |
| Net charge-offs to loans | 1.6765% | 1,117 |
| Credit loss provision to net charge-offs | 72.5714% | 4,903 |
| Earnings coverage of net charge-offs (x) | 0.8895% | 4,880 |
| Efficiency ratio | 62.8776% | 5,542 |
| Assets per employee ($millions) | 5.8557% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 5,495 |
| Loan loss allowance to noncurrent loans | 33.0865% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 2.6587% | 2,709 |
| Noncurrent loans to loans | 3.6035% | 2,189 |
| Net loans and leases to total assets | 63.2441% | 4,407 |
| Net loans and leases to deposits | 77.3026% | 4,116 |
| Net loans and leases to core deposits | 244.2859% | 64 |
| Total domestic deposits to total assets | 81.8136% | 5,061 |
| Equity capital to assets | 10.3542% | 3,583 |
| Core capital (leverage) ratio | 10.0610% | 3,101 |
| Tier 1 risk-based capital ratio | 15.4880% | 2,898 |
| Total risk-based capital ratio | 16.6694% | 2,900 |
| Memoranda: | ||
| Average total assets | $92,527,670 | 5,294 |
| Average earning assets | $87,409,000 | 5,198 |
| Average equity | $9,471,000 | 5,348 |
| Average total loans | $62,631,000 | 5,076 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0977% | 4,537 |
| Cost of funding earning assets | 2.2774% | 459 |
| Net interest margin | 2.8203% | 7,153 |
| Noninterest income to average assets | 0.2001% | 6,532 |
| Noninterest expense to average assets | 1.3269% | 7,796 |
| Loan and lease loss provision to assets | 1.6575% | 693 |
| Net operating income to assets | -0.1740% | 6,512 |
| Return on assets (ROA) | -0.1740% | 6,586 |
| Pretax return on assets | -0.1175% | 6,483 |
| Return on Equity (ROE) | -1.7101% | 6,605 |
| Retained earnings to average equity (ytd only) | -1.7101% | 6,159 |
| Net charge-offs to loans | -0.0500% | 7,348 |
| Credit loss provision to net charge-offs | -4,762.5000% | 6,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2822% | 7,537 |
| Assets per employee ($millions) | 5.7458% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9004% | 2,441 |
| Loan loss allowance to noncurrent loans | 36.9231% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 3.7223% | 1,870 |
| Noncurrent loans to loans | 5.1469% | 1,396 |
| Net loans and leases to total assets | 70.0749% | 2,917 |
| Net loans and leases to deposits | 85.6903% | 2,649 |
| Net loans and leases to core deposits | 259.5986% | 65 |
| Total domestic deposits to total assets | 81.7769% | 5,167 |
| Equity capital to assets | 10.2412% | 3,546 |
| Core capital (leverage) ratio | 10.0343% | 3,125 |
| Tier 1 risk-based capital ratio | 14.9767% | 3,123 |
| Total risk-based capital ratio | 16.2365% | 3,082 |
| Memoranda: | ||
| Average total assets | $91,946,000 | 5,387 |
| Average earning assets | $86,940,500 | 5,275 |
| Average equity | $9,356,000 | 5,437 |
| Average total loans | $63,962,000 | 5,084 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8824% | 2,313 |
| Cost of funding earning assets | 2.4675% | 1,098 |
| Net interest margin | 3.4149% | 5,311 |
| Noninterest income to average assets | 0.2702% | 6,187 |
| Noninterest expense to average assets | 2.6783% | 5,489 |
| Loan and lease loss provision to assets | 0.5134% | 3,807 |
| Net operating income to assets | 0.1070% | 5,197 |
| Return on assets (ROA) | -0.0526% | 5,613 |
| Pretax return on assets | 0.0501% | 5,330 |
| Return on Equity (ROE) | -0.4481% | 5,612 |
| Retained earnings to average equity (ytd only) | -4.8350% | 5,999 |
| Net charge-offs to loans | 0.1019% | 6,115 |
| Credit loss provision to net charge-offs | 700.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 11.0833% | 1,628 |
| Efficiency ratio | 76.7157% | 3,405 |
| Assets per employee ($millions) | 5.7474% | 1,422 |
| Cash dividends to net income (ytd only)* | -979.0698% | 7,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 4,339 |
| Loan loss allowance to noncurrent loans | 53.6875% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 1.7867% | 3,690 |
| Noncurrent loans to loans | 2.5701% | 2,987 |
| Net loans and leases to total assets | 66.7634% | 3,976 |
| Net loans and leases to deposits | 81.4884% | 3,698 |
| Net loans and leases to core deposits | 159.5877% | 347 |
| Total domestic deposits to total assets | 81.9300% | 4,984 |
| Equity capital to assets | 10.1099% | 3,606 |
| Core capital (leverage) ratio | 11.6571% | 1,839 |
| Tier 1 risk-based capital ratio | 15.0265% | 2,921 |
| Total risk-based capital ratio | 16.2787% | 2,876 |
| Memoranda: | ||
| Average total assets | $81,806,400 | 5,673 |
| Average earning assets | $77,162,200 | 5,555 |
| Average equity | $9,596,600 | 5,415 |
| Average total loans | $58,909,200 | 5,302 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2299% | 1,295 |
| Cost of funding earning assets | 2.6001% | 1,030 |
| Net interest margin | 3.6298% | 4,371 |
| Noninterest income to average assets | 0.2809% | 6,226 |
| Noninterest expense to average assets | 3.2951% | 2,939 |
| Loan and lease loss provision to assets | 0.1110% | 6,260 |
| Net operating income to assets | 0.1809% | 5,218 |
| Return on assets (ROA) | 0.2304% | 5,136 |
| Pretax return on assets | 0.3734% | 4,868 |
| Return on Equity (ROE) | 1.8886% | 5,208 |
| Retained earnings to average equity (ytd only) | -3.9152% | 6,100 |
| Net charge-offs to loans | 0.1171% | 5,522 |
| Credit loss provision to net charge-offs | 129.4118% | 3,874 |
| Earnings coverage of net charge-offs (x) | 4.7450% | 3,024 |
| Efficiency ratio | 89.0050% | 1,780 |
| Assets per employee ($millions) | 4.7767% | 2,430 |
| Cash dividends to net income (ytd only)* | 307.3032% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 6,807 |
| Loan loss allowance to noncurrent loans | 82.9032% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.8675% | 5,351 |
| Noncurrent loans to loans | 1.0716% | 5,171 |
| Net loans and leases to total assets | 75.0285% | 2,238 |
| Net loans and leases to deposits | 96.5419% | 1,508 |
| Net loans and leases to core deposits | 159.4250% | 392 |
| Total domestic deposits to total assets | 77.7160% | 6,168 |
| Equity capital to assets | 12.5924% | 1,886 |
| Core capital (leverage) ratio | 12.3334% | 1,649 |
| Tier 1 risk-based capital ratio | 17.3551% | 2,166 |
| Total risk-based capital ratio | 18.2975% | 2,209 |
| Memoranda: | ||
| Average total assets | $79,268,250 | 5,793 |
| Average earning assets | $74,713,250 | 5,682 |
| Average equity | $9,671,500 | 5,435 |
| Average total loans | $58,073,000 | 5,377 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1895% | 1,491 |
| Cost of funding earning assets | 2.7152% | 994 |
| Net interest margin | 3.4743% | 4,920 |
| Noninterest income to average assets | 0.2718% | 6,329 |
| Noninterest expense to average assets | 3.3485% | 2,801 |
| Loan and lease loss provision to assets | 0.0873% | 6,295 |
| Net operating income to assets | 0.0005% | 5,831 |
| Return on assets (ROA) | 0.0723% | 5,736 |
| Pretax return on assets | 0.2119% | 5,434 |
| Return on Equity (ROE) | 0.5987% | 5,756 |
| Retained earnings to average equity (ytd only) | -8.0930% | 6,676 |
| Net charge-offs to loans | 0.1720% | 4,507 |
| Credit loss provision to net charge-offs | 70.0000% | 5,416 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 4,411 |
| Efficiency ratio | 94.7109% | 1,460 |
| Assets per employee ($millions) | 4.7554% | 2,392 |
| Cash dividends to net income (ytd only)* | 1,451.7241% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 6,727 |
| Loan loss allowance to noncurrent loans | 79.2144% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.8609% | 5,262 |
| Noncurrent loans to loans | 1.1470% | 4,921 |
| Net loans and leases to total assets | 69.3732% | 3,855 |
| Net loans and leases to deposits | 88.8051% | 3,033 |
| Net loans and leases to core deposits | 142.8486% | 896 |
| Total domestic deposits to total assets | 78.1185% | 6,043 |
| Equity capital to assets | 12.2715% | 2,044 |
| Core capital (leverage) ratio | 11.7517% | 1,952 |
| Tier 1 risk-based capital ratio | 18.2009% | 1,956 |
| Total risk-based capital ratio | 19.1423% | 1,987 |
| Memoranda: | ||
| Average total assets | $80,215,330 | 5,792 |
| Average earning assets | $75,354,000 | 5,696 |
| Average equity | $9,687,330 | 5,462 |
| Average total loans | $58,145,330 | 5,416 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1538% | 1,747 |
| Cost of funding earning assets | 2.7842% | 1,016 |
| Net interest margin | 3.3696% | 5,256 |
| Noninterest income to average assets | 0.2479% | 6,474 |
| Noninterest expense to average assets | 2.3335% | 6,425 |
| Loan and lease loss provision to assets | 0.1702% | 4,765 |
| Net operating income to assets | 0.8119% | 3,079 |
| Return on assets (ROA) | 0.8119% | 3,238 |
| Pretax return on assets | 0.9626% | 3,490 |
| Return on Equity (ROE) | 6.7731% | 3,685 |
| Retained earnings to average equity (ytd only) | -3.5691% | 6,368 |
| Net charge-offs to loans | -0.0330% | 7,581 |
| Credit loss provision to net charge-offs | -700.0000% | 6,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3212% | 5,077 |
| Assets per employee ($millions) | 5.1488% | 1,895 |
| Cash dividends to net income (ytd only)* | 152.6946% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8573% | 6,928 |
| Loan loss allowance to noncurrent loans | 83.4365% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.8376% | 5,092 |
| Noncurrent loans to loans | 1.0275% | 4,937 |
| Net loans and leases to total assets | 75.6631% | 2,353 |
| Net loans and leases to deposits | 95.5939% | 2,012 |
| Net loans and leases to core deposits | 174.5897% | 290 |
| Total domestic deposits to total assets | 79.1505% | 5,668 |
| Equity capital to assets | 11.8340% | 2,361 |
| Core capital (leverage) ratio | 11.6622% | 2,063 |
| Tier 1 risk-based capital ratio | 16.0748% | 2,665 |
| Total risk-based capital ratio | 16.9717% | 2,713 |
| Memoranda: | ||
| Average total assets | $82,279,500 | 5,731 |
| Average earning assets | $78,585,500 | 5,601 |
| Average equity | $9,862,500 | 5,430 |
| Average total loans | $60,584,000 | 5,341 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6717% | 2,144 |
| Cost of funding earning assets | 3.1293% | 1,417 |
| Net interest margin | 3.5424% | 5,133 |
| Noninterest income to average assets | 0.2654% | 6,559 |
| Noninterest expense to average assets | 1.9695% | 7,497 |
| Loan and lease loss provision to assets | 0.2227% | 4,659 |
| Net operating income to assets | 1.2902% | 1,512 |
| Return on assets (ROA) | 1.5401% | 910 |
| Pretax return on assets | 1.7534% | 1,043 |
| Return on Equity (ROE) | 11.8625% | 1,635 |
| Retained earnings to average equity (ytd only) | 0.7087% | 4,807 |
| Net charge-offs to loans | 0.0361% | 6,297 |
| Credit loss provision to net charge-offs | 927.7778% | 479 |
| Earnings coverage of net charge-offs (x) | 70.5000% | 577 |
| Efficiency ratio | 53.7873% | 7,291 |
| Assets per employee ($millions) | 5.1361% | 1,794 |
| Cash dividends to net income (ytd only)* | 94.0260% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 6,870 |
| Loan loss allowance to noncurrent loans | 907.2727% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 7,094 |
| Noncurrent loans to loans | 0.0943% | 7,139 |
| Net loans and leases to total assets | 70.3327% | 3,942 |
| Net loans and leases to deposits | 89.1106% | 3,618 |
| Net loans and leases to core deposits | 194.4228% | 191 |
| Total domestic deposits to total assets | 78.9275% | 5,401 |
| Equity capital to assets | 12.1395% | 2,200 |
| Core capital (leverage) ratio | 11.6164% | 2,181 |
| Tier 1 risk-based capital ratio | 16.8541% | 2,361 |
| Total risk-based capital ratio | 17.7174% | 2,430 |
| Memoranda: | ||
| Average total assets | $74,995,200 | 5,874 |
| Average earning assets | $71,901,000 | 5,740 |
| Average equity | $9,736,600 | 5,500 |
| Average total loans | $49,799,200 | 5,715 |