Home > Lakeside State Bank > Performance and Condition Ratios
Lakeside State Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4755% | 4,584 |
| Cost of funding earning assets | 0.2175% | 3,445 |
| Net interest margin | 2.2579% | 4,521 |
| Noninterest income to average assets | 1.4213% | 598 |
| Noninterest expense to average assets | 3.7738% | 350 |
| Loan and lease loss provision to assets | 0.1107% | 1,094 |
| Net operating income to assets | -0.5094% | 4,828 |
| Return on assets (ROA) | -0.5094% | 4,836 |
| Pretax return on assets | -0.5094% | 4,836 |
| Return on Equity (ROE) | -3.8874% | 4,831 |
| Retained earnings to average equity (ytd only) | -3.8874% | 4,764 |
| 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 | 111.8269% | 93 |
| Assets per employee ($millions) | 3.6025% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2963% | 4,816 |
| Loan loss allowance to noncurrent loans | 34.0000% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2523% | 2,512 |
| Noncurrent loans to loans | 0.8715% | 1,317 |
| Net loans and leases to total assets | 28.8685% | 4,619 |
| Net loans and leases to deposits | 33.1239% | 4,646 |
| Net loans and leases to core deposits | 34.0694% | 4,650 |
| Total domestic deposits to total assets | 87.1530% | 2,290 |
| Equity capital to assets | 12.7296% | 1,081 |
| Core capital (leverage) ratio | 7.0810% | 4,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3936% | 652 |
| Memoranda: | ||
| Average total assets | $82,178,750 | 4,238 |
| Average earning assets | $71,095,750 | 4,301 |
| Average equity | $10,769,500 | 4,112 |
| Average total loans | $25,456,750 | 4,523 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5150% | 4,603 |
| Cost of funding earning assets | 0.2367% | 3,411 |
| Net interest margin | 2.2783% | 4,537 |
| Noninterest income to average assets | 1.3782% | 623 |
| Noninterest expense to average assets | 3.6896% | 374 |
| Loan and lease loss provision to assets | 0.1082% | 1,164 |
| Net operating income to assets | -0.4522% | 4,864 |
| Return on assets (ROA) | -0.4522% | 4,865 |
| Pretax return on assets | -0.4522% | 4,862 |
| Return on Equity (ROE) | -3.4193% | 4,860 |
| Retained earnings to average equity (ytd only) | -3.4193% | 4,734 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2804% | 101 |
| Assets per employee ($millions) | 3.6296% | 4,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1974% | 4,875 |
| Loan loss allowance to noncurrent loans | 20.2703% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 2,602 |
| Noncurrent loans to loans | 0.9737% | 1,268 |
| Net loans and leases to total assets | 27.2580% | 4,723 |
| Net loans and leases to deposits | 31.5210% | 4,735 |
| Net loans and leases to core deposits | 32.3781% | 4,740 |
| Total domestic deposits to total assets | 86.4758% | 2,559 |
| Equity capital to assets | 13.4415% | 832 |
| Core capital (leverage) ratio | 8.0089% | 4,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,153,000 | 4,249 |
| Average earning assets | $71,809,333 | 4,319 |
| Average equity | $10,996,333 | 4,098 |
| Average total loans | $26,293,000 | 4,542 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7486% | 4,431 |
| Cost of funding earning assets | 0.2653% | 3,328 |
| Net interest margin | 2.4834% | 4,321 |
| Noninterest income to average assets | 1.5038% | 594 |
| Noninterest expense to average assets | 3.7258% | 356 |
| Loan and lease loss provision to assets | 0.1109% | 1,252 |
| Net operating income to assets | -0.2121% | 4,842 |
| Return on assets (ROA) | -0.2121% | 4,846 |
| Pretax return on assets | -0.2121% | 4,838 |
| Return on Equity (ROE) | -1.6171% | 4,849 |
| Retained earnings to average equity (ytd only) | -1.6171% | 4,516 |
| Net charge-offs to loans | 0.2140% | 386 |
| Credit loss provision to net charge-offs | 153.3333% | 975 |
| Earnings coverage of net charge-offs (x) | -1.4000% | 1,903 |
| Efficiency ratio | 102.7926% | 167 |
| Assets per employee ($millions) | 3.6163% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0309% | 4,927 |
| Loan loss allowance to noncurrent loans | 1.0855% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 0.8492% | 1,047 |
| Noncurrent loans to loans | 2.8426% | 288 |
| Net loans and leases to total assets | 29.8640% | 4,696 |
| Net loans and leases to deposits | 34.3854% | 4,718 |
| Net loans and leases to core deposits | 35.4637% | 4,732 |
| Total domestic deposits to total assets | 86.8510% | 2,368 |
| Equity capital to assets | 13.0845% | 889 |
| Core capital (leverage) ratio | 8.4527% | 4,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,989,500 | 4,268 |
| Average earning assets | $70,872,000 | 4,346 |
| Average equity | $10,884,000 | 4,121 |
| Average total loans | $28,039,500 | 4,531 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1332% | 4,994 |
| Cost of funding earning assets | 0.0093% | 4,977 |
| Net interest margin | 0.1239% | 4,993 |
| Noninterest income to average assets | 0.0333% | 4,891 |
| Noninterest expense to average assets | 0.0347% | 4,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1097% | 4,661 |
| Return on assets (ROA) | 0.1097% | 4,698 |
| Pretax return on assets | 0.1097% | 4,700 |
| Return on Equity (ROE) | 1.0722% | 4,674 |
| Retained earnings to average equity (ytd only) | 1.0722% | 4,199 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.0385% | 4,978 |
| Assets per employee ($millions) | 3.3068% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,951 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.7842% | 349 |
| Noncurrent loans to loans | 4.6332% | 104 |
| Net loans and leases to total assets | 37.9930% | 4,521 |
| Net loans and leases to deposits | 43.8702% | 4,534 |
| Net loans and leases to core deposits | 45.3775% | 4,558 |
| Total domestic deposits to total assets | 86.6032% | 2,111 |
| Equity capital to assets | 13.3376% | 986 |
| Core capital (leverage) ratio | 8.3181% | 4,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7116% | 1,104 |
| Memoranda: | ||
| Average total assets | $71,982,600 | 4,355 |
| Average earning assets | $64,570,400 | 4,381 |
| Average equity | $7,367,800 | 4,493 |
| Average total loans | $30,763,000 | 4,502 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9404% | 3,141 |
| Cost of funding earning assets | 0.4275% | 3,654 |
| Net interest margin | 3.5129% | 2,552 |
| Noninterest income to average assets | 1.1045% | 851 |
| Noninterest expense to average assets | 4.2126% | 320 |
| Loan and lease loss provision to assets | 0.1583% | 2,426 |
| Net operating income to assets | -0.0418% | 4,788 |
| Return on assets (ROA) | -0.0418% | 4,806 |
| Pretax return on assets | -0.0323% | 4,798 |
| Return on Equity (ROE) | -0.4469% | 4,813 |
| Retained earnings to average equity (ytd only) | -0.9141% | 4,607 |
| Net charge-offs to loans | 0.2588% | 593 |
| Credit loss provision to net charge-offs | 138.3333% | 2,400 |
| Earnings coverage of net charge-offs (x) | 1.1000% | 3,095 |
| Efficiency ratio | 97.1078% | 204 |
| Assets per employee ($millions) | 3.0507% | 4,826 |
| Cash dividends to net income (ytd only)* | -104.5455% | 5,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 1,900 |
| Loan loss allowance to noncurrent loans | 73.0483% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.7348% | 1,586 |
| Noncurrent loans to loans | 1.8680% | 689 |
| Net loans and leases to total assets | 38.8003% | 4,601 |
| Net loans and leases to deposits | 42.6912% | 4,687 |
| Net loans and leases to core deposits | 44.2017% | 4,706 |
| Total domestic deposits to total assets | 90.8859% | 196 |
| Equity capital to assets | 8.9612% | 4,146 |
| Core capital (leverage) ratio | 8.6599% | 4,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,137,750 | 4,390 |
| Average earning assets | $64,560,500 | 4,394 |
| Average equity | $6,563,500 | 4,598 |
| Average total loans | $30,915,750 | 4,525 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1411% | 2,933 |
| Cost of funding earning assets | 0.4538% | 3,776 |
| Net interest margin | 3.6873% | 2,216 |
| Noninterest income to average assets | 1.1170% | 796 |
| Noninterest expense to average assets | 4.2598% | 313 |
| Loan and lease loss provision to assets | 0.1736% | 2,273 |
| Net operating income to assets | 0.0556% | 4,725 |
| Return on assets (ROA) | 0.0579% | 4,749 |
| Pretax return on assets | 0.0723% | 4,743 |
| Return on Equity (ROE) | 0.6094% | 4,736 |
| Retained earnings to average equity (ytd only) | -0.0914% | 4,319 |
| Net charge-offs to loans | 0.2024% | 759 |
| Credit loss provision to net charge-offs | 187.5000% | 1,964 |
| Earnings coverage of net charge-offs (x) | 2.6250% | 2,751 |
| Efficiency ratio | 94.6015% | 280 |
| Assets per employee ($millions) | 3.1227% | 4,816 |
| Cash dividends to net income (ytd only)* | 115.0000% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 1,871 |
| Loan loss allowance to noncurrent loans | 131.3531% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.4219% | 2,618 |
| Noncurrent loans to loans | 1.0141% | 1,527 |
| Net loans and leases to total assets | 41.0465% | 4,565 |
| Net loans and leases to deposits | 45.2877% | 4,670 |
| Net loans and leases to core deposits | 46.9210% | 4,690 |
| Total domestic deposits to total assets | 90.6351% | 243 |
| Equity capital to assets | 9.2243% | 3,903 |
| Core capital (leverage) ratio | 8.6494% | 4,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,111,667 | 4,412 |
| Average earning assets | $63,461,667 | 4,417 |
| Average equity | $6,564,333 | 4,624 |
| Average total loans | $31,620,667 | 4,533 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4234% | 2,528 |
| Cost of funding earning assets | 0.4886% | 3,992 |
| Net interest margin | 3.9348% | 1,565 |
| Noninterest income to average assets | 1.2633% | 549 |
| Noninterest expense to average assets | 4.3449% | 354 |
| Loan and lease loss provision to assets | 0.1948% | 1,551 |
| Net operating income to assets | 0.3075% | 4,329 |
| Return on assets (ROA) | 0.3129% | 4,342 |
| Pretax return on assets | 0.3424% | 4,391 |
| Return on Equity (ROE) | 3.2446% | 4,160 |
| Retained earnings to average equity (ytd only) | 1.8365% | 3,501 |
| Net charge-offs to loans | -0.0246% | 4,406 |
| Credit loss provision to net charge-offs | -1,650.0000% | 3,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1041% | 527 |
| Assets per employee ($millions) | 2.8845% | 4,837 |
| Cash dividends to net income (ytd only)* | 43.3962% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 2,240 |
| Loan loss allowance to noncurrent loans | 225.0000% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 3,414 |
| Noncurrent loans to loans | 0.5684% | 2,574 |
| Net loans and leases to total assets | 45.1616% | 4,459 |
| Net loans and leases to deposits | 50.0336% | 4,589 |
| Net loans and leases to core deposits | 51.9068% | 4,632 |
| Total domestic deposits to total assets | 90.2625% | 252 |
| Equity capital to assets | 9.6393% | 4,091 |
| Core capital (leverage) ratio | 9.1986% | 4,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,757,000 | 4,442 |
| Average earning assets | $62,214,000 | 4,447 |
| Average equity | $6,534,000 | 4,661 |
| Average total loans | $32,492,000 | 4,544 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0172% | 1,432 |
| Cost of funding earning assets | 0.5437% | 3,907 |
| Net interest margin | 4.4735% | 756 |
| Noninterest income to average assets | 1.2513% | 605 |
| Noninterest expense to average assets | 4.6758% | 264 |
| Loan and lease loss provision to assets | 0.1317% | 1,621 |
| Net operating income to assets | 0.5254% | 4,346 |
| Return on assets (ROA) | 0.3322% | 4,735 |
| Pretax return on assets | 0.3322% | 4,789 |
| Return on Equity (ROE) | 3.7648% | 4,521 |
| Retained earnings to average equity (ytd only) | 1.9404% | 4,025 |
| Net charge-offs to loans | 0.0706% | 2,088 |
| Credit loss provision to net charge-offs | 375.0000% | 743 |
| Earnings coverage of net charge-offs (x) | 18.7083% | 2,042 |
| Efficiency ratio | 87.6784% | 457 |
| Assets per employee ($millions) | 2.6515% | 4,957 |
| Cash dividends to net income (ytd only)* | 48.4581% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 2,888 |
| Loan loss allowance to noncurrent loans | 148.5944% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3756% | 2,910 |
| Noncurrent loans to loans | 0.7474% | 2,017 |
| Net loans and leases to total assets | 49.7005% | 4,338 |
| Net loans and leases to deposits | 55.0524% | 4,499 |
| Net loans and leases to core deposits | 57.1982% | 4,545 |
| Total domestic deposits to total assets | 90.2786% | 242 |
| Equity capital to assets | 9.6474% | 4,219 |
| Core capital (leverage) ratio | 9.6649% | 3,885 |
| Tier 1 risk-based capital ratio | 17.7242% | 1,833 |
| Total risk-based capital ratio | 18.7526% | 1,846 |
| Memoranda: | ||
| Average total assets | $68,330,600 | 4,457 |
| Average earning assets | $62,345,000 | 4,470 |
| Average equity | $6,029,600 | 4,751 |
| Average total loans | $33,996,400 | 4,558 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0994% | 1,286 |
| Cost of funding earning assets | 0.5484% | 3,935 |
| Net interest margin | 4.5510% | 686 |
| Noninterest income to average assets | 1.2221% | 611 |
| Noninterest expense to average assets | 4.8071% | 238 |
| Loan and lease loss provision to assets | 0.1317% | 1,464 |
| Net operating income to assets | 0.4300% | 4,660 |
| Return on assets (ROA) | 0.1743% | 4,980 |
| Pretax return on assets | 0.1743% | 4,995 |
| Return on Equity (ROE) | 2.0208% | 4,893 |
| Retained earnings to average equity (ytd only) | -0.1797% | 4,778 |
| Net charge-offs to loans | 0.1054% | 1,416 |
| Credit loss provision to net charge-offs | 251.8519% | 1,084 |
| Earnings coverage of net charge-offs (x) | 10.7406% | 2,479 |
| Efficiency ratio | 89.5382% | 340 |
| Assets per employee ($millions) | 3.0000% | 4,892 |
| Cash dividends to net income (ytd only)* | 108.8833% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 3,551 |
| Loan loss allowance to noncurrent loans | 367.0213% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 4,026 |
| Noncurrent loans to loans | 0.2733% | 3,563 |
| Net loans and leases to total assets | 51.5826% | 4,337 |
| Net loans and leases to deposits | 57.1254% | 4,508 |
| Net loans and leases to core deposits | 58.8271% | 4,570 |
| Total domestic deposits to total assets | 90.2971% | 212 |
| Equity capital to assets | 9.4983% | 4,454 |
| Core capital (leverage) ratio | 9.3666% | 4,304 |
| Tier 1 risk-based capital ratio | 16.7430% | 2,172 |
| Total risk-based capital ratio | 17.6671% | 2,227 |
| Memoranda: | ||
| Average total assets | $68,841,500 | 4,500 |
| Average earning assets | $62,724,500 | 4,515 |
| Average equity | $5,938,250 | 4,826 |
| Average total loans | $34,166,750 | 4,615 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0879% | 1,247 |
| Cost of funding earning assets | 0.5632% | 3,820 |
| Net interest margin | 4.5247% | 727 |
| Noninterest income to average assets | 1.1721% | 627 |
| Noninterest expense to average assets | 4.9607% | 223 |
| Loan and lease loss provision to assets | 0.1290% | 1,447 |
| Net operating income to assets | 0.2035% | 4,991 |
| Return on assets (ROA) | -0.1777% | 5,147 |
| Pretax return on assets | -0.1777% | 5,141 |
| Return on Equity (ROE) | -2.1277% | 5,166 |
| Retained earnings to average equity (ytd only) | -3.8092% | 5,008 |
| Net charge-offs to loans | 0.1995% | 826 |
| Credit loss provision to net charge-offs | 132.3529% | 1,643 |
| Earnings coverage of net charge-offs (x) | 3.4118% | 2,847 |
| Efficiency ratio | 93.7195% | 238 |
| Assets per employee ($millions) | 2.8832% | 4,976 |
| Cash dividends to net income (ytd only)* | -79.0323% | 5,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 4,141 |
| Loan loss allowance to noncurrent loans | 294.3925% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 3,956 |
| Noncurrent loans to loans | 0.3023% | 3,462 |
| Net loans and leases to total assets | 52.9067% | 4,294 |
| Net loans and leases to deposits | 58.3692% | 4,500 |
| Net loans and leases to core deposits | 60.0856% | 4,570 |
| Total domestic deposits to total assets | 90.6414% | 166 |
| Equity capital to assets | 9.1732% | 4,679 |
| Core capital (leverage) ratio | 8.6990% | 4,844 |
| Tier 1 risk-based capital ratio | 16.0317% | 2,400 |
| Total risk-based capital ratio | 16.8531% | 2,515 |
| Memoranda: | ||
| Average total assets | $69,788,330 | 4,521 |
| Average earning assets | $63,562,330 | 4,535 |
| Average equity | $5,828,000 | 4,874 |
| Average total loans | $34,092,330 | 4,650 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8213% | 1,847 |
| Cost of funding earning assets | 0.5950% | 3,602 |
| Net interest margin | 4.2263% | 1,248 |
| Noninterest income to average assets | 1.1632% | 597 |
| Noninterest expense to average assets | 5.0387% | 200 |
| Loan and lease loss provision to assets | 0.1286% | 1,359 |
| Net operating income to assets | -0.1510% | 5,195 |
| Return on assets (ROA) | -0.8948% | 5,279 |
| Pretax return on assets | -0.8948% | 5,273 |
| Return on Equity (ROE) | -11.2271% | 5,304 |
| Retained earnings to average equity (ytd only) | -12.5603% | 5,163 |
| Net charge-offs to loans | 0.4665% | 327 |
| Credit loss provision to net charge-offs | 58.9744% | 1,920 |
| Earnings coverage of net charge-offs (x) | -0.1026% | 2,680 |
| Efficiency ratio | 100.4459% | 167 |
| Assets per employee ($millions) | 2.4354% | 5,198 |
| Cash dividends to net income (ytd only)* | -11.8750% | 5,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8498% | 4,345 |
| Loan loss allowance to noncurrent loans | 293.8776% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 3,909 |
| Noncurrent loans to loans | 0.2892% | 3,526 |
| Net loans and leases to total assets | 47.5753% | 4,600 |
| Net loans and leases to deposits | 51.9753% | 4,758 |
| Net loans and leases to core deposits | 55.1795% | 4,745 |
| Total domestic deposits to total assets | 91.5344% | 98 |
| Equity capital to assets | 8.3268% | 5,074 |
| Core capital (leverage) ratio | 8.5071% | 5,008 |
| Tier 1 risk-based capital ratio | 15.9836% | 2,447 |
| Total risk-based capital ratio | 16.7407% | 2,575 |
| Memoranda: | ||
| Average total assets | $71,526,000 | 4,540 |
| Average earning assets | $65,211,000 | 4,556 |
| Average equity | $5,700,500 | 4,931 |
| Average total loans | $33,439,000 | 4,718 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 2,054 |
| Cost of funding earning assets | 0.5001% | 3,357 |
| Net interest margin | 4.1286% | 1,595 |
| Noninterest income to average assets | 1.0424% | 872 |
| Noninterest expense to average assets | 3.9744% | 554 |
| Loan and lease loss provision to assets | 0.0914% | 2,323 |
| Net operating income to assets | 0.7365% | 4,018 |
| Return on assets (ROA) | 0.7365% | 4,018 |
| Pretax return on assets | 0.7365% | 4,323 |
| Return on Equity (ROE) | 10.2060% | 2,441 |
| Retained earnings to average equity (ytd only) | 0.9208% | 4,728 |
| Net charge-offs to loans | 0.0724% | 2,084 |
| Credit loss provision to net charge-offs | 300.0000% | 1,027 |
| Earnings coverage of net charge-offs (x) | 27.1818% | 1,697 |
| Efficiency ratio | 82.7616% | 724 |
| Assets per employee ($millions) | 2.7797% | 5,103 |
| Cash dividends to net income (ytd only)* | 90.9774% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 4,080 |
| Loan loss allowance to noncurrent loans | 209.6552% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 3,633 |
| Noncurrent loans to loans | 0.4395% | 2,965 |
| Net loans and leases to total assets | 45.2250% | 4,772 |
| Net loans and leases to deposits | 54.6334% | 4,723 |
| Net loans and leases to core deposits | 59.2098% | 4,663 |
| Total domestic deposits to total assets | 82.7789% | 3,400 |
| Equity capital to assets | 7.4261% | 5,287 |
| Core capital (leverage) ratio | 8.2505% | 5,148 |
| Tier 1 risk-based capital ratio | 16.0644% | 2,385 |
| Total risk-based capital ratio | 16.8686% | 2,487 |
| Memoranda: | ||
| Average total assets | $72,237,400 | 4,547 |
| Average earning assets | $65,784,800 | 4,561 |
| Average equity | $5,212,600 | 5,017 |
| Average total loans | $30,387,000 | 4,812 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 2,045 |
| Cost of funding earning assets | 0.4501% | 3,520 |
| Net interest margin | 4.1279% | 1,550 |
| Noninterest income to average assets | 1.2387% | 624 |
| Noninterest expense to average assets | 3.7198% | 740 |
| Loan and lease loss provision to assets | 0.0923% | 2,134 |
| Net operating income to assets | 1.1686% | 2,375 |
| Return on assets (ROA) | 1.1686% | 2,381 |
| Pretax return on assets | 1.1686% | 3,128 |
| Return on Equity (ROE) | 16.3269% | 641 |
| Retained earnings to average equity (ytd only) | 8.3826% | 1,479 |
| Net charge-offs to loans | 0.0807% | 1,714 |
| Credit loss provision to net charge-offs | 277.7778% | 1,081 |
| Earnings coverage of net charge-offs (x) | 37.9433% | 1,397 |
| Efficiency ratio | 74.6850% | 1,496 |
| Assets per employee ($millions) | 3.6251% | 4,402 |
| Cash dividends to net income (ytd only)* | 48.6576% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 4,107 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 3,739 |
| Noncurrent loans to loans | 0.4685% | 2,984 |
| Net loans and leases to total assets | 42.5823% | 4,932 |
| Net loans and leases to deposits | 50.6996% | 4,932 |
| Net loans and leases to core deposits | 55.4512% | 4,858 |
| Total domestic deposits to total assets | 83.9894% | 2,943 |
| Equity capital to assets | 6.5833% | 5,421 |
| Core capital (leverage) ratio | 8.5210% | 5,087 |
| Tier 1 risk-based capital ratio | 17.0364% | 2,095 |
| Total risk-based capital ratio | 17.8254% | 2,194 |
| Memoranda: | ||
| Average total assets | $72,224,000 | 4,598 |
| Average earning assets | $65,471,000 | 4,614 |
| Average equity | $5,169,250 | 5,086 |
| Average total loans | $29,736,500 | 4,878 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5081% | 2,071 |
| Cost of funding earning assets | 0.3960% | 3,751 |
| Net interest margin | 4.1122% | 1,519 |
| Noninterest income to average assets | 1.2838% | 586 |
| Noninterest expense to average assets | 3.6822% | 784 |
| Loan and lease loss provision to assets | 0.0915% | 2,096 |
| Net operating income to assets | 1.2533% | 1,963 |
| Return on assets (ROA) | 1.2533% | 1,962 |
| Pretax return on assets | 1.2533% | 2,713 |
| Return on Equity (ROE) | 17.0523% | 516 |
| Retained earnings to average equity (ytd only) | 8.4884% | 1,414 |
| Net charge-offs to loans | 0.0342% | 2,165 |
| Credit loss provision to net charge-offs | 660.0000% | 589 |
| Earnings coverage of net charge-offs (x) | 97.0000% | 710 |
| Efficiency ratio | 73.2488% | 1,808 |
| Assets per employee ($millions) | 3.5813% | 4,498 |
| Cash dividends to net income (ytd only)* | 50.2212% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9417% | 4,153 |
| Loan loss allowance to noncurrent loans | 187.0130% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 3,735 |
| Noncurrent loans to loans | 0.5036% | 2,910 |
| Net loans and leases to total assets | 42.2953% | 4,974 |
| Net loans and leases to deposits | 48.2865% | 5,018 |
| Net loans and leases to core deposits | 52.6605% | 4,972 |
| Total domestic deposits to total assets | 87.5923% | 1,596 |
| Equity capital to assets | 7.0171% | 5,446 |
| Core capital (leverage) ratio | 8.6473% | 4,998 |
| Tier 1 risk-based capital ratio | 17.3634% | 1,976 |
| Total risk-based capital ratio | 18.1592% | 2,072 |
| Memoranda: | ||
| Average total assets | $72,131,330 | 4,652 |
| Average earning assets | $65,659,000 | 4,667 |
| Average equity | $5,301,330 | 5,113 |
| Average total loans | $29,260,330 | 4,939 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4445% | 2,036 |
| Cost of funding earning assets | 0.4378% | 3,307 |
| Net interest margin | 4.0067% | 1,704 |
| Noninterest income to average assets | 1.3097% | 543 |
| Noninterest expense to average assets | 3.6859% | 778 |
| Loan and lease loss provision to assets | 0.0939% | 1,942 |
| Net operating income to assets | 1.1715% | 2,124 |
| Return on assets (ROA) | 1.1660% | 2,164 |
| Pretax return on assets | 1.1660% | 2,903 |
| Return on Equity (ROE) | 15.5176% | 702 |
| Retained earnings to average equity (ytd only) | 9.5606% | 1,294 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4420% | 1,835 |
| Assets per employee ($millions) | 3.1437% | 5,049 |
| Cash dividends to net income (ytd only)* | 38.3886% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 4,186 |
| Loan loss allowance to noncurrent loans | 101.4599% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.4204% | 3,151 |
| Noncurrent loans to loans | 0.9438% | 1,936 |
| Net loans and leases to total assets | 39.7657% | 5,079 |
| Net loans and leases to deposits | 42.9002% | 5,191 |
| Net loans and leases to core deposits | 46.5138% | 5,142 |
| Total domestic deposits to total assets | 92.6936% | 54 |
| Equity capital to assets | 7.2041% | 5,488 |
| Core capital (leverage) ratio | 8.3539% | 5,226 |
| Tier 1 risk-based capital ratio | 17.6310% | 1,940 |
| Total risk-based capital ratio | 18.4201% | 2,020 |
| Memoranda: | ||
| Average total assets | $72,384,500 | 4,702 |
| Average earning assets | $65,789,500 | 4,719 |
| Average equity | $5,439,000 | 5,146 |
| Average total loans | $28,599,500 | 5,000 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5013% | 1,702 |
| Cost of funding earning assets | 0.3233% | 3,924 |
| Net interest margin | 4.1780% | 1,234 |
| Noninterest income to average assets | 1.1455% | 773 |
| Noninterest expense to average assets | 3.7360% | 750 |
| Loan and lease loss provision to assets | 0.1128% | 2,017 |
| Net operating income to assets | 1.0906% | 1,887 |
| Return on assets (ROA) | 1.0935% | 1,899 |
| Pretax return on assets | 1.0935% | 3,214 |
| Return on Equity (ROE) | 13.4119% | 865 |
| Retained earnings to average equity (ytd only) | 5.6415% | 1,743 |
| Net charge-offs to loans | 0.3681% | 691 |
| Credit loss provision to net charge-offs | 79.5918% | 2,948 |
| Earnings coverage of net charge-offs (x) | 8.4898% | 2,909 |
| Efficiency ratio | 75.6369% | 1,677 |
| Assets per employee ($millions) | 3.4506% | 4,764 |
| Cash dividends to net income (ytd only)* | 57.9365% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9230% | 4,357 |
| Loan loss allowance to noncurrent loans | 247.6190% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 4,163 |
| Noncurrent loans to loans | 0.3728% | 3,426 |
| Net loans and leases to total assets | 38.5134% | 5,197 |
| Net loans and leases to deposits | 47.0989% | 5,158 |
| Net loans and leases to core deposits | 51.6318% | 5,077 |
| Total domestic deposits to total assets | 81.7714% | 3,920 |
| Equity capital to assets | 7.8233% | 5,451 |
| Core capital (leverage) ratio | 8.4176% | 5,209 |
| Tier 1 risk-based capital ratio | 17.6257% | 1,911 |
| Total risk-based capital ratio | 18.3820% | 2,004 |
| Memoranda: | ||
| Average total assets | $69,138,800 | 4,791 |
| Average earning assets | $62,781,200 | 4,807 |
| Average equity | $5,636,800 | 5,154 |
| Average total loans | $26,622,400 | 5,108 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4723% | 1,720 |
| Cost of funding earning assets | 0.2907% | 4,223 |
| Net interest margin | 4.1816% | 1,200 |
| Noninterest income to average assets | 1.1633% | 756 |
| Noninterest expense to average assets | 3.7672% | 705 |
| Loan and lease loss provision to assets | 0.1210% | 1,790 |
| Net operating income to assets | 1.0657% | 2,251 |
| Return on assets (ROA) | 1.0696% | 2,282 |
| Pretax return on assets | 1.0696% | 3,425 |
| Return on Equity (ROE) | 12.9807% | 1,063 |
| Retained earnings to average equity (ytd only) | 6.9404% | 1,721 |
| Net charge-offs to loans | 0.4675% | 445 |
| Credit loss provision to net charge-offs | 67.3913% | 2,719 |
| Earnings coverage of net charge-offs (x) | 6.6089% | 2,967 |
| Efficiency ratio | 76.0441% | 1,583 |
| Assets per employee ($millions) | 3.1309% | 5,147 |
| Cash dividends to net income (ytd only)* | 46.5325% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8866% | 4,619 |
| Loan loss allowance to noncurrent loans | 174.1259% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 4,042 |
| Noncurrent loans to loans | 0.5092% | 3,178 |
| Net loans and leases to total assets | 38.6571% | 5,241 |
| Net loans and leases to deposits | 47.6906% | 5,197 |
| Net loans and leases to core deposits | 52.3527% | 5,126 |
| Total domestic deposits to total assets | 81.0582% | 4,028 |
| Equity capital to assets | 8.3697% | 5,360 |
| Core capital (leverage) ratio | 8.6849% | 5,077 |
| Tier 1 risk-based capital ratio | 17.9343% | 1,871 |
| Total risk-based capital ratio | 18.6744% | 1,978 |
| Memoranda: | ||
| Average total assets | $68,307,750 | 4,855 |
| Average earning assets | $61,920,250 | 4,871 |
| Average equity | $5,628,750 | 5,214 |
| Average total loans | $26,236,000 | 5,173 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3973% | 1,820 |
| Cost of funding earning assets | 0.2638% | 4,430 |
| Net interest margin | 4.1335% | 1,239 |
| Noninterest income to average assets | 1.1390% | 775 |
| Noninterest expense to average assets | 3.7988% | 671 |
| Loan and lease loss provision to assets | 0.1252% | 1,655 |
| Net operating income to assets | 0.9989% | 2,436 |
| Return on assets (ROA) | 0.9959% | 2,497 |
| Pretax return on assets | 0.9959% | 3,584 |
| Return on Equity (ROE) | 12.1543% | 1,258 |
| Retained earnings to average equity (ytd only) | 5.7860% | 2,235 |
| Net charge-offs to loans | 0.3903% | 523 |
| Credit loss provision to net charge-offs | 84.0000% | 2,215 |
| Earnings coverage of net charge-offs (x) | 7.5400% | 2,595 |
| Efficiency ratio | 77.1654% | 1,565 |
| Assets per employee ($millions) | 3.1530% | 5,145 |
| Cash dividends to net income (ytd only)* | 52.3952% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 3,812 |
| Loan loss allowance to noncurrent loans | 158.1395% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 3,657 |
| Noncurrent loans to loans | 0.6685% | 2,746 |
| Net loans and leases to total assets | 36.7010% | 5,351 |
| Net loans and leases to deposits | 43.1696% | 5,364 |
| Net loans and leases to core deposits | 45.2361% | 5,361 |
| Total domestic deposits to total assets | 85.0157% | 2,801 |
| Equity capital to assets | 8.3586% | 5,378 |
| Core capital (leverage) ratio | 8.4929% | 5,225 |
| Tier 1 risk-based capital ratio | 18.4704% | 1,723 |
| Total risk-based capital ratio | 19.3219% | 1,790 |
| Memoranda: | ||
| Average total assets | $67,073,670 | 4,918 |
| Average earning assets | $61,401,330 | 4,913 |
| Average equity | $5,496,000 | 5,275 |
| Average total loans | $25,619,330 | 5,225 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3906% | 1,674 |
| Cost of funding earning assets | 0.2653% | 4,404 |
| Net interest margin | 4.1253% | 1,156 |
| Noninterest income to average assets | 1.0860% | 844 |
| Noninterest expense to average assets | 3.8042% | 678 |
| Loan and lease loss provision to assets | 0.1274% | 1,514 |
| Net operating income to assets | 0.9283% | 2,624 |
| Return on assets (ROA) | 0.9283% | 2,679 |
| Pretax return on assets | 0.9283% | 3,666 |
| Return on Equity (ROE) | 11.4500% | 1,419 |
| Retained earnings to average equity (ytd only) | 8.0823% | 1,426 |
| Net charge-offs to loans | 0.2660% | 686 |
| Credit loss provision to net charge-offs | 123.5294% | 1,362 |
| Earnings coverage of net charge-offs (x) | 10.2353% | 1,951 |
| Efficiency ratio | 78.2772% | 1,592 |
| Assets per employee ($millions) | 3.0150% | 5,338 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 3,530 |
| Loan loss allowance to noncurrent loans | 115.9184% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.4040% | 3,577 |
| Noncurrent loans to loans | 0.9731% | 2,100 |
| Net loans and leases to total assets | 37.5300% | 5,345 |
| Net loans and leases to deposits | 41.9720% | 5,418 |
| Net loans and leases to core deposits | 44.7516% | 5,396 |
| Total domestic deposits to total assets | 89.4167% | 937 |
| Equity capital to assets | 8.2043% | 5,413 |
| Core capital (leverage) ratio | 8.6200% | 5,132 |
| Tier 1 risk-based capital ratio | 19.0292% | 1,610 |
| Total risk-based capital ratio | 19.9532% | 1,644 |
| Memoranda: | ||
| Average total assets | $65,927,500 | 4,983 |
| Average earning assets | $60,311,000 | 4,995 |
| Average equity | $5,345,000 | 5,351 |
| Average total loans | $25,564,000 | 5,282 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3425% | 2,005 |
| Cost of funding earning assets | 0.2596% | 4,470 |
| Net interest margin | 4.0829% | 1,421 |
| Noninterest income to average assets | 1.1851% | 805 |
| Noninterest expense to average assets | 3.7028% | 881 |
| Loan and lease loss provision to assets | 0.1263% | 1,966 |
| Net operating income to assets | 1.0468% | 2,153 |
| Return on assets (ROA) | 1.0934% | 2,025 |
| Pretax return on assets | 1.0934% | 3,129 |
| Return on Equity (ROE) | 11.7417% | 1,332 |
| Retained earnings to average equity (ytd only) | -1.8412% | 5,521 |
| Net charge-offs to loans | 0.2446% | 1,136 |
| Credit loss provision to net charge-offs | 133.3333% | 2,030 |
| Earnings coverage of net charge-offs (x) | 12.3810% | 2,457 |
| Efficiency ratio | 75.9408% | 1,991 |
| Assets per employee ($millions) | 3.1202% | 5,245 |
| Cash dividends to net income (ytd only)* | 115.6809% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 3,834 |
| Loan loss allowance to noncurrent loans | 95.8904% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 3,104 |
| Noncurrent loans to loans | 1.1252% | 1,832 |
| Net loans and leases to total assets | 39.1765% | 5,352 |
| Net loans and leases to deposits | 46.0713% | 5,364 |
| Net loans and leases to core deposits | 48.4047% | 5,354 |
| Total domestic deposits to total assets | 85.0345% | 3,028 |
| Equity capital to assets | 8.0093% | 5,562 |
| Core capital (leverage) ratio | 8.6666% | 5,110 |
| Tier 1 risk-based capital ratio | 16.1595% | 2,486 |
| Total risk-based capital ratio | 16.9477% | 2,596 |
| Memoranda: | ||
| Average total assets | $66,490,800 | 5,001 |
| Average earning assets | $60,104,000 | 5,013 |
| Average equity | $6,191,600 | 5,247 |
| Average total loans | $25,751,800 | 5,324 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3499% | 1,998 |
| Cost of funding earning assets | 0.2640% | 4,464 |
| Net interest margin | 4.0860% | 1,417 |
| Noninterest income to average assets | 1.2128% | 784 |
| Noninterest expense to average assets | 3.6603% | 907 |
| Loan and lease loss provision to assets | 0.1259% | 1,852 |
| Net operating income to assets | 1.1069% | 1,963 |
| Return on assets (ROA) | 1.1748% | 1,827 |
| Pretax return on assets | 1.1748% | 2,939 |
| Return on Equity (ROE) | 12.1973% | 1,263 |
| Retained earnings to average equity (ytd only) | 0.3112% | 5,269 |
| Net charge-offs to loans | 0.4098% | 526 |
| Credit loss provision to net charge-offs | 79.7468% | 2,666 |
| Earnings coverage of net charge-offs (x) | 7.8102% | 2,839 |
| Efficiency ratio | 74.8060% | 2,141 |
| Assets per employee ($millions) | 3.2038% | 5,174 |
| Cash dividends to net income (ytd only)* | 97.4489% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9324% | 4,739 |
| Loan loss allowance to noncurrent loans | 116.8269% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.4058% | 3,803 |
| Noncurrent loans to loans | 0.7981% | 2,672 |
| Net loans and leases to total assets | 38.3740% | 5,450 |
| Net loans and leases to deposits | 45.9044% | 5,457 |
| Net loans and leases to core deposits | 48.2030% | 5,449 |
| Total domestic deposits to total assets | 83.5954% | 3,358 |
| Equity capital to assets | 9.5259% | 4,636 |
| Core capital (leverage) ratio | 8.8067% | 5,046 |
| Tier 1 risk-based capital ratio | 18.6180% | 1,756 |
| Total risk-based capital ratio | 19.3886% | 1,845 |
| Memoranda: | ||
| Average total assets | $66,732,500 | 5,042 |
| Average earning assets | $60,106,750 | 5,061 |
| Average equity | $6,427,500 | 5,256 |
| Average total loans | $25,702,250 | 5,379 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3052% | 2,142 |
| Cost of funding earning assets | 0.2676% | 4,474 |
| Net interest margin | 4.0376% | 1,530 |
| Noninterest income to average assets | 1.2111% | 768 |
| Noninterest expense to average assets | 3.6304% | 964 |
| Loan and lease loss provision to assets | 0.1262% | 1,804 |
| Net operating income to assets | 1.0819% | 2,030 |
| Return on assets (ROA) | 1.1811% | 1,759 |
| Pretax return on assets | 1.1811% | 2,857 |
| Return on Equity (ROE) | 12.2170% | 1,236 |
| Retained earnings to average equity (ytd only) | 10.1653% | 561 |
| Net charge-offs to loans | 0.1251% | 1,595 |
| Credit loss provision to net charge-offs | 262.5000% | 1,063 |
| Earnings coverage of net charge-offs (x) | 25.1250% | 1,518 |
| Efficiency ratio | 75.0311% | 2,218 |
| Assets per employee ($millions) | 3.2567% | 5,127 |
| Cash dividends to net income (ytd only)* | 16.7939% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 3,783 |
| Loan loss allowance to noncurrent loans | 143.7186% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 3,947 |
| Noncurrent loans to loans | 0.7864% | 2,784 |
| Net loans and leases to total assets | 36.5823% | 5,583 |
| Net loans and leases to deposits | 41.1132% | 5,650 |
| Net loans and leases to core deposits | 43.0064% | 5,649 |
| Total domestic deposits to total assets | 88.9795% | 929 |
| Equity capital to assets | 9.9882% | 4,242 |
| Core capital (leverage) ratio | 8.9537% | 4,884 |
| Tier 1 risk-based capital ratio | 19.8059% | 1,500 |
| Total risk-based capital ratio | 20.7221% | 1,540 |
| Memoranda: | ||
| Average total assets | $66,550,000 | 5,091 |
| Average earning assets | $59,787,670 | 5,118 |
| Average equity | $6,433,670 | 5,298 |
| Average total loans | $25,582,670 | 5,440 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 2,303 |
| Cost of funding earning assets | 0.2742% | 4,452 |
| Net interest margin | 3.9754% | 1,688 |
| Noninterest income to average assets | 1.2251% | 719 |
| Noninterest expense to average assets | 3.5898% | 1,034 |
| Loan and lease loss provision to assets | 0.1280% | 1,664 |
| Net operating income to assets | 1.0422% | 2,111 |
| Return on assets (ROA) | 1.1641% | 1,769 |
| Pretax return on assets | 1.1641% | 2,837 |
| Return on Equity (ROE) | 12.2534% | 1,231 |
| Retained earnings to average equity (ytd only) | 12.2534% | 470 |
| Net charge-offs to loans | -0.0622% | 5,439 |
| Credit loss provision to net charge-offs | -525.0000% | 4,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4161% | 2,264 |
| Assets per employee ($millions) | 3.2030% | 5,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 3,922 |
| Loan loss allowance to noncurrent loans | 91.9094% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5560% | 3,399 |
| Noncurrent loans to loans | 1.2235% | 1,977 |
| Net loans and leases to total assets | 37.1254% | 5,591 |
| Net loans and leases to deposits | 41.1495% | 5,678 |
| Net loans and leases to core deposits | 43.2618% | 5,682 |
| Total domestic deposits to total assets | 90.2206% | 520 |
| Equity capital to assets | 9.6396% | 4,516 |
| Core capital (leverage) ratio | 9.2851% | 4,508 |
| Tier 1 risk-based capital ratio | 19.5209% | 1,609 |
| Total risk-based capital ratio | 20.4377% | 1,656 |
| Memoranda: | ||
| Average total assets | $65,629,500 | 5,163 |
| Average earning assets | $58,358,500 | 5,205 |
| Average equity | $6,235,000 | 5,379 |
| Average total loans | $25,721,500 | 5,492 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4892% | 1,632 |
| Cost of funding earning assets | 0.3296% | 3,917 |
| Net interest margin | 4.1596% | 1,260 |
| Noninterest income to average assets | 1.3258% | 682 |
| Noninterest expense to average assets | 3.9246% | 738 |
| Loan and lease loss provision to assets | 0.0753% | 2,765 |
| Net operating income to assets | 1.0440% | 2,151 |
| Return on assets (ROA) | 1.0376% | 2,267 |
| Pretax return on assets | 1.0376% | 3,319 |
| Return on Equity (ROE) | 10.6352% | 1,739 |
| Retained earnings to average equity (ytd only) | 4.9073% | 2,490 |
| Net charge-offs to loans | 0.2805% | 1,086 |
| Credit loss provision to net charge-offs | 66.1972% | 3,179 |
| Earnings coverage of net charge-offs (x) | 9.8451% | 2,770 |
| Efficiency ratio | 77.8095% | 1,997 |
| Assets per employee ($millions) | 3.0474% | 5,479 |
| Cash dividends to net income (ytd only)* | 53.8580% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 4,677 |
| Loan loss allowance to noncurrent loans | 185.0000% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 4,304 |
| Noncurrent loans to loans | 0.5346% | 3,561 |
| Net loans and leases to total assets | 40.5157% | 5,484 |
| Net loans and leases to deposits | 45.1102% | 5,608 |
| Net loans and leases to core deposits | 47.5586% | 5,582 |
| Total domestic deposits to total assets | 89.8148% | 709 |
| Equity capital to assets | 9.3539% | 4,726 |
| Core capital (leverage) ratio | 9.0404% | 4,832 |
| Tier 1 risk-based capital ratio | 18.7775% | 1,751 |
| Total risk-based capital ratio | 19.6081% | 1,820 |
| Memoranda: | ||
| Average total assets | $62,452,400 | 5,261 |
| Average earning assets | $55,822,400 | 5,299 |
| Average equity | $6,093,000 | 5,420 |
| Average total loans | $25,309,400 | 5,545 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5008% | 1,592 |
| Cost of funding earning assets | 0.3366% | 3,904 |
| Net interest margin | 4.1642% | 1,243 |
| Noninterest income to average assets | 1.3276% | 690 |
| Noninterest expense to average assets | 3.9075% | 739 |
| Loan and lease loss provision to assets | 0.0516% | 3,170 |
| Net operating income to assets | 1.0891% | 2,061 |
| Return on assets (ROA) | 1.0891% | 2,139 |
| Pretax return on assets | 1.0891% | 3,272 |
| Return on Equity (ROE) | 11.0459% | 1,690 |
| Retained earnings to average equity (ytd only) | 11.0459% | 469 |
| Net charge-offs to loans | 0.1647% | 1,503 |
| Credit loss provision to net charge-offs | 77.4194% | 2,653 |
| Earnings coverage of net charge-offs (x) | 17.1299% | 2,071 |
| Efficiency ratio | 77.4043% | 2,032 |
| Assets per employee ($millions) | 2.9431% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 4,459 |
| Loan loss allowance to noncurrent loans | 217.3228% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2656% | 4,704 |
| Noncurrent loans to loans | 0.4839% | 3,908 |
| Net loans and leases to total assets | 40.1093% | 5,586 |
| Net loans and leases to deposits | 44.6358% | 5,700 |
| Net loans and leases to core deposits | 47.0241% | 5,691 |
| Total domestic deposits to total assets | 89.8591% | 635 |
| Equity capital to assets | 9.9895% | 4,166 |
| Core capital (leverage) ratio | 9.3460% | 4,516 |
| Tier 1 risk-based capital ratio | 19.5916% | 1,651 |
| Total risk-based capital ratio | 20.4820% | 1,687 |
| Memoranda: | ||
| Average total assets | $62,066,750 | 5,339 |
| Average earning assets | $55,455,000 | 5,374 |
| Average equity | $6,119,750 | 5,477 |
| Average total loans | $25,090,000 | 5,611 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4331% | 1,736 |
| Cost of funding earning assets | 0.3413% | 3,904 |
| Net interest margin | 4.0918% | 1,374 |
| Noninterest income to average assets | 1.3535% | 670 |
| Noninterest expense to average assets | 4.0181% | 662 |
| Loan and lease loss provision to assets | 0.0490% | 3,137 |
| Net operating income to assets | 0.9318% | 2,724 |
| Return on assets (ROA) | 0.9318% | 2,846 |
| Pretax return on assets | 0.9318% | 3,837 |
| Return on Equity (ROE) | 9.4942% | 2,302 |
| Retained earnings to average equity (ytd only) | 9.4942% | 781 |
| Net charge-offs to loans | 0.0486% | 2,737 |
| Credit loss provision to net charge-offs | 250.0000% | 1,047 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 958 |
| Efficiency ratio | 80.3793% | 1,701 |
| Assets per employee ($millions) | 2.6581% | 5,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 3,936 |
| Loan loss allowance to noncurrent loans | 167.8161% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 4,678 |
| Noncurrent loans to loans | 0.7007% | 3,387 |
| Net loans and leases to total assets | 40.1410% | 5,621 |
| Net loans and leases to deposits | 44.6655% | 5,738 |
| Net loans and leases to core deposits | 47.8466% | 5,698 |
| Total domestic deposits to total assets | 89.8703% | 716 |
| Equity capital to assets | 9.9776% | 4,065 |
| Core capital (leverage) ratio | 9.1886% | 4,712 |
| Tier 1 risk-based capital ratio | 20.2815% | 1,487 |
| Total risk-based capital ratio | 21.2936% | 1,506 |
| Memoranda: | ||
| Average total assets | $61,173,000 | 5,414 |
| Average earning assets | $54,499,000 | 5,451 |
| Average equity | $6,003,670 | 5,549 |
| Average total loans | $24,704,670 | 5,673 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1918% | 2,490 |
| Cost of funding earning assets | 0.3542% | 3,810 |
| Net interest margin | 3.8376% | 2,105 |
| Noninterest income to average assets | 1.2878% | 695 |
| Noninterest expense to average assets | 4.0529% | 649 |
| Loan and lease loss provision to assets | 0.0392% | 3,123 |
| Net operating income to assets | 0.5949% | 4,311 |
| Return on assets (ROA) | 0.5033% | 4,786 |
| Pretax return on assets | 0.5033% | 5,174 |
| Return on Equity (ROE) | 5.1717% | 4,448 |
| Retained earnings to average equity (ytd only) | 5.1717% | 2,963 |
| Net charge-offs to loans | 0.0487% | 2,303 |
| Credit loss provision to net charge-offs | 200.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 32.3333% | 1,101 |
| Efficiency ratio | 86.4714% | 1,137 |
| Assets per employee ($millions) | 2.5832% | 6,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 4,082 |
| Loan loss allowance to noncurrent loans | 147.4227% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 4,670 |
| Noncurrent loans to loans | 0.8008% | 3,239 |
| Net loans and leases to total assets | 38.6170% | 5,686 |
| Net loans and leases to deposits | 42.8812% | 5,805 |
| Net loans and leases to core deposits | 45.0171% | 5,798 |
| Total domestic deposits to total assets | 90.0558% | 722 |
| Equity capital to assets | 9.8168% | 4,369 |
| Core capital (leverage) ratio | 9.1953% | 4,723 |
| Tier 1 risk-based capital ratio | 19.5003% | 1,735 |
| Total risk-based capital ratio | 20.4886% | 1,760 |
| Memoranda: | ||
| Average total assets | $61,191,000 | 5,475 |
| Average earning assets | $54,200,500 | 5,508 |
| Average equity | $5,955,500 | 5,609 |
| Average total loans | $24,640,500 | 5,729 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3636% | 2,354 |
| Cost of funding earning assets | 0.3859% | 3,841 |
| Net interest margin | 3.9777% | 1,956 |
| Noninterest income to average assets | 1.2206% | 803 |
| Noninterest expense to average assets | 4.1052% | 682 |
| Loan and lease loss provision to assets | 0.0587% | 3,365 |
| Net operating income to assets | 0.6519% | 4,130 |
| Return on assets (ROA) | 0.6519% | 4,236 |
| Pretax return on assets | 0.6519% | 4,775 |
| Return on Equity (ROE) | 6.9616% | 3,660 |
| Retained earnings to average equity (ytd only) | 1.4967% | 5,092 |
| Net charge-offs to loans | 0.1734% | 2,292 |
| Credit loss provision to net charge-offs | 83.7209% | 2,789 |
| Earnings coverage of net charge-offs (x) | 10.1395% | 2,652 |
| Efficiency ratio | 85.2453% | 1,259 |
| Assets per employee ($millions) | 2.4154% | 6,208 |
| Cash dividends to net income (ytd only)* | 78.5000% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1296% | 4,391 |
| Loan loss allowance to noncurrent loans | 109.2664% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.4455% | 4,332 |
| Noncurrent loans to loans | 1.0338% | 2,758 |
| Net loans and leases to total assets | 41.0211% | 5,688 |
| Net loans and leases to deposits | 48.5896% | 5,651 |
| Net loans and leases to core deposits | 51.2486% | 5,647 |
| Total domestic deposits to total assets | 84.4235% | 3,547 |
| Equity capital to assets | 9.6463% | 4,536 |
| Core capital (leverage) ratio | 9.3195% | 4,513 |
| Tier 1 risk-based capital ratio | 19.7067% | 1,661 |
| Total risk-based capital ratio | 20.6973% | 1,704 |
| Memoranda: | ||
| Average total assets | $61,360,800 | 5,515 |
| Average earning assets | $55,459,000 | 5,534 |
| Average equity | $5,745,800 | 5,679 |
| Average total loans | $24,793,800 | 5,786 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3045% | 2,613 |
| Cost of funding earning assets | 0.3892% | 3,909 |
| Net interest margin | 3.9153% | 2,173 |
| Noninterest income to average assets | 1.2315% | 800 |
| Noninterest expense to average assets | 3.8762% | 876 |
| Loan and lease loss provision to assets | 0.0584% | 3,201 |
| Net operating income to assets | 0.8462% | 3,197 |
| Return on assets (ROA) | 0.8462% | 3,289 |
| Pretax return on assets | 0.8462% | 4,197 |
| Return on Equity (ROE) | 9.1044% | 2,623 |
| Retained earnings to average equity (ytd only) | 9.1044% | 956 |
| Net charge-offs to loans | 0.1671% | 2,128 |
| Credit loss provision to net charge-offs | 87.0968% | 2,479 |
| Earnings coverage of net charge-offs (x) | 13.4846% | 2,220 |
| Efficiency ratio | 81.0774% | 1,745 |
| Assets per employee ($millions) | 2.5656% | 6,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 4,525 |
| Loan loss allowance to noncurrent loans | 128.2511% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 4,790 |
| Noncurrent loans to loans | 0.8935% | 3,331 |
| Net loans and leases to total assets | 40.0666% | 5,809 |
| Net loans and leases to deposits | 48.1104% | 5,758 |
| Net loans and leases to core deposits | 51.2921% | 5,723 |
| Total domestic deposits to total assets | 83.2806% | 4,039 |
| Equity capital to assets | 9.6922% | 4,557 |
| Core capital (leverage) ratio | 9.5031% | 4,366 |
| Tier 1 risk-based capital ratio | 20.6242% | 1,522 |
| Total risk-based capital ratio | 21.6182% | 1,549 |
| Memoranda: | ||
| Average total assets | $61,604,500 | 5,575 |
| Average earning assets | $55,847,250 | 5,585 |
| Average equity | $5,726,000 | 5,736 |
| Average total loans | $24,728,750 | 5,854 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 2,958 |
| Cost of funding earning assets | 0.3875% | 4,026 |
| Net interest margin | 3.8108% | 2,531 |
| Noninterest income to average assets | 1.1751% | 849 |
| Noninterest expense to average assets | 3.7459% | 1,060 |
| Loan and lease loss provision to assets | 0.0584% | 3,119 |
| Net operating income to assets | 0.8505% | 3,071 |
| Return on assets (ROA) | 0.8505% | 3,173 |
| Pretax return on assets | 0.8505% | 4,078 |
| Return on Equity (ROE) | 9.2820% | 2,464 |
| Retained earnings to average equity (ytd only) | 9.2820% | 887 |
| Net charge-offs to loans | 0.1136% | 2,527 |
| Credit loss provision to net charge-offs | 128.5714% | 1,620 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,597 |
| Efficiency ratio | 80.4742% | 1,947 |
| Assets per employee ($millions) | 2.6187% | 6,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 4,463 |
| Loan loss allowance to noncurrent loans | 55.7875% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 0.8624% | 3,386 |
| Noncurrent loans to loans | 2.1354% | 1,558 |
| Net loans and leases to total assets | 38.8000% | 5,904 |
| Net loans and leases to deposits | 43.0458% | 6,024 |
| Net loans and leases to core deposits | 45.6016% | 6,010 |
| Total domestic deposits to total assets | 90.1365% | 743 |
| Equity capital to assets | 9.5166% | 4,730 |
| Core capital (leverage) ratio | 8.9620% | 5,080 |
| Tier 1 risk-based capital ratio | 20.5491% | 1,555 |
| Total risk-based capital ratio | 21.5893% | 1,577 |
| Memoranda: | ||
| Average total assets | $61,614,330 | 5,621 |
| Average earning assets | $56,261,000 | 5,608 |
| Average equity | $5,645,330 | 5,794 |
| Average total loans | $24,652,670 | 5,899 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1160% | 3,222 |
| Cost of funding earning assets | 0.3951% | 4,032 |
| Net interest margin | 3.7209% | 2,782 |
| Noninterest income to average assets | 1.1476% | 846 |
| Noninterest expense to average assets | 3.7379% | 1,076 |
| Loan and lease loss provision to assets | 0.0590% | 2,928 |
| Net operating income to assets | 0.7476% | 3,432 |
| Return on assets (ROA) | 0.7476% | 3,514 |
| Pretax return on assets | 0.7476% | 4,323 |
| Return on Equity (ROE) | 8.3250% | 2,783 |
| Retained earnings to average equity (ytd only) | 8.3250% | 1,489 |
| Net charge-offs to loans | 0.1461% | 1,847 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 1,658 |
| Efficiency ratio | 82.2511% | 1,893 |
| Assets per employee ($millions) | 2.7663% | 6,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 4,672 |
| Loan loss allowance to noncurrent loans | 97.9730% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 4,674 |
| Noncurrent loans to loans | 1.2166% | 3,013 |
| Net loans and leases to total assets | 37.7855% | 5,957 |
| Net loans and leases to deposits | 41.5963% | 6,098 |
| Net loans and leases to core deposits | 43.7547% | 6,085 |
| Total domestic deposits to total assets | 90.8385% | 629 |
| Equity capital to assets | 8.9320% | 5,181 |
| Core capital (leverage) ratio | 9.4538% | 4,344 |
| Tier 1 risk-based capital ratio | 20.4061% | 1,616 |
| Total risk-based capital ratio | 21.4520% | 1,638 |
| Memoranda: | ||
| Average total assets | $60,997,500 | 5,684 |
| Average earning assets | $55,685,000 | 5,682 |
| Average equity | $5,477,500 | 5,874 |
| Average total loans | $24,639,500 | 5,955 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5795% | 1,935 |
| Cost of funding earning assets | 0.4909% | 3,697 |
| Net interest margin | 4.0886% | 1,679 |
| Noninterest income to average assets | 1.3514% | 762 |
| Noninterest expense to average assets | 3.9150% | 968 |
| Loan and lease loss provision to assets | 0.0103% | 4,919 |
| Net operating income to assets | 1.2208% | 1,485 |
| Return on assets (ROA) | 1.2208% | 1,552 |
| Pretax return on assets | 1.2208% | 2,495 |
| Return on Equity (ROE) | 12.0184% | 1,414 |
| Retained earnings to average equity (ytd only) | 2.6576% | 4,355 |
| Net charge-offs to loans | 0.0586% | 4,404 |
| Credit loss provision to net charge-offs | 42.8571% | 3,978 |
| Earnings coverage of net charge-offs (x) | 51.1429% | 780 |
| Efficiency ratio | 76.0775% | 2,758 |
| Assets per employee ($millions) | 2.5378% | 6,372 |
| Cash dividends to net income (ytd only)* | 77.8873% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 4,850 |
| Loan loss allowance to noncurrent loans | 83.8150% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6253% | 4,360 |
| Noncurrent loans to loans | 1.3869% | 2,817 |
| Net loans and leases to total assets | 42.2443% | 5,811 |
| Net loans and leases to deposits | 49.2992% | 5,812 |
| Net loans and leases to core deposits | 52.6307% | 5,752 |
| Total domestic deposits to total assets | 85.6896% | 3,404 |
| Equity capital to assets | 9.0320% | 4,997 |
| Core capital (leverage) ratio | 9.3552% | 4,465 |
| Tier 1 risk-based capital ratio | 20.7431% | 1,479 |
| Total risk-based capital ratio | 21.8281% | 1,497 |
| Memoranda: | ||
| Average total assets | $58,160,200 | 5,806 |
| Average earning assets | $53,979,800 | 5,763 |
| Average equity | $5,907,600 | 5,843 |
| Average total loans | $23,880,600 | 6,038 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5576% | 2,014 |
| Cost of funding earning assets | 0.5070% | 3,700 |
| Net interest margin | 4.0506% | 1,786 |
| Noninterest income to average assets | 1.3423% | 814 |
| Noninterest expense to average assets | 3.7057% | 1,239 |
| Loan and lease loss provision to assets | 0.0046% | 4,873 |
| Net operating income to assets | 1.3905% | 1,125 |
| Return on assets (ROA) | 1.3905% | 1,172 |
| Pretax return on assets | 1.3905% | 1,960 |
| Return on Equity (ROE) | 13.3187% | 1,166 |
| Retained earnings to average equity (ytd only) | 11.7363% | 463 |
| Net charge-offs to loans | 0.0847% | 3,737 |
| Credit loss provision to net charge-offs | 13.3333% | 4,176 |
| Earnings coverage of net charge-offs (x) | 40.5325% | 996 |
| Efficiency ratio | 72.6496% | 3,292 |
| Assets per employee ($millions) | 2.5860% | 6,397 |
| Cash dividends to net income (ytd only)* | 11.8815% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 5,197 |
| Loan loss allowance to noncurrent loans | 81.6619% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 0.6456% | 4,503 |
| Noncurrent loans to loans | 1.3864% | 3,096 |
| Net loans and leases to total assets | 41.8457% | 5,913 |
| Net loans and leases to deposits | 48.6503% | 5,922 |
| Net loans and leases to core deposits | 51.8510% | 5,895 |
| Total domestic deposits to total assets | 86.0133% | 3,244 |
| Equity capital to assets | 9.5481% | 4,491 |
| Core capital (leverage) ratio | 9.8928% | 3,827 |
| Tier 1 risk-based capital ratio | 22.3295% | 1,254 |
| Total risk-based capital ratio | 23.4041% | 1,274 |
| Memoranda: | ||
| Average total assets | $58,107,750 | 5,869 |
| Average earning assets | $53,916,250 | 5,826 |
| Average equity | $6,066,500 | 5,876 |
| Average total loans | $23,613,750 | 6,111 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5824% | 1,899 |
| Cost of funding earning assets | 0.5391% | 3,510 |
| Net interest margin | 4.0433% | 1,721 |
| Noninterest income to average assets | 1.3044% | 914 |
| Noninterest expense to average assets | 3.6426% | 1,347 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4085% | 1,061 |
| Return on assets (ROA) | 1.4085% | 1,146 |
| Pretax return on assets | 1.4085% | 1,902 |
| Return on Equity (ROE) | 13.1059% | 1,222 |
| Retained earnings to average equity (ytd only) | 10.7817% | 685 |
| Net charge-offs to loans | 0.0953% | 3,414 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 36.9091% | 983 |
| Efficiency ratio | 72.1154% | 3,448 |
| Assets per employee ($millions) | 2.5966% | 6,405 |
| Cash dividends to net income (ytd only)* | 17.7340% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 4,885 |
| Loan loss allowance to noncurrent loans | 91.9872% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5810% | 4,799 |
| Noncurrent loans to loans | 1.3255% | 3,344 |
| Net loans and leases to total assets | 38.9321% | 6,115 |
| Net loans and leases to deposits | 43.3230% | 6,267 |
| Net loans and leases to core deposits | 46.0261% | 6,233 |
| Total domestic deposits to total assets | 89.8647% | 1,109 |
| Equity capital to assets | 9.5476% | 4,520 |
| Core capital (leverage) ratio | 9.4345% | 4,340 |
| Tier 1 risk-based capital ratio | 21.8109% | 1,322 |
| Total risk-based capital ratio | 22.9051% | 1,327 |
| Memoranda: | ||
| Average total assets | $57,651,000 | 5,927 |
| Average earning assets | $53,422,330 | 5,881 |
| Average equity | $6,195,670 | 5,881 |
| Average total loans | $23,093,670 | 6,171 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6041% | 1,813 |
| Cost of funding earning assets | 0.5678% | 3,396 |
| Net interest margin | 4.0362% | 1,662 |
| Noninterest income to average assets | 1.2788% | 930 |
| Noninterest expense to average assets | 3.9777% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0174% | 2,154 |
| Return on assets (ROA) | 1.0174% | 2,273 |
| Pretax return on assets | 1.0174% | 3,273 |
| Return on Equity (ROE) | 8.9406% | 2,510 |
| Retained earnings to average equity (ytd only) | 8.9406% | 1,399 |
| Net charge-offs to loans | -0.1224% | 6,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6322% | 2,386 |
| Assets per employee ($millions) | 2.4931% | 6,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 4,494 |
| Loan loss allowance to noncurrent loans | 128.8136% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 5,179 |
| Noncurrent loans to loans | 1.0437% | 4,054 |
| Net loans and leases to total assets | 38.9024% | 6,088 |
| Net loans and leases to deposits | 43.9452% | 6,210 |
| Net loans and leases to core deposits | 47.1477% | 6,143 |
| Total domestic deposits to total assets | 88.5248% | 1,989 |
| Equity capital to assets | 11.1787% | 2,766 |
| Core capital (leverage) ratio | 10.1173% | 3,255 |
| Tier 1 risk-based capital ratio | 21.6108% | 1,401 |
| Total risk-based capital ratio | 22.7989% | 1,385 |
| Memoranda: | ||
| Average total assets | $56,615,500 | 6,008 |
| Average earning assets | $52,128,000 | 5,980 |
| Average equity | $6,442,500 | 5,878 |
| Average total loans | $22,871,500 | 6,231 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1242% | 1,256 |
| Cost of funding earning assets | 0.6705% | 3,739 |
| Net interest margin | 4.4538% | 1,037 |
| Noninterest income to average assets | 2.1537% | 391 |
| Noninterest expense to average assets | 4.4123% | 620 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.8466% | 476 |
| Return on assets (ROA) | 1.8466% | 530 |
| Pretax return on assets | 1.8466% | 837 |
| Return on Equity (ROE) | 16.1156% | 645 |
| Retained earnings to average equity (ytd only) | 8.6838% | 916 |
| Net charge-offs to loans | 0.0807% | 4,862 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 55.7778% | 630 |
| Efficiency ratio | 70.4966% | 3,716 |
| Assets per employee ($millions) | 2.3288% | 6,756 |
| Cash dividends to net income (ytd only)* | 46.1155% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 4,698 |
| Loan loss allowance to noncurrent loans | 103.4722% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 5,010 |
| Noncurrent loans to loans | 1.2450% | 3,759 |
| Net loans and leases to total assets | 40.8553% | 6,110 |
| Net loans and leases to deposits | 46.7929% | 6,192 |
| Net loans and leases to core deposits | 50.9346% | 6,090 |
| Total domestic deposits to total assets | 87.3108% | 2,641 |
| Equity capital to assets | 11.5853% | 2,361 |
| Core capital (leverage) ratio | 9.8806% | 3,567 |
| Tier 1 risk-based capital ratio | 21.1029% | 1,433 |
| Total risk-based capital ratio | 22.2701% | 1,430 |
| Memoranda: | ||
| Average total assets | $54,371,200 | 6,070 |
| Average earning assets | $50,115,000 | 6,047 |
| Average equity | $6,230,000 | 5,961 |
| Average total loans | $22,306,400 | 6,331 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1810% | 1,238 |
| Cost of funding earning assets | 0.6888% | 3,864 |
| Net interest margin | 4.4921% | 1,007 |
| Noninterest income to average assets | 1.2965% | 880 |
| Noninterest expense to average assets | 4.3759% | 615 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0594% | 2,257 |
| Return on assets (ROA) | 1.0594% | 2,468 |
| Pretax return on assets | 1.0594% | 3,507 |
| Return on Equity (ROE) | 9.2724% | 2,683 |
| Retained earnings to average equity (ytd only) | 9.2724% | 1,129 |
| Net charge-offs to loans | 0.1086% | 4,306 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 23.8329% | 1,303 |
| Efficiency ratio | 80.5089% | 2,014 |
| Assets per employee ($millions) | 2.3925% | 6,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 4,611 |
| Loan loss allowance to noncurrent loans | 132.4444% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 5,466 |
| Noncurrent loans to loans | 1.0147% | 4,422 |
| Net loans and leases to total assets | 39.7561% | 6,304 |
| Net loans and leases to deposits | 45.1705% | 6,447 |
| Net loans and leases to core deposits | 49.1872% | 6,332 |
| Total domestic deposits to total assets | 88.0134% | 2,037 |
| Equity capital to assets | 11.6722% | 2,566 |
| Core capital (leverage) ratio | 9.7222% | 3,918 |
| Tier 1 risk-based capital ratio | 21.4190% | 1,438 |
| Total risk-based capital ratio | 22.6333% | 1,411 |
| Memoranda: | ||
| Average total assets | $53,991,500 | 6,157 |
| Average earning assets | $49,745,000 | 6,127 |
| Average equity | $6,168,750 | 6,047 |
| Average total loans | $22,100,000 | 6,418 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2401% | 1,161 |
| Cost of funding earning assets | 0.7063% | 3,963 |
| Net interest margin | 4.5339% | 938 |
| Noninterest income to average assets | 1.3198% | 816 |
| Noninterest expense to average assets | 4.4328% | 587 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0513% | 2,245 |
| Return on assets (ROA) | 1.0513% | 2,474 |
| Pretax return on assets | 1.0513% | 3,510 |
| Return on Equity (ROE) | 9.2702% | 2,679 |
| Retained earnings to average equity (ytd only) | 9.2702% | 1,186 |
| Net charge-offs to loans | 0.1450% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 17.6250% | 1,519 |
| Efficiency ratio | 80.8294% | 2,060 |
| Assets per employee ($millions) | 2.3961% | 6,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 4,741 |
| Loan loss allowance to noncurrent loans | 147.7833% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 5,240 |
| Noncurrent loans to loans | 0.9005% | 4,695 |
| Net loans and leases to total assets | 40.3593% | 6,317 |
| Net loans and leases to deposits | 45.6508% | 6,462 |
| Net loans and leases to core deposits | 49.6706% | 6,354 |
| Total domestic deposits to total assets | 88.4086% | 1,876 |
| Equity capital to assets | 11.2956% | 2,797 |
| Core capital (leverage) ratio | 9.5476% | 4,080 |
| Tier 1 risk-based capital ratio | 20.4776% | 1,579 |
| Total risk-based capital ratio | 21.6796% | 1,571 |
| Memoranda: | ||
| Average total assets | $53,646,000 | 6,203 |
| Average earning assets | $49,273,670 | 6,183 |
| Average equity | $6,084,000 | 6,096 |
| Average total loans | $22,075,000 | 6,461 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3914% | 925 |
| Cost of funding earning assets | 0.7255% | 4,073 |
| Net interest margin | 4.6660% | 732 |
| Noninterest income to average assets | 1.3153% | 825 |
| Noninterest expense to average assets | 4.3467% | 630 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2473% | 1,609 |
| Return on assets (ROA) | 1.2473% | 1,783 |
| Pretax return on assets | 1.2473% | 2,737 |
| Return on Equity (ROE) | 10.9753% | 2,031 |
| Retained earnings to average equity (ytd only) | 10.9753% | 1,035 |
| Net charge-offs to loans | 0.3846% | 2,155 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 7.8571% | 2,028 |
| Efficiency ratio | 77.7027% | 2,535 |
| Assets per employee ($millions) | 2.1585% | 7,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 4,735 |
| Loan loss allowance to noncurrent loans | 139.1509% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.6227% | 5,337 |
| Noncurrent loans to loans | 0.9830% | 4,704 |
| Net loans and leases to total assets | 39.4203% | 6,395 |
| Net loans and leases to deposits | 44.5394% | 6,524 |
| Net loans and leases to core deposits | 48.5230% | 6,427 |
| Total domestic deposits to total assets | 88.5067% | 2,011 |
| Equity capital to assets | 11.1931% | 2,719 |
| Core capital (leverage) ratio | 9.6784% | 3,799 |
| Tier 1 risk-based capital ratio | 20.5142% | 1,586 |
| Total risk-based capital ratio | 21.7219% | 1,571 |
| Memoranda: | ||
| Average total assets | $52,914,000 | 6,269 |
| Average earning assets | $48,521,500 | 6,260 |
| Average equity | $6,013,500 | 6,144 |
| Average total loans | $21,841,500 | 6,522 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4851% | 1,200 |
| Cost of funding earning assets | 0.8117% | 4,778 |
| Net interest margin | 4.6735% | 795 |
| Noninterest income to average assets | 1.4152% | 648 |
| Noninterest expense to average assets | 4.5367% | 570 |
| Loan and lease loss provision to assets | 0.0096% | 6,415 |
| Net operating income to assets | 1.1471% | 1,676 |
| Return on assets (ROA) | 1.1471% | 1,788 |
| Pretax return on assets | 1.1471% | 2,665 |
| Return on Equity (ROE) | 9.9090% | 2,090 |
| Retained earnings to average equity (ytd only) | 1.2572% | 5,264 |
| Net charge-offs to loans | 0.2179% | 4,427 |
| Credit loss provision to net charge-offs | 10.8696% | 6,005 |
| Earnings coverage of net charge-offs (x) | 13.1304% | 1,564 |
| Efficiency ratio | 79.6838% | 2,351 |
| Assets per employee ($millions) | 2.3575% | 6,958 |
| Cash dividends to net income (ytd only)* | 87.3122% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 4,336 |
| Loan loss allowance to noncurrent loans | 111.2676% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.6710% | 5,309 |
| Noncurrent loans to loans | 1.2841% | 4,226 |
| Net loans and leases to total assets | 42.0314% | 6,386 |
| Net loans and leases to deposits | 47.7724% | 6,511 |
| Net loans and leases to core deposits | 52.2531% | 6,415 |
| Total domestic deposits to total assets | 87.9825% | 2,170 |
| Equity capital to assets | 11.5432% | 2,465 |
| Core capital (leverage) ratio | 9.4254% | 4,151 |
| Tier 1 risk-based capital ratio | 19.7764% | 1,690 |
| Total risk-based capital ratio | 21.0251% | 1,660 |
| Memoranda: | ||
| Average total assets | $52,218,600 | 6,297 |
| Average earning assets | $47,801,800 | 6,264 |
| Average equity | $6,045,000 | 6,147 |
| Average total loans | $21,111,600 | 6,601 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4572% | 1,373 |
| Cost of funding earning assets | 0.8310% | 4,939 |
| Net interest margin | 4.6262% | 901 |
| Noninterest income to average assets | 1.4351% | 639 |
| Noninterest expense to average assets | 4.4098% | 630 |
| Loan and lease loss provision to assets | 0.0128% | 6,273 |
| Net operating income to assets | 1.2414% | 1,539 |
| Return on assets (ROA) | 1.2414% | 1,641 |
| Pretax return on assets | 1.2414% | 2,485 |
| Return on Equity (ROE) | 10.7157% | 1,955 |
| Retained earnings to average equity (ytd only) | 10.7157% | 679 |
| Net charge-offs to loans | 0.2429% | 3,905 |
| Credit loss provision to net charge-offs | 13.1579% | 5,638 |
| Earnings coverage of net charge-offs (x) | 12.9461% | 1,659 |
| Efficiency ratio | 77.8578% | 2,564 |
| Assets per employee ($millions) | 2.2035% | 7,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 3,870 |
| Loan loss allowance to noncurrent loans | 73.3032% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 0.9587% | 4,824 |
| Noncurrent loans to loans | 2.1203% | 3,218 |
| Net loans and leases to total assets | 38.8064% | 6,724 |
| Net loans and leases to deposits | 44.3498% | 6,816 |
| Net loans and leases to core deposits | 48.4466% | 6,744 |
| Total domestic deposits to total assets | 87.5007% | 2,353 |
| Equity capital to assets | 12.2213% | 2,075 |
| Core capital (leverage) ratio | 10.2042% | 3,189 |
| Tier 1 risk-based capital ratio | 22.0539% | 1,279 |
| Total risk-based capital ratio | 23.3041% | 1,255 |
| Memoranda: | ||
| Average total assets | $52,306,750 | 6,345 |
| Average earning assets | $47,813,000 | 6,316 |
| Average equity | $6,059,500 | 6,185 |
| Average total loans | $20,860,500 | 6,679 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4466% | 1,421 |
| Cost of funding earning assets | 0.8434% | 5,112 |
| Net interest margin | 4.6032% | 903 |
| Noninterest income to average assets | 1.4737% | 589 |
| Noninterest expense to average assets | 4.4824% | 604 |
| Loan and lease loss provision to assets | 0.0192% | 6,046 |
| Net operating income to assets | 1.1820% | 1,629 |
| Return on assets (ROA) | 1.1820% | 1,715 |
| Pretax return on assets | 1.1820% | 2,553 |
| Return on Equity (ROE) | 10.3966% | 1,988 |
| Retained earnings to average equity (ytd only) | 10.3966% | 769 |
| Net charge-offs to loans | 0.3738% | 3,061 |
| Credit loss provision to net charge-offs | 12.8205% | 5,216 |
| Earnings coverage of net charge-offs (x) | 8.0256% | 2,132 |
| Efficiency ratio | 78.8656% | 2,575 |
| Assets per employee ($millions) | 2.1947% | 7,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5365% | 3,956 |
| Loan loss allowance to noncurrent loans | 67.5732% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.0309% | 4,817 |
| Noncurrent loans to loans | 2.2738% | 3,134 |
| Net loans and leases to total assets | 39.2972% | 6,784 |
| Net loans and leases to deposits | 44.6090% | 6,902 |
| Net loans and leases to core deposits | 48.7058% | 6,822 |
| Total domestic deposits to total assets | 88.0926% | 2,086 |
| Equity capital to assets | 11.6644% | 2,355 |
| Core capital (leverage) ratio | 9.8188% | 3,492 |
| Tier 1 risk-based capital ratio | 21.0942% | 1,402 |
| Total risk-based capital ratio | 22.3445% | 1,381 |
| Memoranda: | ||
| Average total assets | $52,114,670 | 6,406 |
| Average earning assets | $47,662,330 | 6,374 |
| Average equity | $5,925,000 | 6,252 |
| Average total loans | $20,865,330 | 6,752 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4106% | 1,525 |
| Cost of funding earning assets | 0.8596% | 5,210 |
| Net interest margin | 4.5510% | 959 |
| Noninterest income to average assets | 1.4044% | 657 |
| Noninterest expense to average assets | 4.4757% | 607 |
| Loan and lease loss provision to assets | 0.0386% | 5,512 |
| Net operating income to assets | 1.0572% | 1,984 |
| Return on assets (ROA) | 1.0572% | 2,036 |
| Pretax return on assets | 1.0572% | 2,912 |
| Return on Equity (ROE) | 9.4231% | 2,307 |
| Retained earnings to average equity (ytd only) | 9.4231% | 1,254 |
| Net charge-offs to loans | 0.0962% | 3,984 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 28.4000% | 859 |
| Efficiency ratio | 80.3324% | 2,468 |
| Assets per employee ($millions) | 2.1669% | 7,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7473% | 3,184 |
| Loan loss allowance to noncurrent loans | 67.3585% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.4652% | 4,062 |
| Noncurrent loans to loans | 2.5940% | 2,902 |
| Net loans and leases to total assets | 38.6013% | 6,868 |
| Net loans and leases to deposits | 43.6081% | 6,963 |
| Net loans and leases to core deposits | 47.6162% | 6,898 |
| Total domestic deposits to total assets | 88.5186% | 2,064 |
| Equity capital to assets | 11.2429% | 2,467 |
| Core capital (leverage) ratio | 9.6640% | 3,578 |
| Tier 1 risk-based capital ratio | 20.6185% | 1,455 |
| Total risk-based capital ratio | 21.8707% | 1,432 |
| Memoranda: | ||
| Average total assets | $51,835,500 | 6,462 |
| Average earning assets | $47,462,000 | 6,433 |
| Average equity | $5,815,500 | 6,305 |
| Average total loans | $20,787,000 | 6,802 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5817% | 1,973 |
| Cost of funding earning assets | 0.9687% | 5,851 |
| Net interest margin | 4.6130% | 985 |
| Noninterest income to average assets | 1.4675% | 674 |
| Noninterest expense to average assets | 4.5741% | 605 |
| Loan and lease loss provision to assets | 0.0924% | 6,219 |
| Net operating income to assets | 1.0318% | 1,931 |
| Return on assets (ROA) | 1.0318% | 2,037 |
| Pretax return on assets | 1.0318% | 2,834 |
| Return on Equity (ROE) | 9.0997% | 2,253 |
| Retained earnings to average equity (ytd only) | 0.9815% | 5,051 |
| Net charge-offs to loans | 0.1503% | 5,451 |
| Credit loss provision to net charge-offs | 158.0645% | 2,224 |
| Earnings coverage of net charge-offs (x) | 19.2258% | 1,069 |
| Efficiency ratio | 80.2714% | 2,378 |
| Assets per employee ($millions) | 2.2463% | 7,262 |
| Cash dividends to net income (ytd only)* | 89.2139% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6886% | 3,263 |
| Loan loss allowance to noncurrent loans | 63.6364% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.5194% | 4,036 |
| Noncurrent loans to loans | 2.6535% | 2,864 |
| Net loans and leases to total assets | 40.2303% | 6,950 |
| Net loans and leases to deposits | 46.9431% | 7,001 |
| Net loans and leases to core deposits | 51.4340% | 6,929 |
| Total domestic deposits to total assets | 85.7002% | 3,496 |
| Equity capital to assets | 11.1952% | 2,516 |
| Core capital (leverage) ratio | 9.2877% | 4,027 |
| Tier 1 risk-based capital ratio | 19.7385% | 1,542 |
| Total risk-based capital ratio | 20.9923% | 1,513 |
| Memoranda: | ||
| Average total assets | $53,016,200 | 6,431 |
| Average earning assets | $48,623,400 | 6,416 |
| Average equity | $6,011,200 | 6,360 |
| Average total loans | $20,632,200 | 6,893 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5547% | 2,236 |
| Cost of funding earning assets | 0.9807% | 6,030 |
| Net interest margin | 4.5740% | 1,100 |
| Noninterest income to average assets | 1.4694% | 629 |
| Noninterest expense to average assets | 4.4981% | 598 |
| Loan and lease loss provision to assets | 0.0900% | 6,142 |
| Net operating income to assets | 1.0771% | 1,980 |
| Return on assets (ROA) | 1.0771% | 2,086 |
| Pretax return on assets | 1.0771% | 2,904 |
| Return on Equity (ROE) | 9.4702% | 2,329 |
| Retained earnings to average equity (ytd only) | 9.4702% | 916 |
| Net charge-offs to loans | 0.0975% | 5,552 |
| Credit loss provision to net charge-offs | 240.0000% | 1,409 |
| Earnings coverage of net charge-offs (x) | 31.1325% | 856 |
| Efficiency ratio | 79.4001% | 2,437 |
| Assets per employee ($millions) | 2.0986% | 7,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7643% | 2,919 |
| Loan loss allowance to noncurrent loans | 58.5366% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.4867% | 4,223 |
| Noncurrent loans to loans | 3.0140% | 2,644 |
| Net loans and leases to total assets | 38.2072% | 7,175 |
| Net loans and leases to deposits | 44.4555% | 7,223 |
| Net loans and leases to core deposits | 48.7393% | 7,174 |
| Total domestic deposits to total assets | 85.9446% | 3,107 |
| Equity capital to assets | 12.3990% | 1,913 |
| Core capital (leverage) ratio | 9.8750% | 3,390 |
| Tier 1 risk-based capital ratio | 21.7817% | 1,242 |
| Total risk-based capital ratio | 23.0355% | 1,216 |
| Memoranda: | ||
| Average total assets | $53,354,000 | 6,499 |
| Average earning assets | $48,942,500 | 6,472 |
| Average equity | $6,068,000 | 6,428 |
| Average total loans | $20,504,750 | 6,987 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5181% | 2,448 |
| Cost of funding earning assets | 0.9657% | 6,309 |
| Net interest margin | 4.5524% | 1,101 |
| Noninterest income to average assets | 1.4464% | 608 |
| Noninterest expense to average assets | 4.4734% | 595 |
| Loan and lease loss provision to assets | 0.1044% | 5,871 |
| Net operating income to assets | 1.0512% | 2,010 |
| Return on assets (ROA) | 1.0512% | 2,083 |
| Pretax return on assets | 1.0512% | 2,926 |
| Return on Equity (ROE) | 9.5233% | 2,264 |
| Retained earnings to average equity (ytd only) | 9.5233% | 960 |
| Net charge-offs to loans | 0.0584% | 5,574 |
| Credit loss provision to net charge-offs | 466.6667% | 790 |
| Earnings coverage of net charge-offs (x) | 51.6667% | 576 |
| Efficiency ratio | 79.4702% | 2,509 |
| Assets per employee ($millions) | 2.0043% | 7,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7655% | 2,834 |
| Loan loss allowance to noncurrent loans | 53.3235% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 1.3674% | 4,435 |
| Noncurrent loans to loans | 3.3110% | 2,418 |
| Net loans and leases to total assets | 37.1166% | 7,311 |
| Net loans and leases to deposits | 43.9644% | 7,322 |
| Net loans and leases to core deposits | 47.8352% | 7,288 |
| Total domestic deposits to total assets | 84.4242% | 3,904 |
| Equity capital to assets | 11.5215% | 2,428 |
| Core capital (leverage) ratio | 9.3427% | 4,052 |
| Tier 1 risk-based capital ratio | 21.2676% | 1,303 |
| Total risk-based capital ratio | 22.5199% | 1,274 |
| Memoranda: | ||
| Average total assets | $53,650,670 | 6,532 |
| Average earning assets | $49,292,330 | 6,497 |
| Average equity | $5,922,330 | 6,490 |
| Average total loans | $20,538,000 | 7,038 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5867% | 2,206 |
| Cost of funding earning assets | 0.9773% | 6,483 |
| Net interest margin | 4.6094% | 932 |
| Noninterest income to average assets | 1.4153% | 601 |
| Noninterest expense to average assets | 4.5004% | 580 |
| Loan and lease loss provision to assets | 0.0225% | 6,428 |
| Net operating income to assets | 1.1307% | 1,740 |
| Return on assets (ROA) | 1.1307% | 1,812 |
| Pretax return on assets | 1.1307% | 2,626 |
| Return on Equity (ROE) | 10.4752% | 1,958 |
| Retained earnings to average equity (ytd only) | 10.4752% | 1,051 |
| Net charge-offs to loans | 0.0972% | 4,445 |
| Credit loss provision to net charge-offs | 60.0000% | 4,297 |
| Earnings coverage of net charge-offs (x) | 30.8000% | 852 |
| Efficiency ratio | 79.6026% | 2,630 |
| Assets per employee ($millions) | 2.4222% | 7,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6772% | 3,146 |
| Loan loss allowance to noncurrent loans | 51.0606% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 1.3737% | 4,451 |
| Noncurrent loans to loans | 3.2847% | 2,428 |
| Net loans and leases to total assets | 37.0740% | 7,386 |
| Net loans and leases to deposits | 43.6520% | 7,416 |
| Net loans and leases to core deposits | 44.7677% | 7,462 |
| Total domestic deposits to total assets | 84.9309% | 3,706 |
| Equity capital to assets | 11.0119% | 2,746 |
| Core capital (leverage) ratio | 9.2460% | 4,145 |
| Tier 1 risk-based capital ratio | 20.8444% | 1,368 |
| Total risk-based capital ratio | 22.0960% | 1,338 |
| Memoranda: | ||
| Average total assets | $53,418,000 | 6,623 |
| Average earning assets | $49,117,000 | 6,584 |
| Average equity | $5,766,000 | 6,592 |
| Average total loans | $20,583,500 | 7,122 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0425% | 1,704 |
| Cost of funding earning assets | 1.2296% | 6,549 |
| Net interest margin | 4.8128% | 673 |
| Noninterest income to average assets | 1.4286% | 719 |
| Noninterest expense to average assets | 4.5748% | 735 |
| Loan and lease loss provision to assets | 0.2435% | 5,436 |
| Net operating income to assets | 1.0253% | 1,762 |
| Return on assets (ROA) | 1.0253% | 1,805 |
| Pretax return on assets | 1.0253% | 2,506 |
| Return on Equity (ROE) | 9.1885% | 1,965 |
| Retained earnings to average equity (ytd only) | 0.6648% | 4,533 |
| Net charge-offs to loans | 0.4722% | 3,892 |
| Credit loss provision to net charge-offs | 130.6122% | 3,896 |
| Earnings coverage of net charge-offs (x) | 6.8061% | 2,283 |
| Efficiency ratio | 78.2878% | 3,147 |
| Assets per employee ($millions) | 2.2312% | 7,544 |
| Cash dividends to net income (ytd only)* | 92.7644% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 3,249 |
| Loan loss allowance to noncurrent loans | 108.6538% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.7171% | 5,677 |
| Noncurrent loans to loans | 1.4805% | 4,447 |
| Net loans and leases to total assets | 38.7223% | 7,419 |
| Net loans and leases to deposits | 45.3283% | 7,471 |
| Net loans and leases to core deposits | 53.3843% | 7,491 |
| Total domestic deposits to total assets | 85.4262% | 3,336 |
| Equity capital to assets | 10.5774% | 3,097 |
| Core capital (leverage) ratio | 8.9616% | 4,488 |
| Tier 1 risk-based capital ratio | 19.8124% | 1,489 |
| Total risk-based capital ratio | 21.0657% | 1,454 |
| Memoranda: | ||
| Average total assets | $52,570,200 | 6,613 |
| Average earning assets | $48,225,400 | 6,590 |
| Average equity | $5,866,000 | 6,647 |
| Average total loans | $20,753,800 | 7,153 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0659% | 1,771 |
| Cost of funding earning assets | 1.2716% | 6,654 |
| Net interest margin | 4.7943% | 687 |
| Noninterest income to average assets | 1.4142% | 755 |
| Noninterest expense to average assets | 4.5661% | 684 |
| Loan and lease loss provision to assets | 0.1809% | 5,555 |
| Net operating income to assets | 1.0575% | 1,874 |
| Return on assets (ROA) | 1.0575% | 1,934 |
| Pretax return on assets | 1.0575% | 2,713 |
| Return on Equity (ROE) | 9.3522% | 2,141 |
| Retained earnings to average equity (ytd only) | 9.3522% | 751 |
| Net charge-offs to loans | 0.6062% | 2,859 |
| Credit loss provision to net charge-offs | 75.5319% | 5,873 |
| Earnings coverage of net charge-offs (x) | 5.1702% | 2,906 |
| Efficiency ratio | 78.6655% | 3,055 |
| Assets per employee ($millions) | 2.3433% | 7,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 3,921 |
| Loan loss allowance to noncurrent loans | 267.2897% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 6,650 |
| Noncurrent loans to loans | 0.5250% | 6,257 |
| Net loans and leases to total assets | 37.2841% | 7,576 |
| Net loans and leases to deposits | 44.3178% | 7,613 |
| Net loans and leases to core deposits | 51.9533% | 7,646 |
| Total domestic deposits to total assets | 84.1290% | 3,662 |
| Equity capital to assets | 11.6055% | 2,502 |
| Core capital (leverage) ratio | 9.8296% | 3,482 |
| Tier 1 risk-based capital ratio | 22.1990% | 1,200 |
| Total risk-based capital ratio | 23.4468% | 1,179 |
| Memoranda: | ||
| Average total assets | $52,325,750 | 6,665 |
| Average earning assets | $47,916,500 | 6,651 |
| Average equity | $5,916,500 | 6,693 |
| Average total loans | $20,673,750 | 7,220 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1839% | 1,512 |
| Cost of funding earning assets | 1.3375% | 6,687 |
| Net interest margin | 4.8464% | 605 |
| Noninterest income to average assets | 1.4015% | 771 |
| Noninterest expense to average assets | 4.6330% | 671 |
| Loan and lease loss provision to assets | 0.1467% | 5,608 |
| Net operating income to assets | 1.0424% | 1,965 |
| Return on assets (ROA) | 1.0424% | 2,041 |
| Pretax return on assets | 1.0424% | 2,835 |
| Return on Equity (ROE) | 9.3045% | 2,252 |
| Retained earnings to average equity (ytd only) | 9.3045% | 857 |
| Net charge-offs to loans | 0.7414% | 2,195 |
| Credit loss provision to net charge-offs | 49.3506% | 5,775 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,243 |
| Efficiency ratio | 79.5756% | 3,116 |
| Assets per employee ($millions) | 2.1418% | 7,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 3,977 |
| Loan loss allowance to noncurrent loans | 142.1053% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 6,360 |
| Noncurrent loans to loans | 0.9506% | 5,322 |
| Net loans and leases to total assets | 38.3596% | 7,628 |
| Net loans and leases to deposits | 43.4375% | 7,719 |
| Net loans and leases to core deposits | 50.9970% | 7,740 |
| Total domestic deposits to total assets | 88.3100% | 1,620 |
| Equity capital to assets | 11.4273% | 2,585 |
| Core capital (leverage) ratio | 9.6539% | 3,696 |
| Tier 1 risk-based capital ratio | 22.3327% | 1,206 |
| Total risk-based capital ratio | 23.5528% | 1,183 |
| Memoranda: | ||
| Average total assets | $51,802,000 | 6,756 |
| Average earning assets | $47,251,670 | 6,740 |
| Average equity | $5,803,670 | 6,795 |
| Average total loans | $20,771,330 | 7,279 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1776% | 1,665 |
| Cost of funding earning assets | 1.4075% | 6,707 |
| Net interest margin | 4.7702% | 648 |
| Noninterest income to average assets | 1.3615% | 770 |
| Noninterest expense to average assets | 4.5153% | 698 |
| Loan and lease loss provision to assets | 0.0846% | 5,874 |
| Net operating income to assets | 1.1154% | 1,908 |
| Return on assets (ROA) | 1.1154% | 2,032 |
| Pretax return on assets | 1.1154% | 2,933 |
| Return on Equity (ROE) | 10.0546% | 2,293 |
| Retained earnings to average equity (ytd only) | 10.0546% | 1,175 |
| Net charge-offs to loans | 0.7182% | 1,751 |
| Credit loss provision to net charge-offs | 28.9474% | 4,961 |
| Earnings coverage of net charge-offs (x) | 4.1053% | 2,976 |
| Efficiency ratio | 79.0040% | 3,003 |
| Assets per employee ($millions) | 2.1713% | 7,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 3,376 |
| Loan loss allowance to noncurrent loans | 84.5714% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.8424% | 5,085 |
| Noncurrent loans to loans | 1.6812% | 3,736 |
| Net loans and leases to total assets | 39.3813% | 7,599 |
| Net loans and leases to deposits | 44.4257% | 7,709 |
| Net loans and leases to core deposits | 51.7188% | 7,737 |
| Total domestic deposits to total assets | 88.6454% | 1,399 |
| Equity capital to assets | 11.1685% | 2,839 |
| Core capital (leverage) ratio | 9.5100% | 3,970 |
| Tier 1 risk-based capital ratio | 21.1932% | 1,422 |
| Total risk-based capital ratio | 22.4471% | 1,386 |
| Memoranda: | ||
| Average total assets | $52,001,500 | 6,782 |
| Average earning assets | $47,461,500 | 6,766 |
| Average equity | $5,768,500 | 6,853 |
| Average total loans | $21,163,000 | 7,301 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7518% | 1,858 |
| Cost of funding earning assets | 2.0217% | 6,341 |
| Net interest margin | 4.7301% | 912 |
| Noninterest income to average assets | 1.6347% | 520 |
| Noninterest expense to average assets | 4.8982% | 665 |
| Loan and lease loss provision to assets | 0.1074% | 6,000 |
| Net operating income to assets | 0.9335% | 2,859 |
| Return on assets (ROA) | 0.9335% | 2,712 |
| Pretax return on assets | 0.9335% | 3,603 |
| Return on Equity (ROE) | 8.7421% | 2,735 |
| Retained earnings to average equity (ytd only) | -4.0601% | 6,336 |
| Net charge-offs to loans | 0.4666% | 2,495 |
| Credit loss provision to net charge-offs | 53.9216% | 6,306 |
| Earnings coverage of net charge-offs (x) | 5.2255% | 3,722 |
| Efficiency ratio | 82.4729% | 2,241 |
| Assets per employee ($millions) | 2.0757% | 7,845 |
| Cash dividends to net income (ytd only)* | 146.4435% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 2,992 |
| Loan loss allowance to noncurrent loans | 79.8450% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 0.9558% | 4,438 |
| Noncurrent loans to loans | 1.7993% | 3,057 |
| Net loans and leases to total assets | 40.8522% | 7,634 |
| Net loans and leases to deposits | 47.5367% | 7,732 |
| Net loans and leases to core deposits | 54.6084% | 7,783 |
| Total domestic deposits to total assets | 85.9381% | 2,428 |
| Equity capital to assets | 11.0171% | 3,027 |
| Core capital (leverage) ratio | 9.1646% | 4,497 |
| Tier 1 risk-based capital ratio | 20.0137% | 1,620 |
| Total risk-based capital ratio | 21.2646% | 1,583 |
| Memoranda: | ||
| Average total assets | $51,202,400 | 6,724 |
| Average earning assets | $46,594,800 | 6,737 |
| Average equity | $5,467,800 | 6,992 |
| Average total loans | $21,858,600 | 7,204 |