Home > Lake Region Bank > Performance and Condition Ratios
Lake Region Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5812% | 2,938 |
| Cost of funding earning assets | 0.3187% | 4,365 |
| Net interest margin | 4.2625% | 852 |
| Noninterest income to average assets | 1.5600% | 373 |
| Noninterest expense to average assets | 3.7368% | 447 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.8352% | 582 |
| Return on assets (ROA) | 1.6703% | 743 |
| Pretax return on assets | 1.6068% | 1,217 |
| Return on Equity (ROE) | 32.9000% | 143 |
| Retained earnings to average equity (ytd only) | 19.0221% | 152 |
| Net charge-offs to loans | 0.5436% | 185 |
| Credit loss provision to net charge-offs | 60.0707% | 2,147 |
| Earnings coverage of net charge-offs (x) | 9.6714% | 2,278 |
| Efficiency ratio | 65.5012% | 2,414 |
| Assets per employee ($millions) | 4.6528% | 3,852 |
| Cash dividends to net income (ytd only)* | 42.1901% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 2,148 |
| Loan loss allowance to noncurrent loans | 2,296.4286% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 3,611 |
| Noncurrent loans to loans | 0.0533% | 3,337 |
| Net loans and leases to total assets | 35.9600% | 4,157 |
| Net loans and leases to deposits | 38.8535% | 4,220 |
| Net loans and leases to core deposits | 39.0231% | 4,298 |
| Total domestic deposits to total assets | 92.5600% | 221 |
| Equity capital to assets | 6.9011% | 3,975 |
| Core capital (leverage) ratio | 11.0578% | 1,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8428% | 381 |
| Memoranda: | ||
| Average total assets | $144,885,200 | 3,413 |
| Average earning assets | $138,368,600 | 3,361 |
| Average equity | $7,354,600 | 4,006 |
| Average total loans | $52,058,200 | 3,810 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3833% | 3,131 |
| Cost of funding earning assets | 0.2611% | 4,394 |
| Net interest margin | 4.1222% | 1,033 |
| Noninterest income to average assets | 1.3800% | 431 |
| Noninterest expense to average assets | 3.6355% | 476 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.6353% | 883 |
| Return on assets (ROA) | 1.6500% | 854 |
| Pretax return on assets | 1.5636% | 1,426 |
| Return on Equity (ROE) | 35.7000% | 156 |
| Retained earnings to average equity (ytd only) | 25.3346% | 135 |
| Net charge-offs to loans | 0.7392% | 122 |
| Credit loss provision to net charge-offs | 46.8750% | 1,909 |
| Earnings coverage of net charge-offs (x) | 6.3194% | 2,302 |
| Efficiency ratio | 67.5152% | 2,069 |
| Assets per employee ($millions) | 4.4122% | 3,992 |
| Cash dividends to net income (ytd only)* | 29.0251% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 2,747 |
| Loan loss allowance to noncurrent loans | 1,584.2105% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.7253% | 776 |
| Noncurrent loans to loans | 0.0709% | 3,248 |
| Net loans and leases to total assets | 37.5300% | 4,135 |
| Net loans and leases to deposits | 39.5708% | 4,217 |
| Net loans and leases to core deposits | 39.7402% | 4,266 |
| Total domestic deposits to total assets | 94.8500% | 132 |
| Equity capital to assets | 4.4281% | 4,345 |
| Core capital (leverage) ratio | 10.9117% | 2,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2010% | 475 |
| Memoranda: | ||
| Average total assets | $145,047,250 | 3,414 |
| Average earning assets | $138,401,250 | 3,369 |
| Average equity | $6,704,750 | 4,082 |
| Average total loans | $51,944,250 | 3,821 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3310% | 3,036 |
| Cost of funding earning assets | 0.1704% | 4,458 |
| Net interest margin | 4.1606% | 984 |
| Noninterest income to average assets | 1.3300% | 375 |
| Noninterest expense to average assets | 3.5440% | 514 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.6538% | 863 |
| Return on assets (ROA) | 1.6715% | 834 |
| Pretax return on assets | 1.6688% | 1,277 |
| Return on Equity (ROE) | 35.6800% | 142 |
| Retained earnings to average equity (ytd only) | 20.4794% | 236 |
| Net charge-offs to loans | 1.1947% | 71 |
| Credit loss provision to net charge-offs | 26.0586% | 1,749 |
| Earnings coverage of net charge-offs (x) | 4.1954% | 2,229 |
| Efficiency ratio | 65.8078% | 2,268 |
| Assets per employee ($millions) | 4.5772% | 3,896 |
| Cash dividends to net income (ytd only)* | 42.6002% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 3,377 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 755 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 36.3900% | 4,163 |
| Net loans and leases to deposits | 38.6436% | 4,243 |
| Net loans and leases to core deposits | 38.8094% | 4,277 |
| Total domestic deposits to total assets | 94.1700% | 140 |
| Equity capital to assets | 5.1616% | 4,353 |
| Core capital (leverage) ratio | 10.4514% | 2,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8127% | 496 |
| Memoranda: | ||
| Average total assets | $146,333,000 | 3,413 |
| Average earning assets | $139,644,000 | 3,370 |
| Average equity | $6,855,667 | 4,095 |
| Average total loans | $51,395,000 | 3,844 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2482% | 2,933 |
| Cost of funding earning assets | 0.0986% | 4,535 |
| Net interest margin | 4.1496% | 1,029 |
| Noninterest income to average assets | 1.1900% | 445 |
| Noninterest expense to average assets | 3.4735% | 557 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6910% | 835 |
| Return on assets (ROA) | 1.7152% | 791 |
| Pretax return on assets | 1.7044% | 1,265 |
| Return on Equity (ROE) | 38.4800% | 123 |
| Retained earnings to average equity (ytd only) | 7.0075% | 2,493 |
| Net charge-offs to loans | -0.1960% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.4577% | 2,160 |
| Assets per employee ($millions) | 4.6893% | 3,899 |
| Cash dividends to net income (ytd only)* | 81.7896% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 1,189 |
| Loan loss allowance to noncurrent loans | 139.9642% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 1.0621% | 378 |
| Noncurrent loans to loans | 1.0889% | 653 |
| Net loans and leases to total assets | 34.7100% | 4,236 |
| Net loans and leases to deposits | 36.7482% | 4,304 |
| Net loans and leases to core deposits | 36.9014% | 4,347 |
| Total domestic deposits to total assets | 94.4600% | 132 |
| Equity capital to assets | 4.9688% | 4,424 |
| Core capital (leverage) ratio | 9.4986% | 3,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2446% | 557 |
| Memoranda: | ||
| Average total assets | $148,553,000 | 3,441 |
| Average earning assets | $141,988,000 | 3,387 |
| Average equity | $6,621,500 | 4,168 |
| Average total loans | $51,011,500 | 3,892 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2517% | 3,706 |
| Cost of funding earning assets | 0.0781% | 4,480 |
| Net interest margin | 3.1735% | 2,952 |
| Noninterest income to average assets | 1.6600% | 307 |
| Noninterest expense to average assets | 3.3491% | 582 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.2087% | 1,739 |
| Return on assets (ROA) | 0.8569% | 3,060 |
| Pretax return on assets | 0.9642% | 3,179 |
| Return on Equity (ROE) | 15.7300% | 1,099 |
| Retained earnings to average equity (ytd only) | 15.7316% | 237 |
| Net charge-offs to loans | -0.0285% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.0630% | 1,678 |
| Assets per employee ($millions) | 4.7505% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 1,027 |
| Loan loss allowance to noncurrent loans | 918.3908% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.7236% | 656 |
| Noncurrent loans to loans | 0.1713% | 2,626 |
| Net loans and leases to total assets | 32.8800% | 4,315 |
| Net loans and leases to deposits | 34.4847% | 4,385 |
| Net loans and leases to core deposits | 34.6208% | 4,403 |
| Total domestic deposits to total assets | 95.3400% | 117 |
| Equity capital to assets | 4.1436% | 4,503 |
| Core capital (leverage) ratio | 9.3569% | 3,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6293% | 504 |
| Memoranda: | ||
| Average total assets | $155,564,200 | 3,385 |
| Average earning assets | $148,478,200 | 3,339 |
| Average equity | $8,473,400 | 4,053 |
| Average total loans | $49,082,600 | 3,911 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0656% | 3,751 |
| Cost of funding earning assets | 0.0741% | 4,462 |
| Net interest margin | 2.9914% | 3,240 |
| Noninterest income to average assets | 1.7100% | 314 |
| Noninterest expense to average assets | 3.2572% | 631 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 1.2192% | 1,637 |
| Return on assets (ROA) | 1.2153% | 1,622 |
| Pretax return on assets | 1.3184% | 1,983 |
| Return on Equity (ROE) | 21.0900% | 346 |
| Retained earnings to average equity (ytd only) | 21.0856% | 81 |
| Net charge-offs to loans | -0.0932% | 4,475 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.1551% | 1,741 |
| Assets per employee ($millions) | 5.3178% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5633% | 1,143 |
| Loan loss allowance to noncurrent loans | 780.0000% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.6964% | 746 |
| Noncurrent loans to loans | 0.2004% | 2,603 |
| Net loans and leases to total assets | 33.4400% | 4,323 |
| Net loans and leases to deposits | 34.6170% | 4,401 |
| Net loans and leases to core deposits | 34.6798% | 4,428 |
| Total domestic deposits to total assets | 96.6000% | 96 |
| Equity capital to assets | 2.8726% | 4,599 |
| Core capital (leverage) ratio | 9.2332% | 3,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8944% | 572 |
| Memoranda: | ||
| Average total assets | $156,451,000 | 3,401 |
| Average earning assets | $149,310,750 | 3,354 |
| Average equity | $9,017,000 | 4,034 |
| Average total loans | $48,658,500 | 3,931 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8913% | 3,806 |
| Cost of funding earning assets | 0.0760% | 4,416 |
| Net interest margin | 2.8152% | 3,401 |
| Noninterest income to average assets | 1.8410% | 256 |
| Noninterest expense to average assets | 3.1528% | 678 |
| Loan and lease loss provision to assets | -0.0293% | 4,463 |
| Net operating income to assets | 1.3074% | 1,119 |
| Return on assets (ROA) | 1.3003% | 1,118 |
| Pretax return on assets | 1.3957% | 1,452 |
| Return on Equity (ROE) | 19.3818% | 354 |
| Retained earnings to average equity (ytd only) | 19.3818% | 86 |
| Net charge-offs to loans | -0.1308% | 4,506 |
| Credit loss provision to net charge-offs | 74.1935% | 1,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4373% | 2,180 |
| Assets per employee ($millions) | 4.7793% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 1,026 |
| Loan loss allowance to noncurrent loans | 668.0328% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.6917% | 785 |
| Noncurrent loans to loans | 0.2490% | 2,486 |
| Net loans and leases to total assets | 30.5516% | 4,444 |
| Net loans and leases to deposits | 32.1272% | 4,498 |
| Net loans and leases to core deposits | 32.1851% | 4,531 |
| Total domestic deposits to total assets | 95.0956% | 137 |
| Equity capital to assets | 4.4314% | 4,570 |
| Core capital (leverage) ratio | 9.3399% | 3,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3010% | 517 |
| Memoranda: | ||
| Average total assets | $157,195,667 | 3,437 |
| Average earning assets | $149,969,000 | 3,396 |
| Average equity | $10,546,000 | 3,929 |
| Average total loans | $47,414,667 | 4,006 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7450% | 3,852 |
| Cost of funding earning assets | 0.0772% | 4,381 |
| Net interest margin | 2.6678% | 3,484 |
| Noninterest income to average assets | 1.3585% | 403 |
| Noninterest expense to average assets | 3.0484% | 757 |
| Loan and lease loss provision to assets | -0.0586% | 4,530 |
| Net operating income to assets | 0.8464% | 2,496 |
| Return on assets (ROA) | 0.8488% | 2,481 |
| Pretax return on assets | 0.9252% | 2,679 |
| Return on Equity (ROE) | 10.8077% | 1,678 |
| Retained earnings to average equity (ytd only) | 10.8077% | 817 |
| Net charge-offs to loans | -0.2231% | 4,621 |
| Credit loss provision to net charge-offs | 88.4615% | 1,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4169% | 1,471 |
| Assets per employee ($millions) | 4.7828% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7694% | 927 |
| Loan loss allowance to noncurrent loans | 644.4444% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 817 |
| Noncurrent loans to loans | 0.2746% | 2,489 |
| Net loans and leases to total assets | 28.5616% | 4,491 |
| Net loans and leases to deposits | 30.6320% | 4,534 |
| Net loans and leases to core deposits | 30.6875% | 4,568 |
| Total domestic deposits to total assets | 93.2409% | 215 |
| Equity capital to assets | 6.2909% | 4,498 |
| Core capital (leverage) ratio | 9.0531% | 3,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8540% | 661 |
| Memoranda: | ||
| Average total assets | $156,935,000 | 3,451 |
| Average earning assets | $150,237,000 | 3,403 |
| Average equity | $12,324,500 | 3,827 |
| Average total loans | $46,622,000 | 4,027 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3705% | 3,003 |
| Cost of funding earning assets | 0.0883% | 4,471 |
| Net interest margin | 3.2822% | 2,358 |
| Noninterest income to average assets | 1.9308% | 338 |
| Noninterest expense to average assets | 3.4228% | 526 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5557% | 896 |
| Return on assets (ROA) | 1.5784% | 891 |
| Pretax return on assets | 1.6695% | 1,219 |
| Return on Equity (ROE) | 16.5747% | 660 |
| Retained earnings to average equity (ytd only) | 12.1762% | 520 |
| Net charge-offs to loans | -0.0287% | 4,106 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9583% | 2,266 |
| Assets per employee ($millions) | 4.5894% | 4,049 |
| Cash dividends to net income (ytd only)* | 26.5375% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7063% | 1,034 |
| Loan loss allowance to noncurrent loans | 545.9459% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.7158% | 878 |
| Noncurrent loans to loans | 0.3125% | 2,469 |
| Net loans and leases to total assets | 29.8291% | 4,513 |
| Net loans and leases to deposits | 33.1253% | 4,553 |
| Net loans and leases to core deposits | 33.1881% | 4,583 |
| Total domestic deposits to total assets | 90.0493% | 937 |
| Equity capital to assets | 9.4335% | 3,197 |
| Core capital (leverage) ratio | 8.8916% | 3,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6343% | 586 |
| Memoranda: | ||
| Average total assets | $150,402,800 | 3,478 |
| Average earning assets | $143,776,800 | 3,432 |
| Average equity | $14,323,000 | 3,705 |
| Average total loans | $52,274,000 | 3,959 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4687% | 2,928 |
| Cost of funding earning assets | 0.0899% | 4,574 |
| Net interest margin | 3.3788% | 2,213 |
| Noninterest income to average assets | 1.7888% | 399 |
| Noninterest expense to average assets | 3.4130% | 520 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6027% | 1,023 |
| Return on assets (ROA) | 1.6278% | 1,011 |
| Pretax return on assets | 1.6296% | 1,607 |
| Return on Equity (ROE) | 17.0509% | 756 |
| Retained earnings to average equity (ytd only) | 17.0509% | 234 |
| Net charge-offs to loans | -0.0399% | 4,252 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3278% | 2,058 |
| Assets per employee ($millions) | 4.4163% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6162% | 1,298 |
| Loan loss allowance to noncurrent loans | 128.8217% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.0332% | 627 |
| Noncurrent loans to loans | 1.2546% | 880 |
| Net loans and leases to total assets | 31.8604% | 4,544 |
| Net loans and leases to deposits | 35.5202% | 4,589 |
| Net loans and leases to core deposits | 35.5885% | 4,621 |
| Total domestic deposits to total assets | 89.6966% | 916 |
| Equity capital to assets | 9.7554% | 3,146 |
| Core capital (leverage) ratio | 9.0054% | 3,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6706% | 629 |
| Memoranda: | ||
| Average total assets | $148,993,750 | 3,523 |
| Average earning assets | $142,373,750 | 3,485 |
| Average equity | $14,223,750 | 3,765 |
| Average total loans | $53,504,250 | 3,990 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3360% | 3,339 |
| Cost of funding earning assets | 0.0911% | 4,630 |
| Net interest margin | 3.2448% | 2,620 |
| Noninterest income to average assets | 1.8201% | 383 |
| Noninterest expense to average assets | 3.4159% | 521 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5020% | 1,284 |
| Return on assets (ROA) | 1.5319% | 1,274 |
| Pretax return on assets | 1.5319% | 1,921 |
| Return on Equity (ROE) | 16.1708% | 924 |
| Retained earnings to average equity (ytd only) | 16.1708% | 326 |
| Net charge-offs to loans | -0.0549% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5235% | 1,936 |
| Assets per employee ($millions) | 4.4547% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 1,529 |
| Loan loss allowance to noncurrent loans | 136.7797% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.0293% | 724 |
| Noncurrent loans to loans | 1.1099% | 1,087 |
| Net loans and leases to total assets | 34.5629% | 4,520 |
| Net loans and leases to deposits | 38.5702% | 4,564 |
| Net loans and leases to core deposits | 38.6459% | 4,608 |
| Total domestic deposits to total assets | 89.6105% | 973 |
| Equity capital to assets | 9.6309% | 3,217 |
| Core capital (leverage) ratio | 8.7627% | 3,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4206% | 766 |
| Memoranda: | ||
| Average total assets | $147,134,667 | 3,549 |
| Average earning assets | $140,469,667 | 3,509 |
| Average equity | $13,938,667 | 3,799 |
| Average total loans | $54,653,667 | 3,995 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3636% | 3,297 |
| Cost of funding earning assets | 0.0954% | 4,683 |
| Net interest margin | 3.2681% | 2,488 |
| Noninterest income to average assets | 2.0004% | 374 |
| Noninterest expense to average assets | 3.3744% | 542 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7438% | 878 |
| Return on assets (ROA) | 1.7769% | 876 |
| Pretax return on assets | 1.7769% | 1,337 |
| Return on Equity (ROE) | 18.9210% | 632 |
| Retained earnings to average equity (ytd only) | 18.9210% | 321 |
| Net charge-offs to loans | -0.0072% | 3,534 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5580% | 2,524 |
| Assets per employee ($millions) | 4.1593% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 1,921 |
| Loan loss allowance to noncurrent loans | 131.6225% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 1.0659% | 763 |
| Noncurrent loans to loans | 1.0694% | 1,257 |
| Net loans and leases to total assets | 37.1890% | 4,446 |
| Net loans and leases to deposits | 41.1497% | 4,530 |
| Net loans and leases to core deposits | 41.2295% | 4,585 |
| Total domestic deposits to total assets | 90.3750% | 631 |
| Equity capital to assets | 8.9158% | 3,771 |
| Core capital (leverage) ratio | 8.9494% | 3,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4110% | 740 |
| Memoranda: | ||
| Average total assets | $144,972,000 | 3,575 |
| Average earning assets | $138,305,500 | 3,533 |
| Average equity | $13,614,500 | 3,834 |
| Average total loans | $55,402,500 | 4,002 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7281% | 3,501 |
| Cost of funding earning assets | 0.1754% | 4,661 |
| Net interest margin | 3.5527% | 2,302 |
| Noninterest income to average assets | 1.7949% | 395 |
| Noninterest expense to average assets | 3.8408% | 436 |
| Loan and lease loss provision to assets | 0.1949% | 2,008 |
| Net operating income to assets | 1.1368% | 1,777 |
| Return on assets (ROA) | 1.1859% | 1,707 |
| Pretax return on assets | 1.1875% | 2,375 |
| Return on Equity (ROE) | 11.9455% | 1,337 |
| Retained earnings to average equity (ytd only) | 6.8406% | 1,448 |
| Net charge-offs to loans | -0.0119% | 4,297 |
| Credit loss provision to net charge-offs | -3,571.4286% | 4,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5286% | 1,624 |
| Assets per employee ($millions) | 4.0060% | 4,374 |
| Cash dividends to net income (ytd only)* | 42.7350% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 1,733 |
| Loan loss allowance to noncurrent loans | 97.4201% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.2881% | 628 |
| Noncurrent loans to loans | 1.4984% | 889 |
| Net loans and leases to total assets | 38.1801% | 4,515 |
| Net loans and leases to deposits | 42.6244% | 4,573 |
| Net loans and leases to core deposits | 42.7135% | 4,638 |
| Total domestic deposits to total assets | 89.5734% | 746 |
| Equity capital to assets | 9.8988% | 3,218 |
| Core capital (leverage) ratio | 9.1163% | 3,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7271% | 807 |
| Memoranda: | ||
| Average total assets | $128,254,400 | 3,647 |
| Average earning assets | $121,991,800 | 3,603 |
| Average equity | $12,732,800 | 3,892 |
| Average total loans | $58,682,600 | 3,944 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7578% | 3,668 |
| Cost of funding earning assets | 0.1992% | 4,681 |
| Net interest margin | 3.5586% | 2,397 |
| Noninterest income to average assets | 1.7796% | 376 |
| Noninterest expense to average assets | 3.8839% | 419 |
| Loan and lease loss provision to assets | 0.1812% | 2,168 |
| Net operating income to assets | 1.0974% | 1,988 |
| Return on assets (ROA) | 1.1591% | 1,903 |
| Pretax return on assets | 1.1612% | 2,525 |
| Return on Equity (ROE) | 11.6659% | 1,459 |
| Retained earnings to average equity (ytd only) | 11.6659% | 476 |
| Net charge-offs to loans | 0.0223% | 2,405 |
| Credit loss provision to net charge-offs | 1,700.0000% | 556 |
| Earnings coverage of net charge-offs (x) | 120.3000% | 695 |
| Efficiency ratio | 73.3306% | 1,478 |
| Assets per employee ($millions) | 3.7880% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 2,893 |
| Loan loss allowance to noncurrent loans | 62.5899% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.5870% | 514 |
| Noncurrent loans to loans | 1.8505% | 701 |
| Net loans and leases to total assets | 44.8009% | 4,381 |
| Net loans and leases to deposits | 50.4472% | 4,475 |
| Net loans and leases to core deposits | 50.5597% | 4,565 |
| Total domestic deposits to total assets | 88.8075% | 860 |
| Equity capital to assets | 10.4669% | 2,820 |
| Core capital (leverage) ratio | 9.4804% | 3,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5600% | 717 |
| Memoranda: | ||
| Average total assets | $125,265,750 | 3,678 |
| Average earning assets | $119,144,000 | 3,622 |
| Average equity | $12,446,250 | 3,926 |
| Average total loans | $59,772,000 | 3,943 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8418% | 3,760 |
| Cost of funding earning assets | 0.1658% | 4,845 |
| Net interest margin | 3.6761% | 2,252 |
| Noninterest income to average assets | 1.6837% | 374 |
| Noninterest expense to average assets | 3.9112% | 454 |
| Loan and lease loss provision to assets | 0.1791% | 2,228 |
| Net operating income to assets | 1.0926% | 1,994 |
| Return on assets (ROA) | 1.1887% | 1,803 |
| Pretax return on assets | 1.1919% | 2,388 |
| Return on Equity (ROE) | 12.1978% | 1,284 |
| Retained earnings to average equity (ytd only) | 12.1978% | 437 |
| Net charge-offs to loans | -0.0034% | 3,904 |
| Credit loss provision to net charge-offs | -11,000.0000% | 4,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5322% | 1,506 |
| Assets per employee ($millions) | 3.6182% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 3,448 |
| Loan loss allowance to noncurrent loans | 40.6152% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.9431% | 384 |
| Noncurrent loans to loans | 2.5204% | 459 |
| Net loans and leases to total assets | 48.0254% | 4,250 |
| Net loans and leases to deposits | 54.2635% | 4,369 |
| Net loans and leases to core deposits | 54.3871% | 4,485 |
| Total domestic deposits to total assets | 88.5042% | 944 |
| Equity capital to assets | 10.1247% | 3,091 |
| Core capital (leverage) ratio | 9.2817% | 3,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7227% | 946 |
| Memoranda: | ||
| Average total assets | $122,827,667 | 3,690 |
| Average earning assets | $117,027,333 | 3,636 |
| Average equity | $11,969,333 | 3,987 |
| Average total loans | $59,665,000 | 3,955 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9769% | 3,856 |
| Cost of funding earning assets | 0.1725% | 4,940 |
| Net interest margin | 3.8045% | 1,952 |
| Noninterest income to average assets | 1.4910% | 398 |
| Noninterest expense to average assets | 4.1104% | 445 |
| Loan and lease loss provision to assets | 0.1175% | 2,219 |
| Net operating income to assets | 0.8884% | 2,558 |
| Return on assets (ROA) | 1.0712% | 2,036 |
| Pretax return on assets | 1.0780% | 2,593 |
| Return on Equity (ROE) | 11.2324% | 1,346 |
| Retained earnings to average equity (ytd only) | 11.2324% | 538 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0820% | 1,228 |
| Assets per employee ($millions) | 3.3263% | 4,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 3,771 |
| Loan loss allowance to noncurrent loans | 22.4490% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 2.1278% | 364 |
| Noncurrent loans to loans | 4.4008% | 157 |
| Net loans and leases to total assets | 47.8738% | 4,342 |
| Net loans and leases to deposits | 53.7102% | 4,458 |
| Net loans and leases to core deposits | 53.8403% | 4,574 |
| Total domestic deposits to total assets | 89.1337% | 612 |
| Equity capital to assets | 9.6070% | 4,128 |
| Core capital (leverage) ratio | 9.6101% | 3,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6669% | 1,034 |
| Memoranda: | ||
| Average total assets | $119,113,500 | 3,716 |
| Average earning assets | $113,655,000 | 3,654 |
| Average equity | $11,360,000 | 4,087 |
| Average total loans | $57,896,000 | 3,991 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3056% | 3,530 |
| Cost of funding earning assets | 0.1778% | 5,001 |
| Net interest margin | 4.1278% | 1,474 |
| Noninterest income to average assets | 1.7481% | 319 |
| Noninterest expense to average assets | 4.4895% | 310 |
| Loan and lease loss provision to assets | 0.0528% | 2,978 |
| Net operating income to assets | 1.1059% | 2,416 |
| Return on assets (ROA) | 1.2062% | 2,123 |
| Pretax return on assets | 1.2079% | 2,811 |
| Return on Equity (ROE) | 12.1115% | 1,469 |
| Retained earnings to average equity (ytd only) | 2.7474% | 3,665 |
| Net charge-offs to loans | 0.0529% | 2,353 |
| Credit loss provision to net charge-offs | 193.5484% | 1,369 |
| Earnings coverage of net charge-offs (x) | 42.5484% | 1,257 |
| Efficiency ratio | 78.6204% | 1,077 |
| Assets per employee ($millions) | 3.3852% | 4,575 |
| Cash dividends to net income (ytd only)* | 77.3158% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9258% | 3,858 |
| Loan loss allowance to noncurrent loans | 20.6154% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 2.4417% | 269 |
| Noncurrent loans to loans | 4.4910% | 126 |
| Net loans and leases to total assets | 48.4103% | 4,410 |
| Net loans and leases to deposits | 54.2306% | 4,523 |
| Net loans and leases to core deposits | 54.3632% | 4,636 |
| Total domestic deposits to total assets | 89.2675% | 571 |
| Equity capital to assets | 9.4665% | 4,378 |
| Core capital (leverage) ratio | 9.5198% | 4,040 |
| Tier 1 risk-based capital ratio | 17.3732% | 1,933 |
| Total risk-based capital ratio | 18.2055% | 2,011 |
| Memoranda: | ||
| Average total assets | $113,664,000 | 3,779 |
| Average earning assets | $107,441,000 | 3,751 |
| Average equity | $11,319,800 | 4,077 |
| Average total loans | $58,630,800 | 4,008 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3123% | 3,623 |
| Cost of funding earning assets | 0.1797% | 5,073 |
| Net interest margin | 4.1326% | 1,543 |
| Noninterest income to average assets | 1.7238% | 331 |
| Noninterest expense to average assets | 4.4803% | 303 |
| Loan and lease loss provision to assets | 0.0534% | 2,843 |
| Net operating income to assets | 1.0860% | 2,629 |
| Return on assets (ROA) | 1.2283% | 2,174 |
| Pretax return on assets | 1.2306% | 2,880 |
| Return on Equity (ROE) | 12.1746% | 1,554 |
| Retained earnings to average equity (ytd only) | -0.2820% | 4,787 |
| Net charge-offs to loans | -0.0453% | 4,813 |
| Credit loss provision to net charge-offs | -225.0000% | 4,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9540% | 1,021 |
| Assets per employee ($millions) | 3.1654% | 4,781 |
| Cash dividends to net income (ytd only)* | 102.3167% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 3,750 |
| Loan loss allowance to noncurrent loans | 21.6585% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 2.6441% | 238 |
| Noncurrent loans to loans | 4.4654% | 133 |
| Net loans and leases to total assets | 51.3993% | 4,345 |
| Net loans and leases to deposits | 58.0428% | 4,474 |
| Net loans and leases to core deposits | 58.1916% | 4,596 |
| Total domestic deposits to total assets | 88.5541% | 802 |
| Equity capital to assets | 10.0498% | 3,968 |
| Core capital (leverage) ratio | 9.8410% | 3,797 |
| Tier 1 risk-based capital ratio | 17.1573% | 2,034 |
| Total risk-based capital ratio | 18.0615% | 2,097 |
| Memoranda: | ||
| Average total assets | $112,459,750 | 3,841 |
| Average earning assets | $106,080,500 | 3,819 |
| Average equity | $11,345,750 | 4,117 |
| Average total loans | $58,815,250 | 4,053 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 3,575 |
| Cost of funding earning assets | 0.1816% | 5,111 |
| Net interest margin | 4.1400% | 1,499 |
| Noninterest income to average assets | 1.7167% | 326 |
| Noninterest expense to average assets | 4.5033% | 307 |
| Loan and lease loss provision to assets | 0.0179% | 3,431 |
| Net operating income to assets | 1.1004% | 2,522 |
| Return on assets (ROA) | 1.3147% | 1,781 |
| Pretax return on assets | 1.3183% | 2,487 |
| Return on Equity (ROE) | 13.0147% | 1,235 |
| Retained earnings to average equity (ytd only) | 13.0147% | 298 |
| Net charge-offs to loans | -0.0545% | 4,848 |
| Credit loss provision to net charge-offs | -62.5000% | 3,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4538% | 1,018 |
| Assets per employee ($millions) | 3.0501% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 4,106 |
| Loan loss allowance to noncurrent loans | 19.6824% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 2.8141% | 233 |
| Noncurrent loans to loans | 4.5567% | 132 |
| Net loans and leases to total assets | 53.6379% | 4,235 |
| Net loans and leases to deposits | 61.2626% | 4,363 |
| Net loans and leases to core deposits | 61.4274% | 4,521 |
| Total domestic deposits to total assets | 87.5541% | 1,311 |
| Equity capital to assets | 11.0024% | 3,053 |
| Core capital (leverage) ratio | 10.5321% | 3,052 |
| Tier 1 risk-based capital ratio | 18.4585% | 1,682 |
| Total risk-based capital ratio | 19.3057% | 1,748 |
| Memoranda: | ||
| Average total assets | $111,962,000 | 3,870 |
| Average earning assets | $105,699,670 | 3,851 |
| Average equity | $11,310,330 | 4,130 |
| Average total loans | $58,706,000 | 4,078 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2456% | 3,724 |
| Cost of funding earning assets | 0.1802% | 5,158 |
| Net interest margin | 4.0654% | 1,654 |
| Noninterest income to average assets | 1.5959% | 347 |
| Noninterest expense to average assets | 4.2392% | 379 |
| Loan and lease loss provision to assets | 0.0354% | 2,918 |
| Net operating income to assets | 1.1464% | 2,288 |
| Return on assets (ROA) | 1.1429% | 2,348 |
| Pretax return on assets | 1.1500% | 2,977 |
| Return on Equity (ROE) | 11.8261% | 1,602 |
| Retained earnings to average equity (ytd only) | 11.8261% | 642 |
| Net charge-offs to loans | -0.0960% | 5,017 |
| Credit loss provision to net charge-offs | -71.4286% | 3,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5098% | 1,325 |
| Assets per employee ($millions) | 3.2193% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9066% | 4,122 |
| Loan loss allowance to noncurrent loans | 23.4852% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 2.5498% | 296 |
| Noncurrent loans to loans | 3.8601% | 206 |
| Net loans and leases to total assets | 51.5132% | 4,375 |
| Net loans and leases to deposits | 58.1507% | 4,494 |
| Net loans and leases to core deposits | 58.2991% | 4,635 |
| Total domestic deposits to total assets | 88.5857% | 1,045 |
| Equity capital to assets | 10.0875% | 3,731 |
| Core capital (leverage) ratio | 9.9582% | 3,649 |
| Tier 1 risk-based capital ratio | 18.1036% | 1,769 |
| Total risk-based capital ratio | 18.9620% | 1,837 |
| Memoranda: | ||
| Average total assets | $113,041,500 | 3,895 |
| Average earning assets | $106,558,500 | 3,870 |
| Average equity | $10,925,000 | 4,203 |
| Average total loans | $58,344,500 | 4,126 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2063% | 3,432 |
| Cost of funding earning assets | 0.1717% | 5,106 |
| Net interest margin | 4.0346% | 1,872 |
| Noninterest income to average assets | 1.7450% | 320 |
| Noninterest expense to average assets | 4.3330% | 354 |
| Loan and lease loss provision to assets | 0.2054% | 916 |
| Net operating income to assets | 1.0038% | 2,994 |
| Return on assets (ROA) | 1.0002% | 2,998 |
| Pretax return on assets | 1.0020% | 3,595 |
| Return on Equity (ROE) | 10.8580% | 2,146 |
| Retained earnings to average equity (ytd only) | 5.2836% | 2,609 |
| Net charge-offs to loans | 0.0405% | 2,594 |
| Credit loss provision to net charge-offs | 958.3333% | 385 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 1,062 |
| Efficiency ratio | 77.4162% | 1,189 |
| Assets per employee ($millions) | 3.1503% | 4,885 |
| Cash dividends to net income (ytd only)* | 51.3393% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 4,288 |
| Loan loss allowance to noncurrent loans | 20.4106% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 2.7299% | 260 |
| Noncurrent loans to loans | 4.2742% | 163 |
| Net loans and leases to total assets | 50.7976% | 4,467 |
| Net loans and leases to deposits | 56.7985% | 4,628 |
| Net loans and leases to core deposits | 56.9411% | 4,746 |
| Total domestic deposits to total assets | 89.4347% | 684 |
| Equity capital to assets | 9.2444% | 4,371 |
| Core capital (leverage) ratio | 9.8162% | 3,779 |
| Tier 1 risk-based capital ratio | 17.5620% | 1,880 |
| Total risk-based capital ratio | 18.3806% | 1,966 |
| Memoranda: | ||
| Average total assets | $111,979,000 | 3,910 |
| Average earning assets | $105,437,800 | 3,887 |
| Average equity | $10,315,000 | 4,263 |
| Average total loans | $59,202,600 | 4,112 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1187% | 3,569 |
| Cost of funding earning assets | 0.1673% | 5,156 |
| Net interest margin | 3.9513% | 2,125 |
| Noninterest income to average assets | 1.7523% | 339 |
| Noninterest expense to average assets | 4.2846% | 360 |
| Loan and lease loss provision to assets | 0.2031% | 846 |
| Net operating income to assets | 0.9854% | 3,148 |
| Return on assets (ROA) | 0.9843% | 3,167 |
| Pretax return on assets | 0.9866% | 3,757 |
| Return on Equity (ROE) | 10.6947% | 2,308 |
| Retained earnings to average equity (ytd only) | 10.6947% | 726 |
| Net charge-offs to loans | 0.0112% | 3,017 |
| Credit loss provision to net charge-offs | 3,400.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 199.2954% | 440 |
| Efficiency ratio | 77.4433% | 1,176 |
| Assets per employee ($millions) | 3.0697% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7840% | 4,680 |
| Loan loss allowance to noncurrent loans | 28.7300% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 1.8152% | 632 |
| Noncurrent loans to loans | 2.7290% | 444 |
| Net loans and leases to total assets | 53.3622% | 4,399 |
| Net loans and leases to deposits | 59.8717% | 4,557 |
| Net loans and leases to core deposits | 60.0265% | 4,703 |
| Total domestic deposits to total assets | 89.1276% | 803 |
| Equity capital to assets | 9.4400% | 4,141 |
| Core capital (leverage) ratio | 10.1566% | 3,460 |
| Tier 1 risk-based capital ratio | 17.9972% | 1,798 |
| Total risk-based capital ratio | 18.7489% | 1,890 |
| Memoranda: | ||
| Average total assets | $111,621,500 | 3,957 |
| Average earning assets | $105,177,250 | 3,933 |
| Average equity | $10,272,750 | 4,312 |
| Average total loans | $59,474,250 | 4,149 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1179% | 3,387 |
| Cost of funding earning assets | 0.1648% | 5,177 |
| Net interest margin | 3.9531% | 2,025 |
| Noninterest income to average assets | 1.6787% | 359 |
| Noninterest expense to average assets | 4.2342% | 395 |
| Loan and lease loss provision to assets | 0.2143% | 775 |
| Net operating income to assets | 0.9536% | 3,216 |
| Return on assets (ROA) | 0.9536% | 3,224 |
| Pretax return on assets | 0.9572% | 3,783 |
| Return on Equity (ROE) | 10.4504% | 2,360 |
| Retained earnings to average equity (ytd only) | 10.4504% | 807 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5355% | 1,242 |
| Assets per employee ($millions) | 3.0596% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8033% | 4,678 |
| Loan loss allowance to noncurrent loans | 66.8975% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 0.9733% | 1,547 |
| Noncurrent loans to loans | 1.2008% | 1,448 |
| Net loans and leases to total assets | 54.1518% | 4,327 |
| Net loans and leases to deposits | 60.7344% | 4,490 |
| Net loans and leases to core deposits | 60.8918% | 4,661 |
| Total domestic deposits to total assets | 89.1617% | 864 |
| Equity capital to assets | 9.4157% | 4,179 |
| Core capital (leverage) ratio | 9.7480% | 3,843 |
| Tier 1 risk-based capital ratio | 17.2874% | 2,009 |
| Total risk-based capital ratio | 17.9572% | 2,137 |
| Memoranda: | ||
| Average total assets | $111,992,330 | 3,984 |
| Average earning assets | $105,589,000 | 3,954 |
| Average equity | $10,219,670 | 4,353 |
| Average total loans | $59,487,000 | 4,176 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 3,552 |
| Cost of funding earning assets | 0.1541% | 5,248 |
| Net interest margin | 3.8611% | 2,192 |
| Noninterest income to average assets | 1.5339% | 413 |
| Noninterest expense to average assets | 4.1589% | 436 |
| Loan and lease loss provision to assets | 0.2125% | 758 |
| Net operating income to assets | 0.7937% | 3,729 |
| Return on assets (ROA) | 0.8077% | 3,686 |
| Pretax return on assets | 0.8148% | 4,112 |
| Return on Equity (ROE) | 8.9905% | 2,910 |
| Retained earnings to average equity (ytd only) | 8.9905% | 1,463 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6575% | 1,181 |
| Assets per employee ($millions) | 3.1181% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7260% | 4,971 |
| Loan loss allowance to noncurrent loans | 75.8497% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 0.8410% | 1,883 |
| Noncurrent loans to loans | 0.9572% | 1,913 |
| Net loans and leases to total assets | 51.6494% | 4,460 |
| Net loans and leases to deposits | 57.6528% | 4,604 |
| Net loans and leases to core deposits | 57.6528% | 4,770 |
| Total domestic deposits to total assets | 89.5869% | 842 |
| Equity capital to assets | 8.9592% | 4,603 |
| Core capital (leverage) ratio | 9.4068% | 4,180 |
| Tier 1 risk-based capital ratio | 15.2784% | 2,749 |
| Total risk-based capital ratio | 15.8109% | 2,996 |
| Memoranda: | ||
| Average total assets | $112,915,500 | 4,013 |
| Average earning assets | $106,395,000 | 3,980 |
| Average equity | $10,144,000 | 4,406 |
| Average total loans | $59,166,000 | 4,218 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0269% | 3,319 |
| Cost of funding earning assets | 0.1611% | 5,203 |
| Net interest margin | 3.8658% | 2,199 |
| Noninterest income to average assets | 1.7381% | 365 |
| Noninterest expense to average assets | 4.3115% | 372 |
| Loan and lease loss provision to assets | 0.2292% | 854 |
| Net operating income to assets | 0.8325% | 3,021 |
| Return on assets (ROA) | 0.8030% | 3,186 |
| Pretax return on assets | 0.8048% | 4,229 |
| Return on Equity (ROE) | 8.7957% | 2,406 |
| Retained earnings to average equity (ytd only) | 6.2248% | 1,423 |
| Net charge-offs to loans | 0.5776% | 398 |
| Credit loss provision to net charge-offs | 72.3032% | 3,058 |
| Earnings coverage of net charge-offs (x) | 3.3557% | 3,618 |
| Efficiency ratio | 79.5255% | 1,157 |
| Assets per employee ($millions) | 3.2451% | 4,992 |
| Cash dividends to net income (ytd only)* | 29.2290% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6074% | 5,230 |
| Loan loss allowance to noncurrent loans | 59.4771% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 0.8470% | 1,840 |
| Noncurrent loans to loans | 1.0212% | 1,743 |
| Net loans and leases to total assets | 52.4450% | 4,487 |
| Net loans and leases to deposits | 58.5720% | 4,662 |
| Net loans and leases to core deposits | 58.5720% | 4,826 |
| Total domestic deposits to total assets | 89.5393% | 755 |
| Equity capital to assets | 9.0079% | 4,715 |
| Core capital (leverage) ratio | 9.2895% | 4,306 |
| Tier 1 risk-based capital ratio | 14.7552% | 2,957 |
| Total risk-based capital ratio | 15.1936% | 3,300 |
| Memoranda: | ||
| Average total assets | $108,222,600 | 4,098 |
| Average earning assets | $101,814,800 | 4,063 |
| Average equity | $9,879,800 | 4,470 |
| Average total loans | $59,380,800 | 4,215 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0229% | 3,270 |
| Cost of funding earning assets | 0.1606% | 5,248 |
| Net interest margin | 3.8623% | 2,177 |
| Noninterest income to average assets | 1.7152% | 389 |
| Noninterest expense to average assets | 4.3348% | 359 |
| Loan and lease loss provision to assets | 0.2345% | 768 |
| Net operating income to assets | 0.7734% | 3,630 |
| Return on assets (ROA) | 0.7385% | 3,854 |
| Pretax return on assets | 0.7410% | 4,511 |
| Return on Equity (ROE) | 8.0608% | 3,097 |
| Retained earnings to average equity (ytd only) | 4.6023% | 3,141 |
| Net charge-offs to loans | 0.7719% | 239 |
| Credit loss provision to net charge-offs | 54.8105% | 2,859 |
| Earnings coverage of net charge-offs (x) | 2.3615% | 3,470 |
| Efficiency ratio | 80.4201% | 1,057 |
| Assets per employee ($millions) | 3.0032% | 5,267 |
| Cash dividends to net income (ytd only)* | 42.9058% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5085% | 5,454 |
| Loan loss allowance to noncurrent loans | 48.5623% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 1.0378% | 1,629 |
| Noncurrent loans to loans | 1.0472% | 1,848 |
| Net loans and leases to total assets | 55.0094% | 4,321 |
| Net loans and leases to deposits | 61.7937% | 4,524 |
| Net loans and leases to core deposits | 61.7937% | 4,724 |
| Total domestic deposits to total assets | 89.0211% | 875 |
| Equity capital to assets | 9.4075% | 4,535 |
| Core capital (leverage) ratio | 9.4012% | 4,290 |
| Tier 1 risk-based capital ratio | 14.1678% | 3,365 |
| Total risk-based capital ratio | 14.5158% | 3,757 |
| Memoranda: | ||
| Average total assets | $106,883,750 | 4,159 |
| Average earning assets | $100,455,000 | 4,126 |
| Average equity | $9,792,000 | 4,532 |
| Average total loans | $59,243,500 | 4,263 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9409% | 3,404 |
| Cost of funding earning assets | 0.1618% | 5,258 |
| Net interest margin | 3.7791% | 2,363 |
| Noninterest income to average assets | 1.6361% | 425 |
| Noninterest expense to average assets | 4.3504% | 354 |
| Loan and lease loss provision to assets | 0.2123% | 841 |
| Net operating income to assets | 0.6231% | 4,196 |
| Return on assets (ROA) | 0.5710% | 4,482 |
| Pretax return on assets | 0.5748% | 4,852 |
| Return on Equity (ROE) | 6.2903% | 3,909 |
| Retained earnings to average equity (ytd only) | 1.0553% | 4,818 |
| Net charge-offs to loans | 1.1580% | 169 |
| Credit loss provision to net charge-offs | 33.0409% | 2,709 |
| Earnings coverage of net charge-offs (x) | 1.3070% | 3,297 |
| Efficiency ratio | 83.2067% | 906 |
| Assets per employee ($millions) | 2.8266% | 5,404 |
| Cash dividends to net income (ytd only)* | 83.2237% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3823% | 5,622 |
| Loan loss allowance to noncurrent loans | 27.5904% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 1.2913% | 1,286 |
| Noncurrent loans to loans | 1.3855% | 1,398 |
| Net loans and leases to total assets | 55.5591% | 4,261 |
| Net loans and leases to deposits | 62.3229% | 4,484 |
| Net loans and leases to core deposits | 62.3229% | 4,701 |
| Total domestic deposits to total assets | 89.1472% | 888 |
| Equity capital to assets | 9.2608% | 4,664 |
| Core capital (leverage) ratio | 9.2590% | 4,418 |
| Tier 1 risk-based capital ratio | 13.6645% | 3,613 |
| Total risk-based capital ratio | 13.9066% | 4,123 |
| Memoranda: | ||
| Average total assets | $106,473,000 | 4,195 |
| Average earning assets | $100,128,670 | 4,162 |
| Average equity | $9,665,670 | 4,568 |
| Average total loans | $59,065,330 | 4,289 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9092% | 3,368 |
| Cost of funding earning assets | 0.1644% | 5,273 |
| Net interest margin | 3.7449% | 2,329 |
| Noninterest income to average assets | 1.5811% | 450 |
| Noninterest expense to average assets | 4.2979% | 384 |
| Loan and lease loss provision to assets | 0.3019% | 444 |
| Net operating income to assets | 0.4958% | 4,614 |
| Return on assets (ROA) | 0.3849% | 5,015 |
| Pretax return on assets | 0.3924% | 5,168 |
| Return on Equity (ROE) | 4.2835% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.2835% | 3,292 |
| Net charge-offs to loans | 0.6616% | 268 |
| Credit loss provision to net charge-offs | 82.4742% | 1,744 |
| Earnings coverage of net charge-offs (x) | 2.2062% | 2,624 |
| Efficiency ratio | 83.5920% | 1,009 |
| Assets per employee ($millions) | 2.9523% | 5,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7498% | 5,198 |
| Loan loss allowance to noncurrent loans | 17.9894% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 2.8669% | 361 |
| Noncurrent loans to loans | 4.1682% | 241 |
| Net loans and leases to total assets | 55.0470% | 4,251 |
| Net loans and leases to deposits | 61.5123% | 4,465 |
| Net loans and leases to core deposits | 61.5123% | 4,690 |
| Total domestic deposits to total assets | 89.4893% | 901 |
| Equity capital to assets | 9.1173% | 4,695 |
| Core capital (leverage) ratio | 9.2320% | 4,431 |
| Tier 1 risk-based capital ratio | 13.7276% | 3,649 |
| Total risk-based capital ratio | 14.2659% | 3,972 |
| Memoranda: | ||
| Average total assets | $106,004,500 | 4,245 |
| Average earning assets | $99,763,500 | 4,205 |
| Average equity | $9,525,000 | 4,620 |
| Average total loans | $58,645,500 | 4,330 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8452% | 3,760 |
| Cost of funding earning assets | 0.3865% | 3,140 |
| Net interest margin | 3.4587% | 3,591 |
| Noninterest income to average assets | 1.6456% | 443 |
| Noninterest expense to average assets | 4.3354% | 435 |
| Loan and lease loss provision to assets | 0.0356% | 3,656 |
| Net operating income to assets | 0.5245% | 4,534 |
| Return on assets (ROA) | 0.6041% | 4,303 |
| Pretax return on assets | 0.6060% | 4,773 |
| Return on Equity (ROE) | 6.6454% | 3,670 |
| Retained earnings to average equity (ytd only) | 4.8321% | 2,455 |
| Net charge-offs to loans | 0.0187% | 3,687 |
| Credit loss provision to net charge-offs | 345.4545% | 885 |
| Earnings coverage of net charge-offs (x) | 54.5455% | 958 |
| Efficiency ratio | 87.6267% | 704 |
| Assets per employee ($millions) | 2.8575% | 5,449 |
| Cash dividends to net income (ytd only)* | 27.2868% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 4,086 |
| Loan loss allowance to noncurrent loans | 21.1150% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 2.9113% | 362 |
| Noncurrent loans to loans | 4.9191% | 165 |
| Net loans and leases to total assets | 54.6105% | 4,383 |
| Net loans and leases to deposits | 60.8627% | 4,617 |
| Net loans and leases to core deposits | 60.8627% | 4,817 |
| Total domestic deposits to total assets | 89.7273% | 762 |
| Equity capital to assets | 8.8530% | 4,965 |
| Core capital (leverage) ratio | 9.2695% | 4,384 |
| Tier 1 risk-based capital ratio | 13.9911% | 3,466 |
| Total risk-based capital ratio | 14.4347% | 3,879 |
| Memoranda: | ||
| Average total assets | $106,771,000 | 4,229 |
| Average earning assets | $100,384,200 | 4,196 |
| Average equity | $9,706,000 | 4,636 |
| Average total loans | $58,951,800 | 4,334 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8573% | 3,744 |
| Cost of funding earning assets | 0.4614% | 2,452 |
| Net interest margin | 3.3958% | 3,854 |
| Noninterest income to average assets | 1.5858% | 490 |
| Noninterest expense to average assets | 4.2665% | 460 |
| Loan and lease loss provision to assets | 0.0473% | 3,303 |
| Net operating income to assets | 0.4597% | 4,837 |
| Return on assets (ROA) | 0.5668% | 4,531 |
| Pretax return on assets | 0.5693% | 4,958 |
| Return on Equity (ROE) | 6.1950% | 3,977 |
| Retained earnings to average equity (ytd only) | 3.7987% | 3,610 |
| Net charge-offs to loans | 0.0271% | 3,124 |
| Credit loss provision to net charge-offs | 316.6667% | 990 |
| Earnings coverage of net charge-offs (x) | 34.0825% | 1,372 |
| Efficiency ratio | 88.4194% | 651 |
| Assets per employee ($millions) | 2.8918% | 5,478 |
| Cash dividends to net income (ytd only)* | 38.6813% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 4,451 |
| Loan loss allowance to noncurrent loans | 20.7547% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 3.0623% | 367 |
| Noncurrent loans to loans | 4.7840% | 186 |
| Net loans and leases to total assets | 57.9477% | 4,098 |
| Net loans and leases to deposits | 65.1409% | 4,414 |
| Net loans and leases to core deposits | 65.1409% | 4,662 |
| Total domestic deposits to total assets | 88.9574% | 928 |
| Equity capital to assets | 9.5710% | 4,586 |
| Core capital (leverage) ratio | 8.9558% | 4,874 |
| Tier 1 risk-based capital ratio | 13.4137% | 3,911 |
| Total risk-based capital ratio | 13.8460% | 4,322 |
| Memoranda: | ||
| Average total assets | $107,032,000 | 4,265 |
| Average earning assets | $100,551,750 | 4,224 |
| Average equity | $9,792,500 | 4,655 |
| Average total loans | $59,103,750 | 4,361 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8196% | 3,887 |
| Cost of funding earning assets | 0.3134% | 3,982 |
| Net interest margin | 3.5062% | 3,470 |
| Noninterest income to average assets | 1.5703% | 494 |
| Noninterest expense to average assets | 4.2164% | 484 |
| Loan and lease loss provision to assets | 0.0481% | 3,188 |
| Net operating income to assets | 0.5963% | 4,287 |
| Return on assets (ROA) | 0.7555% | 3,676 |
| Pretax return on assets | 0.7592% | 4,423 |
| Return on Equity (ROE) | 8.3818% | 2,804 |
| Retained earnings to average equity (ytd only) | 5.9782% | 2,125 |
| Net charge-offs to loans | 0.0376% | 2,707 |
| Credit loss provision to net charge-offs | 236.3636% | 1,151 |
| Earnings coverage of net charge-offs (x) | 31.8182% | 1,352 |
| Efficiency ratio | 85.8394% | 898 |
| Assets per employee ($millions) | 2.8800% | 5,545 |
| Cash dividends to net income (ytd only)* | 28.6765% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8045% | 5,272 |
| Loan loss allowance to noncurrent loans | 16.7231% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 3.2160% | 369 |
| Noncurrent loans to loans | 4.8110% | 191 |
| Net loans and leases to total assets | 57.1575% | 4,202 |
| Net loans and leases to deposits | 66.2710% | 4,329 |
| Net loans and leases to core deposits | 66.2710% | 4,590 |
| Total domestic deposits to total assets | 86.2481% | 2,296 |
| Equity capital to assets | 9.4848% | 4,782 |
| Core capital (leverage) ratio | 8.9294% | 4,907 |
| Tier 1 risk-based capital ratio | 13.3332% | 3,997 |
| Total risk-based capital ratio | 13.7456% | 4,439 |
| Memoranda: | ||
| Average total assets | $108,007,330 | 4,266 |
| Average earning assets | $101,477,000 | 4,241 |
| Average equity | $9,735,330 | 4,699 |
| Average total loans | $58,494,330 | 4,395 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7088% | 4,290 |
| Cost of funding earning assets | 0.3133% | 4,025 |
| Net interest margin | 3.3955% | 3,884 |
| Noninterest income to average assets | 1.4678% | 522 |
| Noninterest expense to average assets | 4.0982% | 549 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5547% | 4,391 |
| Return on assets (ROA) | 0.8424% | 3,154 |
| Pretax return on assets | 0.8498% | 4,032 |
| Return on Equity (ROE) | 9.5921% | 2,160 |
| Retained earnings to average equity (ytd only) | 9.5921% | 955 |
| Net charge-offs to loans | -0.0631% | 5,444 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2828% | 868 |
| Assets per employee ($millions) | 2.8859% | 5,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6681% | 5,648 |
| Loan loss allowance to noncurrent loans | 11.9136% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 3.4978% | 320 |
| Noncurrent loans to loans | 5.6078% | 162 |
| Net loans and leases to total assets | 53.7470% | 4,473 |
| Net loans and leases to deposits | 62.0557% | 4,569 |
| Net loans and leases to core deposits | 62.0557% | 4,816 |
| Total domestic deposits to total assets | 86.6108% | 2,405 |
| Equity capital to assets | 9.0635% | 5,108 |
| Core capital (leverage) ratio | 8.7870% | 5,086 |
| Tier 1 risk-based capital ratio | 13.4636% | 3,997 |
| Total risk-based capital ratio | 13.9027% | 4,394 |
| Memoranda: | ||
| Average total assets | $108,731,000 | 4,287 |
| Average earning assets | $102,134,500 | 4,250 |
| Average equity | $9,549,500 | 4,750 |
| Average total loans | $57,041,000 | 4,471 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8347% | 3,935 |
| Cost of funding earning assets | 0.3309% | 3,899 |
| Net interest margin | 3.5038% | 3,503 |
| Noninterest income to average assets | 2.0357% | 351 |
| Noninterest expense to average assets | 4.7280% | 350 |
| Loan and lease loss provision to assets | -0.1114% | 5,868 |
| Net operating income to assets | 0.6724% | 3,940 |
| Return on assets (ROA) | 0.6984% | 3,926 |
| Pretax return on assets | 0.7002% | 4,531 |
| Return on Equity (ROE) | 7.6186% | 3,182 |
| Retained earnings to average equity (ytd only) | 6.0685% | 1,758 |
| Net charge-offs to loans | 0.0593% | 3,033 |
| Credit loss provision to net charge-offs | -363.6364% | 5,379 |
| Earnings coverage of net charge-offs (x) | 18.3636% | 2,017 |
| Efficiency ratio | 88.6080% | 790 |
| Assets per employee ($millions) | 2.9127% | 5,600 |
| Cash dividends to net income (ytd only)* | 20.3457% | 3,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6696% | 5,692 |
| Loan loss allowance to noncurrent loans | 14.8250% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 2.8424% | 483 |
| Noncurrent loans to loans | 4.5165% | 237 |
| Net loans and leases to total assets | 50.5303% | 4,823 |
| Net loans and leases to deposits | 57.8839% | 4,918 |
| Net loans and leases to core deposits | 57.8839% | 5,104 |
| Total domestic deposits to total assets | 87.2960% | 1,989 |
| Equity capital to assets | 8.5118% | 5,555 |
| Core capital (leverage) ratio | 8.6531% | 5,274 |
| Tier 1 risk-based capital ratio | 13.1579% | 4,200 |
| Total risk-based capital ratio | 13.5848% | 4,632 |
| Memoranda: | ||
| Average total assets | $107,678,800 | 4,303 |
| Average earning assets | $100,034,000 | 4,290 |
| Average equity | $9,870,600 | 4,674 |
| Average total loans | $55,648,800 | 4,512 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8884% | 3,776 |
| Cost of funding earning assets | 0.3351% | 3,919 |
| Net interest margin | 3.5532% | 3,328 |
| Noninterest income to average assets | 2.2419% | 306 |
| Noninterest expense to average assets | 4.9241% | 293 |
| Loan and lease loss provision to assets | -0.1509% | 6,061 |
| Net operating income to assets | 0.7581% | 3,645 |
| Return on assets (ROA) | 0.7930% | 3,551 |
| Pretax return on assets | 0.7955% | 4,353 |
| Return on Equity (ROE) | 8.4942% | 2,827 |
| Retained earnings to average equity (ytd only) | 7.0919% | 1,645 |
| Net charge-offs to loans | 0.1081% | 2,050 |
| Credit loss provision to net charge-offs | -268.8889% | 5,244 |
| Earnings coverage of net charge-offs (x) | 10.8663% | 2,556 |
| Efficiency ratio | 88.2154% | 824 |
| Assets per employee ($millions) | 2.2136% | 6,079 |
| Cash dividends to net income (ytd only)* | 16.5098% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6921% | 5,747 |
| Loan loss allowance to noncurrent loans | 15.3029% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 3.0632% | 484 |
| Noncurrent loans to loans | 4.5224% | 240 |
| Net loans and leases to total assets | 53.6524% | 4,597 |
| Net loans and leases to deposits | 61.6305% | 4,746 |
| Net loans and leases to core deposits | 61.6305% | 4,967 |
| Total domestic deposits to total assets | 87.0550% | 2,010 |
| Equity capital to assets | 9.8606% | 4,329 |
| Core capital (leverage) ratio | 8.8846% | 5,137 |
| Tier 1 risk-based capital ratio | 13.5671% | 4,104 |
| Total risk-based capital ratio | 13.9858% | 4,495 |
| Memoranda: | ||
| Average total assets | $106,928,000 | 4,368 |
| Average earning assets | $99,062,500 | 4,360 |
| Average equity | $9,983,000 | 4,726 |
| Average total loans | $55,484,750 | 4,557 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8367% | 3,934 |
| Cost of funding earning assets | 0.3401% | 3,921 |
| Net interest margin | 3.4967% | 3,516 |
| Noninterest income to average assets | 2.2764% | 309 |
| Noninterest expense to average assets | 4.8809% | 315 |
| Loan and lease loss provision to assets | -0.1353% | 6,116 |
| Net operating income to assets | 0.7674% | 3,548 |
| Return on assets (ROA) | 0.8175% | 3,401 |
| Pretax return on assets | 0.8212% | 4,245 |
| Return on Equity (ROE) | 8.9172% | 2,595 |
| Retained earnings to average equity (ytd only) | 7.5220% | 1,462 |
| Net charge-offs to loans | 0.0869% | 2,169 |
| Credit loss provision to net charge-offs | -304.1667% | 5,116 |
| Earnings coverage of net charge-offs (x) | 14.2917% | 2,070 |
| Efficiency ratio | 87.7016% | 927 |
| Assets per employee ($millions) | 2.3432% | 6,111 |
| Cash dividends to net income (ytd only)* | 15.6463% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 5,583 |
| Loan loss allowance to noncurrent loans | 22.2980% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 2.6422% | 689 |
| Noncurrent loans to loans | 3.6207% | 476 |
| Net loans and leases to total assets | 52.2053% | 4,736 |
| Net loans and leases to deposits | 60.7521% | 4,790 |
| Net loans and leases to core deposits | 60.7521% | 5,029 |
| Total domestic deposits to total assets | 85.9316% | 2,723 |
| Equity capital to assets | 9.1782% | 5,044 |
| Core capital (leverage) ratio | 8.6128% | 5,425 |
| Tier 1 risk-based capital ratio | 14.4778% | 3,655 |
| Total risk-based capital ratio | 15.0417% | 3,973 |
| Memoranda: | ||
| Average total assets | $107,890,670 | 4,385 |
| Average earning assets | $99,981,330 | 4,369 |
| Average equity | $9,891,000 | 4,770 |
| Average total loans | $55,243,330 | 4,607 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 4,146 |
| Cost of funding earning assets | 0.3442% | 3,937 |
| Net interest margin | 3.4218% | 3,750 |
| Noninterest income to average assets | 2.4124% | 286 |
| Noninterest expense to average assets | 4.8693% | 327 |
| Loan and lease loss provision to assets | -0.1445% | 6,233 |
| Net operating income to assets | 0.8493% | 3,014 |
| Return on assets (ROA) | 0.9153% | 2,798 |
| Pretax return on assets | 0.9227% | 3,805 |
| Return on Equity (ROE) | 9.9899% | 2,012 |
| Retained earnings to average equity (ytd only) | 9.9899% | 930 |
| Net charge-offs to loans | 0.0367% | 2,474 |
| Credit loss provision to net charge-offs | -780.0000% | 4,928 |
| Earnings coverage of net charge-offs (x) | 38.4000% | 1,000 |
| Efficiency ratio | 86.6534% | 1,120 |
| Assets per employee ($millions) | 2.2990% | 6,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 5,308 |
| Loan loss allowance to noncurrent loans | 22.0925% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 3.1188% | 586 |
| Noncurrent loans to loans | 4.2399% | 384 |
| Net loans and leases to total assets | 50.0143% | 4,849 |
| Net loans and leases to deposits | 57.6356% | 4,942 |
| Net loans and leases to core deposits | 57.6356% | 5,147 |
| Total domestic deposits to total assets | 86.7769% | 2,514 |
| Equity capital to assets | 9.3584% | 4,898 |
| Core capital (leverage) ratio | 8.4429% | 5,582 |
| Tier 1 risk-based capital ratio | 14.7838% | 3,552 |
| Total risk-based capital ratio | 15.4430% | 3,811 |
| Memoranda: | ||
| Average total assets | $107,942,000 | 4,415 |
| Average earning assets | $99,946,000 | 4,399 |
| Average equity | $9,890,000 | 4,807 |
| Average total loans | $54,500,500 | 4,651 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8147% | 4,444 |
| Cost of funding earning assets | 0.4003% | 3,687 |
| Net interest margin | 3.4144% | 4,138 |
| Noninterest income to average assets | 2.2790% | 270 |
| Noninterest expense to average assets | 4.7922% | 364 |
| Loan and lease loss provision to assets | -0.0233% | 5,946 |
| Net operating income to assets | 0.6595% | 4,091 |
| Return on assets (ROA) | 0.6782% | 4,112 |
| Pretax return on assets | 0.6801% | 4,692 |
| Return on Equity (ROE) | 7.8589% | 3,206 |
| Retained earnings to average equity (ytd only) | 4.9402% | 2,645 |
| Net charge-offs to loans | -0.2028% | 6,267 |
| Credit loss provision to net charge-offs | 23.3645% | 3,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5107% | 1,036 |
| Assets per employee ($millions) | 2.1566% | 6,329 |
| Cash dividends to net income (ytd only)* | 37.1389% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 4,950 |
| Loan loss allowance to noncurrent loans | 22.4152% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 3.2412% | 593 |
| Noncurrent loans to loans | 4.5475% | 362 |
| Net loans and leases to total assets | 49.9791% | 4,979 |
| Net loans and leases to deposits | 57.4050% | 5,100 |
| Net loans and leases to core deposits | 57.4050% | 5,286 |
| Total domestic deposits to total assets | 87.0640% | 2,244 |
| Equity capital to assets | 8.9659% | 5,329 |
| Core capital (leverage) ratio | 8.1210% | 5,913 |
| Tier 1 risk-based capital ratio | 14.1707% | 3,985 |
| Total risk-based capital ratio | 14.9356% | 4,241 |
| Memoranda: | ||
| Average total assets | $107,195,800 | 4,431 |
| Average earning assets | $98,933,600 | 4,424 |
| Average equity | $9,250,600 | 4,912 |
| Average total loans | $52,750,800 | 4,738 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8128% | 4,495 |
| Cost of funding earning assets | 0.4118% | 3,660 |
| Net interest margin | 3.4010% | 4,240 |
| Noninterest income to average assets | 2.2334% | 288 |
| Noninterest expense to average assets | 4.7683% | 368 |
| Loan and lease loss provision to assets | -0.0299% | 6,127 |
| Net operating income to assets | 0.6303% | 4,303 |
| Return on assets (ROA) | 0.6365% | 4,383 |
| Pretax return on assets | 0.6390% | 4,906 |
| Return on Equity (ROE) | 7.4492% | 3,470 |
| Retained earnings to average equity (ytd only) | 3.8777% | 3,890 |
| Net charge-offs to loans | -0.0612% | 5,985 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0102% | 1,000 |
| Assets per employee ($millions) | 2.0766% | 6,424 |
| Cash dividends to net income (ytd only)* | 47.9452% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 5,580 |
| Loan loss allowance to noncurrent loans | 18.5709% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 3.3209% | 659 |
| Noncurrent loans to loans | 4.8827% | 390 |
| Net loans and leases to total assets | 47.8696% | 5,216 |
| Net loans and leases to deposits | 54.8358% | 5,321 |
| Net loans and leases to core deposits | 54.8358% | 5,518 |
| Total domestic deposits to total assets | 87.2961% | 2,157 |
| Equity capital to assets | 8.7625% | 5,582 |
| Core capital (leverage) ratio | 8.0585% | 6,025 |
| Tier 1 risk-based capital ratio | 14.4046% | 3,941 |
| Total risk-based capital ratio | 15.1996% | 4,194 |
| Memoranda: | ||
| Average total assets | $107,037,000 | 4,479 |
| Average earning assets | $98,752,500 | 4,474 |
| Average equity | $9,146,250 | 4,973 |
| Average total loans | $52,326,500 | 4,784 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8055% | 4,505 |
| Cost of funding earning assets | 0.4194% | 3,666 |
| Net interest margin | 3.3861% | 4,234 |
| Noninterest income to average assets | 2.2938% | 281 |
| Noninterest expense to average assets | 4.7882% | 361 |
| Loan and lease loss provision to assets | -0.0469% | 6,293 |
| Net operating income to assets | 0.6654% | 4,018 |
| Return on assets (ROA) | 0.6747% | 4,066 |
| Pretax return on assets | 0.6784% | 4,713 |
| Return on Equity (ROE) | 7.9637% | 3,116 |
| Retained earnings to average equity (ytd only) | 2.5440% | 4,583 |
| Net charge-offs to loans | -0.0764% | 6,060 |
| Credit loss provision to net charge-offs | 125.0000% | 1,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7035% | 1,112 |
| Assets per employee ($millions) | 2.0637% | 6,490 |
| Cash dividends to net income (ytd only)* | 68.0556% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 5,785 |
| Loan loss allowance to noncurrent loans | 40.7666% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 2.0995% | 1,492 |
| Noncurrent loans to loans | 2.1540% | 1,537 |
| Net loans and leases to total assets | 49.2303% | 5,050 |
| Net loans and leases to deposits | 57.0551% | 5,115 |
| Net loans and leases to core deposits | 57.0551% | 5,340 |
| Total domestic deposits to total assets | 86.2855% | 2,889 |
| Equity capital to assets | 8.6469% | 5,668 |
| Core capital (leverage) ratio | 7.9657% | 6,121 |
| Tier 1 risk-based capital ratio | 13.7502% | 4,413 |
| Total risk-based capital ratio | 14.5163% | 4,678 |
| Memoranda: | ||
| Average total assets | $106,721,670 | 4,520 |
| Average earning assets | $98,226,000 | 4,521 |
| Average equity | $9,041,000 | 5,017 |
| Average total loans | $52,380,670 | 4,811 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7269% | 4,752 |
| Cost of funding earning assets | 0.4231% | 3,728 |
| Net interest margin | 3.3037% | 4,523 |
| Noninterest income to average assets | 2.1836% | 294 |
| Noninterest expense to average assets | 4.7206% | 378 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5074% | 4,655 |
| Return on assets (ROA) | 0.5074% | 4,736 |
| Pretax return on assets | 0.5149% | 5,121 |
| Return on Equity (ROE) | 6.0525% | 3,998 |
| Retained earnings to average equity (ytd only) | 6.0525% | 2,512 |
| Net charge-offs to loans | 0.2619% | 1,291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.0294% | 2,581 |
| Efficiency ratio | 89.5190% | 1,081 |
| Assets per employee ($millions) | 2.0550% | 6,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8574% | 5,984 |
| Loan loss allowance to noncurrent loans | 33.7692% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 2.2508% | 1,467 |
| Noncurrent loans to loans | 2.5391% | 1,359 |
| Net loans and leases to total assets | 48.4338% | 5,067 |
| Net loans and leases to deposits | 56.1155% | 5,108 |
| Net loans and leases to core deposits | 56.1155% | 5,346 |
| Total domestic deposits to total assets | 86.3108% | 3,204 |
| Equity capital to assets | 8.6160% | 5,533 |
| Core capital (leverage) ratio | 7.9953% | 6,123 |
| Tier 1 risk-based capital ratio | 14.2286% | 4,177 |
| Total risk-based capital ratio | 14.9690% | 4,481 |
| Memoranda: | ||
| Average total assets | $106,427,500 | 4,575 |
| Average earning assets | $98,313,000 | 4,556 |
| Average equity | $8,922,000 | 5,070 |
| Average total loans | $51,922,500 | 4,869 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9359% | 4,333 |
| Cost of funding earning assets | 0.4637% | 3,981 |
| Net interest margin | 3.4722% | 4,017 |
| Noninterest income to average assets | 2.3535% | 305 |
| Noninterest expense to average assets | 5.0633% | 336 |
| Loan and lease loss provision to assets | -0.0709% | 6,435 |
| Net operating income to assets | 0.5508% | 4,499 |
| Return on assets (ROA) | 0.5776% | 4,485 |
| Pretax return on assets | 0.5795% | 4,937 |
| Return on Equity (ROE) | 6.8310% | 3,656 |
| Retained earnings to average equity (ytd only) | 5.2450% | 2,451 |
| Net charge-offs to loans | 0.3182% | 2,095 |
| Credit loss provision to net charge-offs | -45.1220% | 5,783 |
| Earnings coverage of net charge-offs (x) | 3.0671% | 3,965 |
| Efficiency ratio | 90.3956% | 991 |
| Assets per employee ($millions) | 2.1610% | 6,585 |
| Cash dividends to net income (ytd only)* | 23.2172% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8985% | 5,938 |
| Loan loss allowance to noncurrent loans | 36.1069% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 2.2249% | 1,600 |
| Noncurrent loans to loans | 2.4884% | 1,523 |
| Net loans and leases to total assets | 48.2851% | 5,266 |
| Net loans and leases to deposits | 55.5612% | 5,344 |
| Net loans and leases to core deposits | 55.5612% | 5,571 |
| Total domestic deposits to total assets | 86.9042% | 2,777 |
| Equity capital to assets | 8.1573% | 5,898 |
| Core capital (leverage) ratio | 7.9348% | 6,179 |
| Tier 1 risk-based capital ratio | 14.0293% | 4,277 |
| Total risk-based capital ratio | 14.8295% | 4,541 |
| Memoranda: | ||
| Average total assets | $104,397,800 | 4,629 |
| Average earning assets | $95,961,800 | 4,619 |
| Average equity | $8,827,400 | 5,131 |
| Average total loans | $51,537,600 | 4,914 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9738% | 4,229 |
| Cost of funding earning assets | 0.4744% | 4,024 |
| Net interest margin | 3.4993% | 3,888 |
| Noninterest income to average assets | 2.3668% | 322 |
| Noninterest expense to average assets | 5.0544% | 323 |
| Loan and lease loss provision to assets | -0.0953% | 6,625 |
| Net operating income to assets | 0.6171% | 4,271 |
| Return on assets (ROA) | 0.6468% | 4,260 |
| Pretax return on assets | 0.6494% | 4,855 |
| Return on Equity (ROE) | 7.5794% | 3,328 |
| Retained earnings to average equity (ytd only) | 5.4656% | 2,741 |
| Net charge-offs to loans | 0.2939% | 2,068 |
| Credit loss provision to net charge-offs | -65.4867% | 5,734 |
| Earnings coverage of net charge-offs (x) | 3.6018% | 3,658 |
| Efficiency ratio | 89.6305% | 1,029 |
| Assets per employee ($millions) | 2.2339% | 6,627 |
| Cash dividends to net income (ytd only)* | 27.8880% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 5,759 |
| Loan loss allowance to noncurrent loans | 47.7666% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 2.3180% | 1,703 |
| Noncurrent loans to loans | 2.0781% | 2,157 |
| Net loans and leases to total assets | 50.8617% | 5,023 |
| Net loans and leases to deposits | 58.9938% | 5,093 |
| Net loans and leases to core deposits | 58.9938% | 5,368 |
| Total domestic deposits to total assets | 86.2153% | 3,127 |
| Equity capital to assets | 8.5394% | 5,686 |
| Core capital (leverage) ratio | 7.9879% | 6,230 |
| Tier 1 risk-based capital ratio | 13.7002% | 4,628 |
| Total risk-based capital ratio | 14.5768% | 4,826 |
| Memoranda: | ||
| Average total assets | $103,484,750 | 4,706 |
| Average earning assets | $94,987,500 | 4,690 |
| Average equity | $8,830,750 | 5,185 |
| Average total loans | $51,260,750 | 4,961 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9430% | 4,312 |
| Cost of funding earning assets | 0.4871% | 4,018 |
| Net interest margin | 3.4559% | 3,978 |
| Noninterest income to average assets | 2.3697% | 350 |
| Noninterest expense to average assets | 4.9978% | 355 |
| Loan and lease loss provision to assets | -0.0540% | 6,652 |
| Net operating income to assets | 0.5962% | 4,303 |
| Return on assets (ROA) | 0.6401% | 4,251 |
| Pretax return on assets | 0.6440% | 4,864 |
| Return on Equity (ROE) | 7.5034% | 3,347 |
| Retained earnings to average equity (ytd only) | 7.5034% | 1,669 |
| Net charge-offs to loans | 0.4059% | 1,592 |
| Credit loss provision to net charge-offs | -27.1845% | 5,492 |
| Earnings coverage of net charge-offs (x) | 2.7476% | 3,599 |
| Efficiency ratio | 89.0783% | 1,122 |
| Assets per employee ($millions) | 2.0639% | 6,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 5,339 |
| Loan loss allowance to noncurrent loans | 50.1296% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 2.4928% | 1,699 |
| Noncurrent loans to loans | 2.2479% | 2,121 |
| Net loans and leases to total assets | 50.3224% | 5,072 |
| Net loans and leases to deposits | 60.1349% | 4,967 |
| Net loans and leases to core deposits | 60.1349% | 5,253 |
| Total domestic deposits to total assets | 83.6824% | 4,463 |
| Equity capital to assets | 8.4317% | 5,836 |
| Core capital (leverage) ratio | 7.9994% | 6,188 |
| Tier 1 risk-based capital ratio | 13.6176% | 4,699 |
| Total risk-based capital ratio | 14.5857% | 4,837 |
| Memoranda: | ||
| Average total assets | $103,726,670 | 4,730 |
| Average earning assets | $95,257,670 | 4,715 |
| Average equity | $8,849,330 | 5,216 |
| Average total loans | $50,751,330 | 4,993 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8190% | 4,761 |
| Cost of funding earning assets | 0.4815% | 4,269 |
| Net interest margin | 3.3374% | 4,367 |
| Noninterest income to average assets | 2.2433% | 368 |
| Noninterest expense to average assets | 4.9436% | 386 |
| Loan and lease loss provision to assets | 0.0305% | 4,074 |
| Net operating income to assets | 0.3237% | 5,472 |
| Return on assets (ROA) | 0.3237% | 5,604 |
| Pretax return on assets | 0.3313% | 5,771 |
| Return on Equity (ROE) | 3.7734% | 5,209 |
| Retained earnings to average equity (ytd only) | 3.7734% | 3,975 |
| Net charge-offs to loans | 0.8097% | 750 |
| Credit loss provision to net charge-offs | 7.8431% | 3,170 |
| Earnings coverage of net charge-offs (x) | 0.9314% | 3,524 |
| Efficiency ratio | 92.0316% | 977 |
| Assets per employee ($millions) | 2.0821% | 6,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 4,991 |
| Loan loss allowance to noncurrent loans | 48.0156% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 2.6070% | 1,752 |
| Noncurrent loans to loans | 2.5860% | 1,998 |
| Net loans and leases to total assets | 47.1384% | 5,318 |
| Net loans and leases to deposits | 54.9899% | 5,348 |
| Net loans and leases to core deposits | 54.9899% | 5,604 |
| Total domestic deposits to total assets | 85.7220% | 3,671 |
| Equity capital to assets | 8.6529% | 5,857 |
| Core capital (leverage) ratio | 7.6962% | 6,356 |
| Tier 1 risk-based capital ratio | 13.6913% | 4,726 |
| Total risk-based capital ratio | 14.7614% | 4,825 |
| Memoranda: | ||
| Average total assets | $105,025,000 | 4,743 |
| Average earning assets | $96,361,500 | 4,728 |
| Average equity | $9,010,500 | 5,218 |
| Average total loans | $50,391,500 | 5,043 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3810% | 3,893 |
| Cost of funding earning assets | 0.6016% | 4,341 |
| Net interest margin | 3.7794% | 3,320 |
| Noninterest income to average assets | 2.2691% | 364 |
| Noninterest expense to average assets | 4.7188% | 469 |
| Loan and lease loss provision to assets | 0.0789% | 4,720 |
| Net operating income to assets | 0.9155% | 2,740 |
| Return on assets (ROA) | 1.1247% | 2,022 |
| Pretax return on assets | 1.1267% | 3,060 |
| Return on Equity (ROE) | 13.1594% | 1,188 |
| Retained earnings to average equity (ytd only) | 11.9127% | 333 |
| Net charge-offs to loans | 0.1396% | 4,296 |
| Credit loss provision to net charge-offs | 106.6667% | 2,784 |
| Earnings coverage of net charge-offs (x) | 13.4667% | 1,823 |
| Efficiency ratio | 81.4949% | 1,947 |
| Assets per employee ($millions) | 2.3032% | 6,773 |
| Cash dividends to net income (ytd only)* | 9.4737% | 4,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 4,209 |
| Loan loss allowance to noncurrent loans | 41.3372% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 2.8231% | 1,697 |
| Noncurrent loans to loans | 3.3664% | 1,504 |
| Net loans and leases to total assets | 47.5544% | 5,457 |
| Net loans and leases to deposits | 55.3484% | 5,507 |
| Net loans and leases to core deposits | 55.3484% | 5,764 |
| Total domestic deposits to total assets | 85.9183% | 3,392 |
| Equity capital to assets | 8.5072% | 6,047 |
| Core capital (leverage) ratio | 7.8288% | 6,327 |
| Tier 1 risk-based capital ratio | 13.5138% | 4,741 |
| Total risk-based capital ratio | 14.7439% | 4,709 |
| Memoranda: | ||
| Average total assets | $101,360,400 | 4,797 |
| Average earning assets | $92,422,600 | 4,800 |
| Average equity | $8,663,000 | 5,314 |
| Average total loans | $53,721,400 | 4,953 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5028% | 3,630 |
| Cost of funding earning assets | 0.6324% | 4,342 |
| Net interest margin | 3.8704% | 3,026 |
| Noninterest income to average assets | 2.1833% | 376 |
| Noninterest expense to average assets | 4.7497% | 442 |
| Loan and lease loss provision to assets | 0.0160% | 5,610 |
| Net operating income to assets | 0.9406% | 2,794 |
| Return on assets (ROA) | 0.9912% | 2,782 |
| Pretax return on assets | 0.9939% | 3,739 |
| Return on Equity (ROE) | 11.5831% | 1,765 |
| Retained earnings to average equity (ytd only) | 11.5831% | 594 |
| Net charge-offs to loans | 0.1226% | 4,151 |
| Credit loss provision to net charge-offs | 24.0000% | 4,895 |
| Earnings coverage of net charge-offs (x) | 14.4189% | 1,836 |
| Efficiency ratio | 82.1254% | 1,795 |
| Assets per employee ($millions) | 2.1854% | 6,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 5,020 |
| Loan loss allowance to noncurrent loans | 52.7230% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 2.9793% | 1,755 |
| Noncurrent loans to loans | 2.3820% | 2,422 |
| Net loans and leases to total assets | 53.4069% | 4,838 |
| Net loans and leases to deposits | 62.8988% | 4,859 |
| Net loans and leases to core deposits | 62.8988% | 5,273 |
| Total domestic deposits to total assets | 84.9092% | 3,782 |
| Equity capital to assets | 9.1952% | 5,600 |
| Core capital (leverage) ratio | 7.9366% | 6,378 |
| Tier 1 risk-based capital ratio | 12.9473% | 5,294 |
| Total risk-based capital ratio | 14.0560% | 5,367 |
| Memoranda: | ||
| Average total assets | $100,214,000 | 4,869 |
| Average earning assets | $91,289,250 | 4,876 |
| Average equity | $8,575,500 | 5,390 |
| Average total loans | $54,378,500 | 4,981 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 3,527 |
| Cost of funding earning assets | 0.6642% | 4,330 |
| Net interest margin | 3.8959% | 2,921 |
| Noninterest income to average assets | 2.1619% | 359 |
| Noninterest expense to average assets | 4.7264% | 451 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9798% | 2,546 |
| Return on assets (ROA) | 1.0552% | 2,452 |
| Pretax return on assets | 1.0591% | 3,466 |
| Return on Equity (ROE) | 12.6371% | 1,464 |
| Retained earnings to average equity (ytd only) | 12.6371% | 486 |
| Net charge-offs to loans | 0.1643% | 3,623 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 11.0222% | 2,000 |
| Efficiency ratio | 81.8687% | 1,897 |
| Assets per employee ($millions) | 2.3302% | 6,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 5,247 |
| Loan loss allowance to noncurrent loans | 71.5368% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 2.5888% | 2,142 |
| Noncurrent loans to loans | 1.7105% | 3,327 |
| Net loans and leases to total assets | 53.2525% | 4,926 |
| Net loans and leases to deposits | 63.3454% | 4,845 |
| Net loans and leases to core deposits | 63.5514% | 5,251 |
| Total domestic deposits to total assets | 84.0669% | 4,292 |
| Equity capital to assets | 8.7305% | 5,991 |
| Core capital (leverage) ratio | 7.6743% | 6,530 |
| Tier 1 risk-based capital ratio | 12.3418% | 5,689 |
| Total risk-based capital ratio | 13.4169% | 5,796 |
| Memoranda: | ||
| Average total assets | $100,837,000 | 4,883 |
| Average earning assets | $91,840,330 | 4,878 |
| Average equity | $8,419,670 | 5,441 |
| Average total loans | $54,774,330 | 4,998 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6284% | 3,364 |
| Cost of funding earning assets | 0.6754% | 4,505 |
| Net interest margin | 3.9530% | 2,702 |
| Noninterest income to average assets | 1.9890% | 415 |
| Noninterest expense to average assets | 4.5830% | 512 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0163% | 2,415 |
| Return on assets (ROA) | 1.1467% | 2,073 |
| Pretax return on assets | 1.1467% | 3,129 |
| Return on Equity (ROE) | 14.0512% | 1,173 |
| Retained earnings to average equity (ytd only) | 14.0512% | 558 |
| Net charge-offs to loans | 0.2393% | 2,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 7.7879% | 2,041 |
| Efficiency ratio | 81.0734% | 2,067 |
| Assets per employee ($millions) | 2.2515% | 7,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 5,238 |
| Loan loss allowance to noncurrent loans | 54.2305% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 2.7803% | 2,107 |
| Noncurrent loans to loans | 2.3063% | 2,801 |
| Net loans and leases to total assets | 52.4452% | 4,954 |
| Net loans and leases to deposits | 61.9515% | 4,924 |
| Net loans and leases to core deposits | 62.1493% | 5,306 |
| Total domestic deposits to total assets | 84.6554% | 4,183 |
| Equity capital to assets | 8.2117% | 6,350 |
| Core capital (leverage) ratio | 7.4016% | 6,687 |
| Tier 1 risk-based capital ratio | 12.0078% | 5,957 |
| Total risk-based capital ratio | 13.1060% | 6,033 |
| Memoranda: | ||
| Average total assets | $101,155,500 | 4,912 |
| Average earning assets | $92,386,000 | 4,895 |
| Average equity | $8,255,500 | 5,514 |
| Average total loans | $55,151,500 | 5,015 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8766% | 3,469 |
| Cost of funding earning assets | 0.8529% | 4,450 |
| Net interest margin | 4.0236% | 2,770 |
| Noninterest income to average assets | 1.8561% | 424 |
| Noninterest expense to average assets | 4.9642% | 389 |
| Loan and lease loss provision to assets | 0.1410% | 4,852 |
| Net operating income to assets | 0.3843% | 4,930 |
| Return on assets (ROA) | 0.8136% | 3,152 |
| Pretax return on assets | 0.8156% | 3,926 |
| Return on Equity (ROE) | 10.3358% | 1,942 |
| Retained earnings to average equity (ytd only) | 10.3358% | 503 |
| Net charge-offs to loans | 0.1431% | 5,003 |
| Credit loss provision to net charge-offs | 176.9231% | 1,483 |
| Earnings coverage of net charge-offs (x) | 6.6154% | 2,480 |
| Efficiency ratio | 89.5031% | 1,227 |
| Assets per employee ($millions) | 2.3487% | 6,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 5,171 |
| Loan loss allowance to noncurrent loans | 34.9851% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 3.2508% | 1,834 |
| Noncurrent loans to loans | 3.5721% | 1,792 |
| Net loans and leases to total assets | 55.2390% | 4,849 |
| Net loans and leases to deposits | 65.1816% | 4,855 |
| Net loans and leases to core deposits | 65.3902% | 5,336 |
| Total domestic deposits to total assets | 84.7463% | 3,982 |
| Equity capital to assets | 8.1105% | 6,505 |
| Core capital (leverage) ratio | 7.1753% | 6,800 |
| Tier 1 risk-based capital ratio | 11.3560% | 6,252 |
| Total risk-based capital ratio | 12.4902% | 6,299 |
| Memoranda: | ||
| Average total assets | $97,841,400 | 4,953 |
| Average earning assets | $88,402,400 | 4,983 |
| Average equity | $7,701,400 | 5,663 |
| Average total loans | $54,519,800 | 5,091 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9506% | 3,324 |
| Cost of funding earning assets | 0.8930% | 4,446 |
| Net interest margin | 4.0575% | 2,662 |
| Noninterest income to average assets | 1.9851% | 383 |
| Noninterest expense to average assets | 5.0445% | 359 |
| Loan and lease loss provision to assets | 0.1855% | 4,176 |
| Net operating income to assets | 0.4039% | 4,980 |
| Return on assets (ROA) | 0.9520% | 2,690 |
| Pretax return on assets | 0.9548% | 3,570 |
| Return on Equity (ROE) | 12.1913% | 1,492 |
| Retained earnings to average equity (ytd only) | 12.1913% | 480 |
| Net charge-offs to loans | 0.1727% | 4,421 |
| Credit loss provision to net charge-offs | 192.8571% | 1,512 |
| Earnings coverage of net charge-offs (x) | 6.1572% | 2,608 |
| Efficiency ratio | 88.6912% | 1,273 |
| Assets per employee ($millions) | 2.1251% | 7,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3196% | 4,922 |
| Loan loss allowance to noncurrent loans | 33.5061% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 3.5784% | 1,751 |
| Noncurrent loans to loans | 3.9383% | 1,679 |
| Net loans and leases to total assets | 54.3916% | 5,113 |
| Net loans and leases to deposits | 64.4571% | 5,111 |
| Net loans and leases to core deposits | 64.6711% | 5,550 |
| Total domestic deposits to total assets | 84.3843% | 4,062 |
| Equity capital to assets | 8.2339% | 6,540 |
| Core capital (leverage) ratio | 7.2473% | 6,883 |
| Tier 1 risk-based capital ratio | 11.6154% | 6,163 |
| Total risk-based capital ratio | 12.8010% | 6,202 |
| Memoranda: | ||
| Average total assets | $97,053,750 | 5,009 |
| Average earning assets | $87,341,250 | 5,053 |
| Average equity | $7,579,000 | 5,729 |
| Average total loans | $54,026,500 | 5,158 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0462% | 2,946 |
| Cost of funding earning assets | 0.9364% | 4,417 |
| Net interest margin | 4.1098% | 2,372 |
| Noninterest income to average assets | 1.9541% | 373 |
| Noninterest expense to average assets | 5.0836% | 347 |
| Loan and lease loss provision to assets | 0.2190% | 3,728 |
| Net operating income to assets | 0.3333% | 5,233 |
| Return on assets (ROA) | 0.8180% | 3,112 |
| Pretax return on assets | 0.8221% | 3,937 |
| Return on Equity (ROE) | 10.6705% | 1,907 |
| Retained earnings to average equity (ytd only) | 10.6705% | 727 |
| Net charge-offs to loans | 0.1849% | 4,052 |
| Credit loss provision to net charge-offs | 212.0000% | 1,421 |
| Earnings coverage of net charge-offs (x) | 5.3400% | 2,636 |
| Efficiency ratio | 89.3695% | 1,290 |
| Assets per employee ($millions) | 2.1780% | 7,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 5,130 |
| Loan loss allowance to noncurrent loans | 42.3402% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 3.1610% | 2,124 |
| Noncurrent loans to loans | 3.0344% | 2,388 |
| Net loans and leases to total assets | 55.0343% | 5,142 |
| Net loans and leases to deposits | 66.4155% | 4,936 |
| Net loans and leases to core deposits | 66.6395% | 5,428 |
| Total domestic deposits to total assets | 82.8636% | 4,819 |
| Equity capital to assets | 7.9198% | 6,736 |
| Core capital (leverage) ratio | 6.9322% | 7,023 |
| Tier 1 risk-based capital ratio | 10.8230% | 6,639 |
| Total risk-based capital ratio | 11.9621% | 6,690 |
| Memoranda: | ||
| Average total assets | $96,820,330 | 5,054 |
| Average earning assets | $86,719,000 | 5,109 |
| Average equity | $7,422,330 | 5,795 |
| Average total loans | $54,075,000 | 5,206 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0731% | 2,761 |
| Cost of funding earning assets | 0.9477% | 4,584 |
| Net interest margin | 4.1254% | 2,170 |
| Noninterest income to average assets | 1.8872% | 395 |
| Noninterest expense to average assets | 5.2210% | 303 |
| Loan and lease loss provision to assets | 0.4406% | 2,002 |
| Net operating income to assets | -0.0792% | 6,439 |
| Return on assets (ROA) | 0.5196% | 4,491 |
| Pretax return on assets | 0.5279% | 4,933 |
| Return on Equity (ROE) | 6.8942% | 3,437 |
| Retained earnings to average equity (ytd only) | 6.8942% | 2,192 |
| Net charge-offs to loans | 0.4387% | 2,383 |
| Credit loss provision to net charge-offs | 179.6610% | 1,629 |
| Earnings coverage of net charge-offs (x) | 1.4576% | 3,612 |
| Efficiency ratio | 92.7720% | 1,112 |
| Assets per employee ($millions) | 2.0829% | 7,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 5,064 |
| Loan loss allowance to noncurrent loans | 47.2393% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 3.0100% | 2,295 |
| Noncurrent loans to loans | 2.7810% | 2,721 |
| Net loans and leases to total assets | 54.3307% | 5,259 |
| Net loans and leases to deposits | 64.4278% | 5,198 |
| Net loans and leases to core deposits | 64.6462% | 5,665 |
| Total domestic deposits to total assets | 84.3281% | 4,355 |
| Equity capital to assets | 7.6115% | 6,808 |
| Core capital (leverage) ratio | 6.6785% | 7,124 |
| Tier 1 risk-based capital ratio | 10.8298% | 6,624 |
| Total risk-based capital ratio | 12.0028% | 6,646 |
| Memoranda: | ||
| Average total assets | $96,226,500 | 5,102 |
| Average earning assets | $86,100,500 | 5,158 |
| Average equity | $7,252,500 | 5,856 |
| Average total loans | $53,792,500 | 5,265 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5309% | 2,157 |
| Cost of funding earning assets | 1.1703% | 4,726 |
| Net interest margin | 4.3607% | 1,616 |
| Noninterest income to average assets | 1.3656% | 785 |
| Noninterest expense to average assets | 4.9523% | 431 |
| Loan and lease loss provision to assets | 1.5802% | 916 |
| Net operating income to assets | -1.3308% | 6,844 |
| Return on assets (ROA) | -1.3227% | 6,864 |
| Pretax return on assets | -1.3196% | 6,785 |
| Return on Equity (ROE) | -16.6817% | 6,969 |
| Retained earnings to average equity (ytd only) | -16.6817% | 6,937 |
| Net charge-offs to loans | 3.1792% | 501 |
| Credit loss provision to net charge-offs | 80.9848% | 5,529 |
| Earnings coverage of net charge-offs (x) | 0.1294% | 5,994 |
| Efficiency ratio | 95.0903% | 1,005 |
| Assets per employee ($millions) | 2.1008% | 7,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 5,613 |
| Loan loss allowance to noncurrent loans | 32.5113% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 3.7511% | 1,830 |
| Noncurrent loans to loans | 3.6236% | 2,064 |
| Net loans and leases to total assets | 56.0742% | 5,337 |
| Net loans and leases to deposits | 66.3114% | 5,361 |
| Net loans and leases to core deposits | 66.5337% | 5,826 |
| Total domestic deposits to total assets | 84.5620% | 4,074 |
| Equity capital to assets | 7.4629% | 6,900 |
| Core capital (leverage) ratio | 6.4793% | 7,194 |
| Tier 1 risk-based capital ratio | 10.3628% | 6,787 |
| Total risk-based capital ratio | 11.4299% | 6,863 |
| Memoranda: | ||
| Average total assets | $97,833,000 | 5,051 |
| Average earning assets | $86,133,600 | 5,142 |
| Average equity | $7,757,000 | 5,789 |
| Average total loans | $60,047,200 | 5,067 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5193% | 2,359 |
| Cost of funding earning assets | 1.2053% | 4,845 |
| Net interest margin | 4.3140% | 1,799 |
| Noninterest income to average assets | 2.0163% | 370 |
| Noninterest expense to average assets | 5.4130% | 285 |
| Loan and lease loss provision to assets | 2.1005% | 551 |
| Net operating income to assets | -1.6984% | 7,160 |
| Return on assets (ROA) | -1.6875% | 7,167 |
| Pretax return on assets | -1.6834% | 7,098 |
| Return on Equity (ROE) | -20.9794% | 7,245 |
| Retained earnings to average equity (ytd only) | -20.9794% | 7,231 |
| Net charge-offs to loans | 3.7511% | 344 |
| Credit loss provision to net charge-offs | 89.5713% | 4,784 |
| Earnings coverage of net charge-offs (x) | 0.1732% | 5,845 |
| Efficiency ratio | 93.0189% | 1,057 |
| Assets per employee ($millions) | 2.0778% | 7,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 4,365 |
| Loan loss allowance to noncurrent loans | 29.9602% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 4.6432% | 1,439 |
| Noncurrent loans to loans | 4.7282% | 1,500 |
| Net loans and leases to total assets | 60.3599% | 4,839 |
| Net loans and leases to deposits | 71.7776% | 4,869 |
| Net loans and leases to core deposits | 72.0223% | 5,509 |
| Total domestic deposits to total assets | 84.0929% | 4,069 |
| Equity capital to assets | 7.7757% | 6,949 |
| Core capital (leverage) ratio | 6.3741% | 7,366 |
| Tier 1 risk-based capital ratio | 9.7306% | 7,173 |
| Total risk-based capital ratio | 10.9956% | 7,163 |
| Memoranda: | ||
| Average total assets | $98,131,750 | 5,105 |
| Average earning assets | $86,506,000 | 5,189 |
| Average equity | $7,893,250 | 5,824 |
| Average total loans | $61,350,250 | 5,083 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2833% | 3,545 |
| Cost of funding earning assets | 1.2457% | 4,862 |
| Net interest margin | 4.0376% | 2,845 |
| Noninterest income to average assets | 2.0408% | 346 |
| Noninterest expense to average assets | 4.9019% | 408 |
| Loan and lease loss provision to assets | 2.2044% | 542 |
| Net operating income to assets | -1.4892% | 7,146 |
| Return on assets (ROA) | -1.4750% | 7,152 |
| Pretax return on assets | -1.4689% | 7,069 |
| Return on Equity (ROE) | -18.1434% | 7,231 |
| Retained earnings to average equity (ytd only) | -18.1434% | 7,202 |
| Net charge-offs to loans | 2.6263% | 634 |
| Credit loss provision to net charge-offs | 133.3741% | 3,011 |
| Earnings coverage of net charge-offs (x) | 0.4364% | 5,285 |
| Efficiency ratio | 87.1721% | 1,588 |
| Assets per employee ($millions) | 2.2631% | 7,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1241% | 1,913 |
| Loan loss allowance to noncurrent loans | 47.0114% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 5.1784% | 1,222 |
| Noncurrent loans to loans | 4.5183% | 1,608 |
| Net loans and leases to total assets | 62.1500% | 4,655 |
| Net loans and leases to deposits | 74.3197% | 4,630 |
| Net loans and leases to core deposits | 74.8110% | 5,347 |
| Total domestic deposits to total assets | 83.6253% | 4,279 |
| Equity capital to assets | 8.1379% | 6,613 |
| Core capital (leverage) ratio | 6.8157% | 7,275 |
| Tier 1 risk-based capital ratio | 9.7296% | 7,171 |
| Total risk-based capital ratio | 10.9879% | 7,157 |
| Memoranda: | ||
| Average total assets | $98,982,330 | 5,113 |
| Average earning assets | $87,824,670 | 5,184 |
| Average equity | $8,047,000 | 5,784 |
| Average total loans | $62,293,330 | 5,089 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2056% | 3,986 |
| Cost of funding earning assets | 1.2728% | 4,980 |
| Net interest margin | 3.9328% | 3,185 |
| Noninterest income to average assets | 1.9020% | 363 |
| Noninterest expense to average assets | 4.8024% | 432 |
| Loan and lease loss provision to assets | 2.1199% | 518 |
| Net operating income to assets | -1.4938% | 7,329 |
| Return on assets (ROA) | -1.4938% | 7,339 |
| Pretax return on assets | -1.4819% | 7,254 |
| Return on Equity (ROE) | -18.3835% | 7,402 |
| Retained earnings to average equity (ytd only) | -18.3835% | 7,322 |
| Net charge-offs to loans | 4.8433% | 253 |
| Credit loss provision to net charge-offs | 69.8433% | 4,103 |
| Earnings coverage of net charge-offs (x) | 0.2102% | 4,854 |
| Efficiency ratio | 88.2739% | 1,562 |
| Assets per employee ($millions) | 2.3494% | 7,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 5,029 |
| Loan loss allowance to noncurrent loans | 22.5311% | 6,879 |
| Noncurrent assets plus other real estate owned to assets | 5.9858% | 1,006 |
| Noncurrent loans to loans | 5.6971% | 1,195 |
| Net loans and leases to total assets | 59.2261% | 5,254 |
| Net loans and leases to deposits | 71.1092% | 5,181 |
| Net loans and leases to core deposits | 71.3398% | 5,792 |
| Total domestic deposits to total assets | 83.2890% | 4,480 |
| Equity capital to assets | 7.9388% | 6,722 |
| Core capital (leverage) ratio | 7.0000% | 7,250 |
| Tier 1 risk-based capital ratio | 9.7758% | 7,163 |
| Total risk-based capital ratio | 10.8641% | 7,236 |
| Memoranda: | ||
| Average total assets | $100,949,000 | 5,119 |
| Average earning assets | $90,826,000 | 5,138 |
| Average equity | $8,203,000 | 5,768 |
| Average total loans | $63,262,500 | 5,125 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6958% | 3,120 |
| Cost of funding earning assets | 1.5435% | 5,319 |
| Net interest margin | 4.1523% | 2,241 |
| Noninterest income to average assets | 2.2189% | 324 |
| Noninterest expense to average assets | 4.6724% | 670 |
| Loan and lease loss provision to assets | 1.6149% | 1,414 |
| Net operating income to assets | -0.2515% | 5,897 |
| Return on assets (ROA) | -0.2515% | 5,899 |
| Pretax return on assets | -0.2515% | 5,768 |
| Return on Equity (ROE) | -3.0034% | 5,986 |
| Retained earnings to average equity (ytd only) | -5.6638% | 6,105 |
| Net charge-offs to loans | 2.3211% | 1,001 |
| Credit loss provision to net charge-offs | 99.3301% | 5,609 |
| Earnings coverage of net charge-offs (x) | 0.8386% | 5,267 |
| Efficiency ratio | 77.4114% | 3,286 |
| Assets per employee ($millions) | 2.2417% | 7,534 |
| Cash dividends to net income (ytd only)* | -88.5827% | 7,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 3,567 |
| Loan loss allowance to noncurrent loans | 20.3345% | 7,044 |
| Noncurrent assets plus other real estate owned to assets | 6.4020% | 863 |
| Noncurrent loans to loans | 7.5279% | 699 |
| Net loans and leases to total assets | 64.3430% | 4,528 |
| Net loans and leases to deposits | 77.5775% | 4,457 |
| Net loans and leases to core deposits | 82.8284% | 5,837 |
| Total domestic deposits to total assets | 82.9403% | 4,546 |
| Equity capital to assets | 8.3133% | 6,180 |
| Core capital (leverage) ratio | 7.2417% | 7,035 |
| Tier 1 risk-based capital ratio | 9.6698% | 7,119 |
| Total risk-based capital ratio | 10.9210% | 7,090 |
| Memoranda: | ||
| Average total assets | $100,997,400 | 5,066 |
| Average earning assets | $92,841,000 | 5,035 |
| Average equity | $8,457,200 | 5,779 |
| Average total loans | $70,743,400 | 4,845 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8045% | 2,874 |
| Cost of funding earning assets | 1.5983% | 5,408 |
| Net interest margin | 4.2062% | 2,037 |
| Noninterest income to average assets | 2.2145% | 318 |
| Noninterest expense to average assets | 4.5821% | 670 |
| Loan and lease loss provision to assets | 1.4253% | 1,345 |
| Net operating income to assets | 0.0726% | 5,551 |
| Return on assets (ROA) | 0.0726% | 5,592 |
| Pretax return on assets | 0.0726% | 5,579 |
| Return on Equity (ROE) | 0.8653% | 5,541 |
| Retained earnings to average equity (ytd only) | -2.6745% | 5,864 |
| Net charge-offs to loans | 2.0384% | 960 |
| Credit loss provision to net charge-offs | 98.1818% | 5,209 |
| Earnings coverage of net charge-offs (x) | 1.0318% | 5,022 |
| Efficiency ratio | 75.3636% | 3,623 |
| Assets per employee ($millions) | 2.2313% | 7,581 |
| Cash dividends to net income (ytd only)* | 409.0959% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 3,877 |
| Loan loss allowance to noncurrent loans | 21.5424% | 7,006 |
| Noncurrent assets plus other real estate owned to assets | 4.8880% | 1,203 |
| Noncurrent loans to loans | 6.5563% | 873 |
| Net loans and leases to total assets | 69.5170% | 3,613 |
| Net loans and leases to deposits | 85.4694% | 3,421 |
| Net loans and leases to core deposits | 91.5256% | 5,278 |
| Total domestic deposits to total assets | 81.3355% | 4,945 |
| Equity capital to assets | 8.8258% | 5,745 |
| Core capital (leverage) ratio | 7.5927% | 6,871 |
| Tier 1 risk-based capital ratio | 9.8256% | 7,110 |
| Total risk-based capital ratio | 11.0765% | 7,081 |
| Memoranda: | ||
| Average total assets | $101,028,000 | 5,100 |
| Average earning assets | $92,845,750 | 5,077 |
| Average equity | $8,475,000 | 5,829 |
| Average total loans | $71,950,500 | 4,846 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8977% | 2,589 |
| Cost of funding earning assets | 1.6699% | 5,424 |
| Net interest margin | 4.2278% | 1,885 |
| Noninterest income to average assets | 2.2463% | 312 |
| Noninterest expense to average assets | 4.5973% | 699 |
| Loan and lease loss provision to assets | 1.0570% | 1,614 |
| Net operating income to assets | 0.4485% | 4,296 |
| Return on assets (ROA) | 0.4485% | 4,401 |
| Pretax return on assets | 0.4485% | 4,793 |
| Return on Equity (ROE) | 5.4397% | 3,888 |
| Retained earnings to average equity (ytd only) | 0.0479% | 5,185 |
| Net charge-offs to loans | 0.4507% | 3,018 |
| Credit loss provision to net charge-offs | 328.2209% | 1,418 |
| Earnings coverage of net charge-offs (x) | 4.6748% | 3,037 |
| Efficiency ratio | 75.3318% | 3,822 |
| Assets per employee ($millions) | 2.3241% | 7,516 |
| Cash dividends to net income (ytd only)* | 99.1189% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9098% | 1,767 |
| Loan loss allowance to noncurrent loans | 29.0848% | 6,558 |
| Noncurrent assets plus other real estate owned to assets | 4.7730% | 1,151 |
| Noncurrent loans to loans | 6.5663% | 797 |
| Net loans and leases to total assets | 69.9136% | 3,721 |
| Net loans and leases to deposits | 86.4489% | 3,468 |
| Net loans and leases to core deposits | 92.8314% | 5,261 |
| Total domestic deposits to total assets | 80.8727% | 5,121 |
| Equity capital to assets | 8.3990% | 6,193 |
| Core capital (leverage) ratio | 7.8379% | 6,568 |
| Tier 1 risk-based capital ratio | 9.7953% | 7,142 |
| Total risk-based capital ratio | 11.0512% | 7,081 |
| Memoranda: | ||
| Average total assets | $101,234,000 | 5,129 |
| Average earning assets | $92,341,330 | 5,111 |
| Average equity | $8,346,000 | 5,903 |
| Average total loans | $72,333,330 | 4,872 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9328% | 2,635 |
| Cost of funding earning assets | 1.7493% | 5,354 |
| Net interest margin | 4.1835% | 1,960 |
| Noninterest income to average assets | 2.3908% | 266 |
| Noninterest expense to average assets | 4.6704% | 606 |
| Loan and lease loss provision to assets | 0.9095% | 1,440 |
| Net operating income to assets | 0.6195% | 3,943 |
| Return on assets (ROA) | 0.6195% | 4,128 |
| Pretax return on assets | 0.6195% | 4,696 |
| Return on Equity (ROE) | 7.5871% | 3,336 |
| Retained earnings to average equity (ytd only) | 6.7117% | 2,322 |
| Net charge-offs to loans | -0.0222% | 7,464 |
| Credit loss provision to net charge-offs | -5,725.0000% | 6,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3363% | 3,597 |
| Assets per employee ($millions) | 2.2502% | 7,648 |
| Cash dividends to net income (ytd only)* | 11.5385% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7343% | 2,025 |
| Loan loss allowance to noncurrent loans | 29.9904% | 6,551 |
| Noncurrent assets plus other real estate owned to assets | 4.2199% | 1,188 |
| Noncurrent loans to loans | 5.7829% | 850 |
| Net loans and leases to total assets | 70.1113% | 3,644 |
| Net loans and leases to deposits | 86.6118% | 3,535 |
| Net loans and leases to core deposits | 93.6189% | 5,195 |
| Total domestic deposits to total assets | 80.9489% | 4,994 |
| Equity capital to assets | 8.2995% | 6,395 |
| Core capital (leverage) ratio | 7.6470% | 6,955 |
| Tier 1 risk-based capital ratio | 9.6754% | 7,276 |
| Total risk-based capital ratio | 10.9297% | 7,189 |
| Memoranda: | ||
| Average total assets | $100,720,000 | 5,161 |
| Average earning assets | $91,693,500 | 5,159 |
| Average equity | $8,224,500 | 5,979 |
| Average total loans | $72,056,500 | 4,904 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6795% | 2,107 |
| Cost of funding earning assets | 2.2017% | 5,590 |
| Net interest margin | 4.4778% | 1,477 |
| Noninterest income to average assets | 2.0073% | 341 |
| Noninterest expense to average assets | 4.6791% | 777 |
| Loan and lease loss provision to assets | 0.7229% | 2,043 |
| Net operating income to assets | 0.7160% | 3,821 |
| Return on assets (ROA) | 0.7160% | 3,651 |
| Pretax return on assets | 0.7160% | 4,346 |
| Return on Equity (ROE) | 9.2678% | 2,540 |
| Retained earnings to average equity (ytd only) | 5.7683% | 1,637 |
| Net charge-offs to loans | 0.7899% | 1,575 |
| Credit loss provision to net charge-offs | 127.3997% | 4,188 |
| Earnings coverage of net charge-offs (x) | 2.5358% | 4,808 |
| Efficiency ratio | 76.4811% | 3,153 |
| Assets per employee ($millions) | 2.4434% | 7,315 |
| Cash dividends to net income (ytd only)* | 37.7593% | 3,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 3,092 |
| Loan loss allowance to noncurrent loans | 41.9926% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 2.8758% | 1,621 |
| Noncurrent loans to loans | 3.3799% | 1,525 |
| Net loans and leases to total assets | 70.7180% | 3,850 |
| Net loans and leases to deposits | 87.1951% | 3,911 |
| Net loans and leases to core deposits | 94.2502% | 5,431 |
| Total domestic deposits to total assets | 81.1032% | 4,593 |
| Equity capital to assets | 8.0305% | 6,804 |
| Core capital (leverage) ratio | 7.6044% | 7,070 |
| Tier 1 risk-based capital ratio | 9.4041% | 7,409 |
| Total risk-based capital ratio | 10.6544% | 7,330 |
| Memoranda: | ||
| Average total assets | $100,980,000 | 5,015 |
| Average earning assets | $92,702,000 | 5,010 |
| Average equity | $7,801,200 | 6,173 |
| Average total loans | $72,542,200 | 4,786 |