Home > Ladysmith Federal Savings and Loan Association > Performance and Condition Ratios
Ladysmith Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1429% | 3,733 |
| Cost of funding earning assets | 0.9776% | 3,352 |
| Net interest margin | 3.1653% | 2,953 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.5298% | 2,218 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.5223% | 3,625 |
| Return on assets (ROA) | 0.4666% | 3,738 |
| Pretax return on assets | 0.5186% | 3,773 |
| Return on Equity (ROE) | 7.0700% | 3,263 |
| Retained earnings to average equity (ytd only) | 7.0684% | 1,878 |
| Net charge-offs to loans | 0.1114% | 845 |
| Credit loss provision to net charge-offs | 161.2903% | 1,399 |
| Earnings coverage of net charge-offs (x) | 9.1774% | 2,307 |
| Efficiency ratio | 78.2243% | 1,054 |
| Assets per employee ($millions) | 6.5427% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7522% | 4,049 |
| Loan loss allowance to noncurrent loans | 84.7015% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.9841% | 507 |
| Noncurrent loans to loans | 0.8881% | 850 |
| Net loans and leases to total assets | 70.4300% | 1,761 |
| Net loans and leases to deposits | 90.9120% | 1,188 |
| Net loans and leases to core deposits | 97.0167% | 1,596 |
| Total domestic deposits to total assets | 77.4700% | 3,790 |
| Equity capital to assets | 6.9061% | 3,972 |
| Core capital (leverage) ratio | 9.3221% | 3,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5237% | 1,177 |
| Memoranda: | ||
| Average total assets | $80,795,800 | 4,009 |
| Average earning assets | $73,136,400 | 4,000 |
| Average equity | $5,333,600 | 4,229 |
| Average total loans | $55,680,000 | 3,766 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0234% | 3,809 |
| Cost of funding earning assets | 0.8250% | 3,464 |
| Net interest margin | 3.1984% | 2,920 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.5836% | 1,988 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.5410% | 3,679 |
| Return on assets (ROA) | 0.4649% | 3,837 |
| Pretax return on assets | 0.5134% | 3,884 |
| Return on Equity (ROE) | 7.1300% | 3,394 |
| Retained earnings to average equity (ytd only) | 7.1301% | 2,242 |
| Net charge-offs to loans | 0.0416% | 1,290 |
| Credit loss provision to net charge-offs | 300.0000% | 887 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,718 |
| Efficiency ratio | 79.1091% | 917 |
| Assets per employee ($millions) | 6.3843% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7681% | 4,039 |
| Loan loss allowance to noncurrent loans | 62.4133% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.2314% | 358 |
| Noncurrent loans to loans | 1.2306% | 633 |
| Net loans and leases to total assets | 70.0500% | 1,821 |
| Net loans and leases to deposits | 85.8275% | 1,588 |
| Net loans and leases to core deposits | 91.6207% | 1,825 |
| Total domestic deposits to total assets | 81.6100% | 3,293 |
| Equity capital to assets | 5.8967% | 4,030 |
| Core capital (leverage) ratio | 9.6170% | 3,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9765% | 1,107 |
| Memoranda: | ||
| Average total assets | $79,731,000 | 4,031 |
| Average earning assets | $72,077,000 | 4,031 |
| Average equity | $5,198,500 | 4,256 |
| Average total loans | $54,511,250 | 3,785 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8778% | 3,909 |
| Cost of funding earning assets | 0.7341% | 3,393 |
| Net interest margin | 3.1437% | 3,124 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.6576% | 1,760 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.4718% | 3,871 |
| Return on assets (ROA) | 0.3586% | 4,096 |
| Pretax return on assets | 0.4044% | 4,113 |
| Return on Equity (ROE) | 5.3200% | 3,835 |
| Retained earnings to average equity (ytd only) | 5.3208% | 2,854 |
| Net charge-offs to loans | 0.0075% | 1,944 |
| Credit loss provision to net charge-offs | 1,200.0000% | 356 |
| Earnings coverage of net charge-offs (x) | 116.5000% | 862 |
| Efficiency ratio | 81.7684% | 725 |
| Assets per employee ($millions) | 6.6547% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7989% | 4,028 |
| Loan loss allowance to noncurrent loans | 203.7209% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 826 |
| Noncurrent loans to loans | 0.3921% | 1,751 |
| Net loans and leases to total assets | 68.1100% | 1,948 |
| Net loans and leases to deposits | 79.5138% | 2,013 |
| Net loans and leases to core deposits | 85.1531% | 2,138 |
| Total domestic deposits to total assets | 85.6600% | 2,343 |
| Equity capital to assets | 6.6933% | 3,914 |
| Core capital (leverage) ratio | 9.6593% | 3,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1211% | 940 |
| Memoranda: | ||
| Average total assets | $78,642,667 | 4,059 |
| Average earning assets | $71,380,667 | 4,059 |
| Average equity | $5,300,000 | 4,270 |
| Average total loans | $53,152,667 | 3,819 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6533% | 4,096 |
| Cost of funding earning assets | 0.6014% | 3,382 |
| Net interest margin | 3.0519% | 3,457 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.7321% | 1,590 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.3076% | 4,240 |
| Return on assets (ROA) | 0.3076% | 4,201 |
| Pretax return on assets | 0.3588% | 4,194 |
| Return on Equity (ROE) | 4.5500% | 3,946 |
| Retained earnings to average equity (ytd only) | 4.5476% | 3,120 |
| Net charge-offs to loans | 0.0153% | 1,394 |
| Credit loss provision to net charge-offs | 600.0000% | 496 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,181 |
| Efficiency ratio | 86.6667% | 482 |
| Assets per employee ($millions) | 6.0351% | 2,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8092% | 4,069 |
| Loan loss allowance to noncurrent loans | 99.3007% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.9305% | 465 |
| Noncurrent loans to loans | 0.8149% | 937 |
| Net loans and leases to total assets | 66.5600% | 2,002 |
| Net loans and leases to deposits | 75.2276% | 2,185 |
| Net loans and leases to core deposits | 80.4511% | 2,225 |
| Total domestic deposits to total assets | 88.4800% | 1,747 |
| Equity capital to assets | 6.9236% | 3,867 |
| Core capital (leverage) ratio | 9.6140% | 3,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5142% | 907 |
| Memoranda: | ||
| Average total assets | $78,036,000 | 4,128 |
| Average earning assets | $71,168,000 | 4,122 |
| Average equity | $5,277,500 | 4,323 |
| Average total loans | $52,315,500 | 3,873 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3629% | 3,439 |
| Cost of funding earning assets | 0.6070% | 874 |
| Net interest margin | 2.7559% | 3,968 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.4627% | 2,231 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.4357% | 4,199 |
| Return on assets (ROA) | 0.4357% | 4,162 |
| Pretax return on assets | 0.5094% | 4,162 |
| Return on Equity (ROE) | 5.9900% | 3,827 |
| Retained earnings to average equity (ytd only) | 5.9907% | 2,652 |
| Net charge-offs to loans | 0.0661% | 984 |
| Credit loss provision to net charge-offs | 63.6364% | 1,756 |
| Earnings coverage of net charge-offs (x) | 12.3636% | 2,113 |
| Efficiency ratio | 82.0974% | 590 |
| Assets per employee ($millions) | 5.9705% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8002% | 4,028 |
| Loan loss allowance to noncurrent loans | 87.5789% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.9998% | 433 |
| Noncurrent loans to loans | 0.9137% | 814 |
| Net loans and leases to total assets | 66.4400% | 1,990 |
| Net loans and leases to deposits | 73.2327% | 2,313 |
| Net loans and leases to core deposits | 78.3212% | 2,252 |
| Total domestic deposits to total assets | 90.7300% | 1,049 |
| Equity capital to assets | 6.6004% | 3,862 |
| Core capital (leverage) ratio | 9.3830% | 3,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3954% | 912 |
| Memoranda: | ||
| Average total assets | $75,974,200 | 4,170 |
| Average earning assets | $70,177,400 | 4,154 |
| Average equity | $5,525,200 | 4,383 |
| Average total loans | $49,887,200 | 3,892 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2762% | 3,247 |
| Cost of funding earning assets | 0.6149% | 400 |
| Net interest margin | 2.6613% | 4,004 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.4191% | 2,259 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4058% | 4,234 |
| Return on assets (ROA) | 0.4058% | 4,174 |
| Pretax return on assets | 0.4729% | 4,182 |
| Return on Equity (ROE) | 5.4500% | 3,895 |
| Retained earnings to average equity (ytd only) | 5.4510% | 2,938 |
| Net charge-offs to loans | 0.0297% | 1,238 |
| Credit loss provision to net charge-offs | 9.0909% | 1,663 |
| Earnings coverage of net charge-offs (x) | 24.4545% | 1,627 |
| Efficiency ratio | 83.5976% | 571 |
| Assets per employee ($millions) | 6.4608% | 2,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8232% | 4,035 |
| Loan loss allowance to noncurrent loans | 118.4659% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.8423% | 588 |
| Noncurrent loans to loans | 0.6948% | 1,175 |
| Net loans and leases to total assets | 64.8000% | 2,003 |
| Net loans and leases to deposits | 69.3730% | 2,425 |
| Net loans and leases to core deposits | 74.6305% | 2,305 |
| Total domestic deposits to total assets | 93.4100% | 474 |
| Equity capital to assets | 5.8764% | 4,009 |
| Core capital (leverage) ratio | 9.2172% | 3,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6482% | 902 |
| Memoranda: | ||
| Average total assets | $75,563,750 | 4,208 |
| Average earning assets | $70,038,000 | 4,192 |
| Average equity | $5,625,750 | 4,403 |
| Average total loans | $49,362,750 | 3,922 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1931% | 3,067 |
| Cost of funding earning assets | 0.6599% | 197 |
| Net interest margin | 2.5333% | 4,028 |
| Noninterest income to average assets | 0.4592% | 2,401 |
| Noninterest expense to average assets | 2.4403% | 2,111 |
| Loan and lease loss provision to assets | 0.0027% | 2,561 |
| Net operating income to assets | 0.3311% | 4,232 |
| Return on assets (ROA) | 0.3311% | 4,187 |
| Pretax return on assets | 0.3738% | 4,200 |
| Return on Equity (ROE) | 4.1455% | 4,001 |
| Retained earnings to average equity (ytd only) | 4.1455% | 3,033 |
| Net charge-offs to loans | 0.0409% | 978 |
| Credit loss provision to net charge-offs | 10.0000% | 1,631 |
| Earnings coverage of net charge-offs (x) | 14.1000% | 1,668 |
| Efficiency ratio | 86.6351% | 556 |
| Assets per employee ($millions) | 6.3070% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 4,010 |
| Loan loss allowance to noncurrent loans | 158.7121% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.7465% | 706 |
| Noncurrent loans to loans | 0.5533% | 1,507 |
| Net loans and leases to total assets | 62.4927% | 2,067 |
| Net loans and leases to deposits | 67.5758% | 2,427 |
| Net loans and leases to core deposits | 74.4940% | 2,128 |
| Total domestic deposits to total assets | 92.4779% | 661 |
| Equity capital to assets | 6.8033% | 3,873 |
| Core capital (leverage) ratio | 9.1511% | 3,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6527% | 762 |
| Memoranda: | ||
| Average total assets | $74,908,333 | 4,263 |
| Average earning assets | $69,712,333 | 4,251 |
| Average equity | $5,982,333 | 4,413 |
| Average total loans | $48,930,667 | 3,975 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2886% | 2,419 |
| Cost of funding earning assets | 0.6941% | 155 |
| Net interest margin | 2.5944% | 3,671 |
| Noninterest income to average assets | 0.3972% | 2,708 |
| Noninterest expense to average assets | 2.4101% | 2,126 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3865% | 3,985 |
| Return on assets (ROA) | 0.3865% | 3,950 |
| Pretax return on assets | 0.4348% | 3,975 |
| Return on Equity (ROE) | 4.5007% | 3,762 |
| Retained earnings to average equity (ytd only) | 4.5007% | 2,782 |
| Net charge-offs to loans | 0.1534% | 383 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 4.2632% | 1,630 |
| Efficiency ratio | 84.7170% | 803 |
| Assets per employee ($millions) | 6.7723% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8443% | 4,162 |
| Loan loss allowance to noncurrent loans | 308.2707% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 1,013 |
| Noncurrent loans to loans | 0.2739% | 2,494 |
| Net loans and leases to total assets | 64.6379% | 1,541 |
| Net loans and leases to deposits | 70.7369% | 1,888 |
| Net loans and leases to core deposits | 78.5130% | 1,575 |
| Total domestic deposits to total assets | 91.3779% | 859 |
| Equity capital to assets | 8.0193% | 3,553 |
| Core capital (leverage) ratio | 9.0857% | 3,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4851% | 828 |
| Memoranda: | ||
| Average total assets | $74,520,500 | 4,291 |
| Average earning assets | $70,304,500 | 4,262 |
| Average equity | $6,399,000 | 4,421 |
| Average total loans | $49,538,000 | 3,979 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6222% | 2,325 |
| Cost of funding earning assets | 0.8442% | 159 |
| Net interest margin | 2.7780% | 3,718 |
| Noninterest income to average assets | 0.6395% | 1,991 |
| Noninterest expense to average assets | 2.1725% | 3,168 |
| Loan and lease loss provision to assets | 0.0521% | 2,013 |
| Net operating income to assets | 0.7064% | 3,610 |
| Return on assets (ROA) | 0.6590% | 3,779 |
| Pretax return on assets | 0.8622% | 3,592 |
| Return on Equity (ROE) | 7.4914% | 3,375 |
| Retained earnings to average equity (ytd only) | 7.4914% | 1,725 |
| Net charge-offs to loans | 0.0838% | 966 |
| Credit loss provision to net charge-offs | 95.2381% | 1,848 |
| Earnings coverage of net charge-offs (x) | 17.8095% | 1,929 |
| Efficiency ratio | 69.0397% | 1,854 |
| Assets per employee ($millions) | 6.2122% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 4,182 |
| Loan loss allowance to noncurrent loans | 337.0079% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 1,152 |
| Noncurrent loans to loans | 0.2514% | 2,722 |
| Net loans and leases to total assets | 67.1880% | 1,348 |
| Net loans and leases to deposits | 74.3083% | 1,704 |
| Net loans and leases to core deposits | 81.8747% | 1,469 |
| Total domestic deposits to total assets | 90.4180% | 757 |
| Equity capital to assets | 9.1541% | 3,457 |
| Core capital (leverage) ratio | 8.5259% | 3,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0135% | 893 |
| Memoranda: | ||
| Average total assets | $76,777,800 | 4,260 |
| Average earning assets | $69,294,600 | 4,267 |
| Average equity | $6,754,400 | 4,450 |
| Average total loans | $50,124,800 | 3,992 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7469% | 2,155 |
| Cost of funding earning assets | 0.8283% | 215 |
| Net interest margin | 2.9186% | 3,512 |
| Noninterest income to average assets | 0.6120% | 2,166 |
| Noninterest expense to average assets | 2.1585% | 3,198 |
| Loan and lease loss provision to assets | 0.0517% | 1,956 |
| Net operating income to assets | 0.7620% | 3,620 |
| Return on assets (ROA) | 0.7620% | 3,683 |
| Pretax return on assets | 0.9896% | 3,493 |
| Return on Equity (ROE) | 8.7475% | 3,184 |
| Retained earnings to average equity (ytd only) | 8.7475% | 1,785 |
| Net charge-offs to loans | 0.0533% | 1,121 |
| Credit loss provision to net charge-offs | 150.0000% | 1,357 |
| Earnings coverage of net charge-offs (x) | 30.2000% | 1,519 |
| Efficiency ratio | 67.4569% | 1,902 |
| Assets per employee ($millions) | 6.6365% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8861% | 4,186 |
| Loan loss allowance to noncurrent loans | 203.7037% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 988 |
| Noncurrent loans to loans | 0.4350% | 2,254 |
| Net loans and leases to total assets | 61.7959% | 2,029 |
| Net loans and leases to deposits | 73.1868% | 1,941 |
| Net loans and leases to core deposits | 81.6515% | 1,600 |
| Total domestic deposits to total assets | 84.4358% | 3,324 |
| Equity capital to assets | 8.5135% | 4,204 |
| Core capital (leverage) ratio | 8.4131% | 4,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4342% | 1,059 |
| Memoranda: | ||
| Average total assets | $77,335,750 | 4,312 |
| Average earning assets | $68,570,000 | 4,335 |
| Average equity | $6,737,000 | 4,515 |
| Average total loans | $50,027,500 | 4,055 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0063% | 1,551 |
| Cost of funding earning assets | 0.8461% | 233 |
| Net interest margin | 3.1602% | 2,871 |
| Noninterest income to average assets | 0.6191% | 2,134 |
| Noninterest expense to average assets | 2.1784% | 3,161 |
| Loan and lease loss provision to assets | 0.0522% | 1,988 |
| Net operating income to assets | 0.8907% | 3,248 |
| Return on assets (ROA) | 0.8907% | 3,322 |
| Pretax return on assets | 1.1493% | 3,059 |
| Return on Equity (ROE) | 10.1448% | 2,699 |
| Retained earnings to average equity (ytd only) | 10.1448% | 1,357 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4513% | 2,370 |
| Assets per employee ($millions) | 6.6017% | 2,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8789% | 4,213 |
| Loan loss allowance to noncurrent loans | 209.3023% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.6514% | 1,278 |
| Noncurrent loans to loans | 0.4199% | 2,422 |
| Net loans and leases to total assets | 64.0596% | 1,940 |
| Net loans and leases to deposits | 76.7073% | 1,752 |
| Net loans and leases to core deposits | 85.7114% | 1,441 |
| Total domestic deposits to total assets | 83.5117% | 3,571 |
| Equity capital to assets | 8.6859% | 4,062 |
| Core capital (leverage) ratio | 8.8031% | 3,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0904% | 1,098 |
| Memoranda: | ||
| Average total assets | $76,568,333 | 4,342 |
| Average earning assets | $66,894,000 | 4,384 |
| Average equity | $6,722,667 | 4,540 |
| Average total loans | $50,152,333 | 4,083 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0263% | 1,556 |
| Cost of funding earning assets | 0.8548% | 274 |
| Net interest margin | 3.1715% | 2,780 |
| Noninterest income to average assets | 0.7230% | 1,795 |
| Noninterest expense to average assets | 2.3178% | 2,731 |
| Loan and lease loss provision to assets | 0.0532% | 2,044 |
| Net operating income to assets | 0.8240% | 3,343 |
| Return on assets (ROA) | 0.8240% | 3,422 |
| Pretax return on assets | 1.0739% | 3,180 |
| Return on Equity (ROE) | 9.3324% | 2,915 |
| Retained earnings to average equity (ytd only) | 9.3324% | 1,852 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2840% | 2,032 |
| Assets per employee ($millions) | 6.9975% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 4,177 |
| Loan loss allowance to noncurrent loans | 190.4762% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.8886% | 977 |
| Noncurrent loans to loans | 0.4681% | 2,451 |
| Net loans and leases to total assets | 63.5379% | 2,099 |
| Net loans and leases to deposits | 75.4051% | 1,974 |
| Net loans and leases to core deposits | 82.5254% | 1,799 |
| Total domestic deposits to total assets | 84.2620% | 3,352 |
| Equity capital to assets | 8.6368% | 4,010 |
| Core capital (leverage) ratio | 8.8450% | 3,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3136% | 1,024 |
| Memoranda: | ||
| Average total assets | $75,242,500 | 4,375 |
| Average earning assets | $64,575,000 | 4,429 |
| Average equity | $6,643,500 | 4,567 |
| Average total loans | $49,629,500 | 4,112 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3282% | 1,775 |
| Cost of funding earning assets | 1.0829% | 431 |
| Net interest margin | 3.2453% | 3,230 |
| Noninterest income to average assets | 0.7509% | 1,686 |
| Noninterest expense to average assets | 2.6206% | 2,484 |
| Loan and lease loss provision to assets | 0.3072% | 1,219 |
| Net operating income to assets | 0.6082% | 3,728 |
| Return on assets (ROA) | 0.6082% | 3,848 |
| Pretax return on assets | 0.7572% | 3,747 |
| Return on Equity (ROE) | 6.1816% | 3,522 |
| Retained earnings to average equity (ytd only) | 6.1816% | 1,719 |
| Net charge-offs to loans | 0.0568% | 1,964 |
| Credit loss provision to net charge-offs | 761.5385% | 944 |
| Earnings coverage of net charge-offs (x) | 26.3846% | 1,720 |
| Efficiency ratio | 71.1158% | 1,793 |
| Assets per employee ($millions) | 6.6829% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8615% | 4,294 |
| Loan loss allowance to noncurrent loans | 154.1219% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 1.0257% | 919 |
| Noncurrent loans to loans | 0.5590% | 2,304 |
| Net loans and leases to total assets | 67.3115% | 1,916 |
| Net loans and leases to deposits | 82.7555% | 1,574 |
| Net loans and leases to core deposits | 92.5191% | 1,341 |
| Total domestic deposits to total assets | 81.3377% | 3,797 |
| Equity capital to assets | 9.0312% | 4,023 |
| Core capital (leverage) ratio | 8.9770% | 3,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7099% | 1,105 |
| Memoranda: | ||
| Average total assets | $64,452,000 | 4,454 |
| Average earning assets | $58,269,600 | 4,463 |
| Average equity | $6,341,400 | 4,602 |
| Average total loans | $45,767,200 | 4,191 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5616% | 1,420 |
| Cost of funding earning assets | 1.1422% | 454 |
| Net interest margin | 3.4194% | 2,853 |
| Noninterest income to average assets | 0.7440% | 1,666 |
| Noninterest expense to average assets | 2.7143% | 2,217 |
| Loan and lease loss provision to assets | 0.3650% | 1,019 |
| Net operating income to assets | 0.6132% | 3,722 |
| Return on assets (ROA) | 0.6132% | 3,819 |
| Pretax return on assets | 0.7718% | 3,724 |
| Return on Equity (ROE) | 6.0846% | 3,528 |
| Retained earnings to average equity (ytd only) | 6.0846% | 2,069 |
| Net charge-offs to loans | 0.0775% | 1,536 |
| Credit loss provision to net charge-offs | 653.8462% | 1,113 |
| Earnings coverage of net charge-offs (x) | 20.3846% | 1,900 |
| Efficiency ratio | 70.4900% | 1,821 |
| Assets per employee ($millions) | 5.7785% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8048% | 4,355 |
| Loan loss allowance to noncurrent loans | 132.6733% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 1.1335% | 918 |
| Noncurrent loans to loans | 0.6066% | 2,284 |
| Net loans and leases to total assets | 71.4545% | 1,751 |
| Net loans and leases to deposits | 86.1120% | 1,691 |
| Net loans and leases to core deposits | 96.3819% | 1,425 |
| Total domestic deposits to total assets | 82.9786% | 3,150 |
| Equity capital to assets | 9.3955% | 3,771 |
| Core capital (leverage) ratio | 9.0859% | 3,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2219% | 1,019 |
| Memoranda: | ||
| Average total assets | $62,187,000 | 4,501 |
| Average earning assets | $56,499,500 | 4,507 |
| Average equity | $6,267,000 | 4,632 |
| Average total loans | $44,731,000 | 4,232 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7005% | 1,403 |
| Cost of funding earning assets | 1.2012% | 503 |
| Net interest margin | 3.4994% | 2,787 |
| Noninterest income to average assets | 0.8327% | 1,339 |
| Noninterest expense to average assets | 2.7524% | 2,205 |
| Loan and lease loss provision to assets | 0.5017% | 712 |
| Net operating income to assets | 0.5752% | 3,816 |
| Return on assets (ROA) | 0.5752% | 3,893 |
| Pretax return on assets | 0.7257% | 3,810 |
| Return on Equity (ROE) | 5.5624% | 3,646 |
| Retained earnings to average equity (ytd only) | 5.5624% | 2,254 |
| Net charge-offs to loans | 0.0465% | 1,821 |
| Credit loss provision to net charge-offs | 1,500.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 36.7000% | 1,303 |
| Efficiency ratio | 69.1597% | 2,065 |
| Assets per employee ($millions) | 5.5393% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8696% | 4,123 |
| Loan loss allowance to noncurrent loans | 131.3531% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 1.4969% | 622 |
| Noncurrent loans to loans | 0.6620% | 2,207 |
| Net loans and leases to total assets | 68.2573% | 2,307 |
| Net loans and leases to deposits | 81.6763% | 2,237 |
| Net loans and leases to core deposits | 90.8203% | 2,001 |
| Total domestic deposits to total assets | 83.5705% | 2,898 |
| Equity capital to assets | 9.5875% | 3,577 |
| Core capital (leverage) ratio | 9.9743% | 2,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,802,000 | 4,547 |
| Average earning assets | $53,781,000 | 4,555 |
| Average equity | $6,184,333 | 4,664 |
| Average total loans | $42,991,333 | 4,291 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4899% | 2,336 |
| Cost of funding earning assets | 1.2872% | 584 |
| Net interest margin | 3.2026% | 3,847 |
| Noninterest income to average assets | 0.3896% | 3,170 |
| Noninterest expense to average assets | 2.9398% | 2,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3259% | 4,295 |
| Return on assets (ROA) | 0.3259% | 4,321 |
| Pretax return on assets | 0.3754% | 4,338 |
| Return on Equity (ROE) | 3.0213% | 4,215 |
| Retained earnings to average equity (ytd only) | 3.0213% | 3,076 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6752% | 551 |
| Assets per employee ($millions) | 4.3901% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6166% | 4,736 |
| Loan loss allowance to noncurrent loans | 154.4910% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 1.6120% | 632 |
| Noncurrent loans to loans | 0.3991% | 3,060 |
| Net loans and leases to total assets | 72.8689% | 1,790 |
| Net loans and leases to deposits | 82.3195% | 2,415 |
| Net loans and leases to core deposits | 94.5138% | 1,921 |
| Total domestic deposits to total assets | 88.5196% | 876 |
| Equity capital to assets | 10.7585% | 3,090 |
| Core capital (leverage) ratio | 10.5015% | 2,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4725% | 804 |
| Memoranda: | ||
| Average total assets | $56,467,000 | 4,604 |
| Average earning assets | $51,583,000 | 4,609 |
| Average equity | $6,090,000 | 4,711 |
| Average total loans | $41,602,000 | 4,336 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9117% | 1,721 |
| Cost of funding earning assets | 1.1387% | 1,196 |
| Net interest margin | 3.7730% | 2,593 |
| Noninterest income to average assets | 0.3937% | 3,330 |
| Noninterest expense to average assets | 3.0539% | 1,867 |
| Loan and lease loss provision to assets | 0.1356% | 1,575 |
| Net operating income to assets | 0.5897% | 4,194 |
| Return on assets (ROA) | 0.5897% | 4,250 |
| Pretax return on assets | 0.7498% | 4,084 |
| Return on Equity (ROE) | 5.3882% | 4,110 |
| Retained earnings to average equity (ytd only) | 5.3882% | 2,231 |
| Net charge-offs to loans | 0.6540% | 271 |
| Credit loss provision to net charge-offs | 27.9070% | 3,286 |
| Earnings coverage of net charge-offs (x) | 1.8217% | 3,488 |
| Efficiency ratio | 77.5227% | 1,202 |
| Assets per employee ($millions) | 4.6553% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6238% | 4,700 |
| Loan loss allowance to noncurrent loans | 255.4455% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 1.7650% | 505 |
| Noncurrent loans to loans | 0.2442% | 3,571 |
| Net loans and leases to total assets | 73.5746% | 1,823 |
| Net loans and leases to deposits | 83.0474% | 2,435 |
| Net loans and leases to core deposits | 95.6972% | 1,925 |
| Total domestic deposits to total assets | 88.5935% | 845 |
| Equity capital to assets | 10.8122% | 3,170 |
| Core capital (leverage) ratio | 10.8630% | 2,627 |
| Tier 1 risk-based capital ratio | 19.5843% | 1,395 |
| Total risk-based capital ratio | 20.4369% | 1,448 |
| Memoranda: | ||
| Average total assets | $53,080,000 | 4,695 |
| Average earning assets | $49,881,200 | 4,674 |
| Average equity | $5,809,000 | 4,784 |
| Average total loans | $39,450,800 | 4,415 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7109% | 2,383 |
| Cost of funding earning assets | 1.0391% | 1,586 |
| Net interest margin | 3.6718% | 3,021 |
| Noninterest income to average assets | 0.4149% | 3,228 |
| Noninterest expense to average assets | 2.9194% | 2,199 |
| Loan and lease loss provision to assets | 0.0560% | 2,790 |
| Net operating income to assets | 0.7127% | 3,970 |
| Return on assets (ROA) | 0.7127% | 4,043 |
| Pretax return on assets | 0.9112% | 3,838 |
| Return on Equity (ROE) | 6.4911% | 3,886 |
| Retained earnings to average equity (ytd only) | 6.4911% | 2,123 |
| Net charge-offs to loans | 0.0890% | 1,578 |
| Credit loss provision to net charge-offs | 84.6154% | 2,447 |
| Earnings coverage of net charge-offs (x) | 14.6135% | 2,239 |
| Efficiency ratio | 75.1146% | 1,435 |
| Assets per employee ($millions) | 4.0974% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 3,113 |
| Loan loss allowance to noncurrent loans | 109.4527% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 2.2566% | 338 |
| Noncurrent loans to loans | 0.9899% | 1,617 |
| Net loans and leases to total assets | 75.4121% | 1,582 |
| Net loans and leases to deposits | 86.9722% | 2,064 |
| Net loans and leases to core deposits | 98.2680% | 1,805 |
| Total domestic deposits to total assets | 86.7082% | 1,677 |
| Equity capital to assets | 11.2924% | 2,841 |
| Core capital (leverage) ratio | 11.1428% | 2,521 |
| Tier 1 risk-based capital ratio | 19.9594% | 1,365 |
| Total risk-based capital ratio | 21.2123% | 1,338 |
| Memoranda: | ||
| Average total assets | $52,384,250 | 4,783 |
| Average earning assets | $49,529,750 | 4,746 |
| Average equity | $5,751,250 | 4,851 |
| Average total loans | $38,973,750 | 4,483 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7698% | 2,162 |
| Cost of funding earning assets | 1.1154% | 1,241 |
| Net interest margin | 3.6544% | 3,092 |
| Noninterest income to average assets | 0.2918% | 3,989 |
| Noninterest expense to average assets | 2.8412% | 2,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7257% | 3,917 |
| Return on assets (ROA) | 0.7257% | 3,978 |
| Pretax return on assets | 0.9100% | 3,818 |
| Return on Equity (ROE) | 6.6745% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.6745% | 1,964 |
| Net charge-offs to loans | 0.1353% | 1,117 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 9.1154% | 2,358 |
| Efficiency ratio | 75.7421% | 1,430 |
| Assets per employee ($millions) | 4.3553% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 3,253 |
| Loan loss allowance to noncurrent loans | 122.9412% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 2.1812% | 391 |
| Noncurrent loans to loans | 0.8677% | 1,867 |
| Net loans and leases to total assets | 74.1696% | 1,863 |
| Net loans and leases to deposits | 87.3653% | 2,075 |
| Net loans and leases to core deposits | 95.6475% | 2,107 |
| Total domestic deposits to total assets | 84.8959% | 2,527 |
| Equity capital to assets | 11.2047% | 2,848 |
| Core capital (leverage) ratio | 11.1169% | 2,493 |
| Tier 1 risk-based capital ratio | 20.4425% | 1,267 |
| Total risk-based capital ratio | 21.6930% | 1,231 |
| Memoranda: | ||
| Average total assets | $52,090,330 | 4,819 |
| Average earning assets | $49,310,000 | 4,783 |
| Average equity | $5,663,330 | 4,892 |
| Average total loans | $38,428,670 | 4,535 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5671% | 2,642 |
| Cost of funding earning assets | 1.1438% | 1,060 |
| Net interest margin | 3.4233% | 3,827 |
| Noninterest income to average assets | 0.3076% | 3,815 |
| Noninterest expense to average assets | 2.6764% | 2,975 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6922% | 3,966 |
| Return on assets (ROA) | 0.6922% | 4,005 |
| Pretax return on assets | 0.8767% | 3,836 |
| Return on Equity (ROE) | 6.4586% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.4586% | 2,258 |
| Net charge-offs to loans | 0.2838% | 522 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.2222% | 2,341 |
| Efficiency ratio | 75.3247% | 1,573 |
| Assets per employee ($millions) | 4.3669% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 3,181 |
| Loan loss allowance to noncurrent loans | 122.6471% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 2.1239% | 428 |
| Noncurrent loans to loans | 0.8895% | 1,875 |
| Net loans and leases to total assets | 72.1485% | 2,129 |
| Net loans and leases to deposits | 82.3022% | 2,582 |
| Net loans and leases to core deposits | 93.3900% | 2,180 |
| Total domestic deposits to total assets | 87.6629% | 1,489 |
| Equity capital to assets | 10.8333% | 3,014 |
| Core capital (leverage) ratio | 11.0812% | 2,496 |
| Tier 1 risk-based capital ratio | 19.8163% | 1,370 |
| Total risk-based capital ratio | 21.0674% | 1,348 |
| Memoranda: | ||
| Average total assets | $52,010,500 | 4,873 |
| Average earning assets | $49,309,000 | 4,837 |
| Average equity | $5,574,000 | 4,948 |
| Average total loans | $38,059,000 | 4,594 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4171% | 2,708 |
| Cost of funding earning assets | 0.9725% | 835 |
| Net interest margin | 3.4447% | 3,867 |
| Noninterest income to average assets | 0.2813% | 4,217 |
| Noninterest expense to average assets | 2.6032% | 3,325 |
| Loan and lease loss provision to assets | 0.3201% | 501 |
| Net operating income to assets | 0.5037% | 4,655 |
| Return on assets (ROA) | 0.4830% | 4,696 |
| Pretax return on assets | 0.5897% | 4,650 |
| Return on Equity (ROE) | 4.6214% | 4,556 |
| Retained earnings to average equity (ytd only) | 4.6214% | 2,983 |
| Net charge-offs to loans | 0.1361% | 1,392 |
| Credit loss provision to net charge-offs | 336.7347% | 927 |
| Earnings coverage of net charge-offs (x) | 9.8367% | 2,778 |
| Efficiency ratio | 73.5746% | 1,690 |
| Assets per employee ($millions) | 4.3015% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 2,715 |
| Loan loss allowance to noncurrent loans | 103.4965% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 2.3035% | 359 |
| Noncurrent loans to loans | 1.1321% | 1,415 |
| Net loans and leases to total assets | 72.5503% | 2,167 |
| Net loans and leases to deposits | 82.9141% | 2,628 |
| Net loans and leases to core deposits | 93.4729% | 2,274 |
| Total domestic deposits to total assets | 87.5005% | 1,535 |
| Equity capital to assets | 10.5990% | 3,081 |
| Core capital (leverage) ratio | 10.6454% | 2,894 |
| Tier 1 risk-based capital ratio | 18.1204% | 1,725 |
| Total risk-based capital ratio | 19.3696% | 1,683 |
| Memoranda: | ||
| Average total assets | $51,551,000 | 4,905 |
| Average earning assets | $48,742,000 | 4,879 |
| Average equity | $5,388,000 | 4,989 |
| Average total loans | $36,010,400 | 4,662 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3268% | 2,859 |
| Cost of funding earning assets | 0.9180% | 853 |
| Net interest margin | 3.4089% | 3,982 |
| Noninterest income to average assets | 0.2768% | 4,301 |
| Noninterest expense to average assets | 2.5976% | 3,284 |
| Loan and lease loss provision to assets | 0.1423% | 1,403 |
| Net operating income to assets | 0.6028% | 4,495 |
| Return on assets (ROA) | 0.6028% | 4,505 |
| Pretax return on assets | 0.7555% | 4,415 |
| Return on Equity (ROE) | 5.7881% | 4,328 |
| Retained earnings to average equity (ytd only) | 5.7881% | 2,764 |
| Net charge-offs to loans | 0.2326% | 734 |
| Credit loss provision to net charge-offs | 88.7097% | 2,437 |
| Earnings coverage of net charge-offs (x) | 5.5971% | 2,952 |
| Efficiency ratio | 74.3153% | 1,543 |
| Assets per employee ($millions) | 4.3927% | 3,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8708% | 4,368 |
| Loan loss allowance to noncurrent loans | 65.9138% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 2.2613% | 426 |
| Noncurrent loans to loans | 1.3212% | 1,260 |
| Net loans and leases to total assets | 69.3201% | 2,754 |
| Net loans and leases to deposits | 78.8690% | 3,160 |
| Net loans and leases to core deposits | 92.9345% | 2,398 |
| Total domestic deposits to total assets | 87.8927% | 1,286 |
| Equity capital to assets | 10.2899% | 3,343 |
| Core capital (leverage) ratio | 10.7101% | 2,874 |
| Tier 1 risk-based capital ratio | 20.1450% | 1,308 |
| Total risk-based capital ratio | 21.2973% | 1,292 |
| Memoranda: | ||
| Average total assets | $51,534,250 | 4,962 |
| Average earning assets | $48,656,250 | 4,939 |
| Average equity | $5,367,250 | 5,049 |
| Average total loans | $35,539,750 | 4,721 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2543% | 2,928 |
| Cost of funding earning assets | 0.8766% | 806 |
| Net interest margin | 3.3777% | 4,025 |
| Noninterest income to average assets | 0.3050% | 4,134 |
| Noninterest expense to average assets | 2.6945% | 3,035 |
| Loan and lease loss provision to assets | 0.0196% | 3,509 |
| Net operating income to assets | 0.6140% | 4,452 |
| Return on assets (ROA) | 0.6140% | 4,458 |
| Pretax return on assets | 0.7704% | 4,337 |
| Return on Equity (ROE) | 5.8710% | 4,284 |
| Retained earnings to average equity (ytd only) | 5.8710% | 2,625 |
| Net charge-offs to loans | 0.0285% | 2,285 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 40.4000% | 1,286 |
| Efficiency ratio | 77.3288% | 1,271 |
| Assets per employee ($millions) | 4.7987% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8906% | 4,378 |
| Loan loss allowance to noncurrent loans | 51.5723% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 2.3131% | 400 |
| Noncurrent loans to loans | 1.7269% | 920 |
| Net loans and leases to total assets | 69.1509% | 2,697 |
| Net loans and leases to deposits | 78.6495% | 3,093 |
| Net loans and leases to core deposits | 93.2529% | 2,286 |
| Total domestic deposits to total assets | 87.9229% | 1,424 |
| Equity capital to assets | 10.1769% | 3,458 |
| Core capital (leverage) ratio | 10.7241% | 2,776 |
| Tier 1 risk-based capital ratio | 19.6598% | 1,390 |
| Total risk-based capital ratio | 20.8246% | 1,374 |
| Memoranda: | ||
| Average total assets | $51,141,670 | 5,027 |
| Average earning assets | $48,139,670 | 5,001 |
| Average equity | $5,348,330 | 5,102 |
| Average total loans | $35,099,330 | 4,779 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2995% | 2,510 |
| Cost of funding earning assets | 0.8599% | 726 |
| Net interest margin | 3.4396% | 3,740 |
| Noninterest income to average assets | 0.4134% | 3,368 |
| Noninterest expense to average assets | 2.7902% | 2,726 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6518% | 4,272 |
| Return on assets (ROA) | 0.6518% | 4,279 |
| Pretax return on assets | 0.8347% | 4,071 |
| Return on Equity (ROE) | 6.1464% | 4,109 |
| Retained earnings to average equity (ytd only) | 6.1464% | 2,646 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9737% | 1,466 |
| Assets per employee ($millions) | 4.1752% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 4,167 |
| Loan loss allowance to noncurrent loans | 59.4203% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.5109% | 367 |
| Noncurrent loans to loans | 1.6177% | 1,074 |
| Net loans and leases to total assets | 67.4504% | 2,830 |
| Net loans and leases to deposits | 76.4795% | 3,160 |
| Net loans and leases to core deposits | 88.8965% | 2,556 |
| Total domestic deposits to total assets | 88.1941% | 1,508 |
| Equity capital to assets | 10.6383% | 2,938 |
| Core capital (leverage) ratio | 10.9694% | 2,472 |
| Tier 1 risk-based capital ratio | 20.3162% | 1,291 |
| Total risk-based capital ratio | 21.5365% | 1,271 |
| Memoranda: | ||
| Average total assets | $50,319,500 | 5,105 |
| Average earning assets | $46,982,000 | 5,080 |
| Average equity | $5,336,500 | 5,159 |
| Average total loans | $34,234,000 | 4,854 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 3,152 |
| Cost of funding earning assets | 0.8541% | 471 |
| Net interest margin | 3.2212% | 4,387 |
| Noninterest income to average assets | 0.4703% | 3,189 |
| Noninterest expense to average assets | 2.7638% | 2,907 |
| Loan and lease loss provision to assets | 0.1701% | 1,291 |
| Net operating income to assets | 0.4331% | 4,577 |
| Return on assets (ROA) | 0.4123% | 4,676 |
| Pretax return on assets | 0.5143% | 4,906 |
| Return on Equity (ROE) | 3.9456% | 4,514 |
| Retained earnings to average equity (ytd only) | 3.9456% | 2,830 |
| Net charge-offs to loans | 0.4540% | 526 |
| Credit loss provision to net charge-offs | 56.6667% | 3,255 |
| Earnings coverage of net charge-offs (x) | 2.3667% | 3,753 |
| Efficiency ratio | 79.5507% | 1,153 |
| Assets per employee ($millions) | 4.2114% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9550% | 4,183 |
| Loan loss allowance to noncurrent loans | 42.8758% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 3.0374% | 261 |
| Noncurrent loans to loans | 2.2273% | 644 |
| Net loans and leases to total assets | 67.3131% | 2,911 |
| Net loans and leases to deposits | 77.0667% | 3,221 |
| Net loans and leases to core deposits | 90.9815% | 2,467 |
| Total domestic deposits to total assets | 87.3439% | 1,841 |
| Equity capital to assets | 10.4893% | 3,179 |
| Core capital (leverage) ratio | 10.5551% | 2,782 |
| Tier 1 risk-based capital ratio | 19.6888% | 1,381 |
| Total risk-based capital ratio | 20.9039% | 1,357 |
| Memoranda: | ||
| Average total assets | $49,966,600 | 5,159 |
| Average earning assets | $46,598,200 | 5,135 |
| Average equity | $5,221,000 | 5,231 |
| Average total loans | $33,042,800 | 4,923 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1780% | 2,689 |
| Cost of funding earning assets | 0.8540% | 446 |
| Net interest margin | 3.3240% | 4,093 |
| Noninterest income to average assets | 0.5566% | 2,688 |
| Noninterest expense to average assets | 2.8740% | 2,494 |
| Loan and lease loss provision to assets | 0.2275% | 804 |
| Net operating income to assets | 0.4399% | 4,901 |
| Return on assets (ROA) | 0.4442% | 4,924 |
| Pretax return on assets | 0.5539% | 4,920 |
| Return on Equity (ROE) | 4.2555% | 4,781 |
| Retained earnings to average equity (ytd only) | 4.2555% | 3,367 |
| Net charge-offs to loans | 0.6113% | 320 |
| Credit loss provision to net charge-offs | 56.6667% | 2,843 |
| Earnings coverage of net charge-offs (x) | 1.9333% | 3,529 |
| Efficiency ratio | 78.7390% | 1,240 |
| Assets per employee ($millions) | 4.2808% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 4,064 |
| Loan loss allowance to noncurrent loans | 42.4321% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 2.9920% | 299 |
| Noncurrent loans to loans | 2.3539% | 668 |
| Net loans and leases to total assets | 63.2879% | 3,515 |
| Net loans and leases to deposits | 72.1057% | 3,760 |
| Net loans and leases to core deposits | 84.6156% | 3,080 |
| Total domestic deposits to total assets | 87.7711% | 1,486 |
| Equity capital to assets | 10.3309% | 3,558 |
| Core capital (leverage) ratio | 10.3036% | 3,194 |
| Tier 1 risk-based capital ratio | 19.6388% | 1,449 |
| Total risk-based capital ratio | 20.8627% | 1,417 |
| Memoranda: | ||
| Average total assets | $49,824,000 | 5,216 |
| Average earning assets | $46,369,000 | 5,196 |
| Average equity | $5,201,000 | 5,291 |
| Average total loans | $32,717,000 | 4,985 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8957% | 3,557 |
| Cost of funding earning assets | 0.8295% | 449 |
| Net interest margin | 3.0662% | 4,756 |
| Noninterest income to average assets | 0.5476% | 2,730 |
| Noninterest expense to average assets | 2.6770% | 3,172 |
| Loan and lease loss provision to assets | 0.0406% | 3,194 |
| Net operating income to assets | 0.5501% | 4,523 |
| Return on assets (ROA) | 0.5597% | 4,522 |
| Pretax return on assets | 0.7058% | 4,531 |
| Return on Equity (ROE) | 5.3430% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.3430% | 2,505 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4780% | 1,398 |
| Assets per employee ($millions) | 4.2444% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 2,693 |
| Loan loss allowance to noncurrent loans | 42.8268% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 3.3731% | 247 |
| Noncurrent loans to loans | 2.9166% | 452 |
| Net loans and leases to total assets | 62.5547% | 3,567 |
| Net loans and leases to deposits | 70.2635% | 3,895 |
| Net loans and leases to core deposits | 82.8764% | 3,184 |
| Total domestic deposits to total assets | 89.0287% | 937 |
| Equity capital to assets | 10.3509% | 3,508 |
| Core capital (leverage) ratio | 10.6206% | 2,785 |
| Tier 1 risk-based capital ratio | 19.4095% | 1,494 |
| Total risk-based capital ratio | 20.6595% | 1,446 |
| Memoranda: | ||
| Average total assets | $49,308,670 | 5,266 |
| Average earning assets | $46,051,000 | 5,236 |
| Average equity | $5,165,670 | 5,334 |
| Average total loans | $32,676,330 | 5,019 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7891% | 3,798 |
| Cost of funding earning assets | 0.7982% | 489 |
| Net interest margin | 2.9909% | 4,905 |
| Noninterest income to average assets | 0.4124% | 3,577 |
| Noninterest expense to average assets | 2.9116% | 2,427 |
| Loan and lease loss provision to assets | 0.0825% | 2,171 |
| Net operating income to assets | 0.2227% | 5,361 |
| Return on assets (ROA) | 0.2227% | 5,372 |
| Pretax return on assets | 0.2309% | 5,404 |
| Return on Equity (ROE) | 2.1125% | 5,318 |
| Retained earnings to average equity (ytd only) | 2.1125% | 4,298 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2813% | 545 |
| Assets per employee ($millions) | 4.4989% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 3,041 |
| Loan loss allowance to noncurrent loans | 47.6359% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 3.2897% | 274 |
| Noncurrent loans to loans | 2.5518% | 608 |
| Net loans and leases to total assets | 66.1777% | 2,945 |
| Net loans and leases to deposits | 75.0080% | 3,303 |
| Net loans and leases to core deposits | 88.6309% | 2,484 |
| Total domestic deposits to total assets | 88.2274% | 1,576 |
| Equity capital to assets | 10.3803% | 3,318 |
| Core capital (leverage) ratio | 10.6424% | 2,752 |
| Tier 1 risk-based capital ratio | 18.8903% | 1,638 |
| Total risk-based capital ratio | 20.1401% | 1,602 |
| Memoranda: | ||
| Average total assets | $48,496,500 | 5,339 |
| Average earning assets | $45,604,500 | 5,301 |
| Average equity | $5,112,500 | 5,399 |
| Average total loans | $32,882,500 | 5,064 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0074% | 3,172 |
| Cost of funding earning assets | 0.8388% | 412 |
| Net interest margin | 3.1686% | 4,539 |
| Noninterest income to average assets | 0.4500% | 3,546 |
| Noninterest expense to average assets | 2.9984% | 2,361 |
| Loan and lease loss provision to assets | 0.4244% | 350 |
| Net operating income to assets | 0.0000% | 5,646 |
| Return on assets (ROA) | 0.0192% | 5,650 |
| Pretax return on assets | 0.0192% | 5,646 |
| Return on Equity (ROE) | 0.1753% | 5,649 |
| Retained earnings to average equity (ytd only) | 0.1753% | 5,249 |
| Net charge-offs to loans | 0.1903% | 1,455 |
| Credit loss provision to net charge-offs | 331.6667% | 912 |
| Earnings coverage of net charge-offs (x) | 3.3167% | 3,686 |
| Efficiency ratio | 87.6012% | 708 |
| Assets per employee ($millions) | 3.9664% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 3,097 |
| Loan loss allowance to noncurrent loans | 43.1394% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 3.5675% | 242 |
| Noncurrent loans to loans | 2.7935% | 523 |
| Net loans and leases to total assets | 67.6912% | 2,827 |
| Net loans and leases to deposits | 76.3574% | 3,281 |
| Net loans and leases to core deposits | 89.5246% | 2,547 |
| Total domestic deposits to total assets | 88.6505% | 1,293 |
| Equity capital to assets | 10.7255% | 2,895 |
| Core capital (leverage) ratio | 9.9435% | 3,561 |
| Tier 1 risk-based capital ratio | 17.1360% | 2,113 |
| Total risk-based capital ratio | 18.4053% | 2,069 |
| Memoranda: | ||
| Average total assets | $46,892,400 | 5,404 |
| Average earning assets | $43,993,800 | 5,377 |
| Average equity | $5,134,000 | 5,445 |
| Average total loans | $31,537,400 | 5,150 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0138% | 3,174 |
| Cost of funding earning assets | 0.8356% | 414 |
| Net interest margin | 3.1782% | 4,552 |
| Noninterest income to average assets | 0.3625% | 4,187 |
| Noninterest expense to average assets | 2.9682% | 2,404 |
| Loan and lease loss provision to assets | 0.4681% | 280 |
| Net operating income to assets | 0.0150% | 5,705 |
| Return on assets (ROA) | 0.0314% | 5,722 |
| Pretax return on assets | -0.0628% | 5,755 |
| Return on Equity (ROE) | 0.2853% | 5,719 |
| Retained earnings to average equity (ytd only) | 0.2853% | 5,276 |
| Net charge-offs to loans | 0.2431% | 964 |
| Credit loss provision to net charge-offs | 287.7193% | 1,073 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 3,585 |
| Efficiency ratio | 88.6616% | 638 |
| Assets per employee ($millions) | 4.0053% | 3,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 4,051 |
| Loan loss allowance to noncurrent loans | 32.7884% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 3.2353% | 334 |
| Noncurrent loans to loans | 3.2466% | 433 |
| Net loans and leases to total assets | 69.8063% | 2,520 |
| Net loans and leases to deposits | 79.3299% | 3,043 |
| Net loans and leases to core deposits | 92.9777% | 2,279 |
| Total domestic deposits to total assets | 87.9949% | 1,411 |
| Equity capital to assets | 10.7817% | 3,267 |
| Core capital (leverage) ratio | 10.8099% | 2,676 |
| Tier 1 risk-based capital ratio | 18.3240% | 1,825 |
| Total risk-based capital ratio | 19.5714% | 1,798 |
| Memoranda: | ||
| Average total assets | $46,716,250 | 5,463 |
| Average earning assets | $43,881,000 | 5,436 |
| Average equity | $5,141,250 | 5,499 |
| Average total loans | $31,268,750 | 5,207 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0035% | 3,234 |
| Cost of funding earning assets | 0.8200% | 440 |
| Net interest margin | 3.1834% | 4,599 |
| Noninterest income to average assets | 0.3069% | 4,594 |
| Noninterest expense to average assets | 3.1037% | 2,051 |
| Loan and lease loss provision to assets | 0.7089% | 157 |
| Net operating income to assets | -0.2454% | 5,864 |
| Return on assets (ROA) | -0.2205% | 5,868 |
| Pretax return on assets | -0.4798% | 5,917 |
| Return on Equity (ROE) | -1.9892% | 5,870 |
| Retained earnings to average equity (ytd only) | -1.9892% | 5,538 |
| Net charge-offs to loans | 0.3620% | 644 |
| Credit loss provision to net charge-offs | 298.1818% | 974 |
| Earnings coverage of net charge-offs (x) | 0.8000% | 3,482 |
| Efficiency ratio | 94.2257% | 407 |
| Assets per employee ($millions) | 3.6708% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 3,807 |
| Loan loss allowance to noncurrent loans | 33.9252% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 3.3718% | 329 |
| Noncurrent loans to loans | 3.3166% | 413 |
| Net loans and leases to total assets | 66.8462% | 2,960 |
| Net loans and leases to deposits | 76.8151% | 3,292 |
| Net loans and leases to core deposits | 90.9477% | 2,441 |
| Total domestic deposits to total assets | 87.0222% | 1,903 |
| Equity capital to assets | 10.7083% | 3,391 |
| Core capital (leverage) ratio | 10.8330% | 2,612 |
| Tier 1 risk-based capital ratio | 19.3696% | 1,601 |
| Total risk-based capital ratio | 20.6206% | 1,563 |
| Memoranda: | ||
| Average total assets | $46,267,330 | 5,537 |
| Average earning assets | $43,412,330 | 5,506 |
| Average equity | $5,127,670 | 5,559 |
| Average total loans | $30,387,670 | 5,282 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7507% | 4,134 |
| Cost of funding earning assets | 0.8210% | 439 |
| Net interest margin | 2.9296% | 5,265 |
| Noninterest income to average assets | 0.2196% | 5,164 |
| Noninterest expense to average assets | 3.1883% | 1,862 |
| Loan and lease loss provision to assets | 1.4405% | 60 |
| Net operating income to assets | -0.9310% | 6,021 |
| Return on assets (ROA) | -0.9310% | 6,022 |
| Pretax return on assets | -1.6513% | 6,062 |
| Return on Equity (ROE) | -8.2546% | 6,010 |
| Retained earnings to average equity (ytd only) | -8.2546% | 5,759 |
| Net charge-offs to loans | 0.6655% | 325 |
| Credit loss provision to net charge-offs | 334.6939% | 794 |
| Earnings coverage of net charge-offs (x) | -0.4898% | 3,000 |
| Efficiency ratio | 107.0796% | 185 |
| Assets per employee ($millions) | 3.8331% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 3,189 |
| Loan loss allowance to noncurrent loans | 37.5381% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 3.4024% | 340 |
| Noncurrent loans to loans | 3.3295% | 434 |
| Net loans and leases to total assets | 63.3846% | 3,331 |
| Net loans and leases to deposits | 71.7079% | 3,677 |
| Net loans and leases to core deposits | 85.1962% | 2,827 |
| Total domestic deposits to total assets | 88.3927% | 1,413 |
| Equity capital to assets | 11.0790% | 2,852 |
| Core capital (leverage) ratio | 11.0857% | 2,328 |
| Tier 1 risk-based capital ratio | 19.9051% | 1,521 |
| Total risk-based capital ratio | 21.1548% | 1,491 |
| Memoranda: | ||
| Average total assets | $45,541,000 | 5,603 |
| Average earning assets | $42,872,500 | 5,575 |
| Average equity | $5,136,500 | 5,599 |
| Average total loans | $29,450,500 | 5,355 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1708% | 2,657 |
| Cost of funding earning assets | 0.7543% | 626 |
| Net interest margin | 3.4165% | 3,844 |
| Noninterest income to average assets | 0.5185% | 3,204 |
| Noninterest expense to average assets | 3.0697% | 2,324 |
| Loan and lease loss provision to assets | 0.0434% | 3,460 |
| Net operating income to assets | 0.4267% | 4,963 |
| Return on assets (ROA) | 0.4556% | 4,950 |
| Pretax return on assets | 0.6183% | 4,783 |
| Return on Equity (ROE) | 4.1160% | 4,895 |
| Retained earnings to average equity (ytd only) | 4.1160% | 3,074 |
| Net charge-offs to loans | 0.2406% | 1,244 |
| Credit loss provision to net charge-offs | 29.4118% | 3,663 |
| Earnings coverage of net charge-offs (x) | 4.2206% | 3,592 |
| Efficiency ratio | 83.1375% | 1,261 |
| Assets per employee ($millions) | 3.7571% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8646% | 5,215 |
| Loan loss allowance to noncurrent loans | 22.9656% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 3.6354% | 313 |
| Noncurrent loans to loans | 3.7649% | 343 |
| Net loans and leases to total assets | 64.5958% | 3,184 |
| Net loans and leases to deposits | 74.2384% | 3,462 |
| Net loans and leases to core deposits | 85.2772% | 2,851 |
| Total domestic deposits to total assets | 87.0112% | 2,129 |
| Equity capital to assets | 11.5293% | 2,333 |
| Core capital (leverage) ratio | 11.3143% | 2,114 |
| Tier 1 risk-based capital ratio | 21.5845% | 1,209 |
| Total risk-based capital ratio | 22.6470% | 1,215 |
| Memoranda: | ||
| Average total assets | $46,096,400 | 5,631 |
| Average earning assets | $42,821,600 | 5,615 |
| Average equity | $5,102,000 | 5,632 |
| Average total loans | $28,259,400 | 5,434 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8418% | 3,962 |
| Cost of funding earning assets | 0.7516% | 640 |
| Net interest margin | 3.0902% | 4,989 |
| Noninterest income to average assets | 0.5293% | 3,170 |
| Noninterest expense to average assets | 3.0032% | 2,518 |
| Loan and lease loss provision to assets | 0.0144% | 3,984 |
| Net operating income to assets | 0.3029% | 5,441 |
| Return on assets (ROA) | 0.3308% | 5,450 |
| Pretax return on assets | 0.4085% | 5,450 |
| Return on Equity (ROE) | 3.0195% | 5,381 |
| Retained earnings to average equity (ytd only) | 3.0195% | 4,292 |
| Net charge-offs to loans | 0.3002% | 892 |
| Credit loss provision to net charge-offs | 7.9365% | 3,469 |
| Earnings coverage of net charge-offs (x) | 2.1429% | 3,725 |
| Efficiency ratio | 88.5496% | 795 |
| Assets per employee ($millions) | 4.1411% | 3,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8345% | 5,429 |
| Loan loss allowance to noncurrent loans | 16.6213% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 4.5069% | 243 |
| Noncurrent loans to loans | 5.0209% | 209 |
| Net loans and leases to total assets | 63.6503% | 3,359 |
| Net loans and leases to deposits | 73.2209% | 3,627 |
| Net loans and leases to core deposits | 83.9797% | 3,042 |
| Total domestic deposits to total assets | 86.9292% | 2,082 |
| Equity capital to assets | 11.2662% | 2,735 |
| Core capital (leverage) ratio | 10.9980% | 2,491 |
| Tier 1 risk-based capital ratio | 19.7013% | 1,620 |
| Total risk-based capital ratio | 20.6504% | 1,656 |
| Memoranda: | ||
| Average total assets | $46,349,250 | 5,699 |
| Average earning assets | $42,930,500 | 5,680 |
| Average equity | $5,078,000 | 5,704 |
| Average total loans | $27,980,000 | 5,507 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8509% | 3,863 |
| Cost of funding earning assets | 0.7368% | 688 |
| Net interest margin | 3.1141% | 4,935 |
| Noninterest income to average assets | 0.5535% | 3,020 |
| Noninterest expense to average assets | 2.9905% | 2,581 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3561% | 5,272 |
| Return on assets (ROA) | 0.3561% | 5,385 |
| Pretax return on assets | 0.4462% | 5,361 |
| Return on Equity (ROE) | 3.2806% | 5,316 |
| Retained earnings to average equity (ytd only) | 3.2806% | 3,965 |
| Net charge-offs to loans | 0.4281% | 600 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.7627% | 3,455 |
| Efficiency ratio | 87.0162% | 979 |
| Assets per employee ($millions) | 4.2108% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 5,437 |
| Loan loss allowance to noncurrent loans | 15.5371% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 4.9375% | 228 |
| Noncurrent loans to loans | 5.5326% | 191 |
| Net loans and leases to total assets | 60.5065% | 3,756 |
| Net loans and leases to deposits | 69.6073% | 3,973 |
| Net loans and leases to core deposits | 80.2991% | 3,361 |
| Total domestic deposits to total assets | 86.9255% | 2,205 |
| Equity capital to assets | 10.9782% | 2,907 |
| Core capital (leverage) ratio | 10.8129% | 2,601 |
| Tier 1 risk-based capital ratio | 19.9524% | 1,558 |
| Total risk-based capital ratio | 20.9159% | 1,595 |
| Memoranda: | ||
| Average total assets | $46,615,000 | 5,753 |
| Average earning assets | $43,158,330 | 5,731 |
| Average equity | $5,060,000 | 5,766 |
| Average total loans | $27,560,670 | 5,576 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0249% | 3,136 |
| Cost of funding earning assets | 0.7495% | 660 |
| Net interest margin | 3.2754% | 4,321 |
| Noninterest income to average assets | 0.5474% | 2,964 |
| Noninterest expense to average assets | 3.0024% | 2,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4277% | 4,958 |
| Return on assets (ROA) | 0.4277% | 5,083 |
| Pretax return on assets | 0.5731% | 4,988 |
| Return on Equity (ROE) | 3.9624% | 4,994 |
| Retained earnings to average equity (ytd only) | 3.9624% | 3,621 |
| Net charge-offs to loans | 0.8674% | 274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.1356% | 2,963 |
| Efficiency ratio | 83.9713% | 1,386 |
| Assets per employee ($millions) | 4.2374% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 5,477 |
| Loan loss allowance to noncurrent loans | 56.2500% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 2.7397% | 733 |
| Noncurrent loans to loans | 1.5764% | 1,773 |
| Net loans and leases to total assets | 58.2717% | 3,903 |
| Net loans and leases to deposits | 66.7806% | 4,071 |
| Net loans and leases to core deposits | 77.5785% | 3,420 |
| Total domestic deposits to total assets | 87.2584% | 2,234 |
| Equity capital to assets | 10.9223% | 3,063 |
| Core capital (leverage) ratio | 10.6759% | 2,769 |
| Tier 1 risk-based capital ratio | 20.6371% | 1,496 |
| Total risk-based capital ratio | 21.6399% | 1,516 |
| Memoranda: | ||
| Average total assets | $46,763,000 | 5,798 |
| Average earning assets | $43,231,000 | 5,777 |
| Average equity | $5,047,500 | 5,821 |
| Average total loans | $27,206,500 | 5,628 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7995% | 4,497 |
| Cost of funding earning assets | 1.1017% | 130 |
| Net interest margin | 2.6978% | 5,941 |
| Noninterest income to average assets | 0.4605% | 3,780 |
| Noninterest expense to average assets | 2.5339% | 4,442 |
| Loan and lease loss provision to assets | 0.1995% | 1,274 |
| Net operating income to assets | 0.2024% | 5,755 |
| Return on assets (ROA) | 0.2483% | 5,717 |
| Pretax return on assets | 0.2653% | 5,765 |
| Return on Equity (ROE) | 2.3467% | 5,677 |
| Retained earnings to average equity (ytd only) | 2.3467% | 4,557 |
| Net charge-offs to loans | 0.2227% | 1,886 |
| Credit loss provision to net charge-offs | 162.0690% | 1,497 |
| Earnings coverage of net charge-offs (x) | 3.3793% | 3,904 |
| Efficiency ratio | 85.8993% | 1,185 |
| Assets per employee ($millions) | 4.2686% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 4,454 |
| Loan loss allowance to noncurrent loans | 23.3565% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 4.3957% | 358 |
| Noncurrent loans to loans | 4.7873% | 320 |
| Net loans and leases to total assets | 56.8779% | 4,218 |
| Net loans and leases to deposits | 64.4645% | 4,480 |
| Net loans and leases to core deposits | 73.3245% | 3,986 |
| Total domestic deposits to total assets | 88.2313% | 1,646 |
| Equity capital to assets | 10.7486% | 3,181 |
| Core capital (leverage) ratio | 10.6458% | 2,780 |
| Tier 1 risk-based capital ratio | 20.9324% | 1,418 |
| Total risk-based capital ratio | 22.1817% | 1,390 |
| Memoranda: | ||
| Average total assets | $47,121,400 | 5,855 |
| Average earning assets | $43,479,800 | 5,839 |
| Average equity | $4,985,800 | 5,854 |
| Average total loans | $26,045,800 | 5,735 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9100% | 4,136 |
| Cost of funding earning assets | 1.0865% | 159 |
| Net interest margin | 2.8236% | 5,837 |
| Noninterest income to average assets | 0.4495% | 3,897 |
| Noninterest expense to average assets | 2.4793% | 4,596 |
| Loan and lease loss provision to assets | 0.2657% | 798 |
| Net operating income to assets | 0.2641% | 5,698 |
| Return on assets (ROA) | 0.2912% | 5,685 |
| Pretax return on assets | 0.3364% | 5,702 |
| Return on Equity (ROE) | 2.7629% | 5,629 |
| Retained earnings to average equity (ytd only) | 2.7629% | 4,627 |
| Net charge-offs to loans | 0.3152% | 1,266 |
| Credit loss provision to net charge-offs | 154.0984% | 1,546 |
| Earnings coverage of net charge-offs (x) | 3.3116% | 3,690 |
| Efficiency ratio | 81.2790% | 1,710 |
| Assets per employee ($millions) | 4.2814% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 4,585 |
| Loan loss allowance to noncurrent loans | 23.0710% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 4.3890% | 426 |
| Noncurrent loans to loans | 4.9175% | 383 |
| Net loans and leases to total assets | 55.3265% | 4,417 |
| Net loans and leases to deposits | 63.1599% | 4,621 |
| Net loans and leases to core deposits | 73.1890% | 4,030 |
| Total domestic deposits to total assets | 87.5974% | 1,980 |
| Equity capital to assets | 10.7081% | 3,286 |
| Core capital (leverage) ratio | 10.5722% | 2,954 |
| Tier 1 risk-based capital ratio | 20.9114% | 1,472 |
| Total risk-based capital ratio | 22.1630% | 1,449 |
| Memoranda: | ||
| Average total assets | $47,163,000 | 5,925 |
| Average earning assets | $43,443,000 | 5,907 |
| Average equity | $4,970,500 | 5,922 |
| Average total loans | $25,805,000 | 5,798 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6381% | 5,045 |
| Cost of funding earning assets | 0.8609% | 528 |
| Net interest margin | 2.7772% | 5,952 |
| Noninterest income to average assets | 0.3603% | 4,540 |
| Noninterest expense to average assets | 2.6830% | 3,929 |
| Loan and lease loss provision to assets | 0.2119% | 1,112 |
| Net operating income to assets | 0.0763% | 6,090 |
| Return on assets (ROA) | 0.1229% | 6,042 |
| Pretax return on assets | 0.0551% | 6,146 |
| Return on Equity (ROE) | 1.1726% | 6,022 |
| Retained earnings to average equity (ytd only) | 1.1726% | 5,283 |
| Net charge-offs to loans | 0.5464% | 749 |
| Credit loss provision to net charge-offs | 71.4286% | 2,447 |
| Earnings coverage of net charge-offs (x) | 0.7429% | 3,983 |
| Efficiency ratio | 92.4088% | 738 |
| Assets per employee ($millions) | 4.3467% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 5,504 |
| Loan loss allowance to noncurrent loans | 15.5598% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 4.9191% | 371 |
| Noncurrent loans to loans | 6.2027% | 243 |
| Net loans and leases to total assets | 52.7942% | 4,662 |
| Net loans and leases to deposits | 59.4386% | 4,914 |
| Net loans and leases to core deposits | 67.7264% | 4,493 |
| Total domestic deposits to total assets | 88.8213% | 1,460 |
| Equity capital to assets | 10.4237% | 3,534 |
| Core capital (leverage) ratio | 10.2755% | 3,237 |
| Tier 1 risk-based capital ratio | 21.0109% | 1,445 |
| Total risk-based capital ratio | 22.0647% | 1,466 |
| Memoranda: | ||
| Average total assets | $47,185,670 | 5,978 |
| Average earning assets | $43,209,330 | 5,973 |
| Average equity | $4,946,330 | 5,968 |
| Average total loans | $25,621,670 | 5,853 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6878% | 4,892 |
| Cost of funding earning assets | 0.8771% | 513 |
| Net interest margin | 2.8106% | 5,913 |
| Noninterest income to average assets | 0.5718% | 2,905 |
| Noninterest expense to average assets | 2.6626% | 4,067 |
| Loan and lease loss provision to assets | 0.0341% | 3,369 |
| Net operating income to assets | 0.3499% | 5,312 |
| Return on assets (ROA) | 0.3499% | 5,371 |
| Pretax return on assets | 0.4182% | 5,395 |
| Return on Equity (ROE) | 3.3283% | 5,340 |
| Retained earnings to average equity (ytd only) | 3.3283% | 4,131 |
| Net charge-offs to loans | 0.1713% | 1,693 |
| Credit loss provision to net charge-offs | 36.3636% | 2,338 |
| Earnings coverage of net charge-offs (x) | 4.8182% | 2,466 |
| Efficiency ratio | 85.4795% | 1,500 |
| Assets per employee ($millions) | 4.2990% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 5,407 |
| Loan loss allowance to noncurrent loans | 16.4444% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 4.9293% | 422 |
| Noncurrent loans to loans | 6.2562% | 277 |
| Net loans and leases to total assets | 52.6888% | 4,579 |
| Net loans and leases to deposits | 59.1239% | 4,834 |
| Net loans and leases to core deposits | 67.4116% | 4,366 |
| Total domestic deposits to total assets | 89.1159% | 1,580 |
| Equity capital to assets | 10.4972% | 3,250 |
| Core capital (leverage) ratio | 10.4081% | 3,035 |
| Tier 1 risk-based capital ratio | 21.7692% | 1,327 |
| Total risk-based capital ratio | 22.9158% | 1,327 |
| Memoranda: | ||
| Average total assets | $46,871,500 | 6,043 |
| Average earning assets | $42,410,500 | 6,046 |
| Average equity | $4,927,500 | 6,014 |
| Average total loans | $25,688,000 | 5,904 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8357% | 4,668 |
| Cost of funding earning assets | 0.9003% | 736 |
| Net interest margin | 2.9354% | 5,719 |
| Noninterest income to average assets | 0.3499% | 4,814 |
| Noninterest expense to average assets | 2.6787% | 4,166 |
| Loan and lease loss provision to assets | 0.1331% | 2,648 |
| Net operating income to assets | 0.2232% | 5,765 |
| Return on assets (ROA) | 0.2232% | 5,825 |
| Pretax return on assets | 0.2254% | 5,895 |
| Return on Equity (ROE) | 2.1186% | 5,798 |
| Retained earnings to average equity (ytd only) | 2.1186% | 4,733 |
| Net charge-offs to loans | 0.6638% | 977 |
| Credit loss provision to net charge-offs | 35.6322% | 4,140 |
| Earnings coverage of net charge-offs (x) | 0.9598% | 4,762 |
| Efficiency ratio | 88.1979% | 1,191 |
| Assets per employee ($millions) | 4.2231% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 5,487 |
| Loan loss allowance to noncurrent loans | 20.4301% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 4.4302% | 574 |
| Noncurrent loans to loans | 4.9693% | 509 |
| Net loans and leases to total assets | 55.8294% | 4,344 |
| Net loans and leases to deposits | 62.7343% | 4,646 |
| Net loans and leases to core deposits | 70.7138% | 4,222 |
| Total domestic deposits to total assets | 88.9934% | 1,633 |
| Equity capital to assets | 10.5287% | 3,111 |
| Core capital (leverage) ratio | 10.4998% | 2,922 |
| Tier 1 risk-based capital ratio | 21.2982% | 1,368 |
| Total risk-based capital ratio | 22.4600% | 1,369 |
| Memoranda: | ||
| Average total assets | $46,590,400 | 6,101 |
| Average earning assets | $42,652,200 | 6,089 |
| Average equity | $4,909,000 | 6,087 |
| Average total loans | $26,212,400 | 5,930 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8675% | 4,614 |
| Cost of funding earning assets | 0.8973% | 826 |
| Net interest margin | 2.9702% | 5,666 |
| Noninterest income to average assets | 0.4404% | 4,218 |
| Noninterest expense to average assets | 2.7081% | 3,992 |
| Loan and lease loss provision to assets | 0.1573% | 2,295 |
| Net operating income to assets | 0.2745% | 5,691 |
| Return on assets (ROA) | 0.2745% | 5,799 |
| Pretax return on assets | 0.2917% | 5,897 |
| Return on Equity (ROE) | 2.6051% | 5,746 |
| Retained earnings to average equity (ytd only) | 2.6051% | 4,765 |
| Net charge-offs to loans | 0.7019% | 848 |
| Credit loss provision to net charge-offs | 39.8551% | 3,705 |
| Earnings coverage of net charge-offs (x) | 1.1377% | 4,463 |
| Efficiency ratio | 85.7790% | 1,381 |
| Assets per employee ($millions) | 4.6256% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 5,285 |
| Loan loss allowance to noncurrent loans | 24.6862% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 4.5637% | 655 |
| Noncurrent loans to loans | 4.4947% | 720 |
| Net loans and leases to total assets | 56.8402% | 4,198 |
| Net loans and leases to deposits | 64.2868% | 4,491 |
| Net loans and leases to core deposits | 72.5297% | 4,027 |
| Total domestic deposits to total assets | 88.4166% | 1,883 |
| Equity capital to assets | 10.5608% | 3,206 |
| Core capital (leverage) ratio | 10.4873% | 3,019 |
| Tier 1 risk-based capital ratio | 20.4912% | 1,603 |
| Total risk-based capital ratio | 21.7384% | 1,577 |
| Memoranda: | ||
| Average total assets | $46,624,500 | 6,173 |
| Average earning assets | $42,645,000 | 6,158 |
| Average equity | $4,913,500 | 6,162 |
| Average total loans | $26,215,250 | 5,985 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6757% | 5,217 |
| Cost of funding earning assets | 0.8990% | 906 |
| Net interest margin | 2.7767% | 6,050 |
| Noninterest income to average assets | 0.4621% | 4,079 |
| Noninterest expense to average assets | 2.3787% | 5,109 |
| Loan and lease loss provision to assets | 0.1070% | 3,009 |
| Net operating income to assets | 0.4107% | 5,177 |
| Return on assets (ROA) | 0.4107% | 5,340 |
| Pretax return on assets | 0.5134% | 5,328 |
| Return on Equity (ROE) | 3.9001% | 5,253 |
| Retained earnings to average equity (ytd only) | 3.9001% | 3,812 |
| Net charge-offs to loans | 0.0996% | 3,369 |
| Credit loss provision to net charge-offs | 192.3077% | 1,238 |
| Earnings coverage of net charge-offs (x) | 11.1538% | 2,081 |
| Efficiency ratio | 79.3153% | 2,258 |
| Assets per employee ($millions) | 4.6210% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 3,908 |
| Loan loss allowance to noncurrent loans | 32.7456% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 4.6483% | 688 |
| Noncurrent loans to loans | 4.3594% | 826 |
| Net loans and leases to total assets | 58.2774% | 3,938 |
| Net loans and leases to deposits | 65.7390% | 4,294 |
| Net loans and leases to core deposits | 74.6293% | 3,712 |
| Total domestic deposits to total assets | 88.6496% | 1,809 |
| Equity capital to assets | 10.5605% | 3,225 |
| Core capital (leverage) ratio | 10.4966% | 2,879 |
| Tier 1 risk-based capital ratio | 20.4411% | 1,620 |
| Total risk-based capital ratio | 21.7316% | 1,586 |
| Memoranda: | ||
| Average total assets | $46,747,330 | 6,217 |
| Average earning assets | $42,713,000 | 6,200 |
| Average equity | $4,923,000 | 6,204 |
| Average total loans | $26,091,330 | 6,019 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8089% | 4,798 |
| Cost of funding earning assets | 0.9078% | 951 |
| Net interest margin | 2.9011% | 5,814 |
| Noninterest income to average assets | 0.6296% | 2,979 |
| Noninterest expense to average assets | 2.6374% | 4,286 |
| Loan and lease loss provision to assets | 0.2127% | 1,742 |
| Net operating income to assets | 0.3488% | 5,356 |
| Return on assets (ROA) | 0.3488% | 5,500 |
| Pretax return on assets | 0.4169% | 5,511 |
| Return on Equity (ROE) | 3.3168% | 5,427 |
| Retained earnings to average equity (ytd only) | 3.3168% | 4,262 |
| Net charge-offs to loans | 0.2198% | 2,109 |
| Credit loss provision to net charge-offs | 178.5714% | 1,190 |
| Earnings coverage of net charge-offs (x) | 5.2857% | 2,382 |
| Efficiency ratio | 80.7292% | 2,219 |
| Assets per employee ($millions) | 4.6298% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 3,699 |
| Loan loss allowance to noncurrent loans | 31.7033% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 5.0521% | 722 |
| Noncurrent loans to loans | 4.8263% | 805 |
| Net loans and leases to total assets | 54.0715% | 4,406 |
| Net loans and leases to deposits | 61.5026% | 4,615 |
| Net loans and leases to core deposits | 69.7870% | 4,110 |
| Total domestic deposits to total assets | 87.9174% | 2,373 |
| Equity capital to assets | 10.7110% | 3,307 |
| Core capital (leverage) ratio | 10.3878% | 2,917 |
| Tier 1 risk-based capital ratio | 19.6934% | 1,850 |
| Total risk-based capital ratio | 20.9592% | 1,821 |
| Memoranda: | ||
| Average total assets | $47,016,000 | 6,269 |
| Average earning assets | $42,742,500 | 6,256 |
| Average equity | $4,944,500 | 6,266 |
| Average total loans | $25,477,000 | 6,096 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3221% | 4,120 |
| Cost of funding earning assets | 1.1888% | 614 |
| Net interest margin | 3.1333% | 5,734 |
| Noninterest income to average assets | 0.5332% | 3,689 |
| Noninterest expense to average assets | 2.4271% | 5,335 |
| Loan and lease loss provision to assets | 0.4229% | 1,503 |
| Net operating income to assets | 0.4428% | 4,915 |
| Return on assets (ROA) | 0.5189% | 4,875 |
| Pretax return on assets | 0.6803% | 4,735 |
| Return on Equity (ROE) | 5.2645% | 4,558 |
| Retained earnings to average equity (ytd only) | 5.2645% | 2,527 |
| Net charge-offs to loans | 0.6644% | 1,773 |
| Credit loss provision to net charge-offs | 116.2921% | 2,482 |
| Earnings coverage of net charge-offs (x) | 2.7584% | 4,047 |
| Efficiency ratio | 70.7564% | 3,661 |
| Assets per employee ($millions) | 4.7734% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 3,826 |
| Loan loss allowance to noncurrent loans | 24.4344% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 5.5977% | 659 |
| Noncurrent loans to loans | 6.0593% | 589 |
| Net loans and leases to total assets | 52.6941% | 4,807 |
| Net loans and leases to deposits | 61.7691% | 4,810 |
| Net loans and leases to core deposits | 70.0524% | 4,301 |
| Total domestic deposits to total assets | 85.3082% | 3,706 |
| Equity capital to assets | 10.3281% | 3,720 |
| Core capital (leverage) ratio | 9.9886% | 3,419 |
| Tier 1 risk-based capital ratio | 19.3325% | 1,861 |
| Total risk-based capital ratio | 20.5332% | 1,846 |
| Memoranda: | ||
| Average total assets | $48,948,000 | 6,241 |
| Average earning assets | $45,256,200 | 6,196 |
| Average equity | $4,824,800 | 6,346 |
| Average total loans | $26,790,400 | 6,094 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0238% | 5,448 |
| Cost of funding earning assets | 1.2731% | 494 |
| Net interest margin | 2.7506% | 6,577 |
| Noninterest income to average assets | 0.5766% | 3,435 |
| Noninterest expense to average assets | 2.2307% | 5,880 |
| Loan and lease loss provision to assets | 0.1083% | 4,217 |
| Net operating income to assets | 0.6079% | 4,356 |
| Return on assets (ROA) | 0.6037% | 4,644 |
| Pretax return on assets | 0.7824% | 4,555 |
| Return on Equity (ROE) | 6.1963% | 4,233 |
| Retained earnings to average equity (ytd only) | 6.1963% | 2,567 |
| Net charge-offs to loans | 0.0295% | 5,244 |
| Credit loss provision to net charge-offs | 666.6667% | 404 |
| Earnings coverage of net charge-offs (x) | 55.1650% | 696 |
| Efficiency ratio | 71.3420% | 3,441 |
| Assets per employee ($millions) | 4.9488% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 4,363 |
| Loan loss allowance to noncurrent loans | 18.2381% | 6,530 |
| Noncurrent assets plus other real estate owned to assets | 5.1124% | 863 |
| Noncurrent loans to loans | 7.6892% | 427 |
| Net loans and leases to total assets | 54.4132% | 4,688 |
| Net loans and leases to deposits | 64.2443% | 4,683 |
| Net loans and leases to core deposits | 75.1109% | 3,835 |
| Total domestic deposits to total assets | 84.6973% | 3,889 |
| Equity capital to assets | 10.0166% | 4,470 |
| Core capital (leverage) ratio | 9.5817% | 4,144 |
| Tier 1 risk-based capital ratio | 18.3948% | 2,200 |
| Total risk-based capital ratio | 19.5252% | 2,218 |
| Memoranda: | ||
| Average total assets | $49,251,500 | 6,310 |
| Average earning assets | $45,661,000 | 6,263 |
| Average equity | $4,798,500 | 6,427 |
| Average total loans | $27,105,250 | 6,161 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1080% | 5,296 |
| Cost of funding earning assets | 1.3063% | 512 |
| Net interest margin | 2.8017% | 6,572 |
| Noninterest income to average assets | 0.5165% | 3,810 |
| Noninterest expense to average assets | 2.1963% | 6,019 |
| Loan and lease loss provision to assets | 0.1017% | 4,254 |
| Net operating income to assets | 0.6286% | 4,235 |
| Return on assets (ROA) | 0.6223% | 4,516 |
| Pretax return on assets | 0.8013% | 4,468 |
| Return on Equity (ROE) | 6.4480% | 4,070 |
| Retained earnings to average equity (ytd only) | 6.4480% | 2,410 |
| Net charge-offs to loans | 0.0222% | 5,089 |
| Credit loss provision to net charge-offs | 833.3333% | 385 |
| Earnings coverage of net charge-offs (x) | 74.6667% | 543 |
| Efficiency ratio | 70.6806% | 3,659 |
| Assets per employee ($millions) | 4.9078% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 4,563 |
| Loan loss allowance to noncurrent loans | 30.6612% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 3.3416% | 1,612 |
| Noncurrent loans to loans | 4.4765% | 1,187 |
| Net loans and leases to total assets | 54.3197% | 4,740 |
| Net loans and leases to deposits | 62.0670% | 4,985 |
| Net loans and leases to core deposits | 72.2153% | 4,276 |
| Total domestic deposits to total assets | 87.5178% | 2,453 |
| Equity capital to assets | 9.8578% | 4,536 |
| Core capital (leverage) ratio | 9.5111% | 4,124 |
| Tier 1 risk-based capital ratio | 17.0931% | 2,629 |
| Total risk-based capital ratio | 18.3466% | 2,588 |
| Memoranda: | ||
| Average total assets | $49,172,670 | 6,346 |
| Average earning assets | $45,472,670 | 6,303 |
| Average equity | $4,745,670 | 6,467 |
| Average total loans | $27,036,670 | 6,201 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 5,316 |
| Cost of funding earning assets | 1.3301% | 558 |
| Net interest margin | 2.8100% | 6,624 |
| Noninterest income to average assets | 0.6908% | 2,706 |
| Noninterest expense to average assets | 2.3080% | 5,747 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7395% | 3,680 |
| Return on assets (ROA) | 0.7395% | 3,919 |
| Pretax return on assets | 0.9752% | 3,771 |
| Return on Equity (ROE) | 7.7455% | 3,389 |
| Retained earnings to average equity (ytd only) | 7.7455% | 2,075 |
| Net charge-offs to loans | 0.0148% | 4,485 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 294 |
| Efficiency ratio | 70.2970% | 3,759 |
| Assets per employee ($millions) | 5.4809% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 5,133 |
| Loan loss allowance to noncurrent loans | 30.7692% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 3.1970% | 1,813 |
| Noncurrent loans to loans | 4.1439% | 1,459 |
| Net loans and leases to total assets | 54.6241% | 4,617 |
| Net loans and leases to deposits | 63.2289% | 4,740 |
| Net loans and leases to core deposits | 72.6182% | 4,067 |
| Total domestic deposits to total assets | 86.3911% | 3,309 |
| Equity capital to assets | 9.6335% | 4,606 |
| Core capital (leverage) ratio | 9.2990% | 4,368 |
| Tier 1 risk-based capital ratio | 17.7303% | 2,391 |
| Total risk-based capital ratio | 18.8744% | 2,406 |
| Memoranda: | ||
| Average total assets | $49,220,000 | 6,391 |
| Average earning assets | $45,408,500 | 6,350 |
| Average equity | $4,699,500 | 6,515 |
| Average total loans | $27,040,000 | 6,248 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1991% | 6,054 |
| Cost of funding earning assets | 1.5119% | 682 |
| Net interest margin | 2.6872% | 6,934 |
| Noninterest income to average assets | 0.6475% | 2,902 |
| Noninterest expense to average assets | 2.1196% | 6,453 |
| Loan and lease loss provision to assets | 0.2103% | 4,085 |
| Net operating income to assets | 0.5501% | 4,233 |
| Return on assets (ROA) | 0.6225% | 4,073 |
| Pretax return on assets | 0.8807% | 3,672 |
| Return on Equity (ROE) | 6.8625% | 3,458 |
| Retained earnings to average equity (ytd only) | 6.8625% | 1,569 |
| Net charge-offs to loans | -0.5347% | 7,283 |
| Credit loss provision to net charge-offs | -74.2647% | 6,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1849% | 4,317 |
| Assets per employee ($millions) | 5.4569% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 4,889 |
| Loan loss allowance to noncurrent loans | 36.6597% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 3.2131% | 1,858 |
| Noncurrent loans to loans | 3.5540% | 1,801 |
| Net loans and leases to total assets | 53.8321% | 5,058 |
| Net loans and leases to deposits | 64.0812% | 4,995 |
| Net loans and leases to core deposits | 73.8760% | 4,259 |
| Total domestic deposits to total assets | 84.0059% | 4,314 |
| Equity capital to assets | 9.4620% | 4,942 |
| Core capital (leverage) ratio | 9.1828% | 4,489 |
| Tier 1 risk-based capital ratio | 18.0896% | 2,162 |
| Total risk-based capital ratio | 19.3395% | 2,140 |
| Memoranda: | ||
| Average total assets | $48,028,400 | 6,423 |
| Average earning assets | $43,985,800 | 6,389 |
| Average equity | $4,357,000 | 6,640 |
| Average total loans | $25,436,200 | 6,398 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2272% | 6,143 |
| Cost of funding earning assets | 1.5505% | 717 |
| Net interest margin | 2.6767% | 7,008 |
| Noninterest income to average assets | 0.5779% | 3,318 |
| Noninterest expense to average assets | 2.1748% | 6,331 |
| Loan and lease loss provision to assets | 0.2317% | 3,698 |
| Net operating income to assets | 0.4389% | 4,820 |
| Return on assets (ROA) | 0.5360% | 4,569 |
| Pretax return on assets | 0.7566% | 4,293 |
| Return on Equity (ROE) | 5.9748% | 4,031 |
| Retained earnings to average equity (ytd only) | 5.9748% | 2,573 |
| Net charge-offs to loans | 0.1063% | 4,940 |
| Credit loss provision to net charge-offs | 415.0000% | 684 |
| Earnings coverage of net charge-offs (x) | 15.2478% | 1,480 |
| Efficiency ratio | 71.8635% | 3,577 |
| Assets per employee ($millions) | 4.9431% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6762% | 6,999 |
| Loan loss allowance to noncurrent loans | 15.9526% | 6,790 |
| Noncurrent assets plus other real estate owned to assets | 3.7406% | 1,664 |
| Noncurrent loans to loans | 4.2390% | 1,544 |
| Net loans and leases to total assets | 51.9998% | 5,446 |
| Net loans and leases to deposits | 61.3226% | 5,474 |
| Net loans and leases to core deposits | 71.0036% | 4,839 |
| Total domestic deposits to total assets | 84.7970% | 3,870 |
| Equity capital to assets | 9.1663% | 5,563 |
| Core capital (leverage) ratio | 8.9046% | 5,088 |
| Tier 1 risk-based capital ratio | 18.7276% | 2,015 |
| Total risk-based capital ratio | 19.5867% | 2,101 |
| Memoranda: | ||
| Average total assets | $47,757,500 | 6,486 |
| Average earning assets | $43,684,500 | 6,456 |
| Average equity | $4,284,500 | 6,714 |
| Average total loans | $25,098,500 | 6,475 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2161% | 6,248 |
| Cost of funding earning assets | 1.6006% | 691 |
| Net interest margin | 2.6154% | 7,108 |
| Noninterest income to average assets | 0.4449% | 4,317 |
| Noninterest expense to average assets | 2.2500% | 6,245 |
| Loan and lease loss provision to assets | 0.2881% | 3,083 |
| Net operating income to assets | 0.2651% | 5,498 |
| Return on assets (ROA) | 0.2797% | 5,582 |
| Pretax return on assets | 0.3263% | 5,607 |
| Return on Equity (ROE) | 3.1411% | 5,339 |
| Retained earnings to average equity (ytd only) | 3.1411% | 4,278 |
| Net charge-offs to loans | 0.0966% | 4,712 |
| Credit loss provision to net charge-offs | 566.6667% | 546 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 1,681 |
| Efficiency ratio | 79.0179% | 2,555 |
| Assets per employee ($millions) | 6.0908% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6597% | 7,072 |
| Loan loss allowance to noncurrent loans | 12.6888% | 6,910 |
| Noncurrent assets plus other real estate owned to assets | 3.6633% | 1,786 |
| Noncurrent loans to loans | 5.1991% | 1,242 |
| Net loans and leases to total assets | 51.9189% | 5,572 |
| Net loans and leases to deposits | 62.0019% | 5,504 |
| Net loans and leases to core deposits | 73.2341% | 4,678 |
| Total domestic deposits to total assets | 83.7376% | 4,455 |
| Equity capital to assets | 8.9665% | 5,629 |
| Core capital (leverage) ratio | 8.7661% | 5,097 |
| Tier 1 risk-based capital ratio | 18.1670% | 2,115 |
| Total risk-based capital ratio | 18.9948% | 2,213 |
| Memoranda: | ||
| Average total assets | $47,199,670 | 6,559 |
| Average earning assets | $43,358,000 | 6,529 |
| Average equity | $4,202,330 | 6,782 |
| Average total loans | $24,838,330 | 6,546 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 6,224 |
| Cost of funding earning assets | 1.6616% | 649 |
| Net interest margin | 2.5620% | 7,154 |
| Noninterest income to average assets | 0.3962% | 4,731 |
| Noninterest expense to average assets | 2.2999% | 6,188 |
| Loan and lease loss provision to assets | 0.1551% | 4,088 |
| Net operating income to assets | 0.2498% | 5,617 |
| Return on assets (ROA) | 0.2498% | 5,684 |
| Pretax return on assets | 0.3187% | 5,602 |
| Return on Equity (ROE) | 2.8162% | 5,459 |
| Retained earnings to average equity (ytd only) | 2.8162% | 4,479 |
| Net charge-offs to loans | 0.4567% | 2,326 |
| Credit loss provision to net charge-offs | 64.2857% | 3,463 |
| Earnings coverage of net charge-offs (x) | 1.9643% | 3,329 |
| Efficiency ratio | 82.9193% | 2,098 |
| Assets per employee ($millions) | 4.5865% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4180% | 7,339 |
| Loan loss allowance to noncurrent loans | 7.1279% | 7,033 |
| Noncurrent assets plus other real estate owned to assets | 4.2363% | 1,548 |
| Noncurrent loans to loans | 5.8650% | 1,096 |
| Net loans and leases to total assets | 52.9750% | 5,455 |
| Net loans and leases to deposits | 60.9834% | 5,620 |
| Net loans and leases to core deposits | 71.6197% | 4,838 |
| Total domestic deposits to total assets | 86.8680% | 3,012 |
| Equity capital to assets | 9.0963% | 5,061 |
| Core capital (leverage) ratio | 9.2032% | 4,283 |
| Tier 1 risk-based capital ratio | 17.7163% | 2,213 |
| Total risk-based capital ratio | 18.2570% | 2,449 |
| Memoranda: | ||
| Average total assets | $46,436,500 | 6,625 |
| Average earning assets | $43,090,500 | 6,584 |
| Average equity | $4,119,000 | 6,841 |
| Average total loans | $24,524,500 | 6,611 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4369% | 6,549 |
| Cost of funding earning assets | 1.9531% | 716 |
| Net interest margin | 2.4838% | 7,281 |
| Noninterest income to average assets | 0.8489% | 2,058 |
| Noninterest expense to average assets | 2.2803% | 6,413 |
| Loan and lease loss provision to assets | 0.3517% | 4,019 |
| Net operating income to assets | 0.3539% | 4,728 |
| Return on assets (ROA) | 0.3539% | 4,890 |
| Pretax return on assets | 0.5130% | 4,574 |
| Return on Equity (ROE) | 3.8092% | 4,608 |
| Retained earnings to average equity (ytd only) | 3.8092% | 3,195 |
| Net charge-offs to loans | 0.6248% | 3,155 |
| Credit loss provision to net charge-offs | 101.2903% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.4903% | 3,874 |
| Efficiency ratio | 72.5071% | 3,700 |
| Assets per employee ($millions) | 4.7008% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3327% | 7,467 |
| Loan loss allowance to noncurrent loans | 5.2263% | 7,126 |
| Noncurrent assets plus other real estate owned to assets | 4.1886% | 1,603 |
| Noncurrent loans to loans | 6.3651% | 955 |
| Net loans and leases to total assets | 52.2634% | 5,878 |
| Net loans and leases to deposits | 60.0259% | 6,054 |
| Net loans and leases to core deposits | 68.4002% | 5,617 |
| Total domestic deposits to total assets | 87.0682% | 2,786 |
| Equity capital to assets | 8.6496% | 5,658 |
| Core capital (leverage) ratio | 8.9035% | 4,691 |
| Tier 1 risk-based capital ratio | 17.3911% | 2,209 |
| Total risk-based capital ratio | 17.8215% | 2,472 |
| Memoranda: | ||
| Average total assets | $44,643,600 | 6,710 |
| Average earning assets | $41,267,200 | 6,666 |
| Average equity | $4,147,800 | 6,940 |
| Average total loans | $24,809,600 | 6,685 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5792% | 6,391 |
| Cost of funding earning assets | 2.0126% | 722 |
| Net interest margin | 2.5666% | 7,336 |
| Noninterest income to average assets | 0.8474% | 2,006 |
| Noninterest expense to average assets | 2.3396% | 6,203 |
| Loan and lease loss provision to assets | 0.1271% | 5,754 |
| Net operating income to assets | 0.5115% | 4,262 |
| Return on assets (ROA) | 0.5115% | 4,454 |
| Pretax return on assets | 0.7506% | 4,078 |
| Return on Equity (ROE) | 5.4059% | 4,082 |
| Retained earnings to average equity (ytd only) | 5.4059% | 2,705 |
| Net charge-offs to loans | 0.2093% | 4,690 |
| Credit loss provision to net charge-offs | 107.6923% | 3,957 |
| Earnings coverage of net charge-offs (x) | 7.4358% | 2,333 |
| Efficiency ratio | 72.7187% | 3,570 |
| Assets per employee ($millions) | 4.7045% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4097% | 7,526 |
| Loan loss allowance to noncurrent loans | 9.1146% | 7,193 |
| Noncurrent assets plus other real estate owned to assets | 3.2352% | 2,208 |
| Noncurrent loans to loans | 4.4949% | 1,604 |
| Net loans and leases to total assets | 54.2544% | 5,810 |
| Net loans and leases to deposits | 60.6314% | 6,259 |
| Net loans and leases to core deposits | 67.1455% | 6,026 |
| Total domestic deposits to total assets | 89.4824% | 1,135 |
| Equity capital to assets | 9.2167% | 5,289 |
| Core capital (leverage) ratio | 8.9690% | 4,741 |
| Tier 1 risk-based capital ratio | 19.0873% | 1,735 |
| Total risk-based capital ratio | 19.6076% | 1,877 |
| Memoranda: | ||
| Average total assets | $44,052,500 | 6,817 |
| Average earning assets | $40,676,000 | 6,771 |
| Average equity | $4,168,250 | 7,027 |
| Average total loans | $24,849,500 | 6,767 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6532% | 6,303 |
| Cost of funding earning assets | 2.0236% | 846 |
| Net interest margin | 2.6296% | 7,322 |
| Noninterest income to average assets | 0.7339% | 2,492 |
| Noninterest expense to average assets | 2.4062% | 6,054 |
| Loan and lease loss provision to assets | 0.1951% | 4,926 |
| Net operating income to assets | 0.3902% | 4,793 |
| Return on assets (ROA) | 0.3902% | 4,955 |
| Pretax return on assets | 0.5714% | 4,663 |
| Return on Equity (ROE) | 4.0853% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.0853% | 3,482 |
| Net charge-offs to loans | 0.2928% | 3,862 |
| Credit loss provision to net charge-offs | 116.6667% | 3,476 |
| Earnings coverage of net charge-offs (x) | 4.5833% | 2,908 |
| Efficiency ratio | 75.8419% | 3,098 |
| Assets per employee ($millions) | 4.4794% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4218% | 7,585 |
| Loan loss allowance to noncurrent loans | 11.8033% | 7,223 |
| Noncurrent assets plus other real estate owned to assets | 2.5919% | 2,801 |
| Noncurrent loans to loans | 3.5737% | 2,207 |
| Net loans and leases to total assets | 56.9183% | 5,570 |
| Net loans and leases to deposits | 63.7543% | 6,058 |
| Net loans and leases to core deposits | 72.5225% | 5,621 |
| Total domestic deposits to total assets | 89.2776% | 1,296 |
| Equity capital to assets | 9.4388% | 4,802 |
| Core capital (leverage) ratio | 9.2260% | 4,260 |
| Tier 1 risk-based capital ratio | 16.0895% | 2,634 |
| Total risk-based capital ratio | 16.6703% | 2,898 |
| Memoranda: | ||
| Average total assets | $43,055,000 | 6,892 |
| Average earning assets | $39,929,670 | 6,845 |
| Average equity | $4,112,330 | 7,072 |
| Average total loans | $24,589,670 | 6,829 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7149% | 6,194 |
| Cost of funding earning assets | 2.0077% | 1,058 |
| Net interest margin | 2.7073% | 7,290 |
| Noninterest income to average assets | 0.6827% | 2,722 |
| Noninterest expense to average assets | 2.4179% | 6,022 |
| Loan and lease loss provision to assets | 0.3982% | 2,985 |
| Net operating income to assets | 0.2655% | 5,435 |
| Return on assets (ROA) | 0.2655% | 5,557 |
| Pretax return on assets | 0.3982% | 5,293 |
| Return on Equity (ROE) | 2.7624% | 5,450 |
| Retained earnings to average equity (ytd only) | 2.7624% | 4,480 |
| Net charge-offs to loans | 0.5315% | 2,473 |
| Credit loss provision to net charge-offs | 131.2500% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.6250% | 3,227 |
| Efficiency ratio | 75.2212% | 3,356 |
| Assets per employee ($millions) | 4.2557% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4314% | 7,666 |
| Loan loss allowance to noncurrent loans | 17.8694% | 7,115 |
| Noncurrent assets plus other real estate owned to assets | 1.9456% | 3,565 |
| Noncurrent loans to loans | 2.4143% | 3,256 |
| Net loans and leases to total assets | 56.3997% | 5,687 |
| Net loans and leases to deposits | 63.5798% | 6,099 |
| Net loans and leases to core deposits | 70.6045% | 5,865 |
| Total domestic deposits to total assets | 88.7069% | 1,670 |
| Equity capital to assets | 9.6247% | 4,340 |
| Core capital (leverage) ratio | 9.5631% | 3,685 |
| Tier 1 risk-based capital ratio | 16.1230% | 2,606 |
| Total risk-based capital ratio | 16.6941% | 2,843 |
| Memoranda: | ||
| Average total assets | $42,185,500 | 7,011 |
| Average earning assets | $39,449,000 | 6,948 |
| Average equity | $4,054,500 | 7,167 |
| Average total loans | $24,082,500 | 6,938 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7717% | 7,002 |
| Cost of funding earning assets | 2.2811% | 1,725 |
| Net interest margin | 2.4906% | 7,438 |
| Noninterest income to average assets | 1.0487% | 1,412 |
| Noninterest expense to average assets | 3.0093% | 4,107 |
| Loan and lease loss provision to assets | 0.2371% | 5,480 |
| Net operating income to assets | 0.1088% | 5,190 |
| Return on assets (ROA) | 0.1088% | 5,236 |
| Pretax return on assets | 0.1227% | 5,171 |
| Return on Equity (ROE) | 0.9641% | 5,245 |
| Retained earnings to average equity (ytd only) | 0.9641% | 4,358 |
| Net charge-offs to loans | 1.5012% | 1,670 |
| Credit loss provision to net charge-offs | 23.7430% | 6,924 |
| Earnings coverage of net charge-offs (x) | 0.3603% | 5,756 |
| Efficiency ratio | 89.3212% | 1,760 |
| Assets per employee ($millions) | 4.6460% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5487% | 7,619 |
| Loan loss allowance to noncurrent loans | 10.7579% | 7,357 |
| Noncurrent assets plus other real estate owned to assets | 3.2645% | 2,100 |
| Noncurrent loans to loans | 5.1000% | 1,314 |
| Net loans and leases to total assets | 57.2225% | 5,787 |
| Net loans and leases to deposits | 63.9794% | 6,265 |
| Net loans and leases to core deposits | 85.4658% | 5,577 |
| Total domestic deposits to total assets | 89.4389% | 1,247 |
| Equity capital to assets | 9.5973% | 4,275 |
| Core capital (leverage) ratio | 9.6556% | 3,515 |
| Tier 1 risk-based capital ratio | 15.9223% | 2,558 |
| Total risk-based capital ratio | 16.6448% | 2,721 |
| Memoranda: | ||
| Average total assets | $35,855,600 | 7,251 |
| Average earning assets | $33,405,400 | 7,211 |
| Average equity | $4,045,200 | 7,272 |
| Average total loans | $23,846,800 | 6,988 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9456% | 6,778 |
| Cost of funding earning assets | 2.2681% | 2,117 |
| Net interest margin | 2.6775% | 7,248 |
| Noninterest income to average assets | 1.1057% | 1,291 |
| Noninterest expense to average assets | 3.1891% | 3,338 |
| Loan and lease loss provision to assets | 0.2522% | 4,932 |
| Net operating income to assets | 0.1397% | 5,354 |
| Return on assets (ROA) | 0.1397% | 5,420 |
| Pretax return on assets | 0.1513% | 5,412 |
| Return on Equity (ROE) | 1.1842% | 5,434 |
| Retained earnings to average equity (ytd only) | 1.1842% | 4,658 |
| Net charge-offs to loans | 1.7483% | 1,157 |
| Credit loss provision to net charge-offs | 20.8333% | 6,566 |
| Earnings coverage of net charge-offs (x) | 0.3333% | 5,692 |
| Efficiency ratio | 88.7689% | 1,796 |
| Assets per employee ($millions) | 3.9142% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6337% | 7,517 |
| Loan loss allowance to noncurrent loans | 49.2212% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 1.3029% | 4,477 |
| Noncurrent loans to loans | 1.2876% | 4,787 |
| Net loans and leases to total assets | 70.3219% | 3,433 |
| Net loans and leases to deposits | 80.8941% | 4,222 |
| Net loans and leases to core deposits | 101.6662% | 4,189 |
| Total domestic deposits to total assets | 86.9309% | 2,214 |
| Equity capital to assets | 11.6072% | 2,501 |
| Core capital (leverage) ratio | 11.4766% | 2,087 |
| Tier 1 risk-based capital ratio | 16.7667% | 2,343 |
| Total risk-based capital ratio | 17.6783% | 2,399 |
| Memoranda: | ||
| Average total assets | $34,366,000 | 7,370 |
| Average earning assets | $31,920,000 | 7,335 |
| Average equity | $4,053,250 | 7,338 |
| Average total loans | $23,793,750 | 7,045 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0079% | 6,744 |
| Cost of funding earning assets | 2.2855% | 2,414 |
| Net interest margin | 2.7224% | 7,159 |
| Noninterest income to average assets | 1.1268% | 1,239 |
| Noninterest expense to average assets | 3.2220% | 3,264 |
| Loan and lease loss provision to assets | 0.2054% | 4,998 |
| Net operating income to assets | 0.1643% | 5,377 |
| Return on assets (ROA) | 0.1643% | 5,474 |
| Pretax return on assets | 0.2230% | 5,403 |
| Return on Equity (ROE) | 1.3857% | 5,503 |
| Retained earnings to average equity (ytd only) | 1.3857% | 4,567 |
| Net charge-offs to loans | -0.0598% | 7,876 |
| Credit loss provision to net charge-offs | -500.0000% | 7,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2637% | 1,984 |
| Assets per employee ($millions) | 3.4675% | 4,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8181% | 1,997 |
| Loan loss allowance to noncurrent loans | 565.8228% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.6402% | 5,818 |
| Noncurrent loans to loans | 0.3213% | 6,708 |
| Net loans and leases to total assets | 69.6150% | 3,789 |
| Net loans and leases to deposits | 80.6057% | 4,458 |
| Net loans and leases to core deposits | 97.8952% | 4,710 |
| Total domestic deposits to total assets | 86.3648% | 2,589 |
| Equity capital to assets | 11.7116% | 2,380 |
| Core capital (leverage) ratio | 11.6301% | 2,022 |
| Tier 1 risk-based capital ratio | 16.4837% | 2,451 |
| Total risk-based capital ratio | 17.7521% | 2,389 |
| Memoranda: | ||
| Average total assets | $34,078,670 | 7,446 |
| Average earning assets | $31,590,330 | 7,414 |
| Average equity | $4,041,330 | 7,399 |
| Average total loans | $23,414,670 | 7,119 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9906% | 6,950 |
| Cost of funding earning assets | 2.3221% | 2,607 |
| Net interest margin | 2.6685% | 7,269 |
| Noninterest income to average assets | 1.0302% | 1,405 |
| Noninterest expense to average assets | 3.3392% | 2,539 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1184% | 5,929 |
| Return on assets (ROA) | 0.1184% | 6,091 |
| Pretax return on assets | 0.1539% | 6,041 |
| Return on Equity (ROE) | 0.9922% | 6,126 |
| Retained earnings to average equity (ytd only) | 0.9922% | 5,246 |
| Net charge-offs to loans | 0.0701% | 4,493 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 3,229 |
| Efficiency ratio | 95.5932% | 1,336 |
| Assets per employee ($millions) | 3.0489% | 6,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7668% | 1,933 |
| Loan loss allowance to noncurrent loans | 72.7768% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 2.0693% | 2,795 |
| Noncurrent loans to loans | 2.4276% | 2,712 |
| Net loans and leases to total assets | 66.4798% | 4,471 |
| Net loans and leases to deposits | 76.5003% | 5,153 |
| Net loans and leases to core deposits | 91.3434% | 5,419 |
| Total domestic deposits to total assets | 86.9014% | 2,266 |
| Equity capital to assets | 12.0639% | 2,221 |
| Core capital (leverage) ratio | 11.9803% | 1,909 |
| Tier 1 risk-based capital ratio | 17.2672% | 2,251 |
| Total risk-based capital ratio | 18.5323% | 2,197 |
| Memoranda: | ||
| Average total assets | $33,780,500 | 7,499 |
| Average earning assets | $31,178,500 | 7,468 |
| Average equity | $4,031,500 | 7,444 |
| Average total loans | $22,829,000 | 7,192 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8603% | 6,232 |
| Cost of funding earning assets | 2.7825% | 2,777 |
| Net interest margin | 3.0779% | 6,712 |
| Noninterest income to average assets | 0.8811% | 2,052 |
| Noninterest expense to average assets | 3.2248% | 3,237 |
| Loan and lease loss provision to assets | 1.1985% | 1,200 |
| Net operating income to assets | -0.4005% | 6,823 |
| Return on assets (ROA) | -0.4005% | 6,703 |
| Pretax return on assets | -0.6675% | 6,785 |
| Return on Equity (ROE) | -3.2734% | 6,652 |
| Retained earnings to average equity (ytd only) | -3.2734% | 6,168 |
| Net charge-offs to loans | 0.4722% | 2,471 |
| Credit loss provision to net charge-offs | 374.0741% | 1,179 |
| Earnings coverage of net charge-offs (x) | 1.6574% | 5,256 |
| Efficiency ratio | 85.8610% | 1,865 |
| Assets per employee ($millions) | 3.4023% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7639% | 1,725 |
| Loan loss allowance to noncurrent loans | 75.1391% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 2.0751% | 2,373 |
| Noncurrent loans to loans | 2.3475% | 2,348 |
| Net loans and leases to total assets | 66.2963% | 4,791 |
| Net loans and leases to deposits | 83.0486% | 4,570 |
| Net loans and leases to core deposits | 97.2074% | 5,127 |
| Total domestic deposits to total assets | 79.8284% | 5,088 |
| Equity capital to assets | 11.8067% | 2,424 |
| Core capital (leverage) ratio | 11.7690% | 2,090 |
| Tier 1 risk-based capital ratio | 16.9032% | 2,340 |
| Total risk-based capital ratio | 18.1636% | 2,283 |
| Memoranda: | ||
| Average total assets | $33,707,600 | 7,478 |
| Average earning assets | $31,482,800 | 7,437 |
| Average equity | $4,124,200 | 7,463 |
| Average total loans | $22,873,600 | 7,145 |