Home > The Citizens National Bank of Lebanon > Performance and Condition Ratios
The Citizens National Bank of Lebanon, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5767% | 2,953 |
| Cost of funding earning assets | 1.4348% | 2,129 |
| Net interest margin | 3.1419% | 3,000 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.1343% | 3,312 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.2965% | 1,442 |
| Return on assets (ROA) | 1.2965% | 1,411 |
| Pretax return on assets | 1.2965% | 1,876 |
| Return on Equity (ROE) | 43.3000% | 72 |
| Retained earnings to average equity (ytd only) | 22.9613% | 94 |
| Net charge-offs to loans | 0.0120% | 2,200 |
| Credit loss provision to net charge-offs | 220.0000% | 1,153 |
| Earnings coverage of net charge-offs (x) | 407.6000% | 347 |
| Efficiency ratio | 62.0837% | 2,823 |
| Assets per employee ($millions) | 5.9266% | 2,881 |
| Cash dividends to net income (ytd only)* | 46.9660% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9078% | 3,683 |
| Loan loss allowance to noncurrent loans | 261.6438% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 2,918 |
| Noncurrent loans to loans | 0.3470% | 1,939 |
| Net loans and leases to total assets | 26.0600% | 4,351 |
| Net loans and leases to deposits | 27.7626% | 4,378 |
| Net loans and leases to core deposits | 28.4722% | 4,410 |
| Total domestic deposits to total assets | 93.8600% | 115 |
| Equity capital to assets | 4.2089% | 4,489 |
| Core capital (leverage) ratio | 11.4809% | 1,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1775% | 239 |
| Memoranda: | ||
| Average total assets | $156,349,400 | 3,307 |
| Average earning assets | $147,683,600 | 3,268 |
| Average equity | $4,681,800 | 4,289 |
| Average total loans | $41,503,600 | 3,969 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5235% | 2,857 |
| Cost of funding earning assets | 1.1956% | 2,444 |
| Net interest margin | 3.3280% | 2,626 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.1745% | 3,144 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.3922% | 1,340 |
| Return on assets (ROA) | 1.3922% | 1,325 |
| Pretax return on assets | 1.3922% | 1,797 |
| Return on Equity (ROE) | 51.9100% | 68 |
| Retained earnings to average equity (ytd only) | 29.9381% | 91 |
| Net charge-offs to loans | 0.0161% | 1,821 |
| Credit loss provision to net charge-offs | 160.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 326.2000% | 420 |
| Efficiency ratio | 60.8497% | 2,867 |
| Assets per employee ($millions) | 5.6749% | 3,045 |
| Cash dividends to net income (ytd only)* | 42.3290% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9014% | 3,731 |
| Loan loss allowance to noncurrent loans | 239.8734% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 2,887 |
| Noncurrent loans to loans | 0.3758% | 1,887 |
| Net loans and leases to total assets | 27.1900% | 4,359 |
| Net loans and leases to deposits | 28.3617% | 4,397 |
| Net loans and leases to core deposits | 28.9370% | 4,396 |
| Total domestic deposits to total assets | 95.8800% | 85 |
| Equity capital to assets | 2.1329% | 4,538 |
| Core capital (leverage) ratio | 11.1911% | 1,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4435% | 263 |
| Memoranda: | ||
| Average total assets | $155,432,500 | 3,324 |
| Average earning assets | $146,872,750 | 3,288 |
| Average equity | $4,168,500 | 4,350 |
| Average total loans | $41,359,750 | 3,980 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 2,957 |
| Cost of funding earning assets | 0.7677% | 3,306 |
| Net interest margin | 3.6038% | 2,031 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.1605% | 3,190 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.6725% | 828 |
| Return on assets (ROA) | 1.6725% | 832 |
| Pretax return on assets | 1.6725% | 1,271 |
| Return on Equity (ROE) | 58.4500% | 50 |
| Retained earnings to average equity (ytd only) | 36.1182% | 58 |
| Net charge-offs to loans | 0.0195% | 1,506 |
| Credit loss provision to net charge-offs | 150.0000% | 1,198 |
| Earnings coverage of net charge-offs (x) | 328.0000% | 423 |
| Efficiency ratio | 56.2521% | 3,390 |
| Assets per employee ($millions) | 6.3169% | 2,457 |
| Cash dividends to net income (ytd only)* | 38.2083% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 3,683 |
| Loan loss allowance to noncurrent loans | 274.4526% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 2,955 |
| Noncurrent loans to loans | 0.3395% | 1,913 |
| Net loans and leases to total assets | 24.3400% | 4,416 |
| Net loans and leases to deposits | 25.5407% | 4,442 |
| Net loans and leases to core deposits | 26.0242% | 4,440 |
| Total domestic deposits to total assets | 95.2900% | 80 |
| Equity capital to assets | 2.8525% | 4,572 |
| Core capital (leverage) ratio | 10.9900% | 1,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6073% | 250 |
| Memoranda: | ||
| Average total assets | $156,169,333 | 3,338 |
| Average earning assets | $147,456,000 | 3,299 |
| Average equity | $4,468,667 | 4,343 |
| Average total loans | $41,131,000 | 3,999 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2971% | 2,810 |
| Cost of funding earning assets | 0.6789% | 3,126 |
| Net interest margin | 3.6182% | 2,084 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.1823% | 3,142 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.6722% | 867 |
| Return on assets (ROA) | 1.6722% | 866 |
| Pretax return on assets | 1.6722% | 1,337 |
| Return on Equity (ROE) | 58.3400% | 61 |
| Retained earnings to average equity (ytd only) | 37.7021% | 71 |
| Net charge-offs to loans | 0.0289% | 1,121 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 213.0000% | 490 |
| Efficiency ratio | 56.5010% | 3,356 |
| Assets per employee ($millions) | 5.8797% | 2,867 |
| Cash dividends to net income (ytd only)* | 35.3774% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 3,808 |
| Loan loss allowance to noncurrent loans | 287.6923% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 2,951 |
| Noncurrent loans to loans | 0.3187% | 2,001 |
| Net loans and leases to total assets | 26.4400% | 4,435 |
| Net loans and leases to deposits | 27.8306% | 4,483 |
| Net loans and leases to core deposits | 28.2396% | 4,481 |
| Total domestic deposits to total assets | 94.9900% | 90 |
| Equity capital to assets | 3.1837% | 4,592 |
| Core capital (leverage) ratio | 11.4589% | 1,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3045% | 275 |
| Memoranda: | ||
| Average total assets | $152,134,000 | 3,405 |
| Average earning assets | $143,165,500 | 3,372 |
| Average equity | $4,360,500 | 4,414 |
| Average total loans | $41,521,500 | 4,040 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1171% | 3,961 |
| Cost of funding earning assets | 0.3001% | 2,875 |
| Net interest margin | 2.8170% | 3,859 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 1.9447% | 3,735 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.1543% | 1,952 |
| Return on assets (ROA) | 1.1537% | 1,895 |
| Pretax return on assets | 1.1537% | 2,590 |
| Return on Equity (ROE) | 26.4500% | 165 |
| Retained earnings to average equity (ytd only) | 15.5274% | 250 |
| Net charge-offs to loans | 0.0050% | 2,249 |
| Credit loss provision to net charge-offs | 600.0000% | 599 |
| Earnings coverage of net charge-offs (x) | 908.5000% | 194 |
| Efficiency ratio | 62.5978% | 2,689 |
| Assets per employee ($millions) | 5.8229% | 2,926 |
| Cash dividends to net income (ytd only)* | 41.2971% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 3,473 |
| Loan loss allowance to noncurrent loans | 106.1538% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 1,872 |
| Noncurrent loans to loans | 0.9230% | 802 |
| Net loans and leases to total assets | 27.6400% | 4,443 |
| Net loans and leases to deposits | 28.9133% | 4,490 |
| Net loans and leases to core deposits | 29.1736% | 4,496 |
| Total domestic deposits to total assets | 95.5900% | 101 |
| Equity capital to assets | 2.5456% | 4,626 |
| Core capital (leverage) ratio | 11.0329% | 1,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0381% | 282 |
| Memoranda: | ||
| Average total assets | $156,372,800 | 3,378 |
| Average earning assets | $147,606,400 | 3,348 |
| Average equity | $6,820,200 | 4,235 |
| Average total loans | $39,827,800 | 4,069 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8508% | 4,127 |
| Cost of funding earning assets | 0.2461% | 2,746 |
| Net interest margin | 2.6047% | 4,091 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.9955% | 3,494 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8984% | 2,871 |
| Return on assets (ROA) | 0.8975% | 2,853 |
| Pretax return on assets | 0.8975% | 3,323 |
| Return on Equity (ROE) | 18.7100% | 557 |
| Retained earnings to average equity (ytd only) | 9.3979% | 1,519 |
| Net charge-offs to loans | -0.0068% | 3,578 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.7755% | 1,918 |
| Assets per employee ($millions) | 5.6507% | 3,079 |
| Cash dividends to net income (ytd only)* | 49.7644% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 3,497 |
| Loan loss allowance to noncurrent loans | 132.5879% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 2,239 |
| Noncurrent loans to loans | 0.7527% | 1,081 |
| Net loans and leases to total assets | 26.9900% | 4,484 |
| Net loans and leases to deposits | 28.4605% | 4,522 |
| Net loans and leases to core deposits | 28.6670% | 4,527 |
| Total domestic deposits to total assets | 94.8200% | 244 |
| Equity capital to assets | 1.6360% | 4,671 |
| Core capital (leverage) ratio | 10.6636% | 1,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9347% | 288 |
| Memoranda: | ||
| Average total assets | $157,617,000 | 3,392 |
| Average earning assets | $148,960,000 | 3,358 |
| Average equity | $7,561,750 | 4,185 |
| Average total loans | $39,221,000 | 4,098 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5948% | 4,278 |
| Cost of funding earning assets | 0.1979% | 2,940 |
| Net interest margin | 2.3969% | 4,229 |
| Noninterest income to average assets | 0.4507% | 2,443 |
| Noninterest expense to average assets | 1.9347% | 3,618 |
| Loan and lease loss provision to assets | 0.0075% | 2,465 |
| Net operating income to assets | 0.7746% | 3,048 |
| Return on assets (ROA) | 0.7734% | 3,015 |
| Pretax return on assets | 0.7734% | 3,393 |
| Return on Equity (ROE) | 13.3184% | 1,286 |
| Retained earnings to average equity (ytd only) | 5.1025% | 2,670 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2107% | 1,805 |
| Assets per employee ($millions) | 5.8010% | 2,919 |
| Cash dividends to net income (ytd only)* | 61.6883% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 3,484 |
| Loan loss allowance to noncurrent loans | 140.8935% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 2,429 |
| Noncurrent loans to loans | 0.7283% | 1,185 |
| Net loans and leases to total assets | 25.2496% | 4,574 |
| Net loans and leases to deposits | 26.7821% | 4,603 |
| Net loans and leases to core deposits | 26.9724% | 4,612 |
| Total domestic deposits to total assets | 94.2782% | 236 |
| Equity capital to assets | 2.3712% | 4,711 |
| Core capital (leverage) ratio | 9.7676% | 2,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5593% | 279 |
| Memoranda: | ||
| Average total assets | $159,299,667 | 3,417 |
| Average earning assets | $150,608,667 | 3,393 |
| Average equity | $9,250,333 | 4,079 |
| Average total loans | $38,432,667 | 4,166 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4635% | 4,309 |
| Cost of funding earning assets | 0.1948% | 2,869 |
| Net interest margin | 2.2688% | 4,277 |
| Noninterest income to average assets | 0.4183% | 2,567 |
| Noninterest expense to average assets | 1.9323% | 3,604 |
| Loan and lease loss provision to assets | 0.0075% | 2,177 |
| Net operating income to assets | 0.6250% | 3,314 |
| Return on assets (ROA) | 0.6225% | 3,302 |
| Pretax return on assets | 0.6225% | 3,572 |
| Return on Equity (ROE) | 8.3205% | 2,575 |
| Retained earnings to average equity (ytd only) | 2.3963% | 3,435 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3398% | 1,596 |
| Assets per employee ($millions) | 6.3102% | 2,547 |
| Cash dividends to net income (ytd only)* | 71.2000% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 3,463 |
| Loan loss allowance to noncurrent loans | 137.0370% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 2,532 |
| Noncurrent loans to loans | 0.7794% | 1,221 |
| Net loans and leases to total assets | 22.9769% | 4,631 |
| Net loans and leases to deposits | 25.1225% | 4,653 |
| Net loans and leases to core deposits | 25.3509% | 4,656 |
| Total domestic deposits to total assets | 91.4595% | 822 |
| Equity capital to assets | 5.3503% | 4,681 |
| Core capital (leverage) ratio | 9.5838% | 2,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8654% | 271 |
| Memoranda: | ||
| Average total assets | $160,635,500 | 3,416 |
| Average earning assets | $151,976,500 | 3,388 |
| Average equity | $12,018,500 | 3,863 |
| Average total loans | $37,670,000 | 4,198 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9211% | 4,016 |
| Cost of funding earning assets | 0.1985% | 3,480 |
| Net interest margin | 2.7226% | 3,834 |
| Noninterest income to average assets | 0.4000% | 3,047 |
| Noninterest expense to average assets | 1.9915% | 3,699 |
| Loan and lease loss provision to assets | 0.0079% | 2,927 |
| Net operating income to assets | 0.9681% | 2,804 |
| Return on assets (ROA) | 0.9865% | 2,797 |
| Pretax return on assets | 0.9865% | 3,296 |
| Return on Equity (ROE) | 10.0631% | 2,501 |
| Retained earnings to average equity (ytd only) | 5.7878% | 2,448 |
| Net charge-offs to loans | -0.0051% | 3,559 |
| Credit loss provision to net charge-offs | -600.0000% | 3,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1108% | 2,109 |
| Assets per employee ($millions) | 6.0464% | 2,720 |
| Cash dividends to net income (ytd only)* | 42.4850% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 3,416 |
| Loan loss allowance to noncurrent loans | 141.2587% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 2,665 |
| Noncurrent loans to loans | 0.7681% | 1,321 |
| Net loans and leases to total assets | 23.4291% | 4,663 |
| Net loans and leases to deposits | 26.9411% | 4,674 |
| Net loans and leases to core deposits | 27.2100% | 4,683 |
| Total domestic deposits to total assets | 86.9642% | 2,536 |
| Equity capital to assets | 9.7064% | 2,936 |
| Core capital (leverage) ratio | 10.1187% | 2,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6609% | 267 |
| Memoranda: | ||
| Average total assets | $151,743,800 | 3,467 |
| Average earning assets | $143,097,400 | 3,442 |
| Average equity | $14,876,200 | 3,649 |
| Average total loans | $38,896,000 | 4,215 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9048% | 4,167 |
| Cost of funding earning assets | 0.2012% | 3,593 |
| Net interest margin | 2.7036% | 3,964 |
| Noninterest income to average assets | 0.3848% | 3,178 |
| Noninterest expense to average assets | 2.0233% | 3,600 |
| Loan and lease loss provision to assets | 0.0080% | 2,821 |
| Net operating income to assets | 0.9026% | 3,244 |
| Return on assets (ROA) | 0.9239% | 3,242 |
| Pretax return on assets | 0.9239% | 3,643 |
| Return on Equity (ROE) | 9.3995% | 2,966 |
| Retained earnings to average equity (ytd only) | 5.6109% | 2,995 |
| Net charge-offs to loans | -0.0068% | 3,531 |
| Credit loss provision to net charge-offs | -450.0000% | 3,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9634% | 1,710 |
| Assets per employee ($millions) | 5.6521% | 3,038 |
| Cash dividends to net income (ytd only)* | 40.3071% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 3,609 |
| Loan loss allowance to noncurrent loans | 145.8182% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 2,911 |
| Noncurrent loans to loans | 0.7285% | 1,536 |
| Net loans and leases to total assets | 24.4728% | 4,736 |
| Net loans and leases to deposits | 28.4299% | 4,731 |
| Net loans and leases to core deposits | 28.7249% | 4,750 |
| Total domestic deposits to total assets | 86.0812% | 2,716 |
| Equity capital to assets | 9.8312% | 3,080 |
| Core capital (leverage) ratio | 10.0998% | 2,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4401% | 288 |
| Memoranda: | ||
| Average total assets | $150,378,250 | 3,515 |
| Average earning assets | $141,785,000 | 3,489 |
| Average equity | $14,780,500 | 3,706 |
| Average total loans | $39,311,000 | 4,265 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8356% | 4,300 |
| Cost of funding earning assets | 0.2027% | 3,721 |
| Net interest margin | 2.6328% | 4,111 |
| Noninterest income to average assets | 0.3742% | 3,243 |
| Noninterest expense to average assets | 2.0423% | 3,569 |
| Loan and lease loss provision to assets | 0.0080% | 2,754 |
| Net operating income to assets | 0.8060% | 3,494 |
| Return on assets (ROA) | 0.8073% | 3,562 |
| Pretax return on assets | 0.8073% | 3,856 |
| Return on Equity (ROE) | 8.2141% | 3,342 |
| Retained earnings to average equity (ytd only) | 4.2703% | 3,436 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5021% | 1,478 |
| Assets per employee ($millions) | 5.8093% | 2,798 |
| Cash dividends to net income (ytd only)* | 48.0132% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 3,773 |
| Loan loss allowance to noncurrent loans | 147.7612% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.1709% | 3,128 |
| Noncurrent loans to loans | 0.6862% | 1,710 |
| Net loans and leases to total assets | 24.6468% | 4,774 |
| Net loans and leases to deposits | 28.5542% | 4,778 |
| Net loans and leases to core deposits | 28.8306% | 4,790 |
| Total domestic deposits to total assets | 86.3158% | 2,618 |
| Equity capital to assets | 9.4828% | 3,348 |
| Core capital (leverage) ratio | 9.6861% | 2,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4391% | 284 |
| Memoranda: | ||
| Average total assets | $149,635,667 | 3,529 |
| Average earning assets | $141,064,667 | 3,502 |
| Average equity | $14,706,333 | 3,717 |
| Average total loans | $39,832,000 | 4,283 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7478% | 4,433 |
| Cost of funding earning assets | 0.2096% | 3,836 |
| Net interest margin | 2.5382% | 4,249 |
| Noninterest income to average assets | 0.3780% | 3,206 |
| Noninterest expense to average assets | 2.0736% | 3,499 |
| Loan and lease loss provision to assets | 0.0082% | 2,665 |
| Net operating income to assets | 0.6848% | 3,747 |
| Return on assets (ROA) | 0.6930% | 3,787 |
| Pretax return on assets | 0.6930% | 4,033 |
| Return on Equity (ROE) | 6.9208% | 3,622 |
| Retained earnings to average equity (ytd only) | 4.3768% | 3,391 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9505% | 1,226 |
| Assets per employee ($millions) | 5.3829% | 3,244 |
| Cash dividends to net income (ytd only)* | 36.7589% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9819% | 3,912 |
| Loan loss allowance to noncurrent loans | 145.5556% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 3,277 |
| Noncurrent loans to loans | 0.6746% | 1,900 |
| Net loans and leases to total assets | 26.2934% | 4,782 |
| Net loans and leases to deposits | 30.5290% | 4,788 |
| Net loans and leases to core deposits | 30.7727% | 4,802 |
| Total domestic deposits to total assets | 86.1261% | 2,691 |
| Equity capital to assets | 9.4512% | 3,245 |
| Core capital (leverage) ratio | 10.3411% | 2,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2558% | 315 |
| Memoranda: | ||
| Average total assets | $146,027,500 | 3,564 |
| Average earning assets | $137,419,500 | 3,549 |
| Average equity | $14,622,500 | 3,730 |
| Average total loans | $40,220,500 | 4,298 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1094% | 4,560 |
| Cost of funding earning assets | 0.3788% | 3,717 |
| Net interest margin | 2.7306% | 4,345 |
| Noninterest income to average assets | 0.4320% | 2,951 |
| Noninterest expense to average assets | 2.3339% | 3,313 |
| Loan and lease loss provision to assets | 0.0135% | 4,204 |
| Net operating income to assets | 0.6420% | 3,620 |
| Return on assets (ROA) | 0.7770% | 3,306 |
| Pretax return on assets | 0.7770% | 3,686 |
| Return on Equity (ROE) | 7.0941% | 3,175 |
| Retained earnings to average equity (ytd only) | 2.5131% | 3,594 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0733% | 1,024 |
| Assets per employee ($millions) | 5.0476% | 3,344 |
| Cash dividends to net income (ytd only)* | 64.5753% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 3,990 |
| Loan loss allowance to noncurrent loans | 97.2569% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2837% | 2,879 |
| Noncurrent loans to loans | 0.9921% | 1,428 |
| Net loans and leases to total assets | 28.3218% | 4,790 |
| Net loans and leases to deposits | 33.4344% | 4,797 |
| Net loans and leases to core deposits | 33.7237% | 4,812 |
| Total domestic deposits to total assets | 84.7085% | 2,875 |
| Equity capital to assets | 10.6132% | 2,581 |
| Core capital (leverage) ratio | 10.6902% | 2,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0316% | 287 |
| Memoranda: | ||
| Average total assets | $133,339,200 | 3,585 |
| Average earning assets | $124,879,000 | 3,571 |
| Average equity | $14,603,600 | 3,685 |
| Average total loans | $41,043,400 | 4,289 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2571% | 4,531 |
| Cost of funding earning assets | 0.4340% | 3,618 |
| Net interest margin | 2.8231% | 4,299 |
| Noninterest income to average assets | 0.4345% | 2,911 |
| Noninterest expense to average assets | 2.3612% | 3,251 |
| Loan and lease loss provision to assets | 0.0145% | 4,139 |
| Net operating income to assets | 0.7005% | 3,456 |
| Return on assets (ROA) | 0.8060% | 3,184 |
| Pretax return on assets | 0.8060% | 3,628 |
| Return on Equity (ROE) | 7.2987% | 3,097 |
| Retained earnings to average equity (ytd only) | 2.8128% | 3,599 |
| Net charge-offs to loans | 0.0097% | 2,761 |
| Credit loss provision to net charge-offs | 466.6667% | 1,339 |
| Earnings coverage of net charge-offs (x) | 234.6667% | 438 |
| Efficiency ratio | 76.7657% | 1,136 |
| Assets per employee ($millions) | 4.9281% | 3,344 |
| Cash dividends to net income (ytd only)* | 61.4610% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9257% | 3,991 |
| Loan loss allowance to noncurrent loans | 167.2489% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 3,564 |
| Noncurrent loans to loans | 0.5535% | 2,409 |
| Net loans and leases to total assets | 30.8054% | 4,804 |
| Net loans and leases to deposits | 37.3459% | 4,804 |
| Net loans and leases to core deposits | 37.6980% | 4,826 |
| Total domestic deposits to total assets | 82.4866% | 3,294 |
| Equity capital to assets | 11.4649% | 2,034 |
| Core capital (leverage) ratio | 11.1418% | 1,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9664% | 277 |
| Memoranda: | ||
| Average total assets | $131,340,750 | 3,595 |
| Average earning assets | $122,888,500 | 3,582 |
| Average equity | $14,504,500 | 3,699 |
| Average total loans | $41,199,750 | 4,316 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3767% | 4,565 |
| Cost of funding earning assets | 0.5230% | 3,400 |
| Net interest margin | 2.8537% | 4,379 |
| Noninterest income to average assets | 0.4313% | 2,901 |
| Noninterest expense to average assets | 2.3324% | 3,445 |
| Loan and lease loss provision to assets | 0.0138% | 4,052 |
| Net operating income to assets | 0.7555% | 3,201 |
| Return on assets (ROA) | 0.8137% | 3,113 |
| Pretax return on assets | 0.8137% | 3,547 |
| Return on Equity (ROE) | 7.4644% | 2,948 |
| Retained earnings to average equity (ytd only) | 1.5855% | 3,911 |
| Net charge-offs to loans | 0.0243% | 2,228 |
| Credit loss provision to net charge-offs | 180.0000% | 1,994 |
| Earnings coverage of net charge-offs (x) | 100.6000% | 699 |
| Efficiency ratio | 75.1972% | 1,347 |
| Assets per employee ($millions) | 4.8421% | 3,371 |
| Cash dividends to net income (ytd only)* | 78.7594% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9097% | 3,960 |
| Loan loss allowance to noncurrent loans | 196.8586% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 3,814 |
| Noncurrent loans to loans | 0.4621% | 2,756 |
| Net loans and leases to total assets | 30.2075% | 4,853 |
| Net loans and leases to deposits | 36.8493% | 4,848 |
| Net loans and leases to core deposits | 37.2799% | 4,865 |
| Total domestic deposits to total assets | 81.9758% | 3,378 |
| Equity capital to assets | 11.1802% | 2,189 |
| Core capital (leverage) ratio | 11.0738% | 1,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5932% | 294 |
| Memoranda: | ||
| Average total assets | $130,768,333 | 3,589 |
| Average earning assets | $122,369,000 | 3,571 |
| Average equity | $14,254,333 | 3,732 |
| Average total loans | $41,142,333 | 4,333 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5051% | 4,625 |
| Cost of funding earning assets | 0.5903% | 3,485 |
| Net interest margin | 2.9148% | 4,412 |
| Noninterest income to average assets | 0.5017% | 2,540 |
| Noninterest expense to average assets | 2.4618% | 3,387 |
| Loan and lease loss provision to assets | 0.0156% | 3,599 |
| Net operating income to assets | 0.7479% | 3,102 |
| Return on assets (ROA) | 0.8694% | 2,726 |
| Pretax return on assets | 0.8694% | 3,225 |
| Return on Equity (ROE) | 8.0855% | 2,483 |
| Retained earnings to average equity (ytd only) | 2.1445% | 3,389 |
| Net charge-offs to loans | 0.0780% | 1,244 |
| Credit loss provision to net charge-offs | 62.5000% | 2,009 |
| Earnings coverage of net charge-offs (x) | 30.6250% | 1,171 |
| Efficiency ratio | 76.3285% | 1,529 |
| Assets per employee ($millions) | 4.7759% | 2,904 |
| Cash dividends to net income (ytd only)* | 73.4767% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 4,065 |
| Loan loss allowance to noncurrent loans | 153.7500% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 3,748 |
| Noncurrent loans to loans | 0.5939% | 2,520 |
| Net loans and leases to total assets | 31.0513% | 4,887 |
| Net loans and leases to deposits | 37.6627% | 4,876 |
| Net loans and leases to core deposits | 38.1224% | 4,898 |
| Total domestic deposits to total assets | 82.4456% | 3,279 |
| Equity capital to assets | 10.3716% | 3,452 |
| Core capital (leverage) ratio | 11.4159% | 2,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0085% | 304 |
| Memoranda: | ||
| Average total assets | $128,363,000 | 3,604 |
| Average earning assets | $119,941,000 | 3,580 |
| Average equity | $13,802,500 | 3,796 |
| Average total loans | $41,048,000 | 4,349 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6928% | 4,684 |
| Cost of funding earning assets | 0.6414% | 3,452 |
| Net interest margin | 3.0515% | 4,448 |
| Noninterest income to average assets | 0.5107% | 2,673 |
| Noninterest expense to average assets | 2.4175% | 3,638 |
| Loan and lease loss provision to assets | 0.0173% | 3,668 |
| Net operating income to assets | 0.9215% | 3,119 |
| Return on assets (ROA) | 1.0018% | 2,927 |
| Pretax return on assets | 1.0018% | 3,459 |
| Return on Equity (ROE) | 9.3159% | 2,601 |
| Retained earnings to average equity (ytd only) | 2.9858% | 3,538 |
| Net charge-offs to loans | 0.0098% | 3,335 |
| Credit loss provision to net charge-offs | 550.0000% | 541 |
| Earnings coverage of net charge-offs (x) | 298.2500% | 286 |
| Efficiency ratio | 72.0281% | 1,863 |
| Assets per employee ($millions) | 4.5635% | 3,131 |
| Cash dividends to net income (ytd only)* | 67.9497% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8924% | 3,990 |
| Loan loss allowance to noncurrent loans | 135.2727% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 3,601 |
| Noncurrent loans to loans | 0.6597% | 2,240 |
| Net loans and leases to total assets | 32.3334% | 4,930 |
| Net loans and leases to deposits | 39.6684% | 4,913 |
| Net loans and leases to core deposits | 40.0937% | 4,944 |
| Total domestic deposits to total assets | 81.5093% | 3,639 |
| Equity capital to assets | 11.1373% | 2,873 |
| Core capital (leverage) ratio | 11.5246% | 2,092 |
| Tier 1 risk-based capital ratio | 27.6805% | 581 |
| Total risk-based capital ratio | 28.3810% | 595 |
| Memoranda: | ||
| Average total assets | $127,071,600 | 3,601 |
| Average earning assets | $118,499,400 | 3,581 |
| Average equity | $13,664,800 | 3,793 |
| Average total loans | $40,941,800 | 4,388 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7564% | 4,720 |
| Cost of funding earning assets | 0.6518% | 3,445 |
| Net interest margin | 3.1046% | 4,467 |
| Noninterest income to average assets | 0.5663% | 2,373 |
| Noninterest expense to average assets | 2.4681% | 3,517 |
| Loan and lease loss provision to assets | 0.0189% | 3,533 |
| Net operating income to assets | 0.9719% | 3,078 |
| Return on assets (ROA) | 1.0160% | 2,997 |
| Pretax return on assets | 1.0160% | 3,539 |
| Return on Equity (ROE) | 9.5340% | 2,655 |
| Retained earnings to average equity (ytd only) | 3.3029% | 3,757 |
| Net charge-offs to loans | 0.0066% | 3,146 |
| Credit loss provision to net charge-offs | 900.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 470.8989% | 211 |
| Efficiency ratio | 71.3548% | 1,917 |
| Assets per employee ($millions) | 4.4290% | 3,310 |
| Cash dividends to net income (ytd only)* | 65.3572% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 4,024 |
| Loan loss allowance to noncurrent loans | 198.9247% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 3,991 |
| Noncurrent loans to loans | 0.4546% | 2,943 |
| Net loans and leases to total assets | 32.6936% | 5,007 |
| Net loans and leases to deposits | 40.2978% | 4,988 |
| Net loans and leases to core deposits | 40.7432% | 5,022 |
| Total domestic deposits to total assets | 81.1301% | 3,718 |
| Equity capital to assets | 11.4545% | 2,694 |
| Core capital (leverage) ratio | 11.8966% | 1,920 |
| Tier 1 risk-based capital ratio | 27.4374% | 612 |
| Total risk-based capital ratio | 28.1314% | 636 |
| Memoranda: | ||
| Average total assets | $126,895,000 | 3,642 |
| Average earning assets | $118,231,250 | 3,619 |
| Average equity | $13,523,250 | 3,853 |
| Average total loans | $40,755,500 | 4,450 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7579% | 4,762 |
| Cost of funding earning assets | 0.6590% | 3,360 |
| Net interest margin | 3.0989% | 4,536 |
| Noninterest income to average assets | 0.4912% | 2,722 |
| Noninterest expense to average assets | 2.3526% | 3,865 |
| Loan and lease loss provision to assets | 0.0203% | 3,387 |
| Net operating income to assets | 1.0089% | 2,888 |
| Return on assets (ROA) | 1.0027% | 2,978 |
| Pretax return on assets | 1.0027% | 3,533 |
| Return on Equity (ROE) | 9.6420% | 2,562 |
| Retained earnings to average equity (ytd only) | 2.7076% | 3,848 |
| Net charge-offs to loans | 0.0098% | 2,780 |
| Credit loss provision to net charge-offs | 650.0000% | 496 |
| Earnings coverage of net charge-offs (x) | 329.0000% | 238 |
| Efficiency ratio | 69.5652% | 2,299 |
| Assets per employee ($millions) | 4.4810% | 3,170 |
| Cash dividends to net income (ytd only)* | 71.9189% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 4,156 |
| Loan loss allowance to noncurrent loans | 272.3881% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 4,223 |
| Noncurrent loans to loans | 0.3244% | 3,371 |
| Net loans and leases to total assets | 32.6338% | 5,055 |
| Net loans and leases to deposits | 40.1142% | 5,050 |
| Net loans and leases to core deposits | 40.5500% | 5,073 |
| Total domestic deposits to total assets | 81.3522% | 3,707 |
| Equity capital to assets | 11.1821% | 2,879 |
| Core capital (leverage) ratio | 11.3274% | 2,310 |
| Tier 1 risk-based capital ratio | 26.5312% | 654 |
| Total risk-based capital ratio | 27.2004% | 676 |
| Memoranda: | ||
| Average total assets | $127,856,000 | 3,651 |
| Average earning assets | $119,267,670 | 3,632 |
| Average equity | $13,296,000 | 3,885 |
| Average total loans | $40,702,670 | 4,481 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7140% | 4,826 |
| Cost of funding earning assets | 0.6478% | 3,333 |
| Net interest margin | 3.0662% | 4,644 |
| Noninterest income to average assets | 0.5517% | 2,282 |
| Noninterest expense to average assets | 2.2875% | 4,054 |
| Loan and lease loss provision to assets | 0.0279% | 3,054 |
| Net operating income to assets | 1.0972% | 2,481 |
| Return on assets (ROA) | 1.0910% | 2,550 |
| Pretax return on assets | 1.0910% | 3,177 |
| Return on Equity (ROE) | 10.8902% | 1,988 |
| Retained earnings to average equity (ytd only) | 4.0220% | 3,306 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0300% | 2,794 |
| Assets per employee ($millions) | 4.9036% | 2,640 |
| Cash dividends to net income (ytd only)* | 63.0682% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9159% | 4,099 |
| Loan loss allowance to noncurrent loans | 252.0833% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 4,262 |
| Noncurrent loans to loans | 0.3634% | 3,280 |
| Net loans and leases to total assets | 29.6593% | 5,155 |
| Net loans and leases to deposits | 35.8802% | 5,150 |
| Net loans and leases to core deposits | 36.5804% | 5,165 |
| Total domestic deposits to total assets | 82.6620% | 3,518 |
| Equity capital to assets | 10.0025% | 3,826 |
| Core capital (leverage) ratio | 11.2465% | 2,343 |
| Tier 1 risk-based capital ratio | 26.3965% | 662 |
| Total risk-based capital ratio | 27.0609% | 683 |
| Memoranda: | ||
| Average total assets | $129,050,000 | 3,668 |
| Average earning assets | $120,410,000 | 3,652 |
| Average equity | $12,929,000 | 3,958 |
| Average total loans | $40,399,000 | 4,524 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6223% | 4,776 |
| Cost of funding earning assets | 0.5000% | 3,360 |
| Net interest margin | 3.1223% | 4,618 |
| Noninterest income to average assets | 0.5615% | 2,483 |
| Noninterest expense to average assets | 2.3355% | 4,028 |
| Loan and lease loss provision to assets | 0.0177% | 3,805 |
| Net operating income to assets | 1.1110% | 2,550 |
| Return on assets (ROA) | 1.0965% | 2,613 |
| Pretax return on assets | 1.0965% | 3,285 |
| Return on Equity (ROE) | 11.1577% | 2,020 |
| Retained earnings to average equity (ytd only) | 4.3286% | 3,162 |
| Net charge-offs to loans | 0.0121% | 3,275 |
| Credit loss provision to net charge-offs | 440.0000% | 773 |
| Earnings coverage of net charge-offs (x) | 280.2000% | 349 |
| Efficiency ratio | 67.4186% | 2,637 |
| Assets per employee ($millions) | 4.6557% | 2,954 |
| Cash dividends to net income (ytd only)* | 61.2050% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 4,328 |
| Loan loss allowance to noncurrent loans | 118.0000% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 3,321 |
| Noncurrent loans to loans | 0.7287% | 2,170 |
| Net loans and leases to total assets | 32.4678% | 5,161 |
| Net loans and leases to deposits | 39.4798% | 5,129 |
| Net loans and leases to core deposits | 39.8036% | 5,163 |
| Total domestic deposits to total assets | 82.2391% | 3,576 |
| Equity capital to assets | 10.0356% | 3,651 |
| Core capital (leverage) ratio | 11.2958% | 2,270 |
| Tier 1 risk-based capital ratio | 25.9114% | 672 |
| Total risk-based capital ratio | 26.5532% | 707 |
| Memoranda: | ||
| Average total assets | $124,125,800 | 3,728 |
| Average earning assets | $115,397,400 | 3,729 |
| Average equity | $12,197,800 | 3,998 |
| Average total loans | $41,469,200 | 4,511 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5842% | 4,827 |
| Cost of funding earning assets | 0.4529% | 3,506 |
| Net interest margin | 3.1313% | 4,650 |
| Noninterest income to average assets | 0.5463% | 2,581 |
| Noninterest expense to average assets | 2.3523% | 3,972 |
| Loan and lease loss provision to assets | 0.0183% | 3,647 |
| Net operating income to assets | 1.0883% | 2,718 |
| Return on assets (ROA) | 1.0711% | 2,784 |
| Pretax return on assets | 1.0711% | 3,496 |
| Return on Equity (ROE) | 10.9588% | 2,199 |
| Retained earnings to average equity (ytd only) | 4.3548% | 3,580 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0062% | 2,537 |
| Assets per employee ($millions) | 4.4150% | 3,249 |
| Cash dividends to net income (ytd only)* | 60.2618% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8500% | 4,460 |
| Loan loss allowance to noncurrent loans | 256.5217% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 4,016 |
| Noncurrent loans to loans | 0.3314% | 3,480 |
| Net loans and leases to total assets | 33.4018% | 5,213 |
| Net loans and leases to deposits | 40.2270% | 5,199 |
| Net loans and leases to core deposits | 40.5398% | 5,232 |
| Total domestic deposits to total assets | 83.0334% | 3,297 |
| Equity capital to assets | 9.7914% | 3,825 |
| Core capital (leverage) ratio | 11.5164% | 2,155 |
| Tier 1 risk-based capital ratio | 25.5813% | 707 |
| Total risk-based capital ratio | 26.2209% | 736 |
| Memoranda: | ||
| Average total assets | $123,731,500 | 3,770 |
| Average earning assets | $115,094,750 | 3,767 |
| Average equity | $12,093,500 | 4,043 |
| Average total loans | $41,544,750 | 4,552 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 4,871 |
| Cost of funding earning assets | 0.4271% | 3,521 |
| Net interest margin | 3.1064% | 4,718 |
| Noninterest income to average assets | 0.4379% | 3,234 |
| Noninterest expense to average assets | 2.3398% | 4,043 |
| Loan and lease loss provision to assets | 0.0210% | 3,489 |
| Net operating income to assets | 0.9679% | 3,152 |
| Return on assets (ROA) | 0.9566% | 3,213 |
| Pretax return on assets | 0.9566% | 3,786 |
| Return on Equity (ROE) | 9.7932% | 2,662 |
| Retained earnings to average equity (ytd only) | 2.5476% | 4,243 |
| Net charge-offs to loans | 0.0867% | 1,470 |
| Credit loss provision to net charge-offs | 72.2222% | 2,328 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,407 |
| Efficiency ratio | 70.2913% | 2,263 |
| Assets per employee ($millions) | 4.4882% | 3,142 |
| Cash dividends to net income (ytd only)* | 73.9865% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7844% | 4,737 |
| Loan loss allowance to noncurrent loans | 166.8342% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.2300% | 3,851 |
| Noncurrent loans to loans | 0.4702% | 3,026 |
| Net loans and leases to total assets | 33.4145% | 5,257 |
| Net loans and leases to deposits | 39.5278% | 5,257 |
| Net loans and leases to core deposits | 39.8247% | 5,285 |
| Total domestic deposits to total assets | 84.5341% | 2,856 |
| Equity capital to assets | 9.5496% | 4,054 |
| Core capital (leverage) ratio | 11.1754% | 2,363 |
| Tier 1 risk-based capital ratio | 24.4682% | 793 |
| Total risk-based capital ratio | 25.0519% | 824 |
| Memoranda: | ||
| Average total assets | $123,769,000 | 3,796 |
| Average earning assets | $115,182,670 | 3,790 |
| Average equity | $12,090,000 | 4,073 |
| Average total loans | $41,511,330 | 4,598 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4970% | 4,882 |
| Cost of funding earning assets | 0.4192% | 3,452 |
| Net interest margin | 3.0778% | 4,745 |
| Noninterest income to average assets | 0.4690% | 2,998 |
| Noninterest expense to average assets | 2.3319% | 4,110 |
| Loan and lease loss provision to assets | 0.0163% | 3,322 |
| Net operating income to assets | 0.9901% | 2,891 |
| Return on assets (ROA) | 0.9738% | 3,000 |
| Pretax return on assets | 0.9738% | 3,624 |
| Return on Equity (ROE) | 9.8562% | 2,506 |
| Retained earnings to average equity (ytd only) | 1.7800% | 4,420 |
| Net charge-offs to loans | 0.0487% | 1,618 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 61.8000% | 829 |
| Efficiency ratio | 69.8537% | 2,505 |
| Assets per employee ($millions) | 4.4509% | 3,242 |
| Cash dividends to net income (ytd only)* | 81.9398% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8209% | 4,729 |
| Loan loss allowance to noncurrent loans | 214.6497% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 4,073 |
| Noncurrent loans to loans | 0.3824% | 3,412 |
| Net loans and leases to total assets | 32.6727% | 5,303 |
| Net loans and leases to deposits | 38.6785% | 5,301 |
| Net loans and leases to core deposits | 38.9709% | 5,330 |
| Total domestic deposits to total assets | 84.4725% | 3,126 |
| Equity capital to assets | 9.5712% | 4,021 |
| Core capital (leverage) ratio | 11.3068% | 2,163 |
| Tier 1 risk-based capital ratio | 24.6310% | 779 |
| Total risk-based capital ratio | 25.2317% | 823 |
| Memoranda: | ||
| Average total assets | $122,818,500 | 3,853 |
| Average earning assets | $114,499,000 | 3,837 |
| Average equity | $12,134,500 | 4,098 |
| Average total loans | $41,105,000 | 4,661 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4708% | 4,828 |
| Cost of funding earning assets | 0.4195% | 3,056 |
| Net interest margin | 3.0514% | 4,786 |
| Noninterest income to average assets | 0.6648% | 2,118 |
| Noninterest expense to average assets | 2.3956% | 4,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1169% | 1,803 |
| Return on assets (ROA) | 1.1498% | 1,714 |
| Pretax return on assets | 1.1498% | 2,983 |
| Return on Equity (ROE) | 11.3375% | 1,377 |
| Retained earnings to average equity (ytd only) | 3.7144% | 3,001 |
| Net charge-offs to loans | 0.1116% | 1,949 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 30.2444% | 1,542 |
| Efficiency ratio | 68.2009% | 2,851 |
| Assets per employee ($millions) | 4.3219% | 3,450 |
| Cash dividends to net income (ytd only)* | 67.2377% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8189% | 4,774 |
| Loan loss allowance to noncurrent loans | 288.0342% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 4,259 |
| Noncurrent loans to loans | 0.2843% | 3,763 |
| Net loans and leases to total assets | 33.7303% | 5,349 |
| Net loans and leases to deposits | 39.4670% | 5,352 |
| Net loans and leases to core deposits | 39.7704% | 5,391 |
| Total domestic deposits to total assets | 85.4644% | 2,672 |
| Equity capital to assets | 10.1981% | 3,492 |
| Core capital (leverage) ratio | 11.4481% | 1,975 |
| Tier 1 risk-based capital ratio | 24.9524% | 730 |
| Total risk-based capital ratio | 25.5633% | 772 |
| Memoranda: | ||
| Average total assets | $121,850,200 | 3,859 |
| Average earning assets | $113,718,600 | 3,844 |
| Average equity | $12,357,200 | 4,075 |
| Average total loans | $40,338,600 | 4,724 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4710% | 4,861 |
| Cost of funding earning assets | 0.4175% | 3,013 |
| Net interest margin | 3.0535% | 4,805 |
| Noninterest income to average assets | 0.6499% | 2,212 |
| Noninterest expense to average assets | 2.3583% | 4,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1437% | 1,900 |
| Return on assets (ROA) | 1.1961% | 1,743 |
| Pretax return on assets | 1.1961% | 2,925 |
| Return on Equity (ROE) | 11.8108% | 1,393 |
| Retained earnings to average equity (ytd only) | 4.6920% | 3,084 |
| Net charge-offs to loans | 0.0731% | 2,089 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 47.5953% | 1,153 |
| Efficiency ratio | 67.3425% | 2,991 |
| Assets per employee ($millions) | 4.1258% | 3,782 |
| Cash dividends to net income (ytd only)* | 60.2743% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8930% | 4,602 |
| Loan loss allowance to noncurrent loans | 193.5484% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 4,088 |
| Noncurrent loans to loans | 0.4614% | 3,317 |
| Net loans and leases to total assets | 34.5862% | 5,400 |
| Net loans and leases to deposits | 41.0388% | 5,384 |
| Net loans and leases to core deposits | 41.4183% | 5,430 |
| Total domestic deposits to total assets | 84.2767% | 3,010 |
| Equity capital to assets | 11.1328% | 2,733 |
| Core capital (leverage) ratio | 11.5535% | 1,981 |
| Tier 1 risk-based capital ratio | 24.8306% | 774 |
| Total risk-based capital ratio | 25.4812% | 803 |
| Memoranda: | ||
| Average total assets | $122,059,500 | 3,903 |
| Average earning assets | $114,007,000 | 3,884 |
| Average equity | $12,361,250 | 4,116 |
| Average total loans | $40,134,500 | 4,775 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3874% | 4,986 |
| Cost of funding earning assets | 0.4167% | 2,917 |
| Net interest margin | 2.9706% | 4,973 |
| Noninterest income to average assets | 0.6665% | 2,141 |
| Noninterest expense to average assets | 2.3052% | 4,328 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1381% | 1,829 |
| Return on assets (ROA) | 1.1526% | 1,816 |
| Pretax return on assets | 1.1526% | 2,965 |
| Return on Equity (ROE) | 11.7428% | 1,379 |
| Retained earnings to average equity (ytd only) | 4.0510% | 3,297 |
| Net charge-offs to loans | 0.0549% | 2,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 64.2727% | 900 |
| Efficiency ratio | 66.9472% | 3,188 |
| Assets per employee ($millions) | 4.3633% | 3,322 |
| Cash dividends to net income (ytd only)* | 65.5028% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 4,544 |
| Loan loss allowance to noncurrent loans | 76.6529% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 3,527 |
| Noncurrent loans to loans | 1.2027% | 1,620 |
| Net loans and leases to total assets | 32.6370% | 5,483 |
| Net loans and leases to deposits | 38.2776% | 5,501 |
| Net loans and leases to core deposits | 38.6074% | 5,531 |
| Total domestic deposits to total assets | 85.2641% | 2,706 |
| Equity capital to assets | 10.4370% | 3,423 |
| Core capital (leverage) ratio | 10.9670% | 2,446 |
| Tier 1 risk-based capital ratio | 22.0985% | 1,040 |
| Total risk-based capital ratio | 22.7034% | 1,098 |
| Memoranda: | ||
| Average total assets | $124,238,330 | 3,890 |
| Average earning assets | $116,137,330 | 3,880 |
| Average equity | $12,194,670 | 4,156 |
| Average total loans | $40,074,330 | 4,805 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2715% | 5,146 |
| Cost of funding earning assets | 0.4051% | 2,943 |
| Net interest margin | 2.8664% | 5,144 |
| Noninterest income to average assets | 0.7152% | 1,893 |
| Noninterest expense to average assets | 2.2607% | 4,503 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1431% | 1,702 |
| Return on assets (ROA) | 1.0952% | 1,932 |
| Pretax return on assets | 1.0952% | 3,008 |
| Return on Equity (ROE) | 11.5134% | 1,401 |
| Retained earnings to average equity (ytd only) | 2.9875% | 3,915 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4165% | 3,426 |
| Assets per employee ($millions) | 4.5346% | 3,109 |
| Cash dividends to net income (ytd only)* | 74.0525% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 4,515 |
| Loan loss allowance to noncurrent loans | 50.5960% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 0.5946% | 2,866 |
| Noncurrent loans to loans | 1.8913% | 964 |
| Net loans and leases to total assets | 31.1391% | 5,561 |
| Net loans and leases to deposits | 36.4165% | 5,569 |
| Net loans and leases to core deposits | 36.7168% | 5,605 |
| Total domestic deposits to total assets | 85.5083% | 2,886 |
| Equity capital to assets | 9.5677% | 4,216 |
| Core capital (leverage) ratio | 10.7308% | 2,661 |
| Tier 1 risk-based capital ratio | 21.8118% | 1,105 |
| Total risk-based capital ratio | 22.4339% | 1,174 |
| Memoranda: | ||
| Average total assets | $125,272,000 | 3,912 |
| Average earning assets | $117,498,500 | 3,882 |
| Average equity | $11,916,500 | 4,228 |
| Average total loans | $39,989,500 | 4,849 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3417% | 5,095 |
| Cost of funding earning assets | 0.4604% | 2,441 |
| Net interest margin | 2.8813% | 5,167 |
| Noninterest income to average assets | 0.5412% | 2,971 |
| Noninterest expense to average assets | 2.3633% | 4,390 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8739% | 2,959 |
| Return on assets (ROA) | 1.1052% | 1,971 |
| Pretax return on assets | 1.1052% | 3,085 |
| Return on Equity (ROE) | 10.7455% | 1,672 |
| Retained earnings to average equity (ytd only) | 3.0679% | 3,715 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0051% | 2,426 |
| Assets per employee ($millions) | 4.5769% | 3,008 |
| Cash dividends to net income (ytd only)* | 71.4497% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 4,560 |
| Loan loss allowance to noncurrent loans | 57.1001% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 3,112 |
| Noncurrent loans to loans | 1.6700% | 1,157 |
| Net loans and leases to total assets | 32.1084% | 5,596 |
| Net loans and leases to deposits | 36.7978% | 5,628 |
| Net loans and leases to core deposits | 37.0933% | 5,657 |
| Total domestic deposits to total assets | 87.2563% | 1,998 |
| Equity capital to assets | 9.4558% | 4,316 |
| Core capital (leverage) ratio | 9.9609% | 3,532 |
| Tier 1 risk-based capital ratio | 20.2737% | 1,328 |
| Total risk-based capital ratio | 20.8984% | 1,408 |
| Memoranda: | ||
| Average total assets | $122,329,000 | 3,952 |
| Average earning assets | $114,463,400 | 3,918 |
| Average equity | $12,582,000 | 4,155 |
| Average total loans | $40,161,600 | 4,878 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3741% | 5,073 |
| Cost of funding earning assets | 0.4615% | 2,451 |
| Net interest margin | 2.9126% | 5,167 |
| Noninterest income to average assets | 0.5343% | 3,020 |
| Noninterest expense to average assets | 2.2663% | 4,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9922% | 2,470 |
| Return on assets (ROA) | 1.3003% | 1,390 |
| Pretax return on assets | 1.3003% | 2,431 |
| Return on Equity (ROE) | 12.3895% | 1,206 |
| Retained earnings to average equity (ytd only) | 5.5909% | 2,436 |
| Net charge-offs to loans | -0.0664% | 5,450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5506% | 2,959 |
| Assets per employee ($millions) | 4.4315% | 3,188 |
| Cash dividends to net income (ytd only)* | 54.8735% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 4,443 |
| Loan loss allowance to noncurrent loans | 45.4237% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 0.7397% | 2,711 |
| Noncurrent loans to loans | 2.1917% | 855 |
| Net loans and leases to total assets | 33.4116% | 5,643 |
| Net loans and leases to deposits | 39.4383% | 5,646 |
| Net loans and leases to core deposits | 40.2381% | 5,673 |
| Total domestic deposits to total assets | 84.7188% | 2,930 |
| Equity capital to assets | 11.0581% | 2,949 |
| Core capital (leverage) ratio | 10.4251% | 3,080 |
| Tier 1 risk-based capital ratio | 20.4893% | 1,354 |
| Total risk-based capital ratio | 21.1419% | 1,432 |
| Memoranda: | ||
| Average total assets | $122,017,500 | 3,983 |
| Average earning assets | $114,120,750 | 3,948 |
| Average equity | $12,806,250 | 4,157 |
| Average total loans | $40,187,000 | 4,913 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3832% | 5,116 |
| Cost of funding earning assets | 0.4629% | 2,447 |
| Net interest margin | 2.9202% | 5,234 |
| Noninterest income to average assets | 0.5016% | 3,179 |
| Noninterest expense to average assets | 2.2263% | 4,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0081% | 2,356 |
| Return on assets (ROA) | 1.0944% | 2,102 |
| Pretax return on assets | 1.0944% | 3,219 |
| Return on Equity (ROE) | 10.6122% | 1,800 |
| Retained earnings to average equity (ytd only) | 3.3637% | 3,754 |
| Net charge-offs to loans | -0.1246% | 5,688 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8318% | 3,182 |
| Assets per employee ($millions) | 4.6508% | 2,794 |
| Cash dividends to net income (ytd only)* | 68.3036% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 4,491 |
| Loan loss allowance to noncurrent loans | 46.9977% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 0.7162% | 2,828 |
| Noncurrent loans to loans | 2.1365% | 903 |
| Net loans and leases to total assets | 33.1848% | 5,707 |
| Net loans and leases to deposits | 39.1300% | 5,717 |
| Net loans and leases to core deposits | 39.9135% | 5,749 |
| Total domestic deposits to total assets | 84.8065% | 2,962 |
| Equity capital to assets | 10.8915% | 3,174 |
| Core capital (leverage) ratio | 10.0078% | 3,554 |
| Tier 1 risk-based capital ratio | 20.0150% | 1,460 |
| Total risk-based capital ratio | 20.6774% | 1,547 |
| Memoranda: | ||
| Average total assets | $122,806,670 | 3,998 |
| Average earning assets | $114,921,670 | 3,962 |
| Average equity | $12,664,670 | 4,206 |
| Average total loans | $40,123,000 | 4,966 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4549% | 4,996 |
| Cost of funding earning assets | 0.4625% | 2,441 |
| Net interest margin | 2.9924% | 5,138 |
| Noninterest income to average assets | 0.4913% | 3,184 |
| Noninterest expense to average assets | 2.1947% | 4,914 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0990% | 1,903 |
| Return on assets (ROA) | 1.1766% | 1,730 |
| Pretax return on assets | 1.1766% | 2,796 |
| Return on Equity (ROE) | 11.7306% | 1,392 |
| Retained earnings to average equity (ytd only) | 3.8672% | 3,565 |
| Net charge-offs to loans | -0.2605% | 5,912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6340% | 3,698 |
| Assets per employee ($millions) | 4.7654% | 2,646 |
| Cash dividends to net income (ytd only)* | 67.0330% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 4,354 |
| Loan loss allowance to noncurrent loans | 58.5366% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 0.5625% | 3,379 |
| Noncurrent loans to loans | 1.7875% | 1,238 |
| Net loans and leases to total assets | 31.1426% | 5,799 |
| Net loans and leases to deposits | 36.3662% | 5,820 |
| Net loans and leases to core deposits | 37.0688% | 5,837 |
| Total domestic deposits to total assets | 85.6361% | 2,841 |
| Equity capital to assets | 10.2033% | 3,837 |
| Core capital (leverage) ratio | 9.9315% | 3,624 |
| Tier 1 risk-based capital ratio | 19.7982% | 1,548 |
| Total risk-based capital ratio | 20.4600% | 1,649 |
| Memoranda: | ||
| Average total assets | $123,750,000 | 4,010 |
| Average earning assets | $115,894,500 | 3,975 |
| Average equity | $12,412,000 | 4,262 |
| Average total loans | $39,917,500 | 5,007 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4028% | 5,152 |
| Cost of funding earning assets | 0.5110% | 2,060 |
| Net interest margin | 2.8918% | 5,348 |
| Noninterest income to average assets | 0.6686% | 2,352 |
| Noninterest expense to average assets | 2.2178% | 5,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1456% | 1,747 |
| Return on assets (ROA) | 1.2385% | 1,480 |
| Pretax return on assets | 1.2385% | 2,510 |
| Return on Equity (ROE) | 12.1644% | 1,259 |
| Retained earnings to average equity (ytd only) | 4.8923% | 2,499 |
| Net charge-offs to loans | 0.0612% | 3,005 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 56.5417% | 912 |
| Efficiency ratio | 65.9388% | 3,914 |
| Assets per employee ($millions) | 4.7538% | 2,666 |
| Cash dividends to net income (ytd only)* | 59.7819% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 4,937 |
| Loan loss allowance to noncurrent loans | 50.7979% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 0.6084% | 3,244 |
| Noncurrent loans to loans | 1.8413% | 1,174 |
| Net loans and leases to total assets | 32.7341% | 5,814 |
| Net loans and leases to deposits | 38.1103% | 5,834 |
| Net loans and leases to core deposits | 38.8405% | 5,857 |
| Total domestic deposits to total assets | 85.8931% | 2,685 |
| Equity capital to assets | 9.8561% | 4,125 |
| Core capital (leverage) ratio | 10.0031% | 3,503 |
| Tier 1 risk-based capital ratio | 19.6290% | 1,558 |
| Total risk-based capital ratio | 20.2495% | 1,662 |
| Memoranda: | ||
| Average total assets | $118,450,600 | 4,091 |
| Average earning assets | $110,380,200 | 4,060 |
| Average equity | $12,059,800 | 4,295 |
| Average total loans | $39,215,000 | 5,044 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4251% | 5,149 |
| Cost of funding earning assets | 0.5232% | 2,013 |
| Net interest margin | 2.9019% | 5,409 |
| Noninterest income to average assets | 0.6930% | 2,262 |
| Noninterest expense to average assets | 2.2714% | 4,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1232% | 1,916 |
| Return on assets (ROA) | 1.2131% | 1,673 |
| Pretax return on assets | 1.2131% | 2,765 |
| Return on Equity (ROE) | 11.8154% | 1,425 |
| Retained earnings to average equity (ytd only) | 5.2759% | 2,742 |
| Net charge-offs to loans | -0.0378% | 5,442 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9125% | 3,729 |
| Assets per employee ($millions) | 4.4452% | 3,103 |
| Cash dividends to net income (ytd only)* | 55.3472% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 4,488 |
| Loan loss allowance to noncurrent loans | 53.8760% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 0.6697% | 3,248 |
| Noncurrent loans to loans | 1.9434% | 1,195 |
| Net loans and leases to total assets | 34.0994% | 5,852 |
| Net loans and leases to deposits | 40.3291% | 5,856 |
| Net loans and leases to core deposits | 41.1687% | 5,879 |
| Total domestic deposits to total assets | 84.5528% | 3,194 |
| Equity capital to assets | 10.7619% | 3,287 |
| Core capital (leverage) ratio | 10.0965% | 3,506 |
| Tier 1 risk-based capital ratio | 19.8011% | 1,603 |
| Total risk-based capital ratio | 20.4888% | 1,684 |
| Memoranda: | ||
| Average total assets | $117,163,500 | 4,159 |
| Average earning assets | $109,073,500 | 4,130 |
| Average equity | $12,029,250 | 4,350 |
| Average total loans | $38,808,500 | 5,110 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3765% | 5,278 |
| Cost of funding earning assets | 0.5238% | 2,038 |
| Net interest margin | 2.8527% | 5,528 |
| Noninterest income to average assets | 0.7052% | 2,190 |
| Noninterest expense to average assets | 2.2533% | 4,966 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1080% | 1,922 |
| Return on assets (ROA) | 1.1131% | 1,985 |
| Pretax return on assets | 1.1131% | 3,117 |
| Return on Equity (ROE) | 11.0149% | 1,674 |
| Retained earnings to average equity (ytd only) | 4.1201% | 3,400 |
| Net charge-offs to loans | -0.0468% | 5,520 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0374% | 3,833 |
| Assets per employee ($millions) | 4.4599% | 3,047 |
| Cash dividends to net income (ytd only)* | 62.5954% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 4,560 |
| Loan loss allowance to noncurrent loans | 57.0839% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 0.6037% | 3,610 |
| Noncurrent loans to loans | 1.8524% | 1,366 |
| Net loans and leases to total assets | 32.2477% | 5,964 |
| Net loans and leases to deposits | 37.7076% | 5,988 |
| Net loans and leases to core deposits | 38.4513% | 6,006 |
| Total domestic deposits to total assets | 85.5204% | 2,910 |
| Equity capital to assets | 9.8806% | 4,177 |
| Core capital (leverage) ratio | 9.9412% | 3,694 |
| Tier 1 risk-based capital ratio | 19.2387% | 1,733 |
| Total risk-based capital ratio | 19.9167% | 1,840 |
| Memoranda: | ||
| Average total assets | $117,693,330 | 4,195 |
| Average earning assets | $109,580,000 | 4,161 |
| Average equity | $11,893,000 | 4,398 |
| Average total loans | $38,469,000 | 5,163 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4971% | 4,977 |
| Cost of funding earning assets | 0.5281% | 2,025 |
| Net interest margin | 2.9691% | 5,299 |
| Noninterest income to average assets | 0.7977% | 1,716 |
| Noninterest expense to average assets | 2.3003% | 4,882 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2619% | 1,376 |
| Return on assets (ROA) | 1.2344% | 1,537 |
| Pretax return on assets | 1.2344% | 2,531 |
| Return on Equity (ROE) | 12.0769% | 1,328 |
| Retained earnings to average equity (ytd only) | 6.0216% | 2,496 |
| Net charge-offs to loans | -0.1050% | 5,873 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5753% | 4,386 |
| Assets per employee ($millions) | 4.5460% | 2,978 |
| Cash dividends to net income (ytd only)* | 50.1393% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 4,499 |
| Loan loss allowance to noncurrent loans | 169.1057% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 5,120 |
| Noncurrent loans to loans | 0.6530% | 3,642 |
| Net loans and leases to total assets | 31.5208% | 6,018 |
| Net loans and leases to deposits | 37.0858% | 6,020 |
| Net loans and leases to core deposits | 37.8337% | 6,045 |
| Total domestic deposits to total assets | 84.9943% | 3,408 |
| Equity capital to assets | 10.3431% | 3,732 |
| Core capital (leverage) ratio | 10.9371% | 2,478 |
| Tier 1 risk-based capital ratio | 21.6721% | 1,290 |
| Total risk-based capital ratio | 22.3770% | 1,372 |
| Memoranda: | ||
| Average total assets | $116,331,000 | 4,252 |
| Average earning assets | $108,317,000 | 4,208 |
| Average equity | $11,890,500 | 4,428 |
| Average total loans | $38,080,000 | 5,209 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5626% | 5,183 |
| Cost of funding earning assets | 0.5962% | 1,789 |
| Net interest margin | 2.9663% | 5,517 |
| Noninterest income to average assets | 0.7810% | 1,947 |
| Noninterest expense to average assets | 2.3222% | 5,052 |
| Loan and lease loss provision to assets | 0.0305% | 3,997 |
| Net operating income to assets | 1.2007% | 1,585 |
| Return on assets (ROA) | 1.2338% | 1,536 |
| Pretax return on assets | 1.2338% | 2,510 |
| Return on Equity (ROE) | 12.4205% | 1,289 |
| Retained earnings to average equity (ytd only) | 4.9261% | 2,653 |
| Net charge-offs to loans | 0.0109% | 4,691 |
| Credit loss provision to net charge-offs | 875.0000% | 312 |
| Earnings coverage of net charge-offs (x) | 353.5000% | 153 |
| Efficiency ratio | 65.3516% | 4,349 |
| Assets per employee ($millions) | 4.4026% | 3,187 |
| Cash dividends to net income (ytd only)* | 60.3387% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 4,793 |
| Loan loss allowance to noncurrent loans | 456.1798% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 5,721 |
| Noncurrent loans to loans | 0.2312% | 4,999 |
| Net loans and leases to total assets | 33.2690% | 6,074 |
| Net loans and leases to deposits | 39.1746% | 6,059 |
| Net loans and leases to core deposits | 39.9807% | 6,095 |
| Total domestic deposits to total assets | 84.9249% | 3,316 |
| Equity capital to assets | 10.0955% | 3,988 |
| Core capital (leverage) ratio | 10.5983% | 2,839 |
| Tier 1 risk-based capital ratio | 20.6236% | 1,488 |
| Total risk-based capital ratio | 21.3028% | 1,558 |
| Memoranda: | ||
| Average total assets | $114,848,600 | 4,278 |
| Average earning assets | $107,338,000 | 4,240 |
| Average equity | $11,408,600 | 4,477 |
| Average total loans | $36,713,800 | 5,301 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5424% | 5,291 |
| Cost of funding earning assets | 0.5954% | 1,879 |
| Net interest margin | 2.9470% | 5,607 |
| Noninterest income to average assets | 0.6623% | 2,514 |
| Noninterest expense to average assets | 2.3895% | 4,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0289% | 2,329 |
| Return on assets (ROA) | 1.0799% | 2,178 |
| Pretax return on assets | 1.0799% | 3,267 |
| Return on Equity (ROE) | 10.9156% | 1,818 |
| Retained earnings to average equity (ytd only) | 5.4871% | 2,763 |
| Net charge-offs to loans | 0.0147% | 4,263 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 221.8837% | 293 |
| Efficiency ratio | 69.9016% | 3,527 |
| Assets per employee ($millions) | 4.3400% | 3,227 |
| Cash dividends to net income (ytd only)* | 49.7317% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 5,284 |
| Loan loss allowance to noncurrent loans | 927.5000% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 6,031 |
| Noncurrent loans to loans | 0.1060% | 5,616 |
| Net loans and leases to total assets | 31.8985% | 6,185 |
| Net loans and leases to deposits | 37.4825% | 6,205 |
| Net loans and leases to core deposits | 37.9432% | 6,235 |
| Total domestic deposits to total assets | 85.1025% | 3,300 |
| Equity capital to assets | 10.1808% | 3,955 |
| Core capital (leverage) ratio | 10.7024% | 2,815 |
| Tier 1 risk-based capital ratio | 20.3506% | 1,587 |
| Total risk-based capital ratio | 20.9677% | 1,701 |
| Memoranda: | ||
| Average total assets | $114,944,000 | 4,319 |
| Average earning assets | $107,495,750 | 4,277 |
| Average equity | $11,371,750 | 4,511 |
| Average total loans | $36,270,250 | 5,373 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5322% | 5,337 |
| Cost of funding earning assets | 0.6090% | 1,823 |
| Net interest margin | 2.9232% | 5,691 |
| Noninterest income to average assets | 0.6532% | 2,521 |
| Noninterest expense to average assets | 2.3906% | 4,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9948% | 2,339 |
| Return on assets (ROA) | 1.1033% | 1,995 |
| Pretax return on assets | 1.1033% | 3,087 |
| Return on Equity (ROE) | 11.2644% | 1,640 |
| Retained earnings to average equity (ytd only) | 5.8646% | 2,406 |
| Net charge-offs to loans | 0.0280% | 3,634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 113.6000% | 507 |
| Efficiency ratio | 70.6156% | 3,552 |
| Assets per employee ($millions) | 4.1863% | 3,481 |
| Cash dividends to net income (ytd only)* | 47.9365% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 5,302 |
| Loan loss allowance to noncurrent loans | 185.0000% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 5,612 |
| Noncurrent loans to loans | 0.5457% | 4,374 |
| Net loans and leases to total assets | 32.0986% | 6,237 |
| Net loans and leases to deposits | 37.7330% | 6,237 |
| Net loans and leases to core deposits | 38.4308% | 6,262 |
| Total domestic deposits to total assets | 85.0677% | 3,470 |
| Equity capital to assets | 10.4194% | 3,540 |
| Core capital (leverage) ratio | 10.5177% | 2,923 |
| Tier 1 risk-based capital ratio | 20.4169% | 1,586 |
| Total risk-based capital ratio | 21.0415% | 1,702 |
| Memoranda: | ||
| Average total assets | $114,198,330 | 4,360 |
| Average earning assets | $106,732,330 | 4,307 |
| Average equity | $11,185,670 | 4,561 |
| Average total loans | $35,777,000 | 5,430 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4792% | 5,484 |
| Cost of funding earning assets | 0.6214% | 1,795 |
| Net interest margin | 2.8578% | 5,834 |
| Noninterest income to average assets | 0.6203% | 2,616 |
| Noninterest expense to average assets | 2.3976% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8991% | 2,660 |
| Return on assets (ROA) | 0.8468% | 2,987 |
| Pretax return on assets | 0.8468% | 3,916 |
| Return on Equity (ROE) | 8.9256% | 2,496 |
| Retained earnings to average equity (ytd only) | 3.7466% | 3,883 |
| Net charge-offs to loans | -0.0113% | 5,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7273% | 3,354 |
| Assets per employee ($millions) | 4.3141% | 3,314 |
| Cash dividends to net income (ytd only)* | 58.0247% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 5,173 |
| Loan loss allowance to noncurrent loans | 232.0988% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 5,836 |
| Noncurrent loans to loans | 0.4680% | 4,755 |
| Net loans and leases to total assets | 29.3977% | 6,376 |
| Net loans and leases to deposits | 34.1501% | 6,368 |
| Net loans and leases to core deposits | 34.7669% | 6,388 |
| Total domestic deposits to total assets | 86.0837% | 3,322 |
| Equity capital to assets | 9.5465% | 4,436 |
| Core capital (leverage) ratio | 10.3243% | 3,148 |
| Tier 1 risk-based capital ratio | 20.6489% | 1,548 |
| Total risk-based capital ratio | 21.3029% | 1,672 |
| Memoranda: | ||
| Average total assets | $114,782,500 | 4,397 |
| Average earning assets | $107,495,000 | 4,331 |
| Average equity | $10,890,000 | 4,646 |
| Average total loans | $35,340,000 | 5,497 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1579% | 6,185 |
| Cost of funding earning assets | 0.7657% | 1,407 |
| Net interest margin | 2.3922% | 6,454 |
| Noninterest income to average assets | 0.5961% | 3,114 |
| Noninterest expense to average assets | 2.1128% | 5,802 |
| Loan and lease loss provision to assets | -0.0640% | 6,416 |
| Net operating income to assets | 0.7805% | 3,389 |
| Return on assets (ROA) | 0.7071% | 3,846 |
| Pretax return on assets | 0.7071% | 4,515 |
| Return on Equity (ROE) | 8.0975% | 2,986 |
| Retained earnings to average equity (ytd only) | 3.9314% | 3,410 |
| Net charge-offs to loans | 0.0377% | 4,703 |
| Credit loss provision to net charge-offs | -576.9231% | 6,160 |
| Earnings coverage of net charge-offs (x) | 64.5385% | 649 |
| Efficiency ratio | 74.6755% | 3,014 |
| Assets per employee ($millions) | 4.1883% | 3,463 |
| Cash dividends to net income (ytd only)* | 51.4493% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 5,378 |
| Loan loss allowance to noncurrent loans | 232.9193% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 5,894 |
| Noncurrent loans to loans | 0.4465% | 4,885 |
| Net loans and leases to total assets | 31.5574% | 6,414 |
| Net loans and leases to deposits | 36.7144% | 6,408 |
| Net loans and leases to core deposits | 37.3981% | 6,433 |
| Total domestic deposits to total assets | 85.9537% | 3,282 |
| Equity capital to assets | 9.4267% | 4,521 |
| Core capital (leverage) ratio | 10.3288% | 3,119 |
| Tier 1 risk-based capital ratio | 19.5436% | 1,769 |
| Total risk-based capital ratio | 20.1664% | 1,909 |
| Memoranda: | ||
| Average total assets | $117,097,200 | 4,338 |
| Average earning assets | $109,311,600 | 4,280 |
| Average equity | $10,225,400 | 4,794 |
| Average total loans | $34,521,200 | 5,560 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0662% | 6,353 |
| Cost of funding earning assets | 0.7983% | 1,334 |
| Net interest margin | 2.2679% | 6,606 |
| Noninterest income to average assets | 0.5848% | 3,248 |
| Noninterest expense to average assets | 2.1473% | 5,726 |
| Loan and lease loss provision to assets | -0.0847% | 6,605 |
| Net operating income to assets | 0.6390% | 4,181 |
| Return on assets (ROA) | 0.6209% | 4,380 |
| Pretax return on assets | 0.6209% | 4,945 |
| Return on Equity (ROE) | 7.2486% | 3,520 |
| Retained earnings to average equity (ytd only) | 4.0460% | 3,816 |
| Net charge-offs to loans | -0.0078% | 5,847 |
| Credit loss provision to net charge-offs | 3,750.0000% | 86 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4818% | 2,185 |
| Assets per employee ($millions) | 4.0129% | 3,810 |
| Cash dividends to net income (ytd only)* | 44.1813% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 5,242 |
| Loan loss allowance to noncurrent loans | 187.5000% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 5,886 |
| Noncurrent loans to loans | 0.5989% | 4,701 |
| Net loans and leases to total assets | 30.5640% | 6,514 |
| Net loans and leases to deposits | 36.1229% | 6,504 |
| Net loans and leases to core deposits | 38.0652% | 6,500 |
| Total domestic deposits to total assets | 84.6112% | 3,924 |
| Equity capital to assets | 8.7379% | 5,478 |
| Core capital (leverage) ratio | 10.2823% | 3,270 |
| Tier 1 risk-based capital ratio | 20.0626% | 1,722 |
| Total risk-based capital ratio | 20.7329% | 1,834 |
| Memoranda: | ||
| Average total assets | $118,100,750 | 4,356 |
| Average earning assets | $110,232,000 | 4,295 |
| Average equity | $10,116,750 | 4,864 |
| Average total loans | $34,136,250 | 5,631 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0271% | 6,423 |
| Cost of funding earning assets | 0.8304% | 1,256 |
| Net interest margin | 2.1967% | 6,682 |
| Noninterest income to average assets | 0.5583% | 3,450 |
| Noninterest expense to average assets | 2.0364% | 5,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5716% | 4,445 |
| Return on assets (ROA) | 0.6049% | 4,434 |
| Pretax return on assets | 0.6049% | 4,995 |
| Return on Equity (ROE) | 7.1063% | 3,545 |
| Retained earnings to average equity (ytd only) | 3.6412% | 3,992 |
| Net charge-offs to loans | -0.0236% | 6,021 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0831% | 2,439 |
| Assets per employee ($millions) | 4.3477% | 3,091 |
| Cash dividends to net income (ytd only)* | 48.7603% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 4,287 |
| Loan loss allowance to noncurrent loans | 205.7269% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.1934% | 5,913 |
| Noncurrent loans to loans | 0.6543% | 4,633 |
| Net loans and leases to total assets | 29.1544% | 6,606 |
| Net loans and leases to deposits | 34.4677% | 6,592 |
| Net loans and leases to core deposits | 36.5282% | 6,586 |
| Total domestic deposits to total assets | 84.5846% | 4,093 |
| Equity capital to assets | 8.1345% | 6,106 |
| Core capital (leverage) ratio | 9.6176% | 4,052 |
| Tier 1 risk-based capital ratio | 19.2146% | 1,935 |
| Total risk-based capital ratio | 19.9914% | 2,032 |
| Memoranda: | ||
| Average total assets | $120,014,000 | 4,348 |
| Average earning assets | $111,988,330 | 4,291 |
| Average equity | $10,216,330 | 4,891 |
| Average total loans | $33,937,670 | 5,670 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0493% | 6,457 |
| Cost of funding earning assets | 0.8384% | 1,319 |
| Net interest margin | 2.2109% | 6,750 |
| Noninterest income to average assets | 0.5671% | 3,331 |
| Noninterest expense to average assets | 2.2485% | 5,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3791% | 5,214 |
| Return on assets (ROA) | 0.3396% | 5,540 |
| Pretax return on assets | 0.3396% | 5,750 |
| Return on Equity (ROE) | 3.9052% | 5,140 |
| Retained earnings to average equity (ytd only) | -0.2654% | 5,828 |
| Net charge-offs to loans | -0.0715% | 6,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5709% | 1,570 |
| Assets per employee ($millions) | 4.4810% | 3,007 |
| Cash dividends to net income (ytd only)* | 106.7961% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 4,149 |
| Loan loss allowance to noncurrent loans | 157.3826% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 5,835 |
| Noncurrent loans to loans | 0.9007% | 4,333 |
| Net loans and leases to total assets | 26.9599% | 6,696 |
| Net loans and leases to deposits | 31.9568% | 6,689 |
| Net loans and leases to core deposits | 34.1153% | 6,671 |
| Total domestic deposits to total assets | 84.3636% | 4,326 |
| Equity capital to assets | 8.5431% | 5,977 |
| Core capital (leverage) ratio | 9.3952% | 4,250 |
| Tier 1 risk-based capital ratio | 19.4437% | 1,924 |
| Total risk-based capital ratio | 20.2465% | 2,017 |
| Memoranda: | ||
| Average total assets | $121,326,500 | 4,367 |
| Average earning assets | $113,075,500 | 4,308 |
| Average equity | $10,550,000 | 4,873 |
| Average total loans | $33,561,000 | 5,722 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6906% | 6,067 |
| Cost of funding earning assets | 1.0099% | 1,305 |
| Net interest margin | 2.6807% | 6,545 |
| Noninterest income to average assets | 0.6919% | 2,760 |
| Noninterest expense to average assets | 2.4900% | 5,133 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7066% | 3,704 |
| Return on assets (ROA) | 0.8043% | 3,518 |
| Pretax return on assets | 0.8043% | 4,276 |
| Return on Equity (ROE) | 8.3781% | 2,925 |
| Retained earnings to average equity (ytd only) | 1.5495% | 5,094 |
| Net charge-offs to loans | 0.0241% | 5,563 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 102.1250% | 377 |
| Efficiency ratio | 77.8950% | 2,459 |
| Assets per employee ($millions) | 4.5061% | 2,952 |
| Cash dividends to net income (ytd only)* | 81.5054% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 4,353 |
| Loan loss allowance to noncurrent loans | 110.5012% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 5,652 |
| Noncurrent loans to loans | 1.2311% | 3,784 |
| Net loans and leases to total assets | 27.5936% | 6,772 |
| Net loans and leases to deposits | 33.1995% | 6,755 |
| Net loans and leases to core deposits | 34.3360% | 6,762 |
| Total domestic deposits to total assets | 83.1144% | 4,671 |
| Equity capital to assets | 8.8472% | 5,690 |
| Core capital (leverage) ratio | 9.6366% | 3,909 |
| Tier 1 risk-based capital ratio | 19.3464% | 1,852 |
| Total risk-based capital ratio | 20.1345% | 1,956 |
| Memoranda: | ||
| Average total assets | $115,623,400 | 4,448 |
| Average earning assets | $108,031,600 | 4,391 |
| Average equity | $11,100,400 | 4,744 |
| Average total loans | $33,131,600 | 5,794 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7990% | 6,030 |
| Cost of funding earning assets | 1.0435% | 1,315 |
| Net interest margin | 2.7556% | 6,571 |
| Noninterest income to average assets | 0.6777% | 2,825 |
| Noninterest expense to average assets | 2.5425% | 4,950 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7116% | 3,864 |
| Return on assets (ROA) | 0.8342% | 3,532 |
| Pretax return on assets | 0.8342% | 4,365 |
| Return on Equity (ROE) | 8.5116% | 3,041 |
| Retained earnings to average equity (ytd only) | 2.1577% | 5,249 |
| Net charge-offs to loans | 0.0365% | 5,136 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 67.6650% | 601 |
| Efficiency ratio | 78.1329% | 2,384 |
| Assets per employee ($millions) | 3.7895% | 4,327 |
| Cash dividends to net income (ytd only)* | 74.6497% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 4,748 |
| Loan loss allowance to noncurrent loans | 141.2844% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 5,983 |
| Noncurrent loans to loans | 0.9301% | 4,572 |
| Net loans and leases to total assets | 30.5194% | 6,798 |
| Net loans and leases to deposits | 37.3823% | 6,774 |
| Net loans and leases to core deposits | 38.7760% | 6,781 |
| Total domestic deposits to total assets | 81.6414% | 5,149 |
| Equity capital to assets | 9.9582% | 4,555 |
| Core capital (leverage) ratio | 9.9485% | 3,618 |
| Tier 1 risk-based capital ratio | 19.2016% | 1,948 |
| Total risk-based capital ratio | 19.9814% | 2,062 |
| Memoranda: | ||
| Average total assets | $114,112,750 | 4,534 |
| Average earning assets | $106,691,000 | 4,471 |
| Average equity | $11,184,500 | 4,770 |
| Average total loans | $32,905,750 | 5,880 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8790% | 5,960 |
| Cost of funding earning assets | 1.0657% | 1,379 |
| Net interest margin | 2.8132% | 6,552 |
| Noninterest income to average assets | 0.6424% | 2,989 |
| Noninterest expense to average assets | 2.5749% | 4,865 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6967% | 3,888 |
| Return on assets (ROA) | 0.8262% | 3,532 |
| Pretax return on assets | 0.8262% | 4,376 |
| Return on Equity (ROE) | 8.4747% | 3,028 |
| Retained earnings to average equity (ytd only) | 0.7182% | 5,773 |
| Net charge-offs to loans | -0.0124% | 6,326 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7052% | 2,366 |
| Assets per employee ($millions) | 3.8268% | 4,254 |
| Cash dividends to net income (ytd only)* | 91.5254% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 4,165 |
| Loan loss allowance to noncurrent loans | 144.2073% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 5,903 |
| Noncurrent loans to loans | 1.0182% | 4,474 |
| Net loans and leases to total assets | 27.6486% | 6,942 |
| Net loans and leases to deposits | 33.8704% | 6,923 |
| Net loans and leases to core deposits | 34.8296% | 6,942 |
| Total domestic deposits to total assets | 81.6306% | 5,255 |
| Equity capital to assets | 9.8541% | 4,543 |
| Core capital (leverage) ratio | 9.7728% | 3,754 |
| Tier 1 risk-based capital ratio | 18.9840% | 1,972 |
| Total risk-based capital ratio | 19.7834% | 2,079 |
| Memoranda: | ||
| Average total assets | $114,255,330 | 4,558 |
| Average earning assets | $106,780,670 | 4,490 |
| Average equity | $11,139,000 | 4,778 |
| Average total loans | $32,155,000 | 5,958 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9238% | 5,962 |
| Cost of funding earning assets | 1.0899% | 1,456 |
| Net interest margin | 2.8339% | 6,581 |
| Noninterest income to average assets | 0.6492% | 2,935 |
| Noninterest expense to average assets | 2.5654% | 4,942 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7299% | 3,732 |
| Return on assets (ROA) | 0.7405% | 3,907 |
| Pretax return on assets | 0.7405% | 4,645 |
| Return on Equity (ROE) | 7.6366% | 3,437 |
| Retained earnings to average equity (ytd only) | -2.8954% | 6,381 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8488% | 2,519 |
| Assets per employee ($millions) | 3.8402% | 4,341 |
| Cash dividends to net income (ytd only)* | 137.9147% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 4,014 |
| Loan loss allowance to noncurrent loans | 156.4784% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 6,088 |
| Noncurrent loans to loans | 0.9802% | 4,714 |
| Net loans and leases to total assets | 26.2458% | 7,031 |
| Net loans and leases to deposits | 32.0134% | 7,011 |
| Net loans and leases to core deposits | 32.9089% | 7,016 |
| Total domestic deposits to total assets | 81.9837% | 5,303 |
| Equity capital to assets | 9.5046% | 4,800 |
| Core capital (leverage) ratio | 9.6687% | 3,816 |
| Tier 1 risk-based capital ratio | 19.1163% | 1,958 |
| Total risk-based capital ratio | 19.9264% | 2,054 |
| Memoranda: | ||
| Average total assets | $113,980,500 | 4,599 |
| Average earning assets | $106,427,000 | 4,535 |
| Average equity | $11,052,000 | 4,817 |
| Average total loans | $32,125,000 | 6,001 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2959% | 5,775 |
| Cost of funding earning assets | 1.1617% | 2,275 |
| Net interest margin | 3.1342% | 6,262 |
| Noninterest income to average assets | 0.6471% | 2,907 |
| Noninterest expense to average assets | 2.5637% | 5,234 |
| Loan and lease loss provision to assets | 0.0622% | 5,831 |
| Net operating income to assets | 0.9423% | 2,443 |
| Return on assets (ROA) | 0.9929% | 2,367 |
| Pretax return on assets | 0.9929% | 3,268 |
| Return on Equity (ROE) | 9.7885% | 2,131 |
| Retained earnings to average equity (ytd only) | 0.0613% | 5,809 |
| Net charge-offs to loans | 0.0812% | 5,507 |
| Credit loss provision to net charge-offs | 250.0000% | 958 |
| Earnings coverage of net charge-offs (x) | 40.3571% | 669 |
| Efficiency ratio | 71.8485% | 3,607 |
| Assets per employee ($millions) | 3.7585% | 4,412 |
| Cash dividends to net income (ytd only)* | 99.3733% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 4,434 |
| Loan loss allowance to noncurrent loans | 152.9221% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 6,278 |
| Noncurrent loans to loans | 0.9183% | 4,856 |
| Net loans and leases to total assets | 29.3302% | 7,032 |
| Net loans and leases to deposits | 36.0639% | 6,999 |
| Net loans and leases to core deposits | 36.9063% | 7,019 |
| Total domestic deposits to total assets | 81.3284% | 5,353 |
| Equity capital to assets | 9.8923% | 4,317 |
| Core capital (leverage) ratio | 9.8983% | 3,459 |
| Tier 1 risk-based capital ratio | 18.8464% | 1,943 |
| Total risk-based capital ratio | 19.6394% | 2,043 |
| Memoranda: | ||
| Average total assets | $112,494,200 | 4,583 |
| Average earning assets | $104,844,600 | 4,526 |
| Average equity | $11,411,400 | 4,680 |
| Average total loans | $34,492,600 | 5,937 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3545% | 5,757 |
| Cost of funding earning assets | 1.1770% | 2,471 |
| Net interest margin | 3.1774% | 6,212 |
| Noninterest income to average assets | 0.6404% | 2,937 |
| Noninterest expense to average assets | 2.5710% | 5,194 |
| Loan and lease loss provision to assets | 0.1067% | 5,106 |
| Net operating income to assets | 0.9238% | 2,656 |
| Return on assets (ROA) | 1.0673% | 2,225 |
| Pretax return on assets | 1.0673% | 3,142 |
| Return on Equity (ROE) | 10.4566% | 2,051 |
| Retained earnings to average equity (ytd only) | 2.5444% | 4,840 |
| Net charge-offs to loans | 0.1574% | 4,514 |
| Credit loss provision to net charge-offs | 219.5122% | 1,300 |
| Earnings coverage of net charge-offs (x) | 21.1933% | 1,192 |
| Efficiency ratio | 71.3862% | 3,672 |
| Assets per employee ($millions) | 3.6171% | 4,718 |
| Cash dividends to net income (ytd only)* | 75.6669% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 4,423 |
| Loan loss allowance to noncurrent loans | 177.6952% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 6,443 |
| Noncurrent loans to loans | 0.8047% | 5,262 |
| Net loans and leases to total assets | 30.3657% | 7,077 |
| Net loans and leases to deposits | 37.8699% | 7,041 |
| Net loans and leases to core deposits | 38.9676% | 7,066 |
| Total domestic deposits to total assets | 80.1841% | 5,678 |
| Equity capital to assets | 11.0041% | 3,141 |
| Core capital (leverage) ratio | 10.4353% | 2,952 |
| Tier 1 risk-based capital ratio | 19.5797% | 1,789 |
| Total risk-based capital ratio | 20.4004% | 1,856 |
| Memoranda: | ||
| Average total assets | $112,429,250 | 4,613 |
| Average earning assets | $104,779,000 | 4,554 |
| Average equity | $11,475,750 | 4,701 |
| Average total loans | $34,730,250 | 5,980 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3171% | 5,966 |
| Cost of funding earning assets | 1.1957% | 2,606 |
| Net interest margin | 3.1214% | 6,366 |
| Noninterest income to average assets | 0.6102% | 3,070 |
| Noninterest expense to average assets | 2.5498% | 5,354 |
| Loan and lease loss provision to assets | 0.1583% | 4,338 |
| Net operating income to assets | 0.8124% | 3,017 |
| Return on assets (ROA) | 0.9672% | 2,467 |
| Pretax return on assets | 0.9672% | 3,369 |
| Return on Equity (ROE) | 9.7167% | 2,226 |
| Retained earnings to average equity (ytd only) | 1.3073% | 5,326 |
| Net charge-offs to loans | 0.4038% | 2,939 |
| Credit loss provision to net charge-offs | 126.7606% | 2,413 |
| Earnings coverage of net charge-offs (x) | 7.7746% | 2,170 |
| Efficiency ratio | 72.4276% | 3,648 |
| Assets per employee ($millions) | 3.9860% | 3,779 |
| Cash dividends to net income (ytd only)* | 86.5455% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 5,086 |
| Loan loss allowance to noncurrent loans | 198.2301% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 6,604 |
| Noncurrent loans to loans | 0.6528% | 5,616 |
| Net loans and leases to total assets | 30.6167% | 7,158 |
| Net loans and leases to deposits | 38.2650% | 7,113 |
| Net loans and leases to core deposits | 39.5791% | 7,134 |
| Total domestic deposits to total assets | 80.0124% | 5,820 |
| Equity capital to assets | 10.4669% | 3,550 |
| Core capital (leverage) ratio | 10.0325% | 3,225 |
| Tier 1 risk-based capital ratio | 18.7038% | 1,933 |
| Total risk-based capital ratio | 19.4479% | 2,062 |
| Memoranda: | ||
| Average total assets | $113,734,330 | 4,617 |
| Average earning assets | $106,043,000 | 4,564 |
| Average equity | $11,320,670 | 4,736 |
| Average total loans | $35,164,000 | 6,018 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2358% | 6,192 |
| Cost of funding earning assets | 1.2289% | 2,637 |
| Net interest margin | 3.0069% | 6,559 |
| Noninterest income to average assets | 0.5366% | 3,608 |
| Noninterest expense to average assets | 2.5157% | 5,501 |
| Loan and lease loss provision to assets | 0.1568% | 4,065 |
| Net operating income to assets | 0.6690% | 3,665 |
| Return on assets (ROA) | 0.8397% | 2,889 |
| Pretax return on assets | 0.8397% | 3,744 |
| Return on Equity (ROE) | 8.6535% | 2,628 |
| Retained earnings to average equity (ytd only) | -1.5799% | 6,083 |
| Net charge-offs to loans | 0.2032% | 3,289 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 13.1667% | 1,455 |
| Efficiency ratio | 75.2868% | 3,285 |
| Assets per employee ($millions) | 3.9268% | 3,999 |
| Cash dividends to net income (ytd only)* | 118.2573% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 4,934 |
| Loan loss allowance to noncurrent loans | 96.4059% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 6,064 |
| Noncurrent loans to loans | 1.3911% | 4,385 |
| Net loans and leases to total assets | 29.4572% | 7,242 |
| Net loans and leases to deposits | 36.2081% | 7,223 |
| Net loans and leases to core deposits | 37.6137% | 7,231 |
| Total domestic deposits to total assets | 81.3553% | 5,550 |
| Equity capital to assets | 9.7070% | 4,164 |
| Core capital (leverage) ratio | 9.6759% | 3,559 |
| Tier 1 risk-based capital ratio | 18.2888% | 2,024 |
| Total risk-based capital ratio | 19.0372% | 2,149 |
| Memoranda: | ||
| Average total assets | $114,797,000 | 4,625 |
| Average earning assets | $107,087,500 | 4,556 |
| Average equity | $11,140,000 | 4,764 |
| Average total loans | $35,436,500 | 6,056 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6316% | 6,014 |
| Cost of funding earning assets | 1.4258% | 3,099 |
| Net interest margin | 3.2058% | 6,255 |
| Noninterest income to average assets | 0.6247% | 3,316 |
| Noninterest expense to average assets | 2.4893% | 5,846 |
| Loan and lease loss provision to assets | 0.0758% | 6,393 |
| Net operating income to assets | 1.0546% | 1,858 |
| Return on assets (ROA) | 1.1158% | 1,739 |
| Pretax return on assets | 1.1158% | 2,523 |
| Return on Equity (ROE) | 11.2080% | 1,525 |
| Retained earnings to average equity (ytd only) | 1.2809% | 4,907 |
| Net charge-offs to loans | 0.1956% | 5,124 |
| Credit loss provision to net charge-offs | 120.5479% | 3,495 |
| Earnings coverage of net charge-offs (x) | 17.9726% | 1,121 |
| Efficiency ratio | 68.7693% | 4,411 |
| Assets per employee ($millions) | 3.7328% | 4,396 |
| Cash dividends to net income (ytd only)* | 88.5714% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 5,672 |
| Loan loss allowance to noncurrent loans | 80.9434% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4580% | 6,134 |
| Noncurrent loans to loans | 1.4374% | 4,330 |
| Net loans and leases to total assets | 31.4932% | 7,302 |
| Net loans and leases to deposits | 39.4076% | 7,272 |
| Net loans and leases to core deposits | 40.9339% | 7,282 |
| Total domestic deposits to total assets | 79.9165% | 5,860 |
| Equity capital to assets | 9.7013% | 4,129 |
| Core capital (leverage) ratio | 9.6217% | 3,521 |
| Tier 1 risk-based capital ratio | 18.0737% | 1,975 |
| Total risk-based capital ratio | 18.7669% | 2,131 |
| Memoranda: | ||
| Average total assets | $116,057,800 | 4,573 |
| Average earning assets | $108,428,200 | 4,500 |
| Average equity | $11,554,200 | 4,719 |
| Average total loans | $37,315,200 | 6,050 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6983% | 6,024 |
| Cost of funding earning assets | 1.4666% | 3,168 |
| Net interest margin | 3.2317% | 6,243 |
| Noninterest income to average assets | 0.6188% | 3,327 |
| Noninterest expense to average assets | 2.4693% | 5,822 |
| Loan and lease loss provision to assets | 0.1010% | 6,012 |
| Net operating income to assets | 1.0688% | 2,009 |
| Return on assets (ROA) | 1.1480% | 1,841 |
| Pretax return on assets | 1.1480% | 2,675 |
| Return on Equity (ROE) | 11.4582% | 1,657 |
| Retained earnings to average equity (ytd only) | 3.2198% | 4,176 |
| Net charge-offs to loans | 0.1852% | 4,843 |
| Credit loss provision to net charge-offs | 169.2308% | 2,196 |
| Earnings coverage of net charge-offs (x) | 19.5966% | 1,201 |
| Efficiency ratio | 67.8549% | 4,488 |
| Assets per employee ($millions) | 3.6018% | 4,733 |
| Cash dividends to net income (ytd only)* | 71.8998% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 5,423 |
| Loan loss allowance to noncurrent loans | 77.8547% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.5177% | 6,132 |
| Noncurrent loans to loans | 1.5579% | 4,305 |
| Net loans and leases to total assets | 32.8258% | 7,382 |
| Net loans and leases to deposits | 41.8259% | 7,308 |
| Net loans and leases to core deposits | 43.5380% | 7,338 |
| Total domestic deposits to total assets | 78.4821% | 6,148 |
| Equity capital to assets | 10.7365% | 3,245 |
| Core capital (leverage) ratio | 10.0088% | 3,247 |
| Tier 1 risk-based capital ratio | 18.4362% | 1,886 |
| Total risk-based capital ratio | 19.1692% | 2,012 |
| Memoranda: | ||
| Average total assets | $116,143,000 | 4,633 |
| Average earning assets | $108,547,250 | 4,556 |
| Average equity | $11,636,250 | 4,776 |
| Average total loans | $37,426,000 | 6,123 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6739% | 6,234 |
| Cost of funding earning assets | 1.5162% | 3,159 |
| Net interest margin | 3.1577% | 6,437 |
| Noninterest income to average assets | 0.6035% | 3,318 |
| Noninterest expense to average assets | 2.4295% | 5,979 |
| Loan and lease loss provision to assets | 0.1326% | 5,562 |
| Net operating income to assets | 0.9946% | 2,220 |
| Return on assets (ROA) | 1.1068% | 1,905 |
| Pretax return on assets | 1.1068% | 2,763 |
| Return on Equity (ROE) | 11.3031% | 1,647 |
| Retained earnings to average equity (ytd only) | 2.6738% | 4,445 |
| Net charge-offs to loans | 0.2877% | 3,896 |
| Credit loss provision to net charge-offs | 144.4444% | 2,751 |
| Earnings coverage of net charge-offs (x) | 12.2778% | 1,691 |
| Efficiency ratio | 68.3078% | 4,518 |
| Assets per employee ($millions) | 3.5449% | 4,807 |
| Cash dividends to net income (ytd only)* | 76.3441% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 5,653 |
| Loan loss allowance to noncurrent loans | 135.6037% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.2936% | 6,678 |
| Noncurrent loans to loans | 0.8546% | 5,553 |
| Net loans and leases to total assets | 32.9328% | 7,453 |
| Net loans and leases to deposits | 41.3618% | 7,408 |
| Net loans and leases to core deposits | 42.9916% | 7,429 |
| Total domestic deposits to total assets | 79.6213% | 5,853 |
| Equity capital to assets | 10.1307% | 3,856 |
| Core capital (leverage) ratio | 9.7099% | 3,523 |
| Tier 1 risk-based capital ratio | 17.9118% | 1,978 |
| Total risk-based capital ratio | 18.6128% | 2,109 |
| Memoranda: | ||
| Average total assets | $117,638,670 | 4,625 |
| Average earning assets | $110,015,330 | 4,556 |
| Average equity | $11,519,000 | 4,798 |
| Average total loans | $37,534,000 | 6,163 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6236% | 6,493 |
| Cost of funding earning assets | 1.5329% | 3,360 |
| Net interest margin | 3.0907% | 6,614 |
| Noninterest income to average assets | 0.5445% | 3,687 |
| Noninterest expense to average assets | 2.3752% | 6,178 |
| Loan and lease loss provision to assets | 0.0668% | 5,966 |
| Net operating income to assets | 0.9988% | 2,192 |
| Return on assets (ROA) | 1.0189% | 2,177 |
| Pretax return on assets | 1.0189% | 3,018 |
| Return on Equity (ROE) | 10.5788% | 1,916 |
| Retained earnings to average equity (ytd only) | 1.4221% | 5,229 |
| Net charge-offs to loans | 0.0749% | 4,665 |
| Credit loss provision to net charge-offs | 285.7143% | 1,373 |
| Earnings coverage of net charge-offs (x) | 45.5714% | 608 |
| Efficiency ratio | 69.0291% | 4,503 |
| Assets per employee ($millions) | 3.7100% | 4,552 |
| Cash dividends to net income (ytd only)* | 86.5574% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 5,698 |
| Loan loss allowance to noncurrent loans | 135.1266% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 6,805 |
| Noncurrent loans to loans | 0.8603% | 5,597 |
| Net loans and leases to total assets | 30.5787% | 7,604 |
| Net loans and leases to deposits | 38.8716% | 7,552 |
| Net loans and leases to core deposits | 40.3497% | 7,567 |
| Total domestic deposits to total assets | 78.6658% | 6,163 |
| Equity capital to assets | 9.6875% | 4,245 |
| Core capital (leverage) ratio | 9.2638% | 4,111 |
| Tier 1 risk-based capital ratio | 17.2907% | 2,156 |
| Total risk-based capital ratio | 17.9571% | 2,326 |
| Memoranda: | ||
| Average total assets | $119,739,500 | 4,635 |
| Average earning assets | $112,207,000 | 4,561 |
| Average equity | $11,532,500 | 4,843 |
| Average total loans | $37,403,000 | 6,240 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2208% | 5,551 |
| Cost of funding earning assets | 1.7752% | 4,127 |
| Net interest margin | 3.4456% | 5,190 |
| Noninterest income to average assets | 0.7132% | 2,879 |
| Noninterest expense to average assets | 2.7606% | 5,120 |
| Loan and lease loss provision to assets | 0.2575% | 5,335 |
| Net operating income to assets | 0.8963% | 2,187 |
| Return on assets (ROA) | 1.1264% | 1,482 |
| Pretax return on assets | 1.1264% | 2,168 |
| Return on Equity (ROE) | 11.0299% | 1,409 |
| Retained earnings to average equity (ytd only) | 1.1091% | 4,268 |
| Net charge-offs to loans | 0.8076% | 2,807 |
| Credit loss provision to net charge-offs | 91.5094% | 5,952 |
| Earnings coverage of net charge-offs (x) | 4.1006% | 3,066 |
| Efficiency ratio | 70.5244% | 4,521 |
| Assets per employee ($millions) | 3.7737% | 4,346 |
| Cash dividends to net income (ytd only)* | 89.9450% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 5,958 |
| Loan loss allowance to noncurrent loans | 91.3907% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.3751% | 6,511 |
| Noncurrent loans to loans | 1.1897% | 4,953 |
| Net loans and leases to total assets | 31.1877% | 7,681 |
| Net loans and leases to deposits | 39.6209% | 7,636 |
| Net loans and leases to core deposits | 46.2076% | 7,662 |
| Total domestic deposits to total assets | 78.7155% | 6,057 |
| Equity capital to assets | 9.5761% | 4,302 |
| Core capital (leverage) ratio | 9.1804% | 4,149 |
| Tier 1 risk-based capital ratio | 17.2812% | 2,083 |
| Total risk-based capital ratio | 17.9293% | 2,206 |
| Memoranda: | ||
| Average total assets | $113,017,800 | 4,757 |
| Average earning assets | $105,002,200 | 4,705 |
| Average equity | $11,541,400 | 4,864 |
| Average total loans | $39,375,200 | 6,144 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3454% | 5,194 |
| Cost of funding earning assets | 1.8150% | 4,315 |
| Net interest margin | 3.5304% | 4,743 |
| Noninterest income to average assets | 0.6626% | 3,273 |
| Noninterest expense to average assets | 2.6082% | 5,690 |
| Loan and lease loss provision to assets | 0.2052% | 5,347 |
| Net operating income to assets | 1.1223% | 1,665 |
| Return on assets (ROA) | 1.3191% | 1,251 |
| Pretax return on assets | 1.3191% | 1,911 |
| Return on Equity (ROE) | 12.7023% | 1,176 |
| Retained earnings to average equity (ytd only) | 3.6870% | 3,229 |
| Net charge-offs to loans | 0.6213% | 2,816 |
| Credit loss provision to net charge-offs | 92.4324% | 5,420 |
| Earnings coverage of net charge-offs (x) | 5.9784% | 2,693 |
| Efficiency ratio | 66.2702% | 5,315 |
| Assets per employee ($millions) | 3.5457% | 4,824 |
| Cash dividends to net income (ytd only)* | 70.9732% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 5,684 |
| Loan loss allowance to noncurrent loans | 93.8462% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 6,452 |
| Noncurrent loans to loans | 1.1784% | 4,973 |
| Net loans and leases to total assets | 33.6533% | 7,698 |
| Net loans and leases to deposits | 43.7168% | 7,630 |
| Net loans and leases to core deposits | 51.0140% | 7,662 |
| Total domestic deposits to total assets | 76.9802% | 6,340 |
| Equity capital to assets | 10.6555% | 3,339 |
| Core capital (leverage) ratio | 10.1582% | 3,105 |
| Tier 1 risk-based capital ratio | 17.8646% | 2,027 |
| Total risk-based capital ratio | 18.5456% | 2,133 |
| Memoranda: | ||
| Average total assets | $111,082,500 | 4,827 |
| Average earning assets | $102,989,000 | 4,787 |
| Average equity | $11,535,750 | 4,917 |
| Average total loans | $39,700,000 | 6,169 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4540% | 4,871 |
| Cost of funding earning assets | 1.8624% | 4,455 |
| Net interest margin | 3.5916% | 4,401 |
| Noninterest income to average assets | 0.6111% | 3,595 |
| Noninterest expense to average assets | 2.5479% | 5,955 |
| Loan and lease loss provision to assets | 0.0925% | 6,245 |
| Net operating income to assets | 1.2966% | 1,235 |
| Return on assets (ROA) | 1.3764% | 1,144 |
| Pretax return on assets | 1.3764% | 1,797 |
| Return on Equity (ROE) | 13.3733% | 1,102 |
| Retained earnings to average equity (ytd only) | 3.7706% | 3,202 |
| Net charge-offs to loans | 0.1897% | 4,363 |
| Credit loss provision to net charge-offs | 134.2105% | 3,475 |
| Earnings coverage of net charge-offs (x) | 20.1579% | 1,327 |
| Efficiency ratio | 64.7167% | 5,769 |
| Assets per employee ($millions) | 3.4401% | 4,976 |
| Cash dividends to net income (ytd only)* | 71.8050% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 5,250 |
| Loan loss allowance to noncurrent loans | 172.6236% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 6,896 |
| Noncurrent loans to loans | 0.6682% | 5,915 |
| Net loans and leases to total assets | 35.3446% | 7,730 |
| Net loans and leases to deposits | 46.3820% | 7,624 |
| Net loans and leases to core deposits | 54.7799% | 7,641 |
| Total domestic deposits to total assets | 76.2032% | 6,506 |
| Equity capital to assets | 10.7456% | 3,163 |
| Core capital (leverage) ratio | 10.0238% | 3,273 |
| Tier 1 risk-based capital ratio | 17.4308% | 2,169 |
| Total risk-based capital ratio | 18.1440% | 2,286 |
| Memoranda: | ||
| Average total assets | $110,289,000 | 4,875 |
| Average earning assets | $102,126,670 | 4,834 |
| Average equity | $11,351,000 | 4,987 |
| Average total loans | $40,063,000 | 6,204 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4390% | 5,234 |
| Cost of funding earning assets | 1.9031% | 4,617 |
| Net interest margin | 3.5359% | 4,584 |
| Noninterest income to average assets | 0.5580% | 3,860 |
| Noninterest expense to average assets | 2.4422% | 6,049 |
| Loan and lease loss provision to assets | 0.0435% | 6,426 |
| Net operating income to assets | 1.3443% | 1,278 |
| Return on assets (ROA) | 1.3407% | 1,379 |
| Pretax return on assets | 1.3407% | 2,145 |
| Return on Equity (ROE) | 13.3189% | 1,311 |
| Retained earnings to average equity (ytd only) | 2.2318% | 4,631 |
| Net charge-offs to loans | 0.0099% | 5,507 |
| Credit loss provision to net charge-offs | 1,200.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 383.0000% | 91 |
| Efficiency ratio | 63.7654% | 5,732 |
| Assets per employee ($millions) | 3.4529% | 4,932 |
| Cash dividends to net income (ytd only)* | 83.2432% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 5,021 |
| Loan loss allowance to noncurrent loans | 106.3529% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.3846% | 6,347 |
| Noncurrent loans to loans | 1.0946% | 4,798 |
| Net loans and leases to total assets | 34.7295% | 7,779 |
| Net loans and leases to deposits | 44.5691% | 7,706 |
| Net loans and leases to core deposits | 52.0495% | 7,732 |
| Total domestic deposits to total assets | 77.9228% | 6,044 |
| Equity capital to assets | 10.0666% | 3,926 |
| Core capital (leverage) ratio | 9.9091% | 3,509 |
| Tier 1 risk-based capital ratio | 17.5283% | 2,180 |
| Total risk-based capital ratio | 18.2521% | 2,270 |
| Memoranda: | ||
| Average total assets | $110,392,500 | 4,891 |
| Average earning assets | $102,151,500 | 4,856 |
| Average equity | $11,112,000 | 5,074 |
| Average total loans | $40,413,500 | 6,217 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0072% | 5,513 |
| Cost of funding earning assets | 2.3554% | 4,907 |
| Net interest margin | 3.6519% | 4,668 |
| Noninterest income to average assets | 0.8109% | 2,454 |
| Noninterest expense to average assets | 2.5888% | 5,690 |
| Loan and lease loss provision to assets | 0.0923% | 6,213 |
| Net operating income to assets | 1.4900% | 1,045 |
| Return on assets (ROA) | 1.5176% | 951 |
| Pretax return on assets | 1.5176% | 1,628 |
| Return on Equity (ROE) | 15.3741% | 871 |
| Retained earnings to average equity (ytd only) | 4.5608% | 2,286 |
| Net charge-offs to loans | 0.1882% | 4,304 |
| Credit loss provision to net charge-offs | 129.8701% | 4,096 |
| Earnings coverage of net charge-offs (x) | 22.2727% | 1,479 |
| Efficiency ratio | 62.0659% | 5,940 |
| Assets per employee ($millions) | 3.3422% | 5,110 |
| Cash dividends to net income (ytd only)* | 70.3343% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 5,631 |
| Loan loss allowance to noncurrent loans | 148.4848% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 6,499 |
| Noncurrent loans to loans | 0.7071% | 5,267 |
| Net loans and leases to total assets | 37.6821% | 7,767 |
| Net loans and leases to deposits | 49.3868% | 7,654 |
| Net loans and leases to core deposits | 56.8777% | 7,714 |
| Total domestic deposits to total assets | 76.3000% | 6,168 |
| Equity capital to assets | 10.0652% | 3,957 |
| Core capital (leverage) ratio | 9.8497% | 3,588 |
| Tier 1 risk-based capital ratio | 16.8116% | 2,383 |
| Total risk-based capital ratio | 17.4929% | 2,504 |
| Memoranda: | ||
| Average total assets | $108,392,000 | 4,823 |
| Average earning assets | $99,729,800 | 4,809 |
| Average equity | $10,699,800 | 5,214 |
| Average total loans | $40,911,200 | 6,124 |