Home > The Citizens State Bank at Mohall > Performance and Condition Ratios
The Citizens State Bank at Mohall, 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 | 4.8190% | 2,438 |
| Cost of funding earning assets | 0.9248% | 3,468 |
| Net interest margin | 3.8942% | 1,391 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.8677% | 1,340 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.8593% | 2,677 |
| Return on assets (ROA) | 0.8791% | 2,578 |
| Pretax return on assets | 0.8791% | 3,017 |
| Return on Equity (ROE) | 8.4300% | 2,910 |
| Retained earnings to average equity (ytd only) | 6.6703% | 2,002 |
| Net charge-offs to loans | 0.2436% | 442 |
| Credit loss provision to net charge-offs | 84.7458% | 1,986 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,502 |
| Efficiency ratio | 74.1323% | 1,447 |
| Assets per employee ($millions) | 6.4090% | 2,476 |
| Cash dividends to net income (ytd only)* | 20.9003% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6380% | 4,201 |
| Loan loss allowance to noncurrent loans | 92.5072% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 1,141 |
| Noncurrent loans to loans | 0.6896% | 1,142 |
| Net loans and leases to total assets | 70.9200% | 1,712 |
| Net loans and leases to deposits | 84.3117% | 1,752 |
| Net loans and leases to core deposits | 90.9680% | 1,986 |
| Total domestic deposits to total assets | 84.1100% | 2,597 |
| Equity capital to assets | 11.0299% | 1,465 |
| Core capital (leverage) ratio | 12.1394% | 1,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1540% | 1,238 |
| Memoranda: | ||
| Average total assets | $70,753,400 | 4,103 |
| Average earning assets | $67,150,600 | 4,065 |
| Average equity | $7,376,000 | 4,003 |
| Average total loans | $48,430,600 | 3,863 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7282% | 2,413 |
| Cost of funding earning assets | 0.7831% | 3,569 |
| Net interest margin | 3.9451% | 1,310 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 2.7036% | 1,645 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.0656% | 2,164 |
| Return on assets (ROA) | 1.0920% | 2,064 |
| Pretax return on assets | 1.0920% | 2,587 |
| Return on Equity (ROE) | 10.6300% | 2,470 |
| Retained earnings to average equity (ytd only) | 8.7042% | 1,766 |
| Net charge-offs to loans | 0.2585% | 345 |
| Credit loss provision to net charge-offs | 86.0215% | 1,725 |
| Earnings coverage of net charge-offs (x) | 6.9462% | 2,258 |
| Efficiency ratio | 68.9721% | 1,909 |
| Assets per employee ($millions) | 6.3416% | 2,462 |
| Cash dividends to net income (ytd only)* | 18.1034% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6342% | 4,226 |
| Loan loss allowance to noncurrent loans | 86.4721% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 1,079 |
| Noncurrent loans to loans | 0.7334% | 1,125 |
| Net loans and leases to total assets | 73.2200% | 1,444 |
| Net loans and leases to deposits | 88.1143% | 1,373 |
| Net loans and leases to core deposits | 95.2611% | 1,598 |
| Total domestic deposits to total assets | 83.1000% | 2,998 |
| Equity capital to assets | 10.4088% | 1,596 |
| Core capital (leverage) ratio | 12.2057% | 1,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0938% | 1,299 |
| Memoranda: | ||
| Average total assets | $70,817,000 | 4,119 |
| Average earning assets | $67,423,750 | 4,087 |
| Average equity | $7,276,000 | 4,013 |
| Average total loans | $47,959,000 | 3,879 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6554% | 2,296 |
| Cost of funding earning assets | 0.6503% | 3,627 |
| Net interest margin | 4.0051% | 1,232 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.7006% | 1,644 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2646% | 1,655 |
| Return on assets (ROA) | 1.2899% | 1,580 |
| Pretax return on assets | 1.2899% | 2,109 |
| Return on Equity (ROE) | 12.6100% | 1,984 |
| Retained earnings to average equity (ytd only) | 10.4107% | 1,308 |
| Net charge-offs to loans | -0.0043% | 3,675 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.1077% | 1,972 |
| Assets per employee ($millions) | 6.3389% | 2,438 |
| Cash dividends to net income (ytd only)* | 17.4292% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6844% | 4,208 |
| Loan loss allowance to noncurrent loans | 149.1228% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 1,615 |
| Noncurrent loans to loans | 0.4590% | 1,566 |
| Net loans and leases to total assets | 70.7500% | 1,662 |
| Net loans and leases to deposits | 79.3410% | 2,024 |
| Net loans and leases to core deposits | 85.3237% | 2,123 |
| Total domestic deposits to total assets | 89.1800% | 1,183 |
| Equity capital to assets | 10.6700% | 1,520 |
| Core capital (leverage) ratio | 11.6130% | 1,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3639% | 1,248 |
| Memoranda: | ||
| Average total assets | $71,170,000 | 4,135 |
| Average earning assets | $67,663,333 | 4,101 |
| Average equity | $7,281,000 | 4,039 |
| Average total loans | $46,810,333 | 3,909 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4658% | 2,401 |
| Cost of funding earning assets | 0.5354% | 3,576 |
| Net interest margin | 3.9304% | 1,407 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.7263% | 1,601 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1072% | 2,202 |
| Return on assets (ROA) | 1.1517% | 2,027 |
| Pretax return on assets | 1.1517% | 2,556 |
| Return on Equity (ROE) | 11.5000% | 2,354 |
| Retained earnings to average equity (ytd only) | 11.4976% | 1,361 |
| Net charge-offs to loans | 0.0088% | 1,614 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 199.0000% | 504 |
| Efficiency ratio | 71.1176% | 1,622 |
| Assets per employee ($millions) | 6.6175% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7276% | 4,203 |
| Loan loss allowance to noncurrent loans | 153.6364% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 1,653 |
| Noncurrent loans to loans | 0.4736% | 1,530 |
| Net loans and leases to total assets | 63.3500% | 2,312 |
| Net loans and leases to deposits | 70.6282% | 2,560 |
| Net loans and leases to core deposits | 75.2816% | 2,582 |
| Total domestic deposits to total assets | 89.7000% | 1,263 |
| Equity capital to assets | 10.2044% | 1,721 |
| Core capital (leverage) ratio | 11.1047% | 1,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5295% | 1,257 |
| Memoranda: | ||
| Average total assets | $71,891,000 | 4,182 |
| Average earning assets | $67,983,000 | 4,152 |
| Average equity | $7,201,500 | 4,096 |
| Average total loans | $45,378,000 | 3,973 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6954% | 2,536 |
| Cost of funding earning assets | 0.2754% | 3,090 |
| Net interest margin | 3.4200% | 2,186 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 2.8194% | 1,279 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4639% | 4,149 |
| Return on assets (ROA) | 0.4581% | 4,116 |
| Pretax return on assets | 0.4581% | 4,223 |
| Return on Equity (ROE) | 4.4200% | 4,096 |
| Retained earnings to average equity (ytd only) | 3.6382% | 3,526 |
| Net charge-offs to loans | 0.1125% | 666 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 6.5510% | 2,331 |
| Efficiency ratio | 85.8715% | 424 |
| Assets per employee ($millions) | 6.4536% | 2,378 |
| Cash dividends to net income (ytd only)* | 17.6656% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7652% | 4,104 |
| Loan loss allowance to noncurrent loans | 151.3393% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 1,599 |
| Noncurrent loans to loans | 0.5056% | 1,439 |
| Net loans and leases to total assets | 61.9300% | 2,448 |
| Net loans and leases to deposits | 68.7201% | 2,687 |
| Net loans and leases to core deposits | 72.6073% | 2,674 |
| Total domestic deposits to total assets | 90.1200% | 1,307 |
| Equity capital to assets | 9.8253% | 1,804 |
| Core capital (leverage) ratio | 11.7132% | 1,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7377% | 1,176 |
| Memoranda: | ||
| Average total assets | $69,199,400 | 4,240 |
| Average earning assets | $64,269,000 | 4,215 |
| Average equity | $7,173,800 | 4,185 |
| Average total loans | $43,550,600 | 4,003 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6010% | 2,346 |
| Cost of funding earning assets | 0.2479% | 2,730 |
| Net interest margin | 3.3531% | 2,128 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 2.6665% | 1,542 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5605% | 3,938 |
| Return on assets (ROA) | 0.5508% | 3,909 |
| Pretax return on assets | 0.5508% | 4,066 |
| Return on Equity (ROE) | 5.2400% | 3,936 |
| Retained earnings to average equity (ytd only) | 4.4114% | 3,323 |
| Net charge-offs to loans | -0.0523% | 4,319 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.6322% | 624 |
| Assets per employee ($millions) | 6.0278% | 2,739 |
| Cash dividends to net income (ytd only)* | 15.8451% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 3,811 |
| Loan loss allowance to noncurrent loans | 116.0458% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 1,030 |
| Noncurrent loans to loans | 0.7884% | 1,020 |
| Net loans and leases to total assets | 66.1500% | 1,873 |
| Net loans and leases to deposits | 75.6033% | 1,915 |
| Net loans and leases to core deposits | 80.3363% | 1,877 |
| Total domestic deposits to total assets | 87.5000% | 2,592 |
| Equity capital to assets | 10.0338% | 1,604 |
| Core capital (leverage) ratio | 11.7182% | 1,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9003% | 1,009 |
| Memoranda: | ||
| Average total assets | $68,751,750 | 4,273 |
| Average earning assets | $63,462,750 | 4,254 |
| Average equity | $7,223,500 | 4,224 |
| Average total loans | $43,362,750 | 4,029 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4509% | 2,295 |
| Cost of funding earning assets | 0.2642% | 2,100 |
| Net interest margin | 3.1867% | 2,234 |
| Noninterest income to average assets | 0.1610% | 4,207 |
| Noninterest expense to average assets | 2.7599% | 1,251 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3134% | 4,264 |
| Return on assets (ROA) | 0.2932% | 4,248 |
| Pretax return on assets | 0.2932% | 4,307 |
| Return on Equity (ROE) | 2.7517% | 4,251 |
| Retained earnings to average equity (ytd only) | 1.8614% | 3,793 |
| Net charge-offs to loans | -0.0790% | 4,381 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8036% | 413 |
| Assets per employee ($millions) | 6.3338% | 2,454 |
| Cash dividends to net income (ytd only)* | 32.3529% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 3,918 |
| Loan loss allowance to noncurrent loans | 148.8971% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 1,443 |
| Noncurrent loans to loans | 0.6133% | 1,385 |
| Net loans and leases to total assets | 63.0770% | 2,008 |
| Net loans and leases to deposits | 70.2253% | 2,183 |
| Net loans and leases to core deposits | 75.3937% | 2,062 |
| Total domestic deposits to total assets | 89.8209% | 1,787 |
| Equity capital to assets | 10.1016% | 1,656 |
| Core capital (leverage) ratio | 11.3553% | 1,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4746% | 1,305 |
| Memoranda: | ||
| Average total assets | $69,567,000 | 4,312 |
| Average earning assets | $63,577,667 | 4,309 |
| Average equity | $7,413,667 | 4,263 |
| Average total loans | $43,061,333 | 4,086 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3149% | 2,340 |
| Cost of funding earning assets | 0.2652% | 1,976 |
| Net interest margin | 3.0497% | 2,331 |
| Noninterest income to average assets | 0.1726% | 4,134 |
| Noninterest expense to average assets | 2.8311% | 1,097 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1208% | 4,442 |
| Return on assets (ROA) | 0.1093% | 4,425 |
| Pretax return on assets | 0.1093% | 4,434 |
| Return on Equity (ROE) | 0.9998% | 4,425 |
| Retained earnings to average equity (ytd only) | 0.9998% | 3,824 |
| Net charge-offs to loans | -0.1509% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9064% | 332 |
| Assets per employee ($millions) | 6.5020% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 3,814 |
| Loan loss allowance to noncurrent loans | 146.3768% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 1,568 |
| Noncurrent loans to loans | 0.6659% | 1,425 |
| Net loans and leases to total assets | 57.3879% | 2,367 |
| Net loans and leases to deposits | 64.0028% | 2,531 |
| Net loans and leases to core deposits | 68.5890% | 2,406 |
| Total domestic deposits to total assets | 89.6647% | 1,736 |
| Equity capital to assets | 10.2654% | 1,711 |
| Core capital (leverage) ratio | 10.9831% | 1,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7543% | 1,094 |
| Memoranda: | ||
| Average total assets | $69,514,500 | 4,332 |
| Average earning assets | $63,349,500 | 4,333 |
| Average equity | $7,601,500 | 4,305 |
| Average total loans | $42,416,000 | 4,115 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2045% | 985 |
| Cost of funding earning assets | 0.3652% | 1,807 |
| Net interest margin | 3.8393% | 937 |
| Noninterest income to average assets | 0.1824% | 4,242 |
| Noninterest expense to average assets | 2.9738% | 1,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6576% | 3,724 |
| Return on assets (ROA) | 0.6821% | 3,721 |
| Pretax return on assets | 0.6821% | 3,966 |
| Return on Equity (ROE) | 5.6518% | 3,851 |
| Retained earnings to average equity (ytd only) | 3.3403% | 3,478 |
| Net charge-offs to loans | 0.0516% | 1,293 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,876 |
| Efficiency ratio | 81.8911% | 682 |
| Assets per employee ($millions) | 6.1370% | 2,623 |
| Cash dividends to net income (ytd only)* | 40.8989% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 4,078 |
| Loan loss allowance to noncurrent loans | 97.2431% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 1,116 |
| Noncurrent loans to loans | 0.9197% | 1,101 |
| Net loans and leases to total assets | 63.6897% | 1,741 |
| Net loans and leases to deposits | 72.1574% | 1,892 |
| Net loans and leases to core deposits | 77.7430% | 1,783 |
| Total domestic deposits to total assets | 88.2649% | 1,896 |
| Equity capital to assets | 11.6447% | 1,429 |
| Core capital (leverage) ratio | 11.9507% | 1,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9420% | 1,279 |
| Memoranda: | ||
| Average total assets | $65,237,000 | 4,390 |
| Average earning assets | $58,604,400 | 4,399 |
| Average equity | $7,873,600 | 4,341 |
| Average total loans | $42,595,400 | 4,138 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3951% | 815 |
| Cost of funding earning assets | 0.3914% | 1,765 |
| Net interest margin | 4.0037% | 790 |
| Noninterest income to average assets | 0.1917% | 4,245 |
| Noninterest expense to average assets | 2.6246% | 1,772 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1525% | 2,354 |
| Return on assets (ROA) | 1.1731% | 2,320 |
| Pretax return on assets | 1.1731% | 3,009 |
| Return on Equity (ROE) | 9.6315% | 2,871 |
| Retained earnings to average equity (ytd only) | 7.3294% | 2,299 |
| Net charge-offs to loans | 0.0314% | 1,432 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 55.9000% | 1,171 |
| Efficiency ratio | 69.4869% | 1,658 |
| Assets per employee ($millions) | 5.7945% | 2,899 |
| Cash dividends to net income (ytd only)* | 23.9016% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 4,061 |
| Loan loss allowance to noncurrent loans | 124.2236% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 1,516 |
| Noncurrent loans to loans | 0.7508% | 1,495 |
| Net loans and leases to total assets | 66.6614% | 1,470 |
| Net loans and leases to deposits | 76.4690% | 1,626 |
| Net loans and leases to core deposits | 82.8459% | 1,509 |
| Total domestic deposits to total assets | 87.1745% | 2,279 |
| Equity capital to assets | 12.7189% | 1,082 |
| Core capital (leverage) ratio | 12.4579% | 996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3100% | 1,081 |
| Memoranda: | ||
| Average total assets | $64,669,500 | 4,456 |
| Average earning assets | $57,911,750 | 4,473 |
| Average equity | $7,876,750 | 4,402 |
| Average total loans | $42,398,500 | 4,192 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 1,513 |
| Cost of funding earning assets | 0.4100% | 1,802 |
| Net interest margin | 3.6143% | 1,558 |
| Noninterest income to average assets | 0.1785% | 4,308 |
| Noninterest expense to average assets | 2.6593% | 1,691 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7479% | 3,649 |
| Return on assets (ROA) | 0.7726% | 3,649 |
| Pretax return on assets | 0.7726% | 3,917 |
| Return on Equity (ROE) | 6.4359% | 3,807 |
| Retained earnings to average equity (ytd only) | 4.1026% | 3,488 |
| Net charge-offs to loans | 0.0474% | 1,156 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 24.3000% | 1,438 |
| Efficiency ratio | 78.0488% | 904 |
| Assets per employee ($millions) | 5.8084% | 2,800 |
| Cash dividends to net income (ytd only)* | 36.2550% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 4,053 |
| Loan loss allowance to noncurrent loans | 123.0769% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 1,642 |
| Noncurrent loans to loans | 0.7591% | 1,584 |
| Net loans and leases to total assets | 66.3808% | 1,651 |
| Net loans and leases to deposits | 75.7804% | 1,845 |
| Net loans and leases to core deposits | 81.5615% | 1,754 |
| Total domestic deposits to total assets | 87.5963% | 2,041 |
| Equity capital to assets | 12.2801% | 1,231 |
| Core capital (leverage) ratio | 11.6706% | 1,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1244% | 1,094 |
| Memoranda: | ||
| Average total assets | $64,979,333 | 4,479 |
| Average earning assets | $58,047,000 | 4,498 |
| Average equity | $7,800,000 | 4,435 |
| Average total loans | $42,234,667 | 4,226 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6929% | 2,377 |
| Cost of funding earning assets | 0.4385% | 1,810 |
| Net interest margin | 3.2544% | 2,535 |
| Noninterest income to average assets | 0.1954% | 4,215 |
| Noninterest expense to average assets | 2.6372% | 1,775 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4579% | 4,253 |
| Return on assets (ROA) | 0.5067% | 4,204 |
| Pretax return on assets | 0.5067% | 4,340 |
| Return on Equity (ROE) | 4.2690% | 4,234 |
| Retained earnings to average equity (ytd only) | 4.2690% | 3,429 |
| Net charge-offs to loans | 0.0954% | 707 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 1,612 |
| Efficiency ratio | 85.2071% | 544 |
| Assets per employee ($millions) | 6.0638% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 4,013 |
| Loan loss allowance to noncurrent loans | 105.5409% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.5682% | 1,664 |
| Noncurrent loans to loans | 0.9015% | 1,499 |
| Net loans and leases to total assets | 62.4284% | 2,240 |
| Net loans and leases to deposits | 70.7687% | 2,434 |
| Net loans and leases to core deposits | 78.7462% | 2,115 |
| Total domestic deposits to total assets | 88.2147% | 1,736 |
| Equity capital to assets | 11.6173% | 1,480 |
| Core capital (leverage) ratio | 11.3452% | 1,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7837% | 1,108 |
| Memoranda: | ||
| Average total assets | $65,523,000 | 4,489 |
| Average earning assets | $58,383,000 | 4,510 |
| Average equity | $7,777,000 | 4,456 |
| Average total loans | $41,946,000 | 4,260 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3506% | 1,719 |
| Cost of funding earning assets | 0.5729% | 2,492 |
| Net interest margin | 3.7778% | 1,564 |
| Noninterest income to average assets | 0.2344% | 4,095 |
| Noninterest expense to average assets | 2.9351% | 1,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7723% | 3,197 |
| Return on assets (ROA) | 0.8012% | 3,209 |
| Pretax return on assets | 0.8012% | 3,622 |
| Return on Equity (ROE) | 6.6070% | 3,365 |
| Retained earnings to average equity (ytd only) | 5.3359% | 2,124 |
| Net charge-offs to loans | 0.0664% | 1,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 16.5862% | 2,121 |
| Efficiency ratio | 79.1685% | 943 |
| Assets per employee ($millions) | 5.8495% | 2,499 |
| Cash dividends to net income (ytd only)* | 19.2385% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 3,943 |
| Loan loss allowance to noncurrent loans | 132.6861% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 2,120 |
| Noncurrent loans to loans | 0.7383% | 1,858 |
| Net loans and leases to total assets | 64.4054% | 2,311 |
| Net loans and leases to deposits | 73.4418% | 2,542 |
| Net loans and leases to core deposits | 82.4368% | 2,161 |
| Total domestic deposits to total assets | 87.6958% | 1,611 |
| Equity capital to assets | 12.1301% | 1,506 |
| Core capital (leverage) ratio | 11.8432% | 1,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5572% | 1,137 |
| Memoranda: | ||
| Average total assets | $62,281,000 | 4,481 |
| Average earning assets | $57,256,000 | 4,478 |
| Average equity | $7,552,600 | 4,471 |
| Average total loans | $43,676,800 | 4,237 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2816% | 2,157 |
| Cost of funding earning assets | 0.5892% | 2,677 |
| Net interest margin | 3.6924% | 1,967 |
| Noninterest income to average assets | 0.1446% | 4,582 |
| Noninterest expense to average assets | 2.7221% | 2,196 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8721% | 2,807 |
| Return on assets (ROA) | 0.9066% | 2,805 |
| Pretax return on assets | 0.9066% | 3,368 |
| Return on Equity (ROE) | 7.4769% | 3,024 |
| Retained earnings to average equity (ytd only) | 6.1952% | 2,020 |
| Net charge-offs to loans | 0.0665% | 1,662 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 18.3636% | 1,963 |
| Efficiency ratio | 75.7357% | 1,226 |
| Assets per employee ($millions) | 5.6912% | 2,546 |
| Cash dividends to net income (ytd only)* | 17.1429% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 3,920 |
| Loan loss allowance to noncurrent loans | 113.3152% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.5878% | 1,966 |
| Noncurrent loans to loans | 0.8316% | 1,763 |
| Net loans and leases to total assets | 70.0222% | 1,948 |
| Net loans and leases to deposits | 80.0848% | 2,306 |
| Net loans and leases to core deposits | 89.9089% | 1,977 |
| Total domestic deposits to total assets | 87.4351% | 1,478 |
| Equity capital to assets | 12.3876% | 1,474 |
| Core capital (leverage) ratio | 11.8758% | 1,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4698% | 1,139 |
| Memoranda: | ||
| Average total assets | $61,765,250 | 4,506 |
| Average earning assets | $57,702,500 | 4,487 |
| Average equity | $7,489,500 | 4,502 |
| Average total loans | $44,133,250 | 4,252 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2781% | 2,527 |
| Cost of funding earning assets | 0.6126% | 2,907 |
| Net interest margin | 3.6654% | 2,279 |
| Noninterest income to average assets | 0.1269% | 4,670 |
| Noninterest expense to average assets | 2.7681% | 2,168 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8034% | 3,036 |
| Return on assets (ROA) | 0.8555% | 2,967 |
| Pretax return on assets | 0.8555% | 3,442 |
| Return on Equity (ROE) | 7.1071% | 3,093 |
| Retained earnings to average equity (ytd only) | 5.8100% | 2,150 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5046% | 1,104 |
| Assets per employee ($millions) | 5.7967% | 2,377 |
| Cash dividends to net income (ytd only)* | 18.2510% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 3,688 |
| Loan loss allowance to noncurrent loans | 40.2015% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.7126% | 487 |
| Noncurrent loans to loans | 2.4237% | 499 |
| Net loans and leases to total assets | 69.9721% | 2,034 |
| Net loans and leases to deposits | 79.6377% | 2,473 |
| Net loans and leases to core deposits | 89.1377% | 2,147 |
| Total domestic deposits to total assets | 87.8631% | 1,249 |
| Equity capital to assets | 11.9629% | 1,685 |
| Core capital (leverage) ratio | 11.7960% | 1,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6762% | 1,326 |
| Memoranda: | ||
| Average total assets | $61,486,000 | 4,522 |
| Average earning assets | $57,783,000 | 4,497 |
| Average equity | $7,401,000 | 4,529 |
| Average total loans | $44,093,333 | 4,258 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3723% | 2,710 |
| Cost of funding earning assets | 0.6426% | 3,204 |
| Net interest margin | 3.7298% | 2,218 |
| Noninterest income to average assets | 0.2187% | 4,238 |
| Noninterest expense to average assets | 2.9032% | 2,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8551% | 2,682 |
| Return on assets (ROA) | 0.8551% | 2,780 |
| Pretax return on assets | 0.8551% | 3,268 |
| Return on Equity (ROE) | 7.0806% | 2,910 |
| Retained earnings to average equity (ytd only) | 7.0806% | 1,509 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2487% | 1,427 |
| Assets per employee ($millions) | 5.5330% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 3,612 |
| Loan loss allowance to noncurrent loans | 55.9949% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.2881% | 911 |
| Noncurrent loans to loans | 1.8170% | 822 |
| Net loans and leases to total assets | 70.1724% | 2,223 |
| Net loans and leases to deposits | 79.9480% | 2,684 |
| Net loans and leases to core deposits | 88.4043% | 2,491 |
| Total domestic deposits to total assets | 87.7725% | 1,200 |
| Equity capital to assets | 12.0057% | 2,065 |
| Core capital (leverage) ratio | 12.2692% | 1,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9063% | 1,370 |
| Memoranda: | ||
| Average total assets | $60,347,000 | 4,555 |
| Average earning assets | $57,269,000 | 4,524 |
| Average equity | $7,287,500 | 4,576 |
| Average total loans | $43,612,000 | 4,284 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 2,813 |
| Cost of funding earning assets | 0.6347% | 3,490 |
| Net interest margin | 3.9036% | 2,165 |
| Noninterest income to average assets | 0.1746% | 4,614 |
| Noninterest expense to average assets | 2.9358% | 2,182 |
| Loan and lease loss provision to assets | 0.0416% | 3,185 |
| Net operating income to assets | 0.9293% | 3,096 |
| Return on assets (ROA) | 0.9293% | 3,171 |
| Pretax return on assets | 0.9293% | 3,650 |
| Return on Equity (ROE) | 7.8348% | 3,230 |
| Retained earnings to average equity (ytd only) | 3.6021% | 3,198 |
| Net charge-offs to loans | 0.1606% | 1,252 |
| Credit loss provision to net charge-offs | 35.2113% | 3,239 |
| Earnings coverage of net charge-offs (x) | 8.2254% | 2,792 |
| Efficiency ratio | 75.1489% | 1,465 |
| Assets per employee ($millions) | 5.4392% | 2,112 |
| Cash dividends to net income (ytd only)* | 54.0250% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 3,547 |
| Loan loss allowance to noncurrent loans | 104.5238% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.7939% | 1,629 |
| Noncurrent loans to loans | 0.9529% | 1,606 |
| Net loans and leases to total assets | 72.9338% | 1,929 |
| Net loans and leases to deposits | 89.0133% | 1,699 |
| Net loans and leases to core deposits | 99.9702% | 1,566 |
| Total domestic deposits to total assets | 81.9358% | 3,523 |
| Equity capital to assets | 12.1475% | 2,044 |
| Core capital (leverage) ratio | 11.9281% | 1,824 |
| Tier 1 risk-based capital ratio | 15.7415% | 2,491 |
| Total risk-based capital ratio | 16.7036% | 2,526 |
| Memoranda: | ||
| Average total assets | $60,153,200 | 4,594 |
| Average earning assets | $57,511,400 | 4,566 |
| Average equity | $7,134,800 | 4,622 |
| Average total loans | $44,215,600 | 4,302 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5018% | 3,059 |
| Cost of funding earning assets | 0.6157% | 3,612 |
| Net interest margin | 3.8861% | 2,307 |
| Noninterest income to average assets | 0.1882% | 4,590 |
| Noninterest expense to average assets | 2.7647% | 2,674 |
| Loan and lease loss provision to assets | 0.0553% | 2,803 |
| Net operating income to assets | 1.0846% | 2,635 |
| Return on assets (ROA) | 1.0846% | 2,725 |
| Pretax return on assets | 1.0846% | 3,340 |
| Return on Equity (ROE) | 9.1997% | 2,802 |
| Retained earnings to average equity (ytd only) | 5.4072% | 2,673 |
| Net charge-offs to loans | 0.2169% | 816 |
| Credit loss provision to net charge-offs | 34.7222% | 2,888 |
| Earnings coverage of net charge-offs (x) | 7.1526% | 2,769 |
| Efficiency ratio | 70.8050% | 2,001 |
| Assets per employee ($millions) | 5.4780% | 2,049 |
| Cash dividends to net income (ytd only)* | 41.2248% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 3,690 |
| Loan loss allowance to noncurrent loans | 97.1175% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.7484% | 1,833 |
| Noncurrent loans to loans | 1.0073% | 1,586 |
| Net loans and leases to total assets | 73.5786% | 1,905 |
| Net loans and leases to deposits | 89.5227% | 1,756 |
| Net loans and leases to core deposits | 101.1567% | 1,570 |
| Total domestic deposits to total assets | 82.1899% | 3,417 |
| Equity capital to assets | 12.1345% | 2,158 |
| Core capital (leverage) ratio | 11.8519% | 1,960 |
| Tier 1 risk-based capital ratio | 15.7538% | 2,533 |
| Total risk-based capital ratio | 16.7103% | 2,588 |
| Memoranda: | ||
| Average total assets | $60,233,750 | 4,657 |
| Average earning assets | $57,605,250 | 4,618 |
| Average equity | $7,101,500 | 4,682 |
| Average total loans | $44,250,500 | 4,352 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4026% | 3,323 |
| Cost of funding earning assets | 0.5490% | 3,877 |
| Net interest margin | 3.8536% | 2,396 |
| Noninterest income to average assets | 0.1660% | 4,757 |
| Noninterest expense to average assets | 2.7463% | 2,766 |
| Loan and lease loss provision to assets | 0.0830% | 2,181 |
| Net operating income to assets | 1.0195% | 2,844 |
| Return on assets (ROA) | 1.0195% | 2,928 |
| Pretax return on assets | 1.0195% | 3,474 |
| Return on Equity (ROE) | 8.7323% | 2,960 |
| Retained earnings to average equity (ytd only) | 5.8310% | 2,356 |
| Net charge-offs to loans | 0.1770% | 924 |
| Credit loss provision to net charge-offs | 64.1026% | 2,373 |
| Earnings coverage of net charge-offs (x) | 8.5128% | 2,407 |
| Efficiency ratio | 71.3546% | 2,010 |
| Assets per employee ($millions) | 5.5837% | 1,889 |
| Cash dividends to net income (ytd only)* | 33.2248% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 3,427 |
| Loan loss allowance to noncurrent loans | 104.2035% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.8124% | 1,732 |
| Noncurrent loans to loans | 0.9915% | 1,648 |
| Net loans and leases to total assets | 73.4570% | 1,975 |
| Net loans and leases to deposits | 87.2486% | 2,094 |
| Net loans and leases to core deposits | 98.3113% | 1,866 |
| Total domestic deposits to total assets | 84.1927% | 2,783 |
| Equity capital to assets | 11.7175% | 2,423 |
| Core capital (leverage) ratio | 11.8757% | 1,901 |
| Tier 1 risk-based capital ratio | 15.2076% | 2,745 |
| Total risk-based capital ratio | 16.2121% | 2,780 |
| Memoranda: | ||
| Average total assets | $60,225,670 | 4,693 |
| Average earning assets | $57,557,000 | 4,658 |
| Average equity | $7,031,330 | 4,721 |
| Average total loans | $44,075,670 | 4,386 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3201% | 3,499 |
| Cost of funding earning assets | 0.5128% | 4,005 |
| Net interest margin | 3.8073% | 2,501 |
| Noninterest income to average assets | 0.1543% | 4,818 |
| Noninterest expense to average assets | 2.7571% | 2,716 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0331% | 2,732 |
| Return on assets (ROA) | 1.0331% | 2,772 |
| Pretax return on assets | 1.0331% | 3,335 |
| Return on Equity (ROE) | 8.8652% | 2,866 |
| Retained earnings to average equity (ytd only) | 8.8652% | 1,365 |
| Net charge-offs to loans | 0.1754% | 781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 8.1053% | 2,096 |
| Efficiency ratio | 72.7434% | 1,920 |
| Assets per employee ($millions) | 5.4304% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 3,250 |
| Loan loss allowance to noncurrent loans | 109.9057% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.7885% | 1,785 |
| Noncurrent loans to loans | 0.9801% | 1,705 |
| Net loans and leases to total assets | 71.6460% | 2,221 |
| Net loans and leases to deposits | 81.4374% | 2,676 |
| Net loans and leases to core deposits | 90.2205% | 2,479 |
| Total domestic deposits to total assets | 87.9767% | 1,347 |
| Equity capital to assets | 11.8442% | 2,122 |
| Core capital (leverage) ratio | 12.0937% | 1,716 |
| Tier 1 risk-based capital ratio | 15.7431% | 2,552 |
| Total risk-based capital ratio | 16.7793% | 2,556 |
| Memoranda: | ||
| Average total assets | $59,628,000 | 4,753 |
| Average earning assets | $56,942,500 | 4,724 |
| Average equity | $6,948,500 | 4,763 |
| Average total loans | $43,319,000 | 4,449 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3298% | 3,006 |
| Cost of funding earning assets | 0.4898% | 3,421 |
| Net interest margin | 3.8400% | 2,537 |
| Noninterest income to average assets | 0.1752% | 4,846 |
| Noninterest expense to average assets | 2.5857% | 3,376 |
| Loan and lease loss provision to assets | 0.1638% | 1,239 |
| Net operating income to assets | 1.0972% | 2,610 |
| Return on assets (ROA) | 1.0972% | 2,609 |
| Pretax return on assets | 1.0972% | 3,279 |
| Return on Equity (ROE) | 10.1484% | 2,456 |
| Retained earnings to average equity (ytd only) | 6.5738% | 1,882 |
| Net charge-offs to loans | 0.1408% | 1,349 |
| Credit loss provision to net charge-offs | 156.2500% | 1,777 |
| Earnings coverage of net charge-offs (x) | 12.0313% | 2,577 |
| Efficiency ratio | 67.2201% | 2,674 |
| Assets per employee ($millions) | 5.9522% | 1,558 |
| Cash dividends to net income (ytd only)* | 35.2239% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 2,989 |
| Loan loss allowance to noncurrent loans | 107.3009% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.8383% | 1,665 |
| Noncurrent loans to loans | 1.0421% | 1,571 |
| Net loans and leases to total assets | 72.0574% | 2,248 |
| Net loans and leases to deposits | 84.7277% | 2,434 |
| Net loans and leases to core deposits | 93.1359% | 2,303 |
| Total domestic deposits to total assets | 85.0459% | 2,629 |
| Equity capital to assets | 11.4613% | 2,282 |
| Core capital (leverage) ratio | 11.3476% | 2,224 |
| Tier 1 risk-based capital ratio | 15.3220% | 2,689 |
| Total risk-based capital ratio | 16.3949% | 2,694 |
| Memoranda: | ||
| Average total assets | $61,066,600 | 4,741 |
| Average earning assets | $58,385,600 | 4,702 |
| Average equity | $6,602,000 | 4,810 |
| Average total loans | $45,444,400 | 4,424 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2249% | 3,226 |
| Cost of funding earning assets | 0.4596% | 3,457 |
| Net interest margin | 3.7653% | 2,771 |
| Noninterest income to average assets | 0.1779% | 4,894 |
| Noninterest expense to average assets | 2.3541% | 3,965 |
| Loan and lease loss provision to assets | 0.1627% | 1,178 |
| Net operating income to assets | 1.2692% | 1,966 |
| Return on assets (ROA) | 1.2692% | 1,975 |
| Pretax return on assets | 1.2692% | 2,732 |
| Return on Equity (ROE) | 11.9135% | 1,818 |
| Retained earnings to average equity (ytd only) | 8.3090% | 1,509 |
| Net charge-offs to loans | 0.0986% | 1,505 |
| Credit loss provision to net charge-offs | 220.5882% | 1,289 |
| Earnings coverage of net charge-offs (x) | 19.4128% | 2,009 |
| Efficiency ratio | 62.1777% | 3,482 |
| Assets per employee ($millions) | 6.1749% | 1,366 |
| Cash dividends to net income (ytd only)* | 30.2559% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 3,507 |
| Loan loss allowance to noncurrent loans | 109.1314% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.8194% | 1,807 |
| Noncurrent loans to loans | 0.9564% | 1,777 |
| Net loans and leases to total assets | 75.2368% | 1,776 |
| Net loans and leases to deposits | 96.0452% | 1,150 |
| Net loans and leases to core deposits | 106.0637% | 1,304 |
| Total domestic deposits to total assets | 78.3349% | 4,432 |
| Equity capital to assets | 10.8731% | 2,777 |
| Core capital (leverage) ratio | 11.1436% | 2,460 |
| Tier 1 risk-based capital ratio | 14.4788% | 3,135 |
| Total risk-based capital ratio | 15.5070% | 3,157 |
| Memoranda: | ||
| Average total assets | $61,452,750 | 4,782 |
| Average earning assets | $58,887,500 | 4,739 |
| Average equity | $6,547,000 | 4,874 |
| Average total loans | $45,961,750 | 4,453 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 3,302 |
| Cost of funding earning assets | 0.4201% | 3,573 |
| Net interest margin | 3.7229% | 2,849 |
| Noninterest income to average assets | 0.1760% | 4,940 |
| Noninterest expense to average assets | 2.3340% | 4,064 |
| Loan and lease loss provision to assets | 0.1630% | 1,139 |
| Net operating income to assets | 1.2322% | 2,051 |
| Return on assets (ROA) | 1.2322% | 2,048 |
| Pretax return on assets | 1.2322% | 2,808 |
| Return on Equity (ROE) | 11.6463% | 1,857 |
| Retained earnings to average equity (ytd only) | 8.0107% | 1,629 |
| Net charge-offs to loans | 0.1490% | 1,032 |
| Credit loss provision to net charge-offs | 147.0588% | 1,594 |
| Earnings coverage of net charge-offs (x) | 12.5882% | 2,194 |
| Efficiency ratio | 62.5874% | 3,551 |
| Assets per employee ($millions) | 6.2044% | 1,328 |
| Cash dividends to net income (ytd only)* | 31.2169% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 3,856 |
| Loan loss allowance to noncurrent loans | 95.8763% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 1,712 |
| Noncurrent loans to loans | 1.0409% | 1,683 |
| Net loans and leases to total assets | 74.3488% | 1,890 |
| Net loans and leases to deposits | 89.5813% | 1,900 |
| Net loans and leases to core deposits | 97.4584% | 1,928 |
| Total domestic deposits to total assets | 82.9959% | 3,412 |
| Equity capital to assets | 10.6328% | 2,991 |
| Core capital (leverage) ratio | 11.2137% | 2,334 |
| Tier 1 risk-based capital ratio | 14.2303% | 3,247 |
| Total risk-based capital ratio | 15.2103% | 3,304 |
| Memoranda: | ||
| Average total assets | $61,354,000 | 4,847 |
| Average earning assets | $58,556,670 | 4,802 |
| Average equity | $6,491,330 | 4,931 |
| Average total loans | $45,633,000 | 4,504 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1307% | 3,126 |
| Cost of funding earning assets | 0.4276% | 3,385 |
| Net interest margin | 3.7032% | 2,783 |
| Noninterest income to average assets | 0.1508% | 5,110 |
| Noninterest expense to average assets | 2.3275% | 4,122 |
| Loan and lease loss provision to assets | 0.1639% | 1,093 |
| Net operating income to assets | 1.1802% | 2,091 |
| Return on assets (ROA) | 1.1802% | 2,103 |
| Pretax return on assets | 1.1802% | 2,841 |
| Return on Equity (ROE) | 11.1827% | 1,893 |
| Retained earnings to average equity (ytd only) | 11.1827% | 849 |
| Net charge-offs to loans | 0.3012% | 502 |
| Credit loss provision to net charge-offs | 73.5294% | 1,801 |
| Earnings coverage of net charge-offs (x) | 6.0294% | 2,186 |
| Efficiency ratio | 63.3929% | 3,577 |
| Assets per employee ($millions) | 6.0775% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 3,995 |
| Loan loss allowance to noncurrent loans | 86.9565% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 0.9264% | 1,709 |
| Noncurrent loans to loans | 1.1444% | 1,597 |
| Net loans and leases to total assets | 72.0296% | 2,164 |
| Net loans and leases to deposits | 83.0522% | 2,497 |
| Net loans and leases to core deposits | 92.3525% | 2,271 |
| Total domestic deposits to total assets | 86.7281% | 2,229 |
| Equity capital to assets | 10.7001% | 2,871 |
| Core capital (leverage) ratio | 11.1283% | 2,313 |
| Tier 1 risk-based capital ratio | 14.6977% | 3,027 |
| Total risk-based capital ratio | 15.6671% | 3,074 |
| Memoranda: | ||
| Average total assets | $61,009,000 | 4,906 |
| Average earning assets | $58,004,500 | 4,875 |
| Average equity | $6,438,500 | 4,990 |
| Average total loans | $45,152,500 | 4,560 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1135% | 3,010 |
| Cost of funding earning assets | 0.4476% | 2,800 |
| Net interest margin | 3.6659% | 2,931 |
| Noninterest income to average assets | 0.2004% | 4,944 |
| Noninterest expense to average assets | 2.3044% | 4,317 |
| Loan and lease loss provision to assets | 0.1590% | 1,413 |
| Net operating income to assets | 1.2405% | 1,390 |
| Return on assets (ROA) | 1.2405% | 1,408 |
| Pretax return on assets | 1.2405% | 2,594 |
| Return on Equity (ROE) | 12.4984% | 1,079 |
| Retained earnings to average equity (ytd only) | 7.1305% | 1,030 |
| Net charge-offs to loans | 0.2781% | 938 |
| Credit loss provision to net charge-offs | 75.7576% | 3,003 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 3,152 |
| Efficiency ratio | 62.2155% | 3,903 |
| Assets per employee ($millions) | 6.1243% | 1,432 |
| Cash dividends to net income (ytd only)* | 42.9487% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 4,086 |
| Loan loss allowance to noncurrent loans | 84.8771% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.9568% | 1,619 |
| Noncurrent loans to loans | 1.1478% | 1,549 |
| Net loans and leases to total assets | 74.5228% | 1,833 |
| Net loans and leases to deposits | 94.4712% | 1,224 |
| Net loans and leases to core deposits | 103.9162% | 1,420 |
| Total domestic deposits to total assets | 78.8841% | 4,566 |
| Equity capital to assets | 10.4077% | 3,258 |
| Core capital (leverage) ratio | 10.4953% | 2,847 |
| Tier 1 risk-based capital ratio | 13.8819% | 3,430 |
| Total risk-based capital ratio | 14.8420% | 3,492 |
| Memoranda: | ||
| Average total assets | $62,880,000 | 4,903 |
| Average earning assets | $60,094,600 | 4,853 |
| Average equity | $6,240,800 | 5,064 |
| Average total loans | $47,463,000 | 4,527 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0913% | 3,017 |
| Cost of funding earning assets | 0.4433% | 2,772 |
| Net interest margin | 3.6480% | 2,960 |
| Noninterest income to average assets | 0.1706% | 5,165 |
| Noninterest expense to average assets | 2.1551% | 4,625 |
| Loan and lease loss provision to assets | 0.1580% | 1,308 |
| Net operating income to assets | 1.3419% | 1,217 |
| Return on assets (ROA) | 1.3419% | 1,240 |
| Pretax return on assets | 1.3419% | 2,321 |
| Return on Equity (ROE) | 13.6820% | 896 |
| Retained earnings to average equity (ytd only) | 8.2908% | 1,099 |
| Net charge-offs to loans | 0.1562% | 1,305 |
| Credit loss provision to net charge-offs | 133.9286% | 1,837 |
| Earnings coverage of net charge-offs (x) | 12.7151% | 2,405 |
| Efficiency ratio | 58.9625% | 4,363 |
| Assets per employee ($millions) | 6.3337% | 1,290 |
| Cash dividends to net income (ytd only)* | 39.4038% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 3,921 |
| Loan loss allowance to noncurrent loans | 61.1247% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 1.2915% | 1,244 |
| Noncurrent loans to loans | 1.6797% | 1,082 |
| Net loans and leases to total assets | 76.1009% | 1,576 |
| Net loans and leases to deposits | 95.6995% | 1,134 |
| Net loans and leases to core deposits | 102.7565% | 1,486 |
| Total domestic deposits to total assets | 79.5207% | 4,432 |
| Equity capital to assets | 10.1189% | 3,780 |
| Core capital (leverage) ratio | 10.0318% | 3,533 |
| Tier 1 risk-based capital ratio | 13.1157% | 3,931 |
| Total risk-based capital ratio | 14.1351% | 3,995 |
| Memoranda: | ||
| Average total assets | $63,289,250 | 4,949 |
| Average earning assets | $60,451,250 | 4,900 |
| Average equity | $6,207,500 | 5,125 |
| Average total loans | $47,806,500 | 4,564 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 2,990 |
| Cost of funding earning assets | 0.4222% | 2,871 |
| Net interest margin | 3.6338% | 2,894 |
| Noninterest income to average assets | 0.2181% | 4,946 |
| Noninterest expense to average assets | 2.1494% | 4,670 |
| Loan and lease loss provision to assets | 0.1580% | 1,263 |
| Net operating income to assets | 1.3655% | 1,141 |
| Return on assets (ROA) | 1.3655% | 1,169 |
| Pretax return on assets | 1.3655% | 2,149 |
| Return on Equity (ROE) | 14.0709% | 802 |
| Retained earnings to average equity (ytd only) | 8.6315% | 959 |
| Net charge-offs to loans | 0.0547% | 2,147 |
| Credit loss provision to net charge-offs | 384.6154% | 802 |
| Earnings coverage of net charge-offs (x) | 37.0769% | 1,310 |
| Efficiency ratio | 58.5198% | 4,529 |
| Assets per employee ($millions) | 6.4832% | 1,166 |
| Cash dividends to net income (ytd only)* | 38.6574% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 3,830 |
| Loan loss allowance to noncurrent loans | 69.4370% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.1507% | 1,497 |
| Noncurrent loans to loans | 1.5180% | 1,236 |
| Net loans and leases to total assets | 75.0046% | 1,699 |
| Net loans and leases to deposits | 90.0517% | 1,722 |
| Net loans and leases to core deposits | 95.6434% | 2,010 |
| Total domestic deposits to total assets | 83.2907% | 3,473 |
| Equity capital to assets | 9.6850% | 4,242 |
| Core capital (leverage) ratio | 10.0818% | 3,428 |
| Tier 1 risk-based capital ratio | 12.7446% | 4,155 |
| Total risk-based capital ratio | 13.7907% | 4,178 |
| Memoranda: | ||
| Average total assets | $63,273,330 | 4,987 |
| Average earning assets | $60,156,670 | 4,945 |
| Average equity | $6,140,330 | 5,167 |
| Average total loans | $47,508,670 | 4,594 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0087% | 3,006 |
| Cost of funding earning assets | 0.4177% | 2,832 |
| Net interest margin | 3.5910% | 2,920 |
| Noninterest income to average assets | 0.1600% | 5,316 |
| Noninterest expense to average assets | 2.1378% | 4,778 |
| Loan and lease loss provision to assets | 0.1600% | 1,124 |
| Net operating income to assets | 1.2737% | 1,312 |
| Return on assets (ROA) | 1.2737% | 1,346 |
| Pretax return on assets | 1.2737% | 2,336 |
| Return on Equity (ROE) | 13.1115% | 976 |
| Retained earnings to average equity (ytd only) | 13.1115% | 370 |
| Net charge-offs to loans | 0.0942% | 1,414 |
| Credit loss provision to net charge-offs | 227.2727% | 939 |
| Earnings coverage of net charge-offs (x) | 20.3636% | 1,484 |
| Efficiency ratio | 59.8566% | 4,471 |
| Assets per employee ($millions) | 6.1095% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0824% | 3,810 |
| Loan loss allowance to noncurrent loans | 70.8155% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 1.1441% | 1,542 |
| Noncurrent loans to loans | 1.5284% | 1,294 |
| Net loans and leases to total assets | 74.0453% | 1,729 |
| Net loans and leases to deposits | 85.6067% | 2,081 |
| Net loans and leases to core deposits | 91.0203% | 2,266 |
| Total domestic deposits to total assets | 86.4948% | 2,442 |
| Equity capital to assets | 10.1416% | 3,585 |
| Core capital (leverage) ratio | 10.0487% | 3,432 |
| Tier 1 risk-based capital ratio | 13.4877% | 3,785 |
| Total risk-based capital ratio | 14.5566% | 3,804 |
| Memoranda: | ||
| Average total assets | $62,494,000 | 5,062 |
| Average earning assets | $59,371,000 | 5,017 |
| Average equity | $6,071,000 | 5,226 |
| Average total loans | $46,690,500 | 4,658 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0110% | 3,161 |
| Cost of funding earning assets | 0.4124% | 2,888 |
| Net interest margin | 3.5986% | 3,069 |
| Noninterest income to average assets | 0.1811% | 5,316 |
| Noninterest expense to average assets | 2.2176% | 4,735 |
| Loan and lease loss provision to assets | 0.3729% | 442 |
| Net operating income to assets | 0.9771% | 2,451 |
| Return on assets (ROA) | 0.9771% | 2,560 |
| Pretax return on assets | 0.9771% | 3,552 |
| Return on Equity (ROE) | 10.6137% | 1,729 |
| Retained earnings to average equity (ytd only) | 2.1327% | 4,317 |
| Net charge-offs to loans | 0.2605% | 1,064 |
| Credit loss provision to net charge-offs | 192.9134% | 1,469 |
| Earnings coverage of net charge-offs (x) | 6.9843% | 3,091 |
| Efficiency ratio | 62.1587% | 4,221 |
| Assets per employee ($millions) | 6.3893% | 1,213 |
| Cash dividends to net income (ytd only)* | 79.9065% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 4,258 |
| Loan loss allowance to noncurrent loans | 108.5779% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.6933% | 2,637 |
| Noncurrent loans to loans | 0.9297% | 2,232 |
| Net loans and leases to total assets | 73.8219% | 1,876 |
| Net loans and leases to deposits | 88.3211% | 1,882 |
| Net loans and leases to core deposits | 99.6093% | 1,650 |
| Total domestic deposits to total assets | 83.5835% | 3,574 |
| Equity capital to assets | 9.3062% | 4,470 |
| Core capital (leverage) ratio | 9.3768% | 4,253 |
| Tier 1 risk-based capital ratio | 12.6456% | 4,293 |
| Total risk-based capital ratio | 13.6515% | 4,328 |
| Memoranda: | ||
| Average total assets | $65,702,600 | 5,017 |
| Average earning assets | $61,830,400 | 4,981 |
| Average equity | $6,048,800 | 5,271 |
| Average total loans | $48,747,000 | 4,607 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0339% | 3,094 |
| Cost of funding earning assets | 0.4075% | 2,949 |
| Net interest margin | 3.6264% | 2,982 |
| Noninterest income to average assets | 0.1814% | 5,372 |
| Noninterest expense to average assets | 2.1102% | 4,993 |
| Loan and lease loss provision to assets | 0.4938% | 256 |
| Net operating income to assets | 0.9855% | 2,496 |
| Return on assets (ROA) | 0.9855% | 2,634 |
| Pretax return on assets | 0.9855% | 3,682 |
| Return on Equity (ROE) | 10.7331% | 1,777 |
| Retained earnings to average equity (ytd only) | 2.0193% | 4,678 |
| Net charge-offs to loans | 0.3454% | 664 |
| Credit loss provision to net charge-offs | 192.9134% | 1,474 |
| Earnings coverage of net charge-offs (x) | 5.7795% | 3,082 |
| Efficiency ratio | 58.7872% | 4,711 |
| Assets per employee ($millions) | 6.6354% | 1,029 |
| Cash dividends to net income (ytd only)* | 81.1865% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 4,578 |
| Loan loss allowance to noncurrent loans | 84.6831% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 0.8560% | 2,419 |
| Noncurrent loans to loans | 1.1413% | 1,969 |
| Net loans and leases to total assets | 74.2759% | 1,821 |
| Net loans and leases to deposits | 95.7436% | 1,076 |
| Net loans and leases to core deposits | 108.0196% | 1,051 |
| Total domestic deposits to total assets | 77.5778% | 4,989 |
| Equity capital to assets | 9.1389% | 5,035 |
| Core capital (leverage) ratio | 8.9832% | 4,846 |
| Tier 1 risk-based capital ratio | 12.0612% | 4,753 |
| Total risk-based capital ratio | 13.0266% | 4,831 |
| Memoranda: | ||
| Average total assets | $66,155,000 | 5,048 |
| Average earning assets | $62,171,500 | 5,018 |
| Average equity | $6,074,500 | 5,323 |
| Average total loans | $49,021,750 | 4,646 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9261% | 3,518 |
| Cost of funding earning assets | 0.3933% | 3,116 |
| Net interest margin | 3.5329% | 3,358 |
| Noninterest income to average assets | 0.1785% | 5,425 |
| Noninterest expense to average assets | 2.0064% | 5,256 |
| Loan and lease loss provision to assets | 0.0908% | 2,332 |
| Net operating income to assets | 1.3981% | 1,060 |
| Return on assets (ROA) | 1.3981% | 1,120 |
| Pretax return on assets | 1.3981% | 2,034 |
| Return on Equity (ROE) | 15.2024% | 650 |
| Retained earnings to average equity (ytd only) | 5.9559% | 2,136 |
| Net charge-offs to loans | 0.1107% | 1,723 |
| Credit loss provision to net charge-offs | 111.1111% | 1,947 |
| Earnings coverage of net charge-offs (x) | 18.2222% | 1,839 |
| Efficiency ratio | 57.4026% | 4,981 |
| Assets per employee ($millions) | 6.7451% | 978 |
| Cash dividends to net income (ytd only)* | 60.8225% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7246% | 5,469 |
| Loan loss allowance to noncurrent loans | 33.0623% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 1.6412% | 1,103 |
| Noncurrent loans to loans | 2.1915% | 861 |
| Net loans and leases to total assets | 74.3458% | 1,766 |
| Net loans and leases to deposits | 91.2676% | 1,598 |
| Net loans and leases to core deposits | 101.5471% | 1,507 |
| Total domestic deposits to total assets | 81.4591% | 4,148 |
| Equity capital to assets | 9.1800% | 5,088 |
| Core capital (leverage) ratio | 9.2940% | 4,464 |
| Tier 1 risk-based capital ratio | 12.0455% | 4,795 |
| Total risk-based capital ratio | 12.7684% | 5,026 |
| Memoranda: | ||
| Average total assets | $66,088,670 | 5,099 |
| Average earning assets | $62,045,670 | 5,071 |
| Average equity | $6,078,000 | 5,373 |
| Average total loans | $48,773,670 | 4,687 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9545% | 3,385 |
| Cost of funding earning assets | 0.4046% | 3,018 |
| Net interest margin | 3.5499% | 3,279 |
| Noninterest income to average assets | 0.1651% | 5,504 |
| Noninterest expense to average assets | 2.0609% | 5,202 |
| Loan and lease loss provision to assets | 0.0917% | 2,151 |
| Net operating income to assets | 1.3393% | 1,153 |
| Return on assets (ROA) | 1.3393% | 1,236 |
| Pretax return on assets | 1.3393% | 2,139 |
| Return on Equity (ROE) | 14.5491% | 738 |
| Retained earnings to average equity (ytd only) | 14.5491% | 279 |
| Net charge-offs to loans | 0.0585% | 1,925 |
| Credit loss provision to net charge-offs | 214.2857% | 1,030 |
| Earnings coverage of net charge-offs (x) | 33.4286% | 1,118 |
| Efficiency ratio | 59.0193% | 4,870 |
| Assets per employee ($millions) | 6.4406% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7865% | 5,409 |
| Loan loss allowance to noncurrent loans | 35.3333% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 1.6303% | 1,212 |
| Noncurrent loans to loans | 2.2258% | 916 |
| Net loans and leases to total assets | 72.6671% | 1,925 |
| Net loans and leases to deposits | 85.8658% | 2,073 |
| Net loans and leases to core deposits | 94.9119% | 1,897 |
| Total domestic deposits to total assets | 84.6288% | 3,268 |
| Equity capital to assets | 9.5814% | 4,583 |
| Core capital (leverage) ratio | 9.3378% | 4,447 |
| Tier 1 risk-based capital ratio | 12.7601% | 4,424 |
| Total risk-based capital ratio | 13.5314% | 4,633 |
| Memoranda: | ||
| Average total assets | $65,407,500 | 5,169 |
| Average earning assets | $61,297,000 | 5,126 |
| Average equity | $6,021,000 | 5,419 |
| Average total loans | $47,904,000 | 4,741 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9349% | 3,582 |
| Cost of funding earning assets | 0.3549% | 3,648 |
| Net interest margin | 3.5800% | 3,208 |
| Noninterest income to average assets | 0.1918% | 5,440 |
| Noninterest expense to average assets | 2.3911% | 4,534 |
| Loan and lease loss provision to assets | 0.1370% | 1,730 |
| Net operating income to assets | 1.0106% | 2,308 |
| Return on assets (ROA) | 1.0106% | 2,397 |
| Pretax return on assets | 1.0106% | 3,426 |
| Return on Equity (ROE) | 11.4400% | 1,459 |
| Retained earnings to average equity (ytd only) | 5.5477% | 2,052 |
| Net charge-offs to loans | 0.1516% | 1,854 |
| Credit loss provision to net charge-offs | 123.2877% | 2,101 |
| Earnings coverage of net charge-offs (x) | 10.3288% | 2,699 |
| Efficiency ratio | 67.5699% | 3,649 |
| Assets per employee ($millions) | 6.6409% | 1,029 |
| Cash dividends to net income (ytd only)* | 51.5060% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7464% | 5,544 |
| Loan loss allowance to noncurrent loans | 34.8703% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 1.5676% | 1,266 |
| Noncurrent loans to loans | 2.1404% | 948 |
| Net loans and leases to total assets | 72.6889% | 1,941 |
| Net loans and leases to deposits | 89.0250% | 1,742 |
| Net loans and leases to core deposits | 97.5764% | 1,709 |
| Total domestic deposits to total assets | 81.6501% | 4,284 |
| Equity capital to assets | 8.8407% | 5,271 |
| Core capital (leverage) ratio | 8.7644% | 5,151 |
| Tier 1 risk-based capital ratio | 11.9640% | 4,972 |
| Total risk-based capital ratio | 12.6979% | 5,188 |
| Memoranda: | ||
| Average total assets | $65,700,800 | 5,187 |
| Average earning assets | $61,425,200 | 5,149 |
| Average equity | $5,804,200 | 5,480 |
| Average total loans | $48,139,600 | 4,724 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8980% | 3,750 |
| Cost of funding earning assets | 0.3459% | 3,799 |
| Net interest margin | 3.5521% | 3,331 |
| Noninterest income to average assets | 0.1994% | 5,446 |
| Noninterest expense to average assets | 2.2872% | 4,811 |
| Loan and lease loss provision to assets | 0.1831% | 1,133 |
| Net operating income to assets | 1.0520% | 2,208 |
| Return on assets (ROA) | 1.0520% | 2,303 |
| Pretax return on assets | 1.0520% | 3,403 |
| Return on Equity (ROE) | 11.9105% | 1,396 |
| Retained earnings to average equity (ytd only) | 6.3122% | 2,060 |
| Net charge-offs to loans | 0.2027% | 1,273 |
| Credit loss provision to net charge-offs | 123.2877% | 1,944 |
| Earnings coverage of net charge-offs (x) | 8.3151% | 2,828 |
| Efficiency ratio | 64.9336% | 4,076 |
| Assets per employee ($millions) | 6.6474% | 1,005 |
| Cash dividends to net income (ytd only)* | 47.0014% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7244% | 5,676 |
| Loan loss allowance to noncurrent loans | 18.7500% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 2.9124% | 536 |
| Noncurrent loans to loans | 3.8634% | 355 |
| Net loans and leases to total assets | 74.8383% | 1,578 |
| Net loans and leases to deposits | 91.7014% | 1,444 |
| Net loans and leases to core deposits | 101.0974% | 1,436 |
| Total domestic deposits to total assets | 81.6109% | 4,286 |
| Equity capital to assets | 8.8922% | 5,402 |
| Core capital (leverage) ratio | 8.7664% | 5,280 |
| Tier 1 risk-based capital ratio | 11.4736% | 5,390 |
| Total risk-based capital ratio | 12.1833% | 5,600 |
| Memoranda: | ||
| Average total assets | $65,523,750 | 5,254 |
| Average earning assets | $61,295,000 | 5,213 |
| Average equity | $5,787,500 | 5,556 |
| Average total loans | $48,015,750 | 4,784 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8786% | 3,779 |
| Cost of funding earning assets | 0.3412% | 3,907 |
| Net interest margin | 3.5375% | 3,351 |
| Noninterest income to average assets | 0.1932% | 5,521 |
| Noninterest expense to average assets | 2.0059% | 5,520 |
| Loan and lease loss provision to assets | 0.2760% | 595 |
| Net operating income to assets | 1.1870% | 1,644 |
| Return on assets (ROA) | 1.1870% | 1,710 |
| Pretax return on assets | 1.1870% | 2,829 |
| Return on Equity (ROE) | 13.4695% | 1,022 |
| Retained earnings to average equity (ytd only) | 8.4576% | 1,096 |
| Net charge-offs to loans | 0.5199% | 477 |
| Credit loss provision to net charge-offs | 73.1707% | 2,420 |
| Earnings coverage of net charge-offs (x) | 3.8780% | 3,123 |
| Efficiency ratio | 57.8249% | 5,237 |
| Assets per employee ($millions) | 6.5920% | 1,013 |
| Cash dividends to net income (ytd only)* | 37.2093% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6456% | 5,901 |
| Loan loss allowance to noncurrent loans | 42.2973% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 1.1226% | 2,264 |
| Noncurrent loans to loans | 1.5262% | 1,738 |
| Net loans and leases to total assets | 73.0765% | 1,807 |
| Net loans and leases to deposits | 86.8762% | 1,957 |
| Net loans and leases to core deposits | 96.4598% | 1,760 |
| Total domestic deposits to total assets | 84.1156% | 3,516 |
| Equity capital to assets | 8.8653% | 5,380 |
| Core capital (leverage) ratio | 8.9822% | 4,996 |
| Tier 1 risk-based capital ratio | 11.7747% | 5,297 |
| Total risk-based capital ratio | 12.4060% | 5,560 |
| Memoranda: | ||
| Average total assets | $65,207,000 | 5,320 |
| Average earning assets | $60,382,000 | 5,299 |
| Average equity | $5,746,330 | 5,616 |
| Average total loans | $47,317,330 | 4,841 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9398% | 3,459 |
| Cost of funding earning assets | 0.3356% | 4,030 |
| Net interest margin | 3.6042% | 2,982 |
| Noninterest income to average assets | 0.1850% | 5,605 |
| Noninterest expense to average assets | 2.0416% | 5,500 |
| Loan and lease loss provision to assets | 0.1542% | 1,316 |
| Net operating income to assets | 1.3015% | 1,268 |
| Return on assets (ROA) | 1.3015% | 1,358 |
| Pretax return on assets | 1.3015% | 2,278 |
| Return on Equity (ROE) | 14.8135% | 741 |
| Retained earnings to average equity (ytd only) | 14.8135% | 302 |
| Net charge-offs to loans | 0.7104% | 332 |
| Credit loss provision to net charge-offs | 30.1205% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.8434% | 2,691 |
| Efficiency ratio | 58.3774% | 5,295 |
| Assets per employee ($millions) | 6.4418% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6289% | 6,018 |
| Loan loss allowance to noncurrent loans | 46.3768% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 0.9640% | 2,692 |
| Noncurrent loans to loans | 1.3560% | 2,119 |
| Net loans and leases to total assets | 70.6433% | 2,049 |
| Net loans and leases to deposits | 79.9476% | 2,565 |
| Net loans and leases to core deposits | 88.8219% | 2,238 |
| Total domestic deposits to total assets | 88.3619% | 1,624 |
| Equity capital to assets | 9.0751% | 5,215 |
| Core capital (leverage) ratio | 9.0583% | 4,888 |
| Tier 1 risk-based capital ratio | 12.3186% | 5,034 |
| Total risk-based capital ratio | 12.9296% | 5,352 |
| Memoranda: | ||
| Average total assets | $64,850,500 | 5,377 |
| Average earning assets | $59,597,500 | 5,366 |
| Average equity | $5,697,500 | 5,674 |
| Average total loans | $46,733,500 | 4,890 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0264% | 3,613 |
| Cost of funding earning assets | 0.3565% | 4,183 |
| Net interest margin | 3.6699% | 3,131 |
| Noninterest income to average assets | 0.1951% | 5,687 |
| Noninterest expense to average assets | 2.0676% | 5,642 |
| Loan and lease loss provision to assets | 0.0465% | 3,642 |
| Net operating income to assets | 1.4930% | 890 |
| Return on assets (ROA) | 1.4930% | 926 |
| Pretax return on assets | 1.4930% | 1,567 |
| Return on Equity (ROE) | 17.8856% | 406 |
| Retained earnings to average equity (ytd only) | 6.7721% | 1,511 |
| Net charge-offs to loans | 0.1525% | 2,513 |
| Credit loss provision to net charge-offs | 41.0959% | 3,659 |
| Earnings coverage of net charge-offs (x) | 13.6164% | 2,254 |
| Efficiency ratio | 57.3207% | 5,529 |
| Assets per employee ($millions) | 6.5283% | 1,036 |
| Cash dividends to net income (ytd only)* | 62.1369% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7258% | 5,940 |
| Loan loss allowance to noncurrent loans | 55.8966% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 0.9482% | 2,854 |
| Noncurrent loans to loans | 1.2985% | 2,280 |
| Net loans and leases to total assets | 72.4936% | 1,832 |
| Net loans and leases to deposits | 86.6951% | 1,889 |
| Net loans and leases to core deposits | 91.9970% | 2,086 |
| Total domestic deposits to total assets | 83.6190% | 3,872 |
| Equity capital to assets | 8.4999% | 5,757 |
| Core capital (leverage) ratio | 8.5092% | 5,554 |
| Tier 1 risk-based capital ratio | 11.7839% | 5,499 |
| Total risk-based capital ratio | 12.5126% | 5,710 |
| Memoranda: | ||
| Average total assets | $64,567,200 | 5,433 |
| Average earning assets | $60,029,200 | 5,393 |
| Average equity | $5,389,800 | 5,766 |
| Average total loans | $47,871,200 | 4,886 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9932% | 3,788 |
| Cost of funding earning assets | 0.3529% | 4,318 |
| Net interest margin | 3.6402% | 3,269 |
| Noninterest income to average assets | 0.1884% | 5,786 |
| Noninterest expense to average assets | 1.8512% | 6,028 |
| Loan and lease loss provision to assets | 0.0311% | 3,787 |
| Net operating income to assets | 1.7021% | 607 |
| Return on assets (ROA) | 1.7021% | 636 |
| Pretax return on assets | 1.7021% | 1,063 |
| Return on Equity (ROE) | 20.4854% | 250 |
| Retained earnings to average equity (ytd only) | 8.2490% | 1,244 |
| Net charge-offs to loans | -0.0111% | 5,447 |
| Credit loss provision to net charge-offs | -375.0000% | 5,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6464% | 6,016 |
| Assets per employee ($millions) | 6.5383% | 1,007 |
| Cash dividends to net income (ytd only)* | 59.7325% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8288% | 5,801 |
| Loan loss allowance to noncurrent loans | 591.3043% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 5,744 |
| Noncurrent loans to loans | 0.1402% | 5,503 |
| Net loans and leases to total assets | 74.6677% | 1,418 |
| Net loans and leases to deposits | 88.2901% | 1,634 |
| Net loans and leases to core deposits | 96.2748% | 1,653 |
| Total domestic deposits to total assets | 84.5709% | 3,513 |
| Equity capital to assets | 8.4732% | 5,817 |
| Core capital (leverage) ratio | 8.4580% | 5,702 |
| Tier 1 risk-based capital ratio | 11.3593% | 5,854 |
| Total risk-based capital ratio | 12.1924% | 5,970 |
| Memoranda: | ||
| Average total assets | $64,388,250 | 5,501 |
| Average earning assets | $60,068,000 | 5,452 |
| Average equity | $5,350,000 | 5,836 |
| Average total loans | $47,921,000 | 4,936 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9345% | 3,995 |
| Cost of funding earning assets | 0.3382% | 4,559 |
| Net interest margin | 3.5963% | 3,372 |
| Noninterest income to average assets | 0.1811% | 5,861 |
| Noninterest expense to average assets | 1.8640% | 6,060 |
| Loan and lease loss provision to assets | 0.0468% | 3,371 |
| Net operating income to assets | 1.6236% | 669 |
| Return on assets (ROA) | 1.6236% | 699 |
| Pretax return on assets | 1.6236% | 1,192 |
| Return on Equity (ROE) | 19.6721% | 307 |
| Retained earnings to average equity (ytd only) | 5.1828% | 2,843 |
| Net charge-offs to loans | -0.0168% | 5,483 |
| Credit loss provision to net charge-offs | -375.0000% | 5,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7385% | 6,013 |
| Assets per employee ($millions) | 6.5521% | 983 |
| Cash dividends to net income (ytd only)* | 73.6538% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8043% | 5,967 |
| Loan loss allowance to noncurrent loans | 192.4528% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 5,083 |
| Noncurrent loans to loans | 0.4179% | 4,734 |
| Net loans and leases to total assets | 76.7983% | 1,072 |
| Net loans and leases to deposits | 94.8592% | 894 |
| Net loans and leases to core deposits | 100.9347% | 1,208 |
| Total domestic deposits to total assets | 80.9603% | 4,995 |
| Equity capital to assets | 8.1501% | 6,064 |
| Core capital (leverage) ratio | 8.4377% | 5,706 |
| Tier 1 risk-based capital ratio | 10.7371% | 6,153 |
| Total risk-based capital ratio | 11.5532% | 6,264 |
| Memoranda: | ||
| Average total assets | $64,056,670 | 5,560 |
| Average earning assets | $59,728,670 | 5,509 |
| Average equity | $5,286,670 | 5,891 |
| Average total loans | $47,485,330 | 4,982 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9356% | 3,945 |
| Cost of funding earning assets | 0.3228% | 4,822 |
| Net interest margin | 3.6128% | 3,200 |
| Noninterest income to average assets | 0.1516% | 6,067 |
| Noninterest expense to average assets | 1.9140% | 6,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5602% | 720 |
| Return on assets (ROA) | 1.5602% | 752 |
| Pretax return on assets | 1.5602% | 1,263 |
| Return on Equity (ROE) | 18.7833% | 382 |
| Retained earnings to average equity (ytd only) | 18.7833% | 153 |
| Net charge-offs to loans | -0.0349% | 5,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0909% | 5,915 |
| Assets per employee ($millions) | 6.2488% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 5,937 |
| Loan loss allowance to noncurrent loans | 97.0370% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 4,194 |
| Noncurrent loans to loans | 0.9032% | 3,625 |
| Net loans and leases to total assets | 71.1289% | 1,708 |
| Net loans and leases to deposits | 83.1578% | 1,927 |
| Net loans and leases to core deposits | 90.1818% | 1,893 |
| Total domestic deposits to total assets | 85.5348% | 3,594 |
| Equity capital to assets | 8.6225% | 5,526 |
| Core capital (leverage) ratio | 8.8372% | 5,215 |
| Tier 1 risk-based capital ratio | 12.0021% | 5,646 |
| Total risk-based capital ratio | 12.8632% | 5,801 |
| Memoranda: | ||
| Average total assets | $63,324,500 | 5,634 |
| Average earning assets | $58,238,000 | 5,605 |
| Average equity | $5,260,000 | 5,935 |
| Average total loans | $45,864,500 | 5,082 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9628% | 4,228 |
| Cost of funding earning assets | 0.3505% | 5,133 |
| Net interest margin | 3.6123% | 3,413 |
| Noninterest income to average assets | 0.2066% | 5,847 |
| Noninterest expense to average assets | 2.0221% | 5,986 |
| Loan and lease loss provision to assets | 0.0403% | 4,312 |
| Net operating income to assets | 1.5008% | 824 |
| Return on assets (ROA) | 1.5008% | 863 |
| Pretax return on assets | 1.4702% | 1,551 |
| Return on Equity (ROE) | 19.2714% | 323 |
| Retained earnings to average equity (ytd only) | 15.0856% | 164 |
| Net charge-offs to loans | 0.0045% | 5,393 |
| Credit loss provision to net charge-offs | 1,250.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 468.0000% | 83 |
| Efficiency ratio | 57.2407% | 5,820 |
| Assets per employee ($millions) | 6.4161% | 1,029 |
| Cash dividends to net income (ytd only)* | 21.7204% | 3,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8296% | 6,103 |
| Loan loss allowance to noncurrent loans | 563.7681% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 6,009 |
| Noncurrent loans to loans | 0.1472% | 5,756 |
| Net loans and leases to total assets | 72.4739% | 1,603 |
| Net loans and leases to deposits | 83.9502% | 1,951 |
| Net loans and leases to core deposits | 90.5427% | 1,960 |
| Total domestic deposits to total assets | 86.3297% | 3,096 |
| Equity capital to assets | 7.9986% | 6,021 |
| Core capital (leverage) ratio | 8.3295% | 5,848 |
| Tier 1 risk-based capital ratio | 10.9593% | 6,190 |
| Total risk-based capital ratio | 11.7743% | 6,317 |
| Memoranda: | ||
| Average total assets | $61,966,200 | 5,705 |
| Average earning assets | $57,055,800 | 5,681 |
| Average equity | $4,825,800 | 6,108 |
| Average total loans | $44,590,800 | 5,163 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9551% | 4,299 |
| Cost of funding earning assets | 0.3493% | 5,301 |
| Net interest margin | 3.6059% | 3,419 |
| Noninterest income to average assets | 0.2041% | 5,958 |
| Noninterest expense to average assets | 1.8843% | 6,209 |
| Loan and lease loss provision to assets | 0.0543% | 3,951 |
| Net operating income to assets | 1.5826% | 773 |
| Return on assets (ROA) | 1.5826% | 820 |
| Pretax return on assets | 1.5826% | 1,378 |
| Return on Equity (ROE) | 20.4660% | 273 |
| Retained earnings to average equity (ytd only) | 16.9566% | 135 |
| Net charge-offs to loans | 0.0061% | 5,058 |
| Credit loss provision to net charge-offs | 1,250.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 376.5206% | 157 |
| Efficiency ratio | 53.5142% | 6,143 |
| Assets per employee ($millions) | 6.2629% | 1,065 |
| Cash dividends to net income (ytd only)* | 17.1464% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8558% | 6,168 |
| Loan loss allowance to noncurrent loans | 563.7681% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 6,107 |
| Noncurrent loans to loans | 0.1518% | 5,862 |
| Net loans and leases to total assets | 71.9571% | 1,602 |
| Net loans and leases to deposits | 86.8173% | 1,512 |
| Net loans and leases to core deposits | 93.0539% | 1,664 |
| Total domestic deposits to total assets | 82.8833% | 4,626 |
| Equity capital to assets | 8.0330% | 6,130 |
| Core capital (leverage) ratio | 8.2183% | 6,044 |
| Tier 1 risk-based capital ratio | 11.0812% | 6,240 |
| Total risk-based capital ratio | 11.9253% | 6,370 |
| Memoranda: | ||
| Average total assets | $61,417,500 | 5,780 |
| Average earning assets | $56,498,750 | 5,751 |
| Average equity | $4,749,250 | 6,208 |
| Average total loans | $44,016,250 | 5,243 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8831% | 4,542 |
| Cost of funding earning assets | 0.3426% | 5,466 |
| Net interest margin | 3.5405% | 3,606 |
| Noninterest income to average assets | 0.1901% | 6,071 |
| Noninterest expense to average assets | 1.9012% | 6,219 |
| Loan and lease loss provision to assets | 0.0328% | 4,276 |
| Net operating income to assets | 1.5079% | 887 |
| Return on assets (ROA) | 1.5079% | 954 |
| Pretax return on assets | 1.5079% | 1,592 |
| Return on Equity (ROE) | 19.7623% | 322 |
| Retained earnings to average equity (ytd only) | 16.1965% | 184 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2381% | 6,046 |
| Assets per employee ($millions) | 6.2984% | 1,014 |
| Cash dividends to net income (ytd only)* | 18.0435% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8388% | 6,283 |
| Loan loss allowance to noncurrent loans | 544.9275% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 6,161 |
| Noncurrent loans to loans | 0.1539% | 5,939 |
| Net loans and leases to total assets | 70.5735% | 1,790 |
| Net loans and leases to deposits | 82.9554% | 1,932 |
| Net loans and leases to core deposits | 89.2158% | 1,982 |
| Total domestic deposits to total assets | 85.0740% | 3,858 |
| Equity capital to assets | 7.4971% | 6,440 |
| Core capital (leverage) ratio | 8.0203% | 6,175 |
| Tier 1 risk-based capital ratio | 10.6415% | 6,463 |
| Total risk-based capital ratio | 11.4615% | 6,559 |
| Memoranda: | ||
| Average total assets | $61,013,670 | 5,836 |
| Average earning assets | $56,037,670 | 5,800 |
| Average equity | $4,655,330 | 6,282 |
| Average total loans | $43,536,670 | 5,285 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9342% | 4,352 |
| Cost of funding earning assets | 0.3254% | 5,759 |
| Net interest margin | 3.6087% | 3,223 |
| Noninterest income to average assets | 0.1799% | 6,189 |
| Noninterest expense to average assets | 1.9724% | 6,159 |
| Loan and lease loss provision to assets | 0.0666% | 3,525 |
| Net operating income to assets | 1.3793% | 1,072 |
| Return on assets (ROA) | 1.3793% | 1,162 |
| Pretax return on assets | 1.4660% | 1,667 |
| Return on Equity (ROE) | 17.9143% | 440 |
| Retained earnings to average equity (ytd only) | 17.9143% | 202 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2738% | 6,036 |
| Assets per employee ($millions) | 5.9387% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8822% | 6,301 |
| Loan loss allowance to noncurrent loans | 249.0066% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 5,809 |
| Noncurrent loans to loans | 0.3543% | 5,509 |
| Net loans and leases to total assets | 71.1317% | 1,500 |
| Net loans and leases to deposits | 78.8852% | 2,228 |
| Net loans and leases to core deposits | 86.5742% | 2,051 |
| Total domestic deposits to total assets | 90.1712% | 948 |
| Equity capital to assets | 7.9529% | 6,405 |
| Core capital (leverage) ratio | 7.9181% | 6,204 |
| Tier 1 risk-based capital ratio | 10.8164% | 6,481 |
| Total risk-based capital ratio | 11.6799% | 6,583 |
| Memoranda: | ||
| Average total assets | $60,028,500 | 5,906 |
| Average earning assets | $55,310,500 | 5,863 |
| Average equity | $4,622,000 | 6,359 |
| Average total loans | $42,892,000 | 5,345 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 5,434 |
| Cost of funding earning assets | 0.4366% | 5,671 |
| Net interest margin | 3.5150% | 4,436 |
| Noninterest income to average assets | 0.2174% | 5,874 |
| Noninterest expense to average assets | 2.0492% | 6,237 |
| Loan and lease loss provision to assets | 0.0758% | 4,776 |
| Net operating income to assets | 1.2218% | 1,529 |
| Return on assets (ROA) | 1.2218% | 1,698 |
| Pretax return on assets | 1.2942% | 2,433 |
| Return on Equity (ROE) | 16.7568% | 565 |
| Retained earnings to average equity (ytd only) | 10.4701% | 510 |
| Net charge-offs to loans | 0.0153% | 5,695 |
| Credit loss provision to net charge-offs | 750.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 135.5000% | 306 |
| Efficiency ratio | 59.9310% | 5,551 |
| Assets per employee ($millions) | 6.0670% | 1,245 |
| Cash dividends to net income (ytd only)* | 37.5172% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 6,399 |
| Loan loss allowance to noncurrent loans | 522.8571% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 6,288 |
| Noncurrent loans to loans | 0.1622% | 6,075 |
| Net loans and leases to total assets | 70.5439% | 1,736 |
| Net loans and leases to deposits | 84.8177% | 1,659 |
| Net loans and leases to core deposits | 90.9012% | 1,731 |
| Total domestic deposits to total assets | 83.1713% | 4,647 |
| Equity capital to assets | 7.4518% | 6,651 |
| Core capital (leverage) ratio | 7.6041% | 6,444 |
| Tier 1 risk-based capital ratio | 10.3341% | 6,602 |
| Total risk-based capital ratio | 11.1741% | 6,685 |
| Memoranda: | ||
| Average total assets | $59,340,000 | 5,937 |
| Average earning assets | $54,053,400 | 5,926 |
| Average equity | $4,326,600 | 6,485 |
| Average total loans | $39,170,400 | 5,545 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9314% | 5,712 |
| Cost of funding earning assets | 0.4553% | 5,757 |
| Net interest margin | 3.4760% | 4,727 |
| Noninterest income to average assets | 0.2169% | 5,988 |
| Noninterest expense to average assets | 1.8076% | 6,676 |
| Loan and lease loss provision to assets | 0.0565% | 5,030 |
| Net operating income to assets | 1.4213% | 1,179 |
| Return on assets (ROA) | 1.4213% | 1,298 |
| Pretax return on assets | 1.5094% | 1,846 |
| Return on Equity (ROE) | 19.6038% | 353 |
| Retained earnings to average equity (ytd only) | 13.2457% | 374 |
| Net charge-offs to loans | 0.0210% | 5,374 |
| Credit loss provision to net charge-offs | 416.6667% | 644 |
| Earnings coverage of net charge-offs (x) | 115.4975% | 371 |
| Efficiency ratio | 53.5834% | 6,295 |
| Assets per employee ($millions) | 5.8954% | 1,311 |
| Cash dividends to net income (ytd only)* | 32.4319% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8174% | 6,564 |
| Loan loss allowance to noncurrent loans | 455.2632% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 6,393 |
| Noncurrent loans to loans | 0.1795% | 6,163 |
| Net loans and leases to total assets | 71.2131% | 1,693 |
| Net loans and leases to deposits | 79.6475% | 2,448 |
| Net loans and leases to core deposits | 85.5434% | 2,525 |
| Total domestic deposits to total assets | 89.4104% | 1,184 |
| Equity capital to assets | 7.6483% | 6,728 |
| Core capital (leverage) ratio | 7.5232% | 6,611 |
| Tier 1 risk-based capital ratio | 10.4610% | 6,680 |
| Total risk-based capital ratio | 11.2698% | 6,776 |
| Memoranda: | ||
| Average total assets | $59,007,500 | 6,012 |
| Average earning assets | $53,584,750 | 6,006 |
| Average equity | $4,278,000 | 6,574 |
| Average total loans | $38,171,750 | 5,646 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8534% | 6,026 |
| Cost of funding earning assets | 0.4826% | 5,737 |
| Net interest margin | 3.3708% | 5,203 |
| Noninterest income to average assets | 0.1999% | 6,125 |
| Noninterest expense to average assets | 1.7823% | 6,773 |
| Loan and lease loss provision to assets | 0.0847% | 4,531 |
| Net operating income to assets | 1.2842% | 1,482 |
| Return on assets (ROA) | 1.2842% | 1,636 |
| Pretax return on assets | 1.3621% | 2,342 |
| Return on Equity (ROE) | 18.0433% | 505 |
| Retained earnings to average equity (ytd only) | 11.5687% | 651 |
| Net charge-offs to loans | 0.0054% | 5,421 |
| Credit loss provision to net charge-offs | 2,500.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 427.0000% | 96 |
| Efficiency ratio | 55.1941% | 6,205 |
| Assets per employee ($millions) | 5.8625% | 1,323 |
| Cash dividends to net income (ytd only)* | 35.8839% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8632% | 6,541 |
| Loan loss allowance to noncurrent loans | 487.5000% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 6,380 |
| Noncurrent loans to loans | 0.1771% | 6,231 |
| Net loans and leases to total assets | 68.7659% | 2,147 |
| Net loans and leases to deposits | 76.6717% | 2,893 |
| Net loans and leases to core deposits | 82.8654% | 2,845 |
| Total domestic deposits to total assets | 89.6887% | 1,109 |
| Equity capital to assets | 7.3672% | 6,830 |
| Core capital (leverage) ratio | 7.3917% | 6,670 |
| Tier 1 risk-based capital ratio | 10.3746% | 6,733 |
| Total risk-based capital ratio | 11.2228% | 6,815 |
| Memoranda: | ||
| Average total assets | $59,025,330 | 6,050 |
| Average earning assets | $53,043,670 | 6,061 |
| Average equity | $4,201,000 | 6,631 |
| Average total loans | $36,786,000 | 5,745 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7024% | 6,435 |
| Cost of funding earning assets | 0.5203% | 5,677 |
| Net interest margin | 3.1821% | 5,824 |
| Noninterest income to average assets | 0.1959% | 6,212 |
| Noninterest expense to average assets | 1.7020% | 6,895 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2697% | 1,538 |
| Return on assets (ROA) | 1.2697% | 1,710 |
| Pretax return on assets | 1.3440% | 2,377 |
| Return on Equity (ROE) | 18.1555% | 533 |
| Retained earnings to average equity (ytd only) | 18.1555% | 246 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8758% | 6,134 |
| Assets per employee ($millions) | 5.8808% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8928% | 6,553 |
| Loan loss allowance to noncurrent loans | 454.1667% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 6,471 |
| Noncurrent loans to loans | 0.1966% | 6,289 |
| Net loans and leases to total assets | 61.7263% | 3,309 |
| Net loans and leases to deposits | 66.6863% | 4,277 |
| Net loans and leases to core deposits | 72.1842% | 4,124 |
| Total domestic deposits to total assets | 92.5622% | 177 |
| Equity capital to assets | 7.1997% | 6,882 |
| Core capital (leverage) ratio | 7.2098% | 6,762 |
| Tier 1 risk-based capital ratio | 11.1283% | 6,480 |
| Total risk-based capital ratio | 11.9870% | 6,639 |
| Memoranda: | ||
| Average total assets | $59,225,500 | 6,088 |
| Average earning assets | $53,046,000 | 6,096 |
| Average equity | $4,142,000 | 6,681 |
| Average total loans | $34,846,500 | 5,879 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 6,095 |
| Cost of funding earning assets | 0.7692% | 5,064 |
| Net interest margin | 3.4177% | 5,435 |
| Noninterest income to average assets | 0.2160% | 5,976 |
| Noninterest expense to average assets | 1.9884% | 6,693 |
| Loan and lease loss provision to assets | 0.0335% | 6,141 |
| Net operating income to assets | 1.1823% | 1,557 |
| Return on assets (ROA) | 1.1823% | 1,672 |
| Pretax return on assets | 1.2549% | 2,283 |
| Return on Equity (ROE) | 16.8123% | 494 |
| Retained earnings to average equity (ytd only) | 14.8266% | 143 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6818% | 5,649 |
| Assets per employee ($millions) | 5.9643% | 1,258 |
| Cash dividends to net income (ytd only)* | 11.8110% | 3,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 6,274 |
| Loan loss allowance to noncurrent loans | 441.8919% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 6,532 |
| Noncurrent loans to loans | 0.2238% | 6,290 |
| Net loans and leases to total assets | 54.8916% | 4,897 |
| Net loans and leases to deposits | 59.0552% | 5,596 |
| Net loans and leases to core deposits | 63.6129% | 5,508 |
| Total domestic deposits to total assets | 92.9497% | 136 |
| Equity capital to assets | 6.7904% | 7,012 |
| Core capital (leverage) ratio | 6.9402% | 6,882 |
| Tier 1 risk-based capital ratio | 11.3937% | 6,224 |
| Total risk-based capital ratio | 12.3136% | 6,404 |
| Memoranda: | ||
| Average total assets | $53,711,000 | 6,240 |
| Average earning assets | $48,103,200 | 6,255 |
| Average equity | $3,777,000 | 6,809 |
| Average total loans | $34,066,800 | 5,948 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3659% | 5,720 |
| Cost of funding earning assets | 0.8220% | 4,995 |
| Net interest margin | 3.5439% | 5,007 |
| Noninterest income to average assets | 0.2093% | 6,119 |
| Noninterest expense to average assets | 1.9912% | 6,709 |
| Loan and lease loss provision to assets | 0.0460% | 5,866 |
| Net operating income to assets | 1.2764% | 1,441 |
| Return on assets (ROA) | 1.2764% | 1,544 |
| Pretax return on assets | 1.3530% | 2,106 |
| Return on Equity (ROE) | 17.9751% | 460 |
| Retained earnings to average equity (ytd only) | 15.9620% | 183 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7349% | 5,902 |
| Assets per employee ($millions) | 5.6306% | 1,482 |
| Cash dividends to net income (ytd only)* | 11.1993% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 6,360 |
| Loan loss allowance to noncurrent loans | 441.8919% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 6,547 |
| Noncurrent loans to loans | 0.2214% | 6,431 |
| Net loans and leases to total assets | 58.7699% | 4,361 |
| Net loans and leases to deposits | 63.4134% | 5,245 |
| Net loans and leases to core deposits | 68.2697% | 5,151 |
| Total domestic deposits to total assets | 92.6775% | 150 |
| Equity capital to assets | 7.0046% | 7,054 |
| Core capital (leverage) ratio | 7.6477% | 6,671 |
| Tier 1 risk-based capital ratio | 11.1876% | 6,437 |
| Total risk-based capital ratio | 12.1175% | 6,598 |
| Memoranda: | ||
| Average total assets | $52,228,000 | 6,349 |
| Average earning assets | $46,877,000 | 6,347 |
| Average equity | $3,708,750 | 6,881 |
| Average total loans | $34,317,000 | 6,008 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 5,494 |
| Cost of funding earning assets | 0.8706% | 4,897 |
| Net interest margin | 3.5880% | 4,763 |
| Noninterest income to average assets | 0.2044% | 6,204 |
| Noninterest expense to average assets | 2.0956% | 6,602 |
| Loan and lease loss provision to assets | 0.0708% | 5,427 |
| Net operating income to assets | 1.1834% | 1,622 |
| Return on assets (ROA) | 1.1834% | 1,712 |
| Pretax return on assets | 1.2463% | 2,319 |
| Return on Equity (ROE) | 16.5825% | 601 |
| Retained earnings to average equity (ytd only) | 14.4890% | 282 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4055% | 5,670 |
| Assets per employee ($millions) | 4.9916% | 2,135 |
| Cash dividends to net income (ytd only)* | 12.6246% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 6,545 |
| Loan loss allowance to noncurrent loans | 291.9643% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.3085% | 6,357 |
| Noncurrent loans to loans | 0.3221% | 6,267 |
| Net loans and leases to total assets | 69.0159% | 2,411 |
| Net loans and leases to deposits | 74.9141% | 3,658 |
| Net loans and leases to core deposits | 78.8600% | 3,955 |
| Total domestic deposits to total assets | 92.1268% | 215 |
| Equity capital to assets | 7.5427% | 6,928 |
| Core capital (leverage) ratio | 7.2215% | 6,907 |
| Tier 1 risk-based capital ratio | 10.8053% | 6,658 |
| Total risk-based capital ratio | 11.7468% | 6,786 |
| Memoranda: | ||
| Average total assets | $50,868,670 | 6,451 |
| Average earning assets | $45,485,330 | 6,457 |
| Average equity | $3,630,330 | 6,949 |
| Average total loans | $34,616,670 | 6,043 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4899% | 5,370 |
| Cost of funding earning assets | 0.8980% | 4,938 |
| Net interest margin | 3.5919% | 4,604 |
| Noninterest income to average assets | 0.2026% | 6,276 |
| Noninterest expense to average assets | 2.0333% | 6,767 |
| Loan and lease loss provision to assets | 0.0623% | 5,211 |
| Net operating income to assets | 1.2075% | 1,505 |
| Return on assets (ROA) | 1.2075% | 1,556 |
| Pretax return on assets | 1.2854% | 2,082 |
| Return on Equity (ROE) | 17.4011% | 530 |
| Retained earnings to average equity (ytd only) | 17.4011% | 259 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1382% | 5,962 |
| Assets per employee ($millions) | 4.4081% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 6,597 |
| Loan loss allowance to noncurrent loans | 344.5652% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 6,546 |
| Noncurrent loans to loans | 0.2721% | 6,445 |
| Net loans and leases to total assets | 63.3287% | 3,578 |
| Net loans and leases to deposits | 68.2191% | 4,645 |
| Net loans and leases to core deposits | 72.6928% | 4,697 |
| Total domestic deposits to total assets | 92.8314% | 150 |
| Equity capital to assets | 6.8511% | 7,131 |
| Core capital (leverage) ratio | 7.1871% | 6,920 |
| Tier 1 risk-based capital ratio | 10.5058% | 6,799 |
| Total risk-based capital ratio | 11.4195% | 6,944 |
| Memoranda: | ||
| Average total assets | $51,345,000 | 6,483 |
| Average earning assets | $45,435,000 | 6,506 |
| Average equity | $3,563,000 | 6,997 |
| Average total loans | $34,536,500 | 6,101 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 5,675 |
| Cost of funding earning assets | 1.2150% | 4,456 |
| Net interest margin | 3.5194% | 5,164 |
| Noninterest income to average assets | 0.3159% | 5,531 |
| Noninterest expense to average assets | 2.3052% | 6,345 |
| Loan and lease loss provision to assets | 0.5404% | 2,987 |
| Net operating income to assets | 0.6381% | 3,498 |
| Return on assets (ROA) | 0.6381% | 3,650 |
| Pretax return on assets | 0.6735% | 4,075 |
| Return on Equity (ROE) | 9.0103% | 2,286 |
| Retained earnings to average equity (ytd only) | 5.3710% | 2,199 |
| Net charge-offs to loans | 0.7105% | 2,881 |
| Credit loss provision to net charge-offs | 106.9959% | 4,157 |
| Earnings coverage of net charge-offs (x) | 2.4033% | 3,930 |
| Efficiency ratio | 65.5050% | 5,067 |
| Assets per employee ($millions) | 4.9793% | 2,180 |
| Cash dividends to net income (ytd only)* | 40.3909% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 6,782 |
| Loan loss allowance to noncurrent loans | 328.7234% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 6,570 |
| Noncurrent loans to loans | 0.2666% | 6,526 |
| Net loans and leases to total assets | 70.1866% | 2,499 |
| Net loans and leases to deposits | 75.7779% | 3,876 |
| Net loans and leases to core deposits | 80.0293% | 4,218 |
| Total domestic deposits to total assets | 92.6215% | 174 |
| Equity capital to assets | 7.0331% | 7,102 |
| Core capital (leverage) ratio | 7.0080% | 7,026 |
| Tier 1 risk-based capital ratio | 9.9575% | 7,000 |
| Total risk-based capital ratio | 10.8391% | 7,120 |
| Memoranda: | ||
| Average total assets | $48,109,000 | 6,599 |
| Average earning assets | $43,786,400 | 6,587 |
| Average equity | $3,407,200 | 7,159 |
| Average total loans | $34,203,400 | 6,200 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6786% | 6,095 |
| Cost of funding earning assets | 1.2696% | 4,441 |
| Net interest margin | 3.4090% | 5,636 |
| Noninterest income to average assets | 0.2740% | 5,917 |
| Noninterest expense to average assets | 2.2535% | 6,455 |
| Loan and lease loss provision to assets | 0.7269% | 2,100 |
| Net operating income to assets | 0.3998% | 4,751 |
| Return on assets (ROA) | 0.3998% | 4,928 |
| Pretax return on assets | 0.4166% | 5,171 |
| Return on Equity (ROE) | 5.6350% | 3,991 |
| Retained earnings to average equity (ytd only) | 1.9704% | 4,969 |
| Net charge-offs to loans | 0.9664% | 2,065 |
| Credit loss provision to net charge-offs | 105.6911% | 4,048 |
| Earnings coverage of net charge-offs (x) | 1.6626% | 4,459 |
| Efficiency ratio | 66.3374% | 4,788 |
| Assets per employee ($millions) | 4.8829% | 2,349 |
| Cash dividends to net income (ytd only)* | 65.0372% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8644% | 6,853 |
| Loan loss allowance to noncurrent loans | 397.4026% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 6,756 |
| Noncurrent loans to loans | 0.2175% | 6,745 |
| Net loans and leases to total assets | 71.8753% | 2,278 |
| Net loans and leases to deposits | 78.2921% | 3,777 |
| Net loans and leases to core deposits | 83.2112% | 4,065 |
| Total domestic deposits to total assets | 91.8041% | 229 |
| Equity capital to assets | 6.9487% | 7,357 |
| Core capital (leverage) ratio | 6.8490% | 7,234 |
| Tier 1 risk-based capital ratio | 9.6508% | 7,209 |
| Total risk-based capital ratio | 10.5302% | 7,318 |
| Memoranda: | ||
| Average total assets | $47,688,000 | 6,689 |
| Average earning assets | $43,687,250 | 6,672 |
| Average equity | $3,383,500 | 7,261 |
| Average total loans | $33,940,000 | 6,294 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5552% | 6,577 |
| Cost of funding earning assets | 1.3199% | 4,414 |
| Net interest margin | 3.2352% | 6,208 |
| Noninterest income to average assets | 0.2748% | 5,948 |
| Noninterest expense to average assets | 2.1054% | 6,890 |
| Loan and lease loss provision to assets | 0.3593% | 3,553 |
| Net operating income to assets | 0.7314% | 3,268 |
| Return on assets (ROA) | 0.7314% | 3,421 |
| Pretax return on assets | 0.7737% | 3,972 |
| Return on Equity (ROE) | 10.2357% | 2,015 |
| Retained earnings to average equity (ytd only) | 6.5674% | 2,041 |
| Net charge-offs to loans | 0.0060% | 6,286 |
| Credit loss provision to net charge-offs | 8,500.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 123 |
| Efficiency ratio | 65.0131% | 5,147 |
| Assets per employee ($millions) | 4.8354% | 2,398 |
| Cash dividends to net income (ytd only)* | 35.8382% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 6,020 |
| Loan loss allowance to noncurrent loans | 106.5156% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.9658% | 5,203 |
| Noncurrent loans to loans | 1.0173% | 5,275 |
| Net loans and leases to total assets | 70.9828% | 2,663 |
| Net loans and leases to deposits | 76.7423% | 4,199 |
| Net loans and leases to core deposits | 82.1753% | 4,390 |
| Total domestic deposits to total assets | 92.4949% | 153 |
| Equity capital to assets | 7.0915% | 7,313 |
| Core capital (leverage) ratio | 7.2251% | 7,054 |
| Tier 1 risk-based capital ratio | 9.8590% | 7,098 |
| Total risk-based capital ratio | 10.9432% | 7,176 |
| Memoranda: | ||
| Average total assets | $47,307,670 | 6,755 |
| Average earning assets | $43,335,330 | 6,728 |
| Average equity | $3,380,330 | 7,302 |
| Average total loans | $33,452,670 | 6,364 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5501% | 6,678 |
| Cost of funding earning assets | 1.3492% | 4,502 |
| Net interest margin | 3.2009% | 6,290 |
| Noninterest income to average assets | 0.2736% | 5,968 |
| Noninterest expense to average assets | 2.1631% | 6,774 |
| Loan and lease loss provision to assets | 0.1282% | 5,293 |
| Net operating income to assets | 0.8721% | 2,663 |
| Return on assets (ROA) | 0.8721% | 2,747 |
| Pretax return on assets | 0.9234% | 3,373 |
| Return on Equity (ROE) | 12.1573% | 1,453 |
| Retained earnings to average equity (ytd only) | 12.1573% | 722 |
| Net charge-offs to loans | 0.0122% | 5,412 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 269 |
| Efficiency ratio | 67.2872% | 4,853 |
| Assets per employee ($millions) | 4.7292% | 2,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 6,648 |
| Loan loss allowance to noncurrent loans | 80.9524% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.0403% | 5,063 |
| Noncurrent loans to loans | 1.1821% | 5,000 |
| Net loans and leases to total assets | 66.9690% | 3,642 |
| Net loans and leases to deposits | 72.5617% | 4,978 |
| Net loans and leases to core deposits | 77.1861% | 5,116 |
| Total domestic deposits to total assets | 92.2926% | 193 |
| Equity capital to assets | 7.1873% | 7,292 |
| Core capital (leverage) ratio | 7.3310% | 7,001 |
| Tier 1 risk-based capital ratio | 10.3293% | 6,784 |
| Total risk-based capital ratio | 11.2562% | 7,019 |
| Memoranda: | ||
| Average total assets | $46,784,500 | 6,848 |
| Average earning assets | $42,988,500 | 6,823 |
| Average equity | $3,356,000 | 7,388 |
| Average total loans | $32,829,500 | 6,468 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8621% | 6,803 |
| Cost of funding earning assets | 1.5274% | 5,387 |
| Net interest margin | 3.3347% | 5,606 |
| Noninterest income to average assets | 0.2879% | 6,051 |
| Noninterest expense to average assets | 2.2898% | 6,776 |
| Loan and lease loss provision to assets | 0.3362% | 4,787 |
| Net operating income to assets | 0.7032% | 2,918 |
| Return on assets (ROA) | 0.7032% | 2,989 |
| Pretax return on assets | 0.7515% | 3,401 |
| Return on Equity (ROE) | 9.7264% | 1,771 |
| Retained earnings to average equity (ytd only) | 5.7143% | 1,468 |
| Net charge-offs to loans | 0.3411% | 4,521 |
| Credit loss provision to net charge-offs | 144.3396% | 3,310 |
| Earnings coverage of net charge-offs (x) | 4.6698% | 2,859 |
| Efficiency ratio | 67.7944% | 5,045 |
| Assets per employee ($millions) | 4.6277% | 2,722 |
| Cash dividends to net income (ytd only)* | 41.2500% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8669% | 6,933 |
| Loan loss allowance to noncurrent loans | 94.8052% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 5,270 |
| Noncurrent loans to loans | 0.9144% | 5,482 |
| Net loans and leases to total assets | 72.1525% | 2,717 |
| Net loans and leases to deposits | 78.1199% | 4,344 |
| Net loans and leases to core deposits | 92.0139% | 4,885 |
| Total domestic deposits to total assets | 92.3612% | 204 |
| Equity capital to assets | 7.1591% | 7,291 |
| Core capital (leverage) ratio | 6.9033% | 7,311 |
| Tier 1 risk-based capital ratio | 9.9684% | 6,901 |
| Total risk-based capital ratio | 10.8483% | 7,145 |
| Memoranda: | ||
| Average total assets | $45,506,200 | 6,895 |
| Average earning assets | $42,162,600 | 6,857 |
| Average equity | $3,290,000 | 7,506 |
| Average total loans | $31,074,000 | 6,576 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8607% | 6,986 |
| Cost of funding earning assets | 1.5587% | 5,591 |
| Net interest margin | 3.3020% | 5,633 |
| Noninterest income to average assets | 0.2707% | 6,295 |
| Noninterest expense to average assets | 2.0332% | 7,325 |
| Loan and lease loss provision to assets | 0.1471% | 5,884 |
| Net operating income to assets | 1.0740% | 1,817 |
| Return on assets (ROA) | 1.0740% | 1,870 |
| Pretax return on assets | 1.1446% | 2,431 |
| Return on Equity (ROE) | 14.8177% | 797 |
| Retained earnings to average equity (ytd only) | 10.7988% | 499 |
| Net charge-offs to loans | 0.0614% | 6,089 |
| Credit loss provision to net charge-offs | 357.1429% | 1,149 |
| Earnings coverage of net charge-offs (x) | 31.3508% | 902 |
| Efficiency ratio | 61.1504% | 6,248 |
| Assets per employee ($millions) | 4.7505% | 2,472 |
| Cash dividends to net income (ytd only)* | 27.1242% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8236% | 7,048 |
| Loan loss allowance to noncurrent loans | 208.1481% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5242% | 6,148 |
| Noncurrent loans to loans | 0.3957% | 6,549 |
| Net loans and leases to total assets | 71.2283% | 3,217 |
| Net loans and leases to deposits | 82.7796% | 3,871 |
| Net loans and leases to core deposits | 100.0207% | 4,368 |
| Total domestic deposits to total assets | 86.0457% | 2,688 |
| Equity capital to assets | 7.1361% | 7,531 |
| Core capital (leverage) ratio | 7.3609% | 7,124 |
| Tier 1 risk-based capital ratio | 10.0537% | 6,922 |
| Total risk-based capital ratio | 10.8881% | 7,242 |
| Memoranda: | ||
| Average total assets | $45,313,500 | 6,950 |
| Average earning assets | $41,913,250 | 6,913 |
| Average equity | $3,284,250 | 7,577 |
| Average total loans | $30,422,000 | 6,659 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9019% | 7,025 |
| Cost of funding earning assets | 1.6000% | 5,741 |
| Net interest margin | 3.3018% | 5,546 |
| Noninterest income to average assets | 0.2692% | 6,346 |
| Noninterest expense to average assets | 1.9335% | 7,580 |
| Loan and lease loss provision to assets | 0.1346% | 5,735 |
| Net operating income to assets | 1.1753% | 1,549 |
| Return on assets (ROA) | 1.1753% | 1,631 |
| Pretax return on assets | 1.2561% | 2,140 |
| Return on Equity (ROE) | 16.1280% | 677 |
| Retained earnings to average equity (ytd only) | 12.0653% | 431 |
| Net charge-offs to loans | 0.0480% | 5,805 |
| Credit loss provision to net charge-offs | 428.5714% | 1,077 |
| Earnings coverage of net charge-offs (x) | 44.2857% | 756 |
| Efficiency ratio | 58.1646% | 6,839 |
| Assets per employee ($millions) | 4.9669% | 2,118 |
| Cash dividends to net income (ytd only)* | 25.1908% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8565% | 6,952 |
| Loan loss allowance to noncurrent loans | 1,576.4706% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 6,834 |
| Noncurrent loans to loans | 0.0543% | 7,397 |
| Net loans and leases to total assets | 69.3973% | 3,848 |
| Net loans and leases to deposits | 75.3272% | 5,272 |
| Net loans and leases to core deposits | 91.1929% | 5,429 |
| Total domestic deposits to total assets | 92.1279% | 192 |
| Equity capital to assets | 7.4068% | 7,345 |
| Core capital (leverage) ratio | 7.3772% | 7,154 |
| Tier 1 risk-based capital ratio | 10.6160% | 6,267 |
| Total risk-based capital ratio | 11.4739% | 6,614 |
| Memoranda: | ||
| Average total assets | $44,583,000 | 7,033 |
| Average earning assets | $41,249,670 | 7,001 |
| Average equity | $3,249,000 | 7,650 |
| Average total loans | $29,190,000 | 6,777 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8818% | 7,212 |
| Cost of funding earning assets | 1.6693% | 5,744 |
| Net interest margin | 3.2125% | 5,825 |
| Noninterest income to average assets | 0.2156% | 6,753 |
| Noninterest expense to average assets | 1.9136% | 7,521 |
| Loan and lease loss provision to assets | 0.1348% | 5,233 |
| Net operating income to assets | 1.0691% | 2,070 |
| Return on assets (ROA) | 1.0691% | 2,201 |
| Pretax return on assets | 1.1410% | 2,828 |
| Return on Equity (ROE) | 14.7918% | 1,018 |
| Retained earnings to average equity (ytd only) | 14.7918% | 439 |
| Net charge-offs to loans | 0.0995% | 4,183 |
| Credit loss provision to net charge-offs | 214.2857% | 2,101 |
| Earnings coverage of net charge-offs (x) | 20.2857% | 1,382 |
| Efficiency ratio | 60.0000% | 6,402 |
| Assets per employee ($millions) | 5.0471% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 6,811 |
| Loan loss allowance to noncurrent loans | 236.4486% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 6,147 |
| Noncurrent loans to loans | 0.3741% | 6,484 |
| Net loans and leases to total assets | 62.4141% | 5,250 |
| Net loans and leases to deposits | 67.6280% | 6,219 |
| Net loans and leases to core deposits | 80.6297% | 6,337 |
| Total domestic deposits to total assets | 92.2904% | 142 |
| Equity capital to assets | 7.2076% | 7,558 |
| Core capital (leverage) ratio | 7.2627% | 7,412 |
| Tier 1 risk-based capital ratio | 10.2549% | 6,642 |
| Total risk-based capital ratio | 11.0559% | 7,040 |
| Memoranda: | ||
| Average total assets | $44,523,500 | 7,082 |
| Average earning assets | $41,214,500 | 7,050 |
| Average equity | $3,218,000 | 7,714 |
| Average total loans | $28,140,000 | 6,873 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6953% | 6,794 |
| Cost of funding earning assets | 2.3344% | 4,991 |
| Net interest margin | 3.3609% | 5,817 |
| Noninterest income to average assets | 0.2684% | 6,536 |
| Noninterest expense to average assets | 2.1619% | 7,089 |
| Loan and lease loss provision to assets | 0.3416% | 3,656 |
| Net operating income to assets | 0.7435% | 3,701 |
| Return on assets (ROA) | 0.7808% | 3,362 |
| Pretax return on assets | 0.8662% | 3,836 |
| Return on Equity (ROE) | 10.4241% | 2,117 |
| Retained earnings to average equity (ytd only) | 7.1666% | 1,098 |
| Net charge-offs to loans | 0.5254% | 2,264 |
| Credit loss provision to net charge-offs | 99.2908% | 5,401 |
| Earnings coverage of net charge-offs (x) | 3.3901% | 4,391 |
| Efficiency ratio | 64.9560% | 5,336 |
| Assets per employee ($millions) | 4.8470% | 2,119 |
| Cash dividends to net income (ytd only)* | 31.2500% | 4,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 6,755 |
| Loan loss allowance to noncurrent loans | 228.9720% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.4676% | 5,820 |
| Noncurrent loans to loans | 0.3866% | 6,184 |
| Net loans and leases to total assets | 62.8820% | 5,477 |
| Net loans and leases to deposits | 68.1685% | 6,448 |
| Net loans and leases to core deposits | 81.9668% | 6,466 |
| Total domestic deposits to total assets | 92.2449% | 103 |
| Equity capital to assets | 7.2485% | 7,590 |
| Core capital (leverage) ratio | 7.3135% | 7,399 |
| Tier 1 risk-based capital ratio | 10.1121% | 6,618 |
| Total risk-based capital ratio | 10.9062% | 7,034 |
| Memoranda: | ||
| Average total assets | $40,982,400 | 7,170 |
| Average earning assets | $37,311,600 | 7,180 |
| Average equity | $3,069,800 | 7,814 |
| Average total loans | $26,837,400 | 6,912 |