Home > The Lyndon State Bank > Performance and Condition Ratios
The Lyndon State Bank, 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 | 5.3927% | 1,327 |
| Cost of funding earning assets | 1.0514% | 3,191 |
| Net interest margin | 4.3413% | 757 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 3.9245% | 389 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6108% | 3,415 |
| Return on assets (ROA) | 0.6108% | 3,400 |
| Pretax return on assets | 0.6205% | 3,599 |
| Return on Equity (ROE) | 7.3700% | 3,197 |
| Retained earnings to average equity (ytd only) | 4.3914% | 2,832 |
| Net charge-offs to loans | -0.0041% | 3,787 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 86.3475% | 542 |
| Assets per employee ($millions) | 4.0813% | 4,129 |
| Cash dividends to net income (ytd only)* | 40.3880% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 3,047 |
| Loan loss allowance to noncurrent loans | 311.6732% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.2738% | 1,856 |
| Noncurrent loans to loans | 0.3384% | 1,966 |
| Net loans and leases to total assets | 80.0400% | 637 |
| Net loans and leases to deposits | 103.6072% | 380 |
| Net loans and leases to core deposits | 106.4911% | 1,093 |
| Total domestic deposits to total assets | 77.2600% | 3,817 |
| Equity capital to assets | 8.6641% | 2,920 |
| Core capital (leverage) ratio | 9.6552% | 3,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4347% | 1,709 |
| Memoranda: | ||
| Average total assets | $92,827,000 | 3,889 |
| Average earning assets | $86,172,200 | 3,867 |
| Average equity | $7,696,800 | 3,969 |
| Average total loans | $73,918,800 | 3,494 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2902% | 1,303 |
| Cost of funding earning assets | 0.9246% | 3,218 |
| Net interest margin | 4.3655% | 736 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 3.9034% | 380 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6467% | 3,437 |
| Return on assets (ROA) | 0.6467% | 3,431 |
| Pretax return on assets | 0.6712% | 3,602 |
| Return on Equity (ROE) | 7.8900% | 3,211 |
| Retained earnings to average equity (ytd only) | 3.8658% | 3,294 |
| Net charge-offs to loans | -0.0109% | 3,956 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.3275% | 541 |
| Assets per employee ($millions) | 4.2562% | 4,066 |
| Cash dividends to net income (ytd only)* | 51.0022% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 3,007 |
| Loan loss allowance to noncurrent loans | 265.3465% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 1,731 |
| Noncurrent loans to loans | 0.4044% | 1,817 |
| Net loans and leases to total assets | 79.1700% | 747 |
| Net loans and leases to deposits | 101.6608% | 445 |
| Net loans and leases to core deposits | 103.7437% | 1,131 |
| Total domestic deposits to total assets | 77.8700% | 3,833 |
| Equity capital to assets | 8.0214% | 3,045 |
| Core capital (leverage) ratio | 9.5718% | 3,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5234% | 1,708 |
| Memoranda: | ||
| Average total assets | $92,566,250 | 3,904 |
| Average earning assets | $85,943,500 | 3,885 |
| Average equity | $7,587,750 | 3,985 |
| Average total loans | $73,413,750 | 3,509 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1369% | 1,306 |
| Cost of funding earning assets | 0.7905% | 3,235 |
| Net interest margin | 4.3464% | 752 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 3.9779% | 347 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5314% | 3,743 |
| Return on assets (ROA) | 0.5314% | 3,752 |
| Pretax return on assets | 0.5553% | 3,877 |
| Return on Equity (ROE) | 6.4400% | 3,584 |
| Retained earnings to average equity (ytd only) | 2.8109% | 3,534 |
| Net charge-offs to loans | -0.0137% | 4,015 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 87.7512% | 434 |
| Assets per employee ($millions) | 4.0895% | 4,148 |
| Cash dividends to net income (ytd only)* | 56.3265% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 3,119 |
| Loan loss allowance to noncurrent loans | 31.4286% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 2.7164% | 87 |
| Noncurrent loans to loans | 3.3853% | 121 |
| Net loans and leases to total assets | 79.3900% | 693 |
| Net loans and leases to deposits | 100.2564% | 504 |
| Net loans and leases to core deposits | 102.2680% | 1,120 |
| Total domestic deposits to total assets | 79.1900% | 3,694 |
| Equity capital to assets | 8.2300% | 3,067 |
| Core capital (leverage) ratio | 9.6564% | 3,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8729% | 1,945 |
| Memoranda: | ||
| Average total assets | $92,209,333 | 3,919 |
| Average earning assets | $85,771,667 | 3,901 |
| Average equity | $7,613,333 | 3,997 |
| Average total loans | $72,907,667 | 3,521 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0134% | 1,204 |
| Cost of funding earning assets | 0.7236% | 2,977 |
| Net interest margin | 4.2898% | 818 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 3.9481% | 367 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4820% | 3,938 |
| Return on assets (ROA) | 0.4820% | 3,899 |
| Pretax return on assets | 0.4908% | 4,002 |
| Return on Equity (ROE) | 5.8300% | 3,754 |
| Retained earnings to average equity (ytd only) | 1.3776% | 3,808 |
| Net charge-offs to loans | -0.0112% | 3,881 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.9437% | 391 |
| Assets per employee ($millions) | 4.1762% | 4,179 |
| Cash dividends to net income (ytd only)* | 76.3636% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0973% | 3,076 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 78.4800% | 718 |
| Net loans and leases to deposits | 95.9916% | 653 |
| Net loans and leases to core deposits | 97.8996% | 1,180 |
| Total domestic deposits to total assets | 81.7600% | 3,520 |
| Equity capital to assets | 8.3449% | 3,011 |
| Core capital (leverage) ratio | 9.5151% | 3,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4262% | 1,818 |
| Memoranda: | ||
| Average total assets | $91,285,000 | 3,981 |
| Average earning assets | $85,131,500 | 3,959 |
| Average equity | $7,549,500 | 4,054 |
| Average total loans | $71,624,500 | 3,579 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 590 |
| Cost of funding earning assets | 0.4650% | 1,618 |
| Net interest margin | 4.1568% | 599 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 3.8621% | 365 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4921% | 4,098 |
| Return on assets (ROA) | 0.4921% | 4,060 |
| Pretax return on assets | 0.5409% | 4,113 |
| Return on Equity (ROE) | 5.5600% | 3,919 |
| Retained earnings to average equity (ytd only) | 2.6974% | 3,805 |
| Net charge-offs to loans | -0.0240% | 4,116 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 87.7144% | 366 |
| Assets per employee ($millions) | 4.3187% | 4,133 |
| Cash dividends to net income (ytd only)* | 51.4673% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 2,722 |
| Loan loss allowance to noncurrent loans | 495.6522% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.2889% | 1,697 |
| Noncurrent loans to loans | 0.2289% | 2,354 |
| Net loans and leases to total assets | 76.6800% | 940 |
| Net loans and leases to deposits | 93.6255% | 807 |
| Net loans and leases to core deposits | 95.8567% | 1,215 |
| Total domestic deposits to total assets | 81.9000% | 3,646 |
| Equity capital to assets | 8.1947% | 2,938 |
| Core capital (leverage) ratio | 9.7004% | 2,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5822% | 1,768 |
| Memoranda: | ||
| Average total assets | $90,028,400 | 4,011 |
| Average earning assets | $84,079,800 | 3,994 |
| Average equity | $7,970,600 | 4,098 |
| Average total loans | $66,699,000 | 3,633 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 482 |
| Cost of funding earning assets | 0.4364% | 1,056 |
| Net interest margin | 4.0832% | 533 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 3.7909% | 379 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5312% | 4,010 |
| Return on assets (ROA) | 0.5312% | 3,950 |
| Pretax return on assets | 0.5519% | 4,063 |
| Return on Equity (ROE) | 5.8900% | 3,819 |
| Retained earnings to average equity (ytd only) | 2.1220% | 4,000 |
| Net charge-offs to loans | -0.0284% | 4,120 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 87.2907% | 408 |
| Assets per employee ($millions) | 4.2515% | 4,194 |
| Cash dividends to net income (ytd only)* | 63.9665% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 2,806 |
| Loan loss allowance to noncurrent loans | 182.9885% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.5970% | 890 |
| Noncurrent loans to loans | 0.6272% | 1,298 |
| Net loans and leases to total assets | 76.7900% | 832 |
| Net loans and leases to deposits | 91.6357% | 784 |
| Net loans and leases to core deposits | 93.8034% | 1,108 |
| Total domestic deposits to total assets | 83.8000% | 3,543 |
| Equity capital to assets | 8.2547% | 2,715 |
| Core capital (leverage) ratio | 9.7710% | 2,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5942% | 1,847 |
| Memoranda: | ||
| Average total assets | $89,862,250 | 4,046 |
| Average earning assets | $84,016,000 | 4,024 |
| Average equity | $8,105,250 | 4,126 |
| Average total loans | $65,788,000 | 3,666 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4157% | 424 |
| Cost of funding earning assets | 0.4129% | 846 |
| Net interest margin | 4.0028% | 494 |
| Noninterest income to average assets | 0.5175% | 2,099 |
| Noninterest expense to average assets | 3.7843% | 328 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4531% | 3,994 |
| Return on assets (ROA) | 0.4531% | 3,951 |
| Pretax return on assets | 0.4797% | 4,033 |
| Return on Equity (ROE) | 4.8860% | 3,836 |
| Retained earnings to average equity (ytd only) | 1.1497% | 3,958 |
| Net charge-offs to loans | -0.0341% | 4,094 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7500% | 469 |
| Assets per employee ($millions) | 4.2778% | 4,218 |
| Cash dividends to net income (ytd only)* | 76.4706% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 2,696 |
| Loan loss allowance to noncurrent loans | 79.1417% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.2245% | 344 |
| Noncurrent loans to loans | 1.5114% | 491 |
| Net loans and leases to total assets | 72.9178% | 1,015 |
| Net loans and leases to deposits | 87.1889% | 895 |
| Net loans and leases to core deposits | 89.2427% | 1,163 |
| Total domestic deposits to total assets | 83.6320% | 3,768 |
| Equity capital to assets | 8.5625% | 2,715 |
| Core capital (leverage) ratio | 9.6421% | 2,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0590% | 1,687 |
| Memoranda: | ||
| Average total assets | $90,055,667 | 4,081 |
| Average earning assets | $84,290,000 | 4,071 |
| Average equity | $8,350,333 | 4,163 |
| Average total loans | $64,598,667 | 3,714 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3210% | 424 |
| Cost of funding earning assets | 0.4075% | 834 |
| Net interest margin | 3.9135% | 485 |
| Noninterest income to average assets | 0.4880% | 2,203 |
| Noninterest expense to average assets | 3.6022% | 388 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4969% | 3,723 |
| Return on assets (ROA) | 0.4969% | 3,689 |
| Pretax return on assets | 0.5501% | 3,753 |
| Return on Equity (ROE) | 5.1616% | 3,576 |
| Retained earnings to average equity (ytd only) | 2.1660% | 3,501 |
| Net charge-offs to loans | -0.0502% | 4,255 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7521% | 690 |
| Assets per employee ($millions) | 4.4066% | 4,194 |
| Cash dividends to net income (ytd only)* | 58.0357% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 2,750 |
| Loan loss allowance to noncurrent loans | 110.3352% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.7737% | 717 |
| Noncurrent loans to loans | 1.1075% | 808 |
| Net loans and leases to total assets | 69.0127% | 1,115 |
| Net loans and leases to deposits | 82.7917% | 957 |
| Net loans and leases to core deposits | 84.6877% | 1,210 |
| Total domestic deposits to total assets | 83.3571% | 3,893 |
| Equity capital to assets | 8.9952% | 2,713 |
| Core capital (leverage) ratio | 9.6126% | 2,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1567% | 1,741 |
| Memoranda: | ||
| Average total assets | $90,166,500 | 4,103 |
| Average earning assets | $84,425,500 | 4,086 |
| Average equity | $8,679,500 | 4,187 |
| Average total loans | $63,749,000 | 3,734 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9053% | 299 |
| Cost of funding earning assets | 0.4882% | 976 |
| Net interest margin | 4.4171% | 319 |
| Noninterest income to average assets | 0.6277% | 2,034 |
| Noninterest expense to average assets | 3.9348% | 307 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8099% | 3,306 |
| Return on assets (ROA) | 0.8099% | 3,376 |
| Pretax return on assets | 0.8179% | 3,687 |
| Return on Equity (ROE) | 8.0082% | 3,217 |
| Retained earnings to average equity (ytd only) | 7.1021% | 1,883 |
| Net charge-offs to loans | 0.0096% | 2,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 119.0000% | 786 |
| Efficiency ratio | 82.7910% | 629 |
| Assets per employee ($millions) | 4.1807% | 4,333 |
| Cash dividends to net income (ytd only)* | 11.3154% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 2,649 |
| Loan loss allowance to noncurrent loans | 126.7423% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.7028% | 900 |
| Noncurrent loans to loans | 0.9818% | 1,012 |
| Net loans and leases to total assets | 70.6908% | 963 |
| Net loans and leases to deposits | 86.4423% | 755 |
| Net loans and leases to core deposits | 88.9843% | 1,013 |
| Total domestic deposits to total assets | 81.7780% | 3,997 |
| Equity capital to assets | 10.2910% | 2,386 |
| Core capital (leverage) ratio | 9.7411% | 2,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6135% | 1,648 |
| Memoranda: | ||
| Average total assets | $87,299,000 | 4,129 |
| Average earning assets | $81,524,800 | 4,106 |
| Average equity | $8,828,400 | 4,257 |
| Average total loans | $62,296,600 | 3,781 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0237% | 288 |
| Cost of funding earning assets | 0.5078% | 1,012 |
| Net interest margin | 4.5159% | 305 |
| Noninterest income to average assets | 0.6561% | 1,989 |
| Noninterest expense to average assets | 3.9246% | 302 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9146% | 3,202 |
| Return on assets (ROA) | 0.9146% | 3,271 |
| Pretax return on assets | 0.9483% | 3,589 |
| Return on Equity (ROE) | 9.0844% | 3,086 |
| Retained earnings to average equity (ytd only) | 7.8691% | 2,102 |
| Net charge-offs to loans | 0.0064% | 2,080 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 206.6667% | 543 |
| Efficiency ratio | 80.5399% | 713 |
| Assets per employee ($millions) | 4.2054% | 4,330 |
| Cash dividends to net income (ytd only)* | 13.3779% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 2,834 |
| Loan loss allowance to noncurrent loans | 207.6720% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 1,746 |
| Noncurrent loans to loans | 0.5926% | 1,829 |
| Net loans and leases to total assets | 71.3341% | 944 |
| Net loans and leases to deposits | 87.2331% | 752 |
| Net loans and leases to core deposits | 89.7829% | 1,046 |
| Total domestic deposits to total assets | 81.7741% | 3,967 |
| Equity capital to assets | 10.1581% | 2,752 |
| Core capital (leverage) ratio | 9.6276% | 2,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2100% | 1,896 |
| Memoranda: | ||
| Average total assets | $87,175,000 | 4,176 |
| Average earning assets | $81,399,250 | 4,162 |
| Average equity | $8,776,750 | 4,324 |
| Average total loans | $62,159,500 | 3,835 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1945% | 260 |
| Cost of funding earning assets | 0.5303% | 1,032 |
| Net interest margin | 4.6642% | 282 |
| Noninterest income to average assets | 0.5945% | 2,240 |
| Noninterest expense to average assets | 3.9334% | 305 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9862% | 2,937 |
| Return on assets (ROA) | 0.9862% | 3,026 |
| Pretax return on assets | 1.0185% | 3,401 |
| Return on Equity (ROE) | 9.8255% | 2,815 |
| Retained earnings to average equity (ytd only) | 9.2516% | 1,635 |
| Net charge-offs to loans | 0.0130% | 1,692 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 110.5000% | 708 |
| Efficiency ratio | 79.4323% | 821 |
| Assets per employee ($millions) | 4.0280% | 4,431 |
| Cash dividends to net income (ytd only)* | 5.8411% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 2,865 |
| Loan loss allowance to noncurrent loans | 670.0855% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 2,498 |
| Noncurrent loans to loans | 0.1807% | 3,318 |
| Net loans and leases to total assets | 72.1830% | 946 |
| Net loans and leases to deposits | 88.0466% | 774 |
| Net loans and leases to core deposits | 90.6045% | 1,097 |
| Total domestic deposits to total assets | 81.9827% | 3,924 |
| Equity capital to assets | 10.0728% | 2,788 |
| Core capital (leverage) ratio | 9.5902% | 2,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8021% | 2,049 |
| Memoranda: | ||
| Average total assets | $86,795,333 | 4,206 |
| Average earning assets | $81,085,667 | 4,188 |
| Average equity | $8,712,000 | 4,351 |
| Average total loans | $61,618,333 | 3,870 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 306 |
| Cost of funding earning assets | 0.5732% | 997 |
| Net interest margin | 4.5357% | 337 |
| Noninterest income to average assets | 0.5496% | 2,407 |
| Noninterest expense to average assets | 4.1031% | 263 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6613% | 3,796 |
| Return on assets (ROA) | 0.6613% | 3,871 |
| Pretax return on assets | 0.6846% | 4,051 |
| Return on Equity (ROE) | 6.6008% | 3,704 |
| Retained earnings to average equity (ytd only) | 5.4387% | 3,083 |
| Net charge-offs to loans | 0.0999% | 687 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 1,520 |
| Efficiency ratio | 85.7004% | 522 |
| Assets per employee ($millions) | 4.0338% | 4,461 |
| Cash dividends to net income (ytd only)* | 17.6056% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,608 |
| Loan loss allowance to noncurrent loans | 77,300.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 3,388 |
| Noncurrent loans to loans | 0.0016% | 4,332 |
| Net loans and leases to total assets | 68.1699% | 1,508 |
| Net loans and leases to deposits | 82.6968% | 1,277 |
| Net loans and leases to core deposits | 85.1972% | 1,577 |
| Total domestic deposits to total assets | 82.4335% | 3,807 |
| Equity capital to assets | 9.5839% | 3,125 |
| Core capital (leverage) ratio | 9.5386% | 3,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6622% | 2,014 |
| Memoranda: | ||
| Average total assets | $85,885,500 | 4,235 |
| Average earning assets | $80,253,000 | 4,212 |
| Average equity | $8,605,000 | 4,376 |
| Average total loans | $60,053,000 | 3,916 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0497% | 443 |
| Cost of funding earning assets | 0.8010% | 1,207 |
| Net interest margin | 4.2487% | 565 |
| Noninterest income to average assets | 0.5171% | 2,558 |
| Noninterest expense to average assets | 3.9541% | 396 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4856% | 4,054 |
| Return on assets (ROA) | 0.4856% | 4,142 |
| Pretax return on assets | 0.5133% | 4,250 |
| Return on Equity (ROE) | 4.5282% | 4,020 |
| Retained earnings to average equity (ytd only) | 2.4049% | 3,660 |
| Net charge-offs to loans | -0.0123% | 4,310 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5103% | 427 |
| Assets per employee ($millions) | 3.9537% | 4,408 |
| Cash dividends to net income (ytd only)* | 46.8912% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3393% | 2,234 |
| Loan loss allowance to noncurrent loans | 331.0924% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 2,862 |
| Noncurrent loans to loans | 0.4045% | 2,765 |
| Net loans and leases to total assets | 69.9150% | 1,574 |
| Net loans and leases to deposits | 86.2477% | 1,234 |
| Net loans and leases to core deposits | 89.0800% | 1,601 |
| Total domestic deposits to total assets | 81.0630% | 3,861 |
| Equity capital to assets | 10.4844% | 2,687 |
| Core capital (leverage) ratio | 9.6096% | 3,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1494% | 1,801 |
| Memoranda: | ||
| Average total assets | $79,487,000 | 4,249 |
| Average earning assets | $73,905,200 | 4,234 |
| Average equity | $8,524,400 | 4,367 |
| Average total loans | $56,910,200 | 3,965 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1668% | 444 |
| Cost of funding earning assets | 0.8310% | 1,353 |
| Net interest margin | 4.3358% | 548 |
| Noninterest income to average assets | 0.5055% | 2,597 |
| Noninterest expense to average assets | 4.1050% | 348 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4122% | 4,237 |
| Return on assets (ROA) | 0.4122% | 4,302 |
| Pretax return on assets | 0.4275% | 4,403 |
| Return on Equity (ROE) | 3.8210% | 4,202 |
| Retained earnings to average equity (ytd only) | 0.9749% | 4,266 |
| Net charge-offs to loans | -0.0331% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5689% | 351 |
| Assets per employee ($millions) | 3.8689% | 4,428 |
| Cash dividends to net income (ytd only)* | 74.4856% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 1,752 |
| Loan loss allowance to noncurrent loans | 177.0601% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 1,857 |
| Noncurrent loans to loans | 0.7888% | 1,847 |
| Net loans and leases to total assets | 69.0816% | 2,096 |
| Net loans and leases to deposits | 85.7003% | 1,741 |
| Net loans and leases to core deposits | 88.5953% | 2,093 |
| Total domestic deposits to total assets | 80.6083% | 3,750 |
| Equity capital to assets | 10.5741% | 2,724 |
| Core capital (leverage) ratio | 9.6949% | 3,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4329% | 1,681 |
| Memoranda: | ||
| Average total assets | $78,601,750 | 4,268 |
| Average earning assets | $73,002,750 | 4,254 |
| Average equity | $8,479,250 | 4,393 |
| Average total loans | $56,428,500 | 3,995 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2454% | 523 |
| Cost of funding earning assets | 0.8632% | 1,529 |
| Net interest margin | 4.3822% | 645 |
| Noninterest income to average assets | 0.4478% | 2,816 |
| Noninterest expense to average assets | 4.0762% | 379 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4195% | 4,189 |
| Return on assets (ROA) | 0.4195% | 4,251 |
| Pretax return on assets | 0.4478% | 4,335 |
| Return on Equity (ROE) | 3.8616% | 4,146 |
| Retained earnings to average equity (ytd only) | -0.4264% | 4,390 |
| Net charge-offs to loans | -0.0427% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1024% | 384 |
| Assets per employee ($millions) | 3.6817% | 4,565 |
| Cash dividends to net income (ytd only)* | 111.0429% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 1,774 |
| Loan loss allowance to noncurrent loans | 96.4720% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 1.1284% | 1,001 |
| Noncurrent loans to loans | 1.4006% | 1,104 |
| Net loans and leases to total assets | 71.4771% | 1,801 |
| Net loans and leases to deposits | 88.5272% | 1,499 |
| Net loans and leases to core deposits | 91.5220% | 1,946 |
| Total domestic deposits to total assets | 80.7403% | 3,673 |
| Equity capital to assets | 10.5052% | 2,740 |
| Core capital (leverage) ratio | 9.7987% | 3,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0020% | 1,817 |
| Memoranda: | ||
| Average total assets | $77,720,333 | 4,283 |
| Average earning assets | $72,291,667 | 4,270 |
| Average equity | $8,442,000 | 4,414 |
| Average total loans | $56,264,333 | 4,013 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2686% | 588 |
| Cost of funding earning assets | 0.9045% | 1,839 |
| Net interest margin | 4.3641% | 673 |
| Noninterest income to average assets | 0.5626% | 2,220 |
| Noninterest expense to average assets | 4.3848% | 338 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2156% | 4,503 |
| Return on assets (ROA) | 0.2156% | 4,514 |
| Pretax return on assets | 0.2366% | 4,529 |
| Return on Equity (ROE) | 1.9504% | 4,455 |
| Retained earnings to average equity (ytd only) | -2.0455% | 4,261 |
| Net charge-offs to loans | -0.0509% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8805% | 352 |
| Assets per employee ($millions) | 3.5556% | 4,434 |
| Cash dividends to net income (ytd only)* | 204.8780% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 1,662 |
| Loan loss allowance to noncurrent loans | 183.6830% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.7133% | 1,883 |
| Noncurrent loans to loans | 0.7672% | 2,081 |
| Net loans and leases to total assets | 70.4809% | 2,176 |
| Net loans and leases to deposits | 88.0297% | 1,748 |
| Net loans and leases to core deposits | 91.1380% | 2,233 |
| Total domestic deposits to total assets | 80.0649% | 3,845 |
| Equity capital to assets | 10.7959% | 3,052 |
| Core capital (leverage) ratio | 10.2598% | 3,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5729% | 1,729 |
| Memoranda: | ||
| Average total assets | $76,081,500 | 4,314 |
| Average earning assets | $70,758,500 | 4,302 |
| Average equity | $8,408,500 | 4,442 |
| Average total loans | $55,052,500 | 4,051 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4239% | 640 |
| Cost of funding earning assets | 0.9082% | 2,159 |
| Net interest margin | 4.5157% | 698 |
| Noninterest income to average assets | 0.6851% | 1,864 |
| Noninterest expense to average assets | 4.2352% | 410 |
| Loan and lease loss provision to assets | 0.0411% | 3,192 |
| Net operating income to assets | 0.6043% | 4,146 |
| Return on assets (ROA) | 0.6043% | 4,206 |
| Pretax return on assets | 0.6125% | 4,395 |
| Return on Equity (ROE) | 5.4483% | 4,084 |
| Retained earnings to average equity (ytd only) | 2.0385% | 3,985 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6312% | 511 |
| Assets per employee ($millions) | 3.0808% | 4,778 |
| Cash dividends to net income (ytd only)* | 62.5850% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4414% | 1,386 |
| Loan loss allowance to noncurrent loans | 157.7778% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.8439% | 1,520 |
| Noncurrent loans to loans | 0.9136% | 1,681 |
| Net loans and leases to total assets | 72.2258% | 2,057 |
| Net loans and leases to deposits | 86.8144% | 1,994 |
| Net loans and leases to core deposits | 90.3069% | 2,397 |
| Total domestic deposits to total assets | 83.1956% | 3,140 |
| Equity capital to assets | 11.3228% | 2,684 |
| Core capital (leverage) ratio | 10.4608% | 2,997 |
| Tier 1 risk-based capital ratio | 14.9725% | 2,791 |
| Total risk-based capital ratio | 16.2249% | 2,728 |
| Memoranda: | ||
| Average total assets | $72,983,000 | 4,386 |
| Average earning assets | $67,940,000 | 4,373 |
| Average equity | $8,094,200 | 4,495 |
| Average total loans | $52,799,800 | 4,128 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3877% | 722 |
| Cost of funding earning assets | 0.9032% | 2,217 |
| Net interest margin | 4.4845% | 798 |
| Noninterest income to average assets | 0.7203% | 1,699 |
| Noninterest expense to average assets | 4.3641% | 338 |
| Loan and lease loss provision to assets | 0.0550% | 2,811 |
| Net operating income to assets | 0.4601% | 4,610 |
| Return on assets (ROA) | 0.4601% | 4,640 |
| Pretax return on assets | 0.4784% | 4,726 |
| Return on Equity (ROE) | 4.1703% | 4,560 |
| Retained earnings to average equity (ytd only) | -0.4153% | 4,802 |
| Net charge-offs to loans | 0.0127% | 2,917 |
| Credit loss provision to net charge-offs | 600.0000% | 537 |
| Earnings coverage of net charge-offs (x) | 58.1694% | 1,074 |
| Efficiency ratio | 89.1093% | 361 |
| Assets per employee ($millions) | 3.0839% | 4,849 |
| Cash dividends to net income (ytd only)* | 109.9594% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 1,363 |
| Loan loss allowance to noncurrent loans | 224.2775% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.6864% | 1,976 |
| Noncurrent loans to loans | 0.6509% | 2,330 |
| Net loans and leases to total assets | 70.7714% | 2,364 |
| Net loans and leases to deposits | 85.0118% | 2,321 |
| Net loans and leases to core deposits | 88.4260% | 2,691 |
| Total domestic deposits to total assets | 83.2489% | 3,081 |
| Equity capital to assets | 11.0670% | 3,044 |
| Core capital (leverage) ratio | 10.4009% | 3,200 |
| Tier 1 risk-based capital ratio | 14.8695% | 2,913 |
| Total risk-based capital ratio | 16.1228% | 2,837 |
| Memoranda: | ||
| Average total assets | $72,744,000 | 4,443 |
| Average earning assets | $67,757,500 | 4,429 |
| Average equity | $8,024,750 | 4,554 |
| Average total loans | $52,453,750 | 4,177 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3690% | 715 |
| Cost of funding earning assets | 0.8543% | 2,380 |
| Net interest margin | 4.5147% | 749 |
| Noninterest income to average assets | 0.5807% | 2,240 |
| Noninterest expense to average assets | 4.3390% | 356 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4397% | 4,658 |
| Return on assets (ROA) | 0.4397% | 4,684 |
| Pretax return on assets | 0.4508% | 4,762 |
| Return on Equity (ROE) | 3.9903% | 4,588 |
| Retained earnings to average equity (ytd only) | -1.3050% | 4,860 |
| Net charge-offs to loans | 0.0498% | 1,935 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 12.5385% | 2,148 |
| Efficiency ratio | 90.5889% | 331 |
| Assets per employee ($millions) | 3.0562% | 4,875 |
| Cash dividends to net income (ytd only)* | 132.7044% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 1,701 |
| Loan loss allowance to noncurrent loans | 182.6733% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.8166% | 1,726 |
| Noncurrent loans to loans | 0.7547% | 2,096 |
| Net loans and leases to total assets | 71.9751% | 2,216 |
| Net loans and leases to deposits | 85.1651% | 2,352 |
| Net loans and leases to core deposits | 88.5640% | 2,743 |
| Total domestic deposits to total assets | 84.5124% | 2,680 |
| Equity capital to assets | 11.0472% | 2,998 |
| Core capital (leverage) ratio | 10.3918% | 3,199 |
| Tier 1 risk-based capital ratio | 14.6540% | 2,991 |
| Total risk-based capital ratio | 15.9051% | 2,918 |
| Memoranda: | ||
| Average total assets | $72,321,000 | 4,480 |
| Average earning assets | $67,424,330 | 4,472 |
| Average equity | $7,969,330 | 4,583 |
| Average total loans | $52,219,670 | 4,214 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2878% | 775 |
| Cost of funding earning assets | 0.7947% | 2,564 |
| Net interest margin | 4.4931% | 753 |
| Noninterest income to average assets | 0.5793% | 2,145 |
| Noninterest expense to average assets | 4.7349% | 250 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0111% | 5,140 |
| Return on assets (ROA) | 0.0111% | 5,143 |
| Pretax return on assets | 0.0334% | 5,127 |
| Return on Equity (ROE) | 0.1012% | 5,145 |
| Retained earnings to average equity (ytd only) | -6.1246% | 4,981 |
| Net charge-offs to loans | 0.0310% | 1,830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 2,588 |
| Efficiency ratio | 99.2991% | 184 |
| Assets per employee ($millions) | 3.2166% | 4,823 |
| Cash dividends to net income (ytd only)* | 6,150.0000% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 1,712 |
| Loan loss allowance to noncurrent loans | 168.2432% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.8624% | 1,645 |
| Noncurrent loans to loans | 0.8262% | 1,988 |
| Net loans and leases to total assets | 71.6255% | 2,225 |
| Net loans and leases to deposits | 84.9172% | 2,273 |
| Net loans and leases to core deposits | 88.2784% | 2,655 |
| Total domestic deposits to total assets | 84.3475% | 2,924 |
| Equity capital to assets | 10.7121% | 3,152 |
| Core capital (leverage) ratio | 10.5982% | 2,944 |
| Tier 1 risk-based capital ratio | 14.3686% | 3,160 |
| Total risk-based capital ratio | 15.6202% | 3,088 |
| Memoranda: | ||
| Average total assets | $71,807,000 | 4,537 |
| Average earning assets | $66,947,000 | 4,530 |
| Average equity | $7,902,500 | 4,625 |
| Average total loans | $51,564,000 | 4,272 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2783% | 605 |
| Cost of funding earning assets | 0.6371% | 2,483 |
| Net interest margin | 4.6412% | 553 |
| Noninterest income to average assets | 0.5289% | 2,663 |
| Noninterest expense to average assets | 4.2767% | 372 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5507% | 4,548 |
| Return on assets (ROA) | 0.5204% | 4,617 |
| Pretax return on assets | 0.5388% | 4,740 |
| Return on Equity (ROE) | 4.7297% | 4,524 |
| Retained earnings to average equity (ytd only) | 0.9795% | 4,708 |
| Net charge-offs to loans | 0.1470% | 1,302 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 5.6620% | 3,169 |
| Efficiency ratio | 88.2387% | 422 |
| Assets per employee ($millions) | 2.9013% | 5,043 |
| Cash dividends to net income (ytd only)* | 79.2916% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 1,252 |
| Loan loss allowance to noncurrent loans | 553.3333% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 2,844 |
| Noncurrent loans to loans | 0.2733% | 3,597 |
| Net loans and leases to total assets | 69.8587% | 2,582 |
| Net loans and leases to deposits | 82.7363% | 2,647 |
| Net loans and leases to core deposits | 85.4633% | 2,957 |
| Total domestic deposits to total assets | 84.4353% | 2,856 |
| Equity capital to assets | 11.3166% | 2,402 |
| Core capital (leverage) ratio | 10.9378% | 2,588 |
| Tier 1 risk-based capital ratio | 11.9049% | 4,492 |
| Total risk-based capital ratio | 13.0705% | 4,431 |
| Memoranda: | ||
| Average total assets | $70,522,200 | 4,576 |
| Average earning assets | $65,608,400 | 4,566 |
| Average equity | $7,759,400 | 4,639 |
| Average total loans | $48,284,400 | 4,346 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2587% | 559 |
| Cost of funding earning assets | 0.6036% | 2,448 |
| Net interest margin | 4.6550% | 520 |
| Noninterest income to average assets | 0.4636% | 3,079 |
| Noninterest expense to average assets | 4.3555% | 336 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4140% | 4,927 |
| Return on assets (ROA) | 0.3751% | 4,993 |
| Pretax return on assets | 0.3977% | 5,033 |
| Return on Equity (ROE) | 3.4328% | 4,939 |
| Retained earnings to average equity (ytd only) | -1.5870% | 5,170 |
| Net charge-offs to loans | 0.2027% | 838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 3.1918% | 3,185 |
| Efficiency ratio | 90.8412% | 303 |
| Assets per employee ($millions) | 3.1007% | 4,963 |
| Cash dividends to net income (ytd only)* | 146.2292% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 1,267 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 2,818 |
| Noncurrent loans to loans | 0.6098% | 2,557 |
| Net loans and leases to total assets | 67.9366% | 2,951 |
| Net loans and leases to deposits | 82.4959% | 2,763 |
| Net loans and leases to core deposits | 85.2180% | 3,069 |
| Total domestic deposits to total assets | 82.3515% | 3,508 |
| Equity capital to assets | 10.6401% | 3,000 |
| Core capital (leverage) ratio | 10.5004% | 3,086 |
| Tier 1 risk-based capital ratio | 15.3114% | 2,735 |
| Total risk-based capital ratio | 16.5630% | 2,657 |
| Memoranda: | ||
| Average total assets | $70,744,750 | 4,618 |
| Average earning assets | $65,820,000 | 4,609 |
| Average equity | $7,729,250 | 4,692 |
| Average total loans | $48,007,750 | 4,400 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1822% | 569 |
| Cost of funding earning assets | 0.5599% | 2,518 |
| Net interest margin | 4.6223% | 526 |
| Noninterest income to average assets | 0.4280% | 3,308 |
| Noninterest expense to average assets | 4.3144% | 354 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3793% | 5,000 |
| Return on assets (ROA) | 0.3232% | 5,083 |
| Pretax return on assets | 0.3572% | 5,097 |
| Return on Equity (ROE) | 2.9320% | 5,038 |
| Retained earnings to average equity (ytd only) | -1.7489% | 5,130 |
| Net charge-offs to loans | 0.0966% | 1,387 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 6.4348% | 2,627 |
| Efficiency ratio | 91.1377% | 332 |
| Assets per employee ($millions) | 3.2563% | 4,873 |
| Cash dividends to net income (ytd only)* | 159.6491% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6127% | 1,076 |
| Loan loss allowance to noncurrent loans | 155.6420% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.7622% | 1,957 |
| Noncurrent loans to loans | 1.0362% | 1,695 |
| Net loans and leases to total assets | 68.1273% | 2,846 |
| Net loans and leases to deposits | 80.0030% | 2,949 |
| Net loans and leases to core deposits | 82.5413% | 3,199 |
| Total domestic deposits to total assets | 85.1559% | 2,617 |
| Equity capital to assets | 10.7317% | 2,900 |
| Core capital (leverage) ratio | 10.6647% | 2,848 |
| Tier 1 risk-based capital ratio | 15.3185% | 2,720 |
| Total risk-based capital ratio | 16.5729% | 2,652 |
| Memoranda: | ||
| Average total assets | $70,554,670 | 4,676 |
| Average earning assets | $65,725,000 | 4,664 |
| Average equity | $7,776,330 | 4,732 |
| Average total loans | $47,610,670 | 4,450 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1620% | 531 |
| Cost of funding earning assets | 0.5463% | 2,437 |
| Net interest margin | 4.6158% | 485 |
| Noninterest income to average assets | 0.4228% | 3,292 |
| Noninterest expense to average assets | 4.5820% | 277 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0686% | 5,347 |
| Return on assets (ROA) | 0.0686% | 5,344 |
| Pretax return on assets | 0.1371% | 5,315 |
| Return on Equity (ROE) | 0.6138% | 5,343 |
| Retained earnings to average equity (ytd only) | -4.9613% | 5,202 |
| Net charge-offs to loans | 0.2574% | 597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 0.8000% | 2,614 |
| Efficiency ratio | 97.0944% | 224 |
| Assets per employee ($millions) | 3.0792% | 5,105 |
| Cash dividends to net income (ytd only)* | 908.3333% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 997 |
| Loan loss allowance to noncurrent loans | 307.3643% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.8274% | 1,909 |
| Noncurrent loans to loans | 0.5463% | 2,888 |
| Net loans and leases to total assets | 65.5700% | 3,107 |
| Net loans and leases to deposits | 74.1703% | 3,400 |
| Net loans and leases to core deposits | 76.1466% | 3,658 |
| Total domestic deposits to total assets | 88.4047% | 1,406 |
| Equity capital to assets | 10.8497% | 2,722 |
| Core capital (leverage) ratio | 10.6603% | 2,779 |
| Tier 1 risk-based capital ratio | 15.4870% | 2,667 |
| Total risk-based capital ratio | 16.7414% | 2,605 |
| Memoranda: | ||
| Average total assets | $70,013,000 | 4,737 |
| Average earning assets | $65,168,000 | 4,729 |
| Average equity | $7,820,500 | 4,776 |
| Average total loans | $46,613,500 | 4,518 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1172% | 516 |
| Cost of funding earning assets | 0.5572% | 1,900 |
| Net interest margin | 4.5601% | 545 |
| Noninterest income to average assets | 0.3952% | 3,669 |
| Noninterest expense to average assets | 4.1820% | 422 |
| Loan and lease loss provision to assets | 0.0561% | 3,109 |
| Net operating income to assets | 0.3896% | 4,730 |
| Return on assets (ROA) | 0.3910% | 4,736 |
| Pretax return on assets | 0.3910% | 5,100 |
| Return on Equity (ROE) | 3.5469% | 4,667 |
| Retained earnings to average equity (ytd only) | 2.4917% | 3,835 |
| Net charge-offs to loans | -0.0174% | 4,917 |
| Credit loss provision to net charge-offs | -500.0000% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3695% | 417 |
| Assets per employee ($millions) | 2.8835% | 5,270 |
| Cash dividends to net income (ytd only)* | 29.7491% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7893% | 791 |
| Loan loss allowance to noncurrent loans | 140.4437% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 1.3511% | 1,059 |
| Noncurrent loans to loans | 1.2740% | 1,379 |
| Net loans and leases to total assets | 65.2751% | 3,188 |
| Net loans and leases to deposits | 75.0332% | 3,426 |
| Net loans and leases to core deposits | 77.1147% | 3,658 |
| Total domestic deposits to total assets | 86.9950% | 1,999 |
| Equity capital to assets | 11.4979% | 2,204 |
| Core capital (leverage) ratio | 10.8450% | 2,476 |
| Tier 1 risk-based capital ratio | 15.9532% | 2,445 |
| Total risk-based capital ratio | 17.2098% | 2,388 |
| Memoranda: | ||
| Average total assets | $71,353,600 | 4,756 |
| Average earning assets | $66,227,200 | 4,739 |
| Average equity | $7,866,000 | 4,806 |
| Average total loans | $46,067,000 | 4,566 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1122% | 492 |
| Cost of funding earning assets | 0.5598% | 1,811 |
| Net interest margin | 4.5524% | 534 |
| Noninterest income to average assets | 0.3208% | 4,241 |
| Noninterest expense to average assets | 4.3843% | 347 |
| Loan and lease loss provision to assets | 0.0742% | 2,585 |
| Net operating income to assets | 0.0762% | 5,462 |
| Return on assets (ROA) | 0.0779% | 5,470 |
| Pretax return on assets | 0.0872% | 5,467 |
| Return on Equity (ROE) | 0.7140% | 5,464 |
| Retained earnings to average equity (ytd only) | -0.6970% | 5,317 |
| Net charge-offs to loans | -0.0087% | 4,595 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4898% | 240 |
| Assets per employee ($millions) | 2.9468% | 5,303 |
| Cash dividends to net income (ytd only)* | 197.6071% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7655% | 910 |
| Loan loss allowance to noncurrent loans | 174.0426% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 1.1707% | 1,410 |
| Noncurrent loans to loans | 1.0144% | 1,919 |
| Net loans and leases to total assets | 64.3544% | 3,339 |
| Net loans and leases to deposits | 73.6890% | 3,608 |
| Net loans and leases to core deposits | 75.6801% | 3,824 |
| Total domestic deposits to total assets | 87.3324% | 1,709 |
| Equity capital to assets | 11.0613% | 2,806 |
| Core capital (leverage) ratio | 10.2346% | 3,269 |
| Tier 1 risk-based capital ratio | 16.8261% | 2,212 |
| Total risk-based capital ratio | 18.0842% | 2,164 |
| Memoranda: | ||
| Average total assets | $71,891,000 | 4,795 |
| Average earning assets | $66,689,000 | 4,781 |
| Average equity | $7,843,250 | 4,857 |
| Average total loans | $46,084,750 | 4,608 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0743% | 499 |
| Cost of funding earning assets | 0.5492% | 1,781 |
| Net interest margin | 4.5251% | 538 |
| Noninterest income to average assets | 0.4538% | 3,327 |
| Noninterest expense to average assets | 4.3193% | 364 |
| Loan and lease loss provision to assets | 0.1107% | 1,846 |
| Net operating income to assets | 0.2075% | 5,385 |
| Return on assets (ROA) | 0.2075% | 5,400 |
| Pretax return on assets | 0.2186% | 5,415 |
| Return on Equity (ROE) | 1.9108% | 5,354 |
| Retained earnings to average equity (ytd only) | -0.2038% | 5,106 |
| Net charge-offs to loans | -0.0565% | 5,226 |
| Credit loss provision to net charge-offs | -307.6923% | 4,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9167% | 330 |
| Assets per employee ($millions) | 3.0243% | 5,249 |
| Cash dividends to net income (ytd only)* | 110.6667% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7552% | 972 |
| Loan loss allowance to noncurrent loans | 250.9091% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 1.1573% | 1,486 |
| Noncurrent loans to loans | 0.6995% | 2,653 |
| Net loans and leases to total assets | 63.8547% | 3,406 |
| Net loans and leases to deposits | 73.0449% | 3,644 |
| Net loans and leases to core deposits | 74.9648% | 3,860 |
| Total domestic deposits to total assets | 87.4184% | 1,756 |
| Equity capital to assets | 10.8898% | 2,938 |
| Core capital (leverage) ratio | 10.1898% | 3,294 |
| Tier 1 risk-based capital ratio | 15.1822% | 2,847 |
| Total risk-based capital ratio | 16.4381% | 2,783 |
| Memoranda: | ||
| Average total assets | $72,280,000 | 4,816 |
| Average earning assets | $67,004,330 | 4,802 |
| Average equity | $7,850,000 | 4,879 |
| Average total loans | $46,002,330 | 4,637 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1487% | 413 |
| Cost of funding earning assets | 0.5394% | 1,790 |
| Net interest margin | 4.6092% | 435 |
| Noninterest income to average assets | 0.6655% | 2,120 |
| Noninterest expense to average assets | 4.5252% | 325 |
| Loan and lease loss provision to assets | 0.1664% | 1,074 |
| Net operating income to assets | 0.2218% | 5,363 |
| Return on assets (ROA) | 0.2218% | 5,374 |
| Pretax return on assets | 0.2385% | 5,393 |
| Return on Equity (ROE) | 2.0453% | 5,326 |
| Retained earnings to average equity (ytd only) | 2.0453% | 4,319 |
| Net charge-offs to loans | 0.0440% | 1,953 |
| Credit loss provision to net charge-offs | 600.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 14.6000% | 1,717 |
| Efficiency ratio | 91.7885% | 462 |
| Assets per employee ($millions) | 3.0181% | 5,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7486% | 1,059 |
| Loan loss allowance to noncurrent loans | 224.7191% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 1.5890% | 981 |
| Noncurrent loans to loans | 0.7781% | 2,517 |
| Net loans and leases to total assets | 62.0565% | 3,527 |
| Net loans and leases to deposits | 71.7845% | 3,629 |
| Net loans and leases to core deposits | 73.6970% | 3,859 |
| Total domestic deposits to total assets | 86.4484% | 2,467 |
| Equity capital to assets | 10.8747% | 2,773 |
| Core capital (leverage) ratio | 10.2813% | 3,139 |
| Tier 1 risk-based capital ratio | 15.1869% | 2,881 |
| Total risk-based capital ratio | 16.4412% | 2,813 |
| Memoranda: | ||
| Average total assets | $72,129,000 | 4,867 |
| Average earning assets | $66,735,500 | 4,862 |
| Average equity | $7,823,000 | 4,930 |
| Average total loans | $45,416,000 | 4,693 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1827% | 427 |
| Cost of funding earning assets | 0.5580% | 1,617 |
| Net interest margin | 4.6248% | 483 |
| Noninterest income to average assets | 0.2336% | 5,015 |
| Noninterest expense to average assets | 4.3467% | 431 |
| Loan and lease loss provision to assets | 0.1659% | 1,482 |
| Net operating income to assets | -0.0058% | 5,649 |
| Return on assets (ROA) | -0.0014% | 5,666 |
| Pretax return on assets | -0.0207% | 5,665 |
| Return on Equity (ROE) | -0.0123% | 5,666 |
| Retained earnings to average equity (ytd only) | -1.7603% | 5,514 |
| Net charge-offs to loans | 0.2693% | 1,026 |
| Credit loss provision to net charge-offs | 96.7742% | 2,666 |
| Earnings coverage of net charge-offs (x) | 0.8065% | 4,073 |
| Efficiency ratio | 96.9174% | 285 |
| Assets per employee ($millions) | 2.9927% | 5,361 |
| Cash dividends to net income (ytd only)* | -14,200.0000% | 5,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 1,103 |
| Loan loss allowance to noncurrent loans | 107.4896% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 2.0606% | 653 |
| Noncurrent loans to loans | 1.5993% | 1,230 |
| Net loans and leases to total assets | 61.6883% | 3,649 |
| Net loans and leases to deposits | 71.3651% | 3,773 |
| Net loans and leases to core deposits | 73.2832% | 3,983 |
| Total domestic deposits to total assets | 86.4405% | 2,400 |
| Equity capital to assets | 10.8167% | 2,797 |
| Core capital (leverage) ratio | 10.2652% | 3,151 |
| Tier 1 risk-based capital ratio | 15.2736% | 2,848 |
| Total risk-based capital ratio | 16.5276% | 2,780 |
| Memoranda: | ||
| Average total assets | $72,331,000 | 4,882 |
| Average earning assets | $66,490,000 | 4,883 |
| Average equity | $8,123,800 | 4,911 |
| Average total loans | $46,043,200 | 4,688 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2302% | 406 |
| Cost of funding earning assets | 0.5615% | 1,599 |
| Net interest margin | 4.6687% | 453 |
| Noninterest income to average assets | 0.1178% | 5,650 |
| Noninterest expense to average assets | 4.5745% | 359 |
| Loan and lease loss provision to assets | 0.1656% | 1,377 |
| Net operating income to assets | -0.3196% | 5,829 |
| Return on assets (ROA) | -0.3110% | 5,836 |
| Pretax return on assets | -0.3294% | 5,824 |
| Return on Equity (ROE) | -2.7437% | 5,830 |
| Retained earnings to average equity (ytd only) | -5.0491% | 5,740 |
| Net charge-offs to loans | 0.2823% | 815 |
| Credit loss provision to net charge-offs | 91.8367% | 2,502 |
| Earnings coverage of net charge-offs (x) | -0.9592% | 3,852 |
| Efficiency ratio | 103.9298% | 177 |
| Assets per employee ($millions) | 2.9807% | 5,405 |
| Cash dividends to net income (ytd only)* | -84.0234% | 5,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7205% | 1,168 |
| Loan loss allowance to noncurrent loans | 173.2584% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 1.7683% | 940 |
| Noncurrent loans to loans | 0.9930% | 2,260 |
| Net loans and leases to total assets | 61.5648% | 3,681 |
| Net loans and leases to deposits | 70.0542% | 3,981 |
| Net loans and leases to core deposits | 71.9131% | 4,169 |
| Total domestic deposits to total assets | 87.8816% | 1,461 |
| Equity capital to assets | 11.2964% | 2,707 |
| Core capital (leverage) ratio | 10.0152% | 3,552 |
| Tier 1 risk-based capital ratio | 14.5594% | 3,260 |
| Total risk-based capital ratio | 15.8128% | 3,195 |
| Memoranda: | ||
| Average total assets | $72,457,750 | 4,920 |
| Average earning assets | $66,483,500 | 4,920 |
| Average equity | $8,212,500 | 4,944 |
| Average total loans | $46,283,500 | 4,722 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2522% | 392 |
| Cost of funding earning assets | 0.5612% | 1,603 |
| Net interest margin | 4.6910% | 426 |
| Noninterest income to average assets | -0.1484% | 6,036 |
| Noninterest expense to average assets | 4.5132% | 383 |
| Loan and lease loss provision to assets | 0.1649% | 1,365 |
| Net operating income to assets | -0.5024% | 5,920 |
| Return on assets (ROA) | -0.4920% | 5,923 |
| Pretax return on assets | -0.5195% | 5,923 |
| Return on Equity (ROE) | -4.3361% | 5,921 |
| Retained earnings to average equity (ytd only) | -7.7759% | 5,834 |
| Net charge-offs to loans | 0.4233% | 538 |
| Credit loss provision to net charge-offs | 60.6061% | 2,571 |
| Earnings coverage of net charge-offs (x) | -1.3434% | 3,595 |
| Efficiency ratio | 108.8138% | 149 |
| Assets per employee ($millions) | 3.0074% | 5,425 |
| Cash dividends to net income (ytd only)* | -79.3296% | 6,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5961% | 1,535 |
| Loan loss allowance to noncurrent loans | 155.4622% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 1.7485% | 1,007 |
| Noncurrent loans to loans | 1.0267% | 2,236 |
| Net loans and leases to total assets | 63.2076% | 3,473 |
| Net loans and leases to deposits | 71.7767% | 3,806 |
| Net loans and leases to core deposits | 73.6599% | 4,013 |
| Total domestic deposits to total assets | 88.0615% | 1,402 |
| Equity capital to assets | 11.3109% | 2,731 |
| Core capital (leverage) ratio | 9.9762% | 3,591 |
| Tier 1 risk-based capital ratio | 12.1083% | 4,763 |
| Total risk-based capital ratio | 13.3564% | 4,679 |
| Memoranda: | ||
| Average total assets | $72,765,000 | 4,965 |
| Average earning assets | $66,638,330 | 4,961 |
| Average equity | $8,256,330 | 4,981 |
| Average total loans | $46,774,000 | 4,748 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3604% | 315 |
| Cost of funding earning assets | 0.5709% | 1,535 |
| Net interest margin | 4.7895% | 364 |
| Noninterest income to average assets | 0.7720% | 1,722 |
| Noninterest expense to average assets | 4.6429% | 346 |
| Loan and lease loss provision to assets | 0.1643% | 1,260 |
| Net operating income to assets | 0.3066% | 5,286 |
| Return on assets (ROA) | 0.3066% | 5,369 |
| Pretax return on assets | 0.3285% | 5,452 |
| Return on Equity (ROE) | 2.6980% | 5,332 |
| Retained earnings to average equity (ytd only) | -1.4935% | 5,335 |
| Net charge-offs to loans | 0.1362% | 1,292 |
| Credit loss provision to net charge-offs | 187.5000% | 1,123 |
| Earnings coverage of net charge-offs (x) | 5.6250% | 2,316 |
| Efficiency ratio | 90.4051% | 649 |
| Assets per employee ($millions) | 3.3078% | 5,115 |
| Cash dividends to net income (ytd only)* | 155.3571% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6864% | 1,396 |
| Loan loss allowance to noncurrent loans | 113.5521% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 3.4519% | 328 |
| Noncurrent loans to loans | 1.4851% | 1,587 |
| Net loans and leases to total assets | 63.7699% | 3,270 |
| Net loans and leases to deposits | 72.6695% | 3,579 |
| Net loans and leases to core deposits | 74.5670% | 3,831 |
| Total domestic deposits to total assets | 87.7534% | 1,779 |
| Equity capital to assets | 11.4689% | 2,470 |
| Core capital (leverage) ratio | 10.2630% | 3,247 |
| Tier 1 risk-based capital ratio | 12.4494% | 4,620 |
| Total risk-based capital ratio | 13.6996% | 4,522 |
| Memoranda: | ||
| Average total assets | $73,058,500 | 4,999 |
| Average earning assets | $66,562,500 | 5,007 |
| Average equity | $8,302,500 | 4,995 |
| Average total loans | $46,980,000 | 4,765 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3726% | 334 |
| Cost of funding earning assets | 0.6248% | 1,208 |
| Net interest margin | 4.7478% | 418 |
| Noninterest income to average assets | 0.2872% | 4,835 |
| Noninterest expense to average assets | 4.4675% | 422 |
| Loan and lease loss provision to assets | 0.3996% | 339 |
| Net operating income to assets | -0.2378% | 5,975 |
| Return on assets (ROA) | 0.3075% | 5,419 |
| Pretax return on assets | 0.3156% | 5,492 |
| Return on Equity (ROE) | 2.6669% | 5,408 |
| Retained earnings to average equity (ytd only) | -3.7713% | 5,859 |
| Net charge-offs to loans | 0.8685% | 248 |
| Credit loss provision to net charge-offs | 71.7762% | 3,090 |
| Earnings coverage of net charge-offs (x) | 0.2749% | 4,243 |
| Efficiency ratio | 96.6872% | 376 |
| Assets per employee ($millions) | 3.3339% | 5,094 |
| Cash dividends to net income (ytd only)* | 241.4097% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6724% | 1,411 |
| Loan loss allowance to noncurrent loans | 119.0259% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 3.3649% | 360 |
| Noncurrent loans to loans | 1.4051% | 1,660 |
| Net loans and leases to total assets | 62.6837% | 3,465 |
| Net loans and leases to deposits | 72.4682% | 3,668 |
| Net loans and leases to core deposits | 74.3732% | 3,903 |
| Total domestic deposits to total assets | 86.4982% | 2,381 |
| Equity capital to assets | 11.2603% | 2,575 |
| Core capital (leverage) ratio | 10.3861% | 3,067 |
| Tier 1 risk-based capital ratio | 12.6197% | 4,562 |
| Total risk-based capital ratio | 13.8699% | 4,451 |
| Memoranda: | ||
| Average total assets | $73,822,800 | 4,992 |
| Average earning assets | $67,378,400 | 5,001 |
| Average equity | $8,511,600 | 4,957 |
| Average total loans | $47,321,400 | 4,748 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3958% | 320 |
| Cost of funding earning assets | 0.6434% | 1,133 |
| Net interest margin | 4.7524% | 417 |
| Noninterest income to average assets | 0.1082% | 5,925 |
| Noninterest expense to average assets | 4.2591% | 510 |
| Loan and lease loss provision to assets | 0.4778% | 220 |
| Net operating income to assets | -0.2807% | 6,083 |
| Return on assets (ROA) | 0.4526% | 5,053 |
| Pretax return on assets | 0.4616% | 5,320 |
| Return on Equity (ROE) | 3.9029% | 5,061 |
| Retained earnings to average equity (ytd only) | -4.6181% | 6,014 |
| Net charge-offs to loans | 1.1658% | 141 |
| Credit loss provision to net charge-offs | 63.8554% | 2,862 |
| Earnings coverage of net charge-offs (x) | 0.2554% | 3,970 |
| Efficiency ratio | 95.7050% | 425 |
| Assets per employee ($millions) | 3.1051% | 5,422 |
| Cash dividends to net income (ytd only)* | 218.3261% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6130% | 1,743 |
| Loan loss allowance to noncurrent loans | 166.5924% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 3.0553% | 487 |
| Noncurrent loans to loans | 0.9682% | 2,568 |
| Net loans and leases to total assets | 63.8867% | 3,325 |
| Net loans and leases to deposits | 72.8722% | 3,664 |
| Net loans and leases to core deposits | 74.8139% | 3,926 |
| Total domestic deposits to total assets | 87.6696% | 1,714 |
| Equity capital to assets | 11.5799% | 2,432 |
| Core capital (leverage) ratio | 10.4997% | 3,049 |
| Tier 1 risk-based capital ratio | 12.8424% | 4,528 |
| Total risk-based capital ratio | 14.0936% | 4,442 |
| Memoranda: | ||
| Average total assets | $73,942,000 | 5,052 |
| Average earning assets | $67,557,000 | 5,055 |
| Average equity | $8,574,750 | 4,999 |
| Average total loans | $47,462,250 | 4,799 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3370% | 344 |
| Cost of funding earning assets | 0.6660% | 1,018 |
| Net interest margin | 4.6710% | 466 |
| Noninterest income to average assets | -0.1578% | 6,315 |
| Noninterest expense to average assets | 4.1667% | 570 |
| Loan and lease loss provision to assets | 0.6285% | 140 |
| Net operating income to assets | -0.6425% | 6,214 |
| Return on assets (ROA) | 0.4119% | 5,206 |
| Pretax return on assets | 0.4332% | 5,389 |
| Return on Equity (ROE) | 3.5499% | 5,204 |
| Retained earnings to average equity (ytd only) | -4.0801% | 5,980 |
| Net charge-offs to loans | 1.7564% | 84 |
| Credit loss provision to net charge-offs | 55.9524% | 2,639 |
| Earnings coverage of net charge-offs (x) | -0.0429% | 3,715 |
| Efficiency ratio | 101.1688% | 294 |
| Assets per employee ($millions) | 3.0253% | 5,568 |
| Cash dividends to net income (ytd only)* | 214.9351% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 2,304 |
| Loan loss allowance to noncurrent loans | 104.8529% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 3.3192% | 452 |
| Noncurrent loans to loans | 1.4291% | 1,873 |
| Net loans and leases to total assets | 64.5530% | 3,187 |
| Net loans and leases to deposits | 73.2344% | 3,586 |
| Net loans and leases to core deposits | 75.1423% | 3,836 |
| Total domestic deposits to total assets | 88.1458% | 1,577 |
| Equity capital to assets | 11.2854% | 2,583 |
| Core capital (leverage) ratio | 10.3321% | 3,174 |
| Tier 1 risk-based capital ratio | 13.0778% | 4,474 |
| Total risk-based capital ratio | 14.2974% | 4,410 |
| Memoranda: | ||
| Average total assets | $74,783,670 | 5,079 |
| Average earning assets | $68,465,670 | 5,079 |
| Average equity | $8,676,330 | 5,018 |
| Average total loans | $47,825,000 | 4,823 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3800% | 313 |
| Cost of funding earning assets | 0.7357% | 713 |
| Net interest margin | 4.6442% | 456 |
| Noninterest income to average assets | -0.5536% | 6,399 |
| Noninterest expense to average assets | 4.2440% | 529 |
| Loan and lease loss provision to assets | 0.0791% | 2,375 |
| Net operating income to assets | -0.6008% | 6,267 |
| Return on assets (ROA) | 0.9595% | 2,585 |
| Pretax return on assets | 0.9753% | 3,584 |
| Return on Equity (ROE) | 8.1637% | 2,876 |
| Retained earnings to average equity (ytd only) | 1.9736% | 4,688 |
| Net charge-offs to loans | 0.3921% | 624 |
| Credit loss provision to net charge-offs | 31.9149% | 2,257 |
| Earnings coverage of net charge-offs (x) | -2.1702% | 3,209 |
| Efficiency ratio | 114.5092% | 163 |
| Assets per employee ($millions) | 3.0981% | 5,548 |
| Cash dividends to net income (ytd only)* | 75.8242% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8163% | 1,462 |
| Loan loss allowance to noncurrent loans | 687.3016% | 755 |
| Noncurrent assets plus other real estate owned to assets | 2.1787% | 1,057 |
| Noncurrent loans to loans | 0.2643% | 4,834 |
| Net loans and leases to total assets | 62.9588% | 3,242 |
| Net loans and leases to deposits | 72.0577% | 3,529 |
| Net loans and leases to core deposits | 73.9063% | 3,786 |
| Total domestic deposits to total assets | 87.3727% | 2,181 |
| Equity capital to assets | 11.8997% | 2,106 |
| Core capital (leverage) ratio | 10.2346% | 3,298 |
| Tier 1 risk-based capital ratio | 13.6995% | 4,222 |
| Total risk-based capital ratio | 14.9535% | 4,125 |
| Memoranda: | ||
| Average total assets | $75,872,000 | 5,109 |
| Average earning assets | $69,591,500 | 5,102 |
| Average equity | $8,917,500 | 5,011 |
| Average total loans | $47,946,000 | 4,848 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3245% | 433 |
| Cost of funding earning assets | 0.7436% | 875 |
| Net interest margin | 4.5809% | 636 |
| Noninterest income to average assets | 0.4284% | 3,982 |
| Noninterest expense to average assets | 4.0449% | 716 |
| Loan and lease loss provision to assets | 0.0761% | 2,954 |
| Net operating income to assets | 0.5117% | 4,770 |
| Return on assets (ROA) | 0.5324% | 4,761 |
| Pretax return on assets | 0.5539% | 5,094 |
| Return on Equity (ROE) | 4.9419% | 4,697 |
| Retained earnings to average equity (ytd only) | 0.4942% | 5,551 |
| Net charge-offs to loans | 0.0979% | 3,106 |
| Credit loss provision to net charge-offs | 127.6596% | 1,874 |
| Earnings coverage of net charge-offs (x) | 10.2128% | 2,640 |
| Efficiency ratio | 86.9245% | 1,088 |
| Assets per employee ($millions) | 2.8663% | 5,870 |
| Cash dividends to net income (ytd only)* | 90.0000% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8626% | 1,395 |
| Loan loss allowance to noncurrent loans | 136.4742% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 2.8867% | 727 |
| Noncurrent loans to loans | 1.3648% | 2,152 |
| Net loans and leases to total assets | 61.1392% | 3,619 |
| Net loans and leases to deposits | 73.7407% | 3,470 |
| Net loans and leases to core deposits | 75.6568% | 3,751 |
| Total domestic deposits to total assets | 82.9110% | 4,112 |
| Equity capital to assets | 11.6128% | 2,330 |
| Core capital (leverage) ratio | 10.0161% | 3,548 |
| Tier 1 risk-based capital ratio | 13.5509% | 4,385 |
| Total risk-based capital ratio | 14.8052% | 4,314 |
| Memoranda: | ||
| Average total assets | $78,889,800 | 5,095 |
| Average earning assets | $72,758,600 | 5,075 |
| Average equity | $8,498,800 | 5,083 |
| Average total loans | $47,990,200 | 4,881 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3288% | 425 |
| Cost of funding earning assets | 0.7506% | 884 |
| Net interest margin | 4.5782% | 646 |
| Noninterest income to average assets | 0.4087% | 4,174 |
| Noninterest expense to average assets | 3.9798% | 772 |
| Loan and lease loss provision to assets | 0.0757% | 2,830 |
| Net operating income to assets | 0.5562% | 4,648 |
| Return on assets (ROA) | 0.5837% | 4,603 |
| Pretax return on assets | 0.6089% | 5,002 |
| Return on Equity (ROE) | 5.5231% | 4,479 |
| Retained earnings to average equity (ytd only) | -0.4934% | 5,875 |
| Net charge-offs to loans | 0.0334% | 3,818 |
| Credit loss provision to net charge-offs | 375.0000% | 747 |
| Earnings coverage of net charge-offs (x) | 32.4994% | 1,301 |
| Efficiency ratio | 85.8491% | 1,197 |
| Assets per employee ($millions) | 3.0561% | 5,668 |
| Cash dividends to net income (ytd only)* | 108.9331% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8942% | 1,465 |
| Loan loss allowance to noncurrent loans | 360.0000% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 2.1659% | 1,284 |
| Noncurrent loans to loans | 0.5262% | 4,357 |
| Net loans and leases to total assets | 59.8384% | 3,816 |
| Net loans and leases to deposits | 72.7541% | 3,592 |
| Net loans and leases to core deposits | 74.6093% | 3,885 |
| Total domestic deposits to total assets | 82.2474% | 4,397 |
| Equity capital to assets | 11.0497% | 2,899 |
| Core capital (leverage) ratio | 9.7706% | 3,970 |
| Tier 1 risk-based capital ratio | 13.4769% | 4,558 |
| Total risk-based capital ratio | 14.7310% | 4,494 |
| Memoranda: | ||
| Average total assets | $79,265,000 | 5,139 |
| Average earning assets | $73,184,750 | 5,119 |
| Average equity | $8,376,750 | 5,151 |
| Average total loans | $47,934,500 | 4,935 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2619% | 461 |
| Cost of funding earning assets | 0.7638% | 863 |
| Net interest margin | 4.4981% | 709 |
| Noninterest income to average assets | 0.4369% | 3,977 |
| Noninterest expense to average assets | 4.0808% | 696 |
| Loan and lease loss provision to assets | 0.0758% | 2,757 |
| Net operating income to assets | 0.4285% | 5,103 |
| Return on assets (ROA) | 0.4697% | 5,006 |
| Pretax return on assets | 0.4874% | 5,311 |
| Return on Equity (ROE) | 4.5133% | 4,914 |
| Retained earnings to average equity (ytd only) | -2.1838% | 6,017 |
| Net charge-offs to loans | -0.0168% | 5,481 |
| Credit loss provision to net charge-offs | -750.0000% | 5,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6937% | 1,025 |
| Assets per employee ($millions) | 2.9523% | 5,814 |
| Cash dividends to net income (ytd only)* | 148.3871% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8844% | 1,620 |
| Loan loss allowance to noncurrent loans | 129.8023% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 2.3509% | 1,246 |
| Noncurrent loans to loans | 1.4517% | 2,377 |
| Net loans and leases to total assets | 60.0291% | 3,706 |
| Net loans and leases to deposits | 74.0246% | 3,313 |
| Net loans and leases to core deposits | 75.9335% | 3,634 |
| Total domestic deposits to total assets | 81.0934% | 4,951 |
| Equity capital to assets | 10.8339% | 3,048 |
| Core capital (leverage) ratio | 9.7064% | 4,029 |
| Tier 1 risk-based capital ratio | 13.2945% | 4,722 |
| Total risk-based capital ratio | 14.5480% | 4,659 |
| Memoranda: | ||
| Average total assets | $79,200,330 | 5,174 |
| Average earning assets | $73,319,330 | 5,153 |
| Average equity | $8,242,330 | 5,203 |
| Average total loans | $47,757,670 | 4,976 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1798% | 508 |
| Cost of funding earning assets | 0.7767% | 852 |
| Net interest margin | 4.4031% | 802 |
| Noninterest income to average assets | 0.3445% | 4,617 |
| Noninterest expense to average assets | 3.9319% | 819 |
| Loan and lease loss provision to assets | 0.0760% | 2,622 |
| Net operating income to assets | 0.4054% | 5,092 |
| Return on assets (ROA) | 0.4054% | 5,158 |
| Pretax return on assets | 0.4155% | 5,408 |
| Return on Equity (ROE) | 3.9774% | 5,048 |
| Retained earnings to average equity (ytd only) | -4.1265% | 6,072 |
| Net charge-offs to loans | 0.0169% | 3,249 |
| Credit loss provision to net charge-offs | 750.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 48.5000% | 765 |
| Efficiency ratio | 88.8889% | 1,141 |
| Assets per employee ($millions) | 3.0746% | 5,735 |
| Cash dividends to net income (ytd only)* | 203.7500% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8701% | 1,839 |
| Loan loss allowance to noncurrent loans | 82.1592% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 2.6595% | 1,157 |
| Noncurrent loans to loans | 2.2762% | 1,574 |
| Net loans and leases to total assets | 58.9455% | 3,709 |
| Net loans and leases to deposits | 70.8012% | 3,500 |
| Net loans and leases to core deposits | 72.6570% | 3,801 |
| Total domestic deposits to total assets | 83.2549% | 4,518 |
| Equity capital to assets | 10.3503% | 3,401 |
| Core capital (leverage) ratio | 9.8429% | 3,799 |
| Tier 1 risk-based capital ratio | 13.6075% | 4,602 |
| Total risk-based capital ratio | 14.8611% | 4,557 |
| Memoranda: | ||
| Average total assets | $78,944,000 | 5,224 |
| Average earning assets | $73,130,000 | 5,202 |
| Average equity | $8,045,500 | 5,279 |
| Average total loans | $47,251,500 | 5,033 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4256% | 413 |
| Cost of funding earning assets | 0.8982% | 743 |
| Net interest margin | 4.5274% | 698 |
| Noninterest income to average assets | 0.0439% | 6,566 |
| Noninterest expense to average assets | 3.7572% | 1,206 |
| Loan and lease loss provision to assets | 0.0752% | 3,602 |
| Net operating income to assets | 0.3628% | 5,286 |
| Return on assets (ROA) | 0.6469% | 4,156 |
| Pretax return on assets | 0.7133% | 4,491 |
| Return on Equity (ROE) | 6.1341% | 4,006 |
| Retained earnings to average equity (ytd only) | 2.6034% | 4,402 |
| Net charge-offs to loans | 0.1272% | 3,545 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 3,085 |
| Efficiency ratio | 88.7474% | 1,137 |
| Assets per employee ($millions) | 3.1179% | 5,641 |
| Cash dividends to net income (ytd only)* | 57.5581% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9039% | 1,772 |
| Loan loss allowance to noncurrent loans | 125.5319% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 2.2618% | 1,572 |
| Noncurrent loans to loans | 1.5167% | 2,620 |
| Net loans and leases to total assets | 58.4993% | 3,955 |
| Net loans and leases to deposits | 70.4123% | 3,729 |
| Net loans and leases to core deposits | 72.3105% | 4,031 |
| Total domestic deposits to total assets | 83.0810% | 4,521 |
| Equity capital to assets | 10.0285% | 3,733 |
| Core capital (leverage) ratio | 10.0023% | 3,576 |
| Tier 1 risk-based capital ratio | 14.2556% | 4,114 |
| Total risk-based capital ratio | 15.5109% | 4,051 |
| Memoranda: | ||
| Average total assets | $79,767,800 | 5,242 |
| Average earning assets | $73,816,600 | 5,198 |
| Average equity | $8,412,000 | 5,237 |
| Average total loans | $47,155,000 | 5,060 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4233% | 422 |
| Cost of funding earning assets | 0.9201% | 742 |
| Net interest margin | 4.5032% | 735 |
| Noninterest income to average assets | 0.0615% | 6,596 |
| Noninterest expense to average assets | 3.8126% | 1,067 |
| Loan and lease loss provision to assets | 0.0748% | 3,561 |
| Net operating income to assets | 0.3090% | 5,587 |
| Return on assets (ROA) | 0.6897% | 4,046 |
| Pretax return on assets | 0.7529% | 4,478 |
| Return on Equity (ROE) | 6.4635% | 3,948 |
| Retained earnings to average equity (ytd only) | 1.8378% | 5,221 |
| Net charge-offs to loans | 0.1550% | 3,001 |
| Credit loss provision to net charge-offs | 81.8182% | 2,796 |
| Earnings coverage of net charge-offs (x) | 4.5273% | 3,420 |
| Efficiency ratio | 90.2084% | 973 |
| Assets per employee ($millions) | 3.1148% | 5,650 |
| Cash dividends to net income (ytd only)* | 71.5662% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8982% | 2,009 |
| Loan loss allowance to noncurrent loans | 177.4848% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 2.0868% | 1,918 |
| Noncurrent loans to loans | 1.0695% | 3,660 |
| Net loans and leases to total assets | 58.0745% | 4,001 |
| Net loans and leases to deposits | 68.1126% | 4,048 |
| Net loans and leases to core deposits | 69.9025% | 4,333 |
| Total domestic deposits to total assets | 85.2624% | 3,602 |
| Equity capital to assets | 10.3738% | 3,423 |
| Core capital (leverage) ratio | 9.8146% | 3,935 |
| Tier 1 risk-based capital ratio | 14.2655% | 4,242 |
| Total risk-based capital ratio | 15.5197% | 4,182 |
| Memoranda: | ||
| Average total assets | $80,222,750 | 5,283 |
| Average earning assets | $74,196,750 | 5,242 |
| Average equity | $8,560,750 | 5,253 |
| Average total loans | $47,322,750 | 5,097 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4108% | 439 |
| Cost of funding earning assets | 0.9556% | 697 |
| Net interest margin | 4.4552% | 772 |
| Noninterest income to average assets | -0.0741% | 6,842 |
| Noninterest expense to average assets | 3.8367% | 1,051 |
| Loan and lease loss provision to assets | 0.0741% | 3,560 |
| Net operating income to assets | 0.1257% | 6,071 |
| Return on assets (ROA) | 0.6790% | 4,074 |
| Pretax return on assets | 0.7505% | 4,503 |
| Return on Equity (ROE) | 6.3061% | 3,991 |
| Retained earnings to average equity (ytd only) | 2.4078% | 4,767 |
| Net charge-offs to loans | 0.2305% | 2,344 |
| Credit loss provision to net charge-offs | 54.5455% | 3,129 |
| Earnings coverage of net charge-offs (x) | 1.5455% | 4,015 |
| Efficiency ratio | 94.8139% | 718 |
| Assets per employee ($millions) | 3.0580% | 5,754 |
| Cash dividends to net income (ytd only)* | 61.8182% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8032% | 2,425 |
| Loan loss allowance to noncurrent loans | 152.7531% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 2.3293% | 1,851 |
| Noncurrent loans to loans | 1.1805% | 3,584 |
| Net loans and leases to total assets | 58.9015% | 3,841 |
| Net loans and leases to deposits | 68.8544% | 3,883 |
| Net loans and leases to core deposits | 70.6195% | 4,204 |
| Total domestic deposits to total assets | 85.5450% | 3,618 |
| Equity capital to assets | 10.2932% | 3,553 |
| Core capital (leverage) ratio | 9.4925% | 4,256 |
| Tier 1 risk-based capital ratio | 14.0264% | 4,405 |
| Total risk-based capital ratio | 15.2799% | 4,363 |
| Memoranda: | ||
| Average total assets | $81,007,330 | 5,296 |
| Average earning assets | $74,924,000 | 5,252 |
| Average equity | $8,721,670 | 5,238 |
| Average total loans | $47,731,330 | 5,111 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3744% | 448 |
| Cost of funding earning assets | 0.9733% | 693 |
| Net interest margin | 4.4011% | 805 |
| Noninterest income to average assets | 0.1125% | 6,529 |
| Noninterest expense to average assets | 3.6988% | 1,249 |
| Loan and lease loss provision to assets | 0.0734% | 3,406 |
| Net operating income to assets | 0.3131% | 5,525 |
| Return on assets (ROA) | 0.3131% | 5,651 |
| Pretax return on assets | 0.4110% | 5,533 |
| Return on Equity (ROE) | 2.8475% | 5,644 |
| Retained earnings to average equity (ytd only) | 2.0466% | 4,980 |
| Net charge-offs to loans | 0.4105% | 1,425 |
| Credit loss provision to net charge-offs | 30.6122% | 2,880 |
| Earnings coverage of net charge-offs (x) | 2.0204% | 3,156 |
| Efficiency ratio | 88.4211% | 1,283 |
| Assets per employee ($millions) | 2.9658% | 6,048 |
| Cash dividends to net income (ytd only)* | 28.1250% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7722% | 2,725 |
| Loan loss allowance to noncurrent loans | 125.8876% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 2.5312% | 1,815 |
| Noncurrent loans to loans | 1.4077% | 3,454 |
| Net loans and leases to total assets | 56.8014% | 3,962 |
| Net loans and leases to deposits | 68.4452% | 3,718 |
| Net loans and leases to core deposits | 71.0580% | 3,949 |
| Total domestic deposits to total assets | 82.9881% | 4,858 |
| Equity capital to assets | 10.7969% | 3,201 |
| Core capital (leverage) ratio | 9.4862% | 4,110 |
| Tier 1 risk-based capital ratio | 13.9345% | 4,556 |
| Total risk-based capital ratio | 15.1876% | 4,512 |
| Memoranda: | ||
| Average total assets | $81,756,500 | 5,325 |
| Average earning assets | $75,617,500 | 5,278 |
| Average equity | $8,990,500 | 5,225 |
| Average total loans | $47,751,000 | 5,137 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7923% | 370 |
| Cost of funding earning assets | 1.1376% | 778 |
| Net interest margin | 4.6547% | 709 |
| Noninterest income to average assets | 0.2877% | 5,407 |
| Noninterest expense to average assets | 3.9169% | 1,081 |
| Loan and lease loss provision to assets | 0.2171% | 2,960 |
| Net operating income to assets | 0.4073% | 5,070 |
| Return on assets (ROA) | 0.5532% | 4,715 |
| Pretax return on assets | 0.5656% | 5,091 |
| Return on Equity (ROE) | 5.2400% | 4,567 |
| Retained earnings to average equity (ytd only) | 4.3941% | 3,136 |
| Net charge-offs to loans | -0.1292% | 6,882 |
| Credit loss provision to net charge-offs | -273.4375% | 6,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0725% | 1,425 |
| Assets per employee ($millions) | 3.3530% | 5,322 |
| Cash dividends to net income (ytd only)* | 16.1435% | 3,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8639% | 2,410 |
| Loan loss allowance to noncurrent loans | 148.4899% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 2.9228% | 1,627 |
| Noncurrent loans to loans | 1.2552% | 3,739 |
| Net loans and leases to total assets | 57.9053% | 3,995 |
| Net loans and leases to deposits | 70.2164% | 3,678 |
| Net loans and leases to core deposits | 72.9651% | 3,922 |
| Total domestic deposits to total assets | 82.4670% | 4,941 |
| Equity capital to assets | 11.2028% | 2,732 |
| Core capital (leverage) ratio | 9.5824% | 3,989 |
| Tier 1 risk-based capital ratio | 14.0683% | 4,329 |
| Total risk-based capital ratio | 15.3225% | 4,288 |
| Memoranda: | ||
| Average total assets | $80,626,000 | 5,338 |
| Average earning assets | $73,839,600 | 5,316 |
| Average equity | $8,511,400 | 5,360 |
| Average total loans | $49,521,000 | 5,127 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8906% | 340 |
| Cost of funding earning assets | 1.1698% | 798 |
| Net interest margin | 4.7208% | 646 |
| Noninterest income to average assets | 0.5008% | 3,922 |
| Noninterest expense to average assets | 4.2397% | 693 |
| Loan and lease loss provision to assets | 0.2893% | 2,263 |
| Net operating income to assets | 0.2803% | 5,678 |
| Return on assets (ROA) | 0.4727% | 5,204 |
| Pretax return on assets | 0.4859% | 5,502 |
| Return on Equity (ROE) | 4.5474% | 5,023 |
| Retained earnings to average equity (ytd only) | 3.6729% | 4,302 |
| Net charge-offs to loans | -0.0560% | 6,738 |
| Credit loss provision to net charge-offs | -833.3333% | 6,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0233% | 1,192 |
| Assets per employee ($millions) | 3.0770% | 5,907 |
| Cash dividends to net income (ytd only)* | 19.2306% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 2,927 |
| Loan loss allowance to noncurrent loans | 167.3956% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 3.7575% | 1,313 |
| Noncurrent loans to loans | 1.0523% | 4,335 |
| Net loans and leases to total assets | 58.6943% | 4,007 |
| Net loans and leases to deposits | 71.3791% | 3,691 |
| Net loans and leases to core deposits | 73.1015% | 4,101 |
| Total domestic deposits to total assets | 82.2290% | 4,942 |
| Equity capital to assets | 11.1274% | 3,121 |
| Core capital (leverage) ratio | 9.4379% | 4,367 |
| Tier 1 risk-based capital ratio | 13.7740% | 4,704 |
| Total risk-based capital ratio | 15.0275% | 4,657 |
| Memoranda: | ||
| Average total assets | $80,664,750 | 5,385 |
| Average earning assets | $73,743,250 | 5,383 |
| Average equity | $8,385,500 | 5,446 |
| Average total loans | $50,030,750 | 5,165 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8961% | 346 |
| Cost of funding earning assets | 1.2127% | 774 |
| Net interest margin | 4.6834% | 694 |
| Noninterest income to average assets | 0.4772% | 4,078 |
| Noninterest expense to average assets | 4.4680% | 570 |
| Loan and lease loss provision to assets | 0.3091% | 2,136 |
| Net operating income to assets | -0.0074% | 6,327 |
| Return on assets (ROA) | 0.2497% | 5,954 |
| Pretax return on assets | 0.2448% | 6,066 |
| Return on Equity (ROE) | 2.4594% | 5,895 |
| Retained earnings to average equity (ytd only) | 1.5584% | 5,424 |
| Net charge-offs to loans | -0.0118% | 6,309 |
| Credit loss provision to net charge-offs | -4,166.6667% | 6,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7727% | 814 |
| Assets per employee ($millions) | 2.9014% | 6,233 |
| Cash dividends to net income (ytd only)* | 36.6337% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5556% | 3,760 |
| Loan loss allowance to noncurrent loans | 178.3410% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 3.8996% | 1,333 |
| Noncurrent loans to loans | 0.8723% | 4,751 |
| Net loans and leases to total assets | 60.2930% | 3,768 |
| Net loans and leases to deposits | 72.7060% | 3,499 |
| Net loans and leases to core deposits | 74.4181% | 3,962 |
| Total domestic deposits to total assets | 82.9271% | 4,780 |
| Equity capital to assets | 11.1583% | 2,945 |
| Core capital (leverage) ratio | 9.1290% | 4,721 |
| Tier 1 risk-based capital ratio | 13.2784% | 4,976 |
| Total risk-based capital ratio | 14.5311% | 4,943 |
| Memoranda: | ||
| Average total assets | $80,886,000 | 5,410 |
| Average earning assets | $74,049,330 | 5,395 |
| Average equity | $8,213,330 | 5,510 |
| Average total loans | $50,775,000 | 5,163 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8484% | 392 |
| Cost of funding earning assets | 1.2829% | 676 |
| Net interest margin | 4.5655% | 877 |
| Noninterest income to average assets | 0.4510% | 4,287 |
| Noninterest expense to average assets | 3.9698% | 966 |
| Loan and lease loss provision to assets | 0.2478% | 2,481 |
| Net operating income to assets | 0.4169% | 5,186 |
| Return on assets (ROA) | 0.9169% | 3,057 |
| Pretax return on assets | 0.9466% | 3,881 |
| Return on Equity (ROE) | 9.5024% | 2,604 |
| Retained earnings to average equity (ytd only) | 8.5778% | 1,745 |
| Net charge-offs to loans | -0.0156% | 6,097 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3945% | 1,536 |
| Assets per employee ($millions) | 2.9054% | 6,345 |
| Cash dividends to net income (ytd only)* | 9.7297% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 4,779 |
| Loan loss allowance to noncurrent loans | 37.5471% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 4.7117% | 1,116 |
| Noncurrent loans to loans | 3.6117% | 1,721 |
| Net loans and leases to total assets | 62.4135% | 3,171 |
| Net loans and leases to deposits | 73.9154% | 3,128 |
| Net loans and leases to core deposits | 75.9090% | 3,630 |
| Total domestic deposits to total assets | 84.4390% | 4,306 |
| Equity capital to assets | 9.6840% | 4,543 |
| Core capital (leverage) ratio | 9.2459% | 4,450 |
| Tier 1 risk-based capital ratio | 13.2992% | 4,982 |
| Total risk-based capital ratio | 14.5490% | 4,972 |
| Memoranda: | ||
| Average total assets | $80,709,000 | 5,450 |
| Average earning assets | $74,208,000 | 5,425 |
| Average equity | $7,787,500 | 5,663 |
| Average total loans | $51,284,500 | 5,171 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8953% | 526 |
| Cost of funding earning assets | 1.4670% | 812 |
| Net interest margin | 4.4282% | 1,314 |
| Noninterest income to average assets | 0.3985% | 4,628 |
| Noninterest expense to average assets | 3.3983% | 2,248 |
| Loan and lease loss provision to assets | 0.6222% | 1,648 |
| Net operating income to assets | 0.4475% | 4,660 |
| Return on assets (ROA) | 0.4475% | 4,864 |
| Pretax return on assets | 0.4810% | 5,041 |
| Return on Equity (ROE) | 4.9512% | 4,416 |
| Retained earnings to average equity (ytd only) | 3.4552% | 3,763 |
| Net charge-offs to loans | 1.3022% | 1,266 |
| Credit loss provision to net charge-offs | 73.4463% | 4,719 |
| Earnings coverage of net charge-offs (x) | 1.3023% | 4,802 |
| Efficiency ratio | 75.4918% | 2,978 |
| Assets per employee ($millions) | 2.8595% | 6,359 |
| Cash dividends to net income (ytd only)* | 30.2139% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 5,101 |
| Loan loss allowance to noncurrent loans | 31.4202% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 4.8534% | 1,115 |
| Noncurrent loans to loans | 4.0237% | 1,552 |
| Net loans and leases to total assets | 63.0110% | 3,400 |
| Net loans and leases to deposits | 75.5469% | 3,250 |
| Net loans and leases to core deposits | 77.3421% | 3,770 |
| Total domestic deposits to total assets | 83.4064% | 4,591 |
| Equity capital to assets | 9.6132% | 4,725 |
| Core capital (leverage) ratio | 8.8521% | 5,017 |
| Tier 1 risk-based capital ratio | 13.3294% | 4,820 |
| Total risk-based capital ratio | 14.5300% | 4,834 |
| Memoranda: | ||
| Average total assets | $83,570,200 | 5,352 |
| Average earning assets | $77,435,200 | 5,300 |
| Average equity | $7,553,800 | 5,699 |
| Average total loans | $54,370,800 | 5,099 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8784% | 587 |
| Cost of funding earning assets | 1.5041% | 846 |
| Net interest margin | 4.3743% | 1,476 |
| Noninterest income to average assets | 0.4358% | 4,395 |
| Noninterest expense to average assets | 3.5177% | 1,897 |
| Loan and lease loss provision to assets | 0.5842% | 1,685 |
| Net operating income to assets | 0.3600% | 5,161 |
| Return on assets (ROA) | 0.3600% | 5,347 |
| Pretax return on assets | 0.3931% | 5,491 |
| Return on Equity (ROE) | 4.0435% | 4,972 |
| Retained earnings to average equity (ytd only) | 2.3410% | 4,945 |
| Net charge-offs to loans | 1.1427% | 1,384 |
| Credit loss provision to net charge-offs | 78.2241% | 4,199 |
| Earnings coverage of net charge-offs (x) | 1.3087% | 4,639 |
| Efficiency ratio | 78.2578% | 2,514 |
| Assets per employee ($millions) | 2.9673% | 6,194 |
| Cash dividends to net income (ytd only)* | 42.1066% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 4,559 |
| Loan loss allowance to noncurrent loans | 31.4409% | 6,173 |
| Noncurrent assets plus other real estate owned to assets | 4.7097% | 1,251 |
| Noncurrent loans to loans | 4.4568% | 1,448 |
| Net loans and leases to total assets | 61.9104% | 3,748 |
| Net loans and leases to deposits | 73.3170% | 3,759 |
| Net loans and leases to core deposits | 74.9734% | 4,323 |
| Total domestic deposits to total assets | 84.4421% | 4,036 |
| Equity capital to assets | 9.1090% | 5,633 |
| Core capital (leverage) ratio | 8.4226% | 5,820 |
| Tier 1 risk-based capital ratio | 13.1101% | 5,015 |
| Total risk-based capital ratio | 14.3610% | 4,992 |
| Memoranda: | ||
| Average total assets | $84,446,000 | 5,368 |
| Average earning assets | $78,364,000 | 5,317 |
| Average equity | $7,518,000 | 5,742 |
| Average total loans | $55,189,250 | 5,106 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9150% | 560 |
| Cost of funding earning assets | 1.5287% | 903 |
| Net interest margin | 4.3862% | 1,413 |
| Noninterest income to average assets | 0.4217% | 4,499 |
| Noninterest expense to average assets | 3.5265% | 1,916 |
| Loan and lease loss provision to assets | 0.5771% | 1,679 |
| Net operating income to assets | 0.3604% | 5,124 |
| Return on assets (ROA) | 0.3604% | 5,268 |
| Pretax return on assets | 0.4005% | 5,392 |
| Return on Equity (ROE) | 4.0793% | 4,901 |
| Retained earnings to average equity (ytd only) | 1.9996% | 4,976 |
| Net charge-offs to loans | 1.1460% | 1,366 |
| Credit loss provision to net charge-offs | 76.0870% | 3,882 |
| Earnings coverage of net charge-offs (x) | 1.2888% | 4,324 |
| Efficiency ratio | 78.2950% | 2,666 |
| Assets per employee ($millions) | 3.0387% | 5,999 |
| Cash dividends to net income (ytd only)* | 50.9804% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 4,816 |
| Loan loss allowance to noncurrent loans | 37.9829% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 3.3614% | 1,967 |
| Noncurrent loans to loans | 3.5636% | 1,984 |
| Net loans and leases to total assets | 64.8426% | 3,287 |
| Net loans and leases to deposits | 76.3609% | 3,403 |
| Net loans and leases to core deposits | 78.0351% | 4,049 |
| Total domestic deposits to total assets | 84.9159% | 3,915 |
| Equity capital to assets | 8.8279% | 5,787 |
| Core capital (leverage) ratio | 8.2706% | 5,915 |
| Tier 1 risk-based capital ratio | 13.1069% | 4,832 |
| Total risk-based capital ratio | 14.3583% | 4,805 |
| Memoranda: | ||
| Average total assets | $84,900,330 | 5,398 |
| Average earning assets | $79,020,000 | 5,341 |
| Average equity | $7,501,330 | 5,768 |
| Average total loans | $56,196,330 | 5,109 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1488% | 363 |
| Cost of funding earning assets | 1.5588% | 951 |
| Net interest margin | 4.5900% | 878 |
| Noninterest income to average assets | 0.4009% | 4,692 |
| Noninterest expense to average assets | 3.6789% | 1,574 |
| Loan and lease loss provision to assets | 0.4009% | 2,192 |
| Net operating income to assets | 0.5707% | 4,177 |
| Return on assets (ROA) | 0.5707% | 4,255 |
| Pretax return on assets | 0.5848% | 4,745 |
| Return on Equity (ROE) | 6.4563% | 3,649 |
| Retained earnings to average equity (ytd only) | 6.4563% | 2,392 |
| Net charge-offs to loans | 0.3266% | 2,747 |
| Credit loss provision to net charge-offs | 184.7826% | 1,589 |
| Earnings coverage of net charge-offs (x) | 4.5435% | 2,451 |
| Efficiency ratio | 78.8675% | 2,709 |
| Assets per employee ($millions) | 3.0344% | 6,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 3,979 |
| Loan loss allowance to noncurrent loans | 35.8669% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 3.7711% | 1,793 |
| Noncurrent loans to loans | 4.3103% | 1,646 |
| Net loans and leases to total assets | 65.4367% | 3,145 |
| Net loans and leases to deposits | 77.2567% | 3,205 |
| Net loans and leases to core deposits | 79.5960% | 3,806 |
| Total domestic deposits to total assets | 84.7004% | 4,181 |
| Equity capital to assets | 8.8945% | 5,356 |
| Core capital (leverage) ratio | 8.3910% | 5,646 |
| Tier 1 risk-based capital ratio | 13.0573% | 4,784 |
| Total risk-based capital ratio | 14.3125% | 4,762 |
| Memoranda: | ||
| Average total assets | $84,809,000 | 5,448 |
| Average earning assets | $78,780,000 | 5,395 |
| Average equity | $7,496,500 | 5,775 |
| Average total loans | $56,331,000 | 5,156 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2591% | 502 |
| Cost of funding earning assets | 1.8628% | 961 |
| Net interest margin | 4.3963% | 1,485 |
| Noninterest income to average assets | 0.6341% | 3,254 |
| Noninterest expense to average assets | 3.3551% | 2,568 |
| Loan and lease loss provision to assets | 0.8486% | 1,928 |
| Net operating income to assets | 0.5108% | 4,049 |
| Return on assets (ROA) | 0.5108% | 4,201 |
| Pretax return on assets | 0.5338% | 4,519 |
| Return on Equity (ROE) | 6.2277% | 3,496 |
| Retained earnings to average equity (ytd only) | 2.6991% | 3,971 |
| Net charge-offs to loans | 0.9590% | 2,260 |
| Credit loss provision to net charge-offs | 131.8996% | 2,986 |
| Earnings coverage of net charge-offs (x) | 2.1487% | 4,114 |
| Efficiency ratio | 70.8202% | 4,013 |
| Assets per employee ($millions) | 3.0234% | 6,048 |
| Cash dividends to net income (ytd only)* | 56.6591% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4842% | 4,101 |
| Loan loss allowance to noncurrent loans | 45.4992% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 3.2308% | 2,190 |
| Noncurrent loans to loans | 3.2620% | 2,327 |
| Net loans and leases to total assets | 65.3925% | 3,579 |
| Net loans and leases to deposits | 78.3076% | 3,465 |
| Net loans and leases to core deposits | 80.7156% | 4,103 |
| Total domestic deposits to total assets | 83.5072% | 4,599 |
| Equity capital to assets | 8.7839% | 5,458 |
| Core capital (leverage) ratio | 8.1969% | 5,829 |
| Tier 1 risk-based capital ratio | 13.1478% | 4,486 |
| Total risk-based capital ratio | 14.4015% | 4,443 |
| Memoranda: | ||
| Average total assets | $86,734,200 | 5,387 |
| Average earning assets | $80,953,600 | 5,308 |
| Average equity | $7,113,400 | 5,995 |
| Average total loans | $58,188,400 | 5,145 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3055% | 503 |
| Cost of funding earning assets | 1.9199% | 965 |
| Net interest margin | 4.3856% | 1,569 |
| Noninterest income to average assets | 0.7457% | 2,541 |
| Noninterest expense to average assets | 3.4748% | 2,098 |
| Loan and lease loss provision to assets | 0.9795% | 1,526 |
| Net operating income to assets | 0.3484% | 4,979 |
| Return on assets (ROA) | 0.3484% | 5,148 |
| Pretax return on assets | 0.3927% | 5,239 |
| Return on Equity (ROE) | 4.3225% | 4,631 |
| Retained earnings to average equity (ytd only) | -0.4361% | 5,901 |
| Net charge-offs to loans | 1.1609% | 1,757 |
| Credit loss provision to net charge-offs | 125.4403% | 3,263 |
| Earnings coverage of net charge-offs (x) | 1.7573% | 4,396 |
| Efficiency ratio | 71.6898% | 3,763 |
| Assets per employee ($millions) | 3.0321% | 6,079 |
| Cash dividends to net income (ytd only)* | 110.0891% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 4,528 |
| Loan loss allowance to noncurrent loans | 49.8415% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 2.6196% | 2,761 |
| Noncurrent loans to loans | 2.7856% | 2,860 |
| Net loans and leases to total assets | 65.7562% | 3,742 |
| Net loans and leases to deposits | 77.1528% | 3,985 |
| Net loans and leases to core deposits | 80.0961% | 4,506 |
| Total domestic deposits to total assets | 85.2285% | 3,505 |
| Equity capital to assets | 8.2697% | 6,538 |
| Core capital (leverage) ratio | 7.6454% | 6,726 |
| Tier 1 risk-based capital ratio | 12.1201% | 5,345 |
| Total risk-based capital ratio | 13.3720% | 5,305 |
| Memoranda: | ||
| Average total assets | $87,254,000 | 5,435 |
| Average earning assets | $81,598,750 | 5,355 |
| Average equity | $7,032,750 | 6,098 |
| Average total loans | $58,687,500 | 5,195 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3130% | 502 |
| Cost of funding earning assets | 1.9701% | 986 |
| Net interest margin | 4.3429% | 1,627 |
| Noninterest income to average assets | 0.7270% | 2,538 |
| Noninterest expense to average assets | 3.3781% | 2,323 |
| Loan and lease loss provision to assets | 1.4198% | 939 |
| Net operating income to assets | -0.0591% | 6,163 |
| Return on assets (ROA) | -0.0591% | 6,256 |
| Pretax return on assets | -0.0045% | 6,161 |
| Return on Equity (ROE) | -0.7390% | 6,287 |
| Retained earnings to average equity (ytd only) | -7.8730% | 6,803 |
| Net charge-offs to loans | 1.7515% | 1,070 |
| Credit loss provision to net charge-offs | 120.1923% | 3,377 |
| Earnings coverage of net charge-offs (x) | 1.1981% | 4,602 |
| Efficiency ratio | 70.4739% | 4,095 |
| Assets per employee ($millions) | 3.0864% | 5,956 |
| Cash dividends to net income (ytd only)* | -965.3846% | 7,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2938% | 4,960 |
| Loan loss allowance to noncurrent loans | 36.4289% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 2.7390% | 2,643 |
| Noncurrent loans to loans | 3.5516% | 2,223 |
| Net loans and leases to total assets | 67.1816% | 3,577 |
| Net loans and leases to deposits | 78.7278% | 3,845 |
| Net loans and leases to core deposits | 81.9609% | 4,422 |
| Total domestic deposits to total assets | 85.3341% | 3,448 |
| Equity capital to assets | 7.8305% | 6,898 |
| Core capital (leverage) ratio | 7.1850% | 7,079 |
| Tier 1 risk-based capital ratio | 11.2879% | 5,952 |
| Total risk-based capital ratio | 12.5285% | 5,953 |
| Memoranda: | ||
| Average total assets | $88,038,670 | 5,448 |
| Average earning assets | $82,433,670 | 5,356 |
| Average equity | $7,036,670 | 6,127 |
| Average total loans | $59,379,000 | 5,206 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4808% | 370 |
| Cost of funding earning assets | 2.0000% | 1,084 |
| Net interest margin | 4.4808% | 1,186 |
| Noninterest income to average assets | 0.8689% | 1,740 |
| Noninterest expense to average assets | 3.2685% | 2,640 |
| Loan and lease loss provision to assets | 0.2656% | 3,901 |
| Net operating income to assets | 1.4767% | 932 |
| Return on assets (ROA) | 1.4767% | 1,003 |
| Pretax return on assets | 1.5307% | 1,439 |
| Return on Equity (ROE) | 18.2946% | 492 |
| Retained earnings to average equity (ytd only) | 14.2230% | 483 |
| Net charge-offs to loans | 0.4760% | 2,628 |
| Credit loss provision to net charge-offs | 83.0986% | 3,810 |
| Earnings coverage of net charge-offs (x) | 5.6197% | 2,359 |
| Efficiency ratio | 64.5333% | 5,381 |
| Assets per employee ($millions) | 3.1756% | 5,821 |
| Cash dividends to net income (ytd only)* | 22.2561% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 6,091 |
| Loan loss allowance to noncurrent loans | 34.2553% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 2.4619% | 2,949 |
| Noncurrent loans to loans | 3.1621% | 2,537 |
| Net loans and leases to total assets | 66.1411% | 3,819 |
| Net loans and leases to deposits | 77.6852% | 4,100 |
| Net loans and leases to core deposits | 80.2385% | 4,734 |
| Total domestic deposits to total assets | 85.1399% | 3,591 |
| Equity capital to assets | 8.2089% | 6,422 |
| Core capital (leverage) ratio | 7.6946% | 6,632 |
| Tier 1 risk-based capital ratio | 12.0721% | 5,121 |
| Total risk-based capital ratio | 13.2198% | 5,187 |
| Memoranda: | ||
| Average total assets | $88,849,000 | 5,488 |
| Average earning assets | $83,199,000 | 5,391 |
| Average equity | $7,171,500 | 6,122 |
| Average total loans | $59,659,500 | 5,265 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7920% | 389 |
| Cost of funding earning assets | 2.2381% | 1,874 |
| Net interest margin | 4.5539% | 1,065 |
| Noninterest income to average assets | 0.5131% | 4,311 |
| Noninterest expense to average assets | 3.5585% | 2,251 |
| Loan and lease loss provision to assets | 0.5976% | 3,406 |
| Net operating income to assets | 0.5679% | 3,454 |
| Return on assets (ROA) | 0.5679% | 3,533 |
| Pretax return on assets | 0.6179% | 3,853 |
| Return on Equity (ROE) | 6.8262% | 2,857 |
| Retained earnings to average equity (ytd only) | 0.2719% | 4,758 |
| Net charge-offs to loans | 0.5306% | 3,661 |
| Credit loss provision to net charge-offs | 153.0488% | 2,994 |
| Earnings coverage of net charge-offs (x) | 3.1128% | 3,505 |
| Efficiency ratio | 74.5387% | 3,791 |
| Assets per employee ($millions) | 3.1708% | 5,790 |
| Cash dividends to net income (ytd only)* | 96.0168% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0958% | 5,919 |
| Loan loss allowance to noncurrent loans | 53.1605% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 1.7751% | 3,710 |
| Noncurrent loans to loans | 2.0613% | 3,572 |
| Net loans and leases to total assets | 66.6903% | 3,992 |
| Net loans and leases to deposits | 77.7644% | 4,424 |
| Net loans and leases to core deposits | 96.0795% | 4,458 |
| Total domestic deposits to total assets | 85.7595% | 3,132 |
| Equity capital to assets | 7.9340% | 6,642 |
| Core capital (leverage) ratio | 7.5012% | 6,788 |
| Tier 1 risk-based capital ratio | 11.6079% | 5,289 |
| Total risk-based capital ratio | 12.7760% | 5,328 |
| Memoranda: | ||
| Average total assets | $83,996,400 | 5,595 |
| Average earning assets | $78,592,400 | 5,506 |
| Average equity | $6,987,800 | 6,274 |
| Average total loans | $61,817,600 | 5,178 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9161% | 344 |
| Cost of funding earning assets | 2.2795% | 2,071 |
| Net interest margin | 4.6365% | 931 |
| Noninterest income to average assets | 0.5233% | 4,291 |
| Noninterest expense to average assets | 3.7020% | 1,813 |
| Loan and lease loss provision to assets | 0.5684% | 3,111 |
| Net operating income to assets | 0.5346% | 3,851 |
| Return on assets (ROA) | 0.5346% | 3,936 |
| Pretax return on assets | 0.5861% | 4,226 |
| Return on Equity (ROE) | 6.3475% | 3,375 |
| Retained earnings to average equity (ytd only) | -2.4090% | 5,803 |
| Net charge-offs to loans | 0.5500% | 3,033 |
| Credit loss provision to net charge-offs | 137.3541% | 3,605 |
| Earnings coverage of net charge-offs (x) | 2.7899% | 3,823 |
| Efficiency ratio | 76.2268% | 3,468 |
| Assets per employee ($millions) | 3.0132% | 6,130 |
| Cash dividends to net income (ytd only)* | 137.9501% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 6,578 |
| Loan loss allowance to noncurrent loans | 49.5712% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 1.7127% | 3,809 |
| Noncurrent loans to loans | 1.9040% | 3,771 |
| Net loans and leases to total assets | 71.8996% | 3,061 |
| Net loans and leases to deposits | 84.3862% | 3,592 |
| Net loans and leases to core deposits | 105.8047% | 3,721 |
| Total domestic deposits to total assets | 85.2031% | 3,124 |
| Equity capital to assets | 8.1772% | 6,665 |
| Core capital (leverage) ratio | 7.6261% | 6,832 |
| Tier 1 risk-based capital ratio | 11.4443% | 5,484 |
| Total risk-based capital ratio | 12.4820% | 5,663 |
| Memoranda: | ||
| Average total assets | $82,800,000 | 5,665 |
| Average earning assets | $77,383,250 | 5,579 |
| Average equity | $6,973,750 | 6,322 |
| Average total loans | $62,305,750 | 5,197 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9837% | 328 |
| Cost of funding earning assets | 2.3314% | 2,231 |
| Net interest margin | 4.6523% | 869 |
| Noninterest income to average assets | 0.5664% | 3,917 |
| Noninterest expense to average assets | 3.7094% | 1,823 |
| Loan and lease loss provision to assets | 0.4230% | 3,429 |
| Net operating income to assets | 0.7220% | 3,160 |
| Return on assets (ROA) | 0.7220% | 3,268 |
| Pretax return on assets | 0.7754% | 3,760 |
| Return on Equity (ROE) | 8.4873% | 2,577 |
| Retained earnings to average equity (ytd only) | -2.5148% | 5,867 |
| Net charge-offs to loans | 0.4181% | 3,127 |
| Credit loss provision to net charge-offs | 132.8244% | 3,514 |
| Earnings coverage of net charge-offs (x) | 3.7634% | 3,316 |
| Efficiency ratio | 75.5820% | 3,775 |
| Assets per employee ($millions) | 3.4444% | 4,963 |
| Cash dividends to net income (ytd only)* | 129.6296% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 7,041 |
| Loan loss allowance to noncurrent loans | 23.8745% | 6,910 |
| Noncurrent assets plus other real estate owned to assets | 3.1791% | 1,976 |
| Noncurrent loans to loans | 3.4973% | 2,011 |
| Net loans and leases to total assets | 75.4273% | 2,336 |
| Net loans and leases to deposits | 89.4282% | 2,910 |
| Net loans and leases to core deposits | 111.1503% | 3,240 |
| Total domestic deposits to total assets | 84.3440% | 3,574 |
| Equity capital to assets | 8.3917% | 6,210 |
| Core capital (leverage) ratio | 7.7979% | 6,616 |
| Tier 1 risk-based capital ratio | 11.4099% | 5,483 |
| Total risk-based capital ratio | 12.3441% | 5,701 |
| Memoranda: | ||
| Average total assets | $82,277,000 | 5,725 |
| Average earning assets | $76,778,670 | 5,642 |
| Average equity | $6,998,670 | 6,372 |
| Average total loans | $62,661,330 | 5,226 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9974% | 340 |
| Cost of funding earning assets | 2.4003% | 2,293 |
| Net interest margin | 4.5971% | 942 |
| Noninterest income to average assets | 0.5458% | 3,965 |
| Noninterest expense to average assets | 3.3917% | 2,383 |
| Loan and lease loss provision to assets | 0.8041% | 1,603 |
| Net operating income to assets | 0.6433% | 3,826 |
| Return on assets (ROA) | 0.6433% | 4,008 |
| Pretax return on assets | 0.6433% | 4,612 |
| Return on Equity (ROE) | 7.5112% | 3,378 |
| Retained earnings to average equity (ytd only) | 0.5121% | 5,452 |
| Net charge-offs to loans | 0.7673% | 1,672 |
| Credit loss provision to net charge-offs | 137.5000% | 2,950 |
| Earnings coverage of net charge-offs (x) | 2.4750% | 3,505 |
| Efficiency ratio | 70.0906% | 4,558 |
| Assets per employee ($millions) | 3.4521% | 4,936 |
| Cash dividends to net income (ytd only)* | 93.1818% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8480% | 6,978 |
| Loan loss allowance to noncurrent loans | 60.5052% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 1.5920% | 3,531 |
| Noncurrent loans to loans | 1.4015% | 4,212 |
| Net loans and leases to total assets | 74.3778% | 2,656 |
| Net loans and leases to deposits | 88.3546% | 3,226 |
| Net loans and leases to core deposits | 107.6536% | 3,727 |
| Total domestic deposits to total assets | 84.1811% | 3,617 |
| Equity capital to assets | 8.4900% | 6,083 |
| Core capital (leverage) ratio | 7.9539% | 6,539 |
| Tier 1 risk-based capital ratio | 11.6405% | 5,258 |
| Total risk-based capital ratio | 12.5829% | 5,481 |
| Memoranda: | ||
| Average total assets | $82,083,000 | 5,745 |
| Average earning assets | $76,657,000 | 5,669 |
| Average equity | $7,029,500 | 6,394 |
| Average total loans | $62,553,500 | 5,262 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5619% | 364 |
| Cost of funding earning assets | 3.0545% | 1,665 |
| Net interest margin | 4.5074% | 1,399 |
| Noninterest income to average assets | 0.6830% | 3,229 |
| Noninterest expense to average assets | 3.3640% | 2,779 |
| Loan and lease loss provision to assets | 0.2119% | 4,774 |
| Net operating income to assets | 1.3054% | 1,470 |
| Return on assets (ROA) | 1.3054% | 1,418 |
| Pretax return on assets | 1.3260% | 2,219 |
| Return on Equity (ROE) | 16.0656% | 762 |
| Retained earnings to average equity (ytd only) | 8.3308% | 750 |
| Net charge-offs to loans | 0.3847% | 2,898 |
| Credit loss provision to net charge-offs | 72.9167% | 6,030 |
| Earnings coverage of net charge-offs (x) | 5.2917% | 3,694 |
| Efficiency ratio | 68.2559% | 4,680 |
| Assets per employee ($millions) | 3.3882% | 4,969 |
| Cash dividends to net income (ytd only)* | 48.1447% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7656% | 7,220 |
| Loan loss allowance to noncurrent loans | 49.7934% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 1.9160% | 2,560 |
| Noncurrent loans to loans | 1.5375% | 3,489 |
| Net loans and leases to total assets | 76.8311% | 2,419 |
| Net loans and leases to deposits | 92.6174% | 3,027 |
| Net loans and leases to core deposits | 113.9678% | 3,344 |
| Total domestic deposits to total assets | 82.9554% | 3,790 |
| Equity capital to assets | 8.6391% | 5,881 |
| Core capital (leverage) ratio | 7.9100% | 6,641 |
| Tier 1 risk-based capital ratio | 11.4628% | 5,273 |
| Total risk-based capital ratio | 12.3128% | 5,558 |
| Memoranda: | ||
| Average total assets | $82,579,200 | 5,609 |
| Average earning assets | $77,295,200 | 5,537 |
| Average equity | $6,710,000 | 6,562 |
| Average total loans | $62,380,000 | 5,161 |