Home > Bank of Lake Village > Performance and Condition Ratios
Bank of Lake Village, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6663% | 299 |
| Cost of funding earning assets | 1.0985% | 3,073 |
| Net interest margin | 5.5678% | 169 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.6200% | 1,951 |
| Loan and lease loss provision to assets | 0.3200% | 332 |
| Net operating income to assets | 2.0928% | 404 |
| Return on assets (ROA) | 2.0928% | 392 |
| Pretax return on assets | 2.4087% | 374 |
| Return on Equity (ROE) | 19.7100% | 637 |
| Retained earnings to average equity (ytd only) | 9.7377% | 1,078 |
| Net charge-offs to loans | -0.0019% | 3,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 48.9809% | 4,042 |
| Assets per employee ($millions) | 5.3602% | 3,350 |
| Cash dividends to net income (ytd only)* | 50.5908% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1243% | 56 |
| Loan loss allowance to noncurrent loans | 1,835.4545% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.1283% | 2,680 |
| Noncurrent loans to loans | 0.2247% | 2,418 |
| Net loans and leases to total assets | 54.7300% | 3,295 |
| Net loans and leases to deposits | 62.7121% | 3,366 |
| Net loans and leases to core deposits | 69.9385% | 3,311 |
| Total domestic deposits to total assets | 87.2700% | 1,599 |
| Equity capital to assets | 12.0320% | 1,115 |
| Core capital (leverage) ratio | 13.8361% | 832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8635% | 619 |
| Memoranda: | ||
| Average total assets | $88,970,200 | 3,925 |
| Average earning assets | $82,295,000 | 3,904 |
| Average equity | $9,447,800 | 3,778 |
| Average total loans | $52,001,800 | 3,813 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4725% | 313 |
| Cost of funding earning assets | 0.8425% | 3,421 |
| Net interest margin | 5.6300% | 158 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.3333% | 2,694 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 2.0719% | 454 |
| Return on assets (ROA) | 2.0719% | 448 |
| Pretax return on assets | 2.9169% | 252 |
| Return on Equity (ROE) | 20.1500% | 709 |
| Retained earnings to average equity (ytd only) | 12.2929% | 926 |
| Net charge-offs to loans | -0.0025% | 3,614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 42.9705% | 4,272 |
| Assets per employee ($millions) | 6.0288% | 2,731 |
| Cash dividends to net income (ytd only)* | 38.9964% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8726% | 134 |
| Loan loss allowance to noncurrent loans | 390.5263% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 1,177 |
| Noncurrent loans to loans | 0.7356% | 1,121 |
| Net loans and leases to total assets | 65.0200% | 2,343 |
| Net loans and leases to deposits | 82.2968% | 1,885 |
| Net loans and leases to core deposits | 90.5756% | 1,893 |
| Total domestic deposits to total assets | 79.0100% | 3,696 |
| Equity capital to assets | 10.0248% | 1,822 |
| Core capital (leverage) ratio | 12.5885% | 1,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7537% | 984 |
| Memoranda: | ||
| Average total assets | $89,772,000 | 3,929 |
| Average earning assets | $83,242,250 | 3,911 |
| Average equity | $9,230,000 | 3,797 |
| Average total loans | $52,763,750 | 3,810 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9016% | 504 |
| Cost of funding earning assets | 0.5156% | 3,949 |
| Net interest margin | 5.3859% | 191 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.3787% | 2,561 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 2.0491% | 432 |
| Return on assets (ROA) | 2.0491% | 427 |
| Pretax return on assets | 2.8206% | 242 |
| Return on Equity (ROE) | 20.1300% | 692 |
| Retained earnings to average equity (ytd only) | 11.9901% | 987 |
| Net charge-offs to loans | -0.0041% | 3,663 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 45.5902% | 4,180 |
| Assets per employee ($millions) | 5.5334% | 3,118 |
| Cash dividends to net income (ytd only)* | 40.4469% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8503% | 146 |
| Loan loss allowance to noncurrent loans | 777.2321% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 1,933 |
| Noncurrent loans to loans | 0.3667% | 1,830 |
| Net loans and leases to total assets | 67.0300% | 2,054 |
| Net loans and leases to deposits | 84.3607% | 1,637 |
| Net loans and leases to core deposits | 88.0535% | 1,924 |
| Total domestic deposits to total assets | 79.4500% | 3,658 |
| Equity capital to assets | 10.6568% | 1,524 |
| Core capital (leverage) ratio | 13.8969% | 793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5751% | 1,021 |
| Memoranda: | ||
| Average total assets | $87,357,333 | 3,974 |
| Average earning assets | $81,063,333 | 3,954 |
| Average equity | $8,890,667 | 3,860 |
| Average total loans | $48,826,667 | 3,874 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4695% | 652 |
| Cost of funding earning assets | 0.3935% | 3,981 |
| Net interest margin | 5.0759% | 267 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.1529% | 3,245 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0192% | 475 |
| Return on assets (ROA) | 2.0192% | 472 |
| Pretax return on assets | 2.7752% | 260 |
| Return on Equity (ROE) | 20.3300% | 721 |
| Retained earnings to average equity (ytd only) | 11.9278% | 1,284 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.6857% | 4,312 |
| Assets per employee ($millions) | 5.5212% | 3,201 |
| Cash dividends to net income (ytd only)* | 41.3242% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1327% | 58 |
| Loan loss allowance to noncurrent loans | 3,938.6364% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 3,252 |
| Noncurrent loans to loans | 0.1049% | 3,013 |
| Net loans and leases to total assets | 48.5400% | 3,594 |
| Net loans and leases to deposits | 54.5683% | 3,645 |
| Net loans and leases to core deposits | 55.3916% | 3,775 |
| Total domestic deposits to total assets | 88.9600% | 1,558 |
| Equity capital to assets | 10.7356% | 1,441 |
| Core capital (leverage) ratio | 12.6557% | 1,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9482% | 854 |
| Memoranda: | ||
| Average total assets | $86,768,500 | 4,030 |
| Average earning assets | $80,300,500 | 4,017 |
| Average equity | $8,618,500 | 3,936 |
| Average total loans | $42,699,000 | 4,023 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7995% | 432 |
| Cost of funding earning assets | 0.3069% | 2,821 |
| Net interest margin | 4.4926% | 296 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.8137% | 1,289 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.5484% | 782 |
| Return on assets (ROA) | 1.5484% | 755 |
| Pretax return on assets | 1.7391% | 843 |
| Return on Equity (ROE) | 15.2100% | 1,209 |
| Retained earnings to average equity (ytd only) | 7.7409% | 1,941 |
| Net charge-offs to loans | 0.2795% | 279 |
| Credit loss provision to net charge-offs | 50.7692% | 1,815 |
| Earnings coverage of net charge-offs (x) | 11.6615% | 2,143 |
| Efficiency ratio | 60.7457% | 2,948 |
| Assets per employee ($millions) | 6.0479% | 2,721 |
| Cash dividends to net income (ytd only)* | 49.1092% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9849% | 64 |
| Loan loss allowance to noncurrent loans | 246.3727% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.7749% | 610 |
| Noncurrent loans to loans | 1.6174% | 393 |
| Net loans and leases to total assets | 46.0000% | 3,800 |
| Net loans and leases to deposits | 50.8004% | 3,863 |
| Net loans and leases to core deposits | 52.3292% | 3,898 |
| Total domestic deposits to total assets | 90.5500% | 1,132 |
| Equity capital to assets | 9.1998% | 2,226 |
| Core capital (leverage) ratio | 12.4488% | 1,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4930% | 779 |
| Memoranda: | ||
| Average total assets | $83,378,000 | 4,087 |
| Average earning assets | $77,883,800 | 4,066 |
| Average equity | $8,487,400 | 4,051 |
| Average total loans | $46,511,000 | 3,953 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6153% | 414 |
| Cost of funding earning assets | 0.2677% | 2,510 |
| Net interest margin | 4.3476% | 309 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.5540% | 1,850 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5157% | 820 |
| Return on assets (ROA) | 1.5157% | 793 |
| Pretax return on assets | 2.0406% | 428 |
| Return on Equity (ROE) | 14.5000% | 1,293 |
| Retained earnings to average equity (ytd only) | 7.4309% | 2,220 |
| Net charge-offs to loans | 0.1805% | 375 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,723 |
| Efficiency ratio | 55.5872% | 3,666 |
| Assets per employee ($millions) | 6.1332% | 2,641 |
| Cash dividends to net income (ytd only)* | 48.7594% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7535% | 168 |
| Loan loss allowance to noncurrent loans | 418.3575% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 1,200 |
| Noncurrent loans to loans | 0.6582% | 1,237 |
| Net loans and leases to total assets | 66.4900% | 1,835 |
| Net loans and leases to deposits | 83.5701% | 1,332 |
| Net loans and leases to core deposits | 87.3246% | 1,446 |
| Total domestic deposits to total assets | 79.5600% | 4,138 |
| Equity capital to assets | 8.6274% | 2,463 |
| Core capital (leverage) ratio | 10.9885% | 1,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1807% | 1,372 |
| Memoranda: | ||
| Average total assets | $81,542,750 | 4,138 |
| Average earning assets | $76,699,000 | 4,106 |
| Average equity | $8,522,750 | 4,092 |
| Average total loans | $47,272,750 | 3,959 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0421% | 869 |
| Cost of funding earning assets | 0.1927% | 3,016 |
| Net interest margin | 3.8493% | 676 |
| Noninterest income to average assets | 0.6841% | 1,413 |
| Noninterest expense to average assets | 2.6878% | 1,418 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2350% | 1,315 |
| Return on assets (ROA) | 1.2350% | 1,295 |
| Pretax return on assets | 1.6296% | 881 |
| Return on Equity (ROE) | 11.0576% | 1,961 |
| Retained earnings to average equity (ytd only) | 4.8406% | 2,772 |
| Net charge-offs to loans | 0.3043% | 228 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 9.9375% | 1,770 |
| Efficiency ratio | 62.2552% | 3,013 |
| Assets per employee ($millions) | 5.5072% | 3,219 |
| Cash dividends to net income (ytd only)* | 56.2241% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2101% | 116 |
| Loan loss allowance to noncurrent loans | 506.4327% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.4140% | 1,365 |
| Noncurrent loans to loans | 0.6339% | 1,344 |
| Net loans and leases to total assets | 63.2166% | 1,992 |
| Net loans and leases to deposits | 70.9528% | 2,117 |
| Net loans and leases to core deposits | 73.5407% | 2,204 |
| Total domestic deposits to total assets | 89.0967% | 2,138 |
| Equity capital to assets | 9.6916% | 1,887 |
| Core capital (leverage) ratio | 12.4827% | 975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6388% | 1,047 |
| Memoranda: | ||
| Average total assets | $78,057,667 | 4,225 |
| Average earning assets | $73,675,333 | 4,194 |
| Average equity | $8,718,000 | 4,129 |
| Average total loans | $42,063,000 | 4,106 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5296% | 1,704 |
| Cost of funding earning assets | 0.1961% | 2,853 |
| Net interest margin | 3.3335% | 1,487 |
| Noninterest income to average assets | 0.2534% | 3,627 |
| Noninterest expense to average assets | 2.1324% | 3,038 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9237% | 2,183 |
| Return on assets (ROA) | 0.9237% | 2,177 |
| Pretax return on assets | 1.2615% | 1,614 |
| Return on Equity (ROE) | 7.7143% | 2,797 |
| Retained earnings to average equity (ytd only) | 3.7470% | 3,030 |
| Net charge-offs to loans | 0.0221% | 1,103 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 119.5000% | 613 |
| Efficiency ratio | 62.8305% | 3,167 |
| Assets per employee ($millions) | 5.0637% | 3,699 |
| Cash dividends to net income (ytd only)* | 51.4286% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7457% | 47 |
| Loan loss allowance to noncurrent loans | 1,888.4211% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 2,932 |
| Noncurrent loans to loans | 0.2513% | 2,586 |
| Net loans and leases to total assets | 47.4083% | 3,449 |
| Net loans and leases to deposits | 53.9436% | 3,422 |
| Net loans and leases to core deposits | 56.5148% | 3,409 |
| Total domestic deposits to total assets | 87.8849% | 2,578 |
| Equity capital to assets | 11.4002% | 1,161 |
| Core capital (leverage) ratio | 12.5377% | 897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2507% | 720 |
| Memoranda: | ||
| Average total assets | $75,782,500 | 4,276 |
| Average earning assets | $71,396,000 | 4,253 |
| Average equity | $9,074,000 | 4,151 |
| Average total loans | $36,117,500 | 4,228 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7283% | 403 |
| Cost of funding earning assets | 0.2470% | 2,965 |
| Net interest margin | 4.4814% | 285 |
| Noninterest income to average assets | 2.7069% | 208 |
| Noninterest expense to average assets | 3.0556% | 908 |
| Loan and lease loss provision to assets | 1.2903% | 21 |
| Net operating income to assets | 2.1384% | 271 |
| Return on assets (ROA) | 2.1384% | 287 |
| Pretax return on assets | 2.5712% | 233 |
| Return on Equity (ROE) | 16.9386% | 599 |
| Retained earnings to average equity (ytd only) | 12.8544% | 412 |
| Net charge-offs to loans | 0.2449% | 381 |
| Credit loss provision to net charge-offs | 1,001.0526% | 529 |
| Earnings coverage of net charge-offs (x) | 29.9579% | 1,607 |
| Efficiency ratio | 44.1742% | 4,566 |
| Assets per employee ($millions) | 5.0655% | 3,675 |
| Cash dividends to net income (ytd only)* | 24.1117% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2161% | 41 |
| Loan loss allowance to noncurrent loans | 745.2282% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3303% | 1,914 |
| Noncurrent loans to loans | 0.6999% | 1,443 |
| Net loans and leases to total assets | 42.9523% | 3,916 |
| Net loans and leases to deposits | 49.8328% | 3,898 |
| Net loans and leases to core deposits | 52.0868% | 3,888 |
| Total domestic deposits to total assets | 86.1928% | 2,838 |
| Equity capital to assets | 12.9768% | 904 |
| Core capital (leverage) ratio | 13.2497% | 739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2258% | 426 |
| Memoranda: | ||
| Average total assets | $73,701,200 | 4,295 |
| Average earning assets | $69,242,000 | 4,268 |
| Average equity | $9,304,200 | 4,211 |
| Average total loans | $38,797,800 | 4,216 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9158% | 346 |
| Cost of funding earning assets | 0.2563% | 3,057 |
| Net interest margin | 4.6595% | 235 |
| Noninterest income to average assets | 3.5606% | 165 |
| Noninterest expense to average assets | 2.7019% | 1,581 |
| Loan and lease loss provision to assets | 1.7339% | 12 |
| Net operating income to assets | 2.1058% | 390 |
| Return on assets (ROA) | 2.1058% | 410 |
| Pretax return on assets | 3.5005% | 122 |
| Return on Equity (ROE) | 16.8022% | 799 |
| Retained earnings to average equity (ytd only) | 13.7472% | 536 |
| Net charge-offs to loans | 0.2206% | 374 |
| Credit loss provision to net charge-offs | 1,440.9091% | 417 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 1,313 |
| Efficiency ratio | 34.0455% | 4,836 |
| Assets per employee ($millions) | 4.8936% | 3,798 |
| Cash dividends to net income (ytd only)* | 18.1818% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1689% | 63 |
| Loan loss allowance to noncurrent loans | 941.2371% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.2779% | 2,391 |
| Noncurrent loans to loans | 0.4429% | 2,234 |
| Net loans and leases to total assets | 57.1835% | 2,592 |
| Net loans and leases to deposits | 66.1263% | 2,619 |
| Net loans and leases to core deposits | 69.2143% | 2,665 |
| Total domestic deposits to total assets | 86.4762% | 2,568 |
| Equity capital to assets | 13.3303% | 895 |
| Core capital (leverage) ratio | 12.6742% | 932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9872% | 537 |
| Memoranda: | ||
| Average total assets | $73,131,000 | 4,355 |
| Average earning assets | $68,675,000 | 4,332 |
| Average equity | $9,165,250 | 4,287 |
| Average total loans | $39,889,250 | 4,243 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7843% | 473 |
| Cost of funding earning assets | 0.2592% | 3,192 |
| Net interest margin | 4.5252% | 338 |
| Noninterest income to average assets | 0.2245% | 4,056 |
| Noninterest expense to average assets | 2.6451% | 1,743 |
| Loan and lease loss provision to assets | 0.0438% | 2,143 |
| Net operating income to assets | 1.2924% | 1,889 |
| Return on assets (ROA) | 1.2924% | 1,963 |
| Pretax return on assets | 1.7908% | 1,259 |
| Return on Equity (ROE) | 10.5373% | 2,573 |
| Retained earnings to average equity (ytd only) | 7.4118% | 2,284 |
| Net charge-offs to loans | -0.0052% | 3,447 |
| Credit loss provision to net charge-offs | -1,600.0000% | 3,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0465% | 3,145 |
| Assets per employee ($millions) | 5.0727% | 3,593 |
| Cash dividends to net income (ytd only)* | 29.6610% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1125% | 491 |
| Loan loss allowance to noncurrent loans | 427.6786% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 2,377 |
| Noncurrent loans to loans | 0.4939% | 2,202 |
| Net loans and leases to total assets | 58.3394% | 2,621 |
| Net loans and leases to deposits | 70.4485% | 2,365 |
| Net loans and leases to core deposits | 72.9983% | 2,521 |
| Total domestic deposits to total assets | 82.8114% | 3,748 |
| Equity capital to assets | 11.9633% | 1,379 |
| Core capital (leverage) ratio | 12.2822% | 990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8671% | 718 |
| Memoranda: | ||
| Average total assets | $73,040,000 | 4,382 |
| Average earning assets | $68,682,333 | 4,359 |
| Average equity | $8,958,667 | 4,330 |
| Average total loans | $38,585,333 | 4,311 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6381% | 618 |
| Cost of funding earning assets | 0.2932% | 3,066 |
| Net interest margin | 4.3448% | 476 |
| Noninterest income to average assets | 0.2455% | 3,925 |
| Noninterest expense to average assets | 2.6898% | 1,642 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1719% | 2,258 |
| Return on assets (ROA) | 1.1719% | 2,327 |
| Pretax return on assets | 1.6072% | 1,709 |
| Return on Equity (ROE) | 9.2936% | 2,927 |
| Retained earnings to average equity (ytd only) | 6.1957% | 2,831 |
| Net charge-offs to loans | -0.0114% | 3,715 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5974% | 2,659 |
| Assets per employee ($millions) | 4.8044% | 3,845 |
| Cash dividends to net income (ytd only)* | 33.3333% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6067% | 226 |
| Loan loss allowance to noncurrent loans | 397.0464% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 1.2600% | 570 |
| Noncurrent loans to loans | 0.6565% | 1,930 |
| Net loans and leases to total assets | 48.7858% | 3,735 |
| Net loans and leases to deposits | 55.9413% | 3,792 |
| Net loans and leases to core deposits | 57.2708% | 3,888 |
| Total domestic deposits to total assets | 87.2089% | 2,220 |
| Equity capital to assets | 12.4108% | 1,115 |
| Core capital (leverage) ratio | 12.6106% | 954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0732% | 507 |
| Memoranda: | ||
| Average total assets | $71,679,500 | 4,418 |
| Average earning assets | $66,838,000 | 4,398 |
| Average equity | $9,038,500 | 4,329 |
| Average total loans | $35,203,500 | 4,396 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9678% | 520 |
| Cost of funding earning assets | 0.4477% | 3,295 |
| Net interest margin | 4.5201% | 317 |
| Noninterest income to average assets | 0.5965% | 2,225 |
| Noninterest expense to average assets | 3.0733% | 1,284 |
| Loan and lease loss provision to assets | 0.1491% | 2,510 |
| Net operating income to assets | 1.3617% | 1,103 |
| Return on assets (ROA) | 1.5367% | 796 |
| Pretax return on assets | 1.7501% | 766 |
| Return on Equity (ROE) | 12.1568% | 1,282 |
| Retained earnings to average equity (ytd only) | 8.9180% | 790 |
| Net charge-offs to loans | 0.1563% | 1,051 |
| Credit loss provision to net charge-offs | 170.0000% | 2,317 |
| Earnings coverage of net charge-offs (x) | 19.3833% | 1,982 |
| Efficiency ratio | 64.3798% | 2,757 |
| Assets per employee ($millions) | 4.7529% | 3,659 |
| Cash dividends to net income (ytd only)* | 26.6413% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7428% | 199 |
| Loan loss allowance to noncurrent loans | 416.3717% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 1.2582% | 653 |
| Noncurrent loans to loans | 0.6587% | 2,034 |
| Net loans and leases to total assets | 46.8026% | 4,073 |
| Net loans and leases to deposits | 53.9230% | 4,114 |
| Net loans and leases to core deposits | 54.8601% | 4,215 |
| Total domestic deposits to total assets | 86.7953% | 2,038 |
| Equity capital to assets | 12.8105% | 1,178 |
| Core capital (leverage) ratio | 12.3200% | 1,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6056% | 463 |
| Memoranda: | ||
| Average total assets | $68,395,000 | 4,408 |
| Average earning assets | $63,207,000 | 4,400 |
| Average equity | $8,645,400 | 4,354 |
| Average total loans | $38,386,800 | 4,341 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2227% | 397 |
| Cost of funding earning assets | 0.4701% | 3,418 |
| Net interest margin | 4.7526% | 228 |
| Noninterest income to average assets | 0.2719% | 3,841 |
| Noninterest expense to average assets | 2.8254% | 1,899 |
| Loan and lease loss provision to assets | 0.1714% | 2,278 |
| Net operating income to assets | 1.1655% | 1,764 |
| Return on assets (ROA) | 1.3772% | 1,251 |
| Pretax return on assets | 1.9250% | 600 |
| Return on Equity (ROE) | 10.9342% | 1,705 |
| Retained earnings to average equity (ytd only) | 7.6492% | 1,440 |
| Net charge-offs to loans | 0.2030% | 754 |
| Credit loss provision to net charge-offs | 145.0000% | 2,356 |
| Earnings coverage of net charge-offs (x) | 15.4667% | 2,099 |
| Efficiency ratio | 60.7113% | 3,273 |
| Assets per employee ($millions) | 4.8351% | 3,448 |
| Cash dividends to net income (ytd only)* | 30.0429% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8242% | 685 |
| Loan loss allowance to noncurrent loans | 339.1941% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 1.2878% | 741 |
| Noncurrent loans to loans | 0.5378% | 2,454 |
| Net loans and leases to total assets | 68.7151% | 2,150 |
| Net loans and leases to deposits | 83.2907% | 1,983 |
| Net loans and leases to core deposits | 84.7842% | 2,403 |
| Total domestic deposits to total assets | 82.5003% | 3,284 |
| Equity capital to assets | 12.1748% | 1,585 |
| Core capital (leverage) ratio | 12.0201% | 1,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8859% | 595 |
| Memoranda: | ||
| Average total assets | $67,670,500 | 4,425 |
| Average earning assets | $62,392,750 | 4,424 |
| Average equity | $8,523,500 | 4,386 |
| Average total loans | $39,406,500 | 4,346 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2689% | 503 |
| Cost of funding earning assets | 0.4784% | 3,664 |
| Net interest margin | 4.7905% | 288 |
| Noninterest income to average assets | 0.2967% | 3,692 |
| Noninterest expense to average assets | 2.8432% | 1,992 |
| Loan and lease loss provision to assets | 0.1332% | 2,677 |
| Net operating income to assets | 1.3612% | 1,202 |
| Return on assets (ROA) | 1.6866% | 692 |
| Pretax return on assets | 2.1286% | 416 |
| Return on Equity (ROE) | 13.2283% | 1,047 |
| Retained earnings to average equity (ytd only) | 9.9034% | 808 |
| Net charge-offs to loans | 0.3369% | 482 |
| Credit loss provision to net charge-offs | 73.3333% | 2,535 |
| Earnings coverage of net charge-offs (x) | 10.1833% | 2,171 |
| Efficiency ratio | 60.5806% | 3,329 |
| Assets per employee ($millions) | 4.7359% | 3,493 |
| Cash dividends to net income (ytd only)* | 25.1346% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9049% | 525 |
| Loan loss allowance to noncurrent loans | 279.4304% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 1.3753% | 723 |
| Noncurrent loans to loans | 0.6817% | 2,169 |
| Net loans and leases to total assets | 64.0085% | 2,880 |
| Net loans and leases to deposits | 78.5377% | 2,597 |
| Net loans and leases to core deposits | 79.9912% | 2,947 |
| Total domestic deposits to total assets | 81.5003% | 3,499 |
| Equity capital to assets | 12.3552% | 1,450 |
| Core capital (leverage) ratio | 12.6203% | 1,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8146% | 793 |
| Memoranda: | ||
| Average total assets | $66,051,667 | 4,457 |
| Average earning assets | $60,620,333 | 4,461 |
| Average equity | $8,421,333 | 4,418 |
| Average total loans | $35,621,000 | 4,436 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4444% | 2,462 |
| Cost of funding earning assets | 0.5105% | 3,893 |
| Net interest margin | 3.9340% | 1,568 |
| Noninterest income to average assets | 0.2752% | 3,881 |
| Noninterest expense to average assets | 2.8394% | 2,309 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8291% | 2,802 |
| Return on assets (ROA) | 1.5010% | 854 |
| Pretax return on assets | 1.9013% | 569 |
| Return on Equity (ROE) | 11.1440% | 1,375 |
| Retained earnings to average equity (ytd only) | 7.8937% | 1,257 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9904% | 1,939 |
| Assets per employee ($millions) | 4.2552% | 3,588 |
| Cash dividends to net income (ytd only)* | 29.1667% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8657% | 170 |
| Loan loss allowance to noncurrent loans | 242.3181% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 1.6168% | 629 |
| Noncurrent loans to loans | 1.1826% | 1,391 |
| Net loans and leases to total assets | 47.7408% | 4,350 |
| Net loans and leases to deposits | 55.4904% | 4,387 |
| Net loans and leases to core deposits | 55.6556% | 4,508 |
| Total domestic deposits to total assets | 86.0343% | 1,990 |
| Equity capital to assets | 13.6178% | 1,172 |
| Core capital (leverage) ratio | 13.7442% | 971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4021% | 535 |
| Memoranda: | ||
| Average total assets | $63,957,000 | 4,501 |
| Average earning assets | $58,770,000 | 4,502 |
| Average equity | $8,614,500 | 4,406 |
| Average total loans | $30,254,500 | 4,585 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1249% | 1,163 |
| Cost of funding earning assets | 0.6007% | 3,635 |
| Net interest margin | 4.5242% | 687 |
| Noninterest income to average assets | 0.9449% | 1,080 |
| Noninterest expense to average assets | 3.1727% | 1,586 |
| Loan and lease loss provision to assets | 0.4067% | 352 |
| Net operating income to assets | 1.2674% | 1,816 |
| Return on assets (ROA) | 1.2584% | 1,924 |
| Pretax return on assets | 1.4892% | 1,838 |
| Return on Equity (ROE) | 10.0063% | 2,294 |
| Retained earnings to average equity (ytd only) | 6.6020% | 1,562 |
| Net charge-offs to loans | 0.3386% | 603 |
| Credit loss provision to net charge-offs | 225.4237% | 1,186 |
| Earnings coverage of net charge-offs (x) | 10.5678% | 2,560 |
| Efficiency ratio | 62.4624% | 3,298 |
| Assets per employee ($millions) | 4.2724% | 3,544 |
| Cash dividends to net income (ytd only)* | 34.0219% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0853% | 117 |
| Loan loss allowance to noncurrent loans | 235.9580% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 1.6259% | 593 |
| Noncurrent loans to loans | 1.3076% | 1,150 |
| Net loans and leases to total assets | 44.0642% | 4,599 |
| Net loans and leases to deposits | 50.9913% | 4,649 |
| Net loans and leases to core deposits | 51.1409% | 4,729 |
| Total domestic deposits to total assets | 86.4151% | 1,880 |
| Equity capital to assets | 13.3212% | 1,356 |
| Core capital (leverage) ratio | 13.2344% | 1,143 |
| Tier 1 risk-based capital ratio | 23.5878% | 858 |
| Total risk-based capital ratio | 24.8533% | 846 |
| Memoranda: | ||
| Average total assets | $65,402,600 | 4,509 |
| Average earning assets | $59,767,400 | 4,518 |
| Average equity | $8,224,800 | 4,481 |
| Average total loans | $34,853,800 | 4,542 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1667% | 1,114 |
| Cost of funding earning assets | 0.5899% | 3,740 |
| Net interest margin | 4.5768% | 644 |
| Noninterest income to average assets | 0.6308% | 2,068 |
| Noninterest expense to average assets | 3.0162% | 1,930 |
| Loan and lease loss provision to assets | 0.1765% | 1,042 |
| Net operating income to assets | 1.2477% | 2,025 |
| Return on assets (ROA) | 1.2637% | 2,050 |
| Pretax return on assets | 1.6288% | 1,532 |
| Return on Equity (ROE) | 10.1961% | 2,354 |
| Retained earnings to average equity (ytd only) | 6.7591% | 1,974 |
| Net charge-offs to loans | 0.1617% | 1,037 |
| Credit loss provision to net charge-offs | 197.7273% | 1,325 |
| Earnings coverage of net charge-offs (x) | 19.9983% | 1,979 |
| Efficiency ratio | 62.8221% | 3,194 |
| Assets per employee ($millions) | 4.4217% | 3,315 |
| Cash dividends to net income (ytd only)* | 33.7073% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9401% | 523 |
| Loan loss allowance to noncurrent loans | 73.5622% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 2.6219% | 244 |
| Noncurrent loans to loans | 2.6373% | 418 |
| Net loans and leases to total assets | 60.4318% | 3,638 |
| Net loans and leases to deposits | 69.4915% | 3,800 |
| Net loans and leases to core deposits | 74.9098% | 3,769 |
| Total domestic deposits to total assets | 86.9629% | 1,540 |
| Equity capital to assets | 12.7115% | 1,780 |
| Core capital (leverage) ratio | 12.6062% | 1,525 |
| Tier 1 risk-based capital ratio | 20.5462% | 1,272 |
| Total risk-based capital ratio | 21.8059% | 1,242 |
| Memoranda: | ||
| Average total assets | $65,731,750 | 4,561 |
| Average earning assets | $59,895,000 | 4,572 |
| Average equity | $8,146,750 | 4,539 |
| Average total loans | $36,282,750 | 4,553 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0272% | 1,404 |
| Cost of funding earning assets | 0.5336% | 3,961 |
| Net interest margin | 4.4936% | 781 |
| Noninterest income to average assets | 0.8148% | 1,298 |
| Noninterest expense to average assets | 3.0091% | 1,982 |
| Loan and lease loss provision to assets | 0.1343% | 1,378 |
| Net operating income to assets | 1.3881% | 1,464 |
| Return on assets (ROA) | 1.3978% | 1,502 |
| Pretax return on assets | 1.7701% | 1,118 |
| Return on Equity (ROE) | 11.3761% | 1,836 |
| Retained earnings to average equity (ytd only) | 7.8987% | 1,436 |
| Net charge-offs to loans | 0.2532% | 663 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 14.0909% | 2,062 |
| Efficiency ratio | 61.3948% | 3,526 |
| Assets per employee ($millions) | 4.7193% | 2,847 |
| Cash dividends to net income (ytd only)* | 30.5677% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0020% | 476 |
| Loan loss allowance to noncurrent loans | 69.7674% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 2.6275% | 270 |
| Noncurrent loans to loans | 2.8695% | 369 |
| Net loans and leases to total assets | 55.5668% | 4,101 |
| Net loans and leases to deposits | 63.7157% | 4,241 |
| Net loans and leases to core deposits | 68.6815% | 4,178 |
| Total domestic deposits to total assets | 87.2105% | 1,492 |
| Equity capital to assets | 12.5594% | 1,823 |
| Core capital (leverage) ratio | 12.6277% | 1,471 |
| Tier 1 risk-based capital ratio | 19.8452% | 1,380 |
| Total risk-based capital ratio | 21.1024% | 1,346 |
| Memoranda: | ||
| Average total assets | $65,533,670 | 4,599 |
| Average earning assets | $59,595,330 | 4,615 |
| Average equity | $8,052,000 | 4,576 |
| Average total loans | $34,752,000 | 4,631 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7575% | 2,040 |
| Cost of funding earning assets | 0.4758% | 4,180 |
| Net interest margin | 4.2818% | 1,128 |
| Noninterest income to average assets | 1.3974% | 441 |
| Noninterest expense to average assets | 3.0276% | 1,912 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7528% | 653 |
| Return on assets (ROA) | 1.7528% | 672 |
| Pretax return on assets | 2.2309% | 416 |
| Return on Equity (ROE) | 14.4280% | 870 |
| Retained earnings to average equity (ytd only) | 10.8967% | 824 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5758% | 4,139 |
| Assets per employee ($millions) | 4.5992% | 3,044 |
| Cash dividends to net income (ytd only)* | 24.4755% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2778% | 309 |
| Loan loss allowance to noncurrent loans | 74.0375% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 2.5998% | 284 |
| Noncurrent loans to loans | 3.0766% | 347 |
| Net loans and leases to total assets | 49.9713% | 4,474 |
| Net loans and leases to deposits | 57.2996% | 4,534 |
| Net loans and leases to core deposits | 59.4179% | 4,594 |
| Total domestic deposits to total assets | 87.2105% | 1,711 |
| Equity capital to assets | 12.5767% | 1,691 |
| Core capital (leverage) ratio | 12.6202% | 1,446 |
| Tier 1 risk-based capital ratio | 19.5952% | 1,423 |
| Total risk-based capital ratio | 20.8500% | 1,394 |
| Memoranda: | ||
| Average total assets | $65,265,500 | 4,650 |
| Average earning assets | $58,854,000 | 4,675 |
| Average equity | $7,929,000 | 4,621 |
| Average total loans | $33,396,500 | 4,720 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8613% | 1,388 |
| Cost of funding earning assets | 0.4066% | 3,949 |
| Net interest margin | 4.4547% | 829 |
| Noninterest income to average assets | 0.6368% | 2,117 |
| Noninterest expense to average assets | 3.1707% | 1,629 |
| Loan and lease loss provision to assets | 0.2802% | 593 |
| Net operating income to assets | 1.1771% | 2,280 |
| Return on assets (ROA) | 1.1898% | 2,219 |
| Pretax return on assets | 1.2707% | 2,612 |
| Return on Equity (ROE) | 10.9857% | 2,084 |
| Retained earnings to average equity (ytd only) | 10.9857% | 442 |
| Net charge-offs to loans | 0.0789% | 1,999 |
| Credit loss provision to net charge-offs | 667.8571% | 519 |
| Earnings coverage of net charge-offs (x) | 36.6429% | 1,412 |
| Efficiency ratio | 67.3456% | 2,650 |
| Assets per employee ($millions) | 4.7244% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2145% | 326 |
| Loan loss allowance to noncurrent loans | 81.5217% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 2.6836% | 267 |
| Noncurrent loans to loans | 2.7165% | 412 |
| Net loans and leases to total assets | 50.0695% | 4,514 |
| Net loans and leases to deposits | 56.7529% | 4,632 |
| Net loans and leases to core deposits | 58.7671% | 4,677 |
| Total domestic deposits to total assets | 88.2238% | 1,199 |
| Equity capital to assets | 11.7323% | 2,075 |
| Core capital (leverage) ratio | 11.7834% | 1,888 |
| Tier 1 risk-based capital ratio | 19.4743% | 1,410 |
| Total risk-based capital ratio | 20.7308% | 1,376 |
| Memoranda: | ||
| Average total assets | $66,736,000 | 4,636 |
| Average earning assets | $60,991,400 | 4,650 |
| Average equity | $7,227,600 | 4,718 |
| Average total loans | $35,469,400 | 4,673 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7232% | 1,607 |
| Cost of funding earning assets | 0.3770% | 4,008 |
| Net interest margin | 4.3462% | 1,019 |
| Noninterest income to average assets | 0.7136% | 1,819 |
| Noninterest expense to average assets | 3.0201% | 1,956 |
| Loan and lease loss provision to assets | 0.2731% | 555 |
| Net operating income to assets | 1.0686% | 2,790 |
| Return on assets (ROA) | 1.0765% | 2,770 |
| Pretax return on assets | 1.4293% | 2,119 |
| Return on Equity (ROE) | 10.1484% | 2,555 |
| Retained earnings to average equity (ytd only) | 10.1484% | 877 |
| Net charge-offs to loans | 0.1041% | 1,444 |
| Credit loss provision to net charge-offs | 489.2857% | 724 |
| Earnings coverage of net charge-offs (x) | 30.3233% | 1,596 |
| Efficiency ratio | 64.0863% | 3,169 |
| Assets per employee ($millions) | 5.1291% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 1,160 |
| Loan loss allowance to noncurrent loans | 72.1649% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 2.5415% | 335 |
| Noncurrent loans to loans | 2.1675% | 659 |
| Net loans and leases to total assets | 61.3469% | 3,714 |
| Net loans and leases to deposits | 76.6975% | 3,352 |
| Net loans and leases to core deposits | 79.4660% | 3,538 |
| Total domestic deposits to total assets | 79.9855% | 4,127 |
| Equity capital to assets | 10.3067% | 3,325 |
| Core capital (leverage) ratio | 10.8961% | 2,679 |
| Tier 1 risk-based capital ratio | 16.7219% | 2,197 |
| Total risk-based capital ratio | 17.9742% | 2,142 |
| Memoranda: | ||
| Average total assets | $66,884,500 | 4,685 |
| Average earning assets | $61,538,750 | 4,684 |
| Average equity | $7,094,500 | 4,781 |
| Average total loans | $35,870,000 | 4,711 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4353% | 2,302 |
| Cost of funding earning assets | 0.3166% | 4,296 |
| Net interest margin | 4.1187% | 1,493 |
| Noninterest income to average assets | 0.2636% | 4,424 |
| Noninterest expense to average assets | 2.9796% | 2,098 |
| Loan and lease loss provision to assets | 0.4200% | 285 |
| Net operating income to assets | 0.4403% | 4,874 |
| Return on assets (ROA) | 0.4476% | 4,866 |
| Pretax return on assets | 0.6621% | 4,612 |
| Return on Equity (ROE) | 4.1760% | 4,774 |
| Retained earnings to average equity (ytd only) | 4.1760% | 3,523 |
| Net charge-offs to loans | 0.1702% | 918 |
| Credit loss provision to net charge-offs | 489.2857% | 723 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 2,201 |
| Efficiency ratio | 73.5250% | 1,780 |
| Assets per employee ($millions) | 4.7732% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8145% | 737 |
| Loan loss allowance to noncurrent loans | 190.2174% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 1.8227% | 635 |
| Noncurrent loans to loans | 0.9539% | 1,820 |
| Net loans and leases to total assets | 56.6839% | 4,105 |
| Net loans and leases to deposits | 63.4255% | 4,323 |
| Net loans and leases to core deposits | 68.3477% | 4,234 |
| Total domestic deposits to total assets | 89.3707% | 781 |
| Equity capital to assets | 10.5559% | 3,067 |
| Core capital (leverage) ratio | 10.9751% | 2,549 |
| Tier 1 risk-based capital ratio | 15.8231% | 2,500 |
| Total risk-based capital ratio | 17.0765% | 2,444 |
| Memoranda: | ||
| Average total assets | $65,243,330 | 4,768 |
| Average earning assets | $60,018,670 | 4,763 |
| Average equity | $6,992,330 | 4,846 |
| Average total loans | $32,909,330 | 4,840 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 3,079 |
| Cost of funding earning assets | 0.2771% | 4,529 |
| Net interest margin | 3.8660% | 2,169 |
| Noninterest income to average assets | 0.2607% | 4,433 |
| Noninterest expense to average assets | 3.0844% | 1,869 |
| Loan and lease loss provision to assets | 0.3103% | 413 |
| Net operating income to assets | 0.2894% | 5,113 |
| Return on assets (ROA) | 0.3041% | 5,091 |
| Pretax return on assets | 0.4344% | 4,980 |
| Return on Equity (ROE) | 2.8155% | 5,057 |
| Retained earnings to average equity (ytd only) | 2.8155% | 4,065 |
| Net charge-offs to loans | 0.3724% | 422 |
| Credit loss provision to net charge-offs | 178.5714% | 1,122 |
| Earnings coverage of net charge-offs (x) | 4.1786% | 2,323 |
| Efficiency ratio | 80.9446% | 1,047 |
| Assets per employee ($millions) | 4.3030% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1305% | 435 |
| Loan loss allowance to noncurrent loans | 163.9037% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 1.5958% | 851 |
| Noncurrent loans to loans | 1.2998% | 1,379 |
| Net loans and leases to total assets | 43.6285% | 4,912 |
| Net loans and leases to deposits | 48.9161% | 5,011 |
| Net loans and leases to core deposits | 50.9517% | 5,015 |
| Total domestic deposits to total assets | 89.1905% | 1,012 |
| Equity capital to assets | 10.7770% | 2,796 |
| Core capital (leverage) ratio | 11.1753% | 2,263 |
| Tier 1 risk-based capital ratio | 18.6922% | 1,634 |
| Total risk-based capital ratio | 19.9453% | 1,592 |
| Memoranda: | ||
| Average total assets | $64,452,500 | 4,841 |
| Average earning assets | $59,182,000 | 4,845 |
| Average equity | $6,961,500 | 4,900 |
| Average total loans | $30,074,500 | 4,974 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2738% | 2,417 |
| Cost of funding earning assets | 0.2654% | 4,431 |
| Net interest margin | 4.0083% | 1,722 |
| Noninterest income to average assets | 0.3425% | 4,016 |
| Noninterest expense to average assets | 3.1838% | 1,646 |
| Loan and lease loss provision to assets | 0.2811% | 631 |
| Net operating income to assets | 0.5027% | 4,370 |
| Return on assets (ROA) | 0.5437% | 4,281 |
| Pretax return on assets | 0.6113% | 4,719 |
| Return on Equity (ROE) | 5.1137% | 4,118 |
| Retained earnings to average equity (ytd only) | 1.0690% | 4,605 |
| Net charge-offs to loans | 0.2965% | 878 |
| Credit loss provision to net charge-offs | 188.6598% | 1,444 |
| Earnings coverage of net charge-offs (x) | 5.6804% | 3,290 |
| Efficiency ratio | 79.0015% | 1,221 |
| Assets per employee ($millions) | 4.2907% | 3,501 |
| Cash dividends to net income (ytd only)* | 79.0960% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8836% | 666 |
| Loan loss allowance to noncurrent loans | 129.8901% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 1.7262% | 735 |
| Noncurrent loans to loans | 1.4502% | 1,180 |
| Net loans and leases to total assets | 47.8325% | 4,777 |
| Net loans and leases to deposits | 53.7241% | 4,910 |
| Net loans and leases to core deposits | 54.2486% | 4,994 |
| Total domestic deposits to total assets | 89.0336% | 987 |
| Equity capital to assets | 10.8250% | 2,813 |
| Core capital (leverage) ratio | 10.7624% | 2,576 |
| Tier 1 risk-based capital ratio | 19.4373% | 1,425 |
| Total risk-based capital ratio | 20.6920% | 1,398 |
| Memoranda: | ||
| Average total assets | $65,110,800 | 4,861 |
| Average earning assets | $59,900,000 | 4,859 |
| Average equity | $6,922,600 | 4,954 |
| Average total loans | $32,717,200 | 4,935 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2062% | 2,589 |
| Cost of funding earning assets | 0.2634% | 4,447 |
| Net interest margin | 3.9427% | 1,882 |
| Noninterest income to average assets | 0.2634% | 4,625 |
| Noninterest expense to average assets | 3.1057% | 1,783 |
| Loan and lease loss provision to assets | 0.3737% | 389 |
| Net operating income to assets | 0.2467% | 5,303 |
| Return on assets (ROA) | 0.2859% | 5,265 |
| Pretax return on assets | 0.4819% | 5,069 |
| Return on Equity (ROE) | 2.7007% | 5,177 |
| Retained earnings to average equity (ytd only) | -1.3504% | 5,379 |
| Net charge-offs to loans | 0.4276% | 492 |
| Credit loss provision to net charge-offs | 172.6415% | 1,517 |
| Earnings coverage of net charge-offs (x) | 3.6698% | 3,312 |
| Efficiency ratio | 79.6335% | 1,150 |
| Assets per employee ($millions) | 4.4909% | 3,165 |
| Cash dividends to net income (ytd only)* | 150.0000% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 1,808 |
| Loan loss allowance to noncurrent loans | 154.7872% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 1.5320% | 981 |
| Noncurrent loans to loans | 0.9174% | 2,094 |
| Net loans and leases to total assets | 59.9810% | 3,867 |
| Net loans and leases to deposits | 71.6744% | 3,807 |
| Net loans and leases to core deposits | 72.7114% | 4,088 |
| Total domestic deposits to total assets | 83.6854% | 3,234 |
| Equity capital to assets | 10.2430% | 3,647 |
| Core capital (leverage) ratio | 10.1996% | 3,315 |
| Tier 1 risk-based capital ratio | 17.1250% | 2,123 |
| Total risk-based capital ratio | 18.3767% | 2,081 |
| Memoranda: | ||
| Average total assets | $65,298,500 | 4,912 |
| Average earning assets | $60,227,500 | 4,906 |
| Average equity | $6,911,500 | 5,009 |
| Average total loans | $33,052,500 | 4,969 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8081% | 3,860 |
| Cost of funding earning assets | 0.2270% | 4,746 |
| Net interest margin | 3.5812% | 3,105 |
| Noninterest income to average assets | 0.2662% | 4,634 |
| Noninterest expense to average assets | 3.1357% | 1,751 |
| Loan and lease loss provision to assets | 0.1083% | 1,882 |
| Net operating income to assets | 0.2075% | 5,387 |
| Return on assets (ROA) | 0.2353% | 5,363 |
| Pretax return on assets | 0.3869% | 5,193 |
| Return on Equity (ROE) | 2.1980% | 5,309 |
| Retained earnings to average equity (ytd only) | -1.8510% | 5,335 |
| Net charge-offs to loans | 0.0526% | 2,173 |
| Credit loss provision to net charge-offs | 437.5000% | 736 |
| Earnings coverage of net charge-offs (x) | 18.2500% | 1,893 |
| Efficiency ratio | 87.4029% | 585 |
| Assets per employee ($millions) | 4.3547% | 3,337 |
| Cash dividends to net income (ytd only)* | 184.2105% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 1,951 |
| Loan loss allowance to noncurrent loans | 102.5048% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 1.8279% | 751 |
| Noncurrent loans to loans | 1.3660% | 1,417 |
| Net loans and leases to total assets | 57.3522% | 4,091 |
| Net loans and leases to deposits | 64.6382% | 4,331 |
| Net loans and leases to core deposits | 65.5475% | 4,499 |
| Total domestic deposits to total assets | 88.7280% | 1,094 |
| Equity capital to assets | 10.6122% | 3,211 |
| Core capital (leverage) ratio | 10.7983% | 2,600 |
| Tier 1 risk-based capital ratio | 19.5702% | 1,457 |
| Total risk-based capital ratio | 20.8220% | 1,413 |
| Memoranda: | ||
| Average total assets | $64,610,330 | 4,962 |
| Average earning assets | $59,924,330 | 4,950 |
| Average equity | $6,915,330 | 5,037 |
| Average total loans | $30,407,670 | 5,100 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4723% | 4,772 |
| Cost of funding earning assets | 0.2292% | 4,727 |
| Net interest margin | 3.2430% | 4,206 |
| Noninterest income to average assets | 0.2739% | 4,584 |
| Noninterest expense to average assets | 3.1126% | 1,832 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1056% | 5,507 |
| Return on assets (ROA) | 0.1183% | 5,501 |
| Pretax return on assets | 0.1743% | 5,460 |
| Return on Equity (ROE) | 1.1003% | 5,475 |
| Retained earnings to average equity (ytd only) | -2.9535% | 5,257 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2381% | 340 |
| Assets per employee ($millions) | 4.2806% | 3,529 |
| Cash dividends to net income (ytd only)* | 368.4211% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9019% | 789 |
| Loan loss allowance to noncurrent loans | 179.0780% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 1.4920% | 1,078 |
| Noncurrent loans to loans | 1.0621% | 1,927 |
| Net loans and leases to total assets | 40.5660% | 5,228 |
| Net loans and leases to deposits | 45.5439% | 5,314 |
| Net loans and leases to core deposits | 46.1925% | 5,363 |
| Total domestic deposits to total assets | 89.0701% | 1,111 |
| Equity capital to assets | 10.7851% | 2,872 |
| Core capital (leverage) ratio | 10.9362% | 2,430 |
| Tier 1 risk-based capital ratio | 22.9904% | 980 |
| Total risk-based capital ratio | 24.2438% | 960 |
| Memoranda: | ||
| Average total assets | $64,255,000 | 5,027 |
| Average earning assets | $59,327,500 | 5,018 |
| Average equity | $6,907,000 | 5,081 |
| Average total loans | $26,614,000 | 5,254 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 3,207 |
| Cost of funding earning assets | 0.2368% | 4,685 |
| Net interest margin | 3.7598% | 2,471 |
| Noninterest income to average assets | 0.6621% | 2,357 |
| Noninterest expense to average assets | 3.2522% | 1,680 |
| Loan and lease loss provision to assets | 0.1475% | 1,690 |
| Net operating income to assets | 0.5900% | 4,257 |
| Return on assets (ROA) | 0.6699% | 4,025 |
| Pretax return on assets | 0.8801% | 3,912 |
| Return on Equity (ROE) | 6.1058% | 3,923 |
| Retained earnings to average equity (ytd only) | 2.1020% | 4,341 |
| Net charge-offs to loans | 0.6455% | 343 |
| Credit loss provision to net charge-offs | 46.0784% | 3,426 |
| Earnings coverage of net charge-offs (x) | 2.8824% | 3,752 |
| Efficiency ratio | 77.9030% | 1,707 |
| Assets per employee ($millions) | 4.2867% | 3,457 |
| Cash dividends to net income (ytd only)* | 65.5738% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8931% | 814 |
| Loan loss allowance to noncurrent loans | 177.1930% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 1.4634% | 1,155 |
| Noncurrent loans to loans | 1.0684% | 1,940 |
| Net loans and leases to total assets | 40.7008% | 5,287 |
| Net loans and leases to deposits | 45.6697% | 5,379 |
| Net loans and leases to core deposits | 46.3187% | 5,418 |
| Total domestic deposits to total assets | 89.1199% | 1,053 |
| Equity capital to assets | 10.7137% | 2,908 |
| Core capital (leverage) ratio | 10.6866% | 2,672 |
| Tier 1 risk-based capital ratio | 23.1507% | 956 |
| Total risk-based capital ratio | 24.4039% | 937 |
| Memoranda: | ||
| Average total assets | $63,740,800 | 5,056 |
| Average earning assets | $59,551,200 | 5,030 |
| Average equity | $6,993,400 | 5,090 |
| Average total loans | $31,604,800 | 5,147 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0326% | 3,097 |
| Cost of funding earning assets | 0.2369% | 4,730 |
| Net interest margin | 3.7956% | 2,349 |
| Noninterest income to average assets | 0.8092% | 1,722 |
| Noninterest expense to average assets | 3.2116% | 1,749 |
| Loan and lease loss provision to assets | 0.1467% | 1,602 |
| Net operating income to assets | 0.6550% | 4,057 |
| Return on assets (ROA) | 0.7463% | 3,751 |
| Pretax return on assets | 1.1509% | 3,044 |
| Return on Equity (ROE) | 6.7619% | 3,686 |
| Retained earnings to average equity (ytd only) | 2.7731% | 4,228 |
| Net charge-offs to loans | 0.1259% | 1,704 |
| Credit loss provision to net charge-offs | 225.8065% | 1,305 |
| Earnings coverage of net charge-offs (x) | 17.8074% | 2,036 |
| Efficiency ratio | 73.5125% | 2,369 |
| Assets per employee ($millions) | 4.3519% | 3,327 |
| Cash dividends to net income (ytd only)* | 58.9887% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6751% | 1,272 |
| Loan loss allowance to noncurrent loans | 65.0099% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 1.5411% | 1,146 |
| Noncurrent loans to loans | 2.5766% | 666 |
| Net loans and leases to total assets | 58.8085% | 4,013 |
| Net loans and leases to deposits | 69.0363% | 4,060 |
| Net loans and leases to core deposits | 70.0465% | 4,321 |
| Total domestic deposits to total assets | 85.1849% | 2,725 |
| Equity capital to assets | 10.8275% | 3,221 |
| Core capital (leverage) ratio | 10.8896% | 2,579 |
| Tier 1 risk-based capital ratio | 20.1014% | 1,429 |
| Total risk-based capital ratio | 21.3586% | 1,386 |
| Memoranda: | ||
| Average total assets | $63,600,750 | 5,105 |
| Average earning assets | $59,645,750 | 5,072 |
| Average equity | $7,019,500 | 5,137 |
| Average total loans | $32,837,000 | 5,155 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7964% | 3,965 |
| Cost of funding earning assets | 0.2263% | 4,880 |
| Net interest margin | 3.5701% | 3,208 |
| Noninterest income to average assets | 1.1040% | 918 |
| Noninterest expense to average assets | 3.2550% | 1,682 |
| Loan and lease loss provision to assets | 0.2221% | 934 |
| Net operating income to assets | 0.6106% | 4,221 |
| Return on assets (ROA) | 0.6472% | 4,195 |
| Pretax return on assets | 1.0374% | 3,448 |
| Return on Equity (ROE) | 5.8258% | 4,123 |
| Retained earnings to average equity (ytd only) | 1.8277% | 4,639 |
| Net charge-offs to loans | 0.1690% | 1,324 |
| Credit loss provision to net charge-offs | 269.2308% | 1,047 |
| Earnings coverage of net charge-offs (x) | 14.5769% | 2,052 |
| Efficiency ratio | 73.0249% | 2,516 |
| Assets per employee ($millions) | 4.2439% | 3,475 |
| Cash dividends to net income (ytd only)* | 68.6275% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9057% | 887 |
| Loan loss allowance to noncurrent loans | 46.5724% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 2.2228% | 685 |
| Noncurrent loans to loans | 4.0918% | 279 |
| Net loans and leases to total assets | 53.2870% | 4,567 |
| Net loans and leases to deposits | 62.2548% | 4,636 |
| Net loans and leases to core deposits | 62.8919% | 4,817 |
| Total domestic deposits to total assets | 85.5951% | 2,611 |
| Equity capital to assets | 11.0935% | 2,953 |
| Core capital (leverage) ratio | 12.8130% | 1,224 |
| Tier 1 risk-based capital ratio | 21.1492% | 1,249 |
| Total risk-based capital ratio | 22.4082% | 1,230 |
| Memoranda: | ||
| Average total assets | $63,041,670 | 5,172 |
| Average earning assets | $59,213,670 | 5,135 |
| Average equity | $7,003,330 | 5,193 |
| Average total loans | $30,768,330 | 5,273 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5603% | 4,734 |
| Cost of funding earning assets | 0.2246% | 4,951 |
| Net interest margin | 3.3357% | 4,091 |
| Noninterest income to average assets | 1.9766% | 343 |
| Noninterest expense to average assets | 3.2583% | 1,700 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2779% | 1,314 |
| Return on assets (ROA) | 1.3263% | 1,278 |
| Pretax return on assets | 1.9129% | 673 |
| Return on Equity (ROE) | 11.9300% | 1,332 |
| Retained earnings to average equity (ytd only) | 7.9151% | 1,494 |
| Net charge-offs to loans | 0.3603% | 614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 11.1154% | 1,880 |
| Efficiency ratio | 63.8750% | 4,146 |
| Assets per employee ($millions) | 4.2305% | 3,535 |
| Cash dividends to net income (ytd only)* | 33.6538% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1640% | 622 |
| Loan loss allowance to noncurrent loans | 60.0408% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.5459% | 1,303 |
| Noncurrent loans to loans | 3.6042% | 374 |
| Net loans and leases to total assets | 41.9638% | 5,354 |
| Net loans and leases to deposits | 47.3750% | 5,451 |
| Net loans and leases to core deposits | 47.8448% | 5,514 |
| Total domestic deposits to total assets | 88.5781% | 1,317 |
| Equity capital to assets | 11.1461% | 2,776 |
| Core capital (leverage) ratio | 11.1974% | 2,223 |
| Tier 1 risk-based capital ratio | 22.6673% | 1,060 |
| Total risk-based capital ratio | 23.9250% | 1,033 |
| Memoranda: | ||
| Average total assets | $62,733,000 | 5,227 |
| Average earning assets | $58,759,000 | 5,193 |
| Average equity | $6,974,000 | 5,237 |
| Average total loans | $28,862,000 | 5,380 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1400% | 2,774 |
| Cost of funding earning assets | 0.2319% | 4,991 |
| Net interest margin | 3.9081% | 2,004 |
| Noninterest income to average assets | 0.2685% | 4,951 |
| Noninterest expense to average assets | 3.0392% | 2,418 |
| Loan and lease loss provision to assets | 0.1576% | 1,477 |
| Net operating income to assets | 0.4630% | 4,838 |
| Return on assets (ROA) | 0.4744% | 4,873 |
| Pretax return on assets | 0.7477% | 4,374 |
| Return on Equity (ROE) | 4.3644% | 4,799 |
| Retained earnings to average equity (ytd only) | 3.3288% | 3,684 |
| Net charge-offs to loans | 0.0278% | 3,672 |
| Credit loss provision to net charge-offs | 1,088.8889% | 310 |
| Earnings coverage of net charge-offs (x) | 61.3333% | 855 |
| Efficiency ratio | 77.3956% | 2,062 |
| Assets per employee ($millions) | 4.1339% | 3,687 |
| Cash dividends to net income (ytd only)* | 23.7288% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0160% | 781 |
| Loan loss allowance to noncurrent loans | 72.5236% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 1.3788% | 1,520 |
| Noncurrent loans to loans | 2.7798% | 622 |
| Net loans and leases to total assets | 48.2043% | 4,999 |
| Net loans and leases to deposits | 54.2526% | 5,151 |
| Net loans and leases to core deposits | 54.8006% | 5,268 |
| Total domestic deposits to total assets | 88.8516% | 1,201 |
| Equity capital to assets | 11.0871% | 2,735 |
| Core capital (leverage) ratio | 11.2492% | 2,159 |
| Tier 1 risk-based capital ratio | 17.7942% | 2,024 |
| Total risk-based capital ratio | 19.0479% | 1,969 |
| Memoranda: | ||
| Average total assets | $62,188,400 | 5,271 |
| Average earning assets | $58,212,200 | 5,234 |
| Average equity | $6,759,200 | 5,288 |
| Average total loans | $32,378,800 | 5,282 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 2,903 |
| Cost of funding earning assets | 0.2356% | 5,034 |
| Net interest margin | 3.8727% | 2,120 |
| Noninterest income to average assets | 0.2742% | 4,977 |
| Noninterest expense to average assets | 2.9266% | 2,756 |
| Loan and lease loss provision to assets | 0.2100% | 933 |
| Net operating income to assets | 0.4520% | 4,963 |
| Return on assets (ROA) | 0.4670% | 5,007 |
| Pretax return on assets | 0.7884% | 4,371 |
| Return on Equity (ROE) | 4.3187% | 4,906 |
| Retained earnings to average equity (ytd only) | 2.9320% | 4,366 |
| Net charge-offs to loans | 0.0365% | 3,172 |
| Credit loss provision to net charge-offs | 1,088.8889% | 344 |
| Earnings coverage of net charge-offs (x) | 50.5542% | 1,040 |
| Efficiency ratio | 75.0137% | 2,400 |
| Assets per employee ($millions) | 4.2839% | 3,349 |
| Cash dividends to net income (ytd only)* | 32.1097% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6387% | 1,639 |
| Loan loss allowance to noncurrent loans | 106.2176% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.0987% | 2,156 |
| Noncurrent loans to loans | 1.5428% | 1,619 |
| Net loans and leases to total assets | 57.4465% | 4,206 |
| Net loans and leases to deposits | 66.6871% | 4,311 |
| Net loans and leases to core deposits | 67.3576% | 4,596 |
| Total domestic deposits to total assets | 86.1434% | 2,460 |
| Equity capital to assets | 10.6788% | 3,380 |
| Core capital (leverage) ratio | 10.9043% | 2,588 |
| Tier 1 risk-based capital ratio | 18.0402% | 2,014 |
| Total risk-based capital ratio | 19.2956% | 1,982 |
| Memoranda: | ||
| Average total assets | $62,233,250 | 5,332 |
| Average earning assets | $58,286,250 | 5,298 |
| Average equity | $6,730,250 | 5,360 |
| Average total loans | $32,847,000 | 5,327 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8260% | 3,969 |
| Cost of funding earning assets | 0.2322% | 5,120 |
| Net interest margin | 3.5938% | 3,115 |
| Noninterest income to average assets | 0.2762% | 4,974 |
| Noninterest expense to average assets | 2.9176% | 2,827 |
| Loan and lease loss provision to assets | 0.1170% | 1,898 |
| Net operating income to assets | 0.3767% | 5,211 |
| Return on assets (ROA) | 0.3996% | 5,245 |
| Pretax return on assets | 0.6465% | 4,833 |
| Return on Equity (ROE) | 3.6791% | 5,148 |
| Retained earnings to average equity (ytd only) | 1.5853% | 4,908 |
| Net charge-offs to loans | 0.0320% | 3,021 |
| Credit loss provision to net charge-offs | 720.0000% | 471 |
| Earnings coverage of net charge-offs (x) | 44.8000% | 1,037 |
| Efficiency ratio | 80.0357% | 1,757 |
| Assets per employee ($millions) | 4.0401% | 3,802 |
| Cash dividends to net income (ytd only)* | 56.9106% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5906% | 1,940 |
| Loan loss allowance to noncurrent loans | 232.6360% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 3,607 |
| Noncurrent loans to loans | 0.6837% | 3,438 |
| Net loans and leases to total assets | 56.7647% | 4,247 |
| Net loans and leases to deposits | 63.8883% | 4,552 |
| Net loans and leases to core deposits | 64.5476% | 4,772 |
| Total domestic deposits to total assets | 88.8500% | 1,221 |
| Equity capital to assets | 11.0807% | 2,807 |
| Core capital (leverage) ratio | 10.9126% | 2,511 |
| Tier 1 risk-based capital ratio | 17.9347% | 2,076 |
| Total risk-based capital ratio | 19.1870% | 2,033 |
| Memoranda: | ||
| Average total assets | $61,558,330 | 5,405 |
| Average earning assets | $57,710,330 | 5,374 |
| Average equity | $6,686,330 | 5,417 |
| Average total loans | $31,286,330 | 5,422 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4899% | 5,002 |
| Cost of funding earning assets | 0.2336% | 5,180 |
| Net interest margin | 3.2563% | 4,396 |
| Noninterest income to average assets | 0.3159% | 4,661 |
| Noninterest expense to average assets | 2.9079% | 2,881 |
| Loan and lease loss provision to assets | 0.1032% | 1,977 |
| Net operating income to assets | 0.2128% | 5,655 |
| Return on assets (ROA) | 0.2128% | 5,745 |
| Pretax return on assets | 0.3611% | 5,514 |
| Return on Equity (ROE) | 1.9784% | 5,694 |
| Retained earnings to average equity (ytd only) | -2.2182% | 5,706 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2333% | 1,165 |
| Assets per employee ($millions) | 4.2188% | 3,527 |
| Cash dividends to net income (ytd only)* | 212.1212% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8935% | 1,300 |
| Loan loss allowance to noncurrent loans | 134.9127% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.8344% | 2,998 |
| Noncurrent loans to loans | 1.4035% | 2,045 |
| Net loans and leases to total assets | 44.2938% | 5,330 |
| Net loans and leases to deposits | 49.6317% | 5,483 |
| Net loans and leases to core deposits | 49.8968% | 5,595 |
| Total domestic deposits to total assets | 89.2450% | 1,120 |
| Equity capital to assets | 10.5844% | 3,449 |
| Core capital (leverage) ratio | 10.6396% | 2,807 |
| Tier 1 risk-based capital ratio | 18.9080% | 1,896 |
| Total risk-based capital ratio | 20.1608% | 1,860 |
| Memoranda: | ||
| Average total assets | $62,037,000 | 5,450 |
| Average earning assets | $58,225,000 | 5,409 |
| Average equity | $6,672,000 | 5,469 |
| Average total loans | $29,451,500 | 5,542 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3769% | 2,296 |
| Cost of funding earning assets | 0.2591% | 5,234 |
| Net interest margin | 4.1178% | 1,518 |
| Noninterest income to average assets | 0.3175% | 4,846 |
| Noninterest expense to average assets | 3.0897% | 2,554 |
| Loan and lease loss provision to assets | 0.1069% | 2,367 |
| Net operating income to assets | 0.6508% | 4,136 |
| Return on assets (ROA) | 0.6729% | 4,132 |
| Pretax return on assets | 0.9970% | 3,508 |
| Return on Equity (ROE) | 6.2336% | 4,031 |
| Retained earnings to average equity (ytd only) | 1.9661% | 4,812 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2586% | 2,796 |
| Assets per employee ($millions) | 3.5760% | 4,764 |
| Cash dividends to net income (ytd only)* | 68.4597% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7308% | 1,698 |
| Loan loss allowance to noncurrent loans | 95.9781% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.1087% | 2,534 |
| Noncurrent loans to loans | 1.8034% | 1,594 |
| Net loans and leases to total assets | 49.0311% | 5,062 |
| Net loans and leases to deposits | 55.1471% | 5,237 |
| Net loans and leases to core deposits | 55.4549% | 5,415 |
| Total domestic deposits to total assets | 88.9097% | 1,286 |
| Equity capital to assets | 10.9324% | 2,972 |
| Core capital (leverage) ratio | 10.6580% | 2,773 |
| Tier 1 risk-based capital ratio | 18.9625% | 1,858 |
| Total risk-based capital ratio | 20.2145% | 1,822 |
| Memoranda: | ||
| Average total assets | $60,782,400 | 5,529 |
| Average earning assets | $56,729,400 | 5,504 |
| Average equity | $6,561,200 | 5,506 |
| Average total loans | $33,008,400 | 5,446 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4494% | 2,051 |
| Cost of funding earning assets | 0.2657% | 5,251 |
| Net interest margin | 4.1836% | 1,341 |
| Noninterest income to average assets | 0.3115% | 4,952 |
| Noninterest expense to average assets | 2.9614% | 2,928 |
| Loan and lease loss provision to assets | 0.1426% | 1,760 |
| Net operating income to assets | 0.6735% | 4,088 |
| Return on assets (ROA) | 0.6932% | 4,069 |
| Pretax return on assets | 1.1407% | 3,030 |
| Return on Equity (ROE) | 6.4422% | 4,010 |
| Retained earnings to average equity (ytd only) | 2.1610% | 4,978 |
| Net charge-offs to loans | -0.0752% | 6,051 |
| Credit loss provision to net charge-offs | -342.1053% | 5,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2759% | 3,463 |
| Assets per employee ($millions) | 3.5531% | 4,765 |
| Cash dividends to net income (ytd only)* | 66.4554% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 3,219 |
| Loan loss allowance to noncurrent loans | 125.6351% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.7169% | 3,668 |
| Noncurrent loans to loans | 1.1077% | 2,854 |
| Net loans and leases to total assets | 63.8141% | 3,206 |
| Net loans and leases to deposits | 71.8480% | 3,698 |
| Net loans and leases to core deposits | 72.2520% | 4,126 |
| Total domestic deposits to total assets | 88.8183% | 1,344 |
| Equity capital to assets | 10.9980% | 2,958 |
| Core capital (leverage) ratio | 10.9611% | 2,525 |
| Tier 1 risk-based capital ratio | 17.0150% | 2,613 |
| Total risk-based capital ratio | 18.2656% | 2,568 |
| Memoranda: | ||
| Average total assets | $60,780,000 | 5,590 |
| Average earning assets | $56,695,500 | 5,551 |
| Average equity | $6,540,000 | 5,565 |
| Average total loans | $33,677,500 | 5,465 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0787% | 3,433 |
| Cost of funding earning assets | 0.2630% | 5,358 |
| Net interest margin | 3.8156% | 2,507 |
| Noninterest income to average assets | 0.3054% | 4,960 |
| Noninterest expense to average assets | 2.9258% | 3,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5919% | 4,396 |
| Return on assets (ROA) | 0.6108% | 4,398 |
| Pretax return on assets | 0.9818% | 3,548 |
| Return on Equity (ROE) | 5.7181% | 4,316 |
| Retained earnings to average equity (ytd only) | 1.4142% | 5,175 |
| Net charge-offs to loans | -0.3075% | 6,438 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4445% | 2,736 |
| Assets per employee ($millions) | 3.5655% | 4,730 |
| Cash dividends to net income (ytd only)* | 75.2688% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 3,584 |
| Loan loss allowance to noncurrent loans | 114.3820% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.7342% | 3,769 |
| Noncurrent loans to loans | 1.1805% | 2,872 |
| Net loans and leases to total assets | 61.3489% | 3,515 |
| Net loans and leases to deposits | 68.9907% | 3,940 |
| Net loans and leases to core deposits | 69.3769% | 4,329 |
| Total domestic deposits to total assets | 88.9234% | 1,400 |
| Equity capital to assets | 10.8770% | 3,004 |
| Core capital (leverage) ratio | 10.6983% | 2,724 |
| Tier 1 risk-based capital ratio | 18.1093% | 2,201 |
| Total risk-based capital ratio | 19.3589% | 2,169 |
| Memoranda: | ||
| Average total assets | $60,906,000 | 5,636 |
| Average earning assets | $57,028,670 | 5,586 |
| Average equity | $6,505,670 | 5,599 |
| Average total loans | $31,873,670 | 5,584 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7379% | 4,715 |
| Cost of funding earning assets | 0.2725% | 5,361 |
| Net interest margin | 3.4654% | 3,837 |
| Noninterest income to average assets | 0.3276% | 4,749 |
| Noninterest expense to average assets | 2.8959% | 3,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3472% | 5,323 |
| Return on assets (ROA) | 0.3472% | 5,382 |
| Pretax return on assets | 0.6814% | 4,552 |
| Return on Equity (ROE) | 3.2807% | 5,352 |
| Retained earnings to average equity (ytd only) | -1.0523% | 5,737 |
| Net charge-offs to loans | -0.7320% | 6,602 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9524% | 2,058 |
| Assets per employee ($millions) | 4.1813% | 3,568 |
| Cash dividends to net income (ytd only)* | 132.0755% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7594% | 2,156 |
| Loan loss allowance to noncurrent loans | 109.6154% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.7462% | 3,886 |
| Noncurrent loans to loans | 1.6051% | 2,414 |
| Net loans and leases to total assets | 45.6696% | 5,360 |
| Net loans and leases to deposits | 51.0707% | 5,515 |
| Net loans and leases to core deposits | 51.3453% | 5,662 |
| Total domestic deposits to total assets | 89.4244% | 1,409 |
| Equity capital to assets | 10.3540% | 3,395 |
| Core capital (leverage) ratio | 10.5082% | 2,919 |
| Tier 1 risk-based capital ratio | 19.9558% | 1,734 |
| Total risk-based capital ratio | 21.2109% | 1,701 |
| Memoranda: | ||
| Average total assets | $61,052,000 | 5,681 |
| Average earning assets | $57,251,000 | 5,632 |
| Average equity | $6,462,000 | 5,645 |
| Average total loans | $28,963,000 | 5,750 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4360% | 2,446 |
| Cost of funding earning assets | 0.3277% | 5,349 |
| Net interest margin | 4.1083% | 1,616 |
| Noninterest income to average assets | 0.3170% | 5,068 |
| Noninterest expense to average assets | 3.1847% | 2,463 |
| Loan and lease loss provision to assets | 0.0839% | 3,441 |
| Net operating income to assets | 0.5947% | 4,288 |
| Return on assets (ROA) | 0.6322% | 4,216 |
| Pretax return on assets | 0.9073% | 3,736 |
| Return on Equity (ROE) | 5.8175% | 4,199 |
| Retained earnings to average equity (ytd only) | 1.4968% | 5,143 |
| Net charge-offs to loans | 0.0864% | 4,000 |
| Credit loss provision to net charge-offs | 185.1852% | 1,234 |
| Earnings coverage of net charge-offs (x) | 20.7037% | 1,534 |
| Efficiency ratio | 77.2579% | 2,580 |
| Assets per employee ($millions) | 3.4932% | 4,909 |
| Cash dividends to net income (ytd only)* | 74.2706% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5989% | 2,767 |
| Loan loss allowance to noncurrent loans | 101.3216% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.8218% | 3,832 |
| Noncurrent loans to loans | 1.5781% | 2,529 |
| Net loans and leases to total assets | 47.6711% | 5,326 |
| Net loans and leases to deposits | 53.5577% | 5,504 |
| Net loans and leases to core deposits | 54.3829% | 5,649 |
| Total domestic deposits to total assets | 89.0088% | 1,615 |
| Equity capital to assets | 10.8278% | 2,787 |
| Core capital (leverage) ratio | 10.9709% | 2,417 |
| Tier 1 risk-based capital ratio | 21.4117% | 1,354 |
| Total risk-based capital ratio | 22.6664% | 1,334 |
| Memoranda: | ||
| Average total assets | $59,628,600 | 5,768 |
| Average earning assets | $55,229,400 | 5,723 |
| Average equity | $6,480,400 | 5,701 |
| Average total loans | $31,260,000 | 5,698 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5261% | 2,135 |
| Cost of funding earning assets | 0.3387% | 5,398 |
| Net interest margin | 4.1874% | 1,376 |
| Noninterest income to average assets | 0.3217% | 5,112 |
| Noninterest expense to average assets | 3.0982% | 2,655 |
| Loan and lease loss provision to assets | 0.1117% | 2,901 |
| Net operating income to assets | 0.6266% | 4,234 |
| Return on assets (ROA) | 0.6723% | 4,146 |
| Pretax return on assets | 1.0498% | 3,302 |
| Return on Equity (ROE) | 6.1808% | 4,089 |
| Retained earnings to average equity (ytd only) | 1.8686% | 5,198 |
| Net charge-offs to loans | 0.0335% | 4,463 |
| Credit loss provision to net charge-offs | 625.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 60.9794% | 746 |
| Efficiency ratio | 73.9733% | 3,075 |
| Assets per employee ($millions) | 3.5306% | 4,791 |
| Cash dividends to net income (ytd only)* | 69.7673% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 3,888 |
| Loan loss allowance to noncurrent loans | 62.3545% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 1.3512% | 2,937 |
| Noncurrent loans to loans | 2.2488% | 1,957 |
| Net loans and leases to total assets | 56.4669% | 4,253 |
| Net loans and leases to deposits | 63.4313% | 4,575 |
| Net loans and leases to core deposits | 64.3967% | 4,861 |
| Total domestic deposits to total assets | 89.0205% | 1,538 |
| Equity capital to assets | 10.7879% | 2,966 |
| Core capital (leverage) ratio | 11.0261% | 2,457 |
| Tier 1 risk-based capital ratio | 18.5316% | 2,130 |
| Total risk-based capital ratio | 19.7837% | 2,099 |
| Memoranda: | ||
| Average total assets | $59,689,750 | 5,828 |
| Average earning assets | $55,116,250 | 5,783 |
| Average equity | $6,493,000 | 5,773 |
| Average total loans | $31,882,750 | 5,729 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1971% | 3,381 |
| Cost of funding earning assets | 0.3531% | 5,375 |
| Net interest margin | 3.8440% | 2,398 |
| Noninterest income to average assets | 0.3223% | 5,133 |
| Noninterest expense to average assets | 3.0715% | 2,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5356% | 4,635 |
| Return on assets (ROA) | 0.6076% | 4,419 |
| Pretax return on assets | 0.9030% | 3,900 |
| Return on Equity (ROE) | 5.5701% | 4,418 |
| Retained earnings to average equity (ytd only) | 1.2617% | 5,394 |
| Net charge-offs to loans | 0.0451% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 33.8571% | 1,048 |
| Efficiency ratio | 79.4271% | 2,233 |
| Assets per employee ($millions) | 3.4909% | 4,875 |
| Cash dividends to net income (ytd only)* | 77.3481% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 5,155 |
| Loan loss allowance to noncurrent loans | 79.9629% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.0178% | 3,724 |
| Noncurrent loans to loans | 1.4611% | 3,118 |
| Net loans and leases to total assets | 61.4363% | 3,400 |
| Net loans and leases to deposits | 69.1106% | 3,842 |
| Net loans and leases to core deposits | 69.1106% | 4,372 |
| Total domestic deposits to total assets | 88.8956% | 1,689 |
| Equity capital to assets | 10.8314% | 2,917 |
| Core capital (leverage) ratio | 10.8786% | 2,472 |
| Tier 1 risk-based capital ratio | 17.5520% | 2,495 |
| Total risk-based capital ratio | 18.7225% | 2,494 |
| Memoranda: | ||
| Average total assets | $59,579,330 | 5,864 |
| Average earning assets | $54,942,670 | 5,827 |
| Average equity | $6,499,000 | 5,811 |
| Average total loans | $31,052,330 | 5,802 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5594% | 5,564 |
| Cost of funding earning assets | 0.3459% | 5,579 |
| Net interest margin | 3.2136% | 4,880 |
| Noninterest income to average assets | 0.3551% | 4,833 |
| Noninterest expense to average assets | 3.1426% | 2,536 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1407% | 6,068 |
| Return on assets (ROA) | 0.1876% | 6,042 |
| Pretax return on assets | 0.2680% | 5,917 |
| Return on Equity (ROE) | 1.7140% | 6,021 |
| Retained earnings to average equity (ytd only) | -2.5710% | 6,147 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9880% | 840 |
| Assets per employee ($millions) | 3.6050% | 4,773 |
| Cash dividends to net income (ytd only)* | 250.0000% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5097% | 3,784 |
| Loan loss allowance to noncurrent loans | 19.1099% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 3.8460% | 1,066 |
| Noncurrent loans to loans | 7.8999% | 337 |
| Net loans and leases to total assets | 46.6264% | 5,370 |
| Net loans and leases to deposits | 52.2624% | 5,593 |
| Net loans and leases to core deposits | 52.5508% | 5,782 |
| Total domestic deposits to total assets | 89.2160% | 1,542 |
| Equity capital to assets | 10.6143% | 3,419 |
| Core capital (leverage) ratio | 10.4385% | 2,858 |
| Tier 1 risk-based capital ratio | 21.0076% | 1,532 |
| Total risk-based capital ratio | 22.2588% | 1,509 |
| Memoranda: | ||
| Average total assets | $59,696,000 | 5,912 |
| Average earning assets | $55,514,500 | 5,860 |
| Average equity | $6,534,500 | 5,854 |
| Average total loans | $28,133,000 | 5,979 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3885% | 3,855 |
| Cost of funding earning assets | 0.4306% | 5,719 |
| Net interest margin | 3.9579% | 2,574 |
| Noninterest income to average assets | 0.3059% | 5,257 |
| Noninterest expense to average assets | 3.0074% | 3,243 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6809% | 3,831 |
| Return on assets (ROA) | 0.6949% | 4,022 |
| Pretax return on assets | 0.9858% | 3,592 |
| Return on Equity (ROE) | 6.4452% | 3,939 |
| Retained earnings to average equity (ytd only) | 2.1279% | 4,730 |
| Net charge-offs to loans | 0.2487% | 3,450 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 7.6447% | 2,559 |
| Efficiency ratio | 75.6904% | 2,803 |
| Assets per employee ($millions) | 3.4181% | 5,178 |
| Cash dividends to net income (ytd only)* | 66.9856% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6072% | 3,276 |
| Loan loss allowance to noncurrent loans | 20.8076% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 3.7345% | 1,191 |
| Noncurrent loans to loans | 7.7239% | 387 |
| Net loans and leases to total assets | 46.1476% | 5,596 |
| Net loans and leases to deposits | 52.0538% | 5,802 |
| Net loans and leases to core deposits | 53.1369% | 5,934 |
| Total domestic deposits to total assets | 88.6537% | 1,807 |
| Equity capital to assets | 11.2964% | 2,634 |
| Core capital (leverage) ratio | 10.7587% | 2,480 |
| Tier 1 risk-based capital ratio | 22.6974% | 1,153 |
| Total risk-based capital ratio | 23.8920% | 1,142 |
| Memoranda: | ||
| Average total assets | $60,151,600 | 5,917 |
| Average earning assets | $55,736,000 | 5,869 |
| Average equity | $6,485,400 | 5,896 |
| Average total loans | $30,556,600 | 5,921 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5028% | 3,629 |
| Cost of funding earning assets | 0.4417% | 5,860 |
| Net interest margin | 4.0611% | 2,249 |
| Noninterest income to average assets | 0.2989% | 5,385 |
| Noninterest expense to average assets | 2.8001% | 3,979 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8373% | 3,273 |
| Return on assets (ROA) | 0.8638% | 3,403 |
| Pretax return on assets | 1.2968% | 2,621 |
| Return on Equity (ROE) | 8.1041% | 3,237 |
| Retained earnings to average equity (ytd only) | 3.7736% | 4,240 |
| Net charge-offs to loans | 0.3229% | 2,834 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 7.5264% | 2,592 |
| Efficiency ratio | 69.0141% | 3,876 |
| Assets per employee ($millions) | 3.5101% | 4,962 |
| Cash dividends to net income (ytd only)* | 53.4342% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 4,841 |
| Loan loss allowance to noncurrent loans | 18.9038% | 6,513 |
| Noncurrent assets plus other real estate owned to assets | 3.9918% | 1,206 |
| Noncurrent loans to loans | 6.8471% | 539 |
| Net loans and leases to total assets | 55.9743% | 4,457 |
| Net loans and leases to deposits | 63.0946% | 4,827 |
| Net loans and leases to core deposits | 64.3713% | 5,111 |
| Total domestic deposits to total assets | 88.7150% | 1,592 |
| Equity capital to assets | 11.0822% | 3,179 |
| Core capital (leverage) ratio | 10.5220% | 2,885 |
| Tier 1 risk-based capital ratio | 20.3428% | 1,673 |
| Total risk-based capital ratio | 21.5946% | 1,641 |
| Memoranda: | ||
| Average total assets | $60,662,750 | 5,973 |
| Average earning assets | $56,141,500 | 5,931 |
| Average equity | $6,465,750 | 5,970 |
| Average total loans | $31,382,500 | 5,958 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 5,480 |
| Cost of funding earning assets | 0.4376% | 6,051 |
| Net interest margin | 3.6139% | 4,202 |
| Noninterest income to average assets | 0.3115% | 5,318 |
| Noninterest expense to average assets | 2.8331% | 3,896 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5720% | 4,489 |
| Return on assets (ROA) | 0.6099% | 4,580 |
| Pretax return on assets | 0.8919% | 4,109 |
| Return on Equity (ROE) | 5.7974% | 4,425 |
| Retained earnings to average equity (ytd only) | 1.4338% | 5,478 |
| Net charge-offs to loans | 0.0654% | 4,517 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 25.5000% | 1,197 |
| Efficiency ratio | 77.2118% | 2,564 |
| Assets per employee ($millions) | 3.5929% | 4,763 |
| Cash dividends to net income (ytd only)* | 75.2688% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 5,015 |
| Loan loss allowance to noncurrent loans | 23.0558% | 6,434 |
| Noncurrent assets plus other real estate owned to assets | 3.6870% | 1,417 |
| Noncurrent loans to loans | 5.5280% | 841 |
| Net loans and leases to total assets | 63.9172% | 3,054 |
| Net loans and leases to deposits | 74.3350% | 3,235 |
| Net loans and leases to core deposits | 75.4848% | 3,818 |
| Total domestic deposits to total assets | 85.9854% | 3,359 |
| Equity capital to assets | 10.5404% | 3,635 |
| Core capital (leverage) ratio | 10.4053% | 2,914 |
| Tier 1 risk-based capital ratio | 16.6259% | 2,847 |
| Total risk-based capital ratio | 17.8265% | 2,834 |
| Memoranda: | ||
| Average total assets | $60,993,000 | 6,003 |
| Average earning assets | $56,669,330 | 5,953 |
| Average equity | $6,416,670 | 6,010 |
| Average total loans | $30,563,670 | 6,036 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3846% | 6,830 |
| Cost of funding earning assets | 0.4593% | 6,085 |
| Net interest margin | 2.9253% | 6,448 |
| Noninterest income to average assets | 0.3281% | 5,239 |
| Noninterest expense to average assets | 2.6514% | 4,616 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2662% | 5,761 |
| Return on assets (ROA) | 0.3019% | 5,818 |
| Pretax return on assets | 0.4463% | 5,597 |
| Return on Equity (ROE) | 2.8723% | 5,760 |
| Retained earnings to average equity (ytd only) | -1.4986% | 6,217 |
| Net charge-offs to loans | -0.0307% | 6,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0690% | 1,371 |
| Assets per employee ($millions) | 3.6414% | 4,790 |
| Cash dividends to net income (ytd only)* | 152.1739% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9656% | 2,466 |
| Loan loss allowance to noncurrent loans | 21.7630% | 6,500 |
| Noncurrent assets plus other real estate owned to assets | 3.9690% | 1,395 |
| Noncurrent loans to loans | 9.0320% | 375 |
| Net loans and leases to total assets | 41.5724% | 6,231 |
| Net loans and leases to deposits | 46.4263% | 6,394 |
| Net loans and leases to core deposits | 46.6789% | 6,526 |
| Total domestic deposits to total assets | 89.5451% | 1,343 |
| Equity capital to assets | 10.2546% | 3,788 |
| Core capital (leverage) ratio | 10.2201% | 3,082 |
| Tier 1 risk-based capital ratio | 22.4566% | 1,216 |
| Total risk-based capital ratio | 23.7122% | 1,193 |
| Memoranda: | ||
| Average total assets | $60,950,000 | 6,036 |
| Average earning assets | $56,609,500 | 5,991 |
| Average equity | $6,406,000 | 6,042 |
| Average total loans | $26,073,500 | 6,305 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6000% | 4,679 |
| Cost of funding earning assets | 0.5670% | 6,254 |
| Net interest margin | 4.0329% | 2,718 |
| Noninterest income to average assets | 0.3167% | 5,275 |
| Noninterest expense to average assets | 3.0852% | 3,251 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6555% | 3,719 |
| Return on assets (ROA) | 0.6968% | 3,689 |
| Pretax return on assets | 0.9793% | 3,322 |
| Return on Equity (ROE) | 6.3789% | 3,702 |
| Retained earnings to average equity (ytd only) | -2.4293% | 6,204 |
| Net charge-offs to loans | 0.3433% | 3,683 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 5.1731% | 2,879 |
| Efficiency ratio | 77.0085% | 2,745 |
| Assets per employee ($millions) | 3.5292% | 4,946 |
| Cash dividends to net income (ytd only)* | 138.0835% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9849% | 2,329 |
| Loan loss allowance to noncurrent loans | 21.1175% | 6,577 |
| Noncurrent assets plus other real estate owned to assets | 4.4720% | 1,231 |
| Noncurrent loans to loans | 9.3991% | 360 |
| Net loans and leases to total assets | 42.3062% | 6,357 |
| Net loans and leases to deposits | 47.5140% | 6,528 |
| Net loans and leases to core deposits | 47.7824% | 6,654 |
| Total domestic deposits to total assets | 89.0393% | 1,514 |
| Equity capital to assets | 10.7741% | 3,223 |
| Core capital (leverage) ratio | 10.6118% | 2,608 |
| Tier 1 risk-based capital ratio | 22.3003% | 1,195 |
| Total risk-based capital ratio | 23.5565% | 1,167 |
| Memoranda: | ||
| Average total assets | $58,408,800 | 6,090 |
| Average earning assets | $53,435,200 | 6,061 |
| Average equity | $6,380,400 | 6,047 |
| Average total loans | $30,292,200 | 6,143 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8554% | 3,760 |
| Cost of funding earning assets | 0.5871% | 6,343 |
| Net interest margin | 4.2683% | 1,833 |
| Noninterest income to average assets | 0.3264% | 5,253 |
| Noninterest expense to average assets | 3.1050% | 3,141 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7498% | 3,382 |
| Return on assets (ROA) | 0.8021% | 3,314 |
| Pretax return on assets | 1.1928% | 2,661 |
| Return on Equity (ROE) | 7.3169% | 3,371 |
| Retained earnings to average equity (ytd only) | -2.9980% | 6,418 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5839% | 3,259 |
| Assets per employee ($millions) | 3.4303% | 5,166 |
| Cash dividends to net income (ytd only)* | 140.9740% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8958% | 2,623 |
| Loan loss allowance to noncurrent loans | 23.3585% | 6,561 |
| Noncurrent assets plus other real estate owned to assets | 4.9867% | 1,157 |
| Noncurrent loans to loans | 8.1161% | 538 |
| Net loans and leases to total assets | 54.9293% | 5,007 |
| Net loans and leases to deposits | 61.9754% | 5,406 |
| Net loans and leases to core deposits | 62.3373% | 5,792 |
| Total domestic deposits to total assets | 88.6307% | 1,674 |
| Equity capital to assets | 11.0400% | 3,101 |
| Core capital (leverage) ratio | 10.7482% | 2,618 |
| Tier 1 risk-based capital ratio | 20.5718% | 1,542 |
| Total risk-based capital ratio | 21.7710% | 1,530 |
| Memoranda: | ||
| Average total assets | $58,012,000 | 6,153 |
| Average earning assets | $52,916,250 | 6,133 |
| Average equity | $6,359,500 | 6,091 |
| Average total loans | $31,391,250 | 6,172 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5304% | 5,259 |
| Cost of funding earning assets | 0.6023% | 6,453 |
| Net interest margin | 3.9281% | 3,176 |
| Noninterest income to average assets | 0.3454% | 5,118 |
| Noninterest expense to average assets | 3.0461% | 3,451 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5948% | 4,091 |
| Return on assets (ROA) | 0.6734% | 3,793 |
| Pretax return on assets | 0.9981% | 3,250 |
| Return on Equity (ROE) | 6.1579% | 3,885 |
| Retained earnings to average equity (ytd only) | -7.1368% | 6,726 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5726% | 2,778 |
| Assets per employee ($millions) | 3.2247% | 5,587 |
| Cash dividends to net income (ytd only)* | 215.8974% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7192% | 3,261 |
| Loan loss allowance to noncurrent loans | 24.6805% | 6,540 |
| Noncurrent assets plus other real estate owned to assets | 4.8014% | 1,294 |
| Noncurrent loans to loans | 6.9658% | 747 |
| Net loans and leases to total assets | 60.8648% | 4,112 |
| Net loans and leases to deposits | 68.5893% | 4,616 |
| Net loans and leases to core deposits | 68.9912% | 5,190 |
| Total domestic deposits to total assets | 88.7380% | 1,699 |
| Equity capital to assets | 10.9432% | 3,017 |
| Core capital (leverage) ratio | 10.7532% | 2,465 |
| Tier 1 risk-based capital ratio | 19.2914% | 1,760 |
| Total risk-based capital ratio | 20.5490% | 1,732 |
| Memoranda: | ||
| Average total assets | $57,911,000 | 6,210 |
| Average earning assets | $52,799,330 | 6,191 |
| Average equity | $6,333,330 | 6,130 |
| Average total loans | $30,971,330 | 6,240 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 6,183 |
| Cost of funding earning assets | 0.6097% | 6,569 |
| Net interest margin | 3.6279% | 4,446 |
| Noninterest income to average assets | 0.3942% | 4,749 |
| Noninterest expense to average assets | 2.9389% | 3,896 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5117% | 4,447 |
| Return on assets (ROA) | 0.5117% | 4,526 |
| Pretax return on assets | 0.7468% | 4,109 |
| Return on Equity (ROE) | 4.6806% | 4,566 |
| Retained earnings to average equity (ytd only) | -17.5838% | 7,107 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7373% | 2,577 |
| Assets per employee ($millions) | 2.8489% | 6,447 |
| Cash dividends to net income (ytd only)* | 475.6757% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1895% | 1,990 |
| Loan loss allowance to noncurrent loans | 23.1028% | 6,641 |
| Noncurrent assets plus other real estate owned to assets | 4.8055% | 1,327 |
| Noncurrent loans to loans | 9.4774% | 445 |
| Net loans and leases to total assets | 46.1447% | 6,273 |
| Net loans and leases to deposits | 51.6077% | 6,506 |
| Net loans and leases to core deposits | 52.3912% | 6,660 |
| Total domestic deposits to total assets | 89.4145% | 1,524 |
| Equity capital to assets | 10.3415% | 3,360 |
| Core capital (leverage) ratio | 10.5513% | 2,562 |
| Tier 1 risk-based capital ratio | 20.5655% | 1,461 |
| Total risk-based capital ratio | 21.8239% | 1,441 |
| Memoranda: | ||
| Average total assets | $57,844,000 | 6,267 |
| Average earning assets | $52,482,500 | 6,256 |
| Average equity | $6,324,000 | 6,148 |
| Average total loans | $28,483,500 | 6,396 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2906% | 3,172 |
| Cost of funding earning assets | 0.7779% | 6,653 |
| Net interest margin | 4.5128% | 1,204 |
| Noninterest income to average assets | 0.3835% | 5,032 |
| Noninterest expense to average assets | 3.6104% | 1,896 |
| Loan and lease loss provision to assets | -0.2790% | 7,632 |
| Net operating income to assets | 0.7367% | 3,064 |
| Return on assets (ROA) | 0.7310% | 3,220 |
| Pretax return on assets | 1.0956% | 2,596 |
| Return on Equity (ROE) | 6.7476% | 3,240 |
| Retained earnings to average equity (ytd only) | 6.7476% | 1,428 |
| Net charge-offs to loans | -0.3394% | 7,576 |
| Credit loss provision to net charge-offs | 144.2478% | 2,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3971% | 2,239 |
| Assets per employee ($millions) | 2.6600% | 6,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1502% | 1,961 |
| Loan loss allowance to noncurrent loans | 23.9814% | 6,651 |
| Noncurrent assets plus other real estate owned to assets | 5.0142% | 1,271 |
| Noncurrent loans to loans | 8.9660% | 523 |
| Net loans and leases to total assets | 50.3464% | 6,138 |
| Net loans and leases to deposits | 56.9889% | 6,352 |
| Net loans and leases to core deposits | 57.3374% | 6,612 |
| Total domestic deposits to total assets | 88.3443% | 2,044 |
| Equity capital to assets | 11.5662% | 2,203 |
| Core capital (leverage) ratio | 10.9198% | 2,216 |
| Tier 1 risk-based capital ratio | 22.4281% | 1,116 |
| Total risk-based capital ratio | 23.6893% | 1,096 |
| Memoranda: | ||
| Average total assets | $58,414,400 | 6,263 |
| Average earning assets | $52,451,200 | 6,270 |
| Average equity | $6,328,200 | 6,262 |
| Average total loans | $33,290,400 | 6,247 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3775% | 2,985 |
| Cost of funding earning assets | 0.7974% | 6,777 |
| Net interest margin | 4.5801% | 1,085 |
| Noninterest income to average assets | 0.3996% | 4,959 |
| Noninterest expense to average assets | 3.4906% | 2,053 |
| Loan and lease loss provision to assets | -0.3680% | 7,740 |
| Net operating income to assets | 0.9470% | 2,424 |
| Return on assets (ROA) | 0.9392% | 2,587 |
| Pretax return on assets | 1.3637% | 1,995 |
| Return on Equity (ROE) | 8.8110% | 2,559 |
| Retained earnings to average equity (ytd only) | 8.8110% | 1,117 |
| Net charge-offs to loans | -0.5964% | 7,688 |
| Credit loss provision to net charge-offs | 105.8442% | 4,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6104% | 2,678 |
| Assets per employee ($millions) | 2.6735% | 6,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8052% | 2,766 |
| Loan loss allowance to noncurrent loans | 24.4610% | 6,677 |
| Noncurrent assets plus other real estate owned to assets | 6.0443% | 983 |
| Noncurrent loans to loans | 7.3800% | 734 |
| Net loans and leases to total assets | 60.8542% | 4,747 |
| Net loans and leases to deposits | 68.8440% | 5,306 |
| Net loans and leases to core deposits | 85.7910% | 3,687 |
| Total domestic deposits to total assets | 88.3943% | 1,732 |
| Equity capital to assets | 11.2095% | 2,767 |
| Core capital (leverage) ratio | 10.8506% | 2,373 |
| Tier 1 risk-based capital ratio | 19.0780% | 1,737 |
| Total risk-based capital ratio | 20.3366% | 1,694 |
| Memoranda: | ||
| Average total assets | $59,052,750 | 6,302 |
| Average earning assets | $52,835,750 | 6,334 |
| Average equity | $6,295,000 | 6,356 |
| Average total loans | $34,427,500 | 6,270 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9695% | 5,083 |
| Cost of funding earning assets | 0.8207% | 6,849 |
| Net interest margin | 4.1488% | 2,339 |
| Noninterest income to average assets | 0.4160% | 4,791 |
| Noninterest expense to average assets | 3.5210% | 1,979 |
| Loan and lease loss provision to assets | 0.1759% | 5,105 |
| Net operating income to assets | 0.2485% | 5,381 |
| Return on assets (ROA) | 0.2334% | 5,581 |
| Pretax return on assets | 0.4059% | 5,208 |
| Return on Equity (ROE) | 2.2274% | 5,565 |
| Retained earnings to average equity (ytd only) | 2.2274% | 4,734 |
| Net charge-offs to loans | 0.9066% | 2,021 |
| Credit loss provision to net charge-offs | 33.9869% | 5,680 |
| Earnings coverage of net charge-offs (x) | 1.1699% | 4,626 |
| Efficiency ratio | 85.3279% | 1,786 |
| Assets per employee ($millions) | 2.8470% | 6,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4565% | 4,146 |
| Loan loss allowance to noncurrent loans | 19.7557% | 6,955 |
| Noncurrent assets plus other real estate owned to assets | 5.6423% | 1,078 |
| Noncurrent loans to loans | 7.3724% | 733 |
| Net loans and leases to total assets | 61.1409% | 4,851 |
| Net loans and leases to deposits | 68.0437% | 5,559 |
| Net loans and leases to core deposits | 70.5508% | 5,822 |
| Total domestic deposits to total assets | 89.8554% | 990 |
| Equity capital to assets | 9.9802% | 4,052 |
| Core capital (leverage) ratio | 10.5624% | 2,573 |
| Tier 1 risk-based capital ratio | 16.6161% | 2,434 |
| Total risk-based capital ratio | 17.8703% | 2,384 |
| Memoranda: | ||
| Average total assets | $59,131,670 | 6,347 |
| Average earning assets | $52,882,670 | 6,374 |
| Average equity | $6,195,670 | 6,406 |
| Average total loans | $33,753,330 | 6,347 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7889% | 5,929 |
| Cost of funding earning assets | 0.8599% | 6,898 |
| Net interest margin | 3.9289% | 3,205 |
| Noninterest income to average assets | 0.4252% | 4,702 |
| Noninterest expense to average assets | 3.5692% | 1,804 |
| Loan and lease loss provision to assets | 0.1882% | 4,618 |
| Net operating income to assets | 0.2300% | 5,574 |
| Return on assets (ROA) | 0.2719% | 5,537 |
| Pretax return on assets | 0.1812% | 5,941 |
| Return on Equity (ROE) | 2.5292% | 5,545 |
| Retained earnings to average equity (ytd only) | 2.5292% | 4,615 |
| Net charge-offs to loans | 0.9231% | 1,741 |
| Credit loss provision to net charge-offs | 37.5000% | 4,678 |
| Earnings coverage of net charge-offs (x) | 0.6528% | 4,441 |
| Efficiency ratio | 91.5921% | 1,311 |
| Assets per employee ($millions) | 2.6114% | 7,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1714% | 1,812 |
| Loan loss allowance to noncurrent loans | 14.5736% | 7,219 |
| Noncurrent assets plus other real estate owned to assets | 8.2888% | 586 |
| Noncurrent loans to loans | 14.8996% | 185 |
| Net loans and leases to total assets | 48.7772% | 6,594 |
| Net loans and leases to deposits | 54.7207% | 6,872 |
| Net loans and leases to core deposits | 54.7207% | 7,068 |
| Total domestic deposits to total assets | 89.1386% | 1,447 |
| Equity capital to assets | 10.7761% | 2,972 |
| Core capital (leverage) ratio | 10.6712% | 2,470 |
| Tier 1 risk-based capital ratio | 18.9052% | 1,739 |
| Total risk-based capital ratio | 20.1643% | 1,698 |
| Memoranda: | ||
| Average total assets | $57,380,500 | 6,489 |
| Average earning assets | $50,701,000 | 6,520 |
| Average equity | $6,168,000 | 6,462 |
| Average total loans | $31,199,500 | 6,559 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7627% | 2,810 |
| Cost of funding earning assets | 1.1673% | 6,774 |
| Net interest margin | 4.5954% | 994 |
| Noninterest income to average assets | 0.4881% | 4,504 |
| Noninterest expense to average assets | 4.0971% | 1,234 |
| Loan and lease loss provision to assets | 3.7336% | 393 |
| Net operating income to assets | -2.0694% | 7,121 |
| Return on assets (ROA) | -2.0650% | 7,115 |
| Pretax return on assets | -3.2334% | 7,354 |
| Return on Equity (ROE) | -20.5194% | 7,158 |
| Retained earnings to average equity (ytd only) | -21.1386% | 7,147 |
| Net charge-offs to loans | 8.9326% | 51 |
| Credit loss provision to net charge-offs | 64.2538% | 6,577 |
| Earnings coverage of net charge-offs (x) | 0.0849% | 6,073 |
| Efficiency ratio | 89.2534% | 1,770 |
| Assets per employee ($millions) | 2.6050% | 7,032 |
| Cash dividends to net income (ytd only)* | -3.0176% | 7,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9761% | 2,083 |
| Loan loss allowance to noncurrent loans | 13.0733% | 7,306 |
| Noncurrent assets plus other real estate owned to assets | 9.7644% | 385 |
| Noncurrent loans to loans | 15.1152% | 171 |
| Net loans and leases to total assets | 57.7334% | 5,702 |
| Net loans and leases to deposits | 64.7444% | 6,182 |
| Net loans and leases to core deposits | 76.8179% | 6,350 |
| Total domestic deposits to total assets | 89.1712% | 1,400 |
| Equity capital to assets | 10.7224% | 2,948 |
| Core capital (leverage) ratio | 10.3299% | 2,762 |
| Tier 1 risk-based capital ratio | 16.4101% | 2,353 |
| Total risk-based capital ratio | 17.5974% | 2,323 |
| Memoranda: | ||
| Average total assets | $57,772,200 | 6,441 |
| Average earning assets | $51,572,800 | 6,476 |
| Average equity | $5,814,000 | 6,664 |
| Average total loans | $37,581,600 | 6,215 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7795% | 2,985 |
| Cost of funding earning assets | 1.2243% | 6,828 |
| Net interest margin | 4.5552% | 1,068 |
| Noninterest income to average assets | 0.4814% | 4,658 |
| Noninterest expense to average assets | 4.1343% | 1,100 |
| Loan and lease loss provision to assets | 4.5466% | 213 |
| Net operating income to assets | -2.3230% | 7,418 |
| Return on assets (ROA) | -2.3171% | 7,404 |
| Pretax return on assets | -4.1113% | 7,704 |
| Return on Equity (ROE) | -23.4033% | 7,472 |
| Retained earnings to average equity (ytd only) | -24.2408% | 7,465 |
| Net charge-offs to loans | 11.5622% | 34 |
| Credit loss provision to net charge-offs | 59.0664% | 6,189 |
| Earnings coverage of net charge-offs (x) | 0.0554% | 5,990 |
| Efficiency ratio | 90.6566% | 1,629 |
| Assets per employee ($millions) | 2.6902% | 6,876 |
| Cash dividends to net income (ytd only)* | -3.5786% | 7,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 5,129 |
| Loan loss allowance to noncurrent loans | 9.2459% | 7,466 |
| Noncurrent assets plus other real estate owned to assets | 9.6072% | 371 |
| Noncurrent loans to loans | 12.9508% | 227 |
| Net loans and leases to total assets | 69.5683% | 3,606 |
| Net loans and leases to deposits | 76.5103% | 4,959 |
| Net loans and leases to core deposits | 90.8076% | 5,364 |
| Total domestic deposits to total assets | 90.9268% | 443 |
| Equity capital to assets | 8.9550% | 5,545 |
| Core capital (leverage) ratio | 8.6193% | 5,280 |
| Tier 1 risk-based capital ratio | 12.8104% | 4,316 |
| Total risk-based capital ratio | 14.0518% | 4,264 |
| Memoranda: | ||
| Average total assets | $57,887,750 | 6,468 |
| Average earning assets | $51,836,750 | 6,507 |
| Average equity | $5,731,250 | 6,765 |
| Average total loans | $38,538,500 | 6,224 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4058% | 5,121 |
| Cost of funding earning assets | 1.2827% | 6,866 |
| Net interest margin | 4.1231% | 2,244 |
| Noninterest income to average assets | 0.5117% | 4,342 |
| Noninterest expense to average assets | 4.0066% | 1,308 |
| Loan and lease loss provision to assets | 6.8714% | 99 |
| Net operating income to assets | -3.8171% | 7,804 |
| Return on assets (ROA) | -3.8082% | 7,800 |
| Pretax return on assets | -6.6486% | 8,001 |
| Return on Equity (ROE) | -37.2426% | 7,815 |
| Retained earnings to average equity (ytd only) | -38.4681% | 7,814 |
| Net charge-offs to loans | 17.8804% | 13 |
| Credit loss provision to net charge-offs | 58.8902% | 5,611 |
| Earnings coverage of net charge-offs (x) | 0.0179% | 5,665 |
| Efficiency ratio | 95.0454% | 1,436 |
| Assets per employee ($millions) | 2.6282% | 6,999 |
| Cash dividends to net income (ytd only)* | -3.2907% | 7,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 4,552 |
| Loan loss allowance to noncurrent loans | 13.0435% | 7,425 |
| Noncurrent assets plus other real estate owned to assets | 6.7346% | 660 |
| Noncurrent loans to loans | 9.6517% | 375 |
| Net loans and leases to total assets | 66.3323% | 4,501 |
| Net loans and leases to deposits | 72.9913% | 5,610 |
| Net loans and leases to core deposits | 79.8676% | 6,420 |
| Total domestic deposits to total assets | 90.8770% | 499 |
| Equity capital to assets | 8.9587% | 5,376 |
| Core capital (leverage) ratio | 8.5045% | 5,442 |
| Tier 1 risk-based capital ratio | 13.2270% | 3,981 |
| Total risk-based capital ratio | 14.4765% | 3,901 |
| Memoranda: | ||
| Average total assets | $57,455,330 | 6,533 |
| Average earning assets | $51,611,670 | 6,574 |
| Average equity | $5,875,000 | 6,771 |
| Average total loans | $37,493,670 | 6,318 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5572% | 4,602 |
| Cost of funding earning assets | 1.3350% | 6,918 |
| Net interest margin | 4.2223% | 1,829 |
| Noninterest income to average assets | 0.5378% | 4,006 |
| Noninterest expense to average assets | 3.8133% | 1,449 |
| Loan and lease loss provision to assets | 0.4190% | 2,827 |
| Net operating income to assets | -0.0388% | 6,314 |
| Return on assets (ROA) | -0.0210% | 6,421 |
| Pretax return on assets | 0.1327% | 6,093 |
| Return on Equity (ROE) | -0.1928% | 6,427 |
| Retained earnings to average equity (ytd only) | -2.5070% | 6,196 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9227% | 1,905 |
| Assets per employee ($millions) | 2.6806% | 6,929 |
| Cash dividends to net income (ytd only)* | -1,200.0000% | 8,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3110% | 94 |
| Loan loss allowance to noncurrent loans | 42.5889% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 7.9221% | 378 |
| Noncurrent loans to loans | 12.4704% | 163 |
| Net loans and leases to total assets | 58.2867% | 5,899 |
| Net loans and leases to deposits | 65.3971% | 6,429 |
| Net loans and leases to core deposits | 71.5216% | 6,932 |
| Total domestic deposits to total assets | 89.1274% | 1,183 |
| Equity capital to assets | 10.6233% | 3,355 |
| Core capital (leverage) ratio | 9.4065% | 4,095 |
| Tier 1 risk-based capital ratio | 15.3926% | 2,897 |
| Total risk-based capital ratio | 16.6886% | 2,810 |
| Memoranda: | ||
| Average total assets | $57,272,500 | 6,572 |
| Average earning assets | $51,536,500 | 6,594 |
| Average equity | $6,222,500 | 6,681 |
| Average total loans | $36,819,000 | 6,392 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8963% | 1,410 |
| Cost of funding earning assets | 2.1445% | 5,860 |
| Net interest margin | 4.7518% | 862 |
| Noninterest income to average assets | 0.5048% | 4,589 |
| Noninterest expense to average assets | 3.7895% | 1,774 |
| Loan and lease loss provision to assets | 0.6515% | 2,231 |
| Net operating income to assets | 0.3625% | 5,303 |
| Return on assets (ROA) | 0.4093% | 4,933 |
| Pretax return on assets | 0.4195% | 5,206 |
| Return on Equity (ROE) | 3.8609% | 4,874 |
| Retained earnings to average equity (ytd only) | 0.3861% | 5,011 |
| Net charge-offs to loans | 1.3540% | 867 |
| Credit loss provision to net charge-offs | 71.5356% | 6,051 |
| Earnings coverage of net charge-offs (x) | 1.1236% | 5,562 |
| Efficiency ratio | 78.7385% | 2,798 |
| Assets per employee ($millions) | 2.5260% | 7,160 |
| Cash dividends to net income (ytd only)* | 90.0000% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0032% | 96 |
| Loan loss allowance to noncurrent loans | 40.7682% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 8.5062% | 253 |
| Noncurrent loans to loans | 12.2723% | 121 |
| Net loans and leases to total assets | 63.8247% | 5,305 |
| Net loans and leases to deposits | 72.1305% | 6,045 |
| Net loans and leases to core deposits | 78.8563% | 6,699 |
| Total domestic deposits to total assets | 88.4850% | 1,259 |
| Equity capital to assets | 11.1209% | 2,949 |
| Core capital (leverage) ratio | 9.4821% | 4,034 |
| Tier 1 risk-based capital ratio | 16.9873% | 2,314 |
| Total risk-based capital ratio | 18.2854% | 2,256 |
| Memoranda: | ||
| Average total assets | $58,635,000 | 6,424 |
| Average earning assets | $53,159,000 | 6,459 |
| Average equity | $6,216,200 | 6,731 |
| Average total loans | $39,439,000 | 6,197 |