Home > Bank of Laverne > Performance and Condition Ratios
Bank of Laverne, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4864% | 1,952 |
| Cost of funding earning assets | 0.5529% | 3,219 |
| Net interest margin | 3.9335% | 1,482 |
| Noninterest income to average assets | 0.3141% | 3,581 |
| Noninterest expense to average assets | 2.5063% | 2,945 |
| Loan and lease loss provision to assets | -0.0810% | 5,027 |
| Net operating income to assets | 1.3309% | 1,276 |
| Return on assets (ROA) | 1.3309% | 1,377 |
| Pretax return on assets | 1.5057% | 1,443 |
| Return on Equity (ROE) | 8.4449% | 2,583 |
| Retained earnings to average equity (ytd only) | 8.4449% | 1,178 |
| Net charge-offs to loans | 0.5100% | 315 |
| Credit loss provision to net charge-offs | -36.7647% | 3,350 |
| Earnings coverage of net charge-offs (x) | 6.4706% | 2,435 |
| Efficiency ratio | 63.7562% | 2,855 |
| Assets per employee ($millions) | 4.3521% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3837% | 96 |
| Loan loss allowance to noncurrent loans | 190.4863% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.7246% | 1,699 |
| Noncurrent loans to loans | 1.7763% | 795 |
| Net loans and leases to total assets | 39.4096% | 4,630 |
| Net loans and leases to deposits | 47.1743% | 4,618 |
| Net loans and leases to core deposits | 51.6793% | 4,577 |
| Total domestic deposits to total assets | 83.5404% | 2,907 |
| Equity capital to assets | 15.7917% | 494 |
| Core capital (leverage) ratio | 15.3412% | 524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,763,333 | 4,513 |
| Average earning assets | $56,793,667 | 4,514 |
| Average equity | $9,733,667 | 4,250 |
| Average total loans | $26,667,000 | 4,629 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4296% | 2,509 |
| Cost of funding earning assets | 0.6095% | 3,386 |
| Net interest margin | 3.8201% | 1,900 |
| Noninterest income to average assets | 0.3266% | 3,566 |
| Noninterest expense to average assets | 2.5865% | 3,018 |
| Loan and lease loss provision to assets | 0.0400% | 3,271 |
| Net operating income to assets | 1.1532% | 1,686 |
| Return on assets (ROA) | 1.1532% | 1,790 |
| Pretax return on assets | 1.2932% | 1,889 |
| Return on Equity (ROE) | 7.3259% | 2,814 |
| Retained earnings to average equity (ytd only) | 7.3259% | 1,435 |
| Net charge-offs to loans | 1.4839% | 96 |
| Credit loss provision to net charge-offs | 6.0606% | 2,239 |
| Earnings coverage of net charge-offs (x) | 2.0202% | 2,321 |
| Efficiency ratio | 65.9864% | 2,963 |
| Assets per employee ($millions) | 4.0239% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3597% | 105 |
| Loan loss allowance to noncurrent loans | 174.6124% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.8549% | 1,565 |
| Noncurrent loans to loans | 1.9241% | 756 |
| Net loans and leases to total assets | 42.9388% | 4,550 |
| Net loans and leases to deposits | 50.8496% | 4,566 |
| Net loans and leases to core deposits | 55.6948% | 4,504 |
| Total domestic deposits to total assets | 84.4428% | 2,618 |
| Equity capital to assets | 15.3037% | 710 |
| Core capital (leverage) ratio | 15.8823% | 532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,004,500 | 4,558 |
| Average earning assets | $56,438,500 | 4,536 |
| Average equity | $9,446,000 | 4,303 |
| Average total loans | $26,686,500 | 4,660 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 1,900 |
| Cost of funding earning assets | 0.6455% | 3,435 |
| Net interest margin | 4.2027% | 1,316 |
| Noninterest income to average assets | 0.3663% | 3,506 |
| Noninterest expense to average assets | 3.2256% | 1,460 |
| Loan and lease loss provision to assets | -0.1519% | 5,107 |
| Net operating income to assets | 1.0886% | 2,483 |
| Return on assets (ROA) | 1.0988% | 2,552 |
| Pretax return on assets | 1.2609% | 2,639 |
| Return on Equity (ROE) | 6.6645% | 3,677 |
| Retained earnings to average equity (ytd only) | 0.0102% | 4,692 |
| Net charge-offs to loans | -0.1370% | 5,000 |
| Credit loss provision to net charge-offs | 230.7692% | 1,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6193% | 1,538 |
| Assets per employee ($millions) | 3.9743% | 3,929 |
| Cash dividends to net income (ytd only)* | 99.8464% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7469% | 72 |
| Loan loss allowance to noncurrent loans | 163.1148% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 1.0232% | 1,216 |
| Noncurrent loans to loans | 2.2971% | 519 |
| Net loans and leases to total assets | 42.8751% | 4,646 |
| Net loans and leases to deposits | 51.3016% | 4,633 |
| Net loans and leases to core deposits | 55.9434% | 4,587 |
| Total domestic deposits to total assets | 83.5746% | 3,001 |
| Equity capital to assets | 16.1973% | 572 |
| Core capital (leverage) ratio | 16.1228% | 502 |
| Tier 1 risk-based capital ratio | 25.6140% | 707 |
| Total risk-based capital ratio | 26.8860% | 690 |
| Memoranda: | ||
| Average total assets | $59,244,000 | 4,608 |
| Average earning assets | $55,773,200 | 4,590 |
| Average equity | $9,768,200 | 4,271 |
| Average total loans | $28,461,000 | 4,674 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8897% | 1,847 |
| Cost of funding earning assets | 0.6472% | 3,463 |
| Net interest margin | 4.2425% | 1,274 |
| Noninterest income to average assets | 0.3787% | 3,444 |
| Noninterest expense to average assets | 2.8288% | 2,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3097% | 1,812 |
| Return on assets (ROA) | 1.3231% | 1,827 |
| Pretax return on assets | 1.5553% | 1,796 |
| Return on Equity (ROE) | 7.9893% | 3,310 |
| Retained earnings to average equity (ytd only) | 7.9893% | 1,396 |
| Net charge-offs to loans | 0.0138% | 2,885 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 227.6600% | 401 |
| Efficiency ratio | 64.7575% | 2,900 |
| Assets per employee ($millions) | 3.8037% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7977% | 75 |
| Loan loss allowance to noncurrent loans | 190.6593% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.9570% | 1,408 |
| Noncurrent loans to loans | 1.9919% | 678 |
| Net loans and leases to total assets | 46.2178% | 4,589 |
| Net loans and leases to deposits | 56.6500% | 4,529 |
| Net loans and leases to core deposits | 62.5920% | 4,434 |
| Total domestic deposits to total assets | 81.5848% | 3,591 |
| Equity capital to assets | 17.8474% | 407 |
| Core capital (leverage) ratio | 17.1058% | 429 |
| Tier 1 risk-based capital ratio | 26.3849% | 684 |
| Total risk-based capital ratio | 27.6550% | 667 |
| Memoranda: | ||
| Average total assets | $59,151,250 | 4,670 |
| Average earning assets | $55,626,000 | 4,656 |
| Average equity | $9,796,250 | 4,312 |
| Average total loans | $28,937,500 | 4,728 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8860% | 1,797 |
| Cost of funding earning assets | 0.6316% | 3,503 |
| Net interest margin | 4.2544% | 1,228 |
| Noninterest income to average assets | 0.3409% | 3,654 |
| Noninterest expense to average assets | 2.5831% | 3,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5073% | 1,129 |
| Return on assets (ROA) | 1.5272% | 1,120 |
| Pretax return on assets | 1.7878% | 1,066 |
| Return on Equity (ROE) | 9.4545% | 2,656 |
| Retained earnings to average equity (ytd only) | 9.4545% | 920 |
| Net charge-offs to loans | 0.0340% | 2,183 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 105.6000% | 672 |
| Efficiency ratio | 59.4158% | 3,807 |
| Assets per employee ($millions) | 3.6932% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5618% | 81 |
| Loan loss allowance to noncurrent loans | 181.0105% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.9714% | 1,431 |
| Noncurrent loans to loans | 1.9677% | 736 |
| Net loans and leases to total assets | 47.6079% | 4,585 |
| Net loans and leases to deposits | 57.6086% | 4,533 |
| Net loans and leases to core deposits | 63.3361% | 4,439 |
| Total domestic deposits to total assets | 82.6403% | 3,321 |
| Equity capital to assets | 16.9484% | 477 |
| Core capital (leverage) ratio | 16.3569% | 502 |
| Tier 1 risk-based capital ratio | 26.1299% | 679 |
| Total risk-based capital ratio | 27.3991% | 665 |
| Memoranda: | ||
| Average total assets | $59,849,670 | 4,697 |
| Average earning assets | $56,365,000 | 4,680 |
| Average equity | $9,667,330 | 4,348 |
| Average total loans | $29,446,330 | 4,753 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8106% | 1,869 |
| Cost of funding earning assets | 0.6189% | 3,471 |
| Net interest margin | 4.1917% | 1,320 |
| Noninterest income to average assets | 0.3254% | 3,681 |
| Noninterest expense to average assets | 2.4905% | 3,538 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4823% | 1,149 |
| Return on assets (ROA) | 1.5209% | 1,094 |
| Pretax return on assets | 1.8396% | 889 |
| Return on Equity (ROE) | 9.6487% | 2,521 |
| Retained earnings to average equity (ytd only) | 9.6487% | 1,121 |
| Net charge-offs to loans | -0.1487% | 5,121 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1395% | 4,058 |
| Assets per employee ($millions) | 4.0655% | 3,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5755% | 78 |
| Loan loss allowance to noncurrent loans | 155.8346% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 1.1102% | 1,245 |
| Noncurrent loans to loans | 2.2944% | 598 |
| Net loans and leases to total assets | 46.6548% | 4,641 |
| Net loans and leases to deposits | 55.6640% | 4,614 |
| Net loans and leases to core deposits | 61.8742% | 4,490 |
| Total domestic deposits to total assets | 83.8149% | 3,114 |
| Equity capital to assets | 15.8342% | 602 |
| Core capital (leverage) ratio | 15.9186% | 544 |
| Tier 1 risk-based capital ratio | 25.2437% | 743 |
| Total risk-based capital ratio | 26.5125% | 723 |
| Memoranda: | ||
| Average total assets | $60,229,000 | 4,743 |
| Average earning assets | $56,874,000 | 4,725 |
| Average equity | $9,493,500 | 4,402 |
| Average total loans | $29,584,000 | 4,796 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5888% | 2,163 |
| Cost of funding earning assets | 0.4842% | 3,452 |
| Net interest margin | 4.1046% | 1,667 |
| Noninterest income to average assets | 0.3794% | 3,559 |
| Noninterest expense to average assets | 3.0536% | 1,913 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9965% | 3,024 |
| Return on assets (ROA) | 0.9965% | 3,014 |
| Pretax return on assets | 1.1567% | 3,075 |
| Return on Equity (ROE) | 6.2652% | 4,081 |
| Retained earnings to average equity (ytd only) | 1.6008% | 4,500 |
| Net charge-offs to loans | 0.2681% | 719 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 8.9091% | 2,852 |
| Efficiency ratio | 72.5270% | 1,837 |
| Assets per employee ($millions) | 3.7173% | 4,295 |
| Cash dividends to net income (ytd only)* | 74.4501% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5230% | 82 |
| Loan loss allowance to noncurrent loans | 153.0015% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 1.1484% | 1,155 |
| Noncurrent loans to loans | 2.3026% | 550 |
| Net loans and leases to total assets | 48.1152% | 4,629 |
| Net loans and leases to deposits | 57.1357% | 4,613 |
| Net loans and leases to core deposits | 63.2308% | 4,487 |
| Total domestic deposits to total assets | 84.2121% | 2,931 |
| Equity capital to assets | 15.6887% | 588 |
| Core capital (leverage) ratio | 15.8915% | 527 |
| Tier 1 risk-based capital ratio | 24.6848% | 765 |
| Total risk-based capital ratio | 25.9534% | 750 |
| Memoranda: | ||
| Average total assets | $59,306,400 | 4,771 |
| Average earning assets | $55,352,200 | 4,763 |
| Average equity | $9,433,000 | 4,391 |
| Average total loans | $28,720,200 | 4,849 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5343% | 2,173 |
| Cost of funding earning assets | 0.4667% | 3,411 |
| Net interest margin | 4.0675% | 1,730 |
| Noninterest income to average assets | 0.3802% | 3,596 |
| Noninterest expense to average assets | 2.8594% | 2,433 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1204% | 2,575 |
| Return on assets (ROA) | 1.1204% | 2,587 |
| Pretax return on assets | 1.3049% | 2,612 |
| Return on Equity (ROE) | 7.0199% | 3,927 |
| Retained earnings to average equity (ytd only) | 7.0199% | 2,117 |
| Net charge-offs to loans | 0.3464% | 480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 7.8381% | 2,771 |
| Efficiency ratio | 68.6656% | 2,414 |
| Assets per employee ($millions) | 3.6428% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8779% | 69 |
| Loan loss allowance to noncurrent loans | 151.3006% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 1.1873% | 1,184 |
| Noncurrent loans to loans | 2.5631% | 504 |
| Net loans and leases to total assets | 44.5260% | 4,868 |
| Net loans and leases to deposits | 53.4608% | 4,842 |
| Net loans and leases to core deposits | 59.3473% | 4,728 |
| Total domestic deposits to total assets | 83.2873% | 3,204 |
| Equity capital to assets | 16.4708% | 460 |
| Core capital (leverage) ratio | 16.4401% | 462 |
| Tier 1 risk-based capital ratio | 27.2925% | 609 |
| Total risk-based capital ratio | 28.5625% | 600 |
| Memoranda: | ||
| Average total assets | $59,264,000 | 4,829 |
| Average earning assets | $55,134,500 | 4,820 |
| Average equity | $9,458,500 | 4,426 |
| Average total loans | $28,484,750 | 4,911 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4617% | 2,212 |
| Cost of funding earning assets | 0.4584% | 3,296 |
| Net interest margin | 4.0033% | 1,848 |
| Noninterest income to average assets | 0.3524% | 3,808 |
| Noninterest expense to average assets | 2.6179% | 3,273 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2217% | 2,090 |
| Return on assets (ROA) | 1.2217% | 2,089 |
| Pretax return on assets | 1.4566% | 1,969 |
| Return on Equity (ROE) | 7.7354% | 3,611 |
| Retained earnings to average equity (ytd only) | 7.7354% | 1,737 |
| Net charge-offs to loans | 0.3727% | 426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.0370% | 2,504 |
| Efficiency ratio | 64.2504% | 3,285 |
| Assets per employee ($millions) | 3.6906% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7911% | 65 |
| Loan loss allowance to noncurrent loans | 131.0811% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 1.3785% | 1,012 |
| Noncurrent loans to loans | 2.8922% | 404 |
| Net loans and leases to total assets | 45.8561% | 4,834 |
| Net loans and leases to deposits | 54.8293% | 4,810 |
| Net loans and leases to core deposits | 61.2957% | 4,641 |
| Total domestic deposits to total assets | 83.6342% | 3,201 |
| Equity capital to assets | 16.1778% | 477 |
| Core capital (leverage) ratio | 16.0434% | 485 |
| Tier 1 risk-based capital ratio | 26.2663% | 654 |
| Total risk-based capital ratio | 27.5332% | 637 |
| Memoranda: | ||
| Average total assets | $59,590,330 | 4,879 |
| Average earning assets | $55,404,330 | 4,872 |
| Average equity | $9,411,330 | 4,472 |
| Average total loans | $28,980,000 | 4,949 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4380% | 2,062 |
| Cost of funding earning assets | 0.4445% | 3,249 |
| Net interest margin | 3.9935% | 1,744 |
| Noninterest income to average assets | 0.3542% | 3,781 |
| Noninterest expense to average assets | 2.4791% | 3,712 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3364% | 1,518 |
| Return on assets (ROA) | 1.3364% | 1,536 |
| Pretax return on assets | 1.5970% | 1,403 |
| Return on Equity (ROE) | 8.5649% | 3,122 |
| Retained earnings to average equity (ytd only) | 8.5649% | 1,631 |
| Net charge-offs to loans | 0.7211% | 207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 4.5094% | 2,295 |
| Efficiency ratio | 60.8197% | 3,961 |
| Assets per employee ($millions) | 3.7700% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7045% | 75 |
| Loan loss allowance to noncurrent loans | 124.8832% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.4191% | 1,012 |
| Noncurrent loans to loans | 2.9664% | 409 |
| Net loans and leases to total assets | 46.0676% | 4,790 |
| Net loans and leases to deposits | 54.8217% | 4,753 |
| Net loans and leases to core deposits | 60.2267% | 4,642 |
| Total domestic deposits to total assets | 84.0318% | 3,318 |
| Equity capital to assets | 15.5902% | 555 |
| Core capital (leverage) ratio | 15.7172% | 532 |
| Tier 1 risk-based capital ratio | 25.5639% | 719 |
| Total risk-based capital ratio | 26.8353% | 699 |
| Memoranda: | ||
| Average total assets | $59,860,500 | 4,931 |
| Average earning assets | $55,790,500 | 4,915 |
| Average equity | $9,340,500 | 4,532 |
| Average total loans | $29,397,500 | 4,984 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6966% | 1,203 |
| Cost of funding earning assets | 0.3738% | 3,477 |
| Net interest margin | 4.3228% | 921 |
| Noninterest income to average assets | 0.3913% | 3,698 |
| Noninterest expense to average assets | 3.0455% | 2,028 |
| Loan and lease loss provision to assets | 0.5223% | 250 |
| Net operating income to assets | 0.6261% | 3,905 |
| Return on assets (ROA) | 0.6261% | 3,942 |
| Pretax return on assets | 0.8371% | 4,132 |
| Return on Equity (ROE) | 3.8765% | 4,542 |
| Retained earnings to average equity (ytd only) | 0.4003% | 4,872 |
| Net charge-offs to loans | 0.7407% | 280 |
| Credit loss provision to net charge-offs | 126.8595% | 2,074 |
| Earnings coverage of net charge-offs (x) | 3.3017% | 3,629 |
| Efficiency ratio | 69.1387% | 2,672 |
| Assets per employee ($millions) | 3.7126% | 4,414 |
| Cash dividends to net income (ytd only)* | 89.6739% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7477% | 76 |
| Loan loss allowance to noncurrent loans | 126.0674% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 1.4983% | 916 |
| Noncurrent loans to loans | 2.9728% | 379 |
| Net loans and leases to total assets | 48.5110% | 4,735 |
| Net loans and leases to deposits | 57.6308% | 4,705 |
| Net loans and leases to core deposits | 63.3932% | 4,574 |
| Total domestic deposits to total assets | 84.1754% | 3,134 |
| Equity capital to assets | 15.6176% | 564 |
| Core capital (leverage) ratio | 15.7487% | 506 |
| Tier 1 risk-based capital ratio | 24.5387% | 767 |
| Total risk-based capital ratio | 25.8099% | 745 |
| Memoranda: | ||
| Average total assets | $58,775,400 | 4,988 |
| Average earning assets | $54,571,400 | 4,984 |
| Average equity | $9,493,200 | 4,526 |
| Average total loans | $32,672,200 | 4,938 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7898% | 942 |
| Cost of funding earning assets | 0.3602% | 3,566 |
| Net interest margin | 4.4296% | 689 |
| Noninterest income to average assets | 0.4003% | 3,681 |
| Noninterest expense to average assets | 2.8318% | 2,626 |
| Loan and lease loss provision to assets | 0.4799% | 246 |
| Net operating income to assets | 0.9462% | 2,802 |
| Return on assets (ROA) | 0.9462% | 2,863 |
| Pretax return on assets | 1.2009% | 2,906 |
| Return on Equity (ROE) | 5.8095% | 4,204 |
| Retained earnings to average equity (ytd only) | 5.8095% | 2,372 |
| Net charge-offs to loans | -0.0200% | 4,850 |
| Credit loss provision to net charge-offs | -4,220.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7520% | 3,768 |
| Assets per employee ($millions) | 3.6139% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9731% | 67 |
| Loan loss allowance to noncurrent loans | 116.4986% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.8868% | 714 |
| Noncurrent loans to loans | 3.4104% | 328 |
| Net loans and leases to total assets | 53.1268% | 4,483 |
| Net loans and leases to deposits | 64.3667% | 4,354 |
| Net loans and leases to core deposits | 71.1269% | 4,180 |
| Total domestic deposits to total assets | 82.5378% | 3,611 |
| Equity capital to assets | 16.8621% | 447 |
| Core capital (leverage) ratio | 16.4910% | 433 |
| Tier 1 risk-based capital ratio | 24.7012% | 788 |
| Total risk-based capital ratio | 25.9767% | 767 |
| Memoranda: | ||
| Average total assets | $58,619,000 | 5,047 |
| Average earning assets | $54,420,000 | 5,042 |
| Average equity | $9,547,250 | 4,564 |
| Average total loans | $33,355,750 | 4,963 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8230% | 823 |
| Cost of funding earning assets | 0.3419% | 3,668 |
| Net interest margin | 4.4811% | 591 |
| Noninterest income to average assets | 0.3770% | 3,857 |
| Noninterest expense to average assets | 2.5745% | 3,511 |
| Loan and lease loss provision to assets | 0.3974% | 336 |
| Net operating income to assets | 1.2227% | 1,526 |
| Return on assets (ROA) | 1.2227% | 1,566 |
| Pretax return on assets | 1.5895% | 1,380 |
| Return on Equity (ROE) | 7.5952% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.5952% | 1,316 |
| Net charge-offs to loans | -0.0355% | 5,029 |
| Credit loss provision to net charge-offs | -1,950.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4408% | 4,774 |
| Assets per employee ($millions) | 3.4632% | 4,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5261% | 92 |
| Loan loss allowance to noncurrent loans | 104.3401% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.9177% | 689 |
| Noncurrent loans to loans | 3.3794% | 353 |
| Net loans and leases to total assets | 54.7440% | 4,337 |
| Net loans and leases to deposits | 65.9977% | 4,222 |
| Net loans and leases to core deposits | 72.7490% | 4,040 |
| Total domestic deposits to total assets | 82.9483% | 3,588 |
| Equity capital to assets | 16.5013% | 474 |
| Core capital (leverage) ratio | 15.9996% | 478 |
| Tier 1 risk-based capital ratio | 23.5297% | 898 |
| Total risk-based capital ratio | 24.8013% | 881 |
| Memoranda: | ||
| Average total assets | $58,884,670 | 5,080 |
| Average earning assets | $54,986,670 | 5,068 |
| Average equity | $9,479,670 | 4,595 |
| Average total loans | $33,811,000 | 4,986 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8486% | 684 |
| Cost of funding earning assets | 0.3276% | 3,776 |
| Net interest margin | 4.5210% | 506 |
| Noninterest income to average assets | 0.3804% | 3,802 |
| Noninterest expense to average assets | 2.4792% | 3,883 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5758% | 711 |
| Return on assets (ROA) | 1.5758% | 729 |
| Pretax return on assets | 2.1192% | 399 |
| Return on Equity (ROE) | 9.9124% | 2,003 |
| Retained earnings to average equity (ytd only) | 9.9124% | 829 |
| Net charge-offs to loans | -0.1529% | 5,571 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9143% | 5,134 |
| Assets per employee ($millions) | 3.7206% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0908% | 160 |
| Loan loss allowance to noncurrent loans | 99.6269% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.8008% | 787 |
| Noncurrent loans to loans | 3.1024% | 433 |
| Net loans and leases to total assets | 56.2506% | 4,146 |
| Net loans and leases to deposits | 67.1951% | 4,071 |
| Net loans and leases to core deposits | 74.7322% | 3,765 |
| Total domestic deposits to total assets | 83.7124% | 3,577 |
| Equity capital to assets | 15.9651% | 504 |
| Core capital (leverage) ratio | 15.7648% | 494 |
| Tier 1 risk-based capital ratio | 22.9389% | 986 |
| Total risk-based capital ratio | 24.2054% | 963 |
| Memoranda: | ||
| Average total assets | $58,890,000 | 5,134 |
| Average earning assets | $54,944,000 | 5,123 |
| Average equity | $9,362,000 | 4,646 |
| Average total loans | $34,012,500 | 5,029 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6004% | 1,281 |
| Cost of funding earning assets | 0.2373% | 4,679 |
| Net interest margin | 4.3630% | 834 |
| Noninterest income to average assets | 0.3956% | 3,922 |
| Noninterest expense to average assets | 2.9097% | 2,641 |
| Loan and lease loss provision to assets | 0.2158% | 1,035 |
| Net operating income to assets | 1.0459% | 2,159 |
| Return on assets (ROA) | 1.0887% | 2,048 |
| Pretax return on assets | 1.4123% | 1,890 |
| Return on Equity (ROE) | 6.6503% | 3,666 |
| Retained earnings to average equity (ytd only) | 1.6576% | 4,590 |
| Net charge-offs to loans | 0.1202% | 2,056 |
| Credit loss provision to net charge-offs | 338.4615% | 898 |
| Earnings coverage of net charge-offs (x) | 24.6667% | 1,627 |
| Efficiency ratio | 64.9161% | 3,777 |
| Assets per employee ($millions) | 3.6875% | 4,499 |
| Cash dividends to net income (ytd only)* | 75.0751% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 1,714 |
| Loan loss allowance to noncurrent loans | 12,550.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 5,392 |
| Noncurrent loans to loans | 0.0119% | 5,237 |
| Net loans and leases to total assets | 56.2966% | 4,240 |
| Net loans and leases to deposits | 67.7954% | 4,097 |
| Net loans and leases to core deposits | 74.6925% | 3,865 |
| Total domestic deposits to total assets | 83.0390% | 3,757 |
| Equity capital to assets | 16.4814% | 438 |
| Core capital (leverage) ratio | 16.3193% | 422 |
| Tier 1 risk-based capital ratio | 23.8439% | 882 |
| Total risk-based capital ratio | 25.0886% | 868 |
| Memoranda: | ||
| Average total assets | $61,175,400 | 5,112 |
| Average earning assets | $57,299,400 | 5,095 |
| Average equity | $10,014,600 | 4,570 |
| Average total loans | $32,441,800 | 5,119 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5857% | 1,319 |
| Cost of funding earning assets | 0.2399% | 4,707 |
| Net interest margin | 4.3458% | 850 |
| Noninterest income to average assets | 0.4061% | 3,879 |
| Noninterest expense to average assets | 2.6895% | 3,379 |
| Loan and lease loss provision to assets | 0.2268% | 891 |
| Net operating income to assets | 1.2086% | 1,618 |
| Return on assets (ROA) | 1.2659% | 1,492 |
| Pretax return on assets | 1.6332% | 1,291 |
| Return on Equity (ROE) | 7.7455% | 3,148 |
| Retained earnings to average equity (ytd only) | 7.7455% | 1,285 |
| Net charge-offs to loans | 0.1411% | 1,583 |
| Credit loss provision to net charge-offs | 308.8235% | 1,008 |
| Earnings coverage of net charge-offs (x) | 24.3247% | 1,680 |
| Efficiency ratio | 60.0869% | 4,527 |
| Assets per employee ($millions) | 3.6969% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 2,002 |
| Loan loss allowance to noncurrent loans | 12,000.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 5,390 |
| Noncurrent loans to loans | 0.0120% | 5,353 |
| Net loans and leases to total assets | 55.4049% | 4,370 |
| Net loans and leases to deposits | 68.0086% | 4,151 |
| Net loans and leases to core deposits | 75.0464% | 3,914 |
| Total domestic deposits to total assets | 81.4675% | 4,111 |
| Equity capital to assets | 17.5283% | 389 |
| Core capital (leverage) ratio | 16.8652% | 377 |
| Tier 1 risk-based capital ratio | 25.0156% | 814 |
| Total risk-based capital ratio | 26.2120% | 799 |
| Memoranda: | ||
| Average total assets | $61,719,250 | 5,150 |
| Average earning assets | $57,801,000 | 5,125 |
| Average equity | $10,087,250 | 4,602 |
| Average total loans | $32,123,000 | 5,175 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4955% | 1,526 |
| Cost of funding earning assets | 0.2399% | 4,756 |
| Net interest margin | 4.2556% | 1,010 |
| Noninterest income to average assets | 0.3899% | 3,950 |
| Noninterest expense to average assets | 2.4578% | 4,154 |
| Loan and lease loss provision to assets | 0.2237% | 925 |
| Net operating income to assets | 1.2875% | 1,311 |
| Return on assets (ROA) | 1.3711% | 1,186 |
| Pretax return on assets | 1.7866% | 908 |
| Return on Equity (ROE) | 8.5854% | 2,705 |
| Retained earnings to average equity (ytd only) | 8.5854% | 979 |
| Net charge-offs to loans | 0.0630% | 2,293 |
| Credit loss provision to net charge-offs | 700.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 59.5000% | 891 |
| Efficiency ratio | 56.3783% | 5,107 |
| Assets per employee ($millions) | 3.8177% | 4,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 2,126 |
| Loan loss allowance to noncurrent loans | 2,039.1304% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 5,329 |
| Noncurrent loans to loans | 0.0704% | 5,166 |
| Net loans and leases to total assets | 52.7053% | 4,616 |
| Net loans and leases to deposits | 64.0002% | 4,490 |
| Net loans and leases to core deposits | 70.3141% | 4,299 |
| Total domestic deposits to total assets | 82.3519% | 3,893 |
| Equity capital to assets | 16.7657% | 457 |
| Core capital (leverage) ratio | 16.0038% | 463 |
| Tier 1 risk-based capital ratio | 24.7451% | 833 |
| Total risk-based capital ratio | 25.9200% | 829 |
| Memoranda: | ||
| Average total assets | $62,575,670 | 5,185 |
| Average earning assets | $58,369,670 | 5,153 |
| Average equity | $9,993,670 | 4,643 |
| Average total loans | $31,746,670 | 5,239 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3954% | 1,814 |
| Cost of funding earning assets | 0.2442% | 4,760 |
| Net interest margin | 4.1512% | 1,215 |
| Noninterest income to average assets | 0.3853% | 3,946 |
| Noninterest expense to average assets | 2.3625% | 4,486 |
| Loan and lease loss provision to assets | 0.3727% | 389 |
| Net operating income to assets | 1.2053% | 1,537 |
| Return on assets (ROA) | 1.3771% | 1,141 |
| Pretax return on assets | 1.7308% | 987 |
| Return on Equity (ROE) | 8.8349% | 2,500 |
| Retained earnings to average equity (ytd only) | 8.8349% | 1,162 |
| Net charge-offs to loans | 0.1406% | 1,267 |
| Credit loss provision to net charge-offs | 536.3636% | 575 |
| Earnings coverage of net charge-offs (x) | 27.1818% | 1,251 |
| Efficiency ratio | 55.5721% | 5,231 |
| Assets per employee ($millions) | 3.9919% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 2,399 |
| Loan loss allowance to noncurrent loans | 1,632.1429% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 5,353 |
| Noncurrent loans to loans | 0.0860% | 5,129 |
| Net loans and leases to total assets | 50.2403% | 4,785 |
| Net loans and leases to deposits | 60.0704% | 4,711 |
| Net loans and leases to core deposits | 65.6123% | 4,560 |
| Total domestic deposits to total assets | 83.6358% | 3,667 |
| Equity capital to assets | 15.6456% | 573 |
| Core capital (leverage) ratio | 15.4020% | 544 |
| Tier 1 risk-based capital ratio | 24.1646% | 897 |
| Total risk-based capital ratio | 25.3068% | 898 |
| Memoranda: | ||
| Average total assets | $63,322,000 | 5,215 |
| Average earning assets | $58,971,000 | 5,187 |
| Average equity | $9,870,000 | 4,678 |
| Average total loans | $31,288,500 | 5,298 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0323% | 3,185 |
| Cost of funding earning assets | 0.2336% | 4,972 |
| Net interest margin | 3.7987% | 2,383 |
| Noninterest income to average assets | 0.3738% | 4,233 |
| Noninterest expense to average assets | 2.6197% | 3,851 |
| Loan and lease loss provision to assets | 0.3166% | 521 |
| Net operating income to assets | 0.8270% | 3,210 |
| Return on assets (ROA) | 0.9360% | 2,762 |
| Pretax return on assets | 1.1090% | 3,006 |
| Return on Equity (ROE) | 6.1545% | 3,968 |
| Retained earnings to average equity (ytd only) | 1.5843% | 4,815 |
| Net charge-offs to loans | 0.1584% | 1,794 |
| Credit loss provision to net charge-offs | 476.7442% | 656 |
| Earnings coverage of net charge-offs (x) | 19.5116% | 1,943 |
| Efficiency ratio | 66.9034% | 3,765 |
| Assets per employee ($millions) | 3.9233% | 4,078 |
| Cash dividends to net income (ytd only)* | 74.2574% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 2,602 |
| Loan loss allowance to noncurrent loans | 4,544.4444% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 5,551 |
| Noncurrent loans to loans | 0.0300% | 5,390 |
| Net loans and leases to total assets | 47.1891% | 5,077 |
| Net loans and leases to deposits | 56.2301% | 5,027 |
| Net loans and leases to core deposits | 61.4960% | 4,900 |
| Total domestic deposits to total assets | 83.9214% | 3,507 |
| Equity capital to assets | 15.5274% | 593 |
| Core capital (leverage) ratio | 15.1380% | 592 |
| Tier 1 risk-based capital ratio | 24.7181% | 839 |
| Total risk-based capital ratio | 25.7881% | 842 |
| Memoranda: | ||
| Average total assets | $64,741,000 | 5,206 |
| Average earning assets | $60,363,000 | 5,175 |
| Average equity | $9,846,400 | 4,678 |
| Average total loans | $27,146,800 | 5,475 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9414% | 3,580 |
| Cost of funding earning assets | 0.2344% | 5,050 |
| Net interest margin | 3.7070% | 2,739 |
| Noninterest income to average assets | 0.3740% | 4,260 |
| Noninterest expense to average assets | 2.4323% | 4,411 |
| Loan and lease loss provision to assets | 0.2248% | 822 |
| Net operating income to assets | 0.9735% | 2,608 |
| Return on assets (ROA) | 1.1160% | 2,017 |
| Pretax return on assets | 1.3469% | 2,224 |
| Return on Equity (ROE) | 7.3747% | 3,418 |
| Retained earnings to average equity (ytd only) | 7.3747% | 1,508 |
| Net charge-offs to loans | 0.1514% | 1,623 |
| Credit loss provision to net charge-offs | 366.6667% | 812 |
| Earnings coverage of net charge-offs (x) | 22.8328% | 1,759 |
| Efficiency ratio | 63.4667% | 4,341 |
| Assets per employee ($millions) | 3.9141% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 3,849 |
| Loan loss allowance to noncurrent loans | 1,721.0526% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 5,579 |
| Noncurrent loans to loans | 0.0676% | 5,345 |
| Net loans and leases to total assets | 44.3433% | 5,336 |
| Net loans and leases to deposits | 53.4264% | 5,292 |
| Net loans and leases to core deposits | 58.3342% | 5,168 |
| Total domestic deposits to total assets | 82.9988% | 3,825 |
| Equity capital to assets | 16.1645% | 537 |
| Core capital (leverage) ratio | 15.4817% | 556 |
| Tier 1 risk-based capital ratio | 26.6205% | 723 |
| Total risk-based capital ratio | 27.5051% | 729 |
| Memoranda: | ||
| Average total assets | $65,233,000 | 5,264 |
| Average earning assets | $60,856,250 | 5,222 |
| Average equity | $9,871,250 | 4,736 |
| Average total loans | $26,425,750 | 5,571 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8450% | 3,899 |
| Cost of funding earning assets | 0.2306% | 5,139 |
| Net interest margin | 3.6144% | 3,033 |
| Noninterest income to average assets | 0.3389% | 4,530 |
| Noninterest expense to average assets | 2.3085% | 4,821 |
| Loan and lease loss provision to assets | 0.3328% | 414 |
| Net operating income to assets | 0.8717% | 3,036 |
| Return on assets (ROA) | 1.0801% | 2,117 |
| Pretax return on assets | 1.3192% | 2,292 |
| Return on Equity (ROE) | 7.2951% | 3,442 |
| Retained earnings to average equity (ytd only) | 7.2951% | 1,574 |
| Net charge-offs to loans | 0.2319% | 1,119 |
| Credit loss provision to net charge-offs | 366.6667% | 800 |
| Earnings coverage of net charge-offs (x) | 15.4000% | 1,977 |
| Efficiency ratio | 62.2857% | 4,638 |
| Assets per employee ($millions) | 3.9695% | 3,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 3,887 |
| Loan loss allowance to noncurrent loans | 1,721.0526% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 5,663 |
| Noncurrent loans to loans | 0.0688% | 5,459 |
| Net loans and leases to total assets | 42.9635% | 5,439 |
| Net loans and leases to deposits | 51.2817% | 5,428 |
| Net loans and leases to core deposits | 55.8713% | 5,320 |
| Total domestic deposits to total assets | 83.7794% | 3,658 |
| Equity capital to assets | 15.5404% | 600 |
| Core capital (leverage) ratio | 14.8464% | 650 |
| Tier 1 risk-based capital ratio | 26.5292% | 738 |
| Total risk-based capital ratio | 27.4282% | 751 |
| Memoranda: | ||
| Average total assets | $66,102,330 | 5,300 |
| Average earning assets | $61,587,000 | 5,263 |
| Average equity | $9,787,330 | 4,789 |
| Average total loans | $25,868,670 | 5,639 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6208% | 4,624 |
| Cost of funding earning assets | 0.2235% | 5,282 |
| Net interest margin | 3.3973% | 3,856 |
| Noninterest income to average assets | 0.3324% | 4,531 |
| Noninterest expense to average assets | 2.1781% | 5,208 |
| Loan and lease loss provision to assets | 0.0831% | 2,311 |
| Net operating income to assets | 0.9643% | 2,426 |
| Return on assets (ROA) | 1.3532% | 1,197 |
| Pretax return on assets | 1.7271% | 999 |
| Return on Equity (ROE) | 9.3577% | 2,281 |
| Retained earnings to average equity (ytd only) | 9.3577% | 1,080 |
| Net charge-offs to loans | 0.1920% | 1,164 |
| Credit loss provision to net charge-offs | 116.6667% | 1,469 |
| Earnings coverage of net charge-offs (x) | 18.4167% | 1,491 |
| Efficiency ratio | 62.4150% | 4,727 |
| Assets per employee ($millions) | 4.2644% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9548% | 5,230 |
| Loan loss allowance to noncurrent loans | 1,078.2609% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 5,727 |
| Noncurrent loans to loans | 0.0886% | 5,428 |
| Net loans and leases to total assets | 37.7048% | 5,735 |
| Net loans and leases to deposits | 44.4748% | 5,739 |
| Net loans and leases to core deposits | 48.1058% | 5,667 |
| Total domestic deposits to total assets | 84.7780% | 3,523 |
| Equity capital to assets | 14.4658% | 845 |
| Core capital (leverage) ratio | 14.5077% | 689 |
| Tier 1 risk-based capital ratio | 26.5987% | 745 |
| Total risk-based capital ratio | 27.2915% | 763 |
| Memoranda: | ||
| Average total assets | $67,397,500 | 5,320 |
| Average earning assets | $62,638,500 | 5,288 |
| Average equity | $9,746,000 | 4,838 |
| Average total loans | $24,996,000 | 5,714 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8582% | 4,289 |
| Cost of funding earning assets | 0.2412% | 5,415 |
| Net interest margin | 3.6169% | 3,346 |
| Noninterest income to average assets | 0.3719% | 4,412 |
| Noninterest expense to average assets | 2.5910% | 4,254 |
| Loan and lease loss provision to assets | 0.0403% | 3,769 |
| Net operating income to assets | 0.9151% | 2,805 |
| Return on assets (ROA) | 1.0398% | 2,288 |
| Pretax return on assets | 1.2599% | 2,393 |
| Return on Equity (ROE) | 6.9766% | 3,651 |
| Retained earnings to average equity (ytd only) | 1.2581% | 5,214 |
| Net charge-offs to loans | 0.0866% | 3,253 |
| Credit loss provision to net charge-offs | 123.8095% | 1,931 |
| Earnings coverage of net charge-offs (x) | 35.3333% | 1,191 |
| Efficiency ratio | 69.2626% | 3,663 |
| Assets per employee ($millions) | 4.7546% | 2,652 |
| Cash dividends to net income (ytd only)* | 81.9672% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 4,928 |
| Loan loss allowance to noncurrent loans | 615.0000% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 5,718 |
| Noncurrent loans to loans | 0.1665% | 5,233 |
| Net loans and leases to total assets | 35.7125% | 5,969 |
| Net loans and leases to deposits | 42.0810% | 5,967 |
| Net loans and leases to core deposits | 45.6049% | 5,912 |
| Total domestic deposits to total assets | 84.8659% | 3,344 |
| Equity capital to assets | 14.4550% | 825 |
| Core capital (leverage) ratio | 14.3625% | 737 |
| Tier 1 risk-based capital ratio | 27.6495% | 633 |
| Total risk-based capital ratio | 28.3814% | 654 |
| Memoranda: | ||
| Average total assets | $64,530,600 | 5,435 |
| Average earning assets | $60,106,400 | 5,390 |
| Average equity | $9,617,800 | 4,837 |
| Average total loans | $24,244,200 | 5,812 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9245% | 4,078 |
| Cost of funding earning assets | 0.2435% | 5,470 |
| Net interest margin | 3.6810% | 3,100 |
| Noninterest income to average assets | 0.3853% | 4,351 |
| Noninterest expense to average assets | 2.4783% | 4,597 |
| Loan and lease loss provision to assets | 0.0500% | 3,380 |
| Net operating income to assets | 1.1038% | 2,011 |
| Return on assets (ROA) | 1.1038% | 2,076 |
| Pretax return on assets | 1.2891% | 2,417 |
| Return on Equity (ROE) | 7.3481% | 3,529 |
| Retained earnings to average equity (ytd only) | 7.3481% | 1,648 |
| Net charge-offs to loans | 0.0274% | 3,947 |
| Credit loss provision to net charge-offs | 480.0000% | 591 |
| Earnings coverage of net charge-offs (x) | 128.5322% | 464 |
| Efficiency ratio | 64.9209% | 4,386 |
| Assets per employee ($millions) | 4.6104% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 4,687 |
| Loan loss allowance to noncurrent loans | 337.6623% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 5,631 |
| Noncurrent loans to loans | 0.3301% | 4,914 |
| Net loans and leases to total assets | 35.7394% | 6,036 |
| Net loans and leases to deposits | 42.7256% | 6,025 |
| Net loans and leases to core deposits | 46.4781% | 5,941 |
| Total domestic deposits to total assets | 83.6486% | 3,899 |
| Equity capital to assets | 15.5101% | 637 |
| Core capital (leverage) ratio | 15.0535% | 612 |
| Tier 1 risk-based capital ratio | 28.5748% | 604 |
| Total risk-based capital ratio | 29.3406% | 623 |
| Memoranda: | ||
| Average total assets | $64,022,000 | 5,511 |
| Average earning assets | $59,691,750 | 5,464 |
| Average equity | $9,616,750 | 4,873 |
| Average total loans | $24,300,750 | 5,869 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9460% | 3,944 |
| Cost of funding earning assets | 0.2414% | 5,571 |
| Net interest margin | 3.7046% | 2,945 |
| Noninterest income to average assets | 0.3634% | 4,522 |
| Noninterest expense to average assets | 2.3305% | 5,079 |
| Loan and lease loss provision to assets | 0.0752% | 2,772 |
| Net operating income to assets | 1.1997% | 1,587 |
| Return on assets (ROA) | 1.1997% | 1,657 |
| Pretax return on assets | 1.4190% | 1,821 |
| Return on Equity (ROE) | 8.0756% | 3,049 |
| Retained earnings to average equity (ytd only) | 8.0756% | 1,302 |
| Net charge-offs to loans | 0.2112% | 1,761 |
| Credit loss provision to net charge-offs | 92.3077% | 2,140 |
| Earnings coverage of net charge-offs (x) | 18.3462% | 1,691 |
| Efficiency ratio | 60.9337% | 5,151 |
| Assets per employee ($millions) | 4.3449% | 3,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0227% | 5,253 |
| Loan loss allowance to noncurrent loans | 367.6923% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 5,798 |
| Noncurrent loans to loans | 0.2781% | 5,185 |
| Net loans and leases to total assets | 35.4911% | 6,072 |
| Net loans and leases to deposits | 42.1123% | 6,063 |
| Net loans and leases to core deposits | 45.7415% | 6,004 |
| Total domestic deposits to total assets | 84.2775% | 3,822 |
| Equity capital to assets | 15.0428% | 691 |
| Core capital (leverage) ratio | 14.8723% | 627 |
| Tier 1 risk-based capital ratio | 27.7689% | 659 |
| Total risk-based capital ratio | 28.4635% | 676 |
| Memoranda: | ||
| Average total assets | $63,847,670 | 5,566 |
| Average earning assets | $59,656,000 | 5,511 |
| Average equity | $9,485,330 | 4,912 |
| Average total loans | $24,625,000 | 5,902 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0488% | 3,482 |
| Cost of funding earning assets | 0.2450% | 5,634 |
| Net interest margin | 3.8038% | 2,461 |
| Noninterest income to average assets | 0.3545% | 4,542 |
| Noninterest expense to average assets | 2.3613% | 5,029 |
| Loan and lease loss provision to assets | 0.1266% | 1,920 |
| Net operating income to assets | 1.2218% | 1,418 |
| Return on assets (ROA) | 1.2218% | 1,473 |
| Pretax return on assets | 1.4054% | 1,723 |
| Return on Equity (ROE) | 8.2779% | 2,808 |
| Retained earnings to average equity (ytd only) | 8.2779% | 1,504 |
| Net charge-offs to loans | 0.0475% | 2,723 |
| Credit loss provision to net charge-offs | 666.6667% | 422 |
| Earnings coverage of net charge-offs (x) | 80.6667% | 535 |
| Efficiency ratio | 60.6504% | 5,312 |
| Assets per employee ($millions) | 3.9999% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 5,549 |
| Loan loss allowance to noncurrent loans | 273.4043% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 5,802 |
| Noncurrent loans to loans | 0.3636% | 5,036 |
| Net loans and leases to total assets | 39.9912% | 5,809 |
| Net loans and leases to deposits | 47.2136% | 5,779 |
| Net loans and leases to core deposits | 51.3348% | 5,664 |
| Total domestic deposits to total assets | 84.7029% | 4,002 |
| Equity capital to assets | 14.8455% | 708 |
| Core capital (leverage) ratio | 14.8767% | 615 |
| Tier 1 risk-based capital ratio | 26.0733% | 786 |
| Total risk-based capital ratio | 26.7888% | 816 |
| Memoranda: | ||
| Average total assets | $63,184,500 | 5,638 |
| Average earning assets | $58,783,500 | 5,595 |
| Average equity | $9,326,000 | 4,970 |
| Average total loans | $25,252,500 | 5,927 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8727% | 4,562 |
| Cost of funding earning assets | 0.2528% | 5,944 |
| Net interest margin | 3.6199% | 3,375 |
| Noninterest income to average assets | 0.4205% | 4,296 |
| Noninterest expense to average assets | 2.6681% | 4,215 |
| Loan and lease loss provision to assets | 0.1402% | 2,555 |
| Net operating income to assets | 0.8946% | 2,810 |
| Return on assets (ROA) | 0.8946% | 2,898 |
| Pretax return on assets | 0.9954% | 3,368 |
| Return on Equity (ROE) | 5.9521% | 4,114 |
| Retained earnings to average equity (ytd only) | 1.1317% | 5,320 |
| Net charge-offs to loans | 0.5088% | 1,303 |
| Credit loss provision to net charge-offs | 73.5537% | 3,213 |
| Earnings coverage of net charge-offs (x) | 5.9587% | 3,165 |
| Efficiency ratio | 70.1449% | 3,819 |
| Assets per employee ($millions) | 3.8981% | 4,068 |
| Cash dividends to net income (ytd only)* | 80.9859% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 5,676 |
| Loan loss allowance to noncurrent loans | 191.2698% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2020% | 5,687 |
| Noncurrent loans to loans | 0.5111% | 4,716 |
| Net loans and leases to total assets | 39.1422% | 6,025 |
| Net loans and leases to deposits | 46.0241% | 6,006 |
| Net loans and leases to core deposits | 50.1366% | 5,929 |
| Total domestic deposits to total assets | 85.0473% | 3,717 |
| Equity capital to assets | 14.6721% | 745 |
| Core capital (leverage) ratio | 14.7902% | 633 |
| Tier 1 risk-based capital ratio | 26.7522% | 706 |
| Total risk-based capital ratio | 27.4552% | 732 |
| Memoranda: | ||
| Average total assets | $63,490,200 | 5,664 |
| Average earning assets | $59,338,200 | 5,614 |
| Average equity | $9,542,800 | 4,960 |
| Average total loans | $23,781,200 | 6,044 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8569% | 4,648 |
| Cost of funding earning assets | 0.2570% | 6,034 |
| Net interest margin | 3.5999% | 3,446 |
| Noninterest income to average assets | 0.4286% | 4,312 |
| Noninterest expense to average assets | 2.5529% | 4,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0705% | 2,114 |
| Return on assets (ROA) | 1.0705% | 2,199 |
| Pretax return on assets | 1.2440% | 2,531 |
| Return on Equity (ROE) | 7.0809% | 3,599 |
| Retained earnings to average equity (ytd only) | 7.0809% | 1,833 |
| Net charge-offs to loans | 0.0792% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 42.4912% | 964 |
| Efficiency ratio | 67.2357% | 4,252 |
| Assets per employee ($millions) | 4.3654% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 5,497 |
| Loan loss allowance to noncurrent loans | 187.6812% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 5,769 |
| Noncurrent loans to loans | 0.5633% | 4,799 |
| Net loans and leases to total assets | 39.6639% | 6,051 |
| Net loans and leases to deposits | 47.3207% | 6,007 |
| Net loans and leases to core deposits | 51.7075% | 5,907 |
| Total domestic deposits to total assets | 83.8193% | 4,273 |
| Equity capital to assets | 15.6915% | 597 |
| Core capital (leverage) ratio | 15.4422% | 573 |
| Tier 1 risk-based capital ratio | 28.1291% | 624 |
| Total risk-based capital ratio | 28.8899% | 641 |
| Memoranda: | ||
| Average total assets | $63,770,250 | 5,716 |
| Average earning assets | $59,666,250 | 5,659 |
| Average equity | $9,640,750 | 4,988 |
| Average total loans | $23,563,000 | 6,113 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7458% | 5,002 |
| Cost of funding earning assets | 0.2579% | 6,122 |
| Net interest margin | 3.4879% | 3,825 |
| Noninterest income to average assets | 0.3959% | 4,555 |
| Noninterest expense to average assets | 2.3819% | 5,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0950% | 1,941 |
| Return on assets (ROA) | 1.0950% | 2,058 |
| Pretax return on assets | 1.2776% | 2,377 |
| Return on Equity (ROE) | 7.3310% | 3,427 |
| Retained earnings to average equity (ytd only) | 7.3310% | 1,734 |
| Net charge-offs to loans | -0.0172% | 5,923 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0888% | 4,692 |
| Assets per employee ($millions) | 4.2299% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 5,294 |
| Loan loss allowance to noncurrent loans | 561.2245% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 6,214 |
| Noncurrent loans to loans | 0.2026% | 5,802 |
| Net loans and leases to total assets | 37.6891% | 6,196 |
| Net loans and leases to deposits | 44.6922% | 6,186 |
| Net loans and leases to core deposits | 48.9399% | 6,082 |
| Total domestic deposits to total assets | 84.3305% | 4,186 |
| Equity capital to assets | 15.1400% | 686 |
| Core capital (leverage) ratio | 14.7780% | 653 |
| Tier 1 risk-based capital ratio | 27.7285% | 646 |
| Total risk-based capital ratio | 28.5382% | 660 |
| Memoranda: | ||
| Average total assets | $64,655,000 | 5,735 |
| Average earning assets | $60,495,000 | 5,676 |
| Average equity | $9,657,670 | 5,017 |
| Average total loans | $23,250,670 | 6,166 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6958% | 5,184 |
| Cost of funding earning assets | 0.2565% | 6,243 |
| Net interest margin | 3.4393% | 3,964 |
| Noninterest income to average assets | 0.3739% | 4,674 |
| Noninterest expense to average assets | 2.3660% | 5,211 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0788% | 1,937 |
| Return on assets (ROA) | 1.0788% | 2,043 |
| Pretax return on assets | 1.2136% | 2,524 |
| Return on Equity (ROE) | 7.2701% | 3,342 |
| Retained earnings to average equity (ytd only) | 7.2701% | 2,039 |
| Net charge-offs to loans | -0.0176% | 5,661 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0959% | 4,645 |
| Assets per employee ($millions) | 3.8544% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 5,384 |
| Loan loss allowance to noncurrent loans | 288.4211% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.1602% | 6,091 |
| Noncurrent loans to loans | 0.4005% | 5,418 |
| Net loans and leases to total assets | 35.7808% | 6,312 |
| Net loans and leases to deposits | 42.4290% | 6,293 |
| Net loans and leases to core deposits | 46.5937% | 6,179 |
| Total domestic deposits to total assets | 84.3309% | 4,344 |
| Equity capital to assets | 14.8938% | 780 |
| Core capital (leverage) ratio | 14.5144% | 668 |
| Tier 1 risk-based capital ratio | 27.4399% | 674 |
| Total risk-based capital ratio | 28.2536% | 694 |
| Memoranda: | ||
| Average total assets | $65,258,500 | 5,766 |
| Average earning assets | $60,826,500 | 5,716 |
| Average equity | $9,683,500 | 5,071 |
| Average total loans | $22,782,000 | 6,236 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7353% | 5,978 |
| Cost of funding earning assets | 0.3198% | 6,356 |
| Net interest margin | 3.4154% | 4,831 |
| Noninterest income to average assets | 0.4125% | 4,509 |
| Noninterest expense to average assets | 2.6884% | 4,441 |
| Loan and lease loss provision to assets | 0.1638% | 3,565 |
| Net operating income to assets | 0.6814% | 3,825 |
| Return on assets (ROA) | 0.9131% | 2,988 |
| Pretax return on assets | 0.9966% | 3,560 |
| Return on Equity (ROE) | 6.0676% | 4,139 |
| Retained earnings to average equity (ytd only) | 1.4476% | 5,147 |
| Net charge-offs to loans | 1.1286% | 922 |
| Credit loss provision to net charge-offs | 40.7692% | 4,924 |
| Earnings coverage of net charge-offs (x) | 2.2615% | 4,286 |
| Efficiency ratio | 74.7423% | 2,941 |
| Assets per employee ($millions) | 3.8231% | 4,320 |
| Cash dividends to net income (ytd only)* | 76.1421% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 4,875 |
| Loan loss allowance to noncurrent loans | 235.3448% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 6,079 |
| Noncurrent loans to loans | 0.5310% | 5,203 |
| Net loans and leases to total assets | 33.1913% | 6,584 |
| Net loans and leases to deposits | 39.3219% | 6,582 |
| Net loans and leases to core deposits | 42.6974% | 6,518 |
| Total domestic deposits to total assets | 84.4091% | 4,122 |
| Equity capital to assets | 14.7831% | 794 |
| Core capital (leverage) ratio | 14.0529% | 785 |
| Tier 1 risk-based capital ratio | 28.3782% | 599 |
| Total risk-based capital ratio | 29.2329% | 612 |
| Memoranda: | ||
| Average total assets | $64,722,400 | 5,794 |
| Average earning assets | $60,344,000 | 5,735 |
| Average equity | $9,740,200 | 5,043 |
| Average total loans | $23,036,600 | 6,293 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7784% | 6,073 |
| Cost of funding earning assets | 0.3316% | 6,456 |
| Net interest margin | 3.4467% | 4,855 |
| Noninterest income to average assets | 0.4207% | 4,478 |
| Noninterest expense to average assets | 2.5509% | 4,914 |
| Loan and lease loss provision to assets | 0.2186% | 2,875 |
| Net operating income to assets | 0.7351% | 3,754 |
| Return on assets (ROA) | 1.0208% | 2,636 |
| Pretax return on assets | 1.2022% | 2,987 |
| Return on Equity (ROE) | 6.7529% | 3,932 |
| Retained earnings to average equity (ytd only) | 6.7529% | 2,249 |
| Net charge-offs to loans | 1.4056% | 638 |
| Credit loss provision to net charge-offs | 43.0894% | 4,552 |
| Earnings coverage of net charge-offs (x) | 2.1382% | 4,193 |
| Efficiency ratio | 70.1645% | 3,659 |
| Assets per employee ($millions) | 3.7959% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 4,957 |
| Loan loss allowance to noncurrent loans | 165.8960% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.2913% | 5,976 |
| Noncurrent loans to loans | 0.7644% | 4,886 |
| Net loans and leases to total assets | 34.6258% | 6,626 |
| Net loans and leases to deposits | 41.4599% | 6,625 |
| Net loans and leases to core deposits | 45.6354% | 6,529 |
| Total domestic deposits to total assets | 83.5162% | 4,425 |
| Equity capital to assets | 15.4967% | 703 |
| Core capital (leverage) ratio | 14.7618% | 657 |
| Tier 1 risk-based capital ratio | 32.1125% | 439 |
| Total risk-based capital ratio | 33.0912% | 441 |
| Memoranda: | ||
| Average total assets | $64,654,750 | 5,858 |
| Average earning assets | $60,307,000 | 5,793 |
| Average equity | $9,773,250 | 5,083 |
| Average total loans | $23,334,500 | 6,364 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8250% | 6,081 |
| Cost of funding earning assets | 0.3444% | 6,531 |
| Net interest margin | 3.4806% | 4,758 |
| Noninterest income to average assets | 0.3988% | 4,657 |
| Noninterest expense to average assets | 2.4082% | 5,431 |
| Loan and lease loss provision to assets | 0.1144% | 4,101 |
| Net operating income to assets | 0.9014% | 2,900 |
| Return on assets (ROA) | 1.3046% | 1,580 |
| Pretax return on assets | 1.6291% | 1,462 |
| Return on Equity (ROE) | 8.7031% | 2,936 |
| Retained earnings to average equity (ytd only) | 8.7031% | 1,375 |
| Net charge-offs to loans | 1.3068% | 813 |
| Credit loss provision to net charge-offs | 24.0260% | 4,545 |
| Earnings coverage of net charge-offs (x) | 2.6039% | 3,704 |
| Efficiency ratio | 66.0169% | 4,533 |
| Assets per employee ($millions) | 3.8160% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 5,046 |
| Loan loss allowance to noncurrent loans | 142.3963% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 5,888 |
| Noncurrent loans to loans | 0.8898% | 4,710 |
| Net loans and leases to total assets | 37.1177% | 6,540 |
| Net loans and leases to deposits | 44.3534% | 6,536 |
| Net loans and leases to core deposits | 48.4877% | 6,430 |
| Total domestic deposits to total assets | 83.6863% | 4,450 |
| Equity capital to assets | 15.3132% | 716 |
| Core capital (leverage) ratio | 14.6655% | 659 |
| Tier 1 risk-based capital ratio | 28.0884% | 634 |
| Total risk-based capital ratio | 29.0171% | 645 |
| Memoranda: | ||
| Average total assets | $64,696,330 | 5,896 |
| Average earning assets | $60,392,670 | 5,822 |
| Average equity | $9,697,670 | 5,110 |
| Average total loans | $23,569,000 | 6,386 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8073% | 6,227 |
| Cost of funding earning assets | 0.3648% | 6,576 |
| Net interest margin | 3.4425% | 4,942 |
| Noninterest income to average assets | 0.4086% | 4,610 |
| Noninterest expense to average assets | 2.4641% | 5,274 |
| Loan and lease loss provision to assets | 0.0929% | 4,188 |
| Net operating income to assets | 0.8118% | 3,325 |
| Return on assets (ROA) | 1.5787% | 1,002 |
| Pretax return on assets | 2.0740% | 660 |
| Return on Equity (ROE) | 10.6477% | 2,165 |
| Retained earnings to average equity (ytd only) | 10.6477% | 1,128 |
| Net charge-offs to loans | -0.2591% | 7,035 |
| Credit loss provision to net charge-offs | -100.0000% | 5,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0342% | 4,164 |
| Assets per employee ($millions) | 3.8631% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 2,918 |
| Loan loss allowance to noncurrent loans | 1,520.0000% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 6,717 |
| Noncurrent loans to loans | 0.1199% | 6,452 |
| Net loans and leases to total assets | 37.3980% | 6,531 |
| Net loans and leases to deposits | 44.2419% | 6,545 |
| Net loans and leases to core deposits | 48.5452% | 6,425 |
| Total domestic deposits to total assets | 84.5307% | 4,257 |
| Equity capital to assets | 14.6744% | 815 |
| Core capital (leverage) ratio | 14.4802% | 695 |
| Tier 1 risk-based capital ratio | 26.9603% | 738 |
| Total risk-based capital ratio | 28.2118% | 722 |
| Memoranda: | ||
| Average total assets | $64,608,500 | 5,936 |
| Average earning assets | $60,305,500 | 5,865 |
| Average equity | $9,579,500 | 5,150 |
| Average total loans | $23,159,500 | 6,454 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2918% | 5,786 |
| Cost of funding earning assets | 0.5141% | 6,475 |
| Net interest margin | 3.7778% | 3,934 |
| Noninterest income to average assets | 0.4976% | 3,859 |
| Noninterest expense to average assets | 2.8731% | 4,070 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9554% | 2,384 |
| Return on assets (ROA) | 1.0709% | 2,059 |
| Pretax return on assets | 1.2289% | 2,357 |
| Return on Equity (ROE) | 6.7790% | 3,499 |
| Retained earnings to average equity (ytd only) | 1.8837% | 4,862 |
| Net charge-offs to loans | -0.2228% | 7,220 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3846% | 3,503 |
| Assets per employee ($millions) | 3.7379% | 4,468 |
| Cash dividends to net income (ytd only)* | 72.2135% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0044% | 2,262 |
| Loan loss allowance to noncurrent loans | 1,123.6842% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 6,745 |
| Noncurrent loans to loans | 0.1784% | 6,391 |
| Net loans and leases to total assets | 32.8523% | 6,922 |
| Net loans and leases to deposits | 39.0352% | 6,924 |
| Net loans and leases to core deposits | 42.7253% | 6,862 |
| Total domestic deposits to total assets | 84.1608% | 4,253 |
| Equity capital to assets | 14.9847% | 788 |
| Core capital (leverage) ratio | 14.4587% | 725 |
| Tier 1 risk-based capital ratio | 27.8656% | 632 |
| Total risk-based capital ratio | 29.1149% | 621 |
| Memoranda: | ||
| Average total assets | $59,482,400 | 6,057 |
| Average earning assets | $54,662,000 | 6,022 |
| Average equity | $9,396,600 | 5,180 |
| Average total loans | $21,992,000 | 6,557 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4830% | 5,303 |
| Cost of funding earning assets | 0.5514% | 6,508 |
| Net interest margin | 3.9316% | 3,226 |
| Noninterest income to average assets | 0.5131% | 3,774 |
| Noninterest expense to average assets | 2.7753% | 4,443 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1020% | 1,961 |
| Return on assets (ROA) | 1.2497% | 1,621 |
| Pretax return on assets | 1.5279% | 1,586 |
| Return on Equity (ROE) | 7.8017% | 3,135 |
| Retained earnings to average equity (ytd only) | 7.8017% | 1,590 |
| Net charge-offs to loans | -0.1323% | 7,208 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3119% | 4,462 |
| Assets per employee ($millions) | 3.6080% | 4,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8693% | 2,717 |
| Loan loss allowance to noncurrent loans | 3,069.2308% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 6,933 |
| Noncurrent loans to loans | 0.0609% | 6,781 |
| Net loans and leases to total assets | 34.1496% | 6,947 |
| Net loans and leases to deposits | 41.2607% | 6,938 |
| Net loans and leases to core deposits | 45.3809% | 6,871 |
| Total domestic deposits to total assets | 82.7654% | 4,771 |
| Equity capital to assets | 16.1406% | 606 |
| Core capital (leverage) ratio | 15.2951% | 608 |
| Tier 1 risk-based capital ratio | 29.5325% | 571 |
| Total risk-based capital ratio | 30.7815% | 555 |
| Memoranda: | ||
| Average total assets | $58,466,750 | 6,134 |
| Average earning assets | $53,683,250 | 6,106 |
| Average equity | $9,365,250 | 5,216 |
| Average total loans | $22,164,250 | 6,611 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5166% | 5,305 |
| Cost of funding earning assets | 0.5646% | 6,606 |
| Net interest margin | 3.9520% | 3,077 |
| Noninterest income to average assets | 0.4938% | 3,918 |
| Noninterest expense to average assets | 2.6465% | 5,016 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2415% | 1,458 |
| Return on assets (ROA) | 1.2415% | 1,534 |
| Pretax return on assets | 1.4989% | 1,534 |
| Return on Equity (ROE) | 7.7719% | 3,061 |
| Retained earnings to average equity (ytd only) | 7.7719% | 1,543 |
| Net charge-offs to loans | -0.2050% | 7,290 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8423% | 5,269 |
| Assets per employee ($millions) | 3.5906% | 4,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7765% | 3,072 |
| Loan loss allowance to noncurrent loans | 1,662.5000% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 6,937 |
| Noncurrent loans to loans | 0.1069% | 6,705 |
| Net loans and leases to total assets | 36.1419% | 6,954 |
| Net loans and leases to deposits | 43.3036% | 6,942 |
| Net loans and leases to core deposits | 47.6068% | 6,870 |
| Total domestic deposits to total assets | 83.4617% | 4,560 |
| Equity capital to assets | 15.6488% | 666 |
| Core capital (leverage) ratio | 15.2854% | 621 |
| Tier 1 risk-based capital ratio | 28.2154% | 646 |
| Total risk-based capital ratio | 29.4398% | 634 |
| Memoranda: | ||
| Average total assets | $57,510,330 | 6,222 |
| Average earning assets | $53,137,000 | 6,180 |
| Average equity | $9,187,000 | 5,271 |
| Average total loans | $22,437,330 | 6,666 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6342% | 4,804 |
| Cost of funding earning assets | 0.5851% | 6,667 |
| Net interest margin | 4.0491% | 2,475 |
| Noninterest income to average assets | 0.4592% | 4,193 |
| Noninterest expense to average assets | 2.5760% | 5,314 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3346% | 1,188 |
| Return on assets (ROA) | 1.3346% | 1,236 |
| Pretax return on assets | 1.6073% | 1,173 |
| Return on Equity (ROE) | 8.2625% | 2,792 |
| Retained earnings to average equity (ytd only) | 8.2625% | 1,628 |
| Net charge-offs to loans | -0.0178% | 6,532 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5780% | 5,746 |
| Assets per employee ($millions) | 3.3105% | 5,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 3,486 |
| Loan loss allowance to noncurrent loans | 2,907.6923% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 7,041 |
| Noncurrent loans to loans | 0.0571% | 6,901 |
| Net loans and leases to total assets | 39.7839% | 6,796 |
| Net loans and leases to deposits | 47.9033% | 6,763 |
| Net loans and leases to core deposits | 49.5069% | 6,803 |
| Total domestic deposits to total assets | 83.0505% | 4,904 |
| Equity capital to assets | 16.2938% | 526 |
| Core capital (leverage) ratio | 16.0370% | 492 |
| Tier 1 risk-based capital ratio | 28.3308% | 614 |
| Total risk-based capital ratio | 29.4791% | 607 |
| Memoranda: | ||
| Average total assets | $55,745,500 | 6,316 |
| Average earning assets | $51,270,500 | 6,298 |
| Average equity | $9,004,500 | 5,329 |
| Average total loans | $22,426,000 | 6,716 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6123% | 6,073 |
| Cost of funding earning assets | 0.7121% | 6,848 |
| Net interest margin | 3.9001% | 3,489 |
| Noninterest income to average assets | 0.5603% | 3,746 |
| Noninterest expense to average assets | 2.9933% | 3,871 |
| Loan and lease loss provision to assets | 0.1643% | 5,573 |
| Net operating income to assets | 0.9094% | 2,344 |
| Return on assets (ROA) | 0.9527% | 2,320 |
| Pretax return on assets | 1.0805% | 2,656 |
| Return on Equity (ROE) | 5.4807% | 3,848 |
| Retained earnings to average equity (ytd only) | -3.9688% | 6,200 |
| Net charge-offs to loans | 0.2125% | 5,016 |
| Credit loss provision to net charge-offs | 191.4894% | 1,679 |
| Earnings coverage of net charge-offs (x) | 13.9362% | 1,376 |
| Efficiency ratio | 71.4597% | 3,896 |
| Assets per employee ($millions) | 3.2478% | 5,541 |
| Cash dividends to net income (ytd only)* | 172.4138% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7071% | 3,192 |
| Loan loss allowance to noncurrent loans | 454.2169% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 6,790 |
| Noncurrent loans to loans | 0.3758% | 6,302 |
| Net loans and leases to total assets | 39.3157% | 7,007 |
| Net loans and leases to deposits | 47.0378% | 6,994 |
| Net loans and leases to core deposits | 48.6301% | 7,041 |
| Total domestic deposits to total assets | 83.5833% | 4,567 |
| Equity capital to assets | 16.0092% | 581 |
| Core capital (leverage) ratio | 16.0825% | 499 |
| Tier 1 risk-based capital ratio | 28.4307% | 578 |
| Total risk-based capital ratio | 29.6564% | 566 |
| Memoranda: | ||
| Average total assets | $54,789,000 | 6,378 |
| Average earning assets | $50,972,800 | 6,328 |
| Average equity | $9,524,400 | 5,256 |
| Average total loans | $22,115,000 | 6,816 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6975% | 6,031 |
| Cost of funding earning assets | 0.7458% | 6,930 |
| Net interest margin | 3.9516% | 3,317 |
| Noninterest income to average assets | 0.5827% | 3,561 |
| Noninterest expense to average assets | 2.7845% | 4,554 |
| Loan and lease loss provision to assets | 0.0731% | 6,325 |
| Net operating income to assets | 1.1438% | 1,747 |
| Return on assets (ROA) | 1.1972% | 1,682 |
| Pretax return on assets | 1.4727% | 1,676 |
| Return on Equity (ROE) | 6.7519% | 3,456 |
| Retained earnings to average equity (ytd only) | 6.7519% | 1,968 |
| Net charge-offs to loans | -0.0301% | 7,403 |
| Credit loss provision to net charge-offs | -600.0000% | 7,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2945% | 5,003 |
| Assets per employee ($millions) | 3.3845% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7310% | 3,060 |
| Loan loss allowance to noncurrent loans | 397.8495% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1994% | 6,867 |
| Noncurrent loans to loans | 0.4351% | 6,326 |
| Net loans and leases to total assets | 38.7890% | 7,140 |
| Net loans and leases to deposits | 48.4042% | 7,071 |
| Net loans and leases to core deposits | 50.5110% | 7,105 |
| Total domestic deposits to total assets | 80.1355% | 5,662 |
| Equity capital to assets | 18.6863% | 367 |
| Core capital (leverage) ratio | 17.8397% | 363 |
| Tier 1 risk-based capital ratio | 34.4094% | 362 |
| Total risk-based capital ratio | 35.6621% | 357 |
| Memoranda: | ||
| Average total assets | $54,683,250 | 6,457 |
| Average earning assets | $50,948,000 | 6,404 |
| Average equity | $9,695,750 | 5,287 |
| Average total loans | $22,122,750 | 6,905 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7851% | 5,843 |
| Cost of funding earning assets | 0.7695% | 7,008 |
| Net interest margin | 4.0156% | 2,945 |
| Noninterest income to average assets | 0.5213% | 3,947 |
| Noninterest expense to average assets | 2.6139% | 5,267 |
| Loan and lease loss provision to assets | 0.1094% | 5,815 |
| Net operating income to assets | 1.2237% | 1,500 |
| Return on assets (ROA) | 1.3015% | 1,365 |
| Pretax return on assets | 1.6442% | 1,181 |
| Return on Equity (ROE) | 7.4728% | 3,121 |
| Retained earnings to average equity (ytd only) | 7.4728% | 1,646 |
| Net charge-offs to loans | 0.0536% | 5,631 |
| Credit loss provision to net charge-offs | 500.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 75.6667% | 416 |
| Efficiency ratio | 61.2297% | 5,815 |
| Assets per employee ($millions) | 3.3593% | 5,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 3,311 |
| Loan loss allowance to noncurrent loans | 873.1707% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 7,133 |
| Noncurrent loans to loans | 0.1873% | 6,877 |
| Net loans and leases to total assets | 40.0703% | 7,161 |
| Net loans and leases to deposits | 49.5103% | 7,087 |
| Net loans and leases to core deposits | 51.6562% | 7,150 |
| Total domestic deposits to total assets | 80.9332% | 5,426 |
| Equity capital to assets | 18.1346% | 405 |
| Core capital (leverage) ratio | 17.4525% | 401 |
| Tier 1 risk-based capital ratio | 31.9084% | 430 |
| Total risk-based capital ratio | 33.1134% | 421 |
| Memoranda: | ||
| Average total assets | $54,860,330 | 6,496 |
| Average earning assets | $51,200,330 | 6,437 |
| Average equity | $9,554,670 | 5,327 |
| Average total loans | $22,372,000 | 6,943 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8372% | 5,736 |
| Cost of funding earning assets | 0.7764% | 7,160 |
| Net interest margin | 4.0608% | 2,608 |
| Noninterest income to average assets | 0.4836% | 4,171 |
| Noninterest expense to average assets | 2.5191% | 5,664 |
| Loan and lease loss provision to assets | 0.2165% | 4,341 |
| Net operating income to assets | 1.1905% | 1,563 |
| Return on assets (ROA) | 1.3426% | 1,269 |
| Pretax return on assets | 1.7179% | 1,022 |
| Return on Equity (ROE) | 7.8659% | 2,954 |
| Retained earnings to average equity (ytd only) | 7.8659% | 1,766 |
| Net charge-offs to loans | -0.0531% | 7,360 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1525% | 6,316 |
| Assets per employee ($millions) | 3.4655% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6115% | 3,392 |
| Loan loss allowance to noncurrent loans | 288.9764% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.2831% | 6,769 |
| Noncurrent loans to loans | 0.5577% | 6,180 |
| Net loans and leases to total assets | 40.4108% | 7,227 |
| Net loans and leases to deposits | 49.2256% | 7,171 |
| Net loans and leases to core deposits | 51.2570% | 7,235 |
| Total domestic deposits to total assets | 82.0931% | 5,039 |
| Equity capital to assets | 17.2522% | 503 |
| Core capital (leverage) ratio | 17.1323% | 443 |
| Tier 1 risk-based capital ratio | 30.7776% | 487 |
| Total risk-based capital ratio | 31.9910% | 479 |
| Memoranda: | ||
| Average total assets | $55,416,500 | 6,555 |
| Average earning assets | $51,517,500 | 6,493 |
| Average equity | $9,458,500 | 5,406 |
| Average total loans | $22,610,500 | 7,014 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9129% | 6,680 |
| Cost of funding earning assets | 0.9314% | 7,342 |
| Net interest margin | 3.9815% | 2,934 |
| Noninterest income to average assets | 0.5304% | 4,176 |
| Noninterest expense to average assets | 2.8830% | 4,595 |
| Loan and lease loss provision to assets | 0.1894% | 5,826 |
| Net operating income to assets | 0.9649% | 1,964 |
| Return on assets (ROA) | 0.9706% | 1,997 |
| Pretax return on assets | 1.2286% | 1,870 |
| Return on Equity (ROE) | 5.7822% | 3,300 |
| Retained earnings to average equity (ytd only) | 2.5579% | 3,358 |
| Net charge-offs to loans | 0.9638% | 2,477 |
| Credit loss provision to net charge-offs | 50.2392% | 6,741 |
| Earnings coverage of net charge-offs (x) | 3.7416% | 3,222 |
| Efficiency ratio | 67.1429% | 5,154 |
| Assets per employee ($millions) | 3.4616% | 5,099 |
| Cash dividends to net income (ytd only)* | 55.7621% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 3,791 |
| Loan loss allowance to noncurrent loans | 457.5342% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 7,004 |
| Noncurrent loans to loans | 0.3252% | 6,628 |
| Net loans and leases to total assets | 39.9260% | 7,353 |
| Net loans and leases to deposits | 48.4212% | 7,337 |
| Net loans and leases to core deposits | 56.5073% | 7,387 |
| Total domestic deposits to total assets | 82.4555% | 4,757 |
| Equity capital to assets | 16.8836% | 567 |
| Core capital (leverage) ratio | 16.9098% | 502 |
| Tier 1 risk-based capital ratio | 30.2276% | 510 |
| Total risk-based capital ratio | 31.3343% | 503 |
| Memoranda: | ||
| Average total assets | $55,429,000 | 6,513 |
| Average earning assets | $52,392,600 | 6,440 |
| Average equity | $9,304,400 | 5,509 |
| Average total loans | $21,685,600 | 7,105 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 6,805 |
| Cost of funding earning assets | 0.9725% | 7,444 |
| Net interest margin | 3.9632% | 2,978 |
| Noninterest income to average assets | 0.5147% | 4,369 |
| Noninterest expense to average assets | 2.6334% | 5,586 |
| Loan and lease loss provision to assets | 0.0120% | 7,214 |
| Net operating income to assets | 1.2289% | 1,398 |
| Return on assets (ROA) | 1.2361% | 1,450 |
| Pretax return on assets | 1.6522% | 1,063 |
| Return on Equity (ROE) | 7.3748% | 2,919 |
| Retained earnings to average equity (ytd only) | 7.3748% | 1,364 |
| Net charge-offs to loans | 0.2481% | 4,500 |
| Credit loss provision to net charge-offs | 12.5000% | 6,608 |
| Earnings coverage of net charge-offs (x) | 17.2006% | 1,418 |
| Efficiency ratio | 61.4133% | 6,211 |
| Assets per employee ($millions) | 3.5491% | 4,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8929% | 2,056 |
| Loan loss allowance to noncurrent loans | 158.6614% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 6,274 |
| Noncurrent loans to loans | 1.1930% | 4,954 |
| Net loans and leases to total assets | 39.2347% | 7,491 |
| Net loans and leases to deposits | 48.4853% | 7,475 |
| Net loans and leases to core deposits | 56.8803% | 7,515 |
| Total domestic deposits to total assets | 80.9208% | 5,109 |
| Equity capital to assets | 18.1475% | 504 |
| Core capital (leverage) ratio | 17.4693% | 504 |
| Tier 1 risk-based capital ratio | 33.8021% | 408 |
| Total risk-based capital ratio | 35.0536% | 402 |
| Memoranda: | ||
| Average total assets | $55,440,000 | 6,563 |
| Average earning assets | $52,783,750 | 6,464 |
| Average equity | $9,292,750 | 5,559 |
| Average total loans | $21,495,250 | 7,176 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8583% | 7,120 |
| Cost of funding earning assets | 1.0315% | 7,490 |
| Net interest margin | 3.8268% | 3,428 |
| Noninterest income to average assets | 0.4664% | 4,738 |
| Noninterest expense to average assets | 2.4495% | 6,298 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2320% | 1,399 |
| Return on assets (ROA) | 1.2426% | 1,455 |
| Pretax return on assets | 1.6769% | 1,056 |
| Return on Equity (ROE) | 7.6118% | 2,919 |
| Retained earnings to average equity (ytd only) | 7.6118% | 1,350 |
| Net charge-offs to loans | 0.3246% | 3,557 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 13.3429% | 1,749 |
| Efficiency ratio | 59.5671% | 6,612 |
| Assets per employee ($millions) | 3.2072% | 5,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8434% | 1,933 |
| Loan loss allowance to noncurrent loans | 153.8168% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.4805% | 6,237 |
| Noncurrent loans to loans | 1.1984% | 4,819 |
| Net loans and leases to total assets | 39.3577% | 7,577 |
| Net loans and leases to deposits | 47.8696% | 7,570 |
| Net loans and leases to core deposits | 56.0551% | 7,586 |
| Total domestic deposits to total assets | 82.2185% | 4,599 |
| Equity capital to assets | 17.0350% | 659 |
| Core capital (leverage) ratio | 16.5984% | 665 |
| Tier 1 risk-based capital ratio | 32.0837% | 495 |
| Total risk-based capital ratio | 33.3345% | 487 |
| Memoranda: | ||
| Average total assets | $56,174,670 | 6,585 |
| Average earning assets | $53,516,670 | 6,493 |
| Average equity | $9,170,000 | 5,622 |
| Average total loans | $21,563,670 | 7,237 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8812% | 7,213 |
| Cost of funding earning assets | 1.0970% | 7,530 |
| Net interest margin | 3.7842% | 3,517 |
| Noninterest income to average assets | 0.4491% | 4,780 |
| Noninterest expense to average assets | 2.3088% | 6,512 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2772% | 1,441 |
| Return on assets (ROA) | 1.2772% | 1,541 |
| Pretax return on assets | 1.7474% | 1,085 |
| Return on Equity (ROE) | 7.9903% | 3,161 |
| Retained earnings to average equity (ytd only) | 7.9903% | 1,820 |
| Net charge-offs to loans | -0.2241% | 8,025 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9204% | 6,846 |
| Assets per employee ($millions) | 3.3212% | 5,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1226% | 1,189 |
| Loan loss allowance to noncurrent loans | 200.8929% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 6,310 |
| Noncurrent loans to loans | 1.0566% | 4,875 |
| Net loans and leases to total assets | 36.7517% | 7,704 |
| Net loans and leases to deposits | 44.3035% | 7,715 |
| Net loans and leases to core deposits | 52.6543% | 7,713 |
| Total domestic deposits to total assets | 82.9543% | 4,170 |
| Equity capital to assets | 16.2965% | 824 |
| Core capital (leverage) ratio | 15.9703% | 788 |
| Tier 1 risk-based capital ratio | 32.1193% | 526 |
| Total risk-based capital ratio | 33.3735% | 511 |
| Memoranda: | ||
| Average total assets | $57,000,500 | 6,582 |
| Average earning assets | $54,331,000 | 6,484 |
| Average equity | $9,111,000 | 5,660 |
| Average total loans | $21,414,500 | 7,283 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8006% | 6,429 |
| Cost of funding earning assets | 1.6517% | 7,351 |
| Net interest margin | 4.1489% | 2,509 |
| Noninterest income to average assets | 0.5312% | 4,388 |
| Noninterest expense to average assets | 2.7218% | 5,167 |
| Loan and lease loss provision to assets | 0.3458% | 3,630 |
| Net operating income to assets | 1.0213% | 2,468 |
| Return on assets (ROA) | 1.0213% | 2,354 |
| Pretax return on assets | 1.4170% | 1,920 |
| Return on Equity (ROE) | 6.4131% | 3,789 |
| Retained earnings to average equity (ytd only) | 2.9435% | 3,341 |
| Net charge-offs to loans | 0.3351% | 3,161 |
| Credit loss provision to net charge-offs | 273.2394% | 1,681 |
| Earnings coverage of net charge-offs (x) | 13.9296% | 2,092 |
| Efficiency ratio | 60.6916% | 6,222 |
| Assets per employee ($millions) | 3.3848% | 4,978 |
| Cash dividends to net income (ytd only)* | 54.1012% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0251% | 1,175 |
| Loan loss allowance to noncurrent loans | 178.7755% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 5,939 |
| Noncurrent loans to loans | 1.1327% | 4,280 |
| Net loans and leases to total assets | 36.8277% | 7,803 |
| Net loans and leases to deposits | 44.0159% | 7,847 |
| Net loans and leases to core deposits | 49.9552% | 7,887 |
| Total domestic deposits to total assets | 83.6690% | 3,493 |
| Equity capital to assets | 15.6775% | 1,004 |
| Core capital (leverage) ratio | 15.5880% | 909 |
| Tier 1 risk-based capital ratio | 30.8764% | 599 |
| Total risk-based capital ratio | 32.1309% | 589 |
| Memoranda: | ||
| Average total assets | $56,102,600 | 6,522 |
| Average earning assets | $53,459,800 | 6,439 |
| Average equity | $8,934,800 | 5,759 |
| Average total loans | $21,190,600 | 7,250 |