Home > Citizens State Bank of Hayfield > Performance and Condition Ratios
Citizens State Bank of Hayfield, Performance and Condition Ratios
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7027% | 2,321 |
| Cost of funding earning assets | 0.2723% | 3,068 |
| Net interest margin | 3.4305% | 2,062 |
| Noninterest income to average assets | 0.1440% | 4,479 |
| Noninterest expense to average assets | 2.1922% | 3,115 |
| Loan and lease loss provision to assets | 0.1408% | 864 |
| Net operating income to assets | 1.0624% | 2,672 |
| Return on assets (ROA) | 1.0812% | 2,674 |
| Pretax return on assets | 1.0828% | 3,270 |
| Return on Equity (ROE) | 16.4224% | 875 |
| Retained earnings to average equity (ytd only) | 13.6655% | 605 |
| Net charge-offs to loans | 0.0239% | 1,469 |
| Credit loss provision to net charge-offs | 1,125.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 96.2500% | 771 |
| Efficiency ratio | 64.5325% | 2,354 |
| Assets per employee ($millions) | 5.5103% | 3,112 |
| Cash dividends to net income (ytd only)* | 16.7873% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8310% | 841 |
| Loan loss allowance to noncurrent loans | 59.1026% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.4075% | 431 |
| Noncurrent loans to loans | 3.0980% | 230 |
| Net loans and leases to total assets | 44.6021% | 4,002 |
| Net loans and leases to deposits | 48.0756% | 4,210 |
| Net loans and leases to core deposits | 48.4910% | 4,303 |
| Total domestic deposits to total assets | 92.7750% | 48 |
| Equity capital to assets | 6.2610% | 4,908 |
| Core capital (leverage) ratio | 6.2996% | 4,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6141% | 2,119 |
| Memoranda: | ||
| Average total assets | $127,819,333 | 3,749 |
| Average earning assets | $121,208,333 | 3,717 |
| Average equity | $8,415,333 | 4,380 |
| Average total loans | $66,865,333 | 3,779 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3660% | 3,294 |
| Cost of funding earning assets | 0.2964% | 3,033 |
| Net interest margin | 3.0696% | 3,079 |
| Noninterest income to average assets | 0.1754% | 4,318 |
| Noninterest expense to average assets | 2.3743% | 2,582 |
| Loan and lease loss provision to assets | 0.1462% | 901 |
| Net operating income to assets | 0.5785% | 3,997 |
| Return on assets (ROA) | 0.6106% | 3,977 |
| Pretax return on assets | 0.6139% | 4,171 |
| Return on Equity (ROE) | 8.7335% | 3,124 |
| Retained earnings to average equity (ytd only) | 8.7335% | 2,031 |
| Net charge-offs to loans | 0.0638% | 894 |
| Credit loss provision to net charge-offs | 409.0909% | 645 |
| Earnings coverage of net charge-offs (x) | 20.3636% | 1,248 |
| Efficiency ratio | 76.5445% | 1,082 |
| Assets per employee ($millions) | 4.8735% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 2,960 |
| Loan loss allowance to noncurrent loans | 48.9270% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 1.2872% | 551 |
| Noncurrent loans to loans | 2.4427% | 387 |
| Net loans and leases to total assets | 52.0653% | 3,442 |
| Net loans and leases to deposits | 56.5192% | 3,758 |
| Net loans and leases to core deposits | 57.0544% | 3,907 |
| Total domestic deposits to total assets | 92.1198% | 123 |
| Equity capital to assets | 6.7832% | 4,881 |
| Core capital (leverage) ratio | 6.6768% | 4,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8345% | 2,355 |
| Memoranda: | ||
| Average total assets | $123,150,000 | 3,829 |
| Average earning assets | $117,410,000 | 3,770 |
| Average equity | $8,610,500 | 4,375 |
| Average total loans | $69,003,500 | 3,762 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1598% | 2,255 |
| Cost of funding earning assets | 0.4654% | 3,182 |
| Net interest margin | 3.6944% | 1,818 |
| Noninterest income to average assets | 0.1698% | 4,437 |
| Noninterest expense to average assets | 2.7181% | 2,185 |
| Loan and lease loss provision to assets | 0.7150% | 218 |
| Net operating income to assets | 0.2404% | 4,518 |
| Return on assets (ROA) | 0.2422% | 4,581 |
| Pretax return on assets | 0.2431% | 4,614 |
| Return on Equity (ROE) | 3.1990% | 4,324 |
| Retained earnings to average equity (ytd only) | 1.8769% | 3,880 |
| Net charge-offs to loans | 0.8541% | 162 |
| Credit loss provision to net charge-offs | 129.0323% | 2,557 |
| Earnings coverage of net charge-offs (x) | 1.7258% | 3,237 |
| Efficiency ratio | 73.9723% | 1,449 |
| Assets per employee ($millions) | 4.4293% | 3,991 |
| Cash dividends to net income (ytd only)* | 41.3284% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 3,587 |
| Loan loss allowance to noncurrent loans | 31.3887% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 2.0353% | 274 |
| Noncurrent loans to loans | 3.4168% | 213 |
| Net loans and leases to total assets | 58.9288% | 2,991 |
| Net loans and leases to deposits | 64.3231% | 3,412 |
| Net loans and leases to core deposits | 64.9700% | 3,633 |
| Total domestic deposits to total assets | 91.6138% | 116 |
| Equity capital to assets | 7.2130% | 4,886 |
| Core capital (leverage) ratio | 6.5097% | 4,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2753% | 2,848 |
| Memoranda: | ||
| Average total assets | $111,881,600 | 3,856 |
| Average earning assets | $106,134,600 | 3,824 |
| Average equity | $8,471,400 | 4,375 |
| Average total loans | $72,590,000 | 3,676 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 2,296 |
| Cost of funding earning assets | 0.4909% | 3,283 |
| Net interest margin | 3.7434% | 1,789 |
| Noninterest income to average assets | 0.1625% | 4,485 |
| Noninterest expense to average assets | 2.6871% | 2,297 |
| Loan and lease loss provision to assets | 0.6066% | 411 |
| Net operating income to assets | 0.4183% | 4,226 |
| Return on assets (ROA) | 0.4171% | 4,295 |
| Pretax return on assets | 0.4183% | 4,408 |
| Return on Equity (ROE) | 5.4390% | 3,740 |
| Retained earnings to average equity (ytd only) | 3.6681% | 3,218 |
| Net charge-offs to loans | 0.4022% | 395 |
| Credit loss provision to net charge-offs | 227.2727% | 2,004 |
| Earnings coverage of net charge-offs (x) | 3.8455% | 2,875 |
| Efficiency ratio | 72.3710% | 1,598 |
| Assets per employee ($millions) | 4.5258% | 3,819 |
| Cash dividends to net income (ytd only)* | 32.5581% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 2,931 |
| Loan loss allowance to noncurrent loans | 25.7066% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 2.7505% | 175 |
| Noncurrent loans to loans | 4.4805% | 134 |
| Net loans and leases to total assets | 60.6807% | 3,141 |
| Net loans and leases to deposits | 66.1935% | 3,600 |
| Net loans and leases to core deposits | 66.8403% | 3,835 |
| Total domestic deposits to total assets | 91.6716% | 87 |
| Equity capital to assets | 7.1417% | 4,930 |
| Core capital (leverage) ratio | 6.9708% | 4,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7370% | 2,709 |
| Memoranda: | ||
| Average total assets | $109,954,500 | 3,878 |
| Average earning assets | $104,288,750 | 3,844 |
| Average equity | $8,432,750 | 4,398 |
| Average total loans | $72,928,250 | 3,688 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3358% | 2,378 |
| Cost of funding earning assets | 0.5250% | 3,383 |
| Net interest margin | 3.8108% | 1,808 |
| Noninterest income to average assets | 0.1492% | 4,560 |
| Noninterest expense to average assets | 2.7750% | 2,148 |
| Loan and lease loss provision to assets | 0.6612% | 437 |
| Net operating income to assets | 0.3171% | 4,388 |
| Return on assets (ROA) | 0.2909% | 4,471 |
| Pretax return on assets | 0.2928% | 4,548 |
| Return on Equity (ROE) | 3.6954% | 4,196 |
| Retained earnings to average equity (ytd only) | 2.9035% | 3,429 |
| Net charge-offs to loans | 0.1717% | 867 |
| Credit loss provision to net charge-offs | 564.5161% | 1,148 |
| Earnings coverage of net charge-offs (x) | 8.3710% | 2,289 |
| Efficiency ratio | 73.8934% | 1,472 |
| Assets per employee ($millions) | 4.0790% | 4,229 |
| Cash dividends to net income (ytd only)* | 21.4286% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 2,698 |
| Loan loss allowance to noncurrent loans | 22.8992% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 3.4576% | 115 |
| Noncurrent loans to loans | 5.0907% | 108 |
| Net loans and leases to total assets | 67.1282% | 2,483 |
| Net loans and leases to deposits | 73.8911% | 3,086 |
| Net loans and leases to core deposits | 74.7004% | 3,400 |
| Total domestic deposits to total assets | 90.8475% | 189 |
| Equity capital to assets | 7.8595% | 4,783 |
| Core capital (leverage) ratio | 7.1901% | 4,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4185% | 2,854 |
| Memoranda: | ||
| Average total assets | $105,873,667 | 3,913 |
| Average earning assets | $100,189,000 | 3,877 |
| Average equity | $8,334,667 | 4,427 |
| Average total loans | $72,233,000 | 3,711 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4523% | 2,440 |
| Cost of funding earning assets | 0.5519% | 3,681 |
| Net interest margin | 3.9004% | 1,673 |
| Noninterest income to average assets | 0.2815% | 3,847 |
| Noninterest expense to average assets | 3.0113% | 1,865 |
| Loan and lease loss provision to assets | 0.7711% | 326 |
| Net operating income to assets | 0.1722% | 4,565 |
| Return on assets (ROA) | 0.1311% | 4,623 |
| Pretax return on assets | 0.1349% | 4,636 |
| Return on Equity (ROE) | 1.6638% | 4,517 |
| Retained earnings to average equity (ytd only) | 1.6638% | 3,560 |
| Net charge-offs to loans | 0.3496% | 408 |
| Credit loss provision to net charge-offs | 322.5806% | 1,124 |
| Earnings coverage of net charge-offs (x) | 3.9677% | 2,169 |
| Efficiency ratio | 76.0467% | 1,559 |
| Assets per employee ($millions) | 3.7208% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 3,558 |
| Loan loss allowance to noncurrent loans | 18.7581% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 3.8020% | 111 |
| Noncurrent loans to loans | 5.4831% | 98 |
| Net loans and leases to total assets | 66.6862% | 2,734 |
| Net loans and leases to deposits | 73.7644% | 3,296 |
| Net loans and leases to core deposits | 74.8621% | 3,578 |
| Total domestic deposits to total assets | 90.4043% | 219 |
| Equity capital to assets | 8.1972% | 4,929 |
| Core capital (leverage) ratio | 7.5816% | 5,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9329% | 3,122 |
| Memoranda: | ||
| Average total assets | $103,743,500 | 3,937 |
| Average earning assets | $97,837,000 | 3,900 |
| Average equity | $8,174,000 | 4,469 |
| Average total loans | $70,948,000 | 3,744 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7463% | 2,197 |
| Cost of funding earning assets | 0.5831% | 3,707 |
| Net interest margin | 4.1632% | 1,387 |
| Noninterest income to average assets | 0.2667% | 4,086 |
| Noninterest expense to average assets | 2.9598% | 2,121 |
| Loan and lease loss provision to assets | 0.9582% | 100 |
| Net operating income to assets | 0.2717% | 4,779 |
| Return on assets (ROA) | 0.3032% | 4,772 |
| Pretax return on assets | 0.3042% | 4,814 |
| Return on Equity (ROE) | 3.8974% | 4,485 |
| Retained earnings to average equity (ytd only) | 1.1731% | 4,327 |
| Net charge-offs to loans | 1.9589% | 62 |
| Credit loss provision to net charge-offs | 68.4783% | 2,931 |
| Earnings coverage of net charge-offs (x) | 0.8797% | 3,586 |
| Efficiency ratio | 70.6267% | 2,077 |
| Assets per employee ($millions) | 3.8261% | 4,128 |
| Cash dividends to net income (ytd only)* | 69.8997% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8145% | 4,260 |
| Loan loss allowance to noncurrent loans | 14.6037% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 3.9988% | 99 |
| Noncurrent loans to loans | 5.5775% | 82 |
| Net loans and leases to total assets | 68.8398% | 2,564 |
| Net loans and leases to deposits | 75.6116% | 3,216 |
| Net loans and leases to core deposits | 76.3955% | 3,548 |
| Total domestic deposits to total assets | 91.0440% | 117 |
| Equity capital to assets | 7.5582% | 5,105 |
| Core capital (leverage) ratio | 7.4039% | 5,109 |
| Tier 1 risk-based capital ratio | 10.4618% | 5,029 |
| Total risk-based capital ratio | 11.2566% | 5,080 |
| Memoranda: | ||
| Average total assets | $98,620,600 | 4,021 |
| Average earning assets | $92,956,600 | 3,998 |
| Average equity | $7,671,800 | 4,547 |
| Average total loans | $70,447,400 | 3,767 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7628% | 2,240 |
| Cost of funding earning assets | 0.5877% | 3,750 |
| Net interest margin | 4.1750% | 1,435 |
| Noninterest income to average assets | 0.2682% | 4,133 |
| Noninterest expense to average assets | 2.8609% | 2,373 |
| Loan and lease loss provision to assets | 1.1903% | 77 |
| Net operating income to assets | 0.1615% | 4,975 |
| Return on assets (ROA) | 0.1656% | 4,988 |
| Pretax return on assets | 0.1669% | 5,002 |
| Return on Equity (ROE) | 2.1123% | 4,883 |
| Retained earnings to average equity (ytd only) | -1.0474% | 4,863 |
| Net charge-offs to loans | 2.6254% | 41 |
| Credit loss provision to net charge-offs | 62.9978% | 2,683 |
| Earnings coverage of net charge-offs (x) | 0.7161% | 3,349 |
| Efficiency ratio | 67.8896% | 2,441 |
| Assets per employee ($millions) | 3.8189% | 4,142 |
| Cash dividends to net income (ytd only)* | 149.5878% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7223% | 4,602 |
| Loan loss allowance to noncurrent loans | 13.3228% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 3.8260% | 116 |
| Noncurrent loans to loans | 5.4213% | 91 |
| Net loans and leases to total assets | 67.7206% | 2,831 |
| Net loans and leases to deposits | 74.3019% | 3,449 |
| Net loans and leases to core deposits | 74.7514% | 3,782 |
| Total domestic deposits to total assets | 91.1424% | 85 |
| Equity capital to assets | 7.4300% | 5,195 |
| Core capital (leverage) ratio | 7.5153% | 5,190 |
| Tier 1 risk-based capital ratio | 10.4424% | 5,091 |
| Total risk-based capital ratio | 11.1444% | 5,164 |
| Memoranda: | ||
| Average total assets | $97,449,500 | 4,083 |
| Average earning assets | $92,101,000 | 4,053 |
| Average equity | $7,637,750 | 4,606 |
| Average total loans | $70,134,500 | 3,814 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8579% | 1,882 |
| Cost of funding earning assets | 0.5942% | 3,677 |
| Net interest margin | 4.2637% | 1,209 |
| Noninterest income to average assets | 0.2742% | 4,103 |
| Noninterest expense to average assets | 2.8923% | 2,299 |
| Loan and lease loss provision to assets | 0.8895% | 110 |
| Net operating income to assets | 0.5148% | 4,500 |
| Return on assets (ROA) | 0.5148% | 4,531 |
| Pretax return on assets | 0.5169% | 4,677 |
| Return on Equity (ROE) | 6.4482% | 3,892 |
| Retained earnings to average equity (ytd only) | 1.7038% | 4,208 |
| Net charge-offs to loans | 1.3102% | 94 |
| Credit loss provision to net charge-offs | 92.5926% | 2,108 |
| Earnings coverage of net charge-offs (x) | 1.4641% | 3,016 |
| Efficiency ratio | 67.2833% | 2,642 |
| Assets per employee ($millions) | 3.6580% | 4,300 |
| Cash dividends to net income (ytd only)* | 73.5772% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 1,553 |
| Loan loss allowance to noncurrent loans | 26.9273% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 3.8374% | 119 |
| Noncurrent loans to loans | 5.2518% | 92 |
| Net loans and leases to total assets | 69.5256% | 2,598 |
| Net loans and leases to deposits | 76.6912% | 3,272 |
| Net loans and leases to core deposits | 77.7251% | 3,602 |
| Total domestic deposits to total assets | 90.6566% | 164 |
| Equity capital to assets | 7.9168% | 5,193 |
| Core capital (leverage) ratio | 7.8935% | 5,188 |
| Tier 1 risk-based capital ratio | 10.7212% | 5,030 |
| Total risk-based capital ratio | 11.9719% | 4,946 |
| Memoranda: | ||
| Average total assets | $95,563,000 | 4,135 |
| Average earning assets | $90,204,330 | 4,115 |
| Average equity | $7,630,000 | 4,634 |
| Average total loans | $70,068,000 | 3,839 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5271% | 2,781 |
| Cost of funding earning assets | 0.5625% | 3,771 |
| Net interest margin | 3.9646% | 1,968 |
| Noninterest income to average assets | 0.2980% | 3,888 |
| Noninterest expense to average assets | 3.0268% | 1,914 |
| Loan and lease loss provision to assets | 0.5321% | 197 |
| Net operating income to assets | 0.4555% | 4,628 |
| Return on assets (ROA) | 0.4555% | 4,644 |
| Pretax return on assets | 0.4598% | 4,760 |
| Return on Equity (ROE) | 5.6798% | 4,124 |
| Retained earnings to average equity (ytd only) | 0.3716% | 4,461 |
| Net charge-offs to loans | 0.0057% | 2,497 |
| Credit loss provision to net charge-offs | 12,500.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 233.0000% | 340 |
| Efficiency ratio | 75.3178% | 1,574 |
| Assets per employee ($millions) | 3.4516% | 4,607 |
| Cash dividends to net income (ytd only)* | 93.4579% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6507% | 961 |
| Loan loss allowance to noncurrent loans | 29.2927% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 4.3286% | 95 |
| Noncurrent loans to loans | 5.6351% | 87 |
| Net loans and leases to total assets | 73.0755% | 1,960 |
| Net loans and leases to deposits | 82.3781% | 2,576 |
| Net loans and leases to core deposits | 83.2706% | 3,087 |
| Total domestic deposits to total assets | 88.7074% | 993 |
| Equity capital to assets | 8.1851% | 5,132 |
| Core capital (leverage) ratio | 8.2575% | 5,118 |
| Tier 1 risk-based capital ratio | 10.7266% | 5,098 |
| Total risk-based capital ratio | 11.9807% | 4,995 |
| Memoranda: | ||
| Average total assets | $93,962,000 | 4,198 |
| Average earning assets | $88,180,000 | 4,176 |
| Average equity | $7,535,500 | 4,678 |
| Average total loans | $70,276,000 | 3,858 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5867% | 2,167 |
| Cost of funding earning assets | 0.5127% | 3,270 |
| Net interest margin | 4.0739% | 1,760 |
| Noninterest income to average assets | 0.3171% | 3,994 |
| Noninterest expense to average assets | 2.8860% | 2,404 |
| Loan and lease loss provision to assets | 0.4044% | 330 |
| Net operating income to assets | 0.8229% | 3,718 |
| Return on assets (ROA) | 0.8229% | 3,717 |
| Pretax return on assets | 0.8229% | 4,109 |
| Return on Equity (ROE) | 10.4495% | 2,321 |
| Retained earnings to average equity (ytd only) | 4.8618% | 2,855 |
| Net charge-offs to loans | 0.8517% | 177 |
| Credit loss provision to net charge-offs | 62.5000% | 3,072 |
| Earnings coverage of net charge-offs (x) | 1.8967% | 3,579 |
| Efficiency ratio | 70.1626% | 2,150 |
| Assets per employee ($millions) | 3.3832% | 4,675 |
| Cash dividends to net income (ytd only)* | 53.4731% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 1,523 |
| Loan loss allowance to noncurrent loans | 26.8370% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 4.0082% | 116 |
| Noncurrent loans to loans | 5.3249% | 97 |
| Net loans and leases to total assets | 74.1982% | 1,905 |
| Net loans and leases to deposits | 81.8378% | 2,756 |
| Net loans and leases to core deposits | 83.0818% | 3,169 |
| Total domestic deposits to total assets | 90.6650% | 279 |
| Equity capital to assets | 7.8571% | 5,206 |
| Core capital (leverage) ratio | 8.1423% | 5,193 |
| Tier 1 risk-based capital ratio | 10.4366% | 5,207 |
| Total risk-based capital ratio | 11.6881% | 5,106 |
| Memoranda: | ||
| Average total assets | $92,722,400 | 4,221 |
| Average earning assets | $86,402,800 | 4,213 |
| Average equity | $7,301,800 | 4,706 |
| Average total loans | $70,445,000 | 3,864 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5897% | 2,006 |
| Cost of funding earning assets | 0.5072% | 3,153 |
| Net interest margin | 4.0825% | 1,683 |
| Noninterest income to average assets | 0.3253% | 3,967 |
| Noninterest expense to average assets | 2.7441% | 2,830 |
| Loan and lease loss provision to assets | 0.3036% | 480 |
| Net operating income to assets | 1.0829% | 2,737 |
| Return on assets (ROA) | 1.0829% | 2,748 |
| Pretax return on assets | 1.0829% | 3,459 |
| Return on Equity (ROE) | 13.7431% | 1,187 |
| Retained earnings to average equity (ytd only) | 7.2844% | 1,982 |
| Net charge-offs to loans | 1.0897% | 128 |
| Credit loss provision to net charge-offs | 36.5854% | 2,933 |
| Earnings coverage of net charge-offs (x) | 1.6707% | 3,328 |
| Efficiency ratio | 66.4333% | 2,792 |
| Assets per employee ($millions) | 3.4289% | 4,651 |
| Cash dividends to net income (ytd only)* | 46.9959% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,271 |
| Loan loss allowance to noncurrent loans | 37.8657% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 2.5103% | 344 |
| Noncurrent loans to loans | 3.3474% | 300 |
| Net loans and leases to total assets | 74.0397% | 1,973 |
| Net loans and leases to deposits | 81.8157% | 2,839 |
| Net loans and leases to core deposits | 83.3599% | 3,208 |
| Total domestic deposits to total assets | 90.4958% | 347 |
| Equity capital to assets | 7.9715% | 5,188 |
| Core capital (leverage) ratio | 8.1695% | 5,265 |
| Tier 1 risk-based capital ratio | 10.8728% | 5,091 |
| Total risk-based capital ratio | 12.1225% | 4,997 |
| Memoranda: | ||
| Average total assets | $92,220,500 | 4,276 |
| Average earning assets | $85,957,750 | 4,267 |
| Average equity | $7,266,500 | 4,761 |
| Average total loans | $70,229,500 | 3,903 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5067% | 2,075 |
| Cost of funding earning assets | 0.4902% | 3,087 |
| Net interest margin | 4.0165% | 1,804 |
| Noninterest income to average assets | 0.3257% | 4,015 |
| Noninterest expense to average assets | 2.7904% | 2,686 |
| Loan and lease loss provision to assets | 0.3040% | 459 |
| Net operating income to assets | 0.9859% | 3,083 |
| Return on assets (ROA) | 0.9859% | 3,084 |
| Pretax return on assets | 0.9859% | 3,705 |
| Return on Equity (ROE) | 12.5611% | 1,519 |
| Retained earnings to average equity (ytd only) | 5.7549% | 2,696 |
| Net charge-offs to loans | 0.4085% | 380 |
| Credit loss provision to net charge-offs | 97.2222% | 2,093 |
| Earnings coverage of net charge-offs (x) | 4.1250% | 2,817 |
| Efficiency ratio | 68.3874% | 2,577 |
| Assets per employee ($millions) | 3.5439% | 4,540 |
| Cash dividends to net income (ytd only)* | 54.1850% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7566% | 812 |
| Loan loss allowance to noncurrent loans | 69.9380% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.8530% | 608 |
| Noncurrent loans to loans | 2.5116% | 516 |
| Net loans and leases to total assets | 72.4795% | 2,200 |
| Net loans and leases to deposits | 79.6783% | 2,981 |
| Net loans and leases to core deposits | 81.1258% | 3,312 |
| Total domestic deposits to total assets | 90.9651% | 254 |
| Equity capital to assets | 7.5780% | 5,356 |
| Core capital (leverage) ratio | 8.0330% | 5,335 |
| Tier 1 risk-based capital ratio | 10.5813% | 5,237 |
| Total risk-based capital ratio | 11.8369% | 5,132 |
| Memoranda: | ||
| Average total assets | $92,100,670 | 4,314 |
| Average earning assets | $86,094,670 | 4,294 |
| Average equity | $7,228,670 | 4,816 |
| Average total loans | $70,497,330 | 3,922 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5248% | 1,793 |
| Cost of funding earning assets | 0.4885% | 2,879 |
| Net interest margin | 4.0363% | 1,607 |
| Noninterest income to average assets | 0.3366% | 3,909 |
| Noninterest expense to average assets | 2.8436% | 2,557 |
| Loan and lease loss provision to assets | 0.3322% | 369 |
| Net operating income to assets | 0.9301% | 3,159 |
| Return on assets (ROA) | 0.9301% | 3,179 |
| Pretax return on assets | 0.9301% | 3,755 |
| Return on Equity (ROE) | 11.6384% | 1,709 |
| Retained earnings to average equity (ytd only) | 11.6384% | 757 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2557% | 2,625 |
| Assets per employee ($millions) | 3.4442% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9094% | 646 |
| Loan loss allowance to noncurrent loans | 76.4638% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.9263% | 611 |
| Noncurrent loans to loans | 2.4971% | 547 |
| Net loans and leases to total assets | 75.6672% | 1,591 |
| Net loans and leases to deposits | 83.7639% | 2,411 |
| Net loans and leases to core deposits | 86.4881% | 2,761 |
| Total domestic deposits to total assets | 90.3339% | 529 |
| Equity capital to assets | 8.1083% | 5,228 |
| Core capital (leverage) ratio | 8.2519% | 5,288 |
| Tier 1 risk-based capital ratio | 10.9333% | 5,167 |
| Total risk-based capital ratio | 12.1906% | 5,069 |
| Memoranda: | ||
| Average total assets | $90,308,500 | 4,391 |
| Average earning assets | $84,334,500 | 4,370 |
| Average equity | $7,217,500 | 4,866 |
| Average total loans | $70,450,000 | 3,959 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4101% | 2,004 |
| Cost of funding earning assets | 0.3439% | 3,767 |
| Net interest margin | 4.0662% | 1,542 |
| Noninterest income to average assets | 0.2842% | 4,426 |
| Noninterest expense to average assets | 2.7822% | 2,842 |
| Loan and lease loss provision to assets | 0.1502% | 1,503 |
| Net operating income to assets | 1.1809% | 1,578 |
| Return on assets (ROA) | 1.1809% | 1,599 |
| Pretax return on assets | 1.1819% | 2,841 |
| Return on Equity (ROE) | 15.9150% | 496 |
| Retained earnings to average equity (ytd only) | 10.6389% | 281 |
| Net charge-offs to loans | 0.0209% | 3,405 |
| Credit loss provision to net charge-offs | 933.3333% | 378 |
| Earnings coverage of net charge-offs (x) | 82.8000% | 748 |
| Efficiency ratio | 67.6225% | 2,976 |
| Assets per employee ($millions) | 3.6427% | 4,516 |
| Cash dividends to net income (ytd only)* | 33.1517% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 888 |
| Loan loss allowance to noncurrent loans | 71.7003% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.9052% | 620 |
| Noncurrent loans to loans | 2.4157% | 575 |
| Net loans and leases to total assets | 77.5001% | 1,353 |
| Net loans and leases to deposits | 86.6114% | 2,182 |
| Net loans and leases to core deposits | 88.2886% | 2,698 |
| Total domestic deposits to total assets | 89.4803% | 787 |
| Equity capital to assets | 7.8777% | 5,428 |
| Core capital (leverage) ratio | 7.7092% | 5,518 |
| Tier 1 risk-based capital ratio | 10.1898% | 5,485 |
| Total risk-based capital ratio | 11.4463% | 5,401 |
| Memoranda: | ||
| Average total assets | $93,236,400 | 4,366 |
| Average earning assets | $87,821,000 | 4,338 |
| Average equity | $6,918,000 | 4,956 |
| Average total loans | $71,604,800 | 3,925 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3631% | 2,066 |
| Cost of funding earning assets | 0.3253% | 3,889 |
| Net interest margin | 4.0378% | 1,576 |
| Noninterest income to average assets | 0.2844% | 4,492 |
| Noninterest expense to average assets | 2.6189% | 3,352 |
| Loan and lease loss provision to assets | 0.0924% | 2,238 |
| Net operating income to assets | 1.3834% | 1,128 |
| Return on assets (ROA) | 1.3834% | 1,144 |
| Pretax return on assets | 1.3848% | 2,159 |
| Return on Equity (ROE) | 18.9276% | 283 |
| Retained earnings to average equity (ytd only) | 13.1891% | 210 |
| Net charge-offs to loans | 0.0280% | 2,875 |
| Credit loss provision to net charge-offs | 433.3333% | 722 |
| Earnings coverage of net charge-offs (x) | 69.2650% | 900 |
| Efficiency ratio | 63.9361% | 3,556 |
| Assets per employee ($millions) | 3.5459% | 4,655 |
| Cash dividends to net income (ytd only)* | 30.3184% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6447% | 1,146 |
| Loan loss allowance to noncurrent loans | 70.6771% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.7941% | 774 |
| Noncurrent loans to loans | 2.3271% | 679 |
| Net loans and leases to total assets | 75.8268% | 1,618 |
| Net loans and leases to deposits | 84.7193% | 2,469 |
| Net loans and leases to core deposits | 87.6390% | 2,808 |
| Total domestic deposits to total assets | 89.5035% | 655 |
| Equity capital to assets | 7.8249% | 5,562 |
| Core capital (leverage) ratio | 7.8330% | 5,562 |
| Tier 1 risk-based capital ratio | 10.1722% | 5,558 |
| Total risk-based capital ratio | 11.4267% | 5,509 |
| Memoranda: | ||
| Average total assets | $93,778,750 | 4,389 |
| Average earning assets | $88,527,250 | 4,362 |
| Average equity | $6,854,000 | 5,022 |
| Average total loans | $71,550,750 | 3,960 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 2,069 |
| Cost of funding earning assets | 0.3107% | 3,966 |
| Net interest margin | 4.0071% | 1,581 |
| Noninterest income to average assets | 0.2545% | 4,712 |
| Noninterest expense to average assets | 2.5788% | 3,497 |
| Loan and lease loss provision to assets | 0.0424% | 3,151 |
| Net operating income to assets | 1.4060% | 1,052 |
| Return on assets (ROA) | 1.4060% | 1,079 |
| Pretax return on assets | 1.4082% | 1,990 |
| Return on Equity (ROE) | 19.6911% | 228 |
| Retained earnings to average equity (ytd only) | 13.8105% | 196 |
| Net charge-offs to loans | -0.0028% | 4,219 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0000% | 3,672 |
| Assets per employee ($millions) | 3.6783% | 4,467 |
| Cash dividends to net income (ytd only)* | 29.8643% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 1,331 |
| Loan loss allowance to noncurrent loans | 116.3265% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.0247% | 1,707 |
| Noncurrent loans to loans | 1.3495% | 1,433 |
| Net loans and leases to total assets | 74.7415% | 1,743 |
| Net loans and leases to deposits | 81.0190% | 2,803 |
| Net loans and leases to core deposits | 83.6246% | 3,111 |
| Total domestic deposits to total assets | 92.2518% | 56 |
| Equity capital to assets | 7.3226% | 5,679 |
| Core capital (leverage) ratio | 7.1500% | 5,699 |
| Tier 1 risk-based capital ratio | 9.8360% | 5,669 |
| Total risk-based capital ratio | 11.0904% | 5,635 |
| Memoranda: | ||
| Average total assets | $94,307,330 | 4,407 |
| Average earning assets | $88,843,000 | 4,381 |
| Average equity | $6,734,000 | 5,069 |
| Average total loans | $71,709,000 | 3,979 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2323% | 2,159 |
| Cost of funding earning assets | 0.3039% | 4,006 |
| Net interest margin | 3.9284% | 1,679 |
| Noninterest income to average assets | 0.2734% | 4,588 |
| Noninterest expense to average assets | 2.5843% | 3,553 |
| Loan and lease loss provision to assets | 0.0384% | 3,031 |
| Net operating income to assets | 1.3455% | 1,122 |
| Return on assets (ROA) | 1.3455% | 1,159 |
| Pretax return on assets | 1.3498% | 2,061 |
| Return on Equity (ROE) | 19.0924% | 280 |
| Retained earnings to average equity (ytd only) | 19.0924% | 124 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0538% | 3,657 |
| Assets per employee ($millions) | 3.7152% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 1,379 |
| Loan loss allowance to noncurrent loans | 116.6494% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 1.0411% | 1,746 |
| Noncurrent loans to loans | 1.3727% | 1,467 |
| Net loans and leases to total assets | 74.6326% | 1,639 |
| Net loans and leases to deposits | 80.7450% | 2,646 |
| Net loans and leases to core deposits | 83.7386% | 2,927 |
| Total domestic deposits to total assets | 92.4299% | 67 |
| Equity capital to assets | 7.3192% | 5,716 |
| Core capital (leverage) ratio | 7.3753% | 5,728 |
| Tier 1 risk-based capital ratio | 10.0029% | 5,697 |
| Total risk-based capital ratio | 11.2582% | 5,662 |
| Memoranda: | ||
| Average total assets | $93,643,500 | 4,468 |
| Average earning assets | $88,178,000 | 4,443 |
| Average equity | $6,599,500 | 5,140 |
| Average total loans | $71,254,000 | 4,022 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4478% | 1,695 |
| Cost of funding earning assets | 0.3205% | 3,841 |
| Net interest margin | 4.1273% | 1,313 |
| Noninterest income to average assets | 0.2459% | 4,952 |
| Noninterest expense to average assets | 3.3469% | 1,476 |
| Loan and lease loss provision to assets | 0.2124% | 1,067 |
| Net operating income to assets | 0.5433% | 4,460 |
| Return on assets (ROA) | 0.5589% | 4,501 |
| Pretax return on assets | 0.5601% | 4,897 |
| Return on Equity (ROE) | 7.7349% | 3,094 |
| Retained earnings to average equity (ytd only) | 2.8619% | 3,859 |
| Net charge-offs to loans | -0.0995% | 5,595 |
| Credit loss provision to net charge-offs | -275.3623% | 5,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5582% | 1,254 |
| Assets per employee ($millions) | 3.7763% | 4,351 |
| Cash dividends to net income (ytd only)* | 63.0000% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 1,499 |
| Loan loss allowance to noncurrent loans | 113.9511% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.0402% | 1,818 |
| Noncurrent loans to loans | 1.3627% | 1,502 |
| Net loans and leases to total assets | 75.1451% | 1,669 |
| Net loans and leases to deposits | 80.8200% | 2,799 |
| Net loans and leases to core deposits | 83.3545% | 3,088 |
| Total domestic deposits to total assets | 92.9783% | 39 |
| Equity capital to assets | 6.7801% | 5,816 |
| Core capital (leverage) ratio | 6.9293% | 5,816 |
| Tier 1 risk-based capital ratio | 9.2310% | 5,839 |
| Total risk-based capital ratio | 10.4852% | 5,842 |
| Memoranda: | ||
| Average total assets | $89,455,800 | 4,555 |
| Average earning assets | $83,614,800 | 4,525 |
| Average equity | $6,464,200 | 5,198 |
| Average total loans | $69,343,000 | 4,061 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5100% | 1,504 |
| Cost of funding earning assets | 0.3285% | 3,794 |
| Net interest margin | 4.1815% | 1,173 |
| Noninterest income to average assets | 0.2464% | 4,997 |
| Noninterest expense to average assets | 3.5245% | 1,106 |
| Loan and lease loss provision to assets | 0.2569% | 724 |
| Net operating income to assets | 0.3688% | 5,117 |
| Return on assets (ROA) | 0.3899% | 5,142 |
| Pretax return on assets | 0.3914% | 5,321 |
| Return on Equity (ROE) | 5.3085% | 4,380 |
| Retained earnings to average equity (ytd only) | -1.1728% | 5,515 |
| Net charge-offs to loans | 0.0466% | 2,711 |
| Credit loss provision to net charge-offs | 708.3333% | 557 |
| Earnings coverage of net charge-offs (x) | 17.2913% | 2,058 |
| Efficiency ratio | 84.8926% | 914 |
| Assets per employee ($millions) | 3.4601% | 4,823 |
| Cash dividends to net income (ytd only)* | 122.0937% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 2,077 |
| Loan loss allowance to noncurrent loans | 372.5926% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 4,220 |
| Noncurrent loans to loans | 0.3829% | 3,889 |
| Net loans and leases to total assets | 77.2673% | 1,315 |
| Net loans and leases to deposits | 83.7403% | 2,515 |
| Net loans and leases to core deposits | 86.5600% | 2,901 |
| Total domestic deposits to total assets | 92.2702% | 59 |
| Equity capital to assets | 7.1096% | 5,879 |
| Core capital (leverage) ratio | 6.9865% | 5,883 |
| Tier 1 risk-based capital ratio | 9.1696% | 5,910 |
| Total risk-based capital ratio | 10.4226% | 5,913 |
| Memoranda: | ||
| Average total assets | $88,217,750 | 4,616 |
| Average earning assets | $82,392,500 | 4,575 |
| Average equity | $6,480,000 | 5,246 |
| Average total loans | $68,663,250 | 4,103 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5715% | 1,327 |
| Cost of funding earning assets | 0.3323% | 3,771 |
| Net interest margin | 4.2392% | 1,039 |
| Noninterest income to average assets | 0.2237% | 5,148 |
| Noninterest expense to average assets | 2.7728% | 3,126 |
| Loan and lease loss provision to assets | 0.3195% | 540 |
| Net operating income to assets | 1.0886% | 2,000 |
| Return on assets (ROA) | 1.1205% | 1,996 |
| Pretax return on assets | 1.1228% | 3,112 |
| Return on Equity (ROE) | 15.0891% | 659 |
| Retained earnings to average equity (ytd only) | 5.4087% | 2,480 |
| Net charge-offs to loans | 0.0735% | 2,133 |
| Credit loss provision to net charge-offs | 560.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 24.7200% | 1,534 |
| Efficiency ratio | 66.2848% | 3,635 |
| Assets per employee ($millions) | 3.4324% | 4,864 |
| Cash dividends to net income (ytd only)* | 64.1548% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 2,038 |
| Loan loss allowance to noncurrent loans | 320.7237% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 4,126 |
| Noncurrent loans to loans | 0.4545% | 3,743 |
| Net loans and leases to total assets | 73.8632% | 1,869 |
| Net loans and leases to deposits | 79.9847% | 2,932 |
| Net loans and leases to core deposits | 82.6981% | 3,209 |
| Total domestic deposits to total assets | 92.3467% | 62 |
| Equity capital to assets | 7.4214% | 5,927 |
| Core capital (leverage) ratio | 7.2862% | 5,916 |
| Tier 1 risk-based capital ratio | 9.9760% | 5,866 |
| Total risk-based capital ratio | 11.2290% | 5,808 |
| Memoranda: | ||
| Average total assets | $87,636,000 | 4,663 |
| Average earning assets | $81,855,330 | 4,624 |
| Average equity | $6,508,000 | 5,282 |
| Average total loans | $68,045,000 | 4,147 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 1,207 |
| Cost of funding earning assets | 0.3450% | 3,656 |
| Net interest margin | 4.2774% | 959 |
| Noninterest income to average assets | 0.2165% | 5,189 |
| Noninterest expense to average assets | 2.8192% | 2,999 |
| Loan and lease loss provision to assets | 0.0921% | 2,144 |
| Net operating income to assets | 1.2990% | 1,256 |
| Return on assets (ROA) | 1.3635% | 1,172 |
| Pretax return on assets | 1.3681% | 2,014 |
| Return on Equity (ROE) | 18.3552% | 327 |
| Retained earnings to average equity (ytd only) | 9.0536% | 1,102 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8852% | 3,652 |
| Assets per employee ($millions) | 3.1323% | 5,361 |
| Cash dividends to net income (ytd only)* | 50.6757% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 2,926 |
| Loan loss allowance to noncurrent loans | 231.5789% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4493% | 3,793 |
| Noncurrent loans to loans | 0.5596% | 3,508 |
| Net loans and leases to total assets | 79.2567% | 919 |
| Net loans and leases to deposits | 86.1400% | 2,051 |
| Net loans and leases to core deposits | 89.1675% | 2,445 |
| Total domestic deposits to total assets | 92.0092% | 108 |
| Equity capital to assets | 7.7366% | 5,900 |
| Core capital (leverage) ratio | 7.5146% | 5,925 |
| Tier 1 risk-based capital ratio | 10.0680% | 5,896 |
| Total risk-based capital ratio | 11.3197% | 5,834 |
| Memoranda: | ||
| Average total assets | $86,833,000 | 4,710 |
| Average earning assets | $81,170,500 | 4,678 |
| Average equity | $6,450,500 | 5,328 |
| Average total loans | $68,621,500 | 4,144 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5827% | 1,381 |
| Cost of funding earning assets | 0.4023% | 3,127 |
| Net interest margin | 4.1804% | 1,210 |
| Noninterest income to average assets | 0.2956% | 4,771 |
| Noninterest expense to average assets | 2.9854% | 2,599 |
| Loan and lease loss provision to assets | 0.2018% | 1,061 |
| Net operating income to assets | 0.9924% | 2,408 |
| Return on assets (ROA) | 0.9947% | 2,486 |
| Pretax return on assets | 0.9959% | 3,492 |
| Return on Equity (ROE) | 13.5511% | 938 |
| Retained earnings to average equity (ytd only) | 5.5951% | 2,018 |
| Net charge-offs to loans | 0.1818% | 1,584 |
| Credit loss provision to net charge-offs | 142.8571% | 1,838 |
| Earnings coverage of net charge-offs (x) | 8.4622% | 2,950 |
| Efficiency ratio | 71.4083% | 3,001 |
| Assets per employee ($millions) | 3.2998% | 5,153 |
| Cash dividends to net income (ytd only)* | 58.7112% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 3,242 |
| Loan loss allowance to noncurrent loans | 247.8386% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 3,723 |
| Noncurrent loans to loans | 0.5005% | 3,686 |
| Net loans and leases to total assets | 76.8559% | 1,278 |
| Net loans and leases to deposits | 82.9817% | 2,477 |
| Net loans and leases to core deposits | 84.0430% | 2,961 |
| Total domestic deposits to total assets | 92.6179% | 62 |
| Equity capital to assets | 7.1363% | 6,034 |
| Core capital (leverage) ratio | 7.1103% | 6,035 |
| Tier 1 risk-based capital ratio | 9.3178% | 6,071 |
| Total risk-based capital ratio | 10.5678% | 6,064 |
| Memoranda: | ||
| Average total assets | $84,244,200 | 4,787 |
| Average earning assets | $78,294,800 | 4,756 |
| Average equity | $6,184,000 | 5,402 |
| Average total loans | $65,447,600 | 4,218 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 1,333 |
| Cost of funding earning assets | 0.4183% | 3,023 |
| Net interest margin | 4.1797% | 1,213 |
| Noninterest income to average assets | 0.3051% | 4,756 |
| Noninterest expense to average assets | 2.8551% | 2,989 |
| Loan and lease loss provision to assets | 0.2489% | 687 |
| Net operating income to assets | 1.0823% | 2,088 |
| Return on assets (ROA) | 1.0855% | 2,158 |
| Pretax return on assets | 1.0871% | 3,280 |
| Return on Equity (ROE) | 14.6781% | 776 |
| Retained earnings to average equity (ytd only) | 6.2969% | 2,067 |
| Net charge-offs to loans | 0.2399% | 1,088 |
| Credit loss provision to net charge-offs | 133.6207% | 1,841 |
| Earnings coverage of net charge-offs (x) | 7.1553% | 2,946 |
| Efficiency ratio | 68.1748% | 3,506 |
| Assets per employee ($millions) | 3.0751% | 5,458 |
| Cash dividends to net income (ytd only)* | 57.1002% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 3,240 |
| Loan loss allowance to noncurrent loans | 230.4348% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5360% | 3,701 |
| Noncurrent loans to loans | 0.5527% | 3,680 |
| Net loans and leases to total assets | 79.1721% | 930 |
| Net loans and leases to deposits | 92.9235% | 1,315 |
| Net loans and leases to core deposits | 94.0052% | 2,076 |
| Total domestic deposits to total assets | 85.2014% | 2,930 |
| Equity capital to assets | 7.6649% | 6,045 |
| Core capital (leverage) ratio | 7.5858% | 6,037 |
| Tier 1 risk-based capital ratio | 9.6563% | 6,111 |
| Total risk-based capital ratio | 10.9063% | 6,084 |
| Memoranda: | ||
| Average total assets | $83,031,750 | 4,867 |
| Average earning assets | $77,132,750 | 4,842 |
| Average equity | $6,140,500 | 5,472 |
| Average total loans | $64,476,000 | 4,290 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 1,429 |
| Cost of funding earning assets | 0.4345% | 2,900 |
| Net interest margin | 4.1035% | 1,341 |
| Noninterest income to average assets | 0.3035% | 4,782 |
| Noninterest expense to average assets | 2.8447% | 3,081 |
| Loan and lease loss provision to assets | 0.3372% | 404 |
| Net operating income to assets | 0.9177% | 2,794 |
| Return on assets (ROA) | 0.9177% | 2,921 |
| Pretax return on assets | 0.9201% | 3,881 |
| Return on Equity (ROE) | 12.5618% | 1,204 |
| Retained earnings to average equity (ytd only) | 3.5279% | 3,780 |
| Net charge-offs to loans | 0.3638% | 715 |
| Credit loss provision to net charge-offs | 120.6897% | 1,800 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 3,033 |
| Efficiency ratio | 69.3482% | 3,434 |
| Assets per employee ($millions) | 3.2463% | 5,260 |
| Cash dividends to net income (ytd only)* | 71.9160% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 3,265 |
| Loan loss allowance to noncurrent loans | 199.2823% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.5865% | 3,655 |
| Noncurrent loans to loans | 0.6502% | 3,527 |
| Net loans and leases to total assets | 75.1774% | 1,481 |
| Net loans and leases to deposits | 81.3591% | 2,629 |
| Net loans and leases to core deposits | 82.2546% | 3,149 |
| Total domestic deposits to total assets | 92.4019% | 91 |
| Equity capital to assets | 7.2569% | 6,154 |
| Core capital (leverage) ratio | 7.0708% | 6,177 |
| Tier 1 risk-based capital ratio | 9.6910% | 6,162 |
| Total risk-based capital ratio | 10.9419% | 6,135 |
| Memoranda: | ||
| Average total assets | $83,033,000 | 4,918 |
| Average earning assets | $76,862,000 | 4,894 |
| Average equity | $6,066,000 | 5,538 |
| Average total loans | $63,773,670 | 4,342 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4813% | 1,518 |
| Cost of funding earning assets | 0.4471% | 2,798 |
| Net interest margin | 4.0342% | 1,458 |
| Noninterest income to average assets | 0.3206% | 4,624 |
| Noninterest expense to average assets | 2.8562% | 3,045 |
| Loan and lease loss provision to assets | 0.6072% | 154 |
| Net operating income to assets | 0.5780% | 4,368 |
| Return on assets (ROA) | 0.5780% | 4,473 |
| Pretax return on assets | 0.5829% | 4,963 |
| Return on Equity (ROE) | 7.8854% | 3,012 |
| Retained earnings to average equity (ytd only) | -2.0542% | 5,692 |
| Net charge-offs to loans | 0.7431% | 319 |
| Credit loss provision to net charge-offs | 105.9322% | 1,548 |
| Earnings coverage of net charge-offs (x) | 2.0763% | 2,826 |
| Efficiency ratio | 70.5882% | 3,381 |
| Assets per employee ($millions) | 3.2648% | 5,300 |
| Cash dividends to net income (ytd only)* | 126.0504% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 3,481 |
| Loan loss allowance to noncurrent loans | 218.7668% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.5673% | 3,781 |
| Noncurrent loans to loans | 0.5880% | 3,815 |
| Net loans and leases to total assets | 76.7214% | 1,098 |
| Net loans and leases to deposits | 86.4177% | 1,780 |
| Net loans and leases to core deposits | 87.4373% | 2,382 |
| Total domestic deposits to total assets | 88.7797% | 1,405 |
| Equity capital to assets | 7.4210% | 6,195 |
| Core capital (leverage) ratio | 7.2809% | 6,204 |
| Tier 1 risk-based capital ratio | 9.6081% | 6,255 |
| Total risk-based capital ratio | 10.8578% | 6,221 |
| Memoranda: | ||
| Average total assets | $82,348,000 | 4,979 |
| Average earning assets | $76,050,000 | 4,970 |
| Average equity | $6,036,500 | 5,589 |
| Average total loans | $63,518,000 | 4,377 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3501% | 2,408 |
| Cost of funding earning assets | 0.5301% | 2,387 |
| Net interest margin | 3.8200% | 2,550 |
| Noninterest income to average assets | 0.3424% | 4,649 |
| Noninterest expense to average assets | 2.8141% | 3,424 |
| Loan and lease loss provision to assets | 0.0711% | 3,066 |
| Net operating income to assets | 0.9740% | 2,508 |
| Return on assets (ROA) | 0.9728% | 2,595 |
| Pretax return on assets | 0.9740% | 3,597 |
| Return on Equity (ROE) | 14.2184% | 898 |
| Retained earnings to average equity (ytd only) | 6.5290% | 1,624 |
| Net charge-offs to loans | 0.0982% | 3,105 |
| Credit loss provision to net charge-offs | 103.4483% | 2,315 |
| Earnings coverage of net charge-offs (x) | 15.2241% | 2,099 |
| Efficiency ratio | 72.8975% | 3,056 |
| Assets per employee ($millions) | 3.3230% | 5,228 |
| Cash dividends to net income (ytd only)* | 54.0804% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 3,583 |
| Loan loss allowance to noncurrent loans | 164.0974% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.7018% | 3,469 |
| Noncurrent loans to loans | 0.7752% | 3,377 |
| Net loans and leases to total assets | 75.5826% | 1,334 |
| Net loans and leases to deposits | 82.6828% | 2,386 |
| Net loans and leases to core deposits | 83.6132% | 2,942 |
| Total domestic deposits to total assets | 91.4127% | 248 |
| Equity capital to assets | 7.2416% | 6,295 |
| Core capital (leverage) ratio | 7.0146% | 6,310 |
| Tier 1 risk-based capital ratio | 9.6026% | 6,339 |
| Total risk-based capital ratio | 10.8529% | 6,316 |
| Memoranda: | ||
| Average total assets | $84,396,800 | 4,949 |
| Average earning assets | $77,721,600 | 4,931 |
| Average equity | $5,774,200 | 5,669 |
| Average total loans | $59,065,800 | 4,519 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2732% | 2,735 |
| Cost of funding earning assets | 0.5399% | 2,375 |
| Net interest margin | 3.7333% | 2,884 |
| Noninterest income to average assets | 0.3509% | 4,636 |
| Noninterest expense to average assets | 2.6783% | 3,903 |
| Loan and lease loss provision to assets | 0.0708% | 2,932 |
| Net operating income to assets | 1.0386% | 2,287 |
| Return on assets (ROA) | 1.0417% | 2,332 |
| Pretax return on assets | 1.0433% | 3,411 |
| Return on Equity (ROE) | 15.4476% | 751 |
| Retained earnings to average equity (ytd only) | 7.4438% | 1,596 |
| Net charge-offs to loans | 0.0138% | 4,278 |
| Credit loss provision to net charge-offs | 750.0000% | 413 |
| Earnings coverage of net charge-offs (x) | 117.6638% | 504 |
| Efficiency ratio | 70.6811% | 3,390 |
| Assets per employee ($millions) | 3.3268% | 5,199 |
| Cash dividends to net income (ytd only)* | 51.8127% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 3,130 |
| Loan loss allowance to noncurrent loans | 170.9091% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.9378% | 3,095 |
| Noncurrent loans to loans | 0.8247% | 3,510 |
| Net loans and leases to total assets | 71.1531% | 2,001 |
| Net loans and leases to deposits | 77.3063% | 3,025 |
| Net loans and leases to core deposits | 77.9119% | 3,549 |
| Total domestic deposits to total assets | 92.0404% | 154 |
| Equity capital to assets | 7.1180% | 6,366 |
| Core capital (leverage) ratio | 6.8345% | 6,398 |
| Tier 1 risk-based capital ratio | 10.2193% | 6,291 |
| Total risk-based capital ratio | 11.4715% | 6,259 |
| Memoranda: | ||
| Average total assets | $84,727,000 | 5,003 |
| Average earning assets | $78,035,250 | 4,979 |
| Average equity | $5,713,750 | 5,741 |
| Average total loans | $57,932,250 | 4,595 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1615% | 3,098 |
| Cost of funding earning assets | 0.5443% | 2,391 |
| Net interest margin | 3.6171% | 3,291 |
| Noninterest income to average assets | 0.3637% | 4,520 |
| Noninterest expense to average assets | 2.6512% | 4,053 |
| Loan and lease loss provision to assets | 0.0704% | 2,867 |
| Net operating income to assets | 0.9760% | 2,432 |
| Return on assets (ROA) | 0.9830% | 2,473 |
| Pretax return on assets | 0.9854% | 3,533 |
| Return on Equity (ROE) | 14.8450% | 813 |
| Retained earnings to average equity (ytd only) | 6.4128% | 2,083 |
| Net charge-offs to loans | 0.0105% | 4,046 |
| Credit loss provision to net charge-offs | 1,000.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 413 |
| Efficiency ratio | 71.6550% | 3,405 |
| Assets per employee ($millions) | 3.7198% | 4,416 |
| Cash dividends to net income (ytd only)* | 56.8019% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 3,255 |
| Loan loss allowance to noncurrent loans | 153.0275% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.8925% | 3,315 |
| Noncurrent loans to loans | 0.9268% | 3,398 |
| Net loans and leases to total assets | 62.3360% | 3,352 |
| Net loans and leases to deposits | 67.3263% | 4,132 |
| Net loans and leases to core deposits | 68.0215% | 4,466 |
| Total domestic deposits to total assets | 92.5879% | 110 |
| Equity capital to assets | 6.2594% | 6,510 |
| Core capital (leverage) ratio | 6.4187% | 6,500 |
| Tier 1 risk-based capital ratio | 10.0492% | 6,384 |
| Total risk-based capital ratio | 11.3012% | 6,340 |
| Memoranda: | ||
| Average total assets | $85,246,000 | 5,036 |
| Average earning assets | $78,626,000 | 5,007 |
| Average equity | $5,645,000 | 5,795 |
| Average total loans | $57,235,000 | 4,648 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2924% | 2,555 |
| Cost of funding earning assets | 0.5756% | 2,192 |
| Net interest margin | 3.7169% | 2,801 |
| Noninterest income to average assets | 0.4031% | 4,162 |
| Noninterest expense to average assets | 2.7037% | 3,922 |
| Loan and lease loss provision to assets | 0.0737% | 2,661 |
| Net operating income to assets | 1.0176% | 2,140 |
| Return on assets (ROA) | 1.0176% | 2,205 |
| Pretax return on assets | 1.0225% | 3,240 |
| Return on Equity (ROE) | 14.9001% | 792 |
| Retained earnings to average equity (ytd only) | 7.7020% | 1,725 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1514% | 3,633 |
| Assets per employee ($millions) | 3.1972% | 5,524 |
| Cash dividends to net income (ytd only)* | 48.3092% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 3,274 |
| Loan loss allowance to noncurrent loans | 140.7534% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 1.0872% | 3,078 |
| Noncurrent loans to loans | 1.0459% | 3,330 |
| Net loans and leases to total assets | 68.8286% | 2,082 |
| Net loans and leases to deposits | 75.1794% | 2,921 |
| Net loans and leases to core deposits | 76.5167% | 3,359 |
| Total domestic deposits to total assets | 91.5525% | 365 |
| Equity capital to assets | 7.0788% | 6,430 |
| Core capital (leverage) ratio | 7.1693% | 6,434 |
| Tier 1 risk-based capital ratio | 10.3933% | 6,363 |
| Total risk-based capital ratio | 11.6467% | 6,326 |
| Memoranda: | ||
| Average total assets | $81,371,000 | 5,178 |
| Average earning assets | $74,363,500 | 5,169 |
| Average equity | $5,557,000 | 5,849 |
| Average total loans | $56,450,500 | 4,711 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4248% | 2,491 |
| Cost of funding earning assets | 0.6719% | 2,025 |
| Net interest margin | 3.7529% | 2,834 |
| Noninterest income to average assets | 0.3887% | 4,529 |
| Noninterest expense to average assets | 2.9429% | 3,222 |
| Loan and lease loss provision to assets | 0.0665% | 3,797 |
| Net operating income to assets | 0.8238% | 3,168 |
| Return on assets (ROA) | 0.8238% | 3,259 |
| Pretax return on assets | 0.8251% | 4,052 |
| Return on Equity (ROE) | 11.9655% | 1,430 |
| Retained earnings to average equity (ytd only) | 2.2219% | 4,666 |
| Net charge-offs to loans | 0.0450% | 4,592 |
| Credit loss provision to net charge-offs | 212.0000% | 1,087 |
| Earnings coverage of net charge-offs (x) | 28.4400% | 1,235 |
| Efficiency ratio | 76.7495% | 2,666 |
| Assets per employee ($millions) | 3.1851% | 5,519 |
| Cash dividends to net income (ytd only)* | 81.4307% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 3,584 |
| Loan loss allowance to noncurrent loans | 184.6682% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.8718% | 3,708 |
| Noncurrent loans to loans | 0.7658% | 4,053 |
| Net loans and leases to total assets | 67.9338% | 2,368 |
| Net loans and leases to deposits | 73.7732% | 3,297 |
| Net loans and leases to core deposits | 74.7813% | 3,761 |
| Total domestic deposits to total assets | 92.0846% | 266 |
| Equity capital to assets | 6.5883% | 6,555 |
| Core capital (leverage) ratio | 6.4876% | 6,597 |
| Tier 1 risk-based capital ratio | 9.9373% | 6,531 |
| Total risk-based capital ratio | 11.1888% | 6,499 |
| Memoranda: | ||
| Average total assets | $79,751,200 | 5,244 |
| Average earning assets | $73,223,400 | 5,219 |
| Average equity | $5,490,800 | 5,931 |
| Average total loans | $55,606,200 | 4,764 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4491% | 2,426 |
| Cost of funding earning assets | 0.6965% | 1,979 |
| Net interest margin | 3.7526% | 2,835 |
| Noninterest income to average assets | 0.3882% | 4,619 |
| Noninterest expense to average assets | 2.8038% | 3,649 |
| Loan and lease loss provision to assets | 0.0642% | 3,773 |
| Net operating income to assets | 0.9656% | 2,518 |
| Return on assets (ROA) | 0.9656% | 2,619 |
| Pretax return on assets | 0.9672% | 3,624 |
| Return on Equity (ROE) | 13.8676% | 1,021 |
| Retained earnings to average equity (ytd only) | 2.6426% | 4,745 |
| Net charge-offs to loans | 0.0603% | 4,042 |
| Credit loss provision to net charge-offs | 152.0000% | 1,551 |
| Earnings coverage of net charge-offs (x) | 24.4419% | 1,424 |
| Efficiency ratio | 73.1074% | 3,204 |
| Assets per employee ($millions) | 3.0693% | 5,734 |
| Cash dividends to net income (ytd only)* | 80.9441% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 3,727 |
| Loan loss allowance to noncurrent loans | 245.2012% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.7619% | 4,202 |
| Noncurrent loans to loans | 0.5879% | 4,734 |
| Net loans and leases to total assets | 67.8542% | 2,316 |
| Net loans and leases to deposits | 74.0226% | 3,231 |
| Net loans and leases to core deposits | 75.1131% | 3,718 |
| Total domestic deposits to total assets | 91.6669% | 323 |
| Equity capital to assets | 6.9510% | 6,564 |
| Core capital (leverage) ratio | 6.8981% | 6,605 |
| Tier 1 risk-based capital ratio | 10.4246% | 6,481 |
| Total risk-based capital ratio | 11.6771% | 6,443 |
| Memoranda: | ||
| Average total assets | $78,985,750 | 5,313 |
| Average earning assets | $72,552,750 | 5,289 |
| Average equity | $5,499,500 | 6,004 |
| Average total loans | $55,241,500 | 4,817 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 2,327 |
| Cost of funding earning assets | 0.7095% | 2,009 |
| Net interest margin | 3.7572% | 2,733 |
| Noninterest income to average assets | 0.4040% | 4,493 |
| Noninterest expense to average assets | 2.8127% | 3,626 |
| Loan and lease loss provision to assets | 0.0711% | 3,609 |
| Net operating income to assets | 0.9757% | 2,444 |
| Return on assets (ROA) | 0.9757% | 2,588 |
| Pretax return on assets | 0.9782% | 3,609 |
| Return on Equity (ROE) | 14.0052% | 1,009 |
| Retained earnings to average equity (ytd only) | 0.3647% | 5,747 |
| Net charge-offs to loans | 0.0867% | 3,499 |
| Credit loss provision to net charge-offs | 116.6667% | 1,900 |
| Earnings coverage of net charge-offs (x) | 17.2083% | 1,620 |
| Efficiency ratio | 72.8289% | 3,332 |
| Assets per employee ($millions) | 3.4167% | 5,024 |
| Cash dividends to net income (ytd only)* | 97.3958% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 3,848 |
| Loan loss allowance to noncurrent loans | 139.3238% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 1.0618% | 3,621 |
| Noncurrent loans to loans | 1.0338% | 3,866 |
| Net loans and leases to total assets | 62.7280% | 3,151 |
| Net loans and leases to deposits | 67.9246% | 4,027 |
| Net loans and leases to core deposits | 68.8516% | 4,413 |
| Total domestic deposits to total assets | 92.3494% | 203 |
| Equity capital to assets | 6.2949% | 6,715 |
| Core capital (leverage) ratio | 6.6906% | 6,673 |
| Tier 1 risk-based capital ratio | 10.4047% | 6,535 |
| Total risk-based capital ratio | 11.6581% | 6,504 |
| Memoranda: | ||
| Average total assets | $78,713,670 | 5,350 |
| Average earning assets | $72,446,670 | 5,321 |
| Average equity | $5,483,670 | 6,049 |
| Average total loans | $55,341,670 | 4,836 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6623% | 1,644 |
| Cost of funding earning assets | 0.7453% | 1,884 |
| Net interest margin | 3.9170% | 2,061 |
| Noninterest income to average assets | 0.4140% | 4,360 |
| Noninterest expense to average assets | 2.9033% | 3,326 |
| Loan and lease loss provision to assets | 0.0690% | 3,481 |
| Net operating income to assets | 1.0350% | 2,088 |
| Return on assets (ROA) | 1.0350% | 2,198 |
| Pretax return on assets | 1.0403% | 3,186 |
| Return on Equity (ROE) | 14.0871% | 947 |
| Retained earnings to average equity (ytd only) | -3.9733% | 6,271 |
| Net charge-offs to loans | 0.1719% | 2,370 |
| Credit loss provision to net charge-offs | 54.1667% | 2,545 |
| Earnings coverage of net charge-offs (x) | 8.7083% | 1,919 |
| Efficiency ratio | 72.3545% | 3,555 |
| Assets per employee ($millions) | 3.0243% | 5,945 |
| Cash dividends to net income (ytd only)* | 128.2051% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 4,108 |
| Loan loss allowance to noncurrent loans | 229.9401% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.9113% | 4,118 |
| Noncurrent loans to loans | 0.6197% | 4,898 |
| Net loans and leases to total assets | 70.2690% | 1,618 |
| Net loans and leases to deposits | 77.0723% | 2,476 |
| Net loans and leases to core deposits | 77.9692% | 3,067 |
| Total domestic deposits to total assets | 91.1729% | 454 |
| Equity capital to assets | 7.2744% | 6,652 |
| Core capital (leverage) ratio | 7.2150% | 6,578 |
| Tier 1 risk-based capital ratio | 10.4563% | 6,591 |
| Total risk-based capital ratio | 11.7098% | 6,573 |
| Memoranda: | ||
| Average total assets | $75,361,500 | 5,477 |
| Average earning assets | $69,236,500 | 5,456 |
| Average equity | $5,537,000 | 6,091 |
| Average total loans | $55,830,500 | 4,864 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9496% | 1,691 |
| Cost of funding earning assets | 0.8965% | 1,955 |
| Net interest margin | 4.0532% | 2,181 |
| Noninterest income to average assets | 0.3651% | 4,870 |
| Noninterest expense to average assets | 3.1046% | 2,907 |
| Loan and lease loss provision to assets | 0.0284% | 5,542 |
| Net operating income to assets | 0.9600% | 2,499 |
| Return on assets (ROA) | 0.9600% | 2,747 |
| Pretax return on assets | 0.9614% | 3,697 |
| Return on Equity (ROE) | 13.1064% | 1,199 |
| Retained earnings to average equity (ytd only) | 3.0643% | 4,078 |
| Net charge-offs to loans | 0.1010% | 4,656 |
| Credit loss provision to net charge-offs | 37.5000% | 4,979 |
| Earnings coverage of net charge-offs (x) | 13.0714% | 1,868 |
| Efficiency ratio | 75.8256% | 2,776 |
| Assets per employee ($millions) | 3.0046% | 6,006 |
| Cash dividends to net income (ytd only)* | 76.6197% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 4,410 |
| Loan loss allowance to noncurrent loans | 219.4366% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.9452% | 4,135 |
| Noncurrent loans to loans | 0.6146% | 4,975 |
| Net loans and leases to total assets | 75.8637% | 933 |
| Net loans and leases to deposits | 83.3382% | 1,835 |
| Net loans and leases to core deposits | 84.3160% | 2,509 |
| Total domestic deposits to total assets | 91.0311% | 481 |
| Equity capital to assets | 7.4206% | 6,661 |
| Core capital (leverage) ratio | 7.0176% | 6,697 |
| Tier 1 risk-based capital ratio | 9.8210% | 6,743 |
| Total risk-based capital ratio | 11.0727% | 6,714 |
| Memoranda: | ||
| Average total assets | $73,955,200 | 5,517 |
| Average earning assets | $68,045,800 | 5,490 |
| Average equity | $5,417,200 | 6,175 |
| Average total loans | $55,471,800 | 4,887 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9376% | 1,871 |
| Cost of funding earning assets | 0.9333% | 1,961 |
| Net interest margin | 4.0043% | 2,487 |
| Noninterest income to average assets | 0.3493% | 5,019 |
| Noninterest expense to average assets | 2.9991% | 3,239 |
| Loan and lease loss provision to assets | 0.0380% | 5,299 |
| Net operating income to assets | 0.9991% | 2,507 |
| Return on assets (ROA) | 0.9991% | 2,731 |
| Pretax return on assets | 1.0009% | 3,709 |
| Return on Equity (ROE) | 13.6850% | 1,178 |
| Retained earnings to average equity (ytd only) | 2.6032% | 5,007 |
| Net charge-offs to loans | 0.0291% | 5,254 |
| Credit loss provision to net charge-offs | 175.0000% | 1,587 |
| Earnings coverage of net charge-offs (x) | 47.8319% | 780 |
| Efficiency ratio | 74.2716% | 2,942 |
| Assets per employee ($millions) | 3.1072% | 5,832 |
| Cash dividends to net income (ytd only)* | 80.9791% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 4,057 |
| Loan loss allowance to noncurrent loans | 61.1896% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 2.1603% | 2,479 |
| Noncurrent loans to loans | 2.4060% | 2,398 |
| Net loans and leases to total assets | 73.8588% | 1,266 |
| Net loans and leases to deposits | 81.1929% | 2,224 |
| Net loans and leases to core deposits | 82.8141% | 2,858 |
| Total domestic deposits to total assets | 90.9671% | 422 |
| Equity capital to assets | 7.4519% | 6,780 |
| Core capital (leverage) ratio | 7.0978% | 6,776 |
| Tier 1 risk-based capital ratio | 10.0650% | 6,783 |
| Total risk-based capital ratio | 11.3176% | 6,757 |
| Memoranda: | ||
| Average total assets | $73,665,250 | 5,585 |
| Average earning assets | $67,858,750 | 5,557 |
| Average equity | $5,378,000 | 6,251 |
| Average total loans | $54,898,750 | 4,957 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8763% | 2,207 |
| Cost of funding earning assets | 0.9558% | 2,029 |
| Net interest margin | 3.9205% | 2,828 |
| Noninterest income to average assets | 0.3217% | 5,252 |
| Noninterest expense to average assets | 3.0370% | 3,133 |
| Loan and lease loss provision to assets | 0.0572% | 4,945 |
| Net operating income to assets | 0.8478% | 3,155 |
| Return on assets (ROA) | 0.8478% | 3,427 |
| Pretax return on assets | 0.8506% | 4,274 |
| Return on Equity (ROE) | 11.6954% | 1,773 |
| Retained earnings to average equity (ytd only) | -1.5794% | 6,303 |
| Net charge-offs to loans | 0.0440% | 4,764 |
| Credit loss provision to net charge-offs | 175.0000% | 1,612 |
| Earnings coverage of net charge-offs (x) | 27.7500% | 1,125 |
| Efficiency ratio | 76.9869% | 2,593 |
| Assets per employee ($millions) | 3.0819% | 5,889 |
| Cash dividends to net income (ytd only)* | 113.5048% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 3,987 |
| Loan loss allowance to noncurrent loans | 88.0214% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.5263% | 3,412 |
| Noncurrent loans to loans | 1.7086% | 3,333 |
| Net loans and leases to total assets | 69.9577% | 1,929 |
| Net loans and leases to deposits | 76.6053% | 2,899 |
| Net loans and leases to core deposits | 79.5270% | 3,286 |
| Total domestic deposits to total assets | 91.3223% | 350 |
| Equity capital to assets | 6.9489% | 6,916 |
| Core capital (leverage) ratio | 6.9208% | 6,840 |
| Tier 1 risk-based capital ratio | 10.0385% | 6,814 |
| Total risk-based capital ratio | 11.2921% | 6,794 |
| Memoranda: | ||
| Average total assets | $73,363,000 | 5,625 |
| Average earning assets | $67,796,670 | 5,594 |
| Average equity | $5,318,330 | 6,297 |
| Average total loans | $54,564,670 | 5,005 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9292% | 2,139 |
| Cost of funding earning assets | 1.0125% | 1,903 |
| Net interest margin | 3.9167% | 2,852 |
| Noninterest income to average assets | 0.3412% | 5,124 |
| Noninterest expense to average assets | 3.1320% | 2,811 |
| Loan and lease loss provision to assets | 0.0895% | 4,239 |
| Net operating income to assets | 0.7271% | 3,748 |
| Return on assets (ROA) | 0.7271% | 3,978 |
| Pretax return on assets | 0.7327% | 4,678 |
| Return on Equity (ROE) | 9.8104% | 2,467 |
| Retained earnings to average equity (ytd only) | -9.0557% | 6,813 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2079% | 2,315 |
| Assets per employee ($millions) | 2.6484% | 6,697 |
| Cash dividends to net income (ytd only)* | 192.3077% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5745% | 3,829 |
| Loan loss allowance to noncurrent loans | 61.9403% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.8739% | 3,083 |
| Noncurrent loans to loans | 2.5420% | 2,559 |
| Net loans and leases to total assets | 72.5583% | 1,306 |
| Net loans and leases to deposits | 79.9621% | 2,205 |
| Net loans and leases to core deposits | 83.1944% | 2,658 |
| Total domestic deposits to total assets | 90.7409% | 667 |
| Equity capital to assets | 7.3209% | 6,842 |
| Core capital (leverage) ratio | 7.3762% | 6,699 |
| Tier 1 risk-based capital ratio | 10.3470% | 6,777 |
| Total risk-based capital ratio | 11.6028% | 6,778 |
| Memoranda: | ||
| Average total assets | $71,520,500 | 5,727 |
| Average earning assets | $65,974,500 | 5,687 |
| Average equity | $5,300,500 | 6,333 |
| Average total loans | $54,485,000 | 5,042 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6271% | 907 |
| Cost of funding earning assets | 1.1995% | 2,026 |
| Net interest margin | 4.4276% | 1,320 |
| Noninterest income to average assets | 0.3738% | 4,836 |
| Noninterest expense to average assets | 3.4783% | 2,038 |
| Loan and lease loss provision to assets | 0.0781% | 5,635 |
| Net operating income to assets | 0.8887% | 2,649 |
| Return on assets (ROA) | 0.8887% | 2,782 |
| Pretax return on assets | 0.8902% | 3,637 |
| Return on Equity (ROE) | 11.3271% | 1,612 |
| Retained earnings to average equity (ytd only) | 4.0372% | 3,321 |
| Net charge-offs to loans | 0.0722% | 5,595 |
| Credit loss provision to net charge-offs | 130.0000% | 2,358 |
| Earnings coverage of net charge-offs (x) | 16.1250% | 1,353 |
| Efficiency ratio | 78.2242% | 2,561 |
| Assets per employee ($millions) | 2.6494% | 6,663 |
| Cash dividends to net income (ytd only)* | 64.3581% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 4,250 |
| Loan loss allowance to noncurrent loans | 93.9954% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 1.2106% | 4,215 |
| Noncurrent loans to loans | 1.5394% | 3,843 |
| Net loans and leases to total assets | 77.5041% | 773 |
| Net loans and leases to deposits | 85.5254% | 1,728 |
| Net loans and leases to core deposits | 88.9861% | 2,253 |
| Total domestic deposits to total assets | 90.6211% | 656 |
| Equity capital to assets | 7.5014% | 6,810 |
| Core capital (leverage) ratio | 7.3547% | 6,723 |
| Tier 1 risk-based capital ratio | 9.9780% | 6,866 |
| Total risk-based capital ratio | 11.2311% | 6,857 |
| Memoranda: | ||
| Average total assets | $66,613,400 | 5,853 |
| Average earning assets | $61,274,800 | 5,827 |
| Average equity | $5,226,400 | 6,374 |
| Average total loans | $55,386,800 | 5,056 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7057% | 843 |
| Cost of funding earning assets | 1.2458% | 2,021 |
| Net interest margin | 4.4599% | 1,245 |
| Noninterest income to average assets | 0.3711% | 4,900 |
| Noninterest expense to average assets | 3.4177% | 2,147 |
| Loan and lease loss provision to assets | 0.0754% | 5,502 |
| Net operating income to assets | 0.9788% | 2,399 |
| Return on assets (ROA) | 0.9788% | 2,559 |
| Pretax return on assets | 0.9808% | 3,470 |
| Return on Equity (ROE) | 12.3275% | 1,456 |
| Retained earnings to average equity (ytd only) | 4.6742% | 3,402 |
| Net charge-offs to loans | 0.0749% | 5,215 |
| Credit loss provision to net charge-offs | 119.3548% | 2,732 |
| Earnings coverage of net charge-offs (x) | 16.7106% | 1,387 |
| Efficiency ratio | 76.3902% | 2,785 |
| Assets per employee ($millions) | 2.4816% | 6,911 |
| Cash dividends to net income (ytd only)* | 62.0832% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 4,427 |
| Loan loss allowance to noncurrent loans | 87.6356% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.3761% | 4,066 |
| Noncurrent loans to loans | 1.6304% | 3,853 |
| Net loans and leases to total assets | 83.1963% | 274 |
| Net loans and leases to deposits | 92.4951% | 971 |
| Net loans and leases to core deposits | 96.9528% | 1,513 |
| Total domestic deposits to total assets | 89.9467% | 894 |
| Equity capital to assets | 7.9922% | 6,696 |
| Core capital (leverage) ratio | 7.8127% | 6,550 |
| Tier 1 risk-based capital ratio | 9.7228% | 7,022 |
| Total risk-based capital ratio | 10.9763% | 7,017 |
| Memoranda: | ||
| Average total assets | $65,383,500 | 5,934 |
| Average earning assets | $60,148,750 | 5,900 |
| Average equity | $5,191,500 | 6,440 |
| Average total loans | $55,169,750 | 5,109 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6995% | 873 |
| Cost of funding earning assets | 1.2725% | 2,104 |
| Net interest margin | 4.4270% | 1,300 |
| Noninterest income to average assets | 0.3855% | 4,791 |
| Noninterest expense to average assets | 3.5038% | 1,967 |
| Loan and lease loss provision to assets | 0.0740% | 5,387 |
| Net operating income to assets | 0.8821% | 2,727 |
| Return on assets (ROA) | 0.8821% | 2,827 |
| Pretax return on assets | 0.8852% | 3,683 |
| Return on Equity (ROE) | 11.1349% | 1,752 |
| Retained earnings to average equity (ytd only) | 2.4917% | 4,699 |
| Net charge-offs to loans | -0.0110% | 6,702 |
| Credit loss provision to net charge-offs | -800.0000% | 6,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5073% | 2,628 |
| Assets per employee ($millions) | 2.5300% | 6,876 |
| Cash dividends to net income (ytd only)* | 77.6224% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 4,202 |
| Loan loss allowance to noncurrent loans | 147.5089% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.8227% | 5,238 |
| Noncurrent loans to loans | 1.0064% | 4,984 |
| Net loans and leases to total assets | 80.5317% | 489 |
| Net loans and leases to deposits | 89.9889% | 1,275 |
| Net loans and leases to core deposits | 93.8467% | 1,910 |
| Total domestic deposits to total assets | 89.4907% | 1,249 |
| Equity capital to assets | 7.6269% | 6,889 |
| Core capital (leverage) ratio | 7.4613% | 6,768 |
| Tier 1 risk-based capital ratio | 9.7401% | 7,047 |
| Total risk-based capital ratio | 10.9944% | 7,044 |
| Memoranda: | ||
| Average total assets | $64,843,670 | 5,987 |
| Average earning assets | $59,724,670 | 5,966 |
| Average equity | $5,137,000 | 6,489 |
| Average total loans | $54,709,000 | 5,182 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7171% | 849 |
| Cost of funding earning assets | 1.2950% | 2,208 |
| Net interest margin | 4.4221% | 1,234 |
| Noninterest income to average assets | 0.3930% | 4,764 |
| Noninterest expense to average assets | 3.6444% | 1,664 |
| Loan and lease loss provision to assets | 0.0761% | 5,047 |
| Net operating income to assets | 0.7352% | 3,345 |
| Return on assets (ROA) | 0.7352% | 3,411 |
| Pretax return on assets | 0.7416% | 4,141 |
| Return on Equity (ROE) | 9.0971% | 2,441 |
| Retained earnings to average equity (ytd only) | -1.0979% | 6,005 |
| Net charge-offs to loans | -0.0148% | 6,474 |
| Credit loss provision to net charge-offs | -600.0000% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6761% | 2,275 |
| Assets per employee ($millions) | 2.3538% | 7,140 |
| Cash dividends to net income (ytd only)* | 112.0690% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 4,187 |
| Loan loss allowance to noncurrent loans | 143.6620% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.8938% | 5,119 |
| Noncurrent loans to loans | 1.0469% | 4,961 |
| Net loans and leases to total assets | 84.0902% | 222 |
| Net loans and leases to deposits | 94.6411% | 772 |
| Net loans and leases to core deposits | 99.0822% | 1,424 |
| Total domestic deposits to total assets | 88.8516% | 1,868 |
| Equity capital to assets | 8.0139% | 6,483 |
| Core capital (leverage) ratio | 8.0298% | 6,220 |
| Tier 1 risk-based capital ratio | 9.9001% | 7,037 |
| Total risk-based capital ratio | 11.1693% | 7,034 |
| Memoranda: | ||
| Average total assets | $63,110,000 | 6,089 |
| Average earning assets | $58,071,500 | 6,065 |
| Average equity | $5,100,500 | 6,520 |
| Average total loans | $54,143,000 | 5,249 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1513% | 630 |
| Cost of funding earning assets | 1.3608% | 3,509 |
| Net interest margin | 4.7906% | 672 |
| Noninterest income to average assets | 0.3670% | 5,172 |
| Noninterest expense to average assets | 3.8439% | 1,409 |
| Loan and lease loss provision to assets | 0.4828% | 3,243 |
| Net operating income to assets | 0.4332% | 4,397 |
| Return on assets (ROA) | 0.4332% | 4,544 |
| Pretax return on assets | 0.4348% | 4,836 |
| Return on Equity (ROE) | 5.1228% | 4,016 |
| Retained earnings to average equity (ytd only) | -3.3435% | 6,135 |
| Net charge-offs to loans | 0.0956% | 5,893 |
| Credit loss provision to net charge-offs | 572.5490% | 387 |
| Earnings coverage of net charge-offs (x) | 10.8824% | 1,662 |
| Efficiency ratio | 80.7292% | 2,314 |
| Assets per employee ($millions) | 2.3210% | 7,199 |
| Cash dividends to net income (ytd only)* | 165.2672% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 4,100 |
| Loan loss allowance to noncurrent loans | 143.7276% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.8904% | 5,235 |
| Noncurrent loans to loans | 1.0328% | 5,005 |
| Net loans and leases to total assets | 84.9349% | 245 |
| Net loans and leases to deposits | 96.5779% | 813 |
| Net loans and leases to core deposits | 101.7744% | 1,473 |
| Total domestic deposits to total assets | 87.9444% | 2,282 |
| Equity capital to assets | 8.1509% | 6,322 |
| Core capital (leverage) ratio | 7.7418% | 6,503 |
| Tier 1 risk-based capital ratio | 9.8587% | 7,035 |
| Total risk-based capital ratio | 11.1287% | 7,024 |
| Memoranda: | ||
| Average total assets | $60,485,800 | 6,178 |
| Average earning assets | $55,484,000 | 6,152 |
| Average equity | $5,114,400 | 6,632 |
| Average total loans | $53,327,200 | 5,342 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1703% | 655 |
| Cost of funding earning assets | 1.3482% | 3,911 |
| Net interest margin | 4.8220% | 647 |
| Noninterest income to average assets | 0.3514% | 5,359 |
| Noninterest expense to average assets | 3.7014% | 1,563 |
| Loan and lease loss provision to assets | 0.6050% | 2,519 |
| Net operating income to assets | 0.4582% | 4,498 |
| Return on assets (ROA) | 0.4582% | 4,684 |
| Pretax return on assets | 0.4604% | 5,043 |
| Return on Equity (ROE) | 5.3686% | 4,098 |
| Retained earnings to average equity (ytd only) | -5.7596% | 6,613 |
| Net charge-offs to loans | 0.0201% | 6,394 |
| Credit loss provision to net charge-offs | 3,400.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 59.8547% | 487 |
| Efficiency ratio | 77.6482% | 2,669 |
| Assets per employee ($millions) | 2.2480% | 7,348 |
| Cash dividends to net income (ytd only)* | 207.2817% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 3,852 |
| Loan loss allowance to noncurrent loans | 107.5619% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 1.3905% | 4,375 |
| Noncurrent loans to loans | 1.4169% | 4,492 |
| Net loans and leases to total assets | 87.8295% | 115 |
| Net loans and leases to deposits | 100.3048% | 639 |
| Net loans and leases to core deposits | 108.7828% | 1,106 |
| Total domestic deposits to total assets | 87.5626% | 2,230 |
| Equity capital to assets | 8.3729% | 6,425 |
| Core capital (leverage) ratio | 8.3020% | 5,868 |
| Tier 1 risk-based capital ratio | 9.6069% | 7,221 |
| Total risk-based capital ratio | 10.8646% | 7,214 |
| Memoranda: | ||
| Average total assets | $59,940,250 | 6,273 |
| Average earning assets | $54,885,500 | 6,244 |
| Average equity | $5,116,000 | 6,713 |
| Average total loans | $53,151,750 | 5,429 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0840% | 781 |
| Cost of funding earning assets | 1.3123% | 4,460 |
| Net interest margin | 4.7717% | 694 |
| Noninterest income to average assets | 0.3485% | 5,360 |
| Noninterest expense to average assets | 3.6389% | 1,684 |
| Loan and lease loss provision to assets | 0.9114% | 1,596 |
| Net operating income to assets | 0.1809% | 5,629 |
| Return on assets (ROA) | 0.1809% | 5,748 |
| Pretax return on assets | 0.1843% | 5,805 |
| Return on Equity (ROE) | 2.1064% | 5,605 |
| Retained earnings to average equity (ytd only) | -14.5495% | 7,089 |
| Net charge-offs to loans | 0.0189% | 6,077 |
| Credit loss provision to net charge-offs | 5,440.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 65.4000% | 476 |
| Efficiency ratio | 76.8577% | 2,921 |
| Assets per employee ($millions) | 2.3283% | 7,325 |
| Cash dividends to net income (ytd only)* | 790.7407% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5220% | 3,810 |
| Loan loss allowance to noncurrent loans | 119.8263% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 1.2654% | 4,614 |
| Noncurrent loans to loans | 1.2702% | 4,845 |
| Net loans and leases to total assets | 88.5011% | 109 |
| Net loans and leases to deposits | 102.1060% | 589 |
| Net loans and leases to core deposits | 110.8571% | 1,111 |
| Total domestic deposits to total assets | 86.6757% | 2,717 |
| Equity capital to assets | 8.1373% | 6,615 |
| Core capital (leverage) ratio | 7.8376% | 6,455 |
| Tier 1 risk-based capital ratio | 9.4179% | 7,297 |
| Total risk-based capital ratio | 10.6775% | 7,296 |
| Memoranda: | ||
| Average total assets | $59,688,330 | 6,321 |
| Average earning assets | $54,865,670 | 6,286 |
| Average equity | $5,127,330 | 6,742 |
| Average total loans | $52,824,330 | 5,476 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0324% | 917 |
| Cost of funding earning assets | 1.3251% | 4,653 |
| Net interest margin | 4.7073% | 772 |
| Noninterest income to average assets | 0.3847% | 5,048 |
| Noninterest expense to average assets | 3.4624% | 2,075 |
| Loan and lease loss provision to assets | 0.0810% | 5,831 |
| Net operating income to assets | 1.1744% | 1,603 |
| Return on assets (ROA) | 1.1744% | 1,685 |
| Pretax return on assets | 1.1811% | 2,433 |
| Return on Equity (ROE) | 13.3129% | 1,190 |
| Retained earnings to average equity (ytd only) | -11.1706% | 7,025 |
| Net charge-offs to loans | 0.0538% | 4,865 |
| Credit loss provision to net charge-offs | 171.4286% | 2,113 |
| Earnings coverage of net charge-offs (x) | 26.7143% | 948 |
| Efficiency ratio | 73.2857% | 3,706 |
| Assets per employee ($millions) | 2.4278% | 7,298 |
| Cash dividends to net income (ytd only)* | 183.9080% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 6,092 |
| Loan loss allowance to noncurrent loans | 91.1433% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 1.1962% | 4,782 |
| Noncurrent loans to loans | 1.1884% | 4,986 |
| Net loans and leases to total assets | 88.7074% | 103 |
| Net loans and leases to deposits | 108.3265% | 333 |
| Net loans and leases to core deposits | 122.1650% | 703 |
| Total domestic deposits to total assets | 81.8889% | 5,122 |
| Equity capital to assets | 8.8453% | 5,475 |
| Core capital (leverage) ratio | 8.8275% | 4,822 |
| Tier 1 risk-based capital ratio | 10.2241% | 6,871 |
| Total risk-based capital ratio | 11.3506% | 6,957 |
| Memoranda: | ||
| Average total assets | $59,264,500 | 6,416 |
| Average earning assets | $54,638,000 | 6,373 |
| Average equity | $5,228,000 | 6,769 |
| Average total loans | $52,035,000 | 5,583 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2718% | 1,075 |
| Cost of funding earning assets | 1.5584% | 5,235 |
| Net interest margin | 4.7134% | 814 |
| Noninterest income to average assets | 0.4690% | 4,659 |
| Noninterest expense to average assets | 3.5675% | 2,227 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2361% | 1,163 |
| Return on assets (ROA) | 1.2361% | 1,216 |
| Pretax return on assets | 1.2377% | 1,853 |
| Return on Equity (ROE) | 14.2383% | 747 |
| Retained earnings to average equity (ytd only) | 4.2059% | 2,274 |
| Net charge-offs to loans | 0.0720% | 6,388 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 19.9730% | 1,060 |
| Efficiency ratio | 74.2419% | 3,848 |
| Assets per employee ($millions) | 2.5109% | 7,192 |
| Cash dividends to net income (ytd only)* | 70.4607% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 5,981 |
| Loan loss allowance to noncurrent loans | 94.1275% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 1.1151% | 4,859 |
| Noncurrent loans to loans | 1.1502% | 5,032 |
| Net loans and leases to total assets | 85.0550% | 346 |
| Net loans and leases to deposits | 97.8578% | 1,120 |
| Net loans and leases to core deposits | 113.7181% | 2,529 |
| Total domestic deposits to total assets | 86.9169% | 2,555 |
| Equity capital to assets | 8.7984% | 5,442 |
| Core capital (leverage) ratio | 8.5929% | 5,109 |
| Tier 1 risk-based capital ratio | 10.4251% | 6,469 |
| Total risk-based capital ratio | 11.5321% | 6,579 |
| Memoranda: | ||
| Average total assets | $59,705,400 | 6,361 |
| Average earning assets | $54,928,400 | 6,339 |
| Average equity | $5,183,200 | 6,878 |
| Average total loans | $51,385,800 | 5,611 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2933% | 1,150 |
| Cost of funding earning assets | 1.6014% | 5,397 |
| Net interest margin | 4.6919% | 840 |
| Noninterest income to average assets | 0.4835% | 4,637 |
| Noninterest expense to average assets | 3.3306% | 2,807 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4594% | 901 |
| Return on assets (ROA) | 1.4594% | 957 |
| Pretax return on assets | 1.4616% | 1,514 |
| Return on Equity (ROE) | 16.8683% | 560 |
| Retained earnings to average equity (ytd only) | 5.3814% | 2,266 |
| Net charge-offs to loans | 0.0650% | 6,042 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 26.1218% | 1,029 |
| Efficiency ratio | 69.5002% | 4,694 |
| Assets per employee ($millions) | 2.4394% | 7,324 |
| Cash dividends to net income (ytd only)* | 68.0988% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 5,669 |
| Loan loss allowance to noncurrent loans | 209.1241% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.6064% | 5,932 |
| Noncurrent loans to loans | 0.5305% | 6,249 |
| Net loans and leases to total assets | 87.2440% | 255 |
| Net loans and leases to deposits | 104.5396% | 735 |
| Net loans and leases to core deposits | 121.9545% | 2,075 |
| Total domestic deposits to total assets | 83.4555% | 3,987 |
| Equity capital to assets | 9.0392% | 5,429 |
| Core capital (leverage) ratio | 8.8722% | 4,860 |
| Tier 1 risk-based capital ratio | 10.4644% | 6,508 |
| Total risk-based capital ratio | 11.6015% | 6,562 |
| Memoranda: | ||
| Average total assets | $59,566,500 | 6,404 |
| Average earning assets | $54,702,250 | 6,391 |
| Average equity | $5,153,500 | 6,950 |
| Average total loans | $51,278,250 | 5,656 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3268% | 1,145 |
| Cost of funding earning assets | 1.6144% | 5,688 |
| Net interest margin | 4.7124% | 779 |
| Noninterest income to average assets | 0.4908% | 4,525 |
| Noninterest expense to average assets | 3.3385% | 2,830 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4756% | 882 |
| Return on assets (ROA) | 1.4756% | 946 |
| Pretax return on assets | 1.4790% | 1,503 |
| Return on Equity (ROE) | 17.3085% | 552 |
| Retained earnings to average equity (ytd only) | 3.3285% | 3,474 |
| Net charge-offs to loans | 0.0743% | 5,463 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 23.3158% | 1,187 |
| Efficiency ratio | 69.3001% | 4,920 |
| Assets per employee ($millions) | 2.5900% | 7,076 |
| Cash dividends to net income (ytd only)* | 80.7692% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 5,449 |
| Loan loss allowance to noncurrent loans | 111.5607% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 1.0328% | 4,905 |
| Noncurrent loans to loans | 1.0048% | 5,198 |
| Net loans and leases to total assets | 82.1606% | 931 |
| Net loans and leases to deposits | 97.1227% | 1,648 |
| Net loans and leases to core deposits | 110.5098% | 3,324 |
| Total domestic deposits to total assets | 84.5946% | 3,446 |
| Equity capital to assets | 8.3012% | 6,330 |
| Core capital (leverage) ratio | 8.2755% | 5,849 |
| Tier 1 risk-based capital ratio | 9.9273% | 7,011 |
| Total risk-based capital ratio | 11.0434% | 7,090 |
| Memoranda: | ||
| Average total assets | $59,907,000 | 6,450 |
| Average earning assets | $55,004,330 | 6,428 |
| Average equity | $5,107,330 | 7,021 |
| Average total loans | $51,154,330 | 5,711 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3897% | 1,086 |
| Cost of funding earning assets | 1.6604% | 5,774 |
| Net interest margin | 4.7293% | 723 |
| Noninterest income to average assets | 0.4219% | 5,027 |
| Noninterest expense to average assets | 3.3140% | 2,616 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4427% | 1,056 |
| Return on assets (ROA) | 1.4427% | 1,133 |
| Pretax return on assets | 1.4495% | 1,815 |
| Return on Equity (ROE) | 16.6896% | 726 |
| Retained earnings to average equity (ytd only) | 0.9447% | 5,270 |
| Net charge-offs to loans | 0.0471% | 4,821 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 35.5000% | 935 |
| Efficiency ratio | 69.5714% | 4,662 |
| Assets per employee ($millions) | 2.4112% | 7,438 |
| Cash dividends to net income (ytd only)* | 94.3396% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 5,097 |
| Loan loss allowance to noncurrent loans | 104.7788% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 1.0524% | 4,584 |
| Noncurrent loans to loans | 1.1009% | 4,784 |
| Net loans and leases to total assets | 87.6616% | 296 |
| Net loans and leases to deposits | 106.9264% | 797 |
| Net loans and leases to core deposits | 123.5581% | 2,105 |
| Total domestic deposits to total assets | 81.9831% | 4,552 |
| Equity capital to assets | 8.7890% | 5,639 |
| Core capital (leverage) ratio | 8.9142% | 4,845 |
| Tier 1 risk-based capital ratio | 10.0666% | 6,839 |
| Total risk-based capital ratio | 11.2404% | 6,838 |
| Memoranda: | ||
| Average total assets | $58,780,500 | 6,514 |
| Average earning assets | $53,962,000 | 6,503 |
| Average equity | $5,081,000 | 7,083 |
| Average total loans | $50,906,500 | 5,763 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2331% | 687 |
| Cost of funding earning assets | 2.2161% | 5,526 |
| Net interest margin | 5.0170% | 488 |
| Noninterest income to average assets | 0.5293% | 4,395 |
| Noninterest expense to average assets | 3.4678% | 2,478 |
| Loan and lease loss provision to assets | 0.4865% | 2,869 |
| Net operating income to assets | 1.1601% | 1,907 |
| Return on assets (ROA) | 1.1601% | 1,838 |
| Pretax return on assets | 1.1619% | 2,798 |
| Return on Equity (ROE) | 13.8070% | 1,149 |
| Retained earnings to average equity (ytd only) | -0.2121% | 5,348 |
| Net charge-offs to loans | 0.0478% | 6,105 |
| Credit loss provision to net charge-offs | 1,186.9565% | 378 |
| Earnings coverage of net charge-offs (x) | 40.2174% | 926 |
| Efficiency ratio | 67.7813% | 4,759 |
| Assets per employee ($millions) | 2.4872% | 7,222 |
| Cash dividends to net income (ytd only)* | 101.5361% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 4,668 |
| Loan loss allowance to noncurrent loans | 109.7248% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.9867% | 4,366 |
| Noncurrent loans to loans | 1.0794% | 4,410 |
| Net loans and leases to total assets | 83.5860% | 954 |
| Net loans and leases to deposits | 100.9918% | 1,707 |
| Net loans and leases to core deposits | 109.5726% | 3,808 |
| Total domestic deposits to total assets | 82.7651% | 3,868 |
| Equity capital to assets | 8.5035% | 6,072 |
| Core capital (leverage) ratio | 8.6627% | 5,262 |
| Tier 1 risk-based capital ratio | 9.9966% | 6,739 |
| Total risk-based capital ratio | 11.1769% | 6,702 |
| Memoranda: | ||
| Average total assets | $56,116,800 | 6,521 |
| Average earning assets | $51,305,600 | 6,535 |
| Average equity | $4,715,000 | 7,248 |
| Average total loans | $48,121,600 | 5,781 |