Home > Bank of Louisiana > Performance and Condition Ratios
Bank of Louisiana, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 2,335 |
| Cost of funding earning assets | 0.5011% | 1,039 |
| Net interest margin | 3.1779% | 2,801 |
| Noninterest income to average assets | 0.5676% | 2,344 |
| Noninterest expense to average assets | 3.2202% | 687 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2711% | 4,556 |
| Return on assets (ROA) | 0.2850% | 4,562 |
| Pretax return on assets | 0.2850% | 4,602 |
| Return on Equity (ROE) | 2.5376% | 4,522 |
| Retained earnings to average equity (ytd only) | 2.5376% | 4,043 |
| Net charge-offs to loans | -0.0757% | 4,513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2362% | 267 |
| Assets per employee ($millions) | 4.3878% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7802% | 970 |
| Loan loss allowance to noncurrent loans | 3,117.6471% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 2,202 |
| Noncurrent loans to loans | 0.0571% | 3,817 |
| Net loans and leases to total assets | 51.2640% | 3,274 |
| Net loans and leases to deposits | 58.3393% | 3,381 |
| Net loans and leases to core deposits | 61.2719% | 3,384 |
| Total domestic deposits to total assets | 87.8721% | 1,919 |
| Equity capital to assets | 11.2321% | 1,870 |
| Core capital (leverage) ratio | 10.3888% | 2,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6396% | 1,208 |
| Memoranda: | ||
| Average total assets | $57,551,250 | 4,540 |
| Average earning assets | $52,947,750 | 4,536 |
| Average equity | $6,462,750 | 4,546 |
| Average total loans | $31,690,500 | 4,407 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 2,252 |
| Cost of funding earning assets | 0.5078% | 1,154 |
| Net interest margin | 3.2234% | 2,687 |
| Noninterest income to average assets | 0.5579% | 2,380 |
| Noninterest expense to average assets | 3.2813% | 633 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2460% | 4,584 |
| Return on assets (ROA) | 0.2460% | 4,601 |
| Pretax return on assets | 0.2460% | 4,639 |
| Return on Equity (ROE) | 2.1909% | 4,577 |
| Retained earnings to average equity (ytd only) | 2.1909% | 4,068 |
| Net charge-offs to loans | -0.0742% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0255% | 272 |
| Assets per employee ($millions) | 4.4701% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7071% | 1,040 |
| Loan loss allowance to noncurrent loans | 2,757.8947% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.3115% | 2,362 |
| Noncurrent loans to loans | 0.0619% | 3,875 |
| Net loans and leases to total assets | 51.9213% | 3,351 |
| Net loans and leases to deposits | 58.9562% | 3,464 |
| Net loans and leases to core deposits | 61.8443% | 3,473 |
| Total domestic deposits to total assets | 88.0677% | 1,785 |
| Equity capital to assets | 11.1752% | 1,849 |
| Core capital (leverage) ratio | 9.9642% | 2,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8502% | 1,374 |
| Memoranda: | ||
| Average total assets | $57,721,000 | 4,565 |
| Average earning assets | $53,173,333 | 4,559 |
| Average equity | $6,481,333 | 4,571 |
| Average total loans | $32,330,000 | 4,423 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8930% | 1,844 |
| Cost of funding earning assets | 0.5257% | 1,235 |
| Net interest margin | 3.3674% | 2,195 |
| Noninterest income to average assets | 0.5771% | 2,300 |
| Noninterest expense to average assets | 3.3863% | 533 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2642% | 4,571 |
| Return on assets (ROA) | 0.2642% | 4,595 |
| Pretax return on assets | 0.2642% | 4,633 |
| Return on Equity (ROE) | 2.3475% | 4,566 |
| Retained earnings to average equity (ytd only) | 2.3475% | 3,939 |
| Net charge-offs to loans | -0.0724% | 4,528 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7619% | 308 |
| Assets per employee ($millions) | 4.7309% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6212% | 1,237 |
| Loan loss allowance to noncurrent loans | 2,590.0000% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 1,425 |
| Noncurrent loans to loans | 0.0626% | 3,973 |
| Net loans and leases to total assets | 51.1105% | 3,530 |
| Net loans and leases to deposits | 57.4158% | 3,682 |
| Net loans and leases to core deposits | 59.4429% | 3,742 |
| Total domestic deposits to total assets | 89.0182% | 1,334 |
| Equity capital to assets | 10.4062% | 2,356 |
| Core capital (leverage) ratio | 10.3990% | 2,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1656% | 1,520 |
| Memoranda: | ||
| Average total assets | $57,526,000 | 4,589 |
| Average earning assets | $52,504,000 | 4,585 |
| Average equity | $6,475,000 | 4,588 |
| Average total loans | $33,147,000 | 4,430 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3196% | 1,808 |
| Cost of funding earning assets | 0.7755% | 1,320 |
| Net interest margin | 3.5442% | 2,329 |
| Noninterest income to average assets | 0.6588% | 1,989 |
| Noninterest expense to average assets | 3.3067% | 898 |
| Loan and lease loss provision to assets | 0.1135% | 2,929 |
| Net operating income to assets | 0.4502% | 4,141 |
| Return on assets (ROA) | 0.4502% | 4,221 |
| Pretax return on assets | 0.4502% | 4,354 |
| Return on Equity (ROE) | 3.9635% | 4,166 |
| Retained earnings to average equity (ytd only) | 3.9635% | 2,845 |
| Net charge-offs to loans | -0.0870% | 4,781 |
| Credit loss provision to net charge-offs | -206.6667% | 3,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4374% | 549 |
| Assets per employee ($millions) | 4.1192% | 4,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4909% | 1,616 |
| Loan loss allowance to noncurrent loans | 125.1834% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.7638% | 1,344 |
| Noncurrent loans to loans | 1.1910% | 1,187 |
| Net loans and leases to total assets | 63.1746% | 2,467 |
| Net loans and leases to deposits | 72.3791% | 2,646 |
| Net loans and leases to core deposits | 75.7908% | 2,748 |
| Total domestic deposits to total assets | 87.2829% | 1,803 |
| Equity capital to assets | 12.2316% | 1,461 |
| Core capital (leverage) ratio | 10.7899% | 1,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8551% | 1,297 |
| Memoranda: | ||
| Average total assets | $54,647,200 | 4,593 |
| Average earning assets | $49,518,200 | 4,590 |
| Average equity | $6,206,600 | 4,619 |
| Average total loans | $34,479,600 | 4,420 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3767% | 1,905 |
| Cost of funding earning assets | 0.8094% | 1,451 |
| Net interest margin | 3.5673% | 2,368 |
| Noninterest income to average assets | 0.6360% | 2,043 |
| Noninterest expense to average assets | 3.5614% | 645 |
| Loan and lease loss provision to assets | 0.1511% | 2,508 |
| Net operating income to assets | 0.1554% | 4,647 |
| Return on assets (ROA) | 0.1554% | 4,681 |
| Pretax return on assets | 0.1554% | 4,691 |
| Return on Equity (ROE) | 1.3941% | 4,640 |
| Retained earnings to average equity (ytd only) | 1.3941% | 4,118 |
| Net charge-offs to loans | -0.0927% | 4,811 |
| Credit loss provision to net charge-offs | -258.3333% | 3,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0904% | 312 |
| Assets per employee ($millions) | 3.7311% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5608% | 1,203 |
| Loan loss allowance to noncurrent loans | 64.8718% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.3937% | 649 |
| Noncurrent loans to loans | 2.4060% | 453 |
| Net loans and leases to total assets | 57.0211% | 3,521 |
| Net loans and leases to deposits | 64.9853% | 3,704 |
| Net loans and leases to core deposits | 67.5236% | 3,787 |
| Total domestic deposits to total assets | 87.7446% | 1,324 |
| Equity capital to assets | 11.4603% | 2,038 |
| Core capital (leverage) ratio | 10.0233% | 2,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9016% | 1,275 |
| Memoranda: | ||
| Average total assets | $54,921,500 | 4,610 |
| Average earning assets | $49,747,000 | 4,612 |
| Average equity | $6,120,750 | 4,654 |
| Average total loans | $34,514,000 | 4,450 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5080% | 1,890 |
| Cost of funding earning assets | 0.8138% | 1,762 |
| Net interest margin | 3.6941% | 2,182 |
| Noninterest income to average assets | 0.5937% | 2,151 |
| Noninterest expense to average assets | 3.7235% | 556 |
| Loan and lease loss provision to assets | 0.2272% | 1,845 |
| Net operating income to assets | 0.0366% | 4,744 |
| Return on assets (ROA) | 0.0366% | 4,771 |
| Pretax return on assets | 0.0366% | 4,767 |
| Return on Equity (ROE) | 0.3321% | 4,763 |
| Retained earnings to average equity (ytd only) | 0.3321% | 4,238 |
| Net charge-offs to loans | -0.0682% | 4,760 |
| Credit loss provision to net charge-offs | -516.6667% | 3,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3824% | 310 |
| Assets per employee ($millions) | 3.6271% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 1,598 |
| Loan loss allowance to noncurrent loans | 18.0160% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 4.7249% | 60 |
| Noncurrent loans to loans | 7.7488% | 47 |
| Net loans and leases to total assets | 60.1244% | 3,309 |
| Net loans and leases to deposits | 67.9666% | 3,566 |
| Net loans and leases to core deposits | 72.2237% | 3,580 |
| Total domestic deposits to total assets | 88.4617% | 960 |
| Equity capital to assets | 10.8645% | 2,451 |
| Core capital (leverage) ratio | 9.6940% | 3,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8568% | 1,531 |
| Memoranda: | ||
| Average total assets | $54,573,000 | 4,623 |
| Average earning assets | $50,133,333 | 4,620 |
| Average equity | $6,023,000 | 4,688 |
| Average total loans | $35,212,333 | 4,449 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4669% | 2,402 |
| Cost of funding earning assets | 0.8339% | 2,201 |
| Net interest margin | 3.6330% | 2,560 |
| Noninterest income to average assets | 0.6737% | 1,758 |
| Noninterest expense to average assets | 3.8529% | 582 |
| Loan and lease loss provision to assets | 0.3785% | 811 |
| Net operating income to assets | -0.2271% | 4,865 |
| Return on assets (ROA) | -0.2271% | 4,839 |
| Pretax return on assets | -0.2271% | 4,825 |
| Return on Equity (ROE) | -2.0401% | 4,840 |
| Retained earnings to average equity (ytd only) | -2.0401% | 4,259 |
| Net charge-offs to loans | -0.0683% | 4,725 |
| Credit loss provision to net charge-offs | -833.3333% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2193% | 322 |
| Assets per employee ($millions) | 3.5981% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 1,894 |
| Loan loss allowance to noncurrent loans | 17.3406% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 5.0860% | 65 |
| Noncurrent loans to loans | 7.8056% | 46 |
| Net loans and leases to total assets | 64.2759% | 3,037 |
| Net loans and leases to deposits | 72.2007% | 3,418 |
| Net loans and leases to core deposits | 76.6093% | 3,459 |
| Total domestic deposits to total assets | 89.0239% | 651 |
| Equity capital to assets | 10.5240% | 3,299 |
| Core capital (leverage) ratio | 10.5050% | 2,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2527% | 1,824 |
| Memoranda: | ||
| Average total assets | $52,843,000 | 4,670 |
| Average earning assets | $48,445,000 | 4,669 |
| Average equity | $5,882,000 | 4,737 |
| Average total loans | $35,125,500 | 4,472 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9649% | 1,570 |
| Cost of funding earning assets | 0.8759% | 2,304 |
| Net interest margin | 4.0890% | 1,572 |
| Noninterest income to average assets | 0.6398% | 2,046 |
| Noninterest expense to average assets | 3.4810% | 989 |
| Loan and lease loss provision to assets | 0.9370% | 103 |
| Net operating income to assets | -0.0757% | 4,998 |
| Return on assets (ROA) | -0.0757% | 5,007 |
| Pretax return on assets | -0.0757% | 4,998 |
| Return on Equity (ROE) | -0.6964% | 5,010 |
| Retained earnings to average equity (ytd only) | -1.5669% | 4,851 |
| Net charge-offs to loans | 1.7884% | 71 |
| Credit loss provision to net charge-offs | 81.2808% | 2,778 |
| Earnings coverage of net charge-offs (x) | 0.7471% | 3,593 |
| Efficiency ratio | 80.1656% | 930 |
| Assets per employee ($millions) | 3.2321% | 4,681 |
| Cash dividends to net income (ytd only)* | -125.0000% | 5,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 2,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 67.0302% | 2,823 |
| Net loans and leases to deposits | 76.2466% | 3,154 |
| Net loans and leases to core deposits | 78.9793% | 3,378 |
| Total domestic deposits to total assets | 87.9124% | 1,167 |
| Equity capital to assets | 11.7647% | 2,309 |
| Core capital (leverage) ratio | 10.7055% | 2,756 |
| Tier 1 risk-based capital ratio | 14.3056% | 3,117 |
| Total risk-based capital ratio | 15.3515% | 3,127 |
| Memoranda: | ||
| Average total assets | $52,830,200 | 4,705 |
| Average earning assets | $47,836,000 | 4,715 |
| Average equity | $5,743,800 | 4,791 |
| Average total loans | $34,053,200 | 4,555 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8560% | 1,950 |
| Cost of funding earning assets | 0.8999% | 2,236 |
| Net interest margin | 3.9562% | 2,085 |
| Noninterest income to average assets | 0.6326% | 2,058 |
| Noninterest expense to average assets | 3.6753% | 772 |
| Loan and lease loss provision to assets | 1.2427% | 70 |
| Net operating income to assets | -0.7205% | 5,156 |
| Return on assets (ROA) | -0.7205% | 5,161 |
| Pretax return on assets | -0.7205% | 5,156 |
| Return on Equity (ROE) | -6.7623% | 5,176 |
| Retained earnings to average equity (ytd only) | -7.9403% | 5,125 |
| Net charge-offs to loans | 2.4263% | 44 |
| Credit loss provision to net charge-offs | 80.4878% | 2,499 |
| Earnings coverage of net charge-offs (x) | 0.3382% | 3,365 |
| Efficiency ratio | 87.5598% | 422 |
| Assets per employee ($millions) | 3.3623% | 4,619 |
| Cash dividends to net income (ytd only)* | -17.4228% | 5,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 2,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 60.4859% | 3,634 |
| Net loans and leases to deposits | 68.4239% | 3,894 |
| Net loans and leases to core deposits | 70.7539% | 4,016 |
| Total domestic deposits to total assets | 88.3988% | 873 |
| Equity capital to assets | 10.8949% | 3,201 |
| Core capital (leverage) ratio | 10.2249% | 3,392 |
| Tier 1 risk-based capital ratio | 14.4898% | 3,078 |
| Total risk-based capital ratio | 15.5811% | 3,070 |
| Memoranda: | ||
| Average total assets | $53,109,250 | 4,771 |
| Average earning assets | $47,856,750 | 4,778 |
| Average equity | $5,658,750 | 4,865 |
| Average total loans | $33,795,500 | 4,622 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7583% | 2,194 |
| Cost of funding earning assets | 0.8864% | 2,213 |
| Net interest margin | 3.8719% | 2,338 |
| Noninterest income to average assets | 0.6051% | 2,125 |
| Noninterest expense to average assets | 3.7178% | 736 |
| Loan and lease loss provision to assets | 1.7889% | 44 |
| Net operating income to assets | -1.3994% | 5,245 |
| Return on assets (ROA) | -1.3994% | 5,246 |
| Pretax return on assets | -1.3994% | 5,242 |
| Return on Equity (ROE) | -13.2348% | 5,257 |
| Retained earnings to average equity (ytd only) | -15.0233% | 5,217 |
| Net charge-offs to loans | 3.5861% | 29 |
| Credit loss provision to net charge-offs | 77.4141% | 2,253 |
| Earnings coverage of net charge-offs (x) | 0.1686% | 3,101 |
| Efficiency ratio | 90.5157% | 335 |
| Assets per employee ($millions) | 3.3606% | 4,654 |
| Cash dividends to net income (ytd only)* | -13.5135% | 5,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 2,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 62.4568% | 3,497 |
| Net loans and leases to deposits | 70.2779% | 3,819 |
| Net loans and leases to core deposits | 72.6496% | 3,966 |
| Total domestic deposits to total assets | 88.8711% | 719 |
| Equity capital to assets | 10.6044% | 3,434 |
| Core capital (leverage) ratio | 10.0430% | 3,541 |
| Tier 1 risk-based capital ratio | 13.7227% | 3,473 |
| Total risk-based capital ratio | 14.7264% | 3,494 |
| Memoranda: | ||
| Average total assets | $52,880,330 | 4,804 |
| Average earning assets | $47,832,330 | 4,813 |
| Average equity | $5,591,330 | 4,903 |
| Average total loans | $34,076,330 | 4,652 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7211% | 2,156 |
| Cost of funding earning assets | 0.8683% | 2,167 |
| Net interest margin | 3.8527% | 2,335 |
| Noninterest income to average assets | 0.6026% | 2,029 |
| Noninterest expense to average assets | 3.7150% | 740 |
| Loan and lease loss provision to assets | 3.5320% | 18 |
| Net operating income to assets | -3.1582% | 5,333 |
| Return on assets (ROA) | -3.1582% | 5,332 |
| Pretax return on assets | -3.1582% | 5,331 |
| Return on Equity (ROE) | -29.9133% | 5,343 |
| Retained earnings to average equity (ytd only) | -33.5260% | 5,315 |
| Net charge-offs to loans | -0.0117% | 4,286 |
| Credit loss provision to net charge-offs | -46,300.0000% | 4,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8582% | 360 |
| Assets per employee ($millions) | 3.3360% | 4,709 |
| Cash dividends to net income (ytd only)* | -12.0773% | 5,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9559% | 139 |
| Loan loss allowance to noncurrent loans | 62.4922% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 2.9920% | 209 |
| Noncurrent loans to loans | 4.7300% | 128 |
| Net loans and leases to total assets | 61.3853% | 3,561 |
| Net loans and leases to deposits | 68.6552% | 3,871 |
| Net loans and leases to core deposits | 70.9645% | 4,010 |
| Total domestic deposits to total assets | 89.4110% | 689 |
| Equity capital to assets | 10.2125% | 3,607 |
| Core capital (leverage) ratio | 10.0686% | 3,527 |
| Tier 1 risk-based capital ratio | 13.6493% | 3,521 |
| Total risk-based capital ratio | 14.9149% | 3,423 |
| Memoranda: | ||
| Average total assets | $52,435,500 | 4,865 |
| Average earning assets | $47,447,000 | 4,868 |
| Average equity | $5,536,000 | 4,956 |
| Average total loans | $34,125,000 | 4,700 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5555% | 2,275 |
| Cost of funding earning assets | 0.5232% | 3,212 |
| Net interest margin | 4.0323% | 1,881 |
| Noninterest income to average assets | 0.6364% | 2,121 |
| Noninterest expense to average assets | 3.5077% | 988 |
| Loan and lease loss provision to assets | -0.2173% | 5,340 |
| Net operating income to assets | 1.0244% | 2,910 |
| Return on assets (ROA) | 1.0244% | 2,897 |
| Pretax return on assets | 1.0244% | 3,530 |
| Return on Equity (ROE) | 9.3056% | 2,835 |
| Retained earnings to average equity (ytd only) | 1.3747% | 4,583 |
| Net charge-offs to loans | 0.0922% | 1,850 |
| Credit loss provision to net charge-offs | -361.2903% | 4,576 |
| Earnings coverage of net charge-offs (x) | 13.4194% | 2,459 |
| Efficiency ratio | 81.2950% | 860 |
| Assets per employee ($millions) | 3.2184% | 4,813 |
| Cash dividends to net income (ytd only)* | 85.2273% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 1,146 |
| Loan loss allowance to noncurrent loans | 33.7327% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 3.0799% | 198 |
| Noncurrent loans to loans | 4.5988% | 131 |
| Net loans and leases to total assets | 65.9326% | 3,142 |
| Net loans and leases to deposits | 76.5202% | 3,314 |
| Net loans and leases to core deposits | 80.4588% | 3,394 |
| Total domestic deposits to total assets | 86.1637% | 2,151 |
| Equity capital to assets | 10.9156% | 2,777 |
| Core capital (leverage) ratio | 11.1107% | 2,430 |
| Tier 1 risk-based capital ratio | 14.9169% | 2,864 |
| Total risk-based capital ratio | 16.1723% | 2,793 |
| Memoranda: | ||
| Average total assets | $51,543,800 | 4,906 |
| Average earning assets | $47,020,400 | 4,915 |
| Average equity | $5,674,000 | 4,945 |
| Average total loans | $33,638,000 | 4,730 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5415% | 2,154 |
| Cost of funding earning assets | 0.4405% | 3,596 |
| Net interest margin | 4.1010% | 1,627 |
| Noninterest income to average assets | 0.6284% | 2,173 |
| Noninterest expense to average assets | 3.7369% | 725 |
| Loan and lease loss provision to assets | -0.3879% | 5,445 |
| Net operating income to assets | 1.0112% | 3,038 |
| Return on assets (ROA) | 1.0112% | 3,047 |
| Pretax return on assets | 1.0112% | 3,686 |
| Return on Equity (ROE) | 9.1665% | 3,015 |
| Retained earnings to average equity (ytd only) | 0.3750% | 4,974 |
| Net charge-offs to loans | 0.0838% | 1,682 |
| Credit loss provision to net charge-offs | -714.2857% | 4,566 |
| Earnings coverage of net charge-offs (x) | 11.4761% | 2,512 |
| Efficiency ratio | 85.7058% | 535 |
| Assets per employee ($millions) | 3.2136% | 4,875 |
| Cash dividends to net income (ytd only)* | 95.9085% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 1,400 |
| Loan loss allowance to noncurrent loans | 2,414.2857% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 4,773 |
| Noncurrent loans to loans | 0.0615% | 4,613 |
| Net loans and leases to total assets | 65.4421% | 3,251 |
| Net loans and leases to deposits | 79.1034% | 3,131 |
| Net loans and leases to core deposits | 82.8324% | 3,265 |
| Total domestic deposits to total assets | 82.7298% | 3,394 |
| Equity capital to assets | 10.8522% | 2,797 |
| Core capital (leverage) ratio | 11.3718% | 2,272 |
| Tier 1 risk-based capital ratio | 15.1155% | 2,835 |
| Total risk-based capital ratio | 16.3673% | 2,756 |
| Memoranda: | ||
| Average total assets | $51,556,000 | 4,961 |
| Average earning assets | $46,914,500 | 4,967 |
| Average equity | $5,687,250 | 5,002 |
| Average total loans | $33,425,750 | 4,784 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 2,084 |
| Cost of funding earning assets | 0.4003% | 3,715 |
| Net interest margin | 4.1007% | 1,559 |
| Noninterest income to average assets | 0.6473% | 2,106 |
| Noninterest expense to average assets | 3.7169% | 738 |
| Loan and lease loss provision to assets | -0.5814% | 5,519 |
| Net operating income to assets | 1.2441% | 2,006 |
| Return on assets (ROA) | 1.2441% | 2,005 |
| Pretax return on assets | 1.2441% | 2,745 |
| Return on Equity (ROE) | 11.2179% | 2,031 |
| Retained earnings to average equity (ytd only) | 0.7339% | 4,815 |
| Net charge-offs to loans | 0.1266% | 1,170 |
| Credit loss provision to net charge-offs | -714.2857% | 4,432 |
| Earnings coverage of net charge-offs (x) | 8.1429% | 2,498 |
| Efficiency ratio | 84.8673% | 636 |
| Assets per employee ($millions) | 3.0977% | 5,022 |
| Cash dividends to net income (ytd only)* | 93.4579% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 1,185 |
| Loan loss allowance to noncurrent loans | 50,600.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,057 |
| Noncurrent loans to loans | 0.0031% | 4,960 |
| Net loans and leases to total assets | 64.1244% | 3,384 |
| Net loans and leases to deposits | 72.8243% | 3,649 |
| Net loans and leases to core deposits | 76.1556% | 3,733 |
| Total domestic deposits to total assets | 88.0536% | 1,348 |
| Equity capital to assets | 11.4924% | 2,203 |
| Core capital (leverage) ratio | 11.0670% | 2,467 |
| Tier 1 risk-based capital ratio | 14.8189% | 2,964 |
| Total risk-based capital ratio | 16.0707% | 2,887 |
| Memoranda: | ||
| Average total assets | $51,602,000 | 5,020 |
| Average earning assets | $46,968,000 | 5,022 |
| Average equity | $5,723,000 | 5,045 |
| Average total loans | $33,182,330 | 4,833 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2860% | 2,578 |
| Cost of funding earning assets | 0.3934% | 3,638 |
| Net interest margin | 3.8926% | 2,073 |
| Noninterest income to average assets | 0.6309% | 2,123 |
| Noninterest expense to average assets | 3.5727% | 897 |
| Loan and lease loss provision to assets | -1.1402% | 5,600 |
| Net operating income to assets | 1.7331% | 637 |
| Return on assets (ROA) | 1.7331% | 647 |
| Pretax return on assets | 1.7331% | 1,034 |
| Return on Equity (ROE) | 15.8982% | 637 |
| Retained earnings to average equity (ytd only) | 0.2092% | 4,773 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7664% | 665 |
| Assets per employee ($millions) | 3.2851% | 4,914 |
| Cash dividends to net income (ytd only)* | 98.6842% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5884% | 1,185 |
| Loan loss allowance to noncurrent loans | 2,395.4545% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 4,903 |
| Noncurrent loans to loans | 0.0663% | 4,678 |
| Net loans and leases to total assets | 62.1209% | 3,534 |
| Net loans and leases to deposits | 69.8962% | 3,794 |
| Net loans and leases to core deposits | 72.0111% | 3,960 |
| Total domestic deposits to total assets | 88.8760% | 1,161 |
| Equity capital to assets | 10.8329% | 2,739 |
| Core capital (leverage) ratio | 10.9165% | 2,527 |
| Tier 1 risk-based capital ratio | 14.9297% | 2,895 |
| Total risk-based capital ratio | 16.1819% | 2,829 |
| Memoranda: | ||
| Average total assets | $52,621,500 | 5,064 |
| Average earning assets | $47,783,500 | 5,065 |
| Average equity | $5,736,500 | 5,096 |
| Average total loans | $33,629,500 | 4,875 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2351% | 414 |
| Cost of funding earning assets | 0.4137% | 3,117 |
| Net interest margin | 4.8214% | 338 |
| Noninterest income to average assets | 0.5970% | 2,464 |
| Noninterest expense to average assets | 3.4631% | 1,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4769% | 853 |
| Return on assets (ROA) | 1.4769% | 870 |
| Pretax return on assets | 1.4769% | 1,731 |
| Return on Equity (ROE) | 13.4501% | 857 |
| Retained earnings to average equity (ytd only) | 3.3581% | 3,283 |
| Net charge-offs to loans | 0.0092% | 3,768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 252.3333% | 332 |
| Efficiency ratio | 70.1027% | 2,530 |
| Assets per employee ($millions) | 3.2926% | 4,943 |
| Cash dividends to net income (ytd only)* | 75.0330% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9865% | 552 |
| Loan loss allowance to noncurrent loans | 2,943.4783% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 4,918 |
| Noncurrent loans to loans | 0.0675% | 4,693 |
| Net loans and leases to total assets | 63.4062% | 3,435 |
| Net loans and leases to deposits | 75.3440% | 3,406 |
| Net loans and leases to core deposits | 77.7411% | 3,611 |
| Total domestic deposits to total assets | 84.1556% | 3,145 |
| Equity capital to assets | 10.9698% | 2,653 |
| Core capital (leverage) ratio | 10.9582% | 2,381 |
| Tier 1 risk-based capital ratio | 14.5578% | 3,063 |
| Total risk-based capital ratio | 15.8122% | 2,984 |
| Memoranda: | ||
| Average total assets | $51,255,000 | 5,135 |
| Average earning assets | $46,168,800 | 5,147 |
| Average equity | $5,628,200 | 5,158 |
| Average total loans | $32,777,800 | 4,930 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4990% | 1,645 |
| Cost of funding earning assets | 0.4201% | 2,984 |
| Net interest margin | 4.0788% | 1,451 |
| Noninterest income to average assets | 0.5868% | 2,556 |
| Noninterest expense to average assets | 3.5495% | 922 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6994% | 3,986 |
| Return on assets (ROA) | 0.6994% | 4,045 |
| Pretax return on assets | 0.6994% | 4,611 |
| Return on Equity (ROE) | 6.3678% | 3,958 |
| Retained earnings to average equity (ytd only) | 1.0017% | 4,973 |
| Net charge-offs to loans | -0.0041% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5388% | 790 |
| Assets per employee ($millions) | 3.5075% | 4,725 |
| Cash dividends to net income (ytd only)* | 84.2692% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0212% | 551 |
| Loan loss allowance to noncurrent loans | 72.3698% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.7885% | 779 |
| Noncurrent loans to loans | 2.7929% | 492 |
| Net loans and leases to total assets | 62.7449% | 3,575 |
| Net loans and leases to deposits | 70.7865% | 3,894 |
| Net loans and leases to core deposits | 73.3877% | 4,031 |
| Total domestic deposits to total assets | 88.6397% | 1,048 |
| Equity capital to assets | 10.8984% | 2,957 |
| Core capital (leverage) ratio | 10.6755% | 2,794 |
| Tier 1 risk-based capital ratio | 14.2126% | 3,344 |
| Total risk-based capital ratio | 15.4694% | 3,245 |
| Memoranda: | ||
| Average total assets | $50,898,500 | 5,193 |
| Average earning assets | $45,698,250 | 5,212 |
| Average equity | $5,590,500 | 5,226 |
| Average total loans | $32,452,250 | 4,995 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4471% | 1,675 |
| Cost of funding earning assets | 0.4318% | 2,788 |
| Net interest margin | 4.0153% | 1,556 |
| Noninterest income to average assets | 0.5802% | 2,557 |
| Noninterest expense to average assets | 3.5567% | 927 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6080% | 4,268 |
| Return on assets (ROA) | 0.6080% | 4,312 |
| Pretax return on assets | 0.6080% | 4,785 |
| Return on Equity (ROE) | 5.5208% | 4,260 |
| Retained earnings to average equity (ytd only) | 0.1083% | 5,049 |
| Net charge-offs to loans | -0.0062% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4008% | 737 |
| Assets per employee ($millions) | 3.3061% | 4,976 |
| Cash dividends to net income (ytd only)* | 98.0392% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1472% | 467 |
| Loan loss allowance to noncurrent loans | 72.3698% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.9277% | 681 |
| Noncurrent loans to loans | 2.9670% | 441 |
| Net loans and leases to total assets | 62.5807% | 3,561 |
| Net loans and leases to deposits | 70.7431% | 3,854 |
| Net loans and leases to core deposits | 73.5009% | 3,981 |
| Total domestic deposits to total assets | 88.4618% | 1,223 |
| Equity capital to assets | 11.1873% | 2,613 |
| Core capital (leverage) ratio | 10.7546% | 2,648 |
| Tier 1 risk-based capital ratio | 15.1765% | 2,853 |
| Total risk-based capital ratio | 16.4351% | 2,785 |
| Memoranda: | ||
| Average total assets | $50,327,000 | 5,241 |
| Average earning assets | $44,928,000 | 5,265 |
| Average equity | $5,542,670 | 5,267 |
| Average total loans | $32,038,670 | 5,041 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3854% | 1,692 |
| Cost of funding earning assets | 0.4509% | 2,519 |
| Net interest margin | 3.9344% | 1,657 |
| Noninterest income to average assets | 0.7338% | 1,810 |
| Noninterest expense to average assets | 3.5191% | 1,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7259% | 3,588 |
| Return on assets (ROA) | 0.7259% | 3,636 |
| Pretax return on assets | 0.7259% | 4,364 |
| Return on Equity (ROE) | 6.6426% | 3,584 |
| Retained earnings to average equity (ytd only) | 3.0325% | 3,898 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8996% | 1,076 |
| Assets per employee ($millions) | 3.6198% | 4,615 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1332% | 521 |
| Loan loss allowance to noncurrent loans | 72.2635% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.9535% | 683 |
| Noncurrent loans to loans | 2.9520% | 469 |
| Net loans and leases to total assets | 61.5605% | 3,594 |
| Net loans and leases to deposits | 69.2989% | 3,870 |
| Net loans and leases to core deposits | 72.3660% | 3,957 |
| Total domestic deposits to total assets | 88.8332% | 1,235 |
| Equity capital to assets | 10.9932% | 2,631 |
| Core capital (leverage) ratio | 10.5686% | 2,825 |
| Tier 1 risk-based capital ratio | 14.9468% | 2,991 |
| Total risk-based capital ratio | 16.2044% | 2,915 |
| Memoranda: | ||
| Average total assets | $50,694,500 | 5,298 |
| Average earning assets | $45,241,500 | 5,310 |
| Average equity | $5,540,000 | 5,316 |
| Average total loans | $32,200,000 | 5,085 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3580% | 1,961 |
| Cost of funding earning assets | 0.4362% | 2,642 |
| Net interest margin | 3.9217% | 1,891 |
| Noninterest income to average assets | 0.7634% | 1,909 |
| Noninterest expense to average assets | 3.5379% | 1,106 |
| Loan and lease loss provision to assets | -0.2731% | 5,830 |
| Net operating income to assets | 1.0644% | 2,068 |
| Return on assets (ROA) | 1.0684% | 2,150 |
| Pretax return on assets | 1.0684% | 3,226 |
| Return on Equity (ROE) | 9.5015% | 2,196 |
| Retained earnings to average equity (ytd only) | 1.7372% | 4,537 |
| Net charge-offs to loans | -0.0032% | 4,749 |
| Credit loss provision to net charge-offs | 13,700.0000% | 29 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7219% | 1,237 |
| Assets per employee ($millions) | 3.3808% | 4,935 |
| Cash dividends to net income (ytd only)* | 81.7164% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0908% | 557 |
| Loan loss allowance to noncurrent loans | 72.1868% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 2.1316% | 626 |
| Noncurrent loans to loans | 2.8964% | 481 |
| Net loans and leases to total assets | 62.7918% | 3,504 |
| Net loans and leases to deposits | 73.0897% | 3,607 |
| Net loans and leases to core deposits | 76.8802% | 3,674 |
| Total domestic deposits to total assets | 85.9106% | 2,627 |
| Equity capital to assets | 10.8633% | 2,749 |
| Core capital (leverage) ratio | 10.9890% | 2,349 |
| Tier 1 risk-based capital ratio | 14.5265% | 3,188 |
| Total risk-based capital ratio | 15.7840% | 3,116 |
| Memoranda: | ||
| Average total assets | $50,170,800 | 5,341 |
| Average earning assets | $45,617,600 | 5,342 |
| Average equity | $5,641,200 | 5,346 |
| Average total loans | $31,358,200 | 5,157 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 2,057 |
| Cost of funding earning assets | 0.4449% | 2,603 |
| Net interest margin | 3.8897% | 2,010 |
| Noninterest income to average assets | 0.7541% | 1,950 |
| Noninterest expense to average assets | 3.6293% | 951 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6662% | 4,015 |
| Return on assets (ROA) | 0.6688% | 4,127 |
| Pretax return on assets | 0.6688% | 4,691 |
| Return on Equity (ROE) | 5.8979% | 4,119 |
| Retained earnings to average equity (ytd only) | 0.6110% | 5,197 |
| Net charge-offs to loans | -0.0043% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4913% | 951 |
| Assets per employee ($millions) | 3.0473% | 5,349 |
| Cash dividends to net income (ytd only)* | 89.6402% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6019% | 294 |
| Loan loss allowance to noncurrent loans | 83.8809% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 2.2828% | 631 |
| Noncurrent loans to loans | 3.1019% | 472 |
| Net loans and leases to total assets | 62.7266% | 3,550 |
| Net loans and leases to deposits | 72.1978% | 3,789 |
| Net loans and leases to core deposits | 76.9965% | 3,754 |
| Total domestic deposits to total assets | 86.8816% | 1,942 |
| Equity capital to assets | 11.8447% | 2,224 |
| Core capital (leverage) ratio | 11.0209% | 2,431 |
| Tier 1 risk-based capital ratio | 14.9369% | 3,083 |
| Total risk-based capital ratio | 16.1982% | 3,003 |
| Memoranda: | ||
| Average total assets | $50,035,500 | 5,398 |
| Average earning assets | $45,555,000 | 5,397 |
| Average equity | $5,674,250 | 5,392 |
| Average total loans | $31,067,000 | 5,209 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 1,887 |
| Cost of funding earning assets | 0.4505% | 2,565 |
| Net interest margin | 3.9275% | 1,887 |
| Noninterest income to average assets | 0.7689% | 1,851 |
| Noninterest expense to average assets | 3.5869% | 1,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7412% | 3,597 |
| Return on assets (ROA) | 0.7451% | 3,729 |
| Pretax return on assets | 0.7451% | 4,475 |
| Return on Equity (ROE) | 6.6659% | 3,712 |
| Retained earnings to average equity (ytd only) | 1.3474% | 4,843 |
| Net charge-offs to loans | -0.0065% | 4,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8755% | 1,166 |
| Assets per employee ($millions) | 3.1092% | 5,319 |
| Cash dividends to net income (ytd only)* | 79.7872% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6486% | 297 |
| Loan loss allowance to noncurrent loans | 69.7694% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 2.4524% | 574 |
| Noncurrent loans to loans | 3.7962% | 332 |
| Net loans and leases to total assets | 60.3654% | 3,834 |
| Net loans and leases to deposits | 68.5679% | 4,129 |
| Net loans and leases to core deposits | 73.4913% | 4,033 |
| Total domestic deposits to total assets | 88.0375% | 1,420 |
| Equity capital to assets | 11.6650% | 2,391 |
| Core capital (leverage) ratio | 10.7500% | 2,697 |
| Tier 1 risk-based capital ratio | 15.3773% | 2,915 |
| Total risk-based capital ratio | 16.6392% | 2,838 |
| Memoranda: | ||
| Average total assets | $50,462,000 | 5,450 |
| Average earning assets | $45,728,330 | 5,453 |
| Average equity | $5,640,670 | 5,453 |
| Average total loans | $30,956,000 | 5,268 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3878% | 1,840 |
| Cost of funding earning assets | 0.4518% | 2,560 |
| Net interest margin | 3.9360% | 1,828 |
| Noninterest income to average assets | 0.7871% | 1,669 |
| Noninterest expense to average assets | 3.5341% | 1,127 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8186% | 3,157 |
| Return on assets (ROA) | 0.8186% | 3,283 |
| Pretax return on assets | 0.8186% | 4,140 |
| Return on Equity (ROE) | 7.4827% | 3,194 |
| Retained earnings to average equity (ytd only) | 2.0865% | 4,420 |
| Net charge-offs to loans | -0.0129% | 4,640 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1935% | 1,461 |
| Assets per employee ($millions) | 3.2388% | 5,213 |
| Cash dividends to net income (ytd only)* | 72.1154% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6480% | 331 |
| Loan loss allowance to noncurrent loans | 69.7694% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 2.3659% | 656 |
| Noncurrent loans to loans | 3.7954% | 331 |
| Net loans and leases to total assets | 57.9622% | 4,044 |
| Net loans and leases to deposits | 65.1625% | 4,325 |
| Net loans and leases to core deposits | 68.7842% | 4,338 |
| Total domestic deposits to total assets | 88.9502% | 1,128 |
| Equity capital to assets | 10.8780% | 3,073 |
| Core capital (leverage) ratio | 10.7289% | 2,691 |
| Tier 1 risk-based capital ratio | 15.1539% | 3,085 |
| Total risk-based capital ratio | 16.4163% | 3,013 |
| Memoranda: | ||
| Average total assets | $50,819,500 | 5,491 |
| Average earning assets | $46,036,500 | 5,491 |
| Average equity | $5,559,500 | 5,500 |
| Average total loans | $31,010,500 | 5,309 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2675% | 2,323 |
| Cost of funding earning assets | 0.4469% | 2,657 |
| Net interest margin | 3.8205% | 2,302 |
| Noninterest income to average assets | 0.6426% | 2,500 |
| Noninterest expense to average assets | 3.3676% | 1,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8012% | 3,333 |
| Return on assets (ROA) | 0.8389% | 3,233 |
| Pretax return on assets | 0.8389% | 4,072 |
| Return on Equity (ROE) | 7.5755% | 3,201 |
| Retained earnings to average equity (ytd only) | -3.3669% | 5,841 |
| Net charge-offs to loans | 0.0033% | 4,346 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 404.0000% | 160 |
| Efficiency ratio | 80.7802% | 1,570 |
| Assets per employee ($millions) | 2.9305% | 5,584 |
| Cash dividends to net income (ytd only)* | 144.4444% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6181% | 349 |
| Loan loss allowance to noncurrent loans | 83.2653% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 2.0775% | 835 |
| Noncurrent loans to loans | 3.1443% | 494 |
| Net loans and leases to total assets | 60.9245% | 3,705 |
| Net loans and leases to deposits | 70.3407% | 3,886 |
| Net loans and leases to core deposits | 73.9697% | 3,946 |
| Total domestic deposits to total assets | 86.6135% | 2,317 |
| Equity capital to assets | 11.0038% | 2,820 |
| Core capital (leverage) ratio | 10.7915% | 2,612 |
| Tier 1 risk-based capital ratio | 15.7161% | 2,823 |
| Total risk-based capital ratio | 16.9803% | 2,750 |
| Memoranda: | ||
| Average total assets | $50,422,200 | 5,532 |
| Average earning assets | $46,538,000 | 5,510 |
| Average equity | $5,583,800 | 5,524 |
| Average total loans | $30,765,000 | 5,331 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2585% | 2,370 |
| Cost of funding earning assets | 0.4588% | 2,601 |
| Net interest margin | 3.7996% | 2,385 |
| Noninterest income to average assets | 0.6248% | 2,607 |
| Noninterest expense to average assets | 3.4458% | 1,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6723% | 4,022 |
| Return on assets (ROA) | 0.7039% | 3,995 |
| Pretax return on assets | 0.7039% | 4,669 |
| Return on Equity (ROE) | 6.3465% | 3,985 |
| Retained earnings to average equity (ytd only) | 0.9984% | 5,316 |
| Net charge-offs to loans | 0.0043% | 4,026 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 255.6316% | 271 |
| Efficiency ratio | 83.6748% | 1,204 |
| Assets per employee ($millions) | 2.9965% | 5,549 |
| Cash dividends to net income (ytd only)* | 84.2692% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6208% | 371 |
| Loan loss allowance to noncurrent loans | 83.0957% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 2.0357% | 996 |
| Noncurrent loans to loans | 3.1539% | 535 |
| Net loans and leases to total assets | 59.5210% | 3,935 |
| Net loans and leases to deposits | 68.5105% | 4,140 |
| Net loans and leases to core deposits | 73.2509% | 4,081 |
| Total domestic deposits to total assets | 86.8787% | 2,106 |
| Equity capital to assets | 10.8068% | 3,230 |
| Core capital (leverage) ratio | 11.0019% | 2,488 |
| Tier 1 risk-based capital ratio | 16.5476% | 2,549 |
| Total risk-based capital ratio | 17.8105% | 2,501 |
| Memoranda: | ||
| Average total assets | $50,573,000 | 5,599 |
| Average earning assets | $46,494,500 | 5,585 |
| Average equity | $5,609,250 | 5,590 |
| Average total loans | $30,664,250 | 5,398 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2511% | 2,353 |
| Cost of funding earning assets | 0.4661% | 2,548 |
| Net interest margin | 3.7850% | 2,383 |
| Noninterest income to average assets | 0.6026% | 2,724 |
| Noninterest expense to average assets | 3.3894% | 1,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6898% | 3,939 |
| Return on assets (ROA) | 0.6898% | 4,051 |
| Pretax return on assets | 0.6898% | 4,687 |
| Return on Equity (ROE) | 6.1658% | 4,055 |
| Retained earnings to average equity (ytd only) | 0.8505% | 5,224 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0904% | 1,355 |
| Assets per employee ($millions) | 3.0421% | 5,544 |
| Cash dividends to net income (ytd only)* | 86.2069% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6460% | 400 |
| Loan loss allowance to noncurrent loans | 83.1976% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 2.0052% | 1,099 |
| Noncurrent loans to loans | 3.1804% | 595 |
| Net loans and leases to total assets | 58.1263% | 4,082 |
| Net loans and leases to deposits | 67.5779% | 4,170 |
| Net loans and leases to core deposits | 72.1815% | 4,112 |
| Total domestic deposits to total assets | 86.0137% | 2,689 |
| Equity capital to assets | 10.7396% | 3,179 |
| Core capital (leverage) ratio | 10.8817% | 2,533 |
| Tier 1 risk-based capital ratio | 16.8107% | 2,484 |
| Total risk-based capital ratio | 18.0740% | 2,434 |
| Memoranda: | ||
| Average total assets | $50,450,670 | 5,659 |
| Average earning assets | $46,340,670 | 5,653 |
| Average equity | $5,644,000 | 5,639 |
| Average total loans | $30,507,000 | 5,454 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1471% | 2,642 |
| Cost of funding earning assets | 0.4675% | 2,584 |
| Net interest margin | 3.6795% | 2,702 |
| Noninterest income to average assets | 0.6182% | 2,559 |
| Noninterest expense to average assets | 3.2679% | 1,803 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7628% | 3,468 |
| Return on assets (ROA) | 0.7628% | 3,601 |
| Pretax return on assets | 0.7628% | 4,377 |
| Return on Equity (ROE) | 6.6796% | 3,665 |
| Retained earnings to average equity (ytd only) | 1.4062% | 4,925 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0757% | 1,749 |
| Assets per employee ($millions) | 3.2034% | 5,412 |
| Cash dividends to net income (ytd only)* | 78.9474% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7146% | 401 |
| Loan loss allowance to noncurrent loans | 82.2759% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 2.0564% | 1,141 |
| Noncurrent loans to loans | 3.2993% | 613 |
| Net loans and leases to total assets | 57.1261% | 4,072 |
| Net loans and leases to deposits | 66.7655% | 4,073 |
| Net loans and leases to core deposits | 71.3781% | 4,026 |
| Total domestic deposits to total assets | 85.5624% | 3,147 |
| Equity capital to assets | 11.2106% | 2,743 |
| Core capital (leverage) ratio | 11.0864% | 2,327 |
| Tier 1 risk-based capital ratio | 16.4933% | 2,684 |
| Total risk-based capital ratio | 17.7569% | 2,624 |
| Memoranda: | ||
| Average total assets | $49,818,500 | 5,726 |
| Average earning assets | $46,201,500 | 5,702 |
| Average equity | $5,689,000 | 5,677 |
| Average total loans | $30,322,000 | 5,494 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2660% | 2,717 |
| Cost of funding earning assets | 0.5029% | 2,652 |
| Net interest margin | 3.7631% | 2,758 |
| Noninterest income to average assets | 0.5740% | 3,027 |
| Noninterest expense to average assets | 3.0707% | 2,619 |
| Loan and lease loss provision to assets | -0.1932% | 6,283 |
| Net operating income to assets | 1.1672% | 1,687 |
| Return on assets (ROA) | 1.1711% | 1,749 |
| Pretax return on assets | 1.1711% | 2,775 |
| Return on Equity (ROE) | 11.3598% | 1,606 |
| Retained earnings to average equity (ytd only) | -2.7743% | 6,071 |
| Net charge-offs to loans | 0.0582% | 3,677 |
| Credit loss provision to net charge-offs | -555.5556% | 5,808 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,412 |
| Efficiency ratio | 75.9197% | 2,520 |
| Assets per employee ($millions) | 3.0239% | 5,666 |
| Cash dividends to net income (ytd only)* | 124.4224% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6746% | 439 |
| Loan loss allowance to noncurrent loans | 56.6967% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 3.0879% | 642 |
| Noncurrent loans to loans | 4.7173% | 336 |
| Net loans and leases to total assets | 61.4485% | 3,582 |
| Net loans and leases to deposits | 72.2233% | 3,658 |
| Net loans and leases to core deposits | 77.0527% | 3,608 |
| Total domestic deposits to total assets | 85.0812% | 3,255 |
| Equity capital to assets | 11.6407% | 2,307 |
| Core capital (leverage) ratio | 11.0035% | 2,407 |
| Tier 1 risk-based capital ratio | 18.0819% | 2,108 |
| Total risk-based capital ratio | 19.3474% | 2,071 |
| Memoranda: | ||
| Average total assets | $51,746,600 | 5,748 |
| Average earning assets | $47,726,600 | 5,729 |
| Average equity | $5,334,600 | 5,783 |
| Average total loans | $30,937,800 | 5,533 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2814% | 2,705 |
| Cost of funding earning assets | 0.5037% | 2,719 |
| Net interest margin | 3.7777% | 2,702 |
| Noninterest income to average assets | 0.5400% | 3,261 |
| Noninterest expense to average assets | 3.1134% | 2,435 |
| Loan and lease loss provision to assets | -0.2535% | 6,427 |
| Net operating income to assets | 1.1409% | 1,896 |
| Return on assets (ROA) | 1.1460% | 1,941 |
| Pretax return on assets | 1.1460% | 3,007 |
| Return on Equity (ROE) | 11.4567% | 1,642 |
| Retained earnings to average equity (ytd only) | -5.7537% | 6,278 |
| Net charge-offs to loans | 0.0816% | 3,031 |
| Credit loss provision to net charge-offs | -526.3158% | 5,763 |
| Earnings coverage of net charge-offs (x) | 18.4232% | 1,840 |
| Efficiency ratio | 77.8200% | 2,208 |
| Assets per employee ($millions) | 3.4889% | 4,886 |
| Cash dividends to net income (ytd only)* | 150.2215% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6686% | 512 |
| Loan loss allowance to noncurrent loans | 55.0607% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 2.9331% | 820 |
| Noncurrent loans to loans | 4.8466% | 391 |
| Net loans and leases to total assets | 56.8704% | 4,217 |
| Net loans and leases to deposits | 64.3572% | 4,496 |
| Net loans and leases to core deposits | 68.5460% | 4,456 |
| Total domestic deposits to total assets | 88.3668% | 1,569 |
| Equity capital to assets | 10.1599% | 3,981 |
| Core capital (leverage) ratio | 10.3556% | 3,205 |
| Tier 1 risk-based capital ratio | 17.5755% | 2,367 |
| Total risk-based capital ratio | 18.8419% | 2,320 |
| Memoranda: | ||
| Average total assets | $52,587,750 | 5,793 |
| Average earning assets | $48,176,000 | 5,783 |
| Average equity | $5,260,250 | 5,856 |
| Average total loans | $31,035,500 | 5,583 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3272% | 2,491 |
| Cost of funding earning assets | 0.5064% | 2,768 |
| Net interest margin | 3.8207% | 2,478 |
| Noninterest income to average assets | 0.4860% | 3,587 |
| Noninterest expense to average assets | 3.0566% | 2,640 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9531% | 2,542 |
| Return on assets (ROA) | 0.9531% | 2,633 |
| Pretax return on assets | 0.9531% | 3,668 |
| Return on Equity (ROE) | 9.5777% | 2,338 |
| Retained earnings to average equity (ytd only) | 6.7159% | 1,915 |
| Net charge-offs to loans | 0.1218% | 2,454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 13.2105% | 1,989 |
| Efficiency ratio | 76.2311% | 2,583 |
| Assets per employee ($millions) | 3.9892% | 3,861 |
| Cash dividends to net income (ytd only)* | 29.8805% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8255% | 461 |
| Loan loss allowance to noncurrent loans | 62.6968% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 2.7091% | 979 |
| Noncurrent loans to loans | 4.5066% | 489 |
| Net loans and leases to total assets | 56.4075% | 4,221 |
| Net loans and leases to deposits | 64.2787% | 4,473 |
| Net loans and leases to core deposits | 68.6534% | 4,401 |
| Total domestic deposits to total assets | 87.7545% | 2,056 |
| Equity capital to assets | 9.9966% | 4,110 |
| Core capital (leverage) ratio | 10.9699% | 2,456 |
| Tier 1 risk-based capital ratio | 17.4703% | 2,427 |
| Total risk-based capital ratio | 18.7378% | 2,394 |
| Memoranda: | ||
| Average total assets | $52,672,670 | 5,841 |
| Average earning assets | $48,577,000 | 5,822 |
| Average equity | $5,241,330 | 5,904 |
| Average total loans | $31,188,000 | 5,620 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3519% | 2,321 |
| Cost of funding earning assets | 0.5169% | 2,745 |
| Net interest margin | 3.8350% | 2,329 |
| Noninterest income to average assets | 0.6186% | 2,624 |
| Noninterest expense to average assets | 3.1712% | 2,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0492% | 2,010 |
| Return on assets (ROA) | 1.0492% | 2,076 |
| Pretax return on assets | 1.0492% | 3,138 |
| Return on Equity (ROE) | 10.5709% | 1,838 |
| Retained earnings to average equity (ytd only) | 8.2043% | 1,534 |
| Net charge-offs to loans | 0.2486% | 1,330 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 7.0526% | 2,159 |
| Efficiency ratio | 75.1391% | 2,939 |
| Assets per employee ($millions) | 3.5361% | 4,853 |
| Cash dividends to net income (ytd only)* | 22.3881% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8801% | 495 |
| Loan loss allowance to noncurrent loans | 64.5070% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 2.8827% | 1,012 |
| Noncurrent loans to loans | 4.4648% | 546 |
| Net loans and leases to total assets | 58.2342% | 3,804 |
| Net loans and leases to deposits | 66.3502% | 4,051 |
| Net loans and leases to core deposits | 71.1148% | 3,971 |
| Total domestic deposits to total assets | 87.7680% | 2,368 |
| Equity capital to assets | 9.9772% | 3,870 |
| Core capital (leverage) ratio | 11.2909% | 2,147 |
| Tier 1 risk-based capital ratio | 17.8087% | 2,371 |
| Total risk-based capital ratio | 19.0773% | 2,341 |
| Memoranda: | ||
| Average total assets | $51,084,500 | 5,936 |
| Average earning assets | $47,979,500 | 5,888 |
| Average equity | $5,070,500 | 5,979 |
| Average total loans | $30,572,500 | 5,694 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3943% | 2,611 |
| Cost of funding earning assets | 0.6299% | 2,389 |
| Net interest margin | 3.7644% | 2,788 |
| Noninterest income to average assets | 0.5956% | 3,119 |
| Noninterest expense to average assets | 3.0130% | 3,017 |
| Loan and lease loss provision to assets | 0.0951% | 3,221 |
| Net operating income to assets | 0.9313% | 2,640 |
| Return on assets (ROA) | 0.9410% | 2,678 |
| Pretax return on assets | 0.9410% | 3,590 |
| Return on Equity (ROE) | 9.3137% | 2,408 |
| Retained earnings to average equity (ytd only) | 7.7774% | 1,128 |
| Net charge-offs to loans | -0.2881% | 6,667 |
| Credit loss provision to net charge-offs | -55.0562% | 5,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5917% | 3,032 |
| Assets per employee ($millions) | 3.2752% | 5,334 |
| Cash dividends to net income (ytd only)* | 16.4948% | 3,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1867% | 377 |
| Loan loss allowance to noncurrent loans | 63.7790% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 3.1957% | 961 |
| Noncurrent loans to loans | 4.9964% | 503 |
| Net loans and leases to total assets | 57.8204% | 4,067 |
| Net loans and leases to deposits | 66.3010% | 4,265 |
| Net loans and leases to core deposits | 70.9618% | 4,192 |
| Total domestic deposits to total assets | 87.2089% | 2,621 |
| Equity capital to assets | 9.8701% | 3,937 |
| Core capital (leverage) ratio | 11.1290% | 2,257 |
| Tier 1 risk-based capital ratio | 19.0999% | 1,888 |
| Total risk-based capital ratio | 20.3731% | 1,843 |
| Memoranda: | ||
| Average total assets | $51,543,200 | 5,976 |
| Average earning assets | $47,152,000 | 5,959 |
| Average equity | $5,207,400 | 6,018 |
| Average total loans | $30,893,800 | 5,718 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4036% | 2,585 |
| Cost of funding earning assets | 0.6404% | 2,451 |
| Net interest margin | 3.7632% | 2,791 |
| Noninterest income to average assets | 0.5778% | 3,282 |
| Noninterest expense to average assets | 3.0861% | 2,707 |
| Loan and lease loss provision to assets | 0.1253% | 2,729 |
| Net operating income to assets | 0.7773% | 3,474 |
| Return on assets (ROA) | 0.7901% | 3,526 |
| Pretax return on assets | 0.7901% | 4,328 |
| Return on Equity (ROE) | 7.7778% | 3,245 |
| Retained earnings to average equity (ytd only) | 6.5192% | 2,121 |
| Net charge-offs to loans | -0.3665% | 6,747 |
| Credit loss provision to net charge-offs | -56.9767% | 5,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3718% | 2,502 |
| Assets per employee ($millions) | 3.6684% | 4,511 |
| Cash dividends to net income (ytd only)* | 16.1824% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0788% | 506 |
| Loan loss allowance to noncurrent loans | 65.5876% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 3.0220% | 1,222 |
| Noncurrent loans to loans | 4.6941% | 670 |
| Net loans and leases to total assets | 57.1295% | 4,158 |
| Net loans and leases to deposits | 64.9776% | 4,411 |
| Net loans and leases to core deposits | 70.1159% | 4,310 |
| Total domestic deposits to total assets | 87.9218% | 2,179 |
| Equity capital to assets | 9.5002% | 4,559 |
| Core capital (leverage) ratio | 10.5286% | 2,975 |
| Tier 1 risk-based capital ratio | 18.0321% | 2,313 |
| Total risk-based capital ratio | 19.3031% | 2,267 |
| Memoranda: | ||
| Average total assets | $52,147,000 | 6,030 |
| Average earning assets | $47,263,500 | 6,024 |
| Average equity | $5,297,000 | 6,061 |
| Average total loans | $31,282,000 | 5,753 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4498% | 2,386 |
| Cost of funding earning assets | 0.6477% | 2,516 |
| Net interest margin | 3.8021% | 2,550 |
| Noninterest income to average assets | 0.5800% | 3,316 |
| Noninterest expense to average assets | 3.0299% | 2,905 |
| Loan and lease loss provision to assets | 0.1870% | 2,021 |
| Net operating income to assets | 0.8128% | 3,226 |
| Return on assets (ROA) | 0.8319% | 3,294 |
| Pretax return on assets | 0.8319% | 4,191 |
| Return on Equity (ROE) | 8.0201% | 3,087 |
| Retained earnings to average equity (ytd only) | 7.2843% | 1,755 |
| Net charge-offs to loans | -0.0253% | 6,049 |
| Credit loss provision to net charge-offs | -1,225.0000% | 6,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1894% | 2,918 |
| Assets per employee ($millions) | 3.3713% | 5,129 |
| Cash dividends to net income (ytd only)* | 9.1743% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5526% | 928 |
| Loan loss allowance to noncurrent loans | 57.7838% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 3.0719% | 1,315 |
| Noncurrent loans to loans | 4.4174% | 803 |
| Net loans and leases to total assets | 60.1583% | 3,629 |
| Net loans and leases to deposits | 68.3273% | 3,968 |
| Net loans and leases to core deposits | 73.9382% | 3,819 |
| Total domestic deposits to total assets | 88.0443% | 2,212 |
| Equity capital to assets | 9.6309% | 4,411 |
| Core capital (leverage) ratio | 10.3685% | 3,022 |
| Tier 1 risk-based capital ratio | 16.2004% | 3,086 |
| Total risk-based capital ratio | 17.4646% | 3,028 |
| Memoranda: | ||
| Average total assets | $52,410,330 | 6,064 |
| Average earning assets | $47,552,330 | 6,052 |
| Average equity | $5,436,330 | 6,065 |
| Average total loans | $31,618,670 | 5,772 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5782% | 1,900 |
| Cost of funding earning assets | 0.6833% | 2,360 |
| Net interest margin | 3.8949% | 2,136 |
| Noninterest income to average assets | 0.6971% | 2,603 |
| Noninterest expense to average assets | 2.9819% | 3,044 |
| Loan and lease loss provision to assets | 0.3795% | 841 |
| Net operating income to assets | 0.8675% | 2,820 |
| Return on assets (ROA) | 0.9062% | 2,772 |
| Pretax return on assets | 0.9062% | 3,740 |
| Return on Equity (ROE) | 8.4218% | 2,763 |
| Retained earnings to average equity (ytd only) | 8.4218% | 1,595 |
| Net charge-offs to loans | -0.0130% | 5,539 |
| Credit loss provision to net charge-offs | -4,900.0000% | 5,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5128% | 3,890 |
| Assets per employee ($millions) | 3.5351% | 4,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7110% | 903 |
| Loan loss allowance to noncurrent loans | 58.7786% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 3.1532% | 1,390 |
| Noncurrent loans to loans | 4.6122% | 885 |
| Net loans and leases to total assets | 57.3228% | 3,866 |
| Net loans and leases to deposits | 65.7424% | 4,091 |
| Net loans and leases to core deposits | 71.0419% | 3,950 |
| Total domestic deposits to total assets | 87.1931% | 2,840 |
| Equity capital to assets | 10.5231% | 3,520 |
| Core capital (leverage) ratio | 10.4759% | 2,811 |
| Tier 1 risk-based capital ratio | 16.6914% | 2,908 |
| Total risk-based capital ratio | 17.9586% | 2,872 |
| Memoranda: | ||
| Average total assets | $51,645,000 | 6,140 |
| Average earning assets | $46,831,000 | 6,134 |
| Average equity | $5,557,000 | 6,083 |
| Average total loans | $30,778,000 | 5,853 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5661% | 3,143 |
| Cost of funding earning assets | 0.9170% | 1,839 |
| Net interest margin | 3.6490% | 3,883 |
| Noninterest income to average assets | 0.0437% | 6,716 |
| Noninterest expense to average assets | 3.0182% | 3,207 |
| Loan and lease loss provision to assets | 0.0114% | 5,770 |
| Net operating income to assets | 0.2771% | 5,552 |
| Return on assets (ROA) | 0.2771% | 5,765 |
| Pretax return on assets | 0.2771% | 5,865 |
| Return on Equity (ROE) | 2.6679% | 5,685 |
| Retained earnings to average equity (ytd only) | 2.6679% | 4,354 |
| Net charge-offs to loans | -0.0951% | 6,816 |
| Credit loss provision to net charge-offs | -20.6897% | 6,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2744% | 964 |
| Assets per employee ($millions) | 3.1415% | 5,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6292% | 992 |
| Loan loss allowance to noncurrent loans | 54.7014% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 3.3662% | 1,365 |
| Noncurrent loans to loans | 4.8065% | 850 |
| Net loans and leases to total assets | 58.7219% | 3,850 |
| Net loans and leases to deposits | 67.7143% | 4,026 |
| Net loans and leases to core deposits | 73.5235% | 3,845 |
| Total domestic deposits to total assets | 86.7201% | 2,977 |
| Equity capital to assets | 11.0099% | 2,938 |
| Core capital (leverage) ratio | 10.6153% | 2,642 |
| Tier 1 risk-based capital ratio | 16.9751% | 2,666 |
| Total risk-based capital ratio | 18.2415% | 2,625 |
| Memoranda: | ||
| Average total assets | $52,680,000 | 6,127 |
| Average earning assets | $47,108,200 | 6,149 |
| Average equity | $5,472,400 | 6,156 |
| Average total loans | $30,481,800 | 5,930 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5731% | 3,320 |
| Cost of funding earning assets | 0.9517% | 1,845 |
| Net interest margin | 3.6214% | 4,144 |
| Noninterest income to average assets | -0.1201% | 7,035 |
| Noninterest expense to average assets | 3.2154% | 2,513 |
| Loan and lease loss provision to assets | 0.0150% | 5,622 |
| Net operating income to assets | -0.1226% | 6,423 |
| Return on assets (ROA) | -0.1226% | 6,509 |
| Pretax return on assets | -0.1226% | 6,492 |
| Return on Equity (ROE) | -1.1972% | 6,515 |
| Retained earnings to average equity (ytd only) | -1.1972% | 6,295 |
| Net charge-offs to loans | -0.0131% | 6,417 |
| Credit loss provision to net charge-offs | -200.0000% | 6,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4622% | 430 |
| Assets per employee ($millions) | 3.4280% | 5,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5789% | 1,105 |
| Loan loss allowance to noncurrent loans | 52.8807% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 3.3742% | 1,498 |
| Noncurrent loans to loans | 4.8769% | 935 |
| Net loans and leases to total assets | 56.6414% | 4,357 |
| Net loans and leases to deposits | 65.0184% | 4,590 |
| Net loans and leases to core deposits | 70.7897% | 4,398 |
| Total domestic deposits to total assets | 87.1159% | 2,601 |
| Equity capital to assets | 10.3423% | 4,027 |
| Core capital (leverage) ratio | 9.9383% | 3,632 |
| Tier 1 risk-based capital ratio | 16.4403% | 3,036 |
| Total risk-based capital ratio | 17.7035% | 2,994 |
| Memoranda: | ||
| Average total assets | $53,284,000 | 6,178 |
| Average earning assets | $47,493,750 | 6,210 |
| Average equity | $5,457,000 | 6,229 |
| Average total loans | $30,524,000 | 6,001 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5134% | 3,711 |
| Cost of funding earning assets | 0.9803% | 1,878 |
| Net interest margin | 3.5331% | 4,538 |
| Noninterest income to average assets | 0.4526% | 4,270 |
| Noninterest expense to average assets | 3.1982% | 2,597 |
| Loan and lease loss provision to assets | 0.0223% | 5,390 |
| Net operating income to assets | 0.3747% | 5,330 |
| Return on assets (ROA) | 0.3747% | 5,554 |
| Pretax return on assets | 0.3747% | 5,767 |
| Return on Equity (ROE) | 3.6705% | 5,409 |
| Retained earnings to average equity (ytd only) | 3.6705% | 4,151 |
| Net charge-offs to loans | 0.1367% | 3,836 |
| Credit loss provision to net charge-offs | 28.5714% | 4,461 |
| Earnings coverage of net charge-offs (x) | 5.0952% | 2,906 |
| Efficiency ratio | 88.9577% | 1,154 |
| Assets per employee ($millions) | 3.8471% | 4,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4778% | 1,316 |
| Loan loss allowance to noncurrent loans | 44.8110% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 5.0947% | 929 |
| Noncurrent loans to loans | 5.5294% | 840 |
| Net loans and leases to total assets | 54.5878% | 4,692 |
| Net loans and leases to deposits | 63.8694% | 4,779 |
| Net loans and leases to core deposits | 69.8909% | 4,540 |
| Total domestic deposits to total assets | 85.4679% | 3,627 |
| Equity capital to assets | 10.2432% | 3,999 |
| Core capital (leverage) ratio | 9.8916% | 3,586 |
| Tier 1 risk-based capital ratio | 16.0715% | 3,131 |
| Total risk-based capital ratio | 17.3348% | 3,091 |
| Memoranda: | ||
| Average total assets | $53,905,330 | 6,189 |
| Average earning assets | $47,946,000 | 6,237 |
| Average equity | $5,503,330 | 6,241 |
| Average total loans | $30,733,330 | 6,026 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6104% | 3,455 |
| Cost of funding earning assets | 1.0052% | 1,950 |
| Net interest margin | 3.6053% | 4,245 |
| Noninterest income to average assets | 0.4228% | 4,500 |
| Noninterest expense to average assets | 3.1894% | 2,639 |
| Loan and lease loss provision to assets | 0.0445% | 4,849 |
| Net operating income to assets | 0.4080% | 5,221 |
| Return on assets (ROA) | 0.4080% | 5,407 |
| Pretax return on assets | 0.4080% | 5,701 |
| Return on Equity (ROE) | 4.0025% | 5,294 |
| Retained earnings to average equity (ytd only) | 4.0025% | 4,187 |
| Net charge-offs to loans | 0.3868% | 2,144 |
| Credit loss provision to net charge-offs | 20.0000% | 3,774 |
| Earnings coverage of net charge-offs (x) | 2.0333% | 3,333 |
| Efficiency ratio | 87.5764% | 1,326 |
| Assets per employee ($millions) | 3.6897% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4133% | 1,480 |
| Loan loss allowance to noncurrent loans | 39.6561% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 5.5633% | 877 |
| Noncurrent loans to loans | 6.0857% | 824 |
| Net loans and leases to total assets | 53.9200% | 4,737 |
| Net loans and leases to deposits | 62.7513% | 4,804 |
| Net loans and leases to core deposits | 68.4418% | 4,637 |
| Total domestic deposits to total assets | 85.9265% | 3,571 |
| Equity capital to assets | 9.9864% | 4,136 |
| Core capital (leverage) ratio | 9.9649% | 3,400 |
| Tier 1 risk-based capital ratio | 15.6316% | 3,375 |
| Total risk-based capital ratio | 16.8943% | 3,337 |
| Memoranda: | ||
| Average total assets | $53,928,000 | 6,235 |
| Average earning assets | $48,152,000 | 6,270 |
| Average equity | $5,496,500 | 6,280 |
| Average total loans | $31,026,000 | 6,061 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6991% | 4,251 |
| Cost of funding earning assets | 1.1985% | 2,033 |
| Net interest margin | 3.5006% | 5,143 |
| Noninterest income to average assets | 0.4960% | 3,876 |
| Noninterest expense to average assets | 2.9358% | 3,819 |
| Loan and lease loss provision to assets | 0.7753% | 1,286 |
| Net operating income to assets | -0.0276% | 6,081 |
| Return on assets (ROA) | 0.2278% | 5,644 |
| Pretax return on assets | 0.2278% | 5,721 |
| Return on Equity (ROE) | 2.2705% | 5,556 |
| Retained earnings to average equity (ytd only) | 1.5381% | 5,116 |
| Net charge-offs to loans | 1.5344% | 1,035 |
| Credit loss provision to net charge-offs | 84.0637% | 4,279 |
| Earnings coverage of net charge-offs (x) | 0.8108% | 5,191 |
| Efficiency ratio | 79.7007% | 2,348 |
| Assets per employee ($millions) | 3.2819% | 5,549 |
| Cash dividends to net income (ytd only)* | 32.2581% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4212% | 1,424 |
| Loan loss allowance to noncurrent loans | 61.4516% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 4.6676% | 1,173 |
| Noncurrent loans to loans | 3.9400% | 1,592 |
| Net loans and leases to total assets | 58.4830% | 4,285 |
| Net loans and leases to deposits | 68.4315% | 4,377 |
| Net loans and leases to core deposits | 75.5288% | 4,042 |
| Total domestic deposits to total assets | 85.4621% | 3,614 |
| Equity capital to assets | 10.4092% | 3,641 |
| Core capital (leverage) ratio | 9.7292% | 3,705 |
| Tier 1 risk-based capital ratio | 15.2977% | 3,454 |
| Total risk-based capital ratio | 16.5609% | 3,403 |
| Memoranda: | ||
| Average total assets | $54,431,600 | 6,216 |
| Average earning assets | $49,563,200 | 6,210 |
| Average equity | $5,461,400 | 6,303 |
| Average total loans | $32,715,800 | 6,030 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7536% | 4,212 |
| Cost of funding earning assets | 1.2183% | 2,205 |
| Net interest margin | 3.5353% | 5,041 |
| Noninterest income to average assets | 0.5512% | 3,506 |
| Noninterest expense to average assets | 3.1298% | 3,056 |
| Loan and lease loss provision to assets | 0.3399% | 2,844 |
| Net operating income to assets | 0.3084% | 5,369 |
| Return on assets (ROA) | 0.6459% | 4,072 |
| Pretax return on assets | 0.6459% | 4,663 |
| Return on Equity (ROE) | 6.4953% | 3,771 |
| Retained earnings to average equity (ytd only) | 5.5186% | 2,852 |
| Net charge-offs to loans | 1.0860% | 1,467 |
| Credit loss provision to net charge-offs | 52.0446% | 4,992 |
| Earnings coverage of net charge-offs (x) | 0.9926% | 4,883 |
| Efficiency ratio | 82.8406% | 1,864 |
| Assets per employee ($millions) | 3.4206% | 5,195 |
| Cash dividends to net income (ytd only)* | 15.0369% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2619% | 1,751 |
| Loan loss allowance to noncurrent loans | 101.7118% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 3.4991% | 1,799 |
| Noncurrent loans to loans | 2.2238% | 3,080 |
| Net loans and leases to total assets | 56.2937% | 4,796 |
| Net loans and leases to deposits | 65.8565% | 4,928 |
| Net loans and leases to core deposits | 72.3590% | 4,668 |
| Total domestic deposits to total assets | 85.4794% | 3,509 |
| Equity capital to assets | 10.2797% | 3,984 |
| Core capital (leverage) ratio | 9.7595% | 3,757 |
| Tier 1 risk-based capital ratio | 15.4908% | 3,392 |
| Total risk-based capital ratio | 16.7509% | 3,357 |
| Memoranda: | ||
| Average total assets | $54,911,750 | 6,247 |
| Average earning assets | $50,122,250 | 6,241 |
| Average equity | $5,460,250 | 6,352 |
| Average total loans | $33,026,750 | 6,070 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6836% | 4,608 |
| Cost of funding earning assets | 1.2290% | 2,388 |
| Net interest margin | 3.4546% | 5,348 |
| Noninterest income to average assets | 0.5203% | 3,703 |
| Noninterest expense to average assets | 3.1325% | 3,137 |
| Loan and lease loss provision to assets | 0.4766% | 2,076 |
| Net operating income to assets | 0.1019% | 6,013 |
| Return on assets (ROA) | 0.6076% | 4,155 |
| Pretax return on assets | 0.6076% | 4,726 |
| Return on Equity (ROE) | 6.1795% | 3,867 |
| Retained earnings to average equity (ytd only) | 4.6994% | 3,195 |
| Net charge-offs to loans | 1.5867% | 927 |
| Credit loss provision to net charge-offs | 49.2481% | 4,599 |
| Earnings coverage of net charge-offs (x) | 0.5977% | 4,848 |
| Efficiency ratio | 84.4118% | 1,769 |
| Assets per employee ($millions) | 3.4884% | 4,969 |
| Cash dividends to net income (ytd only)* | 23.9521% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1720% | 1,972 |
| Loan loss allowance to noncurrent loans | 93.2718% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 3.6048% | 1,820 |
| Noncurrent loans to loans | 2.3287% | 3,058 |
| Net loans and leases to total assets | 57.0528% | 4,813 |
| Net loans and leases to deposits | 66.2657% | 4,958 |
| Net loans and leases to core deposits | 72.1056% | 4,806 |
| Total domestic deposits to total assets | 86.0969% | 3,269 |
| Equity capital to assets | 9.7608% | 4,441 |
| Core capital (leverage) ratio | 9.3923% | 4,121 |
| Tier 1 risk-based capital ratio | 14.7304% | 3,657 |
| Total risk-based capital ratio | 15.9894% | 3,620 |
| Memoranda: | ||
| Average total assets | $54,972,670 | 6,298 |
| Average earning assets | $50,773,330 | 6,265 |
| Average equity | $5,405,000 | 6,402 |
| Average total loans | $33,528,330 | 6,104 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6657% | 4,667 |
| Cost of funding earning assets | 1.2619% | 2,417 |
| Net interest margin | 3.4039% | 5,418 |
| Noninterest income to average assets | 0.5866% | 3,260 |
| Noninterest expense to average assets | 3.2263% | 2,794 |
| Loan and lease loss provision to assets | 0.1686% | 3,939 |
| Net operating income to assets | 0.3960% | 4,965 |
| Return on assets (ROA) | 1.4152% | 1,074 |
| Pretax return on assets | 1.4152% | 1,684 |
| Return on Equity (ROE) | 14.3401% | 929 |
| Retained earnings to average equity (ytd only) | 12.1111% | 722 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1064% | 1,827 |
| Assets per employee ($millions) | 3.5452% | 4,888 |
| Cash dividends to net income (ytd only)* | 15.5440% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5473% | 1,392 |
| Loan loss allowance to noncurrent loans | 47.5798% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 4.6013% | 1,403 |
| Noncurrent loans to loans | 5.3538% | 1,230 |
| Net loans and leases to total assets | 58.3397% | 4,585 |
| Net loans and leases to deposits | 67.4439% | 4,754 |
| Net loans and leases to core deposits | 73.2318% | 4,625 |
| Total domestic deposits to total assets | 86.5011% | 3,233 |
| Equity capital to assets | 9.5182% | 4,402 |
| Core capital (leverage) ratio | 9.5675% | 3,703 |
| Tier 1 risk-based capital ratio | 14.7666% | 3,568 |
| Total risk-based capital ratio | 16.0318% | 3,520 |
| Memoranda: | ||
| Average total assets | $54,551,500 | 6,356 |
| Average earning assets | $51,353,000 | 6,294 |
| Average equity | $5,383,500 | 6,425 |
| Average total loans | $34,017,000 | 6,123 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8245% | 5,331 |
| Cost of funding earning assets | 1.5408% | 2,404 |
| Net interest margin | 3.2837% | 6,034 |
| Noninterest income to average assets | 0.5842% | 3,565 |
| Noninterest expense to average assets | 2.8125% | 4,552 |
| Loan and lease loss provision to assets | 1.3061% | 1,174 |
| Net operating income to assets | -0.4886% | 6,383 |
| Return on assets (ROA) | -0.3454% | 6,286 |
| Pretax return on assets | -0.3454% | 6,195 |
| Return on Equity (ROE) | -3.5018% | 6,321 |
| Retained earnings to average equity (ytd only) | -3.6881% | 6,175 |
| Net charge-offs to loans | 1.2019% | 1,863 |
| Credit loss provision to net charge-offs | 175.9901% | 1,894 |
| Earnings coverage of net charge-offs (x) | 1.1015% | 5,010 |
| Efficiency ratio | 77.4798% | 2,791 |
| Assets per employee ($millions) | 3.7414% | 4,381 |
| Cash dividends to net income (ytd only)* | -5.3191% | 7,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4709% | 1,441 |
| Loan loss allowance to noncurrent loans | 56.9689% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 4.4922% | 1,490 |
| Noncurrent loans to loans | 4.3372% | 1,661 |
| Net loans and leases to total assets | 63.4498% | 3,978 |
| Net loans and leases to deposits | 72.3711% | 4,450 |
| Net loans and leases to core deposits | 77.2099% | 4,564 |
| Total domestic deposits to total assets | 87.6728% | 2,439 |
| Equity capital to assets | 10.2482% | 3,444 |
| Core capital (leverage) ratio | 9.3716% | 3,896 |
| Tier 1 risk-based capital ratio | 14.4393% | 3,594 |
| Total risk-based capital ratio | 15.7095% | 3,527 |
| Memoranda: | ||
| Average total assets | $54,436,200 | 6,386 |
| Average earning assets | $50,491,800 | 6,349 |
| Average equity | $5,368,600 | 6,545 |
| Average total loans | $33,614,600 | 6,226 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7526% | 5,840 |
| Cost of funding earning assets | 1.5807% | 2,502 |
| Net interest margin | 3.1719% | 6,431 |
| Noninterest income to average assets | 0.5896% | 3,508 |
| Noninterest expense to average assets | 3.0087% | 3,709 |
| Loan and lease loss provision to assets | 1.0870% | 1,338 |
| Net operating income to assets | -0.5702% | 6,647 |
| Return on assets (ROA) | -0.3809% | 6,550 |
| Pretax return on assets | -0.3809% | 6,479 |
| Return on Equity (ROE) | -3.8990% | 6,564 |
| Retained earnings to average equity (ytd only) | -3.8990% | 6,452 |
| Net charge-offs to loans | 1.5682% | 1,270 |
| Credit loss provision to net charge-offs | 113.7056% | 3,684 |
| Earnings coverage of net charge-offs (x) | 0.5406% | 5,483 |
| Efficiency ratio | 85.3407% | 1,700 |
| Assets per employee ($millions) | 4.2174% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8432% | 2,653 |
| Loan loss allowance to noncurrent loans | 143.3090% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 2.1723% | 3,246 |
| Noncurrent loans to loans | 1.2861% | 4,706 |
| Net loans and leases to total assets | 57.2119% | 5,380 |
| Net loans and leases to deposits | 65.1159% | 5,772 |
| Net loans and leases to core deposits | 68.8477% | 5,859 |
| Total domestic deposits to total assets | 87.8616% | 2,044 |
| Equity capital to assets | 9.8803% | 4,317 |
| Core capital (leverage) ratio | 9.4230% | 4,026 |
| Tier 1 risk-based capital ratio | 14.9468% | 3,278 |
| Total risk-based capital ratio | 16.2027% | 3,260 |
| Memoranda: | ||
| Average total assets | $54,950,250 | 6,449 |
| Average earning assets | $50,862,250 | 6,407 |
| Average equity | $5,368,750 | 6,631 |
| Average total loans | $33,499,000 | 6,317 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7934% | 5,818 |
| Cost of funding earning assets | 1.6702% | 2,284 |
| Net interest margin | 3.1232% | 6,542 |
| Noninterest income to average assets | 0.6110% | 3,249 |
| Noninterest expense to average assets | 3.1277% | 3,196 |
| Loan and lease loss provision to assets | 1.5966% | 820 |
| Net operating income to assets | -1.2366% | 7,050 |
| Return on assets (ROA) | -0.9529% | 6,942 |
| Pretax return on assets | -0.9529% | 6,865 |
| Return on Equity (ROE) | -9.7895% | 6,961 |
| Retained earnings to average equity (ytd only) | -9.7895% | 6,907 |
| Net charge-offs to loans | 2.2697% | 787 |
| Credit loss provision to net charge-offs | 113.7306% | 3,578 |
| Earnings coverage of net charge-offs (x) | 0.2565% | 5,471 |
| Efficiency ratio | 89.6767% | 1,365 |
| Assets per employee ($millions) | 3.9614% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7827% | 2,778 |
| Loan loss allowance to noncurrent loans | 123.5294% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 2.2467% | 3,201 |
| Noncurrent loans to loans | 1.4431% | 4,546 |
| Net loans and leases to total assets | 58.4143% | 5,351 |
| Net loans and leases to deposits | 66.1291% | 5,787 |
| Net loans and leases to core deposits | 69.8370% | 5,892 |
| Total domestic deposits to total assets | 88.3337% | 1,811 |
| Equity capital to assets | 9.4448% | 4,789 |
| Core capital (leverage) ratio | 9.2069% | 4,288 |
| Tier 1 risk-based capital ratio | 14.3556% | 3,516 |
| Total risk-based capital ratio | 15.6118% | 3,479 |
| Memoranda: | ||
| Average total assets | $54,991,670 | 6,490 |
| Average earning assets | $50,653,000 | 6,457 |
| Average equity | $5,352,670 | 6,665 |
| Average total loans | $34,013,330 | 6,334 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7516% | 6,065 |
| Cost of funding earning assets | 1.7598% | 2,074 |
| Net interest margin | 2.9917% | 6,847 |
| Noninterest income to average assets | 0.5552% | 3,610 |
| Noninterest expense to average assets | 3.1557% | 3,027 |
| Loan and lease loss provision to assets | 0.8766% | 1,452 |
| Net operating income to assets | -0.7451% | 6,986 |
| Return on assets (ROA) | -0.1753% | 6,588 |
| Pretax return on assets | -0.1753% | 6,535 |
| Return on Equity (ROE) | -1.7745% | 6,616 |
| Retained earnings to average equity (ytd only) | -1.7745% | 6,177 |
| Net charge-offs to loans | 0.6256% | 2,256 |
| Credit loss provision to net charge-offs | 222.2222% | 1,696 |
| Earnings coverage of net charge-offs (x) | 0.3333% | 4,741 |
| Efficiency ratio | 96.0000% | 1,023 |
| Assets per employee ($millions) | 4.0022% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7404% | 2,919 |
| Loan loss allowance to noncurrent loans | 24.9378% | 6,747 |
| Noncurrent assets plus other real estate owned to assets | 4.8366% | 1,352 |
| Noncurrent loans to loans | 6.9790% | 855 |
| Net loans and leases to total assets | 60.5575% | 5,030 |
| Net loans and leases to deposits | 68.8242% | 5,493 |
| Net loans and leases to core deposits | 73.1981% | 5,592 |
| Total domestic deposits to total assets | 87.9888% | 2,066 |
| Equity capital to assets | 9.6054% | 4,371 |
| Core capital (leverage) ratio | 9.7703% | 3,434 |
| Tier 1 risk-based capital ratio | 14.7790% | 3,218 |
| Total risk-based capital ratio | 16.0341% | 3,174 |
| Memoranda: | ||
| Average total assets | $54,758,000 | 6,578 |
| Average earning assets | $50,004,500 | 6,549 |
| Average equity | $5,410,000 | 6,707 |
| Average total loans | $34,528,000 | 6,396 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4079% | 4,667 |
| Cost of funding earning assets | 2.1603% | 2,186 |
| Net interest margin | 3.2476% | 5,938 |
| Noninterest income to average assets | 0.5508% | 4,020 |
| Noninterest expense to average assets | 2.8381% | 4,805 |
| Loan and lease loss provision to assets | 0.6847% | 3,086 |
| Net operating income to assets | 0.0497% | 5,339 |
| Return on assets (ROA) | -0.1549% | 5,768 |
| Pretax return on assets | -0.1549% | 5,650 |
| Return on Equity (ROE) | -1.5047% | 5,777 |
| Retained earnings to average equity (ytd only) | -4.2911% | 5,914 |
| Net charge-offs to loans | 0.7535% | 2,937 |
| Credit loss provision to net charge-offs | 133.0855% | 3,754 |
| Earnings coverage of net charge-offs (x) | 1.4275% | 4,695 |
| Efficiency ratio | 79.4433% | 2,961 |
| Assets per employee ($millions) | 3.8204% | 4,234 |
| Cash dividends to net income (ytd only)* | -185.1852% | 7,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 3,481 |
| Loan loss allowance to noncurrent loans | 47.0951% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 2.4100% | 2,887 |
| Noncurrent loans to loans | 3.2905% | 2,322 |
| Net loans and leases to total assets | 63.5487% | 4,691 |
| Net loans and leases to deposits | 74.3140% | 4,990 |
| Net loans and leases to core deposits | 91.2211% | 4,984 |
| Total domestic deposits to total assets | 85.5137% | 3,284 |
| Equity capital to assets | 10.1673% | 3,540 |
| Core capital (leverage) ratio | 10.0845% | 3,009 |
| Tier 1 risk-based capital ratio | 14.9306% | 2,979 |
| Total risk-based capital ratio | 16.1844% | 2,925 |
| Memoranda: | ||
| Average total assets | $52,288,600 | 6,625 |
| Average earning assets | $48,651,000 | 6,575 |
| Average equity | $5,383,200 | 6,811 |
| Average total loans | $35,699,000 | 6,322 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3790% | 5,048 |
| Cost of funding earning assets | 2.1984% | 2,422 |
| Net interest margin | 3.1806% | 6,085 |
| Noninterest income to average assets | 0.5206% | 4,312 |
| Noninterest expense to average assets | 2.8826% | 4,527 |
| Loan and lease loss provision to assets | 0.6899% | 2,672 |
| Net operating income to assets | -0.0539% | 5,809 |
| Return on assets (ROA) | -0.0539% | 5,857 |
| Pretax return on assets | -0.0539% | 5,785 |
| Return on Equity (ROE) | -0.5215% | 5,858 |
| Retained earnings to average equity (ytd only) | -4.2460% | 6,145 |
| Net charge-offs to loans | 0.9816% | 2,006 |
| Credit loss provision to net charge-offs | 101.5094% | 5,013 |
| Earnings coverage of net charge-offs (x) | 0.9359% | 5,123 |
| Efficiency ratio | 81.9242% | 2,588 |
| Assets per employee ($millions) | 3.7979% | 4,195 |
| Cash dividends to net income (ytd only)* | -714.2857% | 8,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 4,829 |
| Loan loss allowance to noncurrent loans | 42.4528% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 2.2757% | 3,010 |
| Noncurrent loans to loans | 2.9445% | 2,582 |
| Net loans and leases to total assets | 66.8579% | 4,227 |
| Net loans and leases to deposits | 78.5058% | 4,662 |
| Net loans and leases to core deposits | 97.9689% | 4,605 |
| Total domestic deposits to total assets | 85.1630% | 3,143 |
| Equity capital to assets | 10.1973% | 3,849 |
| Core capital (leverage) ratio | 10.1518% | 3,112 |
| Tier 1 risk-based capital ratio | 14.9091% | 3,082 |
| Total risk-based capital ratio | 16.1449% | 3,030 |
| Memoranda: | ||
| Average total assets | $51,989,500 | 6,688 |
| Average earning assets | $49,003,750 | 6,611 |
| Average equity | $5,369,500 | 6,881 |
| Average total loans | $35,992,750 | 6,350 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4124% | 5,079 |
| Cost of funding earning assets | 2.2440% | 2,607 |
| Net interest margin | 3.1684% | 6,030 |
| Noninterest income to average assets | 0.6163% | 3,559 |
| Noninterest expense to average assets | 2.8413% | 4,771 |
| Loan and lease loss provision to assets | 0.7985% | 2,092 |
| Net operating income to assets | -0.0078% | 5,859 |
| Return on assets (ROA) | -0.0078% | 5,935 |
| Pretax return on assets | -0.0078% | 5,879 |
| Return on Equity (ROE) | -0.0747% | 5,941 |
| Retained earnings to average equity (ytd only) | -4.5590% | 6,231 |
| Net charge-offs to loans | 1.5115% | 1,256 |
| Credit loss provision to net charge-offs | 75.7353% | 5,305 |
| Earnings coverage of net charge-offs (x) | 0.7500% | 4,978 |
| Efficiency ratio | 78.2284% | 3,311 |
| Assets per employee ($millions) | 3.8155% | 4,060 |
| Cash dividends to net income (ytd only)* | -6,000.0000% | 8,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 5,711 |
| Loan loss allowance to noncurrent loans | 95.4774% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 1.2468% | 4,441 |
| Noncurrent loans to loans | 1.1345% | 4,946 |
| Net loans and leases to total assets | 64.9625% | 4,768 |
| Net loans and leases to deposits | 75.7399% | 5,209 |
| Net loans and leases to core deposits | 98.4677% | 4,652 |
| Total domestic deposits to total assets | 85.7704% | 2,895 |
| Equity capital to assets | 9.6355% | 4,450 |
| Core capital (leverage) ratio | 10.2409% | 3,052 |
| Tier 1 risk-based capital ratio | 15.2038% | 2,934 |
| Total risk-based capital ratio | 16.2583% | 2,955 |
| Memoranda: | ||
| Average total assets | $51,595,670 | 6,767 |
| Average earning assets | $49,109,670 | 6,666 |
| Average equity | $5,352,000 | 6,947 |
| Average total loans | $35,990,670 | 6,404 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5793% | 4,470 |
| Cost of funding earning assets | 2.3213% | 2,610 |
| Net interest margin | 3.2581% | 5,665 |
| Noninterest income to average assets | 0.5919% | 3,610 |
| Noninterest expense to average assets | 2.6280% | 5,332 |
| Loan and lease loss provision to assets | 1.4600% | 864 |
| Net operating income to assets | -0.3946% | 6,779 |
| Return on assets (ROA) | -0.3946% | 6,853 |
| Pretax return on assets | -0.3946% | 6,741 |
| Return on Equity (ROE) | -3.6667% | 6,856 |
| Retained earnings to average equity (ytd only) | -8.0667% | 6,921 |
| Net charge-offs to loans | 2.4585% | 575 |
| Credit loss provision to net charge-offs | 82.5893% | 4,150 |
| Earnings coverage of net charge-offs (x) | 0.6027% | 4,515 |
| Efficiency ratio | 71.1538% | 4,334 |
| Assets per employee ($millions) | 3.7347% | 4,264 |
| Cash dividends to net income (ytd only)* | -120.0000% | 8,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 5,224 |
| Loan loss allowance to noncurrent loans | 139.3836% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.9601% | 4,797 |
| Noncurrent loans to loans | 0.8145% | 5,409 |
| Net loans and leases to total assets | 67.7906% | 4,186 |
| Net loans and leases to deposits | 79.7198% | 4,657 |
| Net loans and leases to core deposits | 100.6103% | 4,484 |
| Total domestic deposits to total assets | 85.0361% | 3,182 |
| Equity capital to assets | 10.4273% | 3,537 |
| Core capital (leverage) ratio | 10.4227% | 3,010 |
| Tier 1 risk-based capital ratio | 15.2152% | 2,962 |
| Total risk-based capital ratio | 16.3429% | 2,963 |
| Memoranda: | ||
| Average total assets | $50,685,000 | 6,834 |
| Average earning assets | $48,249,500 | 6,737 |
| Average equity | $5,454,500 | 6,963 |
| Average total loans | $36,445,500 | 6,417 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3394% | 3,732 |
| Cost of funding earning assets | 2.7818% | 2,780 |
| Net interest margin | 3.5576% | 5,066 |
| Noninterest income to average assets | 0.7229% | 2,961 |
| Noninterest expense to average assets | 2.8485% | 4,611 |
| Loan and lease loss provision to assets | 0.2986% | 3,989 |
| Net operating income to assets | 0.9289% | 2,880 |
| Return on assets (ROA) | 0.9289% | 2,737 |
| Pretax return on assets | 0.9289% | 3,627 |
| Return on Equity (ROE) | 8.3238% | 2,931 |
| Retained earnings to average equity (ytd only) | 1.1258% | 4,558 |
| Net charge-offs to loans | 0.2612% | 3,670 |
| Credit loss provision to net charge-offs | 162.9213% | 3,165 |
| Earnings coverage of net charge-offs (x) | 6.6966% | 3,299 |
| Efficiency ratio | 69.8838% | 4,376 |
| Assets per employee ($millions) | 3.5060% | 4,640 |
| Cash dividends to net income (ytd only)* | 86.4745% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 4,497 |
| Loan loss allowance to noncurrent loans | 86.2669% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.3080% | 3,606 |
| Noncurrent loans to loans | 1.3958% | 3,725 |
| Net loans and leases to total assets | 74.5518% | 2,975 |
| Net loans and leases to deposits | 86.4899% | 4,040 |
| Net loans and leases to core deposits | 102.3151% | 4,576 |
| Total domestic deposits to total assets | 86.1971% | 2,316 |
| Equity capital to assets | 11.1177% | 2,951 |
| Core capital (leverage) ratio | 11.1416% | 2,471 |
| Tier 1 risk-based capital ratio | 15.3362% | 2,907 |
| Total risk-based capital ratio | 16.5576% | 2,851 |
| Memoranda: | ||
| Average total assets | $48,552,200 | 6,838 |
| Average earning assets | $45,761,200 | 6,779 |
| Average equity | $5,418,200 | 7,011 |
| Average total loans | $34,073,200 | 6,483 |