Home > Lakeside Bank > Performance and Condition Ratios
Lakeside 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 | 6.4112% | 384 |
| Cost of funding earning assets | 2.2460% | 594 |
| Net interest margin | 4.1651% | 984 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 1.8957% | 3,846 |
| Loan and lease loss provision to assets | 0.4100% | 237 |
| Net operating income to assets | 2.0539% | 431 |
| Return on assets (ROA) | 2.0539% | 417 |
| Pretax return on assets | 1.8549% | 818 |
| Return on Equity (ROE) | 18.0400% | 813 |
| Retained earnings to average equity (ytd only) | 13.6440% | 438 |
| Net charge-offs to loans | 0.0375% | 1,558 |
| Credit loss provision to net charge-offs | 2,130.1587% | 214 |
| Earnings coverage of net charge-offs (x) | 117.8730% | 828 |
| Efficiency ratio | 44.2539% | 4,245 |
| Assets per employee ($millions) | 21.9755% | 85 |
| Cash dividends to net income (ytd only)* | 24.3580% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 2,036 |
| Loan loss allowance to noncurrent loans | 284.7437% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 2,021 |
| Noncurrent loans to loans | 0.4379% | 1,682 |
| Net loans and leases to total assets | 53.8100% | 3,364 |
| Net loans and leases to deposits | 72.4138% | 2,733 |
| Net loans and leases to core deposits | 72.7024% | 3,142 |
| Total domestic deposits to total assets | 74.3100% | 4,087 |
| Equity capital to assets | 11.3774% | 1,339 |
| Core capital (leverage) ratio | 10.4313% | 2,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $328,003,200 | 2,276 |
| Average earning assets | $317,758,800 | 2,214 |
| Average equity | $37,349,800 | 1,964 |
| Average total loans | $168,218,800 | 2,537 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1166% | 462 |
| Cost of funding earning assets | 1.9743% | 735 |
| Net interest margin | 4.1423% | 1,000 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.8524% | 3,878 |
| Loan and lease loss provision to assets | 0.3400% | 262 |
| Net operating income to assets | 1.9674% | 523 |
| Return on assets (ROA) | 1.9674% | 514 |
| Pretax return on assets | 1.9674% | 785 |
| Return on Equity (ROE) | 17.2700% | 1,034 |
| Retained earnings to average equity (ytd only) | 12.9564% | 820 |
| Net charge-offs to loans | 0.0312% | 1,457 |
| Credit loss provision to net charge-offs | 2,186.8421% | 223 |
| Earnings coverage of net charge-offs (x) | 146.9474% | 743 |
| Efficiency ratio | 43.1454% | 4,262 |
| Assets per employee ($millions) | 20.8753% | 91 |
| Cash dividends to net income (ytd only)* | 24.9947% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 3,289 |
| Loan loss allowance to noncurrent loans | 772.7642% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 3,176 |
| Noncurrent loans to loans | 0.1314% | 2,894 |
| Net loans and leases to total assets | 49.3200% | 3,667 |
| Net loans and leases to deposits | 64.4867% | 3,229 |
| Net loans and leases to core deposits | 64.8343% | 3,488 |
| Total domestic deposits to total assets | 76.4800% | 3,973 |
| Equity capital to assets | 10.2386% | 1,680 |
| Core capital (leverage) ratio | 9.9359% | 2,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $322,102,000 | 2,307 |
| Average earning assets | $311,929,000 | 2,237 |
| Average equity | $36,686,250 | 1,980 |
| Average total loans | $162,376,250 | 2,588 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7217% | 617 |
| Cost of funding earning assets | 1.5851% | 1,097 |
| Net interest margin | 4.1365% | 1,030 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 1.8763% | 3,866 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 2.2615% | 322 |
| Return on assets (ROA) | 2.2615% | 315 |
| Pretax return on assets | 2.2615% | 492 |
| Return on Equity (ROE) | 19.0600% | 824 |
| Retained earnings to average equity (ytd only) | 14.2917% | 647 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.7757% | 4,220 |
| Assets per employee ($millions) | 18.9981% | 105 |
| Cash dividends to net income (ytd only)* | 25.0291% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7081% | 4,164 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 48.7900% | 3,643 |
| Net loans and leases to deposits | 65.3593% | 3,099 |
| Net loans and leases to core deposits | 65.7533% | 3,359 |
| Total domestic deposits to total assets | 74.6500% | 4,145 |
| Equity capital to assets | 10.9330% | 1,415 |
| Core capital (leverage) ratio | 11.4546% | 1,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $304,217,333 | 2,423 |
| Average earning assets | $294,110,333 | 2,347 |
| Average equity | $36,091,000 | 2,017 |
| Average total loans | $154,092,333 | 2,637 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4213% | 697 |
| Cost of funding earning assets | 1.3354% | 1,160 |
| Net interest margin | 4.0860% | 1,122 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.2934% | 2,832 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.8616% | 606 |
| Return on assets (ROA) | 1.8616% | 596 |
| Pretax return on assets | 1.8616% | 965 |
| Return on Equity (ROE) | 14.9900% | 1,550 |
| Retained earnings to average equity (ytd only) | 14.9874% | 803 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.7451% | 3,627 |
| Assets per employee ($millions) | 17.4899% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7695% | 4,137 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 51.6100% | 3,372 |
| Net loans and leases to deposits | 72.1481% | 2,461 |
| Net loans and leases to core deposits | 72.6674% | 2,768 |
| Total domestic deposits to total assets | 71.5400% | 4,375 |
| Equity capital to assets | 12.1532% | 951 |
| Core capital (leverage) ratio | 12.1811% | 1,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $285,343,500 | 2,535 |
| Average earning assets | $275,282,500 | 2,477 |
| Average equity | $35,443,000 | 2,068 |
| Average total loans | $147,115,000 | 2,732 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9640% | 1,815 |
| Cost of funding earning assets | 0.4802% | 1,532 |
| Net interest margin | 3.4838% | 1,979 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.7315% | 4,122 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 1.2077% | 1,744 |
| Return on assets (ROA) | 1.2077% | 1,690 |
| Pretax return on assets | 1.5294% | 1,365 |
| Return on Equity (ROE) | 8.4100% | 3,274 |
| Retained earnings to average equity (ytd only) | 8.4142% | 1,673 |
| Net charge-offs to loans | 0.1598% | 516 |
| Credit loss provision to net charge-offs | 253.8462% | 991 |
| Earnings coverage of net charge-offs (x) | 20.3128% | 1,887 |
| Efficiency ratio | 49.7654% | 4,143 |
| Assets per employee ($millions) | 17.0849% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7945% | 4,043 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 50.6600% | 3,459 |
| Net loans and leases to deposits | 72.9015% | 2,337 |
| Net loans and leases to core deposits | 73.0981% | 2,640 |
| Total domestic deposits to total assets | 69.4900% | 4,481 |
| Equity capital to assets | 12.7126% | 762 |
| Core capital (leverage) ratio | 12.6822% | 1,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $226,623,400 | 2,862 |
| Average earning assets | $218,439,200 | 2,811 |
| Average equity | $32,528,400 | 2,220 |
| Average total loans | $122,007,200 | 2,898 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4218% | 2,853 |
| Cost of funding earning assets | 0.3108% | 2,052 |
| Net interest margin | 3.1110% | 2,897 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 1.7927% | 4,000 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 0.8604% | 3,033 |
| Return on assets (ROA) | 0.8604% | 3,008 |
| Pretax return on assets | 1.0911% | 2,754 |
| Return on Equity (ROE) | 5.7800% | 3,835 |
| Retained earnings to average equity (ytd only) | 5.7839% | 2,825 |
| Net charge-offs to loans | 0.0317% | 1,207 |
| Credit loss provision to net charge-offs | 1,410.7143% | 319 |
| Earnings coverage of net charge-offs (x) | 76.9286% | 1,060 |
| Efficiency ratio | 57.2958% | 3,474 |
| Assets per employee ($millions) | 17.3599% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8388% | 4,009 |
| Loan loss allowance to noncurrent loans | 5,113.0435% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 3,894 |
| Noncurrent loans to loans | 0.0164% | 3,807 |
| Net loans and leases to total assets | 57.2000% | 2,780 |
| Net loans and leases to deposits | 85.7512% | 1,189 |
| Net loans and leases to core deposits | 86.0218% | 1,522 |
| Total domestic deposits to total assets | 66.7100% | 4,578 |
| Equity capital to assets | 13.5148% | 615 |
| Core capital (leverage) ratio | 13.3470% | 815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $214,939,500 | 2,966 |
| Average earning assets | $207,214,250 | 2,902 |
| Average equity | $31,972,750 | 2,274 |
| Average total loans | $117,613,750 | 2,950 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9558% | 3,664 |
| Cost of funding earning assets | 0.1674% | 3,349 |
| Net interest margin | 2.7884% | 3,476 |
| Noninterest income to average assets | 0.1401% | 4,318 |
| Noninterest expense to average assets | 1.8125% | 3,921 |
| Loan and lease loss provision to assets | 0.1411% | 679 |
| Net operating income to assets | 0.6898% | 3,338 |
| Return on assets (ROA) | 0.6898% | 3,293 |
| Pretax return on assets | 0.8766% | 3,129 |
| Return on Equity (ROE) | 4.4758% | 3,918 |
| Retained earnings to average equity (ytd only) | 4.4758% | 2,896 |
| Net charge-offs to loans | 0.0382% | 1,001 |
| Credit loss provision to net charge-offs | 690.4762% | 522 |
| Earnings coverage of net charge-offs (x) | 49.8095% | 1,160 |
| Efficiency ratio | 64.0426% | 2,770 |
| Assets per employee ($millions) | 13.5127% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7845% | 4,195 |
| Loan loss allowance to noncurrent loans | 13,328.5714% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,031 |
| Noncurrent loans to loans | 0.0059% | 3,952 |
| Net loans and leases to total assets | 54.5737% | 2,904 |
| Net loans and leases to deposits | 71.8689% | 2,041 |
| Net loans and leases to core deposits | 72.0924% | 2,329 |
| Total domestic deposits to total assets | 75.9351% | 4,460 |
| Equity capital to assets | 14.8550% | 416 |
| Core capital (leverage) ratio | 13.9868% | 635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,573,333 | 3,062 |
| Average earning assets | $198,324,333 | 3,005 |
| Average equity | $31,681,667 | 2,330 |
| Average total loans | $110,084,667 | 3,059 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6546% | 4,022 |
| Cost of funding earning assets | 0.0828% | 4,322 |
| Net interest margin | 2.5718% | 3,733 |
| Noninterest income to average assets | 0.1358% | 4,337 |
| Noninterest expense to average assets | 1.7098% | 4,120 |
| Loan and lease loss provision to assets | 0.1198% | 694 |
| Net operating income to assets | 0.6192% | 3,333 |
| Return on assets (ROA) | 0.6192% | 3,317 |
| Pretax return on assets | 0.7870% | 3,148 |
| Return on Equity (ROE) | 3.9410% | 3,890 |
| Retained earnings to average equity (ytd only) | 3.9410% | 2,951 |
| Net charge-offs to loans | 0.0795% | 600 |
| Credit loss provision to net charge-offs | 285.7143% | 681 |
| Earnings coverage of net charge-offs (x) | 21.6190% | 1,252 |
| Efficiency ratio | 65.3435% | 2,853 |
| Assets per employee ($millions) | 13.0788% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7868% | 4,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 51.1025% | 3,061 |
| Net loans and leases to deposits | 67.8328% | 2,172 |
| Net loans and leases to core deposits | 68.4879% | 2,413 |
| Total domestic deposits to total assets | 75.3359% | 4,527 |
| Equity capital to assets | 15.1099% | 384 |
| Core capital (leverage) ratio | 15.3202% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,258,500 | 3,104 |
| Average earning assets | $193,170,500 | 3,053 |
| Average equity | $31,464,000 | 2,412 |
| Average total loans | $105,665,500 | 3,116 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8877% | 4,076 |
| Cost of funding earning assets | 0.0390% | 4,733 |
| Net interest margin | 2.8487% | 3,561 |
| Noninterest income to average assets | 0.2363% | 3,963 |
| Noninterest expense to average assets | 1.7931% | 4,157 |
| Loan and lease loss provision to assets | 0.2819% | 296 |
| Net operating income to assets | 0.8823% | 3,105 |
| Return on assets (ROA) | 0.8823% | 3,165 |
| Pretax return on assets | 0.9097% | 3,488 |
| Return on Equity (ROE) | 5.4050% | 3,907 |
| Retained earnings to average equity (ytd only) | 5.4050% | 2,614 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0756% | 3,133 |
| Assets per employee ($millions) | 12.7505% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7813% | 4,297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 53.7167% | 2,885 |
| Net loans and leases to deposits | 64.7158% | 2,621 |
| Net loans and leases to core deposits | 65.3360% | 2,879 |
| Total domestic deposits to total assets | 83.0040% | 3,807 |
| Equity capital to assets | 16.3701% | 342 |
| Core capital (leverage) ratio | 15.3654% | 418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,215,800 | 3,154 |
| Average earning assets | $179,660,800 | 3,094 |
| Average equity | $30,397,800 | 2,507 |
| Average total loans | $98,745,200 | 3,211 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7817% | 4,320 |
| Cost of funding earning assets | 0.0396% | 4,815 |
| Net interest margin | 2.7421% | 3,898 |
| Noninterest income to average assets | 0.2314% | 4,017 |
| Noninterest expense to average assets | 1.6393% | 4,414 |
| Loan and lease loss provision to assets | 0.2703% | 316 |
| Net operating income to assets | 0.9674% | 3,029 |
| Return on assets (ROA) | 0.9674% | 3,111 |
| Pretax return on assets | 0.9674% | 3,547 |
| Return on Equity (ROE) | 5.9307% | 3,929 |
| Retained earnings to average equity (ytd only) | 5.9307% | 2,853 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9782% | 3,416 |
| Assets per employee ($millions) | 14.9613% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6469% | 4,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 52.0388% | 3,186 |
| Net loans and leases to deposits | 62.2545% | 3,014 |
| Net loans and leases to core deposits | 62.9562% | 3,224 |
| Total domestic deposits to total assets | 83.5905% | 3,565 |
| Equity capital to assets | 15.8398% | 432 |
| Core capital (leverage) ratio | 14.9626% | 498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,955,500 | 3,204 |
| Average earning assets | $178,445,500 | 3,146 |
| Average equity | $30,170,000 | 2,552 |
| Average total loans | $97,545,000 | 3,279 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6458% | 4,509 |
| Cost of funding earning assets | 0.0399% | 4,854 |
| Net interest margin | 2.6059% | 4,158 |
| Noninterest income to average assets | 0.2190% | 4,098 |
| Noninterest expense to average assets | 1.7285% | 4,318 |
| Loan and lease loss provision to assets | 0.1375% | 889 |
| Net operating income to assets | 0.8670% | 3,312 |
| Return on assets (ROA) | 0.8670% | 3,382 |
| Pretax return on assets | 0.8670% | 3,731 |
| Return on Equity (ROE) | 5.2608% | 4,084 |
| Retained earnings to average equity (ytd only) | 5.2608% | 3,093 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2448% | 2,532 |
| Assets per employee ($millions) | 16.7670% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4025% | 4,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 50.2967% | 3,530 |
| Net loans and leases to deposits | 59.7548% | 3,411 |
| Net loans and leases to core deposits | 60.4007% | 3,592 |
| Total domestic deposits to total assets | 84.1718% | 3,373 |
| Equity capital to assets | 15.0936% | 513 |
| Core capital (leverage) ratio | 15.8981% | 384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,775,000 | 3,242 |
| Average earning assets | $175,374,000 | 3,173 |
| Average equity | $29,957,333 | 2,556 |
| Average total loans | $96,102,333 | 3,309 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5039% | 4,640 |
| Cost of funding earning assets | 0.0410% | 4,893 |
| Net interest margin | 2.4629% | 4,353 |
| Noninterest income to average assets | 0.2395% | 3,959 |
| Noninterest expense to average assets | 1.7412% | 4,303 |
| Loan and lease loss provision to assets | 0.0349% | 2,308 |
| Net operating income to assets | 0.8346% | 3,314 |
| Return on assets (ROA) | 0.8346% | 3,394 |
| Pretax return on assets | 0.8346% | 3,754 |
| Return on Equity (ROE) | 4.8266% | 4,127 |
| Retained earnings to average equity (ytd only) | 4.8266% | 3,281 |
| Net charge-offs to loans | 0.0214% | 1,307 |
| Credit loss provision to net charge-offs | 300.0000% | 753 |
| Earnings coverage of net charge-offs (x) | 74.8000% | 731 |
| Efficiency ratio | 66.6963% | 2,126 |
| Assets per employee ($millions) | 13.9543% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2800% | 4,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 62.5335% | 2,230 |
| Net loans and leases to deposits | 77.1691% | 1,787 |
| Net loans and leases to core deposits | 78.2123% | 2,164 |
| Total domestic deposits to total assets | 81.0345% | 4,057 |
| Equity capital to assets | 17.8805% | 260 |
| Core capital (leverage) ratio | 15.7416% | 402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,060,500 | 3,312 |
| Average earning assets | $165,661,000 | 3,259 |
| Average equity | $29,751,500 | 2,563 |
| Average total loans | $93,349,500 | 3,357 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1563% | 4,901 |
| Cost of funding earning assets | 0.0550% | 4,933 |
| Net interest margin | 2.1014% | 4,802 |
| Noninterest income to average assets | 0.3630% | 3,296 |
| Noninterest expense to average assets | 2.2571% | 3,516 |
| Loan and lease loss provision to assets | 0.1650% | 2,314 |
| Net operating income to assets | -0.0596% | 4,764 |
| Return on assets (ROA) | -0.0596% | 4,794 |
| Pretax return on assets | -0.0596% | 4,784 |
| Return on Equity (ROE) | -0.2923% | 4,784 |
| Retained earnings to average equity (ytd only) | -0.2923% | 4,563 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5424% | 234 |
| Assets per employee ($millions) | 14.7225% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3476% | 4,881 |
| Loan loss allowance to noncurrent loans | 887.5000% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 4,307 |
| Noncurrent loans to loans | 0.0392% | 4,147 |
| Net loans and leases to total assets | 46.0791% | 4,119 |
| Net loans and leases to deposits | 55.9228% | 4,005 |
| Net loans and leases to core deposits | 56.7362% | 4,115 |
| Total domestic deposits to total assets | 82.3977% | 3,565 |
| Equity capital to assets | 16.7329% | 363 |
| Core capital (leverage) ratio | 18.1739% | 255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.2889% | 123 |
| Memoranda: | ||
| Average total assets | $135,795,800 | 3,560 |
| Average earning assets | $129,202,600 | 3,520 |
| Average equity | $27,707,800 | 2,620 |
| Average total loans | $51,710,200 | 4,075 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2042% | 4,948 |
| Cost of funding earning assets | 0.0605% | 4,974 |
| Net interest margin | 2.1437% | 4,837 |
| Noninterest income to average assets | 0.4597% | 2,794 |
| Noninterest expense to average assets | 2.3857% | 3,180 |
| Loan and lease loss provision to assets | 0.2198% | 1,829 |
| Net operating income to assets | -0.1157% | 4,819 |
| Return on assets (ROA) | -0.1157% | 4,829 |
| Pretax return on assets | -0.1157% | 4,815 |
| Return on Equity (ROE) | -0.5334% | 4,818 |
| Retained earnings to average equity (ytd only) | -0.5334% | 4,557 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8209% | 228 |
| Assets per employee ($millions) | 13.4221% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3611% | 4,904 |
| Loan loss allowance to noncurrent loans | 988.8889% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 4,384 |
| Noncurrent loans to loans | 0.0365% | 4,244 |
| Net loans and leases to total assets | 49.9008% | 4,105 |
| Net loans and leases to deposits | 63.2534% | 3,843 |
| Net loans and leases to core deposits | 64.5773% | 3,979 |
| Total domestic deposits to total assets | 78.8903% | 4,070 |
| Equity capital to assets | 20.0030% | 213 |
| Core capital (leverage) ratio | 18.5966% | 249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.1499% | 70 |
| Memoranda: | ||
| Average total assets | $125,577,250 | 3,672 |
| Average earning assets | $118,919,250 | 3,625 |
| Average equity | $27,244,250 | 2,643 |
| Average total loans | $44,214,750 | 4,247 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0920% | 5,011 |
| Cost of funding earning assets | 0.0933% | 4,979 |
| Net interest margin | 1.9988% | 4,946 |
| Noninterest income to average assets | 0.2673% | 3,874 |
| Noninterest expense to average assets | 2.2246% | 3,710 |
| Loan and lease loss provision to assets | 0.2656% | 1,603 |
| Net operating income to assets | -0.3383% | 4,887 |
| Return on assets (ROA) | -0.3383% | 4,887 |
| Pretax return on assets | -0.3383% | 4,873 |
| Return on Equity (ROE) | -1.5105% | 4,861 |
| Retained earnings to average equity (ytd only) | -1.5105% | 4,538 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3805% | 145 |
| Assets per employee ($millions) | 10.9936% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3667% | 4,924 |
| Loan loss allowance to noncurrent loans | 620.0000% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 4,422 |
| Noncurrent loans to loans | 0.0591% | 4,238 |
| Net loans and leases to total assets | 44.6943% | 4,421 |
| Net loans and leases to deposits | 56.4424% | 4,277 |
| Net loans and leases to core deposits | 57.7611% | 4,364 |
| Total domestic deposits to total assets | 79.1856% | 4,008 |
| Equity capital to assets | 20.0450% | 213 |
| Core capital (leverage) ratio | 18.8327% | 251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.2489% | 47 |
| Memoranda: | ||
| Average total assets | $118,222,000 | 3,747 |
| Average earning assets | $111,469,667 | 3,716 |
| Average equity | $26,481,333 | 2,685 |
| Average total loans | $34,305,667 | 4,469 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4609% | 5,052 |
| Cost of funding earning assets | 0.1110% | 5,030 |
| Net interest margin | 2.3499% | 4,905 |
| Noninterest income to average assets | 0.4274% | 2,922 |
| Noninterest expense to average assets | 2.0185% | 4,364 |
| Loan and lease loss provision to assets | 0.5639% | 505 |
| Net operating income to assets | 0.0503% | 4,710 |
| Return on assets (ROA) | 0.0503% | 4,704 |
| Pretax return on assets | 0.0503% | 4,700 |
| Return on Equity (ROE) | 0.2113% | 4,721 |
| Retained earnings to average equity (ytd only) | 0.2113% | 3,942 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6712% | 1,489 |
| Assets per employee ($millions) | 10.2254% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 4,257 |
| Loan loss allowance to noncurrent loans | 556.4103% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 4,446 |
| Noncurrent loans to loans | 0.1540% | 3,907 |
| Net loans and leases to total assets | 22.3153% | 4,992 |
| Net loans and leases to deposits | 29.5806% | 4,980 |
| Net loans and leases to core deposits | 30.4346% | 4,982 |
| Total domestic deposits to total assets | 75.4390% | 4,541 |
| Equity capital to assets | 23.6995% | 131 |
| Core capital (leverage) ratio | 22.9210% | 151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.4765% | 137 |
| Memoranda: | ||
| Average total assets | $111,371,500 | 3,827 |
| Average earning assets | $104,516,000 | 3,809 |
| Average equity | $26,500,000 | 2,673 |
| Average total loans | $21,869,000 | 4,767 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0215% | 5,167 |
| Cost of funding earning assets | 0.0442% | 5,146 |
| Net interest margin | 0.9773% | 5,158 |
| Noninterest income to average assets | 0.1748% | 4,613 |
| Noninterest expense to average assets | 1.9809% | 4,558 |
| Loan and lease loss provision to assets | 0.0815% | 2,373 |
| Net operating income to assets | -0.9570% | 5,095 |
| Return on assets (ROA) | -0.9570% | 5,098 |
| Pretax return on assets | -0.9570% | 5,091 |
| Return on Equity (ROE) | -5.2001% | 5,081 |
| Retained earnings to average equity (ytd only) | -5.2001% | 4,989 |
| Net charge-offs to loans | 0.0113% | 3,285 |
| Credit loss provision to net charge-offs | 3,100.0000% | 131 |
| Earnings coverage of net charge-offs (x) | -333.0000% | 3,719 |
| Efficiency ratio | 179.1914% | 26 |
| Assets per employee ($millions) | 10.0240% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3257% | 5,028 |
| Loan loss allowance to noncurrent loans | 142.8571% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 4,449 |
| Noncurrent loans to loans | 0.2280% | 3,630 |
| Net loans and leases to total assets | 16.6519% | 5,090 |
| Net loans and leases to deposits | 22.1372% | 5,091 |
| Net loans and leases to core deposits | 22.7903% | 5,090 |
| Total domestic deposits to total assets | 75.2213% | 4,684 |
| Equity capital to assets | 23.8908% | 136 |
| Core capital (leverage) ratio | 28.1140% | 82 |
| Tier 1 risk-based capital ratio | 63.7354% | 87 |
| Total risk-based capital ratio | 63.8947% | 87 |
| Memoranda: | ||
| Average total assets | $76,074,800 | 4,349 |
| Average earning assets | $72,440,800 | 4,306 |
| Average equity | $13,999,800 | 3,751 |
| Average total loans | $17,621,600 | 4,916 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3733% | 5,253 |
| Cost of funding earning assets | 0.0165% | 5,236 |
| Net interest margin | 0.3568% | 5,251 |
| Noninterest income to average assets | 0.0454% | 5,120 |
| Noninterest expense to average assets | 0.3139% | 5,246 |
| Loan and lease loss provision to assets | 0.0197% | 3,509 |
| Net operating income to assets | 0.0415% | 5,049 |
| Return on assets (ROA) | 0.0415% | 5,063 |
| Pretax return on assets | 0.0533% | 5,057 |
| Return on Equity (ROE) | 0.2566% | 5,070 |
| Retained earnings to average equity (ytd only) | 0.2566% | 4,714 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1224% | 821 |
| Assets per employee ($millions) | 7.6256% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0648% | 5,190 |
| Loan loss allowance to noncurrent loans | 23.8095% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 4,462 |
| Noncurrent loans to loans | 0.2720% | 3,568 |
| Net loans and leases to total assets | 18.3961% | 5,166 |
| Net loans and leases to deposits | 26.5019% | 5,147 |
| Net loans and leases to core deposits | 27.6650% | 5,144 |
| Total domestic deposits to total assets | 69.4142% | 5,017 |
| Equity capital to assets | 29.3150% | 77 |
| Core capital (leverage) ratio | 27.3185% | 94 |
| Tier 1 risk-based capital ratio | 58.9040% | 99 |
| Total risk-based capital ratio | 58.9306% | 101 |
| Memoranda: | ||
| Average total assets | $67,527,500 | 4,527 |
| Average earning assets | $64,647,500 | 4,480 |
| Average equity | $10,914,000 | 4,173 |
| Average total loans | $17,421,750 | 4,993 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2722% | 5,133 |
| Cost of funding earning assets | 0.1456% | 5,170 |
| Net interest margin | 3.1266% | 4,490 |
| Noninterest income to average assets | 0.3319% | 3,722 |
| Noninterest expense to average assets | 2.5259% | 3,400 |
| Loan and lease loss provision to assets | 0.0580% | 2,666 |
| Net operating income to assets | 0.6637% | 4,118 |
| Return on assets (ROA) | 0.6637% | 4,174 |
| Pretax return on assets | 0.7926% | 4,114 |
| Return on Equity (ROE) | 6.4827% | 3,881 |
| Retained earnings to average equity (ytd only) | 6.4827% | 2,063 |
| Net charge-offs to loans | 0.0111% | 2,740 |
| Credit loss provision to net charge-offs | 1,800.0000% | 211 |
| Earnings coverage of net charge-offs (x) | 264.0000% | 306 |
| Efficiency ratio | 74.8092% | 1,540 |
| Assets per employee ($millions) | 6.2514% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 2,211 |
| Loan loss allowance to noncurrent loans | 484.0909% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 4,407 |
| Noncurrent loans to loans | 0.2598% | 3,601 |
| Net loans and leases to total assets | 26.7556% | 5,142 |
| Net loans and leases to deposits | 29.9266% | 5,169 |
| Net loans and leases to core deposits | 31.4103% | 5,167 |
| Total domestic deposits to total assets | 89.4040% | 507 |
| Equity capital to assets | 10.3353% | 3,660 |
| Core capital (leverage) ratio | 10.4412% | 3,151 |
| Tier 1 risk-based capital ratio | 29.0924% | 517 |
| Total risk-based capital ratio | 30.0537% | 519 |
| Memoranda: | ||
| Average total assets | $62,076,000 | 4,657 |
| Average earning assets | $60,449,000 | 4,596 |
| Average equity | $6,355,330 | 4,805 |
| Average total loans | $18,082,000 | 5,021 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2489% | 5,199 |
| Cost of funding earning assets | 0.1329% | 5,235 |
| Net interest margin | 3.1160% | 4,562 |
| Noninterest income to average assets | 0.2781% | 4,024 |
| Noninterest expense to average assets | 2.5349% | 3,405 |
| Loan and lease loss provision to assets | 0.0582% | 2,488 |
| Net operating income to assets | 0.6014% | 4,242 |
| Return on assets (ROA) | 0.6014% | 4,278 |
| Pretax return on assets | 0.7178% | 4,260 |
| Return on Equity (ROE) | 5.9024% | 4,054 |
| Retained earnings to average equity (ytd only) | 5.9024% | 2,496 |
| Net charge-offs to loans | 0.0214% | 2,023 |
| Credit loss provision to net charge-offs | 900.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 592 |
| Efficiency ratio | 76.5625% | 1,442 |
| Assets per employee ($millions) | 6.1257% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 2,907 |
| Loan loss allowance to noncurrent loans | 37.6384% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 0.8848% | 1,595 |
| Noncurrent loans to loans | 3.0310% | 357 |
| Net loans and leases to total assets | 28.8587% | 5,166 |
| Net loans and leases to deposits | 32.2485% | 5,192 |
| Net loans and leases to core deposits | 33.8782% | 5,190 |
| Total domestic deposits to total assets | 89.4885% | 646 |
| Equity capital to assets | 10.3645% | 3,459 |
| Core capital (leverage) ratio | 10.3636% | 3,206 |
| Tier 1 risk-based capital ratio | 27.9440% | 564 |
| Total risk-based capital ratio | 28.8418% | 577 |
| Memoranda: | ||
| Average total assets | $61,857,000 | 4,708 |
| Average earning assets | $60,205,500 | 4,644 |
| Average equity | $6,302,500 | 4,845 |
| Average total loans | $18,653,500 | 5,063 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0187% | 5,225 |
| Cost of funding earning assets | 0.1159% | 5,256 |
| Net interest margin | 2.9028% | 4,915 |
| Noninterest income to average assets | 0.4934% | 2,864 |
| Noninterest expense to average assets | 2.5617% | 3,435 |
| Loan and lease loss provision to assets | 0.1645% | 1,235 |
| Net operating income to assets | 0.5132% | 4,633 |
| Return on assets (ROA) | 0.5132% | 4,630 |
| Pretax return on assets | 0.5909% | 4,647 |
| Return on Equity (ROE) | 5.4271% | 4,346 |
| Retained earnings to average equity (ytd only) | 2.2063% | 4,276 |
| Net charge-offs to loans | 0.5767% | 298 |
| Credit loss provision to net charge-offs | 83.0769% | 2,823 |
| Earnings coverage of net charge-offs (x) | 3.8154% | 3,377 |
| Efficiency ratio | 77.2268% | 1,211 |
| Assets per employee ($millions) | 6.2457% | 1,361 |
| Cash dividends to net income (ytd only)* | 59.3472% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 3,625 |
| Loan loss allowance to noncurrent loans | 29.1233% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 1.0775% | 1,251 |
| Noncurrent loans to loans | 3.4646% | 260 |
| Net loans and leases to total assets | 30.7876% | 5,193 |
| Net loans and leases to deposits | 34.2891% | 5,221 |
| Net loans and leases to core deposits | 36.2210% | 5,212 |
| Total domestic deposits to total assets | 89.7882% | 545 |
| Equity capital to assets | 10.0165% | 3,671 |
| Core capital (leverage) ratio | 9.8411% | 3,759 |
| Tier 1 risk-based capital ratio | 26.0583% | 660 |
| Total risk-based capital ratio | 26.8717% | 681 |
| Memoranda: | ||
| Average total assets | $65,660,200 | 4,663 |
| Average earning assets | $63,869,600 | 4,595 |
| Average equity | $6,209,600 | 4,862 |
| Average total loans | $22,543,600 | 5,014 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9269% | 5,317 |
| Cost of funding earning assets | 0.1113% | 5,325 |
| Net interest margin | 2.8156% | 5,072 |
| Noninterest income to average assets | 0.4875% | 2,937 |
| Noninterest expense to average assets | 2.5779% | 3,352 |
| Loan and lease loss provision to assets | 0.1986% | 881 |
| Net operating income to assets | 0.3972% | 4,962 |
| Return on assets (ROA) | 0.3972% | 4,962 |
| Pretax return on assets | 0.4514% | 4,966 |
| Return on Equity (ROE) | 4.2593% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.2593% | 3,641 |
| Net charge-offs to loans | 0.6974% | 207 |
| Credit loss provision to net charge-offs | 81.1475% | 2,515 |
| Earnings coverage of net charge-offs (x) | 2.6558% | 3,226 |
| Efficiency ratio | 79.8633% | 954 |
| Assets per employee ($millions) | 6.4704% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 4,196 |
| Loan loss allowance to noncurrent loans | 22.4654% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 1.3415% | 1,007 |
| Noncurrent loans to loans | 4.0864% | 199 |
| Net loans and leases to total assets | 32.5266% | 5,230 |
| Net loans and leases to deposits | 36.0945% | 5,270 |
| Net loans and leases to core deposits | 38.1047% | 5,265 |
| Total domestic deposits to total assets | 90.1150% | 472 |
| Equity capital to assets | 9.7614% | 3,858 |
| Core capital (leverage) ratio | 9.5948% | 4,066 |
| Tier 1 risk-based capital ratio | 25.0977% | 744 |
| Total risk-based capital ratio | 25.8672% | 766 |
| Memoranda: | ||
| Average total assets | $66,461,000 | 4,693 |
| Average earning assets | $64,685,000 | 4,630 |
| Average equity | $6,198,000 | 4,921 |
| Average total loans | $23,323,250 | 5,051 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9190% | 5,361 |
| Cost of funding earning assets | 0.1136% | 5,365 |
| Net interest margin | 2.8054% | 5,112 |
| Noninterest income to average assets | 0.3460% | 3,859 |
| Noninterest expense to average assets | 2.6996% | 3,021 |
| Loan and lease loss provision to assets | 0.0895% | 2,127 |
| Net operating income to assets | 0.2655% | 5,166 |
| Return on assets (ROA) | 0.2655% | 5,160 |
| Pretax return on assets | 0.2834% | 5,178 |
| Return on Equity (ROE) | 2.8902% | 5,042 |
| Retained earnings to average equity (ytd only) | 2.8902% | 4,095 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8641% | 477 |
| Assets per employee ($millions) | 6.7024% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 3,353 |
| Loan loss allowance to noncurrent loans | 46.0111% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.2458% | 1,141 |
| Noncurrent loans to loans | 2.3601% | 569 |
| Net loans and leases to total assets | 33.7043% | 5,249 |
| Net loans and leases to deposits | 37.1827% | 5,299 |
| Net loans and leases to core deposits | 39.5552% | 5,293 |
| Total domestic deposits to total assets | 90.6451% | 350 |
| Equity capital to assets | 9.2609% | 4,324 |
| Core capital (leverage) ratio | 9.2750% | 4,388 |
| Tier 1 risk-based capital ratio | 22.6863% | 963 |
| Total risk-based capital ratio | 23.5910% | 981 |
| Memoranda: | ||
| Average total assets | $67,046,670 | 4,736 |
| Average earning assets | $65,160,330 | 4,676 |
| Average equity | $6,158,670 | 4,979 |
| Average total loans | $24,017,330 | 5,087 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8713% | 5,424 |
| Cost of funding earning assets | 0.1166% | 5,404 |
| Net interest margin | 2.7548% | 5,205 |
| Noninterest income to average assets | 0.3519% | 3,790 |
| Noninterest expense to average assets | 2.7797% | 2,771 |
| Loan and lease loss provision to assets | 0.0537% | 2,698 |
| Net operating income to assets | 0.1849% | 5,258 |
| Return on assets (ROA) | 0.1849% | 5,256 |
| Pretax return on assets | 0.1968% | 5,264 |
| Return on Equity (ROE) | 2.0214% | 5,177 |
| Retained earnings to average equity (ytd only) | 2.0214% | 4,344 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7323% | 372 |
| Assets per employee ($millions) | 6.7241% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9224% | 4,343 |
| Loan loss allowance to noncurrent loans | 122.0430% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.7168% | 2,173 |
| Noncurrent loans to loans | 0.7558% | 2,311 |
| Net loans and leases to total assets | 36.2621% | 5,200 |
| Net loans and leases to deposits | 40.0674% | 5,259 |
| Net loans and leases to core deposits | 42.6202% | 5,251 |
| Total domestic deposits to total assets | 90.5028% | 477 |
| Equity capital to assets | 9.1462% | 4,421 |
| Core capital (leverage) ratio | 9.2730% | 4,352 |
| Tier 1 risk-based capital ratio | 21.9983% | 1,051 |
| Total risk-based capital ratio | 22.8080% | 1,091 |
| Memoranda: | ||
| Average total assets | $67,058,000 | 4,796 |
| Average earning assets | $65,196,000 | 4,728 |
| Average equity | $6,134,500 | 5,036 |
| Average total loans | $24,607,000 | 5,122 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9345% | 5,395 |
| Cost of funding earning assets | 0.1080% | 5,467 |
| Net interest margin | 2.8265% | 5,136 |
| Noninterest income to average assets | 0.4356% | 3,400 |
| Noninterest expense to average assets | 2.5714% | 3,536 |
| Loan and lease loss provision to assets | 0.1528% | 1,479 |
| Net operating income to assets | 0.3343% | 4,860 |
| Return on assets (ROA) | 0.3343% | 4,886 |
| Pretax return on assets | 0.4432% | 5,024 |
| Return on Equity (ROE) | 3.6477% | 4,630 |
| Retained earnings to average equity (ytd only) | 3.6477% | 3,067 |
| Net charge-offs to loans | 0.4222% | 584 |
| Credit loss provision to net charge-offs | 89.3805% | 2,803 |
| Earnings coverage of net charge-offs (x) | 3.4867% | 3,598 |
| Efficiency ratio | 81.1843% | 989 |
| Assets per employee ($millions) | 6.6875% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 4,540 |
| Loan loss allowance to noncurrent loans | 99.5434% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.7701% | 2,027 |
| Noncurrent loans to loans | 0.8901% | 2,000 |
| Net loans and leases to total assets | 36.4650% | 5,271 |
| Net loans and leases to deposits | 40.2708% | 5,338 |
| Net loans and leases to core deposits | 43.0361% | 5,319 |
| Total domestic deposits to total assets | 90.5495% | 380 |
| Equity capital to assets | 9.1499% | 4,579 |
| Core capital (leverage) ratio | 9.0348% | 4,608 |
| Tier 1 risk-based capital ratio | 22.0942% | 1,008 |
| Total risk-based capital ratio | 22.8792% | 1,038 |
| Memoranda: | ||
| Average total assets | $66,111,600 | 4,843 |
| Average earning assets | $63,895,200 | 4,790 |
| Average equity | $6,058,600 | 5,092 |
| Average total loans | $26,767,200 | 5,103 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9404% | 5,452 |
| Cost of funding earning assets | 0.1048% | 5,541 |
| Net interest margin | 2.8356% | 5,171 |
| Noninterest income to average assets | 0.4470% | 3,351 |
| Noninterest expense to average assets | 2.6051% | 3,396 |
| Loan and lease loss provision to assets | 0.0546% | 2,996 |
| Net operating income to assets | 0.5238% | 4,669 |
| Return on assets (ROA) | 0.5238% | 4,698 |
| Pretax return on assets | 0.5238% | 4,982 |
| Return on Equity (ROE) | 5.7139% | 4,241 |
| Retained earnings to average equity (ytd only) | 5.7139% | 2,422 |
| Net charge-offs to loans | 0.0781% | 2,023 |
| Credit loss provision to net charge-offs | 168.7500% | 1,540 |
| Earnings coverage of net charge-offs (x) | 17.8772% | 2,084 |
| Efficiency ratio | 81.8297% | 928 |
| Assets per employee ($millions) | 6.7245% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 4,522 |
| Loan loss allowance to noncurrent loans | 27.4175% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 2.0120% | 640 |
| Noncurrent loans to loans | 3.3216% | 348 |
| Net loans and leases to total assets | 38.9947% | 5,233 |
| Net loans and leases to deposits | 43.0200% | 5,336 |
| Net loans and leases to core deposits | 45.7108% | 5,318 |
| Total domestic deposits to total assets | 90.6432% | 277 |
| Equity capital to assets | 9.1546% | 4,765 |
| Core capital (leverage) ratio | 9.1652% | 4,556 |
| Tier 1 risk-based capital ratio | 21.1068% | 1,178 |
| Total risk-based capital ratio | 21.9331% | 1,216 |
| Memoranda: | ||
| Average total assets | $65,920,750 | 4,899 |
| Average earning assets | $63,617,000 | 4,843 |
| Average equity | $6,043,500 | 5,153 |
| Average total loans | $27,308,000 | 5,143 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9409% | 5,481 |
| Cost of funding earning assets | 0.1075% | 5,569 |
| Net interest margin | 2.8334% | 5,196 |
| Noninterest income to average assets | 0.4856% | 3,110 |
| Noninterest expense to average assets | 2.3244% | 4,278 |
| Loan and lease loss provision to assets | 0.0550% | 2,875 |
| Net operating income to assets | 0.6689% | 3,986 |
| Return on assets (ROA) | 0.6689% | 4,045 |
| Pretax return on assets | 0.8430% | 4,118 |
| Return on Equity (ROE) | 7.2927% | 3,401 |
| Retained earnings to average equity (ytd only) | 7.2927% | 1,454 |
| Net charge-offs to loans | 0.1160% | 1,477 |
| Credit loss provision to net charge-offs | 112.5000% | 1,857 |
| Earnings coverage of net charge-offs (x) | 18.3750% | 1,883 |
| Efficiency ratio | 72.1327% | 2,311 |
| Assets per employee ($millions) | 6.5956% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8341% | 4,858 |
| Loan loss allowance to noncurrent loans | 78.9116% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 0.9233% | 1,906 |
| Noncurrent loans to loans | 1.0570% | 1,859 |
| Net loans and leases to total assets | 41.8203% | 5,150 |
| Net loans and leases to deposits | 46.1795% | 5,278 |
| Net loans and leases to core deposits | 48.5385% | 5,268 |
| Total domestic deposits to total assets | 90.5604% | 335 |
| Equity capital to assets | 9.2744% | 4,648 |
| Core capital (leverage) ratio | 9.2815% | 4,382 |
| Tier 1 risk-based capital ratio | 20.7715% | 1,230 |
| Total risk-based capital ratio | 21.5593% | 1,281 |
| Memoranda: | ||
| Average total assets | $65,479,330 | 4,941 |
| Average earning assets | $63,246,000 | 4,883 |
| Average equity | $6,006,000 | 5,191 |
| Average total loans | $27,589,670 | 5,175 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9141% | 5,526 |
| Cost of funding earning assets | 0.1082% | 5,623 |
| Net interest margin | 2.8060% | 5,228 |
| Noninterest income to average assets | 0.5334% | 2,748 |
| Noninterest expense to average assets | 2.3605% | 4,228 |
| Loan and lease loss provision to assets | 0.0552% | 2,702 |
| Net operating income to assets | 0.6622% | 3,870 |
| Return on assets (ROA) | 0.6622% | 3,911 |
| Pretax return on assets | 0.8216% | 4,028 |
| Return on Equity (ROE) | 7.2599% | 3,288 |
| Retained earnings to average equity (ytd only) | 7.2599% | 1,763 |
| Net charge-offs to loans | 0.2329% | 773 |
| Credit loss provision to net charge-offs | 56.2500% | 1,937 |
| Earnings coverage of net charge-offs (x) | 8.9375% | 2,026 |
| Efficiency ratio | 72.9167% | 2,420 |
| Assets per employee ($millions) | 5.9510% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8168% | 5,020 |
| Loan loss allowance to noncurrent loans | 104.6948% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.2924% | 1,315 |
| Noncurrent loans to loans | 0.7802% | 2,511 |
| Net loans and leases to total assets | 41.3666% | 5,192 |
| Net loans and leases to deposits | 45.5829% | 5,313 |
| Net loans and leases to core deposits | 48.1507% | 5,292 |
| Total domestic deposits to total assets | 90.7502% | 378 |
| Equity capital to assets | 9.1734% | 4,641 |
| Core capital (leverage) ratio | 9.3029% | 4,341 |
| Tier 1 risk-based capital ratio | 20.4991% | 1,298 |
| Total risk-based capital ratio | 21.2637% | 1,354 |
| Memoranda: | ||
| Average total assets | $65,241,000 | 5,000 |
| Average earning assets | $62,866,000 | 4,941 |
| Average equity | $5,950,500 | 5,247 |
| Average total loans | $27,477,000 | 5,231 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8596% | 5,608 |
| Cost of funding earning assets | 0.0971% | 5,718 |
| Net interest margin | 2.7625% | 5,339 |
| Noninterest income to average assets | 0.4326% | 3,658 |
| Noninterest expense to average assets | 2.5003% | 4,012 |
| Loan and lease loss provision to assets | 0.1775% | 1,359 |
| Net operating income to assets | 0.3930% | 4,966 |
| Return on assets (ROA) | 0.3930% | 5,047 |
| Pretax return on assets | 0.4151% | 5,197 |
| Return on Equity (ROE) | 4.3012% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.3012% | 2,843 |
| Net charge-offs to loans | 0.4672% | 538 |
| Credit loss provision to net charge-offs | 96.5517% | 2,669 |
| Earnings coverage of net charge-offs (x) | 3.2241% | 3,707 |
| Efficiency ratio | 80.8402% | 1,324 |
| Assets per employee ($millions) | 5.9110% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8318% | 5,013 |
| Loan loss allowance to noncurrent loans | 58.2278% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 1.9578% | 712 |
| Noncurrent loans to loans | 1.4285% | 1,422 |
| Net loans and leases to total assets | 42.1741% | 5,225 |
| Net loans and leases to deposits | 46.4386% | 5,353 |
| Net loans and leases to core deposits | 49.2007% | 5,326 |
| Total domestic deposits to total assets | 90.8168% | 337 |
| Equity capital to assets | 9.0678% | 4,746 |
| Core capital (leverage) ratio | 9.1120% | 4,600 |
| Tier 1 risk-based capital ratio | 19.8981% | 1,396 |
| Total risk-based capital ratio | 20.6743% | 1,455 |
| Memoranda: | ||
| Average total assets | $63,111,800 | 5,072 |
| Average earning assets | $60,777,200 | 5,001 |
| Average equity | $5,765,800 | 5,318 |
| Average total loans | $24,829,000 | 5,358 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8412% | 5,699 |
| Cost of funding earning assets | 0.0950% | 5,793 |
| Net interest margin | 2.7462% | 5,435 |
| Noninterest income to average assets | 0.3832% | 4,041 |
| Noninterest expense to average assets | 2.4459% | 4,143 |
| Loan and lease loss provision to assets | 0.2193% | 949 |
| Net operating income to assets | 0.3236% | 5,233 |
| Return on assets (ROA) | 0.3236% | 5,312 |
| Pretax return on assets | 0.3640% | 5,362 |
| Return on Equity (ROE) | 3.5348% | 5,071 |
| Retained earnings to average equity (ytd only) | 3.5348% | 3,781 |
| Net charge-offs to loans | 0.7185% | 259 |
| Credit loss provision to net charge-offs | 79.2308% | 2,675 |
| Earnings coverage of net charge-offs (x) | 2.1077% | 3,619 |
| Efficiency ratio | 80.7449% | 1,333 |
| Assets per employee ($millions) | 5.3493% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8236% | 5,120 |
| Loan loss allowance to noncurrent loans | 900.0000% | 643 |
| Noncurrent assets plus other real estate owned to assets | 1.3522% | 1,392 |
| Noncurrent loans to loans | 0.0915% | 4,981 |
| Net loans and leases to total assets | 38.8319% | 5,437 |
| Net loans and leases to deposits | 42.7762% | 5,559 |
| Net loans and leases to core deposits | 45.1094% | 5,547 |
| Total domestic deposits to total assets | 90.7792% | 248 |
| Equity capital to assets | 9.0354% | 5,143 |
| Core capital (leverage) ratio | 9.0933% | 4,720 |
| Tier 1 risk-based capital ratio | 20.8139% | 1,305 |
| Total risk-based capital ratio | 21.5567% | 1,357 |
| Memoranda: | ||
| Average total assets | $62,634,500 | 5,127 |
| Average earning assets | $60,348,000 | 5,053 |
| Average equity | $5,733,250 | 5,383 |
| Average total loans | $24,123,250 | 5,442 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8376% | 5,781 |
| Cost of funding earning assets | 0.0969% | 5,864 |
| Net interest margin | 2.7407% | 5,520 |
| Noninterest income to average assets | 0.4443% | 3,567 |
| Noninterest expense to average assets | 2.4760% | 4,099 |
| Loan and lease loss provision to assets | 0.2350% | 847 |
| Net operating income to assets | 0.3252% | 5,251 |
| Return on assets (ROA) | 0.3252% | 5,334 |
| Pretax return on assets | 0.3735% | 5,385 |
| Return on Equity (ROE) | 3.5370% | 5,081 |
| Retained earnings to average equity (ytd only) | 3.5370% | 3,641 |
| Net charge-offs to loans | 0.4204% | 543 |
| Credit loss provision to net charge-offs | 146.0000% | 1,625 |
| Earnings coverage of net charge-offs (x) | 3.7800% | 3,060 |
| Efficiency ratio | 80.2714% | 1,466 |
| Assets per employee ($millions) | 5.6331% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 4,085 |
| Loan loss allowance to noncurrent loans | 39.9068% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 2.2933% | 650 |
| Noncurrent loans to loans | 2.6928% | 606 |
| Net loans and leases to total assets | 38.1818% | 5,506 |
| Net loans and leases to deposits | 42.1549% | 5,613 |
| Net loans and leases to core deposits | 44.0766% | 5,626 |
| Total domestic deposits to total assets | 90.5752% | 295 |
| Equity capital to assets | 9.2796% | 4,993 |
| Core capital (leverage) ratio | 9.1499% | 4,663 |
| Tier 1 risk-based capital ratio | 21.5719% | 1,188 |
| Total risk-based capital ratio | 22.5361% | 1,209 |
| Memoranda: | ||
| Average total assets | $62,115,330 | 5,201 |
| Average earning assets | $59,839,000 | 5,114 |
| Average equity | $5,711,000 | 5,443 |
| Average total loans | $23,786,330 | 5,510 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8147% | 5,845 |
| Cost of funding earning assets | 0.1000% | 5,916 |
| Net interest margin | 2.7146% | 5,595 |
| Noninterest income to average assets | 0.5081% | 3,061 |
| Noninterest expense to average assets | 2.4505% | 4,223 |
| Loan and lease loss provision to assets | 0.0579% | 2,792 |
| Net operating income to assets | 0.5531% | 4,403 |
| Return on assets (ROA) | 0.5531% | 4,506 |
| Pretax return on assets | 0.6175% | 4,767 |
| Return on Equity (ROE) | 6.0441% | 3,966 |
| Retained earnings to average equity (ytd only) | 6.0441% | 2,353 |
| Net charge-offs to loans | 0.5059% | 435 |
| Credit loss provision to net charge-offs | 30.0000% | 2,226 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,534 |
| Efficiency ratio | 78.3951% | 1,841 |
| Assets per employee ($millions) | 5.6609% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8888% | 5,096 |
| Loan loss allowance to noncurrent loans | 3,550.0000% | 196 |
| Noncurrent assets plus other real estate owned to assets | 1.3618% | 1,556 |
| Noncurrent loans to loans | 0.0250% | 5,395 |
| Net loans and leases to total assets | 38.1436% | 5,551 |
| Net loans and leases to deposits | 42.0575% | 5,650 |
| Net loans and leases to core deposits | 43.9624% | 5,656 |
| Total domestic deposits to total assets | 90.6938% | 365 |
| Equity capital to assets | 9.2099% | 4,979 |
| Core capital (leverage) ratio | 9.3003% | 4,491 |
| Tier 1 risk-based capital ratio | 21.1405% | 1,297 |
| Total risk-based capital ratio | 21.9257% | 1,342 |
| Memoranda: | ||
| Average total assets | $62,191,000 | 5,240 |
| Average earning assets | $59,971,500 | 5,160 |
| Average equity | $5,691,500 | 5,477 |
| Average total loans | $23,721,500 | 5,561 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9683% | 5,754 |
| Cost of funding earning assets | 0.0832% | 6,023 |
| Net interest margin | 2.8851% | 5,359 |
| Noninterest income to average assets | 0.4582% | 3,603 |
| Noninterest expense to average assets | 2.5970% | 3,933 |
| Loan and lease loss provision to assets | -0.0262% | 5,678 |
| Net operating income to assets | 0.5811% | 4,379 |
| Return on assets (ROA) | 0.5826% | 4,463 |
| Pretax return on assets | 0.6709% | 4,614 |
| Return on Equity (ROE) | 6.2329% | 3,936 |
| Retained earnings to average equity (ytd only) | 0.6303% | 5,264 |
| Net charge-offs to loans | 0.1824% | 1,575 |
| Credit loss provision to net charge-offs | -37.2093% | 5,031 |
| Earnings coverage of net charge-offs (x) | 9.1395% | 2,856 |
| Efficiency ratio | 80.1515% | 1,654 |
| Assets per employee ($millions) | 5.1760% | 2,147 |
| Cash dividends to net income (ytd only)* | 89.8876% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 4,640 |
| Loan loss allowance to noncurrent loans | 65.5462% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 1.3717% | 1,529 |
| Noncurrent loans to loans | 1.5206% | 1,529 |
| Net loans and leases to total assets | 37.4227% | 5,647 |
| Net loans and leases to deposits | 41.2179% | 5,735 |
| Net loans and leases to core deposits | 43.0859% | 5,739 |
| Total domestic deposits to total assets | 90.7924% | 338 |
| Equity capital to assets | 9.0933% | 5,024 |
| Core capital (leverage) ratio | 9.1445% | 4,695 |
| Tier 1 risk-based capital ratio | 20.5203% | 1,380 |
| Total risk-based capital ratio | 21.3704% | 1,435 |
| Memoranda: | ||
| Average total assets | $61,108,200 | 5,293 |
| Average earning assets | $58,922,800 | 5,217 |
| Average equity | $5,711,600 | 5,502 |
| Average total loans | $23,568,800 | 5,603 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9934% | 5,815 |
| Cost of funding earning assets | 0.0842% | 6,109 |
| Net interest margin | 2.9093% | 5,395 |
| Noninterest income to average assets | 0.4513% | 3,703 |
| Noninterest expense to average assets | 2.6203% | 3,802 |
| Loan and lease loss provision to assets | -0.0548% | 5,924 |
| Net operating income to assets | 0.6792% | 3,997 |
| Return on assets (ROA) | 0.6814% | 4,099 |
| Pretax return on assets | 0.6901% | 4,713 |
| Return on Equity (ROE) | 7.2398% | 3,504 |
| Retained earnings to average equity (ytd only) | 3.5151% | 3,963 |
| Net charge-offs to loans | 0.0565% | 2,793 |
| Credit loss provision to net charge-offs | -250.0000% | 5,223 |
| Earnings coverage of net charge-offs (x) | 28.9062% | 1,538 |
| Efficiency ratio | 80.5387% | 1,573 |
| Assets per employee ($millions) | 5.1076% | 2,167 |
| Cash dividends to net income (ytd only)* | 51.4470% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 4,125 |
| Loan loss allowance to noncurrent loans | 240.1869% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.9822% | 2,391 |
| Noncurrent loans to loans | 0.4654% | 3,960 |
| Net loans and leases to total assets | 37.0952% | 5,742 |
| Net loans and leases to deposits | 41.0027% | 5,835 |
| Net loans and leases to core deposits | 42.8941% | 5,827 |
| Total domestic deposits to total assets | 90.4701% | 395 |
| Equity capital to assets | 9.4027% | 4,878 |
| Core capital (leverage) ratio | 9.4536% | 4,360 |
| Tier 1 risk-based capital ratio | 21.8420% | 1,219 |
| Total risk-based capital ratio | 22.8160% | 1,237 |
| Memoranda: | ||
| Average total assets | $60,857,250 | 5,369 |
| Average earning assets | $58,615,500 | 5,286 |
| Average equity | $5,727,500 | 5,569 |
| Average total loans | $23,591,500 | 5,671 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0234% | 5,838 |
| Cost of funding earning assets | 0.0754% | 6,207 |
| Net interest margin | 2.9480% | 5,341 |
| Noninterest income to average assets | 0.6028% | 2,722 |
| Noninterest expense to average assets | 2.7144% | 3,545 |
| Loan and lease loss provision to assets | 0.0395% | 3,327 |
| Net operating income to assets | 0.6721% | 4,022 |
| Return on assets (ROA) | 0.6753% | 4,113 |
| Pretax return on assets | 0.6852% | 4,708 |
| Return on Equity (ROE) | 7.1733% | 3,509 |
| Retained earnings to average equity (ytd only) | 7.1733% | 1,629 |
| Net charge-offs to loans | 0.4960% | 501 |
| Credit loss provision to net charge-offs | 20.3390% | 3,017 |
| Earnings coverage of net charge-offs (x) | 3.7119% | 3,149 |
| Efficiency ratio | 79.0029% | 1,912 |
| Assets per employee ($millions) | 4.9618% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 4,680 |
| Loan loss allowance to noncurrent loans | 768.7500% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.8851% | 2,774 |
| Noncurrent loans to loans | 0.1348% | 5,206 |
| Net loans and leases to total assets | 39.4612% | 5,660 |
| Net loans and leases to deposits | 43.7738% | 5,778 |
| Net loans and leases to core deposits | 45.8620% | 5,773 |
| Total domestic deposits to total assets | 90.1481% | 599 |
| Equity capital to assets | 9.7729% | 4,313 |
| Core capital (leverage) ratio | 9.5857% | 4,152 |
| Tier 1 risk-based capital ratio | 20.8888% | 1,386 |
| Total risk-based capital ratio | 21.7719% | 1,423 |
| Memoranda: | ||
| Average total assets | $60,712,670 | 5,428 |
| Average earning assets | $58,344,000 | 5,359 |
| Average equity | $5,715,670 | 5,625 |
| Average total loans | $23,791,000 | 5,720 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0049% | 5,888 |
| Cost of funding earning assets | 0.0750% | 6,283 |
| Net interest margin | 2.9300% | 5,384 |
| Noninterest income to average assets | 0.4307% | 3,762 |
| Noninterest expense to average assets | 2.4927% | 4,284 |
| Loan and lease loss provision to assets | 0.0587% | 2,757 |
| Net operating income to assets | 0.6787% | 3,898 |
| Return on assets (ROA) | 0.6787% | 4,024 |
| Pretax return on assets | 0.6852% | 4,633 |
| Return on Equity (ROE) | 7.3446% | 3,303 |
| Retained earnings to average equity (ytd only) | 7.3446% | 1,835 |
| Net charge-offs to loans | 0.0504% | 2,282 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,005 |
| Efficiency ratio | 77.0161% | 2,338 |
| Assets per employee ($millions) | 5.0563% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 3,721 |
| Loan loss allowance to noncurrent loans | 996.6667% | 538 |
| Noncurrent assets plus other real estate owned to assets | 1.1652% | 2,300 |
| Noncurrent loans to loans | 0.1248% | 5,326 |
| Net loans and leases to total assets | 39.1143% | 5,656 |
| Net loans and leases to deposits | 43.2264% | 5,788 |
| Net loans and leases to core deposits | 44.7995% | 5,809 |
| Total domestic deposits to total assets | 90.4872% | 532 |
| Equity capital to assets | 9.4205% | 4,840 |
| Core capital (leverage) ratio | 8.9707% | 4,984 |
| Tier 1 risk-based capital ratio | 20.8273% | 1,456 |
| Total risk-based capital ratio | 21.9395% | 1,451 |
| Memoranda: | ||
| Average total assets | $61,298,000 | 5,470 |
| Average earning assets | $58,703,500 | 5,395 |
| Average equity | $5,664,000 | 5,687 |
| Average total loans | $23,815,500 | 5,761 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0797% | 5,985 |
| Cost of funding earning assets | 0.0854% | 6,363 |
| Net interest margin | 2.9944% | 5,460 |
| Noninterest income to average assets | 0.5638% | 3,101 |
| Noninterest expense to average assets | 2.5236% | 4,471 |
| Loan and lease loss provision to assets | 0.0608% | 3,308 |
| Net operating income to assets | 0.9149% | 2,808 |
| Return on assets (ROA) | 0.9149% | 2,897 |
| Pretax return on assets | 0.8221% | 4,182 |
| Return on Equity (ROE) | 9.7979% | 2,201 |
| Retained earnings to average equity (ytd only) | 4.0132% | 3,353 |
| Net charge-offs to loans | 0.0186% | 4,482 |
| Credit loss provision to net charge-offs | 900.0000% | 301 |
| Earnings coverage of net charge-offs (x) | 130.7500% | 410 |
| Efficiency ratio | 74.0833% | 2,819 |
| Assets per employee ($millions) | 5.1600% | 2,114 |
| Cash dividends to net income (ytd only)* | 59.0406% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 3,760 |
| Loan loss allowance to noncurrent loans | 1,220.8333% | 507 |
| Noncurrent assets plus other real estate owned to assets | 1.1321% | 2,494 |
| Noncurrent loans to loans | 0.1017% | 5,489 |
| Net loans and leases to total assets | 37.6389% | 5,873 |
| Net loans and leases to deposits | 41.4520% | 5,989 |
| Net loans and leases to core deposits | 42.9240% | 5,997 |
| Total domestic deposits to total assets | 90.8010% | 427 |
| Equity capital to assets | 9.0633% | 5,222 |
| Core capital (leverage) ratio | 8.7809% | 5,258 |
| Tier 1 risk-based capital ratio | 19.0580% | 1,832 |
| Total risk-based capital ratio | 20.0742% | 1,861 |
| Memoranda: | ||
| Average total assets | $59,241,000 | 5,566 |
| Average earning assets | $56,238,400 | 5,514 |
| Average equity | $5,531,800 | 5,735 |
| Average total loans | $21,528,000 | 5,902 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0040% | 6,138 |
| Cost of funding earning assets | 0.0888% | 6,444 |
| Net interest margin | 2.9152% | 5,671 |
| Noninterest income to average assets | 0.5919% | 2,917 |
| Noninterest expense to average assets | 2.5291% | 4,435 |
| Loan and lease loss provision to assets | 0.0615% | 3,129 |
| Net operating income to assets | 0.7558% | 3,640 |
| Return on assets (ROA) | 0.7558% | 3,734 |
| Pretax return on assets | 0.7672% | 4,476 |
| Return on Equity (ROE) | 8.0312% | 3,185 |
| Retained earnings to average equity (ytd only) | 4.1607% | 3,693 |
| Net charge-offs to loans | 0.0190% | 4,150 |
| Credit loss provision to net charge-offs | 900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 121.3300% | 490 |
| Efficiency ratio | 75.3220% | 2,614 |
| Assets per employee ($millions) | 5.0344% | 2,199 |
| Cash dividends to net income (ytd only)* | 48.1927% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 3,819 |
| Loan loss allowance to noncurrent loans | 186.2745% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 1.3739% | 2,250 |
| Noncurrent loans to loans | 0.6813% | 3,903 |
| Net loans and leases to total assets | 36.6991% | 6,003 |
| Net loans and leases to deposits | 40.4883% | 6,105 |
| Net loans and leases to core deposits | 41.9651% | 6,118 |
| Total domestic deposits to total assets | 90.6411% | 474 |
| Equity capital to assets | 9.2083% | 5,138 |
| Core capital (leverage) ratio | 8.9587% | 5,121 |
| Tier 1 risk-based capital ratio | 19.4967% | 1,782 |
| Total risk-based capital ratio | 20.5068% | 1,810 |
| Memoranda: | ||
| Average total assets | $58,571,250 | 5,647 |
| Average earning assets | $55,568,750 | 5,595 |
| Average equity | $5,511,750 | 5,798 |
| Average total loans | $21,010,250 | 5,979 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9878% | 6,190 |
| Cost of funding earning assets | 0.0911% | 6,506 |
| Net interest margin | 2.8967% | 5,742 |
| Noninterest income to average assets | 0.6073% | 2,781 |
| Noninterest expense to average assets | 2.5467% | 4,432 |
| Loan and lease loss provision to assets | 0.0621% | 3,027 |
| Net operating income to assets | 0.7316% | 3,669 |
| Return on assets (ROA) | 0.7316% | 3,762 |
| Pretax return on assets | 0.7419% | 4,489 |
| Return on Equity (ROE) | 7.7166% | 3,250 |
| Retained earnings to average equity (ytd only) | 7.7166% | 1,425 |
| Net charge-offs to loans | 0.0292% | 3,610 |
| Credit loss provision to net charge-offs | 600.0000% | 498 |
| Earnings coverage of net charge-offs (x) | 77.6667% | 682 |
| Efficiency ratio | 76.0041% | 2,631 |
| Assets per employee ($millions) | 5.0040% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3252% | 3,727 |
| Loan loss allowance to noncurrent loans | 142.2680% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 1.4505% | 2,246 |
| Noncurrent loans to loans | 0.9315% | 3,385 |
| Net loans and leases to total assets | 34.2243% | 6,138 |
| Net loans and leases to deposits | 37.7984% | 6,233 |
| Net loans and leases to core deposits | 39.1866% | 6,237 |
| Total domestic deposits to total assets | 90.5442% | 566 |
| Equity capital to assets | 9.3292% | 4,951 |
| Core capital (leverage) ratio | 9.2655% | 4,642 |
| Tier 1 risk-based capital ratio | 20.0674% | 1,669 |
| Total risk-based capital ratio | 21.0671% | 1,698 |
| Memoranda: | ||
| Average total assets | $57,957,330 | 5,714 |
| Average earning assets | $54,889,670 | 5,667 |
| Average equity | $5,494,670 | 5,835 |
| Average total loans | $20,528,330 | 6,056 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0498% | 6,183 |
| Cost of funding earning assets | 0.0965% | 6,572 |
| Net interest margin | 2.9533% | 5,640 |
| Noninterest income to average assets | 0.6115% | 2,667 |
| Noninterest expense to average assets | 2.6146% | 4,224 |
| Loan and lease loss provision to assets | 0.0633% | 2,856 |
| Net operating income to assets | 0.7169% | 3,591 |
| Return on assets (ROA) | 0.7169% | 3,678 |
| Pretax return on assets | 0.7310% | 4,382 |
| Return on Equity (ROE) | 7.4986% | 3,205 |
| Retained earnings to average equity (ytd only) | 7.4986% | 1,822 |
| Net charge-offs to loans | 0.0393% | 2,834 |
| Credit loss provision to net charge-offs | 450.0000% | 595 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 688 |
| Efficiency ratio | 76.7010% | 2,690 |
| Assets per employee ($millions) | 4.8103% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 4,116 |
| Loan loss allowance to noncurrent loans | 101.9084% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.6267% | 2,169 |
| Noncurrent loans to loans | 1.2769% | 2,896 |
| Net loans and leases to total assets | 35.0842% | 6,121 |
| Net loans and leases to deposits | 38.8081% | 6,213 |
| Net loans and leases to core deposits | 40.2905% | 6,220 |
| Total domestic deposits to total assets | 90.4043% | 856 |
| Equity capital to assets | 9.5142% | 4,483 |
| Core capital (leverage) ratio | 9.4880% | 4,301 |
| Tier 1 risk-based capital ratio | 19.2581% | 1,888 |
| Total risk-based capital ratio | 20.2050% | 1,944 |
| Memoranda: | ||
| Average total assets | $56,912,000 | 5,793 |
| Average earning assets | $53,905,000 | 5,738 |
| Average equity | $5,441,000 | 5,887 |
| Average total loans | $20,379,000 | 6,124 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0883% | 6,256 |
| Cost of funding earning assets | 0.0834% | 6,702 |
| Net interest margin | 3.0049% | 5,569 |
| Noninterest income to average assets | 0.5755% | 3,246 |
| Noninterest expense to average assets | 2.6777% | 4,179 |
| Loan and lease loss provision to assets | 0.0647% | 3,837 |
| Net operating income to assets | 0.6888% | 3,848 |
| Return on assets (ROA) | 0.6888% | 3,944 |
| Pretax return on assets | 0.6852% | 4,596 |
| Return on Equity (ROE) | 7.2626% | 3,427 |
| Retained earnings to average equity (ytd only) | 4.2286% | 3,167 |
| Net charge-offs to loans | 0.0052% | 5,364 |
| Credit loss provision to net charge-offs | 3,600.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 417.0000% | 103 |
| Efficiency ratio | 78.1217% | 2,450 |
| Assets per employee ($millions) | 4.6750% | 2,621 |
| Cash dividends to net income (ytd only)* | 41.7755% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 4,190 |
| Loan loss allowance to noncurrent loans | 108.2988% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.6364% | 2,261 |
| Noncurrent loans to loans | 1.1908% | 3,158 |
| Net loans and leases to total assets | 35.6114% | 6,220 |
| Net loans and leases to deposits | 39.4502% | 6,320 |
| Net loans and leases to core deposits | 41.2155% | 6,328 |
| Total domestic deposits to total assets | 90.2692% | 934 |
| Equity capital to assets | 9.6078% | 4,278 |
| Core capital (leverage) ratio | 9.4609% | 4,321 |
| Tier 1 risk-based capital ratio | 20.3522% | 1,575 |
| Total risk-based capital ratio | 21.3492% | 1,601 |
| Memoranda: | ||
| Average total assets | $55,607,000 | 5,887 |
| Average earning assets | $52,779,800 | 5,810 |
| Average equity | $5,273,600 | 6,000 |
| Average total loans | $19,146,800 | 6,244 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0840% | 6,335 |
| Cost of funding earning assets | 0.0809% | 6,794 |
| Net interest margin | 3.0031% | 5,591 |
| Noninterest income to average assets | 0.5815% | 3,263 |
| Noninterest expense to average assets | 2.6914% | 4,048 |
| Loan and lease loss provision to assets | 0.0649% | 3,759 |
| Net operating income to assets | 0.6681% | 4,025 |
| Return on assets (ROA) | 0.6681% | 4,163 |
| Pretax return on assets | 0.6801% | 4,750 |
| Return on Equity (ROE) | 7.0676% | 3,607 |
| Retained earnings to average equity (ytd only) | 2.9999% | 4,529 |
| Net charge-offs to loans | -0.0141% | 5,966 |
| Credit loss provision to net charge-offs | -1,350.0000% | 6,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3217% | 2,370 |
| Assets per employee ($millions) | 4.2951% | 3,238 |
| Cash dividends to net income (ytd only)* | 57.5541% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 4,496 |
| Loan loss allowance to noncurrent loans | 108.0508% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.6351% | 2,511 |
| Noncurrent loans to loans | 1.1852% | 3,447 |
| Net loans and leases to total assets | 35.2049% | 6,317 |
| Net loans and leases to deposits | 38.9564% | 6,416 |
| Net loans and leases to core deposits | 40.4066% | 6,434 |
| Total domestic deposits to total assets | 90.3700% | 808 |
| Equity capital to assets | 9.4670% | 4,593 |
| Core capital (leverage) ratio | 9.3302% | 4,650 |
| Tier 1 risk-based capital ratio | 19.8844% | 1,759 |
| Total risk-based capital ratio | 20.8543% | 1,800 |
| Memoranda: | ||
| Average total assets | $55,483,750 | 5,952 |
| Average earning assets | $52,744,000 | 5,875 |
| Average equity | $5,244,500 | 6,077 |
| Average total loans | $18,873,750 | 6,323 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9299% | 6,510 |
| Cost of funding earning assets | 0.0758% | 6,858 |
| Net interest margin | 2.8541% | 5,886 |
| Noninterest income to average assets | 0.5671% | 3,403 |
| Noninterest expense to average assets | 2.7345% | 3,909 |
| Loan and lease loss provision to assets | 0.0650% | 3,726 |
| Net operating income to assets | 0.4768% | 4,893 |
| Return on assets (ROA) | 0.4768% | 5,076 |
| Pretax return on assets | 0.4877% | 5,413 |
| Return on Equity (ROE) | 5.0472% | 4,707 |
| Retained earnings to average equity (ytd only) | 5.0472% | 3,026 |
| Net charge-offs to loans | -0.0108% | 5,783 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1868% | 1,733 |
| Assets per employee ($millions) | 4.1889% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 4,504 |
| Loan loss allowance to noncurrent loans | 29.4471% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 2.7710% | 1,497 |
| Noncurrent loans to loans | 4.4197% | 801 |
| Net loans and leases to total assets | 34.1193% | 6,408 |
| Net loans and leases to deposits | 37.8481% | 6,493 |
| Net loans and leases to core deposits | 39.2978% | 6,496 |
| Total domestic deposits to total assets | 90.1480% | 949 |
| Equity capital to assets | 9.7308% | 4,258 |
| Core capital (leverage) ratio | 9.5764% | 4,111 |
| Tier 1 risk-based capital ratio | 20.7081% | 1,568 |
| Total risk-based capital ratio | 21.6656% | 1,603 |
| Memoranda: | ||
| Average total assets | $55,366,330 | 5,984 |
| Average earning assets | $52,765,670 | 5,910 |
| Average equity | $5,230,670 | 6,119 |
| Average total loans | $18,527,670 | 6,375 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9068% | 6,603 |
| Cost of funding earning assets | 0.0824% | 6,933 |
| Net interest margin | 2.8244% | 5,985 |
| Noninterest income to average assets | 0.5446% | 3,479 |
| Noninterest expense to average assets | 2.7588% | 3,834 |
| Loan and lease loss provision to assets | 0.0645% | 3,550 |
| Net operating income to assets | 0.4084% | 5,094 |
| Return on assets (ROA) | 0.4084% | 5,243 |
| Pretax return on assets | 0.4228% | 5,491 |
| Return on Equity (ROE) | 4.3876% | 4,904 |
| Retained earnings to average equity (ytd only) | 4.3876% | 3,603 |
| Net charge-offs to loans | -0.0218% | 5,753 |
| Credit loss provision to net charge-offs | -900.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9890% | 1,641 |
| Assets per employee ($millions) | 3.9532% | 4,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 4,799 |
| Loan loss allowance to noncurrent loans | 30.3342% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 2.6290% | 1,732 |
| Noncurrent loans to loans | 4.2179% | 1,037 |
| Net loans and leases to total assets | 32.9009% | 6,472 |
| Net loans and leases to deposits | 36.3518% | 6,560 |
| Net loans and leases to core deposits | 37.7131% | 6,571 |
| Total domestic deposits to total assets | 90.5068% | 764 |
| Equity capital to assets | 9.4408% | 4,938 |
| Core capital (leverage) ratio | 9.5029% | 4,071 |
| Tier 1 risk-based capital ratio | 20.1287% | 1,734 |
| Total risk-based capital ratio | 21.0378% | 1,797 |
| Memoranda: | ||
| Average total assets | $55,821,500 | 6,027 |
| Average earning assets | $53,391,500 | 5,926 |
| Average equity | $5,196,500 | 6,187 |
| Average total loans | $18,379,000 | 6,437 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0593% | 6,743 |
| Cost of funding earning assets | 0.1115% | 6,982 |
| Net interest margin | 2.9478% | 6,139 |
| Noninterest income to average assets | 0.4659% | 4,134 |
| Noninterest expense to average assets | 2.7200% | 4,335 |
| Loan and lease loss provision to assets | 0.0110% | 5,778 |
| Net operating income to assets | 0.5819% | 4,319 |
| Return on assets (ROA) | 0.5819% | 4,582 |
| Pretax return on assets | 0.5580% | 5,110 |
| Return on Equity (ROE) | 6.3008% | 4,017 |
| Retained earnings to average equity (ytd only) | 6.3008% | 1,921 |
| Net charge-offs to loans | 0.0397% | 5,362 |
| Credit loss provision to net charge-offs | 85.7143% | 3,639 |
| Earnings coverage of net charge-offs (x) | 44.1429% | 736 |
| Efficiency ratio | 82.6988% | 1,787 |
| Assets per employee ($millions) | 4.3306% | 3,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 4,984 |
| Loan loss allowance to noncurrent loans | 25.9516% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 2.7425% | 1,757 |
| Noncurrent loans to loans | 4.7343% | 873 |
| Net loans and leases to total assets | 32.1290% | 6,620 |
| Net loans and leases to deposits | 35.4201% | 6,698 |
| Net loans and leases to core deposits | 36.7194% | 6,708 |
| Total domestic deposits to total assets | 90.7084% | 611 |
| Equity capital to assets | 9.1797% | 5,293 |
| Core capital (leverage) ratio | 9.3456% | 4,341 |
| Tier 1 risk-based capital ratio | 19.1991% | 1,901 |
| Total risk-based capital ratio | 20.0443% | 1,977 |
| Memoranda: | ||
| Average total assets | $54,301,600 | 6,072 |
| Average earning assets | $52,005,000 | 5,982 |
| Average equity | $5,015,200 | 6,283 |
| Average total loans | $17,619,000 | 6,527 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0941% | 6,853 |
| Cost of funding earning assets | 0.1192% | 7,090 |
| Net interest margin | 2.9749% | 6,221 |
| Noninterest income to average assets | 0.5774% | 3,427 |
| Noninterest expense to average assets | 2.7359% | 4,234 |
| Loan and lease loss provision to assets | 0.0669% | 4,851 |
| Net operating income to assets | 0.6121% | 4,339 |
| Return on assets (ROA) | 0.6121% | 4,594 |
| Pretax return on assets | 0.6195% | 5,108 |
| Return on Equity (ROE) | 6.6170% | 4,007 |
| Retained earnings to average equity (ytd only) | 6.6170% | 2,322 |
| Net charge-offs to loans | 0.0535% | 4,902 |
| Credit loss provision to net charge-offs | 385.7143% | 701 |
| Earnings coverage of net charge-offs (x) | 39.5841% | 885 |
| Efficiency ratio | 79.9421% | 2,102 |
| Assets per employee ($millions) | 4.1649% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 4,458 |
| Loan loss allowance to noncurrent loans | 27.0033% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 3.0253% | 1,725 |
| Noncurrent loans to loans | 5.1140% | 877 |
| Net loans and leases to total assets | 32.4468% | 6,730 |
| Net loans and leases to deposits | 35.8589% | 6,819 |
| Net loans and leases to core deposits | 37.2322% | 6,830 |
| Total domestic deposits to total assets | 90.4846% | 604 |
| Equity capital to assets | 9.4156% | 5,310 |
| Core capital (leverage) ratio | 9.2500% | 4,677 |
| Tier 1 risk-based capital ratio | 20.5464% | 1,628 |
| Total risk-based capital ratio | 21.5465% | 1,657 |
| Memoranda: | ||
| Average total assets | $53,802,500 | 6,164 |
| Average earning assets | $51,451,000 | 6,071 |
| Average equity | $4,977,000 | 6,368 |
| Average total loans | $17,445,500 | 6,619 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1675% | 6,896 |
| Cost of funding earning assets | 0.1326% | 7,148 |
| Net interest margin | 3.0348% | 6,165 |
| Noninterest income to average assets | 0.5662% | 3,482 |
| Noninterest expense to average assets | 2.7715% | 4,126 |
| Loan and lease loss provision to assets | 0.0671% | 4,793 |
| Net operating income to assets | 0.6221% | 4,268 |
| Return on assets (ROA) | 0.6221% | 4,518 |
| Pretax return on assets | 0.6258% | 5,048 |
| Return on Equity (ROE) | 6.7657% | 3,907 |
| Retained earnings to average equity (ytd only) | 6.7657% | 2,240 |
| Net charge-offs to loans | 0.0924% | 4,231 |
| Credit loss provision to net charge-offs | 225.0000% | 1,262 |
| Earnings coverage of net charge-offs (x) | 23.2500% | 1,257 |
| Efficiency ratio | 80.0000% | 2,175 |
| Assets per employee ($millions) | 4.1503% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 4,545 |
| Loan loss allowance to noncurrent loans | 17.6602% | 6,582 |
| Noncurrent assets plus other real estate owned to assets | 3.1175% | 1,749 |
| Noncurrent loans to loans | 7.7946% | 451 |
| Net loans and leases to total assets | 31.4713% | 6,832 |
| Net loans and leases to deposits | 34.7417% | 6,903 |
| Net loans and leases to core deposits | 36.0747% | 6,913 |
| Total domestic deposits to total assets | 90.5864% | 621 |
| Equity capital to assets | 9.3024% | 5,311 |
| Core capital (leverage) ratio | 9.2188% | 4,581 |
| Tier 1 risk-based capital ratio | 21.1693% | 1,447 |
| Total risk-based capital ratio | 22.1778% | 1,466 |
| Memoranda: | ||
| Average total assets | $53,688,670 | 6,199 |
| Average earning assets | $51,271,330 | 6,113 |
| Average equity | $4,936,670 | 6,405 |
| Average total loans | $17,322,670 | 6,678 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2770% | 6,904 |
| Cost of funding earning assets | 0.1493% | 7,192 |
| Net interest margin | 3.1277% | 5,962 |
| Noninterest income to average assets | 0.5527% | 3,545 |
| Noninterest expense to average assets | 2.8083% | 3,996 |
| Loan and lease loss provision to assets | 0.0672% | 4,572 |
| Net operating income to assets | 0.6423% | 4,155 |
| Return on assets (ROA) | 0.6423% | 4,364 |
| Pretax return on assets | 0.6498% | 4,940 |
| Return on Equity (ROE) | 7.0269% | 3,771 |
| Retained earnings to average equity (ytd only) | 7.0269% | 2,427 |
| Net charge-offs to loans | 0.1611% | 3,125 |
| Credit loss provision to net charge-offs | 128.5714% | 1,885 |
| Earnings coverage of net charge-offs (x) | 13.7143% | 1,520 |
| Efficiency ratio | 79.6610% | 2,245 |
| Assets per employee ($millions) | 3.8201% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 4,937 |
| Loan loss allowance to noncurrent loans | 53.8824% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 1.4304% | 3,716 |
| Noncurrent loans to loans | 2.4459% | 2,666 |
| Net loans and leases to total assets | 32.0619% | 6,829 |
| Net loans and leases to deposits | 35.3670% | 6,909 |
| Net loans and leases to core deposits | 36.7331% | 6,918 |
| Total domestic deposits to total assets | 90.6546% | 711 |
| Equity capital to assets | 9.2332% | 5,182 |
| Core capital (leverage) ratio | 9.3627% | 4,258 |
| Tier 1 risk-based capital ratio | 20.3713% | 1,626 |
| Total risk-based capital ratio | 21.3245% | 1,666 |
| Memoranda: | ||
| Average total assets | $53,556,000 | 6,244 |
| Average earning assets | $50,900,500 | 6,161 |
| Average equity | $4,895,500 | 6,454 |
| Average total loans | $17,375,500 | 6,736 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1484% | 7,141 |
| Cost of funding earning assets | 0.2505% | 7,177 |
| Net interest margin | 2.8979% | 6,695 |
| Noninterest income to average assets | 0.6670% | 2,795 |
| Noninterest expense to average assets | 2.9508% | 3,765 |
| Loan and lease loss provision to assets | 0.0452% | 6,013 |
| Net operating income to assets | 0.3957% | 4,886 |
| Return on assets (ROA) | 0.3957% | 5,053 |
| Pretax return on assets | 0.3957% | 5,307 |
| Return on Equity (ROE) | 4.4482% | 4,651 |
| Retained earnings to average equity (ytd only) | 4.4482% | 3,008 |
| Net charge-offs to loans | 0.1410% | 5,017 |
| Credit loss provision to net charge-offs | 104.3478% | 3,293 |
| Earnings coverage of net charge-offs (x) | 10.1739% | 1,876 |
| Efficiency ratio | 87.0000% | 1,442 |
| Assets per employee ($millions) | 4.1255% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 4,870 |
| Loan loss allowance to noncurrent loans | 29.5189% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 2.0678% | 2,882 |
| Noncurrent loans to loans | 4.4259% | 1,357 |
| Net loans and leases to total assets | 31.9740% | 6,943 |
| Net loans and leases to deposits | 35.2043% | 7,020 |
| Net loans and leases to core deposits | 36.5598% | 7,026 |
| Total domestic deposits to total assets | 90.8243% | 575 |
| Equity capital to assets | 9.0489% | 5,495 |
| Core capital (leverage) ratio | 8.8394% | 5,037 |
| Tier 1 risk-based capital ratio | 19.8060% | 1,682 |
| Total risk-based capital ratio | 20.7390% | 1,730 |
| Memoranda: | ||
| Average total assets | $53,071,200 | 6,259 |
| Average earning assets | $49,899,000 | 6,196 |
| Average equity | $4,721,000 | 6,525 |
| Average total loans | $16,313,000 | 6,833 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1731% | 7,217 |
| Cost of funding earning assets | 0.2846% | 7,231 |
| Net interest margin | 2.8885% | 6,766 |
| Noninterest income to average assets | 0.6348% | 2,967 |
| Noninterest expense to average assets | 2.9849% | 3,606 |
| Loan and lease loss provision to assets | 0.0453% | 5,874 |
| Net operating income to assets | 0.3149% | 5,340 |
| Return on assets (ROA) | 0.3149% | 5,516 |
| Pretax return on assets | 0.3149% | 5,672 |
| Return on Equity (ROE) | 3.5550% | 5,199 |
| Retained earnings to average equity (ytd only) | 3.5550% | 4,213 |
| Net charge-offs to loans | 0.1080% | 4,923 |
| Credit loss provision to net charge-offs | 138.4615% | 2,302 |
| Earnings coverage of net charge-offs (x) | 11.0017% | 1,852 |
| Efficiency ratio | 89.2319% | 1,221 |
| Assets per employee ($millions) | 4.0534% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 4,621 |
| Loan loss allowance to noncurrent loans | 29.3520% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 2.1445% | 2,981 |
| Noncurrent loans to loans | 4.7262% | 1,359 |
| Net loans and leases to total assets | 31.1629% | 7,051 |
| Net loans and leases to deposits | 34.3076% | 7,121 |
| Net loans and leases to core deposits | 35.6513% | 7,128 |
| Total domestic deposits to total assets | 90.8339% | 498 |
| Equity capital to assets | 9.0466% | 5,695 |
| Core capital (leverage) ratio | 9.1590% | 4,694 |
| Tier 1 risk-based capital ratio | 20.7685% | 1,506 |
| Total risk-based capital ratio | 21.7793% | 1,527 |
| Memoranda: | ||
| Average total assets | $52,931,250 | 6,316 |
| Average earning assets | $49,667,000 | 6,259 |
| Average equity | $4,688,000 | 6,590 |
| Average total loans | $16,047,500 | 6,912 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1496% | 7,300 |
| Cost of funding earning assets | 0.3101% | 7,291 |
| Net interest margin | 2.8394% | 6,875 |
| Noninterest income to average assets | 0.6376% | 2,907 |
| Noninterest expense to average assets | 3.0371% | 3,496 |
| Loan and lease loss provision to assets | 0.0453% | 5,743 |
| Net operating income to assets | 0.2151% | 5,686 |
| Return on assets (ROA) | 0.2151% | 5,799 |
| Pretax return on assets | 0.2151% | 5,900 |
| Return on Equity (ROE) | 2.4455% | 5,624 |
| Retained earnings to average equity (ytd only) | 2.4455% | 4,729 |
| Net charge-offs to loans | 0.1515% | 4,278 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 5.7500% | 2,537 |
| Efficiency ratio | 92.1053% | 1,091 |
| Assets per employee ($millions) | 4.3166% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 4,686 |
| Loan loss allowance to noncurrent loans | 29.8684% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 2.1313% | 3,069 |
| Noncurrent loans to loans | 4.6159% | 1,432 |
| Net loans and leases to total assets | 31.3481% | 7,132 |
| Net loans and leases to deposits | 34.5196% | 7,201 |
| Net loans and leases to core deposits | 35.8946% | 7,222 |
| Total domestic deposits to total assets | 90.8126% | 581 |
| Equity capital to assets | 9.0697% | 5,483 |
| Core capital (leverage) ratio | 8.9407% | 4,822 |
| Tier 1 risk-based capital ratio | 20.6116% | 1,490 |
| Total risk-based capital ratio | 21.6075% | 1,511 |
| Memoranda: | ||
| Average total assets | $53,010,330 | 6,366 |
| Average earning assets | $49,657,670 | 6,308 |
| Average equity | $4,661,670 | 6,636 |
| Average total loans | $15,846,000 | 6,989 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1007% | 7,373 |
| Cost of funding earning assets | 0.3445% | 7,321 |
| Net interest margin | 2.7561% | 6,967 |
| Noninterest income to average assets | 0.6118% | 3,081 |
| Noninterest expense to average assets | 3.1110% | 3,202 |
| Loan and lease loss provision to assets | 0.0448% | 5,442 |
| Net operating income to assets | 0.0224% | 6,299 |
| Return on assets (ROA) | 0.0224% | 6,332 |
| Pretax return on assets | 0.0224% | 6,319 |
| Return on Equity (ROE) | 0.2584% | 6,322 |
| Retained earnings to average equity (ytd only) | 0.2584% | 5,706 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8873% | 838 |
| Assets per employee ($millions) | 3.7683% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 4,329 |
| Loan loss allowance to noncurrent loans | 28.3619% | 6,388 |
| Noncurrent assets plus other real estate owned to assets | 2.1950% | 3,071 |
| Noncurrent loans to loans | 5.1953% | 1,284 |
| Net loans and leases to total assets | 29.4052% | 7,248 |
| Net loans and leases to deposits | 32.2730% | 7,315 |
| Net loans and leases to core deposits | 33.3477% | 7,317 |
| Total domestic deposits to total assets | 91.1138% | 570 |
| Equity capital to assets | 8.8047% | 5,487 |
| Core capital (leverage) ratio | 8.7201% | 5,052 |
| Tier 1 risk-based capital ratio | 20.3496% | 1,514 |
| Total risk-based capital ratio | 21.3660% | 1,528 |
| Memoranda: | ||
| Average total assets | $53,616,000 | 6,388 |
| Average earning assets | $49,925,000 | 6,345 |
| Average equity | $4,643,500 | 6,669 |
| Average total loans | $15,536,500 | 7,057 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5895% | 7,353 |
| Cost of funding earning assets | 0.4841% | 7,317 |
| Net interest margin | 3.1054% | 6,510 |
| Noninterest income to average assets | 0.6040% | 3,453 |
| Noninterest expense to average assets | 2.9409% | 4,064 |
| Loan and lease loss provision to assets | 0.1119% | 6,036 |
| Net operating income to assets | 0.3859% | 4,610 |
| Return on assets (ROA) | 0.3859% | 4,752 |
| Pretax return on assets | 0.3859% | 4,991 |
| Return on Equity (ROE) | 4.4063% | 4,341 |
| Retained earnings to average equity (ytd only) | 4.4063% | 2,768 |
| Net charge-offs to loans | 0.1814% | 5,222 |
| Credit loss provision to net charge-offs | 207.1429% | 1,488 |
| Earnings coverage of net charge-offs (x) | 9.2143% | 1,850 |
| Efficiency ratio | 85.5219% | 1,744 |
| Assets per employee ($millions) | 3.6317% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4744% | 4,159 |
| Loan loss allowance to noncurrent loans | 37.5415% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 1.7292% | 3,705 |
| Noncurrent loans to loans | 3.9275% | 1,859 |
| Net loans and leases to total assets | 27.7223% | 7,412 |
| Net loans and leases to deposits | 30.3503% | 7,452 |
| Net loans and leases to core deposits | 31.7656% | 7,451 |
| Total domestic deposits to total assets | 91.3411% | 444 |
| Equity capital to assets | 8.5212% | 5,825 |
| Core capital (leverage) ratio | 8.4561% | 5,441 |
| Tier 1 risk-based capital ratio | 20.5854% | 1,386 |
| Total risk-based capital ratio | 21.5876% | 1,407 |
| Memoranda: | ||
| Average total assets | $51,820,200 | 6,472 |
| Average earning assets | $47,305,200 | 6,465 |
| Average equity | $4,539,000 | 6,801 |
| Average total loans | $15,436,800 | 7,146 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6526% | 7,474 |
| Cost of funding earning assets | 0.4973% | 7,449 |
| Net interest margin | 3.1553% | 6,468 |
| Noninterest income to average assets | 0.6229% | 3,294 |
| Noninterest expense to average assets | 3.0338% | 3,630 |
| Loan and lease loss provision to assets | 0.1459% | 5,576 |
| Net operating income to assets | 0.3206% | 5,084 |
| Return on assets (ROA) | 0.3206% | 5,249 |
| Pretax return on assets | 0.3206% | 5,449 |
| Return on Equity (ROE) | 3.6337% | 4,942 |
| Retained earnings to average equity (ytd only) | 3.6337% | 3,890 |
| Net charge-offs to loans | 0.3966% | 3,698 |
| Credit loss provision to net charge-offs | 121.7391% | 3,379 |
| Earnings coverage of net charge-offs (x) | 3.8914% | 3,266 |
| Efficiency ratio | 86.6716% | 1,561 |
| Assets per employee ($millions) | 3.5956% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 4,792 |
| Loan loss allowance to noncurrent loans | 35.3952% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 1.7095% | 3,884 |
| Noncurrent loans to loans | 3.7604% | 2,056 |
| Net loans and leases to total assets | 28.3142% | 7,505 |
| Net loans and leases to deposits | 30.9807% | 7,548 |
| Net loans and leases to core deposits | 32.8218% | 7,549 |
| Total domestic deposits to total assets | 91.3932% | 335 |
| Equity capital to assets | 8.4640% | 6,321 |
| Core capital (leverage) ratio | 8.5516% | 5,419 |
| Tier 1 risk-based capital ratio | 20.2844% | 1,486 |
| Total risk-based capital ratio | 21.1997% | 1,528 |
| Memoranda: | ||
| Average total assets | $51,156,250 | 6,567 |
| Average earning assets | $46,650,000 | 6,572 |
| Average equity | $4,513,250 | 6,901 |
| Average total loans | $15,464,000 | 7,237 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7636% | 7,504 |
| Cost of funding earning assets | 0.5033% | 7,542 |
| Net interest margin | 3.2603% | 6,133 |
| Noninterest income to average assets | 0.6291% | 3,133 |
| Noninterest expense to average assets | 3.0898% | 3,361 |
| Loan and lease loss provision to assets | 0.0478% | 6,486 |
| Net operating income to assets | 0.4579% | 4,514 |
| Return on assets (ROA) | 0.4579% | 4,674 |
| Pretax return on assets | 0.4579% | 5,036 |
| Return on Equity (ROE) | 5.1157% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.1157% | 2,842 |
| Net charge-offs to loans | 0.0776% | 5,365 |
| Credit loss provision to net charge-offs | 200.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | 21.1667% | 1,178 |
| Efficiency ratio | 85.9358% | 1,710 |
| Assets per employee ($millions) | 3.4477% | 5,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 4,854 |
| Loan loss allowance to noncurrent loans | 129.4872% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.9591% | 5,219 |
| Noncurrent loans to loans | 1.0119% | 5,286 |
| Net loans and leases to total assets | 29.4209% | 7,550 |
| Net loans and leases to deposits | 32.3160% | 7,606 |
| Net loans and leases to core deposits | 34.6394% | 7,592 |
| Total domestic deposits to total assets | 91.0413% | 469 |
| Equity capital to assets | 8.8118% | 5,730 |
| Core capital (leverage) ratio | 8.6807% | 5,111 |
| Tier 1 risk-based capital ratio | 20.8730% | 1,361 |
| Total risk-based capital ratio | 21.7983% | 1,389 |
| Memoranda: | ||
| Average total assets | $50,230,330 | 6,640 |
| Average earning assets | $45,700,670 | 6,646 |
| Average equity | $4,496,000 | 6,937 |
| Average total loans | $15,459,670 | 7,292 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8350% | 7,568 |
| Cost of funding earning assets | 0.5107% | 7,661 |
| Net interest margin | 3.3242% | 5,889 |
| Noninterest income to average assets | 0.6062% | 3,241 |
| Noninterest expense to average assets | 3.1765% | 2,947 |
| Loan and lease loss provision to assets | 0.0485% | 6,178 |
| Net operating income to assets | 0.3799% | 4,929 |
| Return on assets (ROA) | 0.3799% | 5,060 |
| Pretax return on assets | 0.3799% | 5,353 |
| Return on Equity (ROE) | 4.2101% | 4,797 |
| Retained earnings to average equity (ytd only) | 4.2101% | 3,622 |
| Net charge-offs to loans | 0.0517% | 4,889 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 955 |
| Efficiency ratio | 88.1166% | 1,575 |
| Assets per employee ($millions) | 3.3305% | 5,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 5,015 |
| Loan loss allowance to noncurrent loans | 183.4862% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.8988% | 5,364 |
| Noncurrent loans to loans | 0.7005% | 5,930 |
| Net loans and leases to total assets | 30.7484% | 7,601 |
| Net loans and leases to deposits | 33.8221% | 7,662 |
| Net loans and leases to core deposits | 35.8751% | 7,654 |
| Total domestic deposits to total assets | 90.9122% | 578 |
| Equity capital to assets | 8.9857% | 5,299 |
| Core capital (leverage) ratio | 9.1184% | 4,341 |
| Tier 1 risk-based capital ratio | 21.5021% | 1,269 |
| Total risk-based capital ratio | 22.4601% | 1,286 |
| Memoranda: | ||
| Average total assets | $49,488,000 | 6,748 |
| Average earning assets | $44,642,000 | 6,752 |
| Average equity | $4,465,500 | 7,014 |
| Average total loans | $15,481,000 | 7,381 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3054% | 7,557 |
| Cost of funding earning assets | 0.6831% | 7,703 |
| Net interest margin | 3.6223% | 4,466 |
| Noninterest income to average assets | 0.6212% | 3,479 |
| Noninterest expense to average assets | 3.3245% | 2,928 |
| Loan and lease loss provision to assets | 0.1226% | 6,413 |
| Net operating income to assets | 0.5354% | 3,588 |
| Return on assets (ROA) | 0.5354% | 3,679 |
| Pretax return on assets | 0.4679% | 4,296 |
| Return on Equity (ROE) | 6.0603% | 3,183 |
| Retained earnings to average equity (ytd only) | 4.2098% | 2,271 |
| Net charge-offs to loans | 0.1320% | 5,877 |
| Credit loss provision to net charge-offs | 285.7143% | 1,175 |
| Earnings coverage of net charge-offs (x) | 13.7619% | 1,407 |
| Efficiency ratio | 84.9165% | 2,245 |
| Assets per employee ($millions) | 3.2679% | 5,567 |
| Cash dividends to net income (ytd only)* | 30.5344% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 4,921 |
| Loan loss allowance to noncurrent loans | 311.1111% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 1.1955% | 4,712 |
| Noncurrent loans to loans | 0.4091% | 6,460 |
| Net loans and leases to total assets | 31.0186% | 7,690 |
| Net loans and leases to deposits | 34.1601% | 7,759 |
| Net loans and leases to core deposits | 38.8041% | 7,778 |
| Total domestic deposits to total assets | 90.8036% | 617 |
| Equity capital to assets | 9.0618% | 5,046 |
| Core capital (leverage) ratio | 9.0030% | 4,417 |
| Tier 1 risk-based capital ratio | 21.3127% | 1,246 |
| Total risk-based capital ratio | 22.2531% | 1,263 |
| Memoranda: | ||
| Average total assets | $48,939,200 | 6,752 |
| Average earning assets | $44,502,200 | 6,743 |
| Average equity | $4,323,200 | 7,166 |
| Average total loans | $15,906,600 | 7,409 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 7,621 |
| Cost of funding earning assets | 0.7337% | 7,777 |
| Net interest margin | 3.6563% | 4,248 |
| Noninterest income to average assets | 0.6132% | 3,596 |
| Noninterest expense to average assets | 3.3415% | 2,759 |
| Loan and lease loss provision to assets | 0.1363% | 5,995 |
| Net operating income to assets | 0.4443% | 4,219 |
| Return on assets (ROA) | 0.4443% | 4,324 |
| Pretax return on assets | 0.4633% | 4,632 |
| Return on Equity (ROE) | 5.0618% | 3,940 |
| Retained earnings to average equity (ytd only) | 2.5774% | 3,876 |
| Net charge-offs to loans | 0.1580% | 5,126 |
| Credit loss provision to net charge-offs | 263.1579% | 1,617 |
| Earnings coverage of net charge-offs (x) | 11.5803% | 1,839 |
| Efficiency ratio | 84.7856% | 2,210 |
| Assets per employee ($millions) | 2.8435% | 6,554 |
| Cash dividends to net income (ytd only)* | 49.0774% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 5,039 |
| Loan loss allowance to noncurrent loans | 41.4097% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 1.3198% | 4,447 |
| Noncurrent loans to loans | 2.9290% | 2,605 |
| Net loans and leases to total assets | 31.6763% | 7,762 |
| Net loans and leases to deposits | 34.9167% | 7,846 |
| Net loans and leases to core deposits | 39.6171% | 7,856 |
| Total domestic deposits to total assets | 90.7197% | 506 |
| Equity capital to assets | 8.9845% | 5,500 |
| Core capital (leverage) ratio | 9.0441% | 4,585 |
| Tier 1 risk-based capital ratio | 21.6382% | 1,268 |
| Total risk-based capital ratio | 22.5749% | 1,295 |
| Memoranda: | ||
| Average total assets | $48,919,250 | 6,810 |
| Average earning assets | $44,524,250 | 6,795 |
| Average equity | $4,293,500 | 7,250 |
| Average total loans | $16,033,000 | 7,467 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5174% | 7,613 |
| Cost of funding earning assets | 0.7901% | 7,831 |
| Net interest margin | 3.7273% | 3,848 |
| Noninterest income to average assets | 0.5823% | 3,817 |
| Noninterest expense to average assets | 3.3474% | 2,807 |
| Loan and lease loss provision to assets | 0.1629% | 5,436 |
| Net operating income to assets | 0.4439% | 4,315 |
| Return on assets (ROA) | 0.4439% | 4,423 |
| Pretax return on assets | 0.4724% | 4,711 |
| Return on Equity (ROE) | 5.0970% | 4,036 |
| Retained earnings to average equity (ytd only) | 1.3561% | 4,583 |
| Net charge-offs to loans | 0.1851% | 4,411 |
| Credit loss provision to net charge-offs | 266.6667% | 1,749 |
| Earnings coverage of net charge-offs (x) | 10.4000% | 1,997 |
| Efficiency ratio | 84.0491% | 2,466 |
| Assets per employee ($millions) | 2.8304% | 6,559 |
| Cash dividends to net income (ytd only)* | 73.3945% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 5,347 |
| Loan loss allowance to noncurrent loans | 16.6058% | 7,305 |
| Noncurrent assets plus other real estate owned to assets | 2.6560% | 2,417 |
| Noncurrent loans to loans | 6.8483% | 728 |
| Net loans and leases to total assets | 32.8823% | 7,812 |
| Net loans and leases to deposits | 36.2151% | 7,896 |
| Net loans and leases to core deposits | 41.4666% | 7,914 |
| Total domestic deposits to total assets | 90.7974% | 523 |
| Equity capital to assets | 8.9137% | 5,432 |
| Core capital (leverage) ratio | 8.7814% | 4,969 |
| Tier 1 risk-based capital ratio | 20.6769% | 1,451 |
| Total risk-based capital ratio | 21.5543% | 1,478 |
| Memoranda: | ||
| Average total assets | $49,112,670 | 6,867 |
| Average earning assets | $44,805,000 | 6,847 |
| Average equity | $4,277,000 | 7,315 |
| Average total loans | $16,210,670 | 7,526 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6793% | 7,537 |
| Cost of funding earning assets | 0.8768% | 7,836 |
| Net interest margin | 3.8025% | 3,432 |
| Noninterest income to average assets | 0.5886% | 3,637 |
| Noninterest expense to average assets | 3.1445% | 3,213 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8143% | 3,069 |
| Return on assets (ROA) | 0.8143% | 3,224 |
| Pretax return on assets | 0.8708% | 3,825 |
| Return on Equity (ROE) | 9.4591% | 2,549 |
| Retained earnings to average equity (ytd only) | 1.9668% | 4,761 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3133% | 3,115 |
| Assets per employee ($millions) | 2.8576% | 6,512 |
| Cash dividends to net income (ytd only)* | 79.2079% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9733% | 6,354 |
| Loan loss allowance to noncurrent loans | 17.5615% | 7,287 |
| Noncurrent assets plus other real estate owned to assets | 2.2149% | 2,580 |
| Noncurrent loans to loans | 5.5421% | 919 |
| Net loans and leases to total assets | 32.8825% | 7,836 |
| Net loans and leases to deposits | 36.1133% | 7,940 |
| Net loans and leases to core deposits | 41.0379% | 7,959 |
| Total domestic deposits to total assets | 91.0537% | 400 |
| Equity capital to assets | 8.8145% | 5,598 |
| Core capital (leverage) ratio | 8.7274% | 5,102 |
| Tier 1 risk-based capital ratio | 21.0056% | 1,451 |
| Total risk-based capital ratio | 21.7758% | 1,491 |
| Memoranda: | ||
| Average total assets | $49,610,500 | 6,886 |
| Average earning assets | $44,708,000 | 6,887 |
| Average equity | $4,271,000 | 7,358 |
| Average total loans | $16,314,000 | 7,564 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0226% | 7,822 |
| Cost of funding earning assets | 1.2391% | 7,901 |
| Net interest margin | 3.7836% | 4,088 |
| Noninterest income to average assets | 0.6006% | 3,841 |
| Noninterest expense to average assets | 3.2601% | 3,116 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7941% | 3,461 |
| Return on assets (ROA) | 0.7941% | 3,303 |
| Pretax return on assets | 0.8679% | 3,827 |
| Return on Equity (ROE) | 9.4366% | 2,462 |
| Retained earnings to average equity (ytd only) | 1.8494% | 4,079 |
| Net charge-offs to loans | 0.0777% | 5,650 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 33.4615% | 1,081 |
| Efficiency ratio | 78.9754% | 2,756 |
| Assets per employee ($millions) | 2.9789% | 6,105 |
| Cash dividends to net income (ytd only)* | 80.4020% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 6,390 |
| Loan loss allowance to noncurrent loans | 245.3125% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.4858% | 5,753 |
| Noncurrent loans to loans | 0.3879% | 6,181 |
| Net loans and leases to total assets | 32.2657% | 7,936 |
| Net loans and leases to deposits | 35.2992% | 8,038 |
| Net loans and leases to core deposits | 39.6294% | 8,060 |
| Total domestic deposits to total assets | 91.4063% | 219 |
| Equity capital to assets | 8.4120% | 6,232 |
| Core capital (leverage) ratio | 8.3182% | 5,918 |
| Tier 1 risk-based capital ratio | 20.1247% | 1,598 |
| Total risk-based capital ratio | 20.8664% | 1,637 |
| Memoranda: | ||
| Average total assets | $50,120,600 | 6,770 |
| Average earning assets | $46,728,400 | 6,724 |
| Average equity | $4,217,600 | 7,424 |
| Average total loans | $16,738,400 | 7,535 |