Home > Lake City Federal Bank > Performance and Condition Ratios
Lake City Federal Bank, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 3,871 |
| Cost of funding earning assets | 0.9821% | 4,003 |
| Net interest margin | 3.3914% | 2,122 |
| Noninterest income to average assets | 0.1900% | 3,706 |
| Noninterest expense to average assets | 2.5632% | 2,074 |
| Loan and lease loss provision to assets | -0.1500% | 4,483 |
| Net operating income to assets | 0.7523% | 2,671 |
| Return on assets (ROA) | 0.7523% | 2,690 |
| Pretax return on assets | 1.0222% | 2,324 |
| Return on Equity (ROE) | 5.5700% | 3,327 |
| Retained earnings to average equity (ytd only) | 5.5724% | 2,241 |
| Net charge-offs to loans | -0.0533% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 74.6224% | 1,677 |
| Assets per employee ($millions) | 8.1969% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 1,284 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 3,456 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 59.3200% | 2,926 |
| Net loans and leases to deposits | 70.1705% | 2,868 |
| Net loans and leases to core deposits | 70.4563% | 3,310 |
| Total domestic deposits to total assets | 84.5300% | 2,561 |
| Equity capital to assets | 14.1897% | 651 |
| Core capital (leverage) ratio | 14.7572% | 640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $77,092,000 | 4,040 |
| Average earning assets | $73,716,000 | 3,999 |
| Average equity | $10,408,500 | 3,746 |
| Average total loans | $45,022,000 | 3,936 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9113% | 4,072 |
| Cost of funding earning assets | 0.7330% | 3,876 |
| Net interest margin | 3.1783% | 2,927 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.6939% | 1,750 |
| Loan and lease loss provision to assets | -0.3700% | 4,583 |
| Net operating income to assets | 0.6732% | 3,255 |
| Return on assets (ROA) | 0.6732% | 3,240 |
| Pretax return on assets | 0.8937% | 2,977 |
| Return on Equity (ROE) | 5.3500% | 3,661 |
| Retained earnings to average equity (ytd only) | 5.3452% | 2,468 |
| Net charge-offs to loans | -0.0563% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 83.6614% | 681 |
| Assets per employee ($millions) | 8.0412% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4414% | 1,228 |
| Loan loss allowance to noncurrent loans | 1,028.1250% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 2,793 |
| Noncurrent loans to loans | 0.1402% | 2,812 |
| Net loans and leases to total assets | 55.9500% | 3,201 |
| Net loans and leases to deposits | 65.0709% | 3,232 |
| Net loans and leases to core deposits | 65.3099% | 3,529 |
| Total domestic deposits to total assets | 85.9900% | 2,021 |
| Equity capital to assets | 12.8700% | 883 |
| Core capital (leverage) ratio | 14.0357% | 800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $78,881,200 | 4,023 |
| Average earning assets | $75,166,400 | 3,976 |
| Average equity | $9,934,200 | 3,728 |
| Average total loans | $44,427,800 | 3,925 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 4,094 |
| Cost of funding earning assets | 0.6725% | 3,827 |
| Net interest margin | 3.1469% | 3,037 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.6955% | 1,671 |
| Loan and lease loss provision to assets | -0.5000% | 4,613 |
| Net operating income to assets | 0.7355% | 3,218 |
| Return on assets (ROA) | 0.7355% | 3,205 |
| Pretax return on assets | 0.9817% | 2,905 |
| Return on Equity (ROE) | 5.8700% | 3,664 |
| Retained earnings to average equity (ytd only) | 5.8727% | 2,666 |
| Net charge-offs to loans | -0.0574% | 4,396 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.7304% | 575 |
| Assets per employee ($millions) | 6.9078% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 1,240 |
| Loan loss allowance to noncurrent loans | 970.1493% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 2,747 |
| Noncurrent loans to loans | 0.1499% | 2,807 |
| Net loans and leases to total assets | 57.9800% | 3,030 |
| Net loans and leases to deposits | 67.6774% | 3,000 |
| Net loans and leases to core deposits | 67.9404% | 3,330 |
| Total domestic deposits to total assets | 85.6800% | 2,286 |
| Equity capital to assets | 13.0695% | 799 |
| Core capital (leverage) ratio | 13.9965% | 829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $78,498,500 | 4,047 |
| Average earning assets | $74,739,500 | 4,002 |
| Average equity | $9,830,500 | 3,739 |
| Average total loans | $44,122,250 | 3,943 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6424% | 4,207 |
| Cost of funding earning assets | 0.6115% | 3,719 |
| Net interest margin | 3.0310% | 3,350 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.5260% | 2,132 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4260% | 3,952 |
| Return on assets (ROA) | 0.4260% | 3,955 |
| Pretax return on assets | 0.5470% | 3,885 |
| Return on Equity (ROE) | 3.4500% | 4,104 |
| Retained earnings to average equity (ytd only) | 3.4500% | 3,365 |
| Net charge-offs to loans | -0.0592% | 4,414 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.1985% | 696 |
| Assets per employee ($millions) | 6.4373% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1263% | 345 |
| Loan loss allowance to noncurrent loans | 1,376.4706% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 2,645 |
| Noncurrent loans to loans | 0.1545% | 2,697 |
| Net loans and leases to total assets | 55.7800% | 3,138 |
| Net loans and leases to deposits | 64.8607% | 3,137 |
| Net loans and leases to core deposits | 65.1077% | 3,393 |
| Total domestic deposits to total assets | 85.9900% | 2,231 |
| Equity capital to assets | 12.7578% | 869 |
| Core capital (leverage) ratio | 13.4735% | 885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $79,336,000 | 4,052 |
| Average earning assets | $75,553,667 | 4,010 |
| Average equity | $9,797,000 | 3,765 |
| Average total loans | $43,926,333 | 3,957 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4569% | 4,314 |
| Cost of funding earning assets | 0.5065% | 3,666 |
| Net interest margin | 2.9504% | 3,692 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.4334% | 2,428 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4379% | 4,024 |
| Return on assets (ROA) | 0.4379% | 3,975 |
| Pretax return on assets | 0.5623% | 3,905 |
| Return on Equity (ROE) | 3.6000% | 4,102 |
| Retained earnings to average equity (ytd only) | 3.6036% | 3,369 |
| Net charge-offs to loans | -0.0547% | 4,383 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.2292% | 752 |
| Assets per employee ($millions) | 6.0471% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1114% | 375 |
| Loan loss allowance to noncurrent loans | 1,327.1429% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 2,610 |
| Noncurrent loans to loans | 0.1591% | 2,692 |
| Net loans and leases to total assets | 54.7900% | 3,140 |
| Net loans and leases to deposits | 63.5153% | 3,128 |
| Net loans and leases to core deposits | 63.7513% | 3,364 |
| Total domestic deposits to total assets | 86.2600% | 2,520 |
| Equity capital to assets | 12.5363% | 860 |
| Core capital (leverage) ratio | 13.2315% | 903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $80,380,500 | 4,096 |
| Average earning assets | $76,601,000 | 4,045 |
| Average equity | $9,768,000 | 3,814 |
| Average total loans | $43,879,000 | 3,999 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0890% | 4,006 |
| Cost of funding earning assets | 0.2704% | 3,152 |
| Net interest margin | 2.8185% | 3,851 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.5943% | 1,843 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2616% | 4,404 |
| Return on assets (ROA) | 0.2616% | 4,381 |
| Pretax return on assets | 0.3179% | 4,364 |
| Return on Equity (ROE) | 2.2000% | 4,370 |
| Retained earnings to average equity (ytd only) | 2.1968% | 3,937 |
| Net charge-offs to loans | -0.0089% | 3,788 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 89.0848% | 326 |
| Assets per employee ($millions) | 6.3192% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1093% | 359 |
| Loan loss allowance to noncurrent loans | 1,281.9444% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.1266% | 2,644 |
| Noncurrent loans to loans | 0.1645% | 2,663 |
| Net loans and leases to total assets | 52.1400% | 3,348 |
| Net loans and leases to deposits | 59.8990% | 3,334 |
| Net loans and leases to core deposits | 60.1100% | 3,500 |
| Total domestic deposits to total assets | 87.0500% | 2,380 |
| Equity capital to assets | 11.7847% | 995 |
| Core capital (leverage) ratio | 12.9848% | 947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $81,795,200 | 4,102 |
| Average earning assets | $78,019,600 | 4,065 |
| Average equity | $9,741,400 | 3,903 |
| Average total loans | $44,728,600 | 3,983 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9726% | 3,933 |
| Cost of funding earning assets | 0.2480% | 2,729 |
| Net interest margin | 2.7246% | 3,877 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.6501% | 1,593 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1534% | 4,507 |
| Return on assets (ROA) | 0.1534% | 4,477 |
| Pretax return on assets | 0.1664% | 4,484 |
| Return on Equity (ROE) | 1.2800% | 4,473 |
| Retained earnings to average equity (ytd only) | 1.2846% | 4,176 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 94.0904% | 227 |
| Assets per employee ($millions) | 5.6865% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0781% | 432 |
| Loan loss allowance to noncurrent loans | 793.1034% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1859% | 2,359 |
| Noncurrent loans to loans | 0.2620% | 2,328 |
| Net loans and leases to total assets | 54.4500% | 3,053 |
| Net loans and leases to deposits | 62.6903% | 2,969 |
| Net loans and leases to core deposits | 62.9178% | 3,197 |
| Total domestic deposits to total assets | 86.8600% | 2,808 |
| Equity capital to assets | 11.9079% | 904 |
| Core capital (leverage) ratio | 12.3157% | 1,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $81,706,750 | 4,134 |
| Average earning assets | $77,953,250 | 4,089 |
| Average equity | $9,756,500 | 3,943 |
| Average total loans | $44,971,250 | 4,000 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8023% | 3,972 |
| Cost of funding earning assets | 0.2490% | 2,285 |
| Net interest margin | 2.5533% | 3,999 |
| Noninterest income to average assets | 0.2233% | 3,856 |
| Noninterest expense to average assets | 2.6066% | 1,622 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0752% | 4,534 |
| Return on assets (ROA) | 0.0752% | 4,500 |
| Pretax return on assets | 0.0558% | 4,513 |
| Return on Equity (ROE) | 0.6295% | 4,503 |
| Retained earnings to average equity (ytd only) | 0.6295% | 4,070 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9034% | 219 |
| Assets per employee ($millions) | 5.9619% | 2,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0807% | 465 |
| Loan loss allowance to noncurrent loans | 717.9688% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 2,383 |
| Noncurrent loans to loans | 0.2898% | 2,311 |
| Net loans and leases to total assets | 51.8163% | 3,179 |
| Net loans and leases to deposits | 59.4063% | 3,098 |
| Net loans and leases to core deposits | 59.6538% | 3,297 |
| Total domestic deposits to total assets | 87.2235% | 2,862 |
| Equity capital to assets | 11.5939% | 1,000 |
| Core capital (leverage) ratio | 12.0966% | 1,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,405,333 | 4,171 |
| Average earning assets | $78,721,667 | 4,133 |
| Average equity | $9,848,667 | 4,012 |
| Average total loans | $45,204,667 | 4,045 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7108% | 3,930 |
| Cost of funding earning assets | 0.2557% | 2,093 |
| Net interest margin | 2.4550% | 3,985 |
| Noninterest income to average assets | 0.2638% | 3,546 |
| Noninterest expense to average assets | 2.6626% | 1,443 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0000% | 4,549 |
| Return on assets (ROA) | 0.0000% | 4,528 |
| Pretax return on assets | -0.0537% | 4,547 |
| Return on Equity (ROE) | 0.0000% | 4,528 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,010 |
| Net charge-offs to loans | -0.0175% | 3,846 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0599% | 214 |
| Assets per employee ($millions) | 5.4688% | 3,339 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0391% | 582 |
| Loan loss allowance to noncurrent loans | 708.4615% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1975% | 2,446 |
| Noncurrent loans to loans | 0.2878% | 2,441 |
| Net loans and leases to total assets | 53.9375% | 2,767 |
| Net loans and leases to deposits | 62.1686% | 2,702 |
| Net loans and leases to core deposits | 62.4335% | 2,935 |
| Total domestic deposits to total assets | 86.7600% | 3,013 |
| Equity capital to assets | 11.9149% | 989 |
| Core capital (leverage) ratio | 12.1969% | 1,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,875,000 | 4,197 |
| Average earning assets | $78,207,000 | 4,161 |
| Average equity | $9,934,500 | 4,060 |
| Average total loans | $45,723,000 | 4,043 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4745% | 2,736 |
| Cost of funding earning assets | 0.3618% | 1,838 |
| Net interest margin | 3.1127% | 2,868 |
| Noninterest income to average assets | 0.2591% | 3,827 |
| Noninterest expense to average assets | 2.5391% | 2,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5786% | 3,923 |
| Return on assets (ROA) | 0.5786% | 3,966 |
| Pretax return on assets | 0.6921% | 3,940 |
| Return on Equity (ROE) | 4.7010% | 4,060 |
| Retained earnings to average equity (ytd only) | 4.7010% | 2,922 |
| Net charge-offs to loans | -0.3516% | 4,760 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5796% | 900 |
| Assets per employee ($millions) | 5.4479% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9879% | 615 |
| Loan loss allowance to noncurrent loans | 647.8873% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 2,128 |
| Noncurrent loans to loans | 0.3068% | 2,492 |
| Net loans and leases to total assets | 55.5067% | 2,676 |
| Net loans and leases to deposits | 64.1597% | 2,675 |
| Net loans and leases to core deposits | 64.7865% | 2,917 |
| Total domestic deposits to total assets | 86.5134% | 2,709 |
| Equity capital to assets | 12.3535% | 1,106 |
| Core capital (leverage) ratio | 12.1865% | 1,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,052,200 | 4,204 |
| Average earning assets | $77,393,400 | 4,163 |
| Average equity | $9,976,600 | 4,134 |
| Average total loans | $49,490,000 | 4,010 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6645% | 2,367 |
| Cost of funding earning assets | 0.3677% | 1,959 |
| Net interest margin | 3.2969% | 2,424 |
| Noninterest income to average assets | 0.2126% | 4,127 |
| Noninterest expense to average assets | 2.4989% | 2,123 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7039% | 3,756 |
| Return on assets (ROA) | 0.7039% | 3,826 |
| Pretax return on assets | 0.8621% | 3,770 |
| Return on Equity (ROE) | 5.7235% | 3,980 |
| Retained earnings to average equity (ytd only) | 5.7235% | 2,944 |
| Net charge-offs to loans | 0.0106% | 1,928 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 130.7500% | 739 |
| Efficiency ratio | 74.3502% | 1,185 |
| Assets per employee ($millions) | 5.4227% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 1,566 |
| Loan loss allowance to noncurrent loans | 515.2778% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2914% | 2,315 |
| Noncurrent loans to loans | 0.2943% | 2,736 |
| Net loans and leases to total assets | 59.2321% | 2,347 |
| Net loans and leases to deposits | 70.1014% | 2,236 |
| Net loans and leases to core deposits | 70.8050% | 2,530 |
| Total domestic deposits to total assets | 84.4949% | 3,299 |
| Equity capital to assets | 12.4230% | 1,211 |
| Core capital (leverage) ratio | 12.0354% | 1,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,885,750 | 4,254 |
| Average earning assets | $77,243,000 | 4,214 |
| Average equity | $9,947,000 | 4,193 |
| Average total loans | $50,292,750 | 4,047 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7588% | 2,176 |
| Cost of funding earning assets | 0.3862% | 2,000 |
| Net interest margin | 3.3725% | 2,229 |
| Noninterest income to average assets | 0.2205% | 4,085 |
| Noninterest expense to average assets | 2.4624% | 2,264 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7878% | 3,542 |
| Return on assets (ROA) | 0.7878% | 3,610 |
| Pretax return on assets | 0.9810% | 3,484 |
| Return on Equity (ROE) | 6.4279% | 3,809 |
| Retained earnings to average equity (ytd only) | 6.4279% | 2,649 |
| Net charge-offs to loans | 0.0315% | 1,339 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 49.5000% | 1,073 |
| Efficiency ratio | 71.5108% | 1,477 |
| Assets per employee ($millions) | 5.3929% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 1,726 |
| Loan loss allowance to noncurrent loans | 407.1823% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 2,235 |
| Noncurrent loans to loans | 0.3586% | 2,614 |
| Net loans and leases to total assets | 61.4936% | 2,240 |
| Net loans and leases to deposits | 72.7539% | 2,139 |
| Net loans and leases to core deposits | 74.1595% | 2,394 |
| Total domestic deposits to total assets | 84.5228% | 3,277 |
| Equity capital to assets | 12.4510% | 1,154 |
| Core capital (leverage) ratio | 12.0383% | 1,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,734,000 | 4,279 |
| Average earning assets | $77,152,333 | 4,242 |
| Average equity | $9,894,333 | 4,212 |
| Average total loans | $50,749,667 | 4,068 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1464% | 3,790 |
| Cost of funding earning assets | 0.4154% | 1,973 |
| Net interest margin | 2.7310% | 3,897 |
| Noninterest income to average assets | 0.2430% | 3,941 |
| Noninterest expense to average assets | 2.4599% | 2,296 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3720% | 4,412 |
| Return on assets (ROA) | 0.3720% | 4,440 |
| Pretax return on assets | 0.3918% | 4,493 |
| Return on Equity (ROE) | 3.0595% | 4,462 |
| Retained earnings to average equity (ytd only) | 3.0595% | 3,764 |
| Net charge-offs to loans | 0.0943% | 715 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 6.5833% | 1,643 |
| Efficiency ratio | 86.2609% | 499 |
| Assets per employee ($millions) | 6.2951% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 1,806 |
| Loan loss allowance to noncurrent loans | 396.2162% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 2,441 |
| Noncurrent loans to loans | 0.3634% | 2,779 |
| Net loans and leases to total assets | 61.3129% | 2,360 |
| Net loans and leases to deposits | 72.1147% | 2,301 |
| Net loans and leases to core deposits | 73.7806% | 2,533 |
| Total domestic deposits to total assets | 85.0213% | 3,081 |
| Equity capital to assets | 11.9776% | 1,297 |
| Core capital (leverage) ratio | 12.0775% | 1,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,654,500 | 4,296 |
| Average earning assets | $77,040,000 | 4,264 |
| Average equity | $9,805,500 | 4,233 |
| Average total loans | $50,884,000 | 4,074 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7823% | 3,350 |
| Cost of funding earning assets | 0.5704% | 2,504 |
| Net interest margin | 3.2119% | 3,328 |
| Noninterest income to average assets | 0.2136% | 4,209 |
| Noninterest expense to average assets | 2.7535% | 2,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4031% | 4,237 |
| Return on assets (ROA) | 0.4031% | 4,322 |
| Pretax return on assets | 0.5192% | 4,240 |
| Return on Equity (ROE) | 3.1384% | 4,343 |
| Retained earnings to average equity (ytd only) | 3.1384% | 3,267 |
| Net charge-offs to loans | 0.0231% | 2,584 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 32.4167% | 1,541 |
| Efficiency ratio | 84.1354% | 618 |
| Assets per employee ($millions) | 5.2982% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 1,712 |
| Loan loss allowance to noncurrent loans | 260.4895% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 2,456 |
| Noncurrent loans to loans | 0.5623% | 2,294 |
| Net loans and leases to total assets | 63.0579% | 2,480 |
| Net loans and leases to deposits | 74.5689% | 2,427 |
| Net loans and leases to core deposits | 76.3502% | 2,701 |
| Total domestic deposits to total assets | 84.5633% | 2,924 |
| Equity capital to assets | 12.3426% | 1,398 |
| Core capital (leverage) ratio | 12.3070% | 1,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,921,600 | 4,312 |
| Average earning assets | $71,359,200 | 4,273 |
| Average equity | $9,622,600 | 4,233 |
| Average total loans | $51,856,200 | 4,071 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9021% | 3,246 |
| Cost of funding earning assets | 0.6016% | 2,604 |
| Net interest margin | 3.3005% | 3,189 |
| Noninterest income to average assets | 0.2187% | 4,179 |
| Noninterest expense to average assets | 2.8352% | 1,865 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4030% | 4,261 |
| Return on assets (ROA) | 0.4030% | 4,323 |
| Pretax return on assets | 0.5258% | 4,232 |
| Return on Equity (ROE) | 3.1049% | 4,369 |
| Retained earnings to average equity (ytd only) | 3.1049% | 3,475 |
| Net charge-offs to loans | 0.0077% | 2,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 97.0000% | 809 |
| Efficiency ratio | 84.3548% | 581 |
| Assets per employee ($millions) | 5.0737% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 1,583 |
| Loan loss allowance to noncurrent loans | 124.2175% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.8212% | 1,404 |
| Noncurrent loans to loans | 1.1576% | 1,309 |
| Net loans and leases to total assets | 67.9053% | 2,259 |
| Net loans and leases to deposits | 80.7980% | 2,222 |
| Net loans and leases to core deposits | 82.4256% | 2,629 |
| Total domestic deposits to total assets | 84.0433% | 2,808 |
| Equity capital to assets | 12.7809% | 1,292 |
| Core capital (leverage) ratio | 12.4080% | 1,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,783,750 | 4,339 |
| Average earning assets | $70,250,750 | 4,303 |
| Average equity | $9,576,000 | 4,253 |
| Average total loans | $52,105,500 | 4,090 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0040% | 3,310 |
| Cost of funding earning assets | 0.6304% | 2,811 |
| Net interest margin | 3.3736% | 3,174 |
| Noninterest income to average assets | 0.2191% | 4,179 |
| Noninterest expense to average assets | 2.8572% | 1,957 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4356% | 4,154 |
| Return on assets (ROA) | 0.4356% | 4,218 |
| Pretax return on assets | 0.5725% | 4,114 |
| Return on Equity (ROE) | 3.3383% | 4,278 |
| Retained earnings to average equity (ytd only) | 3.3383% | 3,259 |
| Net charge-offs to loans | 0.0269% | 2,184 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 29.8571% | 1,439 |
| Efficiency ratio | 83.3067% | 679 |
| Assets per employee ($millions) | 4.4484% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 1,558 |
| Loan loss allowance to noncurrent loans | 105.7828% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.9614% | 1,258 |
| Noncurrent loans to loans | 1.3293% | 1,162 |
| Net loans and leases to total assets | 69.5380% | 2,105 |
| Net loans and leases to deposits | 82.6915% | 2,124 |
| Net loans and leases to core deposits | 84.3617% | 2,585 |
| Total domestic deposits to total assets | 84.0933% | 2,722 |
| Equity capital to assets | 12.7397% | 1,263 |
| Core capital (leverage) ratio | 12.5873% | 1,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,009,667 | 4,354 |
| Average earning assets | $69,480,000 | 4,325 |
| Average equity | $9,525,667 | 4,274 |
| Average total loans | $51,996,000 | 4,104 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9400% | 3,957 |
| Cost of funding earning assets | 0.6635% | 3,097 |
| Net interest margin | 3.2765% | 3,653 |
| Noninterest income to average assets | 0.2455% | 4,086 |
| Noninterest expense to average assets | 2.9845% | 1,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2957% | 4,357 |
| Return on assets (ROA) | 0.2957% | 4,379 |
| Pretax return on assets | 0.3738% | 4,345 |
| Return on Equity (ROE) | 2.2383% | 4,398 |
| Retained earnings to average equity (ytd only) | 2.2383% | 3,355 |
| Net charge-offs to loans | -0.0078% | 3,991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8704% | 542 |
| Assets per employee ($millions) | 4.0127% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4622% | 1,482 |
| Loan loss allowance to noncurrent loans | 224.2604% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 2,518 |
| Noncurrent loans to loans | 0.6520% | 2,361 |
| Net loans and leases to total assets | 70.7237% | 2,129 |
| Net loans and leases to deposits | 84.8188% | 2,128 |
| Net loans and leases to core deposits | 86.6210% | 2,631 |
| Total domestic deposits to total assets | 83.3820% | 2,988 |
| Equity capital to assets | 13.3423% | 1,289 |
| Core capital (leverage) ratio | 13.1182% | 1,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,703,500 | 4,383 |
| Average earning assets | $68,122,500 | 4,347 |
| Average equity | $9,471,500 | 4,297 |
| Average total loans | $51,326,000 | 4,131 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1406% | 3,952 |
| Cost of funding earning assets | 0.6191% | 3,565 |
| Net interest margin | 3.5216% | 3,377 |
| Noninterest income to average assets | 0.3051% | 3,862 |
| Noninterest expense to average assets | 2.7675% | 2,699 |
| Loan and lease loss provision to assets | -0.5703% | 5,171 |
| Net operating income to assets | 1.0352% | 2,714 |
| Return on assets (ROA) | 1.0352% | 2,805 |
| Pretax return on assets | 1.4415% | 2,006 |
| Return on Equity (ROE) | 8.2425% | 3,061 |
| Retained earnings to average equity (ytd only) | 8.2425% | 902 |
| Net charge-offs to loans | -0.0137% | 4,552 |
| Credit loss provision to net charge-offs | 5,714.2857% | 79 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0580% | 1,360 |
| Assets per employee ($millions) | 3.9543% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 1,261 |
| Loan loss allowance to noncurrent loans | 192.1320% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.5788% | 2,156 |
| Noncurrent loans to loans | 0.7754% | 1,962 |
| Net loans and leases to total assets | 70.3223% | 2,342 |
| Net loans and leases to deposits | 82.6792% | 2,478 |
| Net loans and leases to core deposits | 84.0664% | 2,943 |
| Total domestic deposits to total assets | 85.0544% | 2,471 |
| Equity capital to assets | 13.0743% | 1,476 |
| Core capital (leverage) ratio | 13.2908% | 1,119 |
| Tier 1 risk-based capital ratio | 21.8319% | 1,047 |
| Total risk-based capital ratio | 23.0875% | 1,024 |
| Memoranda: | ||
| Average total assets | $70,134,400 | 4,427 |
| Average earning assets | $66,390,800 | 4,401 |
| Average equity | $8,808,000 | 4,406 |
| Average total loans | $51,096,600 | 4,158 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1158% | 4,119 |
| Cost of funding earning assets | 0.6154% | 3,615 |
| Net interest margin | 3.5005% | 3,564 |
| Noninterest income to average assets | 0.3187% | 3,839 |
| Noninterest expense to average assets | 2.7439% | 2,732 |
| Loan and lease loss provision to assets | -0.7633% | 5,253 |
| Net operating income to assets | 1.1792% | 2,265 |
| Return on assets (ROA) | 1.1792% | 2,348 |
| Pretax return on assets | 1.6487% | 1,475 |
| Return on Equity (ROE) | 9.4890% | 2,677 |
| Retained earnings to average equity (ytd only) | 9.4890% | 899 |
| Net charge-offs to loans | -0.0860% | 4,966 |
| Credit loss provision to net charge-offs | 1,212.1212% | 297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6046% | 1,370 |
| Assets per employee ($millions) | 4.6178% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 1,198 |
| Loan loss allowance to noncurrent loans | 256.7213% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4663% | 2,661 |
| Noncurrent loans to loans | 0.5920% | 2,510 |
| Net loans and leases to total assets | 73.2427% | 1,958 |
| Net loans and leases to deposits | 86.3923% | 2,148 |
| Net loans and leases to core deposits | 87.8813% | 2,747 |
| Total domestic deposits to total assets | 84.7792% | 2,516 |
| Equity capital to assets | 13.2791% | 1,471 |
| Core capital (leverage) ratio | 12.9412% | 1,366 |
| Tier 1 risk-based capital ratio | 22.0980% | 1,057 |
| Total risk-based capital ratio | 23.3548% | 1,026 |
| Memoranda: | ||
| Average total assets | $69,873,500 | 4,486 |
| Average earning assets | $66,084,500 | 4,456 |
| Average equity | $8,683,500 | 4,468 |
| Average total loans | $51,168,000 | 4,209 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 4,138 |
| Cost of funding earning assets | 0.6042% | 3,629 |
| Net interest margin | 3.5043% | 3,582 |
| Noninterest income to average assets | 0.3254% | 3,764 |
| Noninterest expense to average assets | 2.7599% | 2,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6450% | 4,184 |
| Return on assets (ROA) | 0.6450% | 4,231 |
| Pretax return on assets | 0.8762% | 3,918 |
| Return on Equity (ROE) | 5.3102% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.3102% | 2,618 |
| Net charge-offs to loans | -0.1136% | 5,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9027% | 1,407 |
| Assets per employee ($millions) | 4.0786% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3318% | 283 |
| Loan loss allowance to noncurrent loans | 886.4662% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 3,702 |
| Noncurrent loans to loans | 0.2630% | 3,587 |
| Net loans and leases to total assets | 71.2213% | 2,338 |
| Net loans and leases to deposits | 84.1275% | 2,483 |
| Net loans and leases to core deposits | 85.5707% | 2,990 |
| Total domestic deposits to total assets | 84.6588% | 2,617 |
| Equity capital to assets | 12.6082% | 1,794 |
| Core capital (leverage) ratio | 12.5236% | 1,526 |
| Tier 1 risk-based capital ratio | 21.6341% | 1,101 |
| Total risk-based capital ratio | 22.9051% | 1,079 |
| Memoranda: | ||
| Average total assets | $70,075,670 | 4,516 |
| Average earning assets | $66,203,670 | 4,492 |
| Average equity | $8,512,000 | 4,515 |
| Average total loans | $51,052,000 | 4,238 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0768% | 4,193 |
| Cost of funding earning assets | 0.5841% | 3,657 |
| Net interest margin | 3.4927% | 3,610 |
| Noninterest income to average assets | 0.2669% | 4,092 |
| Noninterest expense to average assets | 2.8050% | 2,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5565% | 4,369 |
| Return on assets (ROA) | 0.5565% | 4,399 |
| Pretax return on assets | 0.7552% | 4,162 |
| Return on Equity (ROE) | 4.6683% | 4,416 |
| Retained earnings to average equity (ytd only) | 4.6683% | 3,049 |
| Net charge-offs to loans | -0.0546% | 4,861 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7879% | 1,182 |
| Assets per employee ($millions) | 4.0965% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2715% | 316 |
| Loan loss allowance to noncurrent loans | 869.9248% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 3,757 |
| Noncurrent loans to loans | 0.2611% | 3,627 |
| Net loans and leases to total assets | 71.4805% | 2,257 |
| Net loans and leases to deposits | 84.7475% | 2,292 |
| Net loans and leases to core deposits | 86.1944% | 2,850 |
| Total domestic deposits to total assets | 84.3452% | 2,927 |
| Equity capital to assets | 12.1769% | 1,915 |
| Core capital (leverage) ratio | 12.3168% | 1,597 |
| Tier 1 risk-based capital ratio | 20.9086% | 1,176 |
| Total risk-based capital ratio | 22.1772% | 1,153 |
| Memoranda: | ||
| Average total assets | $70,445,500 | 4,560 |
| Average earning assets | $66,425,000 | 4,538 |
| Average equity | $8,397,000 | 4,557 |
| Average total loans | $51,297,500 | 4,279 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0513% | 3,886 |
| Cost of funding earning assets | 0.5897% | 2,793 |
| Net interest margin | 3.4616% | 3,830 |
| Noninterest income to average assets | 0.2670% | 4,326 |
| Noninterest expense to average assets | 2.6939% | 3,043 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6022% | 4,413 |
| Return on assets (ROA) | 0.6022% | 4,419 |
| Pretax return on assets | 0.8386% | 4,073 |
| Return on Equity (ROE) | 5.3718% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.3718% | 2,550 |
| Net charge-offs to loans | 0.0717% | 2,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 15.8684% | 2,294 |
| Efficiency ratio | 76.2598% | 1,325 |
| Assets per employee ($millions) | 4.1912% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2261% | 317 |
| Loan loss allowance to noncurrent loans | 337.2434% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 2,573 |
| Noncurrent loans to loans | 0.6601% | 2,344 |
| Net loans and leases to total assets | 70.8888% | 2,434 |
| Net loans and leases to deposits | 83.3454% | 2,586 |
| Net loans and leases to core deposits | 84.7196% | 3,020 |
| Total domestic deposits to total assets | 85.0542% | 2,625 |
| Equity capital to assets | 11.6686% | 2,124 |
| Core capital (leverage) ratio | 11.8610% | 1,828 |
| Tier 1 risk-based capital ratio | 20.4449% | 1,237 |
| Total risk-based capital ratio | 21.7142% | 1,209 |
| Memoranda: | ||
| Average total assets | $71,902,200 | 4,555 |
| Average earning assets | $67,829,600 | 4,530 |
| Average equity | $8,060,600 | 4,598 |
| Average total loans | $52,978,800 | 4,242 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0481% | 3,790 |
| Cost of funding earning assets | 0.5923% | 2,530 |
| Net interest margin | 3.4558% | 3,848 |
| Noninterest income to average assets | 0.2683% | 4,358 |
| Noninterest expense to average assets | 2.6772% | 3,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6087% | 4,479 |
| Return on assets (ROA) | 0.6087% | 4,490 |
| Pretax return on assets | 0.8511% | 4,166 |
| Return on Equity (ROE) | 5.4851% | 4,425 |
| Retained earnings to average equity (ytd only) | 5.4851% | 2,959 |
| Net charge-offs to loans | 0.1351% | 1,197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 8.5183% | 2,699 |
| Efficiency ratio | 75.8783% | 1,365 |
| Assets per employee ($millions) | 4.4768% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1844% | 373 |
| Loan loss allowance to noncurrent loans | 256.5611% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.6422% | 2,265 |
| Noncurrent loans to loans | 0.8514% | 2,000 |
| Net loans and leases to total assets | 70.8931% | 2,517 |
| Net loans and leases to deposits | 84.4405% | 2,543 |
| Net loans and leases to core deposits | 86.2388% | 2,976 |
| Total domestic deposits to total assets | 83.9562% | 2,960 |
| Equity capital to assets | 11.3641% | 2,347 |
| Core capital (leverage) ratio | 11.6501% | 2,047 |
| Tier 1 risk-based capital ratio | 19.7526% | 1,389 |
| Total risk-based capital ratio | 21.0202% | 1,352 |
| Memoranda: | ||
| Average total assets | $72,065,000 | 4,601 |
| Average earning assets | $67,981,000 | 4,572 |
| Average equity | $7,997,250 | 4,655 |
| Average total loans | $53,308,750 | 4,284 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9006% | 4,082 |
| Cost of funding earning assets | 0.5963% | 2,253 |
| Net interest margin | 3.3044% | 4,236 |
| Noninterest income to average assets | 0.2604% | 4,444 |
| Noninterest expense to average assets | 2.7143% | 2,965 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4764% | 4,803 |
| Return on assets (ROA) | 0.4764% | 4,807 |
| Pretax return on assets | 0.6620% | 4,614 |
| Return on Equity (ROE) | 4.3272% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.3272% | 3,436 |
| Net charge-offs to loans | 0.0781% | 1,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 11.3810% | 2,276 |
| Efficiency ratio | 80.3938% | 968 |
| Assets per employee ($millions) | 4.4856% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2175% | 363 |
| Loan loss allowance to noncurrent loans | 109.8870% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.5048% | 883 |
| Noncurrent loans to loans | 2.0179% | 739 |
| Net loans and leases to total assets | 71.7037% | 2,324 |
| Net loans and leases to deposits | 85.2596% | 2,404 |
| Net loans and leases to core deposits | 86.5502% | 2,874 |
| Total domestic deposits to total assets | 84.1004% | 3,028 |
| Equity capital to assets | 11.1789% | 2,476 |
| Core capital (leverage) ratio | 11.5091% | 2,068 |
| Tier 1 risk-based capital ratio | 19.4094% | 1,452 |
| Total risk-based capital ratio | 20.6766% | 1,404 |
| Memoranda: | ||
| Average total assets | $72,210,330 | 4,648 |
| Average earning assets | $68,091,670 | 4,619 |
| Average equity | $7,949,670 | 4,701 |
| Average total loans | $53,773,670 | 4,309 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8366% | 4,119 |
| Cost of funding earning assets | 0.6218% | 1,904 |
| Net interest margin | 3.2147% | 4,412 |
| Noninterest income to average assets | 0.2540% | 4,484 |
| Noninterest expense to average assets | 2.7889% | 2,734 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3590% | 4,998 |
| Return on assets (ROA) | 0.3590% | 5,005 |
| Pretax return on assets | 0.4915% | 4,884 |
| Return on Equity (ROE) | 3.2857% | 4,957 |
| Retained earnings to average equity (ytd only) | 3.2857% | 3,891 |
| Net charge-offs to loans | -0.0442% | 4,913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0168% | 712 |
| Assets per employee ($millions) | 4.4201% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2046% | 385 |
| Loan loss allowance to noncurrent loans | 104.0976% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.6473% | 807 |
| Noncurrent loans to loans | 2.1178% | 732 |
| Net loans and leases to total assets | 74.8929% | 1,726 |
| Net loans and leases to deposits | 89.1937% | 1,790 |
| Net loans and leases to core deposits | 90.5601% | 2,412 |
| Total domestic deposits to total assets | 83.9666% | 3,339 |
| Equity capital to assets | 11.1848% | 2,398 |
| Core capital (leverage) ratio | 11.4009% | 2,085 |
| Tier 1 risk-based capital ratio | 18.5340% | 1,679 |
| Total risk-based capital ratio | 19.8010% | 1,641 |
| Memoranda: | ||
| Average total assets | $72,431,000 | 4,701 |
| Average earning assets | $68,186,000 | 4,676 |
| Average equity | $7,913,000 | 4,760 |
| Average total loans | $54,346,500 | 4,338 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8939% | 3,743 |
| Cost of funding earning assets | 0.6706% | 1,180 |
| Net interest margin | 3.2233% | 4,380 |
| Noninterest income to average assets | 0.2935% | 4,359 |
| Noninterest expense to average assets | 2.6579% | 3,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2755% | 4,971 |
| Return on assets (ROA) | 0.2755% | 4,993 |
| Pretax return on assets | 0.6631% | 4,596 |
| Return on Equity (ROE) | 2.5460% | 4,937 |
| Retained earnings to average equity (ytd only) | 2.5460% | 3,802 |
| Net charge-offs to loans | -0.0826% | 5,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0333% | 1,097 |
| Assets per employee ($millions) | 4.6338% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1785% | 390 |
| Loan loss allowance to noncurrent loans | 30.1141% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 5.3452% | 84 |
| Noncurrent loans to loans | 7.2340% | 55 |
| Net loans and leases to total assets | 71.9521% | 2,246 |
| Net loans and leases to deposits | 86.2227% | 2,233 |
| Net loans and leases to core deposits | 87.4854% | 2,768 |
| Total domestic deposits to total assets | 83.4491% | 3,402 |
| Equity capital to assets | 10.6770% | 2,967 |
| Core capital (leverage) ratio | 11.0552% | 2,281 |
| Tier 1 risk-based capital ratio | 17.4749% | 1,950 |
| Total risk-based capital ratio | 18.7401% | 1,897 |
| Memoranda: | ||
| Average total assets | $72,238,200 | 4,744 |
| Average earning assets | $67,849,000 | 4,708 |
| Average equity | $7,816,200 | 4,811 |
| Average total loans | $54,461,200 | 4,349 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7540% | 4,162 |
| Cost of funding earning assets | 0.6672% | 1,136 |
| Net interest margin | 3.0868% | 4,744 |
| Noninterest income to average assets | 0.2973% | 4,405 |
| Noninterest expense to average assets | 2.6513% | 3,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3567% | 5,089 |
| Return on assets (ROA) | 0.3567% | 5,109 |
| Pretax return on assets | 0.5425% | 4,942 |
| Return on Equity (ROE) | 3.2856% | 5,041 |
| Retained earnings to average equity (ytd only) | 3.2856% | 3,968 |
| Net charge-offs to loans | -0.0686% | 5,269 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0134% | 838 |
| Assets per employee ($millions) | 4.5596% | 3,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1212% | 466 |
| Loan loss allowance to noncurrent loans | 27.6505% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 5.8832% | 72 |
| Noncurrent loans to loans | 7.6715% | 57 |
| Net loans and leases to total assets | 74.0645% | 1,902 |
| Net loans and leases to deposits | 90.6335% | 1,733 |
| Net loans and leases to core deposits | 92.0055% | 2,443 |
| Total domestic deposits to total assets | 81.7186% | 3,862 |
| Equity capital to assets | 10.8740% | 2,989 |
| Core capital (leverage) ratio | 11.2693% | 2,208 |
| Tier 1 risk-based capital ratio | 17.0207% | 2,148 |
| Total risk-based capital ratio | 18.2848% | 2,099 |
| Memoranda: | ||
| Average total assets | $71,762,500 | 4,800 |
| Average earning assets | $67,339,750 | 4,766 |
| Average equity | $7,791,250 | 4,866 |
| Average total loans | $54,443,000 | 4,380 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7109% | 4,192 |
| Cost of funding earning assets | 0.6698% | 1,041 |
| Net interest margin | 3.0411% | 4,813 |
| Noninterest income to average assets | 0.2915% | 4,472 |
| Noninterest expense to average assets | 2.7660% | 2,875 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2578% | 5,307 |
| Return on assets (ROA) | 0.2578% | 5,327 |
| Pretax return on assets | 0.3755% | 5,221 |
| Return on Equity (ROE) | 2.3760% | 5,261 |
| Retained earnings to average equity (ytd only) | 2.3760% | 4,256 |
| Net charge-offs to loans | -0.0554% | 5,219 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0464% | 543 |
| Assets per employee ($millions) | 4.4744% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1110% | 501 |
| Loan loss allowance to noncurrent loans | 24.4304% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 6.7007% | 60 |
| Noncurrent loans to loans | 8.6408% | 37 |
| Net loans and leases to total assets | 75.0077% | 1,697 |
| Net loans and leases to deposits | 91.1758% | 1,587 |
| Net loans and leases to core deposits | 92.5668% | 2,290 |
| Total domestic deposits to total assets | 82.2671% | 3,814 |
| Equity capital to assets | 10.9331% | 2,887 |
| Core capital (leverage) ratio | 11.0882% | 2,324 |
| Tier 1 risk-based capital ratio | 16.6825% | 2,251 |
| Total risk-based capital ratio | 17.9455% | 2,202 |
| Memoranda: | ||
| Average total assets | $71,365,330 | 4,835 |
| Average earning assets | $66,884,000 | 4,805 |
| Average equity | $7,744,000 | 4,896 |
| Average total loans | $54,189,330 | 4,413 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4858% | 4,731 |
| Cost of funding earning assets | 0.6708% | 974 |
| Net interest margin | 2.8150% | 5,219 |
| Noninterest income to average assets | 0.2863% | 4,502 |
| Noninterest expense to average assets | 2.8911% | 2,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0505% | 5,567 |
| Return on assets (ROA) | 0.0505% | 5,574 |
| Pretax return on assets | 0.0337% | 5,583 |
| Return on Equity (ROE) | 0.4674% | 5,568 |
| Retained earnings to average equity (ytd only) | 0.4674% | 4,812 |
| Net charge-offs to loans | -0.0594% | 5,259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8484% | 244 |
| Assets per employee ($millions) | 4.1520% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1498% | 508 |
| Loan loss allowance to noncurrent loans | 24.4374% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 6.7537% | 64 |
| Noncurrent loans to loans | 8.7973% | 46 |
| Net loans and leases to total assets | 74.2208% | 1,698 |
| Net loans and leases to deposits | 88.8489% | 1,684 |
| Net loans and leases to core deposits | 89.7808% | 2,371 |
| Total domestic deposits to total assets | 83.5359% | 3,643 |
| Equity capital to assets | 10.9359% | 2,704 |
| Core capital (leverage) ratio | 11.0568% | 2,304 |
| Tier 1 risk-based capital ratio | 16.4141% | 2,391 |
| Total risk-based capital ratio | 17.6781% | 2,331 |
| Memoranda: | ||
| Average total assets | $71,253,000 | 4,894 |
| Average earning assets | $66,785,500 | 4,860 |
| Average equity | $7,702,500 | 4,944 |
| Average total loans | $53,856,000 | 4,460 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9453% | 3,403 |
| Cost of funding earning assets | 0.7273% | 709 |
| Net interest margin | 3.2180% | 4,386 |
| Noninterest income to average assets | 0.2559% | 4,887 |
| Noninterest expense to average assets | 2.7294% | 3,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3359% | 5,124 |
| Return on assets (ROA) | 0.3525% | 5,164 |
| Pretax return on assets | 0.5459% | 4,930 |
| Return on Equity (ROE) | 3.2332% | 5,094 |
| Retained earnings to average equity (ytd only) | 3.2332% | 3,613 |
| Net charge-offs to loans | 0.0267% | 3,499 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 26.1429% | 1,560 |
| Efficiency ratio | 83.9895% | 1,011 |
| Assets per employee ($millions) | 4.2307% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1099% | 542 |
| Loan loss allowance to noncurrent loans | 28.2711% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 5.7006% | 95 |
| Noncurrent loans to loans | 7.4631% | 66 |
| Net loans and leases to total assets | 73.7327% | 1,891 |
| Net loans and leases to deposits | 89.3438% | 1,756 |
| Net loans and leases to core deposits | 90.2700% | 2,479 |
| Total domestic deposits to total assets | 82.5269% | 3,931 |
| Equity capital to assets | 10.6866% | 2,943 |
| Core capital (leverage) ratio | 11.0194% | 2,319 |
| Tier 1 risk-based capital ratio | 16.7351% | 2,258 |
| Total risk-based capital ratio | 17.9999% | 2,195 |
| Memoranda: | ||
| Average total assets | $70,345,800 | 4,927 |
| Average earning assets | $65,444,600 | 4,907 |
| Average equity | $7,670,400 | 4,986 |
| Average total loans | $52,460,400 | 4,509 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0751% | 2,970 |
| Cost of funding earning assets | 0.7411% | 663 |
| Net interest margin | 3.3340% | 4,082 |
| Noninterest income to average assets | 0.2421% | 5,025 |
| Noninterest expense to average assets | 2.7332% | 3,244 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3858% | 5,066 |
| Return on assets (ROA) | 0.4041% | 5,102 |
| Pretax return on assets | 0.6328% | 4,793 |
| Return on Equity (ROE) | 3.6869% | 5,029 |
| Retained earnings to average equity (ytd only) | 3.6869% | 3,680 |
| Net charge-offs to loans | -0.0128% | 4,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8961% | 1,205 |
| Assets per employee ($millions) | 4.1673% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1755% | 541 |
| Loan loss allowance to noncurrent loans | 46.9116% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 4.1725% | 192 |
| Noncurrent loans to loans | 4.6375% | 199 |
| Net loans and leases to total assets | 73.7536% | 1,911 |
| Net loans and leases to deposits | 89.8430% | 1,780 |
| Net loans and leases to core deposits | 90.7890% | 2,500 |
| Total domestic deposits to total assets | 82.0916% | 3,911 |
| Equity capital to assets | 11.0073% | 3,004 |
| Core capital (leverage) ratio | 10.8839% | 2,590 |
| Tier 1 risk-based capital ratio | 16.9943% | 2,229 |
| Total risk-based capital ratio | 18.2593% | 2,181 |
| Memoranda: | ||
| Average total assets | $69,951,750 | 4,974 |
| Average earning assets | $64,946,000 | 4,962 |
| Average equity | $7,666,500 | 5,034 |
| Average total loans | $52,032,250 | 4,554 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1437% | 2,701 |
| Cost of funding earning assets | 0.7272% | 694 |
| Net interest margin | 3.4164% | 3,826 |
| Noninterest income to average assets | 0.3072% | 4,587 |
| Noninterest expense to average assets | 2.8484% | 2,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3991% | 5,033 |
| Return on assets (ROA) | 0.3991% | 5,112 |
| Pretax return on assets | 0.6288% | 4,818 |
| Return on Equity (ROE) | 3.6470% | 5,039 |
| Retained earnings to average equity (ytd only) | 3.6470% | 3,575 |
| Net charge-offs to loans | -0.0465% | 5,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9158% | 1,282 |
| Assets per employee ($millions) | 4.2434% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2141% | 534 |
| Loan loss allowance to noncurrent loans | 51.6115% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 4.0381% | 219 |
| Noncurrent loans to loans | 4.2899% | 257 |
| Net loans and leases to total assets | 71.5708% | 2,238 |
| Net loans and leases to deposits | 88.3604% | 1,942 |
| Net loans and leases to core deposits | 88.3604% | 2,696 |
| Total domestic deposits to total assets | 80.9987% | 4,279 |
| Equity capital to assets | 10.7504% | 3,345 |
| Core capital (leverage) ratio | 10.8657% | 2,574 |
| Tier 1 risk-based capital ratio | 16.8169% | 2,297 |
| Total risk-based capital ratio | 18.0827% | 2,241 |
| Memoranda: | ||
| Average total assets | $69,654,330 | 5,031 |
| Average earning assets | $64,628,670 | 5,015 |
| Average equity | $7,622,670 | 5,085 |
| Average total loans | $51,572,330 | 4,600 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8730% | 3,686 |
| Cost of funding earning assets | 0.7139% | 754 |
| Net interest margin | 3.1590% | 4,705 |
| Noninterest income to average assets | 0.3040% | 4,550 |
| Noninterest expense to average assets | 3.1222% | 2,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0760% | 5,713 |
| Return on assets (ROA) | 0.0760% | 5,755 |
| Pretax return on assets | 0.1052% | 5,731 |
| Return on Equity (ROE) | 0.6881% | 5,745 |
| Retained earnings to average equity (ytd only) | 0.6881% | 4,942 |
| Net charge-offs to loans | -0.0235% | 4,948 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7391% | 381 |
| Assets per employee ($millions) | 3.8221% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2554% | 547 |
| Loan loss allowance to noncurrent loans | 46.2151% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 4.6135% | 187 |
| Noncurrent loans to loans | 4.8803% | 203 |
| Net loans and leases to total assets | 73.0704% | 1,874 |
| Net loans and leases to deposits | 90.9570% | 1,464 |
| Net loans and leases to core deposits | 90.9570% | 2,287 |
| Total domestic deposits to total assets | 80.3352% | 4,674 |
| Equity capital to assets | 11.0265% | 2,911 |
| Core capital (leverage) ratio | 11.3229% | 2,120 |
| Tier 1 risk-based capital ratio | 16.8420% | 2,350 |
| Total risk-based capital ratio | 18.1074% | 2,285 |
| Memoranda: | ||
| Average total assets | $68,413,000 | 5,109 |
| Average earning assets | $63,310,500 | 5,092 |
| Average equity | $7,556,500 | 5,130 |
| Average total loans | $50,959,500 | 4,646 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1285% | 2,822 |
| Cost of funding earning assets | 0.8442% | 385 |
| Net interest margin | 3.2843% | 4,357 |
| Noninterest income to average assets | 0.0293% | 6,049 |
| Noninterest expense to average assets | 2.9496% | 2,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0660% | 5,797 |
| Return on assets (ROA) | 0.0660% | 5,835 |
| Pretax return on assets | 0.1041% | 5,795 |
| Return on Equity (ROE) | 0.5995% | 5,825 |
| Retained earnings to average equity (ytd only) | 0.5995% | 5,276 |
| Net charge-offs to loans | 0.1046% | 2,356 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1.3396% | 4,105 |
| Efficiency ratio | 96.5898% | 378 |
| Assets per employee ($millions) | 3.7793% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2916% | 519 |
| Loan loss allowance to noncurrent loans | 46.8611% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 4.6055% | 202 |
| Noncurrent loans to loans | 4.8903% | 200 |
| Net loans and leases to total assets | 72.5157% | 1,965 |
| Net loans and leases to deposits | 90.3250% | 1,576 |
| Net loans and leases to core deposits | 90.3250% | 2,378 |
| Total domestic deposits to total assets | 80.2831% | 4,670 |
| Equity capital to assets | 11.0646% | 2,758 |
| Core capital (leverage) ratio | 11.1642% | 2,252 |
| Tier 1 risk-based capital ratio | 16.9059% | 2,323 |
| Total risk-based capital ratio | 18.1719% | 2,261 |
| Memoranda: | ||
| Average total assets | $68,179,200 | 5,128 |
| Average earning assets | $62,783,600 | 5,113 |
| Average equity | $7,506,600 | 5,147 |
| Average total loans | $50,672,400 | 4,648 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 2,729 |
| Cost of funding earning assets | 0.8581% | 365 |
| Net interest margin | 3.2986% | 4,348 |
| Noninterest income to average assets | -0.0704% | 6,226 |
| Noninterest expense to average assets | 2.9726% | 2,604 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0000% | 5,935 |
| Return on assets (ROA) | 0.0000% | 5,969 |
| Pretax return on assets | -0.0078% | 5,973 |
| Return on Equity (ROE) | 0.0000% | 5,969 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,590 |
| Net charge-offs to loans | 0.0053% | 3,993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -1.9963% | 4,080 |
| Efficiency ratio | 100.2637% | 296 |
| Assets per employee ($millions) | 3.8313% | 4,205 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3621% | 527 |
| Loan loss allowance to noncurrent loans | 46.1069% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 4.8417% | 212 |
| Noncurrent loans to loans | 5.1231% | 197 |
| Net loans and leases to total assets | 72.4044% | 1,996 |
| Net loans and leases to deposits | 91.5899% | 1,454 |
| Net loans and leases to core deposits | 91.5899% | 2,305 |
| Total domestic deposits to total assets | 79.0528% | 4,964 |
| Equity capital to assets | 10.8868% | 3,141 |
| Core capital (leverage) ratio | 11.0496% | 2,436 |
| Tier 1 risk-based capital ratio | 16.9143% | 2,411 |
| Total risk-based capital ratio | 18.1818% | 2,351 |
| Memoranda: | ||
| Average total assets | $68,221,000 | 5,188 |
| Average earning assets | $62,772,250 | 5,178 |
| Average equity | $7,495,500 | 5,212 |
| Average total loans | $50,718,500 | 4,688 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2122% | 2,504 |
| Cost of funding earning assets | 0.8713% | 333 |
| Net interest margin | 3.3409% | 4,139 |
| Noninterest income to average assets | -0.2530% | 6,325 |
| Noninterest expense to average assets | 3.0365% | 2,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1353% | 6,070 |
| Return on assets (ROA) | -0.1353% | 6,098 |
| Pretax return on assets | -0.2207% | 6,114 |
| Return on Equity (ROE) | -1.2281% | 6,093 |
| Retained earnings to average equity (ytd only) | -1.2281% | 5,726 |
| Net charge-offs to loans | 0.0277% | 3,115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -10.7143% | 3,844 |
| Efficiency ratio | 107.8370% | 199 |
| Assets per employee ($millions) | 3.7934% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3672% | 577 |
| Loan loss allowance to noncurrent loans | 46.3405% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 4.8637% | 239 |
| Noncurrent loans to loans | 5.1083% | 216 |
| Net loans and leases to total assets | 72.6644% | 1,871 |
| Net loans and leases to deposits | 92.1528% | 1,355 |
| Net loans and leases to core deposits | 92.1528% | 2,140 |
| Total domestic deposits to total assets | 78.8521% | 5,124 |
| Equity capital to assets | 10.8844% | 3,009 |
| Core capital (leverage) ratio | 10.9057% | 2,513 |
| Tier 1 risk-based capital ratio | 16.8354% | 2,472 |
| Total risk-based capital ratio | 18.1024% | 2,419 |
| Memoranda: | ||
| Average total assets | $67,973,330 | 5,255 |
| Average earning assets | $62,438,330 | 5,241 |
| Average equity | $7,491,330 | 5,262 |
| Average total loans | $50,577,670 | 4,735 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1904% | 2,498 |
| Cost of funding earning assets | 0.8947% | 298 |
| Net interest margin | 3.2957% | 4,237 |
| Noninterest income to average assets | 0.1710% | 5,695 |
| Noninterest expense to average assets | 3.1613% | 2,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0236% | 5,983 |
| Return on assets (ROA) | 0.0236% | 6,023 |
| Pretax return on assets | 0.0295% | 6,017 |
| Return on Equity (ROE) | 0.2127% | 6,024 |
| Retained earnings to average equity (ytd only) | 0.2127% | 5,301 |
| Net charge-offs to loans | 0.0951% | 1,774 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.4167% | 3,059 |
| Efficiency ratio | 99.0758% | 392 |
| Assets per employee ($millions) | 3.7899% | 4,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3738% | 642 |
| Loan loss allowance to noncurrent loans | 70.2639% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 4.1191% | 360 |
| Noncurrent loans to loans | 3.3784% | 588 |
| Net loans and leases to total assets | 72.2218% | 1,771 |
| Net loans and leases to deposits | 93.5499% | 1,032 |
| Net loans and leases to core deposits | 93.5499% | 1,806 |
| Total domestic deposits to total assets | 77.2014% | 5,582 |
| Equity capital to assets | 11.0497% | 2,921 |
| Core capital (leverage) ratio | 11.0226% | 2,394 |
| Tier 1 risk-based capital ratio | 17.0663% | 2,456 |
| Total risk-based capital ratio | 18.3330% | 2,407 |
| Memoranda: | ||
| Average total assets | $67,819,500 | 5,311 |
| Average earning assets | $62,142,000 | 5,301 |
| Average equity | $7,521,000 | 5,296 |
| Average total loans | $50,457,000 | 4,771 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4417% | 2,100 |
| Cost of funding earning assets | 1.0224% | 204 |
| Net interest margin | 3.4194% | 4,114 |
| Noninterest income to average assets | 0.3312% | 4,744 |
| Noninterest expense to average assets | 3.0223% | 2,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2791% | 5,572 |
| Return on assets (ROA) | 0.2791% | 5,643 |
| Pretax return on assets | 0.4526% | 5,378 |
| Return on Equity (ROE) | 2.6174% | 5,600 |
| Retained earnings to average equity (ytd only) | 2.6174% | 4,381 |
| Net charge-offs to loans | 0.0857% | 3,270 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.1136% | 3,084 |
| Efficiency ratio | 86.9746% | 1,079 |
| Assets per employee ($millions) | 3.7463% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3549% | 667 |
| Loan loss allowance to noncurrent loans | 72.0000% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 4.0944% | 404 |
| Noncurrent loans to loans | 3.2708% | 659 |
| Net loans and leases to total assets | 73.0477% | 1,749 |
| Net loans and leases to deposits | 94.8346% | 1,010 |
| Net loans and leases to core deposits | 94.8346% | 1,835 |
| Total domestic deposits to total assets | 77.0264% | 5,601 |
| Equity capital to assets | 11.1472% | 2,753 |
| Core capital (leverage) ratio | 10.9224% | 2,476 |
| Tier 1 risk-based capital ratio | 16.4457% | 2,736 |
| Total risk-based capital ratio | 17.7132% | 2,680 |
| Memoranda: | ||
| Average total assets | $69,152,200 | 5,318 |
| Average earning assets | $63,578,600 | 5,295 |
| Average equity | $7,373,600 | 5,331 |
| Average total loans | $51,321,000 | 4,772 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4882% | 1,916 |
| Cost of funding earning assets | 1.0492% | 193 |
| Net interest margin | 3.4390% | 4,073 |
| Noninterest income to average assets | 0.2702% | 5,276 |
| Noninterest expense to average assets | 3.0218% | 2,731 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2568% | 5,722 |
| Return on assets (ROA) | 0.2568% | 5,783 |
| Pretax return on assets | 0.4139% | 5,553 |
| Return on Equity (ROE) | 2.4348% | 5,726 |
| Retained earnings to average equity (ytd only) | 2.4348% | 4,840 |
| Net charge-offs to loans | 0.1759% | 2,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.1766% | 3,716 |
| Efficiency ratio | 87.9532% | 1,006 |
| Assets per employee ($millions) | 3.7590% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2904% | 833 |
| Loan loss allowance to noncurrent loans | 61.1987% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 4.3954% | 425 |
| Noncurrent loans to loans | 3.7425% | 608 |
| Net loans and leases to total assets | 73.3898% | 1,614 |
| Net loans and leases to deposits | 95.1120% | 946 |
| Net loans and leases to core deposits | 95.1120% | 1,746 |
| Total domestic deposits to total assets | 77.1615% | 5,650 |
| Equity capital to assets | 10.9840% | 2,975 |
| Core capital (leverage) ratio | 10.7965% | 2,699 |
| Tier 1 risk-based capital ratio | 15.9071% | 3,100 |
| Total risk-based capital ratio | 17.1737% | 3,039 |
| Memoranda: | ||
| Average total assets | $69,581,750 | 5,357 |
| Average earning assets | $64,048,250 | 5,334 |
| Average equity | $7,337,750 | 5,376 |
| Average total loans | $51,539,500 | 4,811 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5937% | 1,547 |
| Cost of funding earning assets | 1.0805% | 166 |
| Net interest margin | 3.5132% | 3,730 |
| Noninterest income to average assets | 0.2392% | 5,483 |
| Noninterest expense to average assets | 2.9877% | 2,875 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3047% | 5,553 |
| Return on assets (ROA) | 0.3047% | 5,623 |
| Pretax return on assets | 0.4927% | 5,297 |
| Return on Equity (ROE) | 2.9290% | 5,553 |
| Retained earnings to average equity (ytd only) | 2.9290% | 4,340 |
| Net charge-offs to loans | 0.1777% | 1,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.7609% | 3,223 |
| Efficiency ratio | 85.8429% | 1,284 |
| Assets per employee ($millions) | 3.8689% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3335% | 867 |
| Loan loss allowance to noncurrent loans | 53.6895% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 4.8047% | 385 |
| Noncurrent loans to loans | 4.3463% | 511 |
| Net loans and leases to total assets | 71.2794% | 1,868 |
| Net loans and leases to deposits | 92.4583% | 1,102 |
| Net loans and leases to core deposits | 92.4583% | 1,904 |
| Total domestic deposits to total assets | 77.0936% | 5,789 |
| Equity capital to assets | 10.6749% | 3,224 |
| Core capital (leverage) ratio | 10.4501% | 3,010 |
| Tier 1 risk-based capital ratio | 15.9610% | 3,113 |
| Total risk-based capital ratio | 17.2279% | 3,038 |
| Memoranda: | ||
| Average total assets | $70,221,670 | 5,382 |
| Average earning assets | $64,784,670 | 5,361 |
| Average equity | $7,306,330 | 5,410 |
| Average total loans | $51,779,000 | 4,835 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3198% | 2,448 |
| Cost of funding earning assets | 1.0784% | 180 |
| Net interest margin | 3.2414% | 4,772 |
| Noninterest income to average assets | 0.2950% | 5,008 |
| Noninterest expense to average assets | 2.9612% | 3,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2099% | 5,770 |
| Return on assets (ROA) | 0.2099% | 5,825 |
| Pretax return on assets | 0.3347% | 5,635 |
| Return on Equity (ROE) | 2.0435% | 5,776 |
| Retained earnings to average equity (ytd only) | 2.0435% | 4,793 |
| Net charge-offs to loans | -0.4363% | 6,535 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8451% | 1,050 |
| Assets per employee ($millions) | 3.8837% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4639% | 847 |
| Loan loss allowance to noncurrent loans | 37.3515% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 5.5860% | 334 |
| Noncurrent loans to loans | 6.5965% | 248 |
| Net loans and leases to total assets | 72.9927% | 1,427 |
| Net loans and leases to deposits | 96.0490% | 655 |
| Net loans and leases to core deposits | 96.0490% | 1,381 |
| Total domestic deposits to total assets | 75.9953% | 6,078 |
| Equity capital to assets | 10.4181% | 3,334 |
| Core capital (leverage) ratio | 10.3097% | 3,165 |
| Tier 1 risk-based capital ratio | 15.4314% | 3,478 |
| Total risk-based capital ratio | 16.7003% | 3,426 |
| Memoranda: | ||
| Average total assets | $70,512,500 | 5,425 |
| Average earning assets | $65,280,500 | 5,398 |
| Average equity | $7,242,500 | 5,458 |
| Average total loans | $52,256,000 | 4,852 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3343% | 2,827 |
| Cost of funding earning assets | 1.2013% | 173 |
| Net interest margin | 3.1330% | 5,217 |
| Noninterest income to average assets | 0.3110% | 5,113 |
| Noninterest expense to average assets | 2.8131% | 3,679 |
| Loan and lease loss provision to assets | 0.0863% | 3,382 |
| Net operating income to assets | 0.2001% | 5,816 |
| Return on assets (ROA) | 0.2001% | 5,888 |
| Pretax return on assets | 0.3206% | 5,672 |
| Return on Equity (ROE) | 2.0390% | 5,827 |
| Retained earnings to average equity (ytd only) | 2.0390% | 4,793 |
| Net charge-offs to loans | 0.1380% | 3,423 |
| Credit loss provision to net charge-offs | 87.5000% | 2,830 |
| Earnings coverage of net charge-offs (x) | 4.1250% | 3,665 |
| Efficiency ratio | 87.3617% | 1,284 |
| Assets per employee ($millions) | 4.1834% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3603% | 970 |
| Loan loss allowance to noncurrent loans | 39.0120% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 5.0550% | 463 |
| Noncurrent loans to loans | 6.0503% | 338 |
| Net loans and leases to total assets | 71.6612% | 1,743 |
| Net loans and leases to deposits | 93.5755% | 909 |
| Net loans and leases to core deposits | 93.5755% | 1,630 |
| Total domestic deposits to total assets | 76.5812% | 6,043 |
| Equity capital to assets | 10.1268% | 3,592 |
| Core capital (leverage) ratio | 10.0815% | 3,460 |
| Tier 1 risk-based capital ratio | 14.9257% | 3,713 |
| Total risk-based capital ratio | 16.1928% | 3,651 |
| Memoranda: | ||
| Average total assets | $72,979,000 | 5,392 |
| Average earning assets | $67,761,600 | 5,352 |
| Average equity | $7,160,200 | 5,533 |
| Average total loans | $52,166,800 | 4,882 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3335% | 2,860 |
| Cost of funding earning assets | 1.2192% | 182 |
| Net interest margin | 3.1144% | 5,280 |
| Noninterest income to average assets | 0.3032% | 5,272 |
| Noninterest expense to average assets | 2.8592% | 3,449 |
| Loan and lease loss provision to assets | 0.1144% | 2,861 |
| Net operating income to assets | 0.1416% | 6,053 |
| Return on assets (ROA) | 0.1416% | 6,121 |
| Pretax return on assets | 0.2233% | 6,006 |
| Return on Equity (ROE) | 1.4546% | 6,087 |
| Retained earnings to average equity (ytd only) | 1.4546% | 5,404 |
| Net charge-offs to loans | 0.2326% | 2,410 |
| Credit loss provision to net charge-offs | 69.2308% | 3,088 |
| Earnings coverage of net charge-offs (x) | 2.0439% | 4,150 |
| Efficiency ratio | 89.4378% | 1,043 |
| Assets per employee ($millions) | 3.9860% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3297% | 1,136 |
| Loan loss allowance to noncurrent loans | 37.3001% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 5.1416% | 534 |
| Noncurrent loans to loans | 6.2458% | 383 |
| Net loans and leases to total assets | 70.8786% | 1,804 |
| Net loans and leases to deposits | 93.1938% | 888 |
| Net loans and leases to core deposits | 93.1938% | 1,650 |
| Total domestic deposits to total assets | 76.0551% | 6,160 |
| Equity capital to assets | 9.9501% | 3,967 |
| Core capital (leverage) ratio | 9.8110% | 3,939 |
| Tier 1 risk-based capital ratio | 14.9527% | 3,781 |
| Total risk-based capital ratio | 16.2190% | 3,719 |
| Memoranda: | ||
| Average total assets | $73,444,250 | 5,443 |
| Average earning assets | $68,241,250 | 5,400 |
| Average equity | $7,149,750 | 5,596 |
| Average total loans | $52,159,500 | 4,922 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 3,332 |
| Cost of funding earning assets | 1.2432% | 181 |
| Net interest margin | 2.9656% | 5,659 |
| Noninterest income to average assets | 0.3108% | 5,220 |
| Noninterest expense to average assets | 2.9456% | 3,186 |
| Loan and lease loss provision to assets | 0.1702% | 2,207 |
| Net operating income to assets | -0.0216% | 6,326 |
| Return on assets (ROA) | -0.0216% | 6,381 |
| Pretax return on assets | -0.0459% | 6,390 |
| Return on Equity (ROE) | -0.2237% | 6,386 |
| Retained earnings to average equity (ytd only) | -0.2237% | 5,899 |
| Net charge-offs to loans | 0.1303% | 3,070 |
| Credit loss provision to net charge-offs | 185.2941% | 1,287 |
| Earnings coverage of net charge-offs (x) | 1.3529% | 4,092 |
| Efficiency ratio | 95.9507% | 659 |
| Assets per employee ($millions) | 3.9810% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4551% | 1,034 |
| Loan loss allowance to noncurrent loans | 34.1673% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 5.4216% | 544 |
| Noncurrent loans to loans | 7.1855% | 325 |
| Net loans and leases to total assets | 70.4164% | 1,818 |
| Net loans and leases to deposits | 92.5225% | 915 |
| Net loans and leases to core deposits | 92.5225% | 1,655 |
| Total domestic deposits to total assets | 76.1073% | 6,237 |
| Equity capital to assets | 9.8928% | 4,065 |
| Core capital (leverage) ratio | 9.7141% | 3,913 |
| Tier 1 risk-based capital ratio | 14.7233% | 3,960 |
| Total risk-based capital ratio | 15.9906% | 3,914 |
| Memoranda: | ||
| Average total assets | $74,009,670 | 5,463 |
| Average earning assets | $68,856,000 | 5,425 |
| Average equity | $7,153,330 | 5,644 |
| Average total loans | $52,190,330 | 4,945 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1976% | 3,315 |
| Cost of funding earning assets | 1.2867% | 167 |
| Net interest margin | 2.9109% | 5,793 |
| Noninterest income to average assets | 0.2926% | 5,370 |
| Noninterest expense to average assets | 2.9740% | 3,072 |
| Loan and lease loss provision to assets | 0.1117% | 2,837 |
| Net operating income to assets | -0.0426% | 6,389 |
| Return on assets (ROA) | -0.0426% | 6,448 |
| Pretax return on assets | -0.0851% | 6,474 |
| Return on Equity (ROE) | -0.4453% | 6,458 |
| Retained earnings to average equity (ytd only) | -0.4453% | 5,866 |
| Net charge-offs to loans | 0.2518% | 1,945 |
| Credit loss provision to net charge-offs | 63.6364% | 2,376 |
| Earnings coverage of net charge-offs (x) | 0.1515% | 3,765 |
| Efficiency ratio | 99.1135% | 578 |
| Assets per employee ($millions) | 3.8654% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3840% | 1,270 |
| Loan loss allowance to noncurrent loans | 34.5613% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 5.1197% | 701 |
| Noncurrent loans to loans | 6.8979% | 436 |
| Net loans and leases to total assets | 68.5207% | 1,917 |
| Net loans and leases to deposits | 89.5491% | 1,002 |
| Net loans and leases to core deposits | 89.5491% | 1,744 |
| Total domestic deposits to total assets | 76.5175% | 6,303 |
| Equity capital to assets | 9.7737% | 4,460 |
| Core capital (leverage) ratio | 9.4774% | 4,127 |
| Tier 1 risk-based capital ratio | 14.7769% | 3,982 |
| Total risk-based capital ratio | 16.0446% | 3,941 |
| Memoranda: | ||
| Average total assets | $75,185,500 | 5,482 |
| Average earning assets | $69,944,000 | 5,437 |
| Average equity | $7,185,500 | 5,695 |
| Average total loans | $52,421,000 | 4,970 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7218% | 2,512 |
| Cost of funding earning assets | 1.4683% | 192 |
| Net interest margin | 3.2535% | 5,418 |
| Noninterest income to average assets | 0.1361% | 6,360 |
| Noninterest expense to average assets | 2.8850% | 3,697 |
| Loan and lease loss provision to assets | 0.2008% | 3,127 |
| Net operating income to assets | 0.1162% | 5,983 |
| Return on assets (ROA) | 0.1162% | 6,123 |
| Pretax return on assets | 0.0621% | 6,208 |
| Return on Equity (ROE) | 1.2311% | 6,081 |
| Retained earnings to average equity (ytd only) | 1.2311% | 5,260 |
| Net charge-offs to loans | 0.1019% | 4,650 |
| Credit loss provision to net charge-offs | 262.0690% | 917 |
| Earnings coverage of net charge-offs (x) | 3.4310% | 3,728 |
| Efficiency ratio | 91.6492% | 945 |
| Assets per employee ($millions) | 4.2738% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3288% | 1,329 |
| Loan loss allowance to noncurrent loans | 33.3871% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 5.2048% | 733 |
| Noncurrent loans to loans | 6.9750% | 459 |
| Net loans and leases to total assets | 67.6585% | 2,251 |
| Net loans and leases to deposits | 88.5277% | 1,213 |
| Net loans and leases to core deposits | 88.5277% | 2,029 |
| Total domestic deposits to total assets | 76.4263% | 6,300 |
| Equity capital to assets | 9.3502% | 5,079 |
| Core capital (leverage) ratio | 9.0568% | 4,812 |
| Tier 1 risk-based capital ratio | 14.1593% | 4,274 |
| Total risk-based capital ratio | 15.4256% | 4,222 |
| Memoranda: | ||
| Average total assets | $75,703,000 | 5,466 |
| Average earning assets | $70,079,400 | 5,432 |
| Average equity | $7,148,200 | 5,717 |
| Average total loans | $56,940,200 | 4,837 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8258% | 2,292 |
| Cost of funding earning assets | 1.5340% | 171 |
| Net interest margin | 3.2918% | 5,419 |
| Noninterest income to average assets | 0.1662% | 6,310 |
| Noninterest expense to average assets | 2.9178% | 3,525 |
| Loan and lease loss provision to assets | 0.2688% | 2,427 |
| Net operating income to assets | 0.1167% | 6,099 |
| Return on assets (ROA) | 0.1167% | 6,233 |
| Pretax return on assets | 0.0230% | 6,373 |
| Return on Equity (ROE) | 1.2330% | 6,211 |
| Retained earnings to average equity (ytd only) | 1.2330% | 5,685 |
| Net charge-offs to loans | 0.0207% | 5,378 |
| Credit loss provision to net charge-offs | 1,688.8889% | 162 |
| Earnings coverage of net charge-offs (x) | 18.3325% | 1,565 |
| Efficiency ratio | 90.9091% | 970 |
| Assets per employee ($millions) | 3.9016% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3268% | 1,467 |
| Loan loss allowance to noncurrent loans | 34.5845% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 5.5726% | 761 |
| Noncurrent loans to loans | 6.7278% | 556 |
| Net loans and leases to total assets | 73.0500% | 1,382 |
| Net loans and leases to deposits | 96.9510% | 600 |
| Net loans and leases to core deposits | 96.9510% | 1,341 |
| Total domestic deposits to total assets | 75.3474% | 6,473 |
| Equity capital to assets | 9.6992% | 4,921 |
| Core capital (leverage) ratio | 9.3899% | 4,450 |
| Tier 1 risk-based capital ratio | 14.0936% | 4,462 |
| Total risk-based capital ratio | 15.2760% | 4,462 |
| Memoranda: | ||
| Average total assets | $75,396,500 | 5,537 |
| Average earning assets | $69,707,500 | 5,499 |
| Average equity | $7,137,000 | 5,790 |
| Average total loans | $57,852,750 | 4,844 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9012% | 2,102 |
| Cost of funding earning assets | 1.6204% | 143 |
| Net interest margin | 3.2808% | 5,497 |
| Noninterest income to average assets | 0.1213% | 6,575 |
| Noninterest expense to average assets | 2.8357% | 3,883 |
| Loan and lease loss provision to assets | 0.4010% | 1,637 |
| Net operating income to assets | 0.0976% | 6,169 |
| Return on assets (ROA) | 0.0976% | 6,319 |
| Pretax return on assets | -0.0870% | 6,514 |
| Return on Equity (ROE) | 1.0394% | 6,295 |
| Retained earnings to average equity (ytd only) | 1.0394% | 5,662 |
| Net charge-offs to loans | 0.0443% | 4,759 |
| Credit loss provision to net charge-offs | 1,169.2308% | 281 |
| Earnings coverage of net charge-offs (x) | 9.1538% | 2,201 |
| Efficiency ratio | 90.0335% | 1,066 |
| Assets per employee ($millions) | 4.1576% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2227% | 1,724 |
| Loan loss allowance to noncurrent loans | 29.9209% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 6.4581% | 636 |
| Noncurrent loans to loans | 7.4287% | 502 |
| Net loans and leases to total assets | 75.5933% | 1,021 |
| Net loans and leases to deposits | 99.8464% | 424 |
| Net loans and leases to core deposits | 99.8464% | 1,107 |
| Total domestic deposits to total assets | 75.7096% | 6,500 |
| Equity capital to assets | 9.5516% | 4,984 |
| Core capital (leverage) ratio | 9.2593% | 4,518 |
| Tier 1 risk-based capital ratio | 13.5708% | 4,769 |
| Total risk-based capital ratio | 14.8420% | 4,720 |
| Memoranda: | ||
| Average total assets | $75,818,670 | 5,551 |
| Average earning assets | $69,983,330 | 5,521 |
| Average equity | $7,119,330 | 5,812 |
| Average total loans | $58,656,330 | 4,843 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8913% | 2,279 |
| Cost of funding earning assets | 1.6153% | 178 |
| Net interest margin | 3.2760% | 5,554 |
| Noninterest income to average assets | 0.1468% | 6,508 |
| Noninterest expense to average assets | 2.8515% | 3,820 |
| Loan and lease loss provision to assets | 0.7968% | 621 |
| Net operating income to assets | 0.0000% | 6,411 |
| Return on assets (ROA) | 0.0000% | 6,525 |
| Pretax return on assets | -0.4822% | 6,816 |
| Return on Equity (ROE) | 0.0000% | 6,526 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,973 |
| Net charge-offs to loans | 0.0677% | 3,809 |
| Credit loss provision to net charge-offs | 1,520.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,264 |
| Efficiency ratio | 90.0662% | 1,092 |
| Assets per employee ($millions) | 3.9982% | 4,014 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1831% | 1,918 |
| Loan loss allowance to noncurrent loans | 28.6858% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 6.8624% | 634 |
| Noncurrent loans to loans | 7.6103% | 543 |
| Net loans and leases to total assets | 76.0890% | 789 |
| Net loans and leases to deposits | 102.5950% | 291 |
| Net loans and leases to core deposits | 102.5950% | 831 |
| Total domestic deposits to total assets | 74.1644% | 6,730 |
| Equity capital to assets | 9.3398% | 5,041 |
| Core capital (leverage) ratio | 9.0763% | 4,720 |
| Tier 1 risk-based capital ratio | 13.5729% | 4,775 |
| Total risk-based capital ratio | 14.8391% | 4,747 |
| Memoranda: | ||
| Average total assets | $76,310,000 | 5,584 |
| Average earning assets | $70,329,000 | 5,550 |
| Average equity | $7,105,000 | 5,841 |
| Average total loans | $59,056,000 | 4,855 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6019% | 952 |
| Cost of funding earning assets | 1.8780% | 163 |
| Net interest margin | 3.7239% | 4,182 |
| Noninterest income to average assets | 0.1612% | 6,339 |
| Noninterest expense to average assets | 3.4481% | 2,124 |
| Loan and lease loss provision to assets | 0.1113% | 5,196 |
| Net operating income to assets | -0.0550% | 6,114 |
| Return on assets (ROA) | -0.0550% | 6,201 |
| Pretax return on assets | 0.0090% | 6,112 |
| Return on Equity (ROE) | -0.6055% | 6,212 |
| Retained earnings to average equity (ytd only) | -0.6055% | 5,947 |
| Net charge-offs to loans | -0.2879% | 7,239 |
| Credit loss provision to net charge-offs | -48.0663% | 6,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6296% | 788 |
| Assets per employee ($millions) | 4.5091% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9434% | 2,439 |
| Loan loss allowance to noncurrent loans | 31.9321% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 5.8235% | 864 |
| Noncurrent loans to loans | 6.0860% | 805 |
| Net loans and leases to total assets | 75.4993% | 1,022 |
| Net loans and leases to deposits | 103.1291% | 335 |
| Net loans and leases to core deposits | 103.1291% | 960 |
| Total domestic deposits to total assets | 73.2085% | 6,789 |
| Equity capital to assets | 9.2818% | 5,168 |
| Core capital (leverage) ratio | 8.9922% | 4,801 |
| Tier 1 risk-based capital ratio | 14.4297% | 4,023 |
| Total risk-based capital ratio | 15.6961% | 3,983 |
| Memoranda: | ||
| Average total assets | $78,158,400 | 5,498 |
| Average earning assets | $71,511,000 | 5,483 |
| Average equity | $7,101,000 | 5,838 |
| Average total loans | $62,871,400 | 4,755 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4691% | 1,339 |
| Cost of funding earning assets | 1.9234% | 162 |
| Net interest margin | 3.5457% | 5,001 |
| Noninterest income to average assets | 0.1562% | 6,480 |
| Noninterest expense to average assets | 3.4753% | 2,003 |
| Loan and lease loss provision to assets | -0.1800% | 7,381 |
| Net operating income to assets | -0.0475% | 6,214 |
| Return on assets (ROA) | -0.0475% | 6,311 |
| Pretax return on assets | 0.1002% | 6,092 |
| Return on Equity (ROE) | -0.5260% | 6,322 |
| Retained earnings to average equity (ytd only) | -0.5260% | 6,077 |
| Net charge-offs to loans | -0.1441% | 7,223 |
| Credit loss provision to net charge-offs | 153.6232% | 2,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3500% | 598 |
| Assets per employee ($millions) | 4.5128% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 4,780 |
| Loan loss allowance to noncurrent loans | 32.2358% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 4.6756% | 1,267 |
| Noncurrent loans to loans | 4.1850% | 1,570 |
| Net loans and leases to total assets | 80.2563% | 491 |
| Net loans and leases to deposits | 113.8707% | 133 |
| Net loans and leases to core deposits | 113.8707% | 556 |
| Total domestic deposits to total assets | 70.4802% | 7,015 |
| Equity capital to assets | 9.2925% | 5,395 |
| Core capital (leverage) ratio | 9.2913% | 4,463 |
| Tier 1 risk-based capital ratio | 14.1580% | 4,229 |
| Total risk-based capital ratio | 15.4153% | 4,195 |
| Memoranda: | ||
| Average total assets | $78,534,250 | 5,539 |
| Average earning assets | $71,747,000 | 5,527 |
| Average equity | $7,097,500 | 5,880 |
| Average total loans | $63,834,000 | 4,761 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5134% | 1,272 |
| Cost of funding earning assets | 1.9523% | 169 |
| Net interest margin | 3.5612% | 4,877 |
| Noninterest income to average assets | 0.1339% | 6,652 |
| Noninterest expense to average assets | 3.6644% | 1,593 |
| Loan and lease loss provision to assets | 0.1769% | 4,158 |
| Net operating income to assets | -0.2654% | 6,526 |
| Return on assets (ROA) | -0.2654% | 6,560 |
| Pretax return on assets | -0.4574% | 6,631 |
| Return on Equity (ROE) | -2.9632% | 6,588 |
| Retained earnings to average equity (ytd only) | -2.9632% | 6,369 |
| Net charge-offs to loans | -0.0964% | 7,157 |
| Credit loss provision to net charge-offs | -225.8065% | 6,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.2898% | 511 |
| Assets per employee ($millions) | 4.3352% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 3,861 |
| Loan loss allowance to noncurrent loans | 69.6692% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 3.1948% | 2,103 |
| Noncurrent loans to loans | 2.2405% | 3,172 |
| Net loans and leases to total assets | 80.0074% | 528 |
| Net loans and leases to deposits | 112.1443% | 153 |
| Net loans and leases to core deposits | 113.8374% | 580 |
| Total domestic deposits to total assets | 71.3433% | 7,043 |
| Equity capital to assets | 8.9910% | 5,589 |
| Core capital (leverage) ratio | 9.0318% | 4,669 |
| Tier 1 risk-based capital ratio | 13.8252% | 4,290 |
| Total risk-based capital ratio | 15.0840% | 4,255 |
| Memoranda: | ||
| Average total assets | $79,139,670 | 5,573 |
| Average earning assets | $72,223,670 | 5,549 |
| Average equity | $7,087,000 | 5,898 |
| Average total loans | $64,307,670 | 4,777 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3868% | 1,604 |
| Cost of funding earning assets | 1.9829% | 178 |
| Net interest margin | 3.4040% | 5,417 |
| Noninterest income to average assets | 0.1656% | 6,544 |
| Noninterest expense to average assets | 2.8008% | 4,437 |
| Loan and lease loss provision to assets | -0.0301% | 7,460 |
| Net operating income to assets | 0.3062% | 5,378 |
| Return on assets (ROA) | 0.3062% | 5,448 |
| Pretax return on assets | 0.4969% | 5,040 |
| Return on Equity (ROE) | 3.4258% | 5,180 |
| Retained earnings to average equity (ytd only) | 3.4258% | 4,135 |
| Net charge-offs to loans | 0.0494% | 4,441 |
| Credit loss provision to net charge-offs | -75.0000% | 5,684 |
| Earnings coverage of net charge-offs (x) | 11.6250% | 1,541 |
| Efficiency ratio | 85.7143% | 1,740 |
| Assets per employee ($millions) | 3.9941% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 4,888 |
| Loan loss allowance to noncurrent loans | 65.3961% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 3.5265% | 1,933 |
| Noncurrent loans to loans | 2.0684% | 3,490 |
| Net loans and leases to total assets | 79.8838% | 521 |
| Net loans and leases to deposits | 113.3770% | 140 |
| Net loans and leases to core deposits | 115.0699% | 561 |
| Total domestic deposits to total assets | 70.4586% | 7,161 |
| Equity capital to assets | 8.9571% | 5,272 |
| Core capital (leverage) ratio | 9.0277% | 4,573 |
| Tier 1 risk-based capital ratio | 13.7143% | 4,269 |
| Total risk-based capital ratio | 14.9685% | 4,234 |
| Memoranda: | ||
| Average total assets | $79,692,500 | 5,596 |
| Average earning assets | $72,621,500 | 5,586 |
| Average equity | $7,122,500 | 5,894 |
| Average total loans | $64,750,000 | 4,812 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8018% | 1,273 |
| Cost of funding earning assets | 2.2530% | 252 |
| Net interest margin | 3.5488% | 5,043 |
| Noninterest income to average assets | 0.1258% | 6,771 |
| Noninterest expense to average assets | 2.5978% | 5,426 |
| Loan and lease loss provision to assets | 1.1961% | 1,312 |
| Net operating income to assets | -0.2346% | 6,151 |
| Return on assets (ROA) | -0.2346% | 6,204 |
| Pretax return on assets | -0.4088% | 6,249 |
| Return on Equity (ROE) | -2.7129% | 6,251 |
| Retained earnings to average equity (ytd only) | -2.7129% | 6,069 |
| Net charge-offs to loans | 0.4644% | 3,762 |
| Credit loss provision to net charge-offs | 313.9683% | 837 |
| Earnings coverage of net charge-offs (x) | 2.0667% | 4,175 |
| Efficiency ratio | 76.7417% | 2,916 |
| Assets per employee ($millions) | 3.9752% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 4,528 |
| Loan loss allowance to noncurrent loans | 67.1863% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 3.3508% | 2,099 |
| Noncurrent loans to loans | 2.0783% | 3,451 |
| Net loans and leases to total assets | 80.3834% | 617 |
| Net loans and leases to deposits | 114.0461% | 174 |
| Net loans and leases to core deposits | 115.7544% | 653 |
| Total domestic deposits to total assets | 70.4832% | 7,210 |
| Equity capital to assets | 8.9178% | 5,261 |
| Core capital (leverage) ratio | 8.9933% | 4,570 |
| Tier 1 risk-based capital ratio | 13.6222% | 4,117 |
| Total risk-based capital ratio | 14.8786% | 4,083 |
| Memoranda: | ||
| Average total assets | $82,686,400 | 5,504 |
| Average earning assets | $75,942,000 | 5,481 |
| Average equity | $7,151,000 | 5,980 |
| Average total loans | $67,836,600 | 4,756 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7292% | 1,611 |
| Cost of funding earning assets | 2.2840% | 287 |
| Net interest margin | 3.4451% | 5,511 |
| Noninterest income to average assets | 0.1709% | 6,656 |
| Noninterest expense to average assets | 2.6161% | 5,257 |
| Loan and lease loss provision to assets | 1.5875% | 817 |
| Net operating income to assets | -0.5095% | 6,594 |
| Return on assets (ROA) | -0.5095% | 6,646 |
| Pretax return on assets | -0.8624% | 6,780 |
| Return on Equity (ROE) | -5.9350% | 6,711 |
| Retained earnings to average equity (ytd only) | -5.9350% | 6,625 |
| Net charge-offs to loans | 0.5559% | 3,088 |
| Credit loss provision to net charge-offs | 347.5524% | 910 |
| Earnings coverage of net charge-offs (x) | 1.5874% | 4,526 |
| Efficiency ratio | 78.2983% | 2,585 |
| Assets per employee ($millions) | 4.1399% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 4,483 |
| Loan loss allowance to noncurrent loans | 47.9326% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 3.9096% | 1,802 |
| Noncurrent loans to loans | 2.9132% | 2,740 |
| Net loans and leases to total assets | 80.0826% | 735 |
| Net loans and leases to deposits | 115.7880% | 160 |
| Net loans and leases to core deposits | 119.7508% | 619 |
| Total domestic deposits to total assets | 69.1631% | 7,318 |
| Equity capital to assets | 8.4943% | 6,281 |
| Core capital (leverage) ratio | 8.3703% | 5,755 |
| Tier 1 risk-based capital ratio | 12.5926% | 4,899 |
| Total risk-based capital ratio | 13.8535% | 4,868 |
| Memoranda: | ||
| Average total assets | $83,482,000 | 5,554 |
| Average earning assets | $76,821,500 | 5,518 |
| Average equity | $7,166,250 | 6,058 |
| Average total loans | $68,592,500 | 4,803 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9782% | 997 |
| Cost of funding earning assets | 2.3079% | 330 |
| Net interest margin | 3.6704% | 4,503 |
| Noninterest income to average assets | 0.1625% | 6,731 |
| Noninterest expense to average assets | 2.4585% | 5,884 |
| Loan and lease loss provision to assets | 1.8707% | 663 |
| Net operating income to assets | -0.4563% | 6,612 |
| Return on assets (ROA) | -0.4563% | 6,648 |
| Pretax return on assets | -0.7813% | 6,775 |
| Return on Equity (ROE) | -5.2977% | 6,722 |
| Retained earnings to average equity (ytd only) | -5.2977% | 6,589 |
| Net charge-offs to loans | 0.8285% | 2,182 |
| Credit loss provision to net charge-offs | 273.7762% | 1,362 |
| Earnings coverage of net charge-offs (x) | 1.5944% | 4,298 |
| Efficiency ratio | 69.2929% | 4,319 |
| Assets per employee ($millions) | 4.2129% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 6,073 |
| Loan loss allowance to noncurrent loans | 44.2284% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 3.4703% | 2,027 |
| Noncurrent loans to loans | 2.4225% | 3,224 |
| Net loans and leases to total assets | 79.7785% | 829 |
| Net loans and leases to deposits | 114.5011% | 199 |
| Net loans and leases to core deposits | 118.2933% | 757 |
| Total domestic deposits to total assets | 69.6749% | 7,345 |
| Equity capital to assets | 8.5049% | 6,159 |
| Core capital (leverage) ratio | 8.3777% | 5,612 |
| Tier 1 risk-based capital ratio | 12.7973% | 4,610 |
| Total risk-based capital ratio | 14.0609% | 4,560 |
| Memoranda: | ||
| Average total assets | $83,710,330 | 5,575 |
| Average earning assets | $77,213,330 | 5,542 |
| Average equity | $7,210,670 | 6,064 |
| Average total loans | $69,041,670 | 4,824 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7019% | 1,775 |
| Cost of funding earning assets | 2.3097% | 423 |
| Net interest margin | 3.3921% | 5,612 |
| Noninterest income to average assets | 0.1534% | 6,870 |
| Noninterest expense to average assets | 2.6415% | 5,176 |
| Loan and lease loss provision to assets | 2.5744% | 410 |
| Net operating income to assets | -1.1410% | 7,191 |
| Return on assets (ROA) | -1.1410% | 7,207 |
| Pretax return on assets | -1.9224% | 7,393 |
| Return on Equity (ROE) | -13.1619% | 7,263 |
| Retained earnings to average equity (ytd only) | -13.1619% | 7,132 |
| Net charge-offs to loans | 0.3046% | 3,196 |
| Credit loss provision to net charge-offs | 1,013.2075% | 453 |
| Earnings coverage of net charge-offs (x) | 2.5660% | 3,259 |
| Efficiency ratio | 80.2038% | 2,540 |
| Assets per employee ($millions) | 4.2042% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 6,352 |
| Loan loss allowance to noncurrent loans | 20.2718% | 6,993 |
| Noncurrent assets plus other real estate owned to assets | 4.4765% | 1,511 |
| Noncurrent loans to loans | 5.0438% | 1,432 |
| Net loans and leases to total assets | 82.4307% | 539 |
| Net loans and leases to deposits | 118.2983% | 162 |
| Net loans and leases to core deposits | 119.9754% | 787 |
| Total domestic deposits to total assets | 69.6803% | 7,429 |
| Equity capital to assets | 8.4630% | 6,056 |
| Core capital (leverage) ratio | 8.3387% | 5,669 |
| Tier 1 risk-based capital ratio | 12.5795% | 4,660 |
| Total risk-based capital ratio | 13.8371% | 4,621 |
| Memoranda: | ||
| Average total assets | $83,437,000 | 5,649 |
| Average earning assets | $77,238,000 | 5,592 |
| Average equity | $7,233,000 | 6,105 |
| Average total loans | $69,589,000 | 4,879 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1148% | 1,479 |
| Cost of funding earning assets | 2.5749% | 841 |
| Net interest margin | 3.5398% | 4,778 |
| Noninterest income to average assets | 0.1118% | 7,200 |
| Noninterest expense to average assets | 2.8182% | 4,893 |
| Loan and lease loss provision to assets | 1.0074% | 2,262 |
| Net operating income to assets | -0.2727% | 5,931 |
| Return on assets (ROA) | -0.2224% | 5,861 |
| Pretax return on assets | -0.3722% | 5,891 |
| Return on Equity (ROE) | -2.4219% | 5,913 |
| Retained earnings to average equity (ytd only) | -2.4219% | 5,602 |
| Net charge-offs to loans | 1.2158% | 2,025 |
| Credit loss provision to net charge-offs | 97.3872% | 5,709 |
| Earnings coverage of net charge-offs (x) | 0.5380% | 5,575 |
| Efficiency ratio | 83.5093% | 2,417 |
| Assets per employee ($millions) | 4.1395% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3341% | 7,805 |
| Loan loss allowance to noncurrent loans | 9.2548% | 7,376 |
| Noncurrent assets plus other real estate owned to assets | 3.2951% | 2,080 |
| Noncurrent loans to loans | 3.6095% | 2,089 |
| Net loans and leases to total assets | 83.2468% | 517 |
| Net loans and leases to deposits | 121.7453% | 156 |
| Net loans and leases to core deposits | 141.9421% | 735 |
| Total domestic deposits to total assets | 68.3778% | 7,520 |
| Equity capital to assets | 8.8779% | 5,312 |
| Core capital (leverage) ratio | 8.7567% | 4,827 |
| Tier 1 risk-based capital ratio | 13.0483% | 4,113 |
| Total risk-based capital ratio | 13.4647% | 4,718 |
| Memoranda: | ||
| Average total assets | $81,398,400 | 5,689 |
| Average earning assets | $75,031,600 | 5,637 |
| Average equity | $7,473,600 | 6,101 |
| Average total loans | $69,254,000 | 4,890 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1465% | 1,501 |
| Cost of funding earning assets | 2.6240% | 974 |
| Net interest margin | 3.5225% | 4,767 |
| Noninterest income to average assets | 0.0954% | 7,426 |
| Noninterest expense to average assets | 2.9183% | 4,370 |
| Loan and lease loss provision to assets | 1.0989% | 1,776 |
| Net operating income to assets | -0.4582% | 6,383 |
| Return on assets (ROA) | -0.3866% | 6,296 |
| Pretax return on assets | -0.5725% | 6,369 |
| Return on Equity (ROE) | -4.1752% | 6,357 |
| Retained earnings to average equity (ytd only) | -4.1752% | 6,132 |
| Net charge-offs to loans | 1.3029% | 1,567 |
| Credit loss provision to net charge-offs | 98.6706% | 5,189 |
| Earnings coverage of net charge-offs (x) | 0.3781% | 5,646 |
| Efficiency ratio | 87.3892% | 1,931 |
| Assets per employee ($millions) | 4.0836% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3502% | 7,872 |
| Loan loss allowance to noncurrent loans | 8.9904% | 7,471 |
| Noncurrent assets plus other real estate owned to assets | 3.9683% | 1,620 |
| Noncurrent loans to loans | 3.8953% | 1,893 |
| Net loans and leases to total assets | 85.0108% | 437 |
| Net loans and leases to deposits | 129.6085% | 111 |
| Net loans and leases to core deposits | 148.8956% | 606 |
| Total domestic deposits to total assets | 65.5904% | 7,707 |
| Equity capital to assets | 8.9333% | 5,586 |
| Core capital (leverage) ratio | 8.8105% | 4,956 |
| Tier 1 risk-based capital ratio | 12.9082% | 4,262 |
| Total risk-based capital ratio | 13.3465% | 4,830 |
| Memoranda: | ||
| Average total assets | $81,050,500 | 5,728 |
| Average earning assets | $74,642,000 | 5,689 |
| Average equity | $7,504,500 | 6,143 |
| Average total loans | $69,279,750 | 4,942 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2676% | 1,292 |
| Cost of funding earning assets | 2.6827% | 1,069 |
| Net interest margin | 3.5849% | 4,431 |
| Noninterest income to average assets | 0.0445% | 7,757 |
| Noninterest expense to average assets | 2.7980% | 4,968 |
| Loan and lease loss provision to assets | 0.2128% | 4,918 |
| Net operating income to assets | 0.2128% | 5,220 |
| Return on assets (ROA) | 0.2128% | 5,298 |
| Pretax return on assets | 0.3365% | 5,108 |
| Return on Equity (ROE) | 2.2709% | 5,191 |
| Retained earnings to average equity (ytd only) | 2.2709% | 4,073 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5920% | 2,526 |
| Assets per employee ($millions) | 4.2114% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4950% | 7,794 |
| Loan loss allowance to noncurrent loans | 16.4403% | 7,316 |
| Noncurrent assets plus other real estate owned to assets | 3.3681% | 1,855 |
| Noncurrent loans to loans | 3.0106% | 2,395 |
| Net loans and leases to total assets | 85.1730% | 482 |
| Net loans and leases to deposits | 132.2313% | 103 |
| Net loans and leases to core deposits | 151.1432% | 624 |
| Total domestic deposits to total assets | 64.4121% | 7,814 |
| Equity capital to assets | 9.5143% | 4,593 |
| Core capital (leverage) ratio | 9.3942% | 4,031 |
| Tier 1 risk-based capital ratio | 13.8892% | 3,582 |
| Total risk-based capital ratio | 14.5239% | 3,876 |
| Memoranda: | ||
| Average total assets | $80,843,330 | 5,769 |
| Average earning assets | $74,478,330 | 5,727 |
| Average equity | $7,574,000 | 6,155 |
| Average total loans | $69,148,330 | 4,992 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4340% | 987 |
| Cost of funding earning assets | 2.7178% | 1,220 |
| Net interest margin | 3.7163% | 3,825 |
| Noninterest income to average assets | 0.1280% | 7,377 |
| Noninterest expense to average assets | 2.7961% | 4,571 |
| Loan and lease loss provision to assets | 0.3397% | 3,289 |
| Net operating income to assets | 0.2609% | 5,435 |
| Return on assets (ROA) | 0.2609% | 5,605 |
| Pretax return on assets | 0.4184% | 5,344 |
| Return on Equity (ROE) | 2.8063% | 5,448 |
| Retained earnings to average equity (ytd only) | 2.8063% | 4,316 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6704% | 3,055 |
| Assets per employee ($millions) | 3.6996% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4604% | 7,876 |
| Loan loss allowance to noncurrent loans | 16.5979% | 7,333 |
| Noncurrent assets plus other real estate owned to assets | 3.2178% | 1,719 |
| Noncurrent loans to loans | 2.7740% | 2,365 |
| Net loans and leases to total assets | 85.5279% | 495 |
| Net loans and leases to deposits | 131.4054% | 138 |
| Net loans and leases to core deposits | 148.3221% | 764 |
| Total domestic deposits to total assets | 65.0870% | 7,785 |
| Equity capital to assets | 9.3143% | 4,922 |
| Core capital (leverage) ratio | 9.1948% | 4,410 |
| Tier 1 risk-based capital ratio | 13.5963% | 3,803 |
| Total risk-based capital ratio | 14.1875% | 4,152 |
| Memoranda: | ||
| Average total assets | $81,257,000 | 5,776 |
| Average earning assets | $74,914,000 | 5,734 |
| Average equity | $7,554,500 | 6,203 |
| Average total loans | $69,477,000 | 5,004 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4993% | 2,962 |
| Cost of funding earning assets | 3.2779% | 984 |
| Net interest margin | 3.2214% | 6,301 |
| Noninterest income to average assets | -0.0268% | 8,172 |
| Noninterest expense to average assets | 2.8522% | 4,594 |
| Loan and lease loss provision to assets | 1.2077% | 1,191 |
| Net operating income to assets | -0.5844% | 6,994 |
| Return on assets (ROA) | -0.5844% | 6,879 |
| Pretax return on assets | -1.0955% | 7,057 |
| Return on Equity (ROE) | -6.1083% | 6,968 |
| Retained earnings to average equity (ytd only) | -6.1083% | 6,676 |
| Net charge-offs to loans | 0.1218% | 5,025 |
| Credit loss provision to net charge-offs | 1,164.7059% | 388 |
| Earnings coverage of net charge-offs (x) | 1.0824% | 5,588 |
| Efficiency ratio | 96.2140% | 1,141 |
| Assets per employee ($millions) | 3.3801% | 4,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3912% | 7,990 |
| Loan loss allowance to noncurrent loans | 13.9607% | 7,426 |
| Noncurrent assets plus other real estate owned to assets | 3.2210% | 1,416 |
| Noncurrent loans to loans | 2.8021% | 1,939 |
| Net loans and leases to total assets | 84.7479% | 774 |
| Net loans and leases to deposits | 129.8125% | 213 |
| Net loans and leases to core deposits | 141.5075% | 1,186 |
| Total domestic deposits to total assets | 65.2848% | 7,702 |
| Equity capital to assets | 9.2797% | 4,957 |
| Core capital (leverage) ratio | 9.1597% | 4,503 |
| Tier 1 risk-based capital ratio | 13.9900% | 3,556 |
| Total risk-based capital ratio | 14.4990% | 3,879 |
| Memoranda: | ||
| Average total assets | $81,971,000 | 5,632 |
| Average earning assets | $76,115,800 | 5,581 |
| Average equity | $7,841,800 | 6,156 |
| Average total loans | $69,806,800 | 4,878 |