Home > Lakeview Bank > Performance and Condition Ratios
Lakeview Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3289% | 1,437 |
| Cost of funding earning assets | 0.9947% | 3,308 |
| Net interest margin | 4.3341% | 769 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.8062% | 1,478 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.0611% | 2,039 |
| Return on assets (ROA) | 1.0611% | 2,005 |
| Pretax return on assets | 1.5620% | 1,308 |
| Return on Equity (ROE) | 13.4800% | 1,611 |
| Retained earnings to average equity (ytd only) | 10.1197% | 988 |
| Net charge-offs to loans | -0.0027% | 3,726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.5055% | 2,778 |
| Assets per employee ($millions) | 7.2705% | 1,885 |
| Cash dividends to net income (ytd only)* | 24.9066% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 2,025 |
| Loan loss allowance to noncurrent loans | 439.8827% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 2,157 |
| Noncurrent loans to loans | 0.2838% | 2,167 |
| Net loans and leases to total assets | 74.1700% | 1,336 |
| Net loans and leases to deposits | 90.4098% | 1,232 |
| Net loans and leases to core deposits | 92.3867% | 1,874 |
| Total domestic deposits to total assets | 82.0400% | 3,124 |
| Equity capital to assets | 8.1349% | 3,325 |
| Core capital (leverage) ratio | 9.3345% | 3,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8290% | 1,589 |
| Memoranda: | ||
| Average total assets | $151,345,800 | 3,348 |
| Average earning assets | $143,557,600 | 3,307 |
| Average equity | $11,917,400 | 3,534 |
| Average total loans | $110,681,200 | 3,050 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2140% | 1,432 |
| Cost of funding earning assets | 0.8403% | 3,427 |
| Net interest margin | 4.3738% | 726 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.7087% | 1,633 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.1671% | 1,886 |
| Return on assets (ROA) | 1.1671% | 1,867 |
| Pretax return on assets | 1.7149% | 1,140 |
| Return on Equity (ROE) | 14.9500% | 1,445 |
| Retained earnings to average equity (ytd only) | 10.3744% | 1,304 |
| Net charge-offs to loans | 0.0025% | 2,459 |
| Credit loss provision to net charge-offs | 5,000.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 1,009.5000% | 158 |
| Efficiency ratio | 59.7030% | 3,000 |
| Assets per employee ($millions) | 7.2498% | 1,788 |
| Cash dividends to net income (ytd only)* | 30.6279% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,048 |
| Loan loss allowance to noncurrent loans | 294.0937% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 1,734 |
| Noncurrent loans to loans | 0.4289% | 1,756 |
| Net loans and leases to total assets | 74.2400% | 1,313 |
| Net loans and leases to deposits | 86.3438% | 1,530 |
| Net loans and leases to core deposits | 87.5476% | 2,087 |
| Total domestic deposits to total assets | 85.9800% | 2,200 |
| Equity capital to assets | 7.7486% | 3,211 |
| Core capital (leverage) ratio | 9.3277% | 3,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8708% | 1,598 |
| Memoranda: | ||
| Average total assets | $149,194,250 | 3,380 |
| Average earning assets | $141,537,250 | 3,336 |
| Average equity | $11,643,750 | 3,561 |
| Average total loans | $108,315,750 | 3,082 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0872% | 1,395 |
| Cost of funding earning assets | 0.6759% | 3,552 |
| Net interest margin | 4.4112% | 696 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.6900% | 1,665 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.1891% | 1,854 |
| Return on assets (ROA) | 1.1891% | 1,849 |
| Pretax return on assets | 1.7493% | 1,116 |
| Return on Equity (ROE) | 15.2000% | 1,430 |
| Retained earnings to average equity (ytd only) | 8.2983% | 1,876 |
| Net charge-offs to loans | 0.0113% | 1,777 |
| Credit loss provision to net charge-offs | 1,666.6667% | 298 |
| Earnings coverage of net charge-offs (x) | 232.6667% | 535 |
| Efficiency ratio | 58.4833% | 3,136 |
| Assets per employee ($millions) | 7.2115% | 1,782 |
| Cash dividends to net income (ytd only)* | 45.4030% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 1,998 |
| Loan loss allowance to noncurrent loans | 368.5422% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 1,908 |
| Noncurrent loans to loans | 0.3483% | 1,882 |
| Net loans and leases to total assets | 73.1700% | 1,389 |
| Net loans and leases to deposits | 83.9750% | 1,669 |
| Net loans and leases to core deposits | 85.3061% | 2,127 |
| Total domestic deposits to total assets | 87.1300% | 1,887 |
| Equity capital to assets | 7.8328% | 3,330 |
| Core capital (leverage) ratio | 9.3144% | 3,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4122% | 1,755 |
| Memoranda: | ||
| Average total assets | $148,177,000 | 3,394 |
| Average earning assets | $140,550,000 | 3,361 |
| Average equity | $11,592,667 | 3,580 |
| Average total loans | $106,262,667 | 3,107 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8945% | 1,423 |
| Cost of funding earning assets | 0.5116% | 3,649 |
| Net interest margin | 4.3829% | 708 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.6586% | 1,776 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.2310% | 1,850 |
| Return on assets (ROA) | 1.2310% | 1,819 |
| Pretax return on assets | 1.8042% | 1,061 |
| Return on Equity (ROE) | 15.7400% | 1,411 |
| Retained earnings to average equity (ytd only) | 1.7804% | 3,737 |
| Net charge-offs to loans | 0.0232% | 1,218 |
| Credit loss provision to net charge-offs | 833.3333% | 402 |
| Earnings coverage of net charge-offs (x) | 118.5000% | 713 |
| Efficiency ratio | 57.5074% | 3,241 |
| Assets per employee ($millions) | 7.3367% | 1,723 |
| Cash dividends to net income (ytd only)* | 88.6918% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 1,888 |
| Loan loss allowance to noncurrent loans | 407.9179% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 1,955 |
| Noncurrent loans to loans | 0.3266% | 1,980 |
| Net loans and leases to total assets | 70.2000% | 1,603 |
| Net loans and leases to deposits | 76.4874% | 2,074 |
| Net loans and leases to core deposits | 77.5323% | 2,423 |
| Total domestic deposits to total assets | 91.7800% | 573 |
| Equity capital to assets | 7.9341% | 3,283 |
| Core capital (leverage) ratio | 9.1621% | 3,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2288% | 1,561 |
| Memoranda: | ||
| Average total assets | $146,545,000 | 3,458 |
| Average earning assets | $139,176,500 | 3,415 |
| Average equity | $11,458,000 | 3,624 |
| Average total loans | $103,268,500 | 3,172 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0155% | 1,673 |
| Cost of funding earning assets | 0.2200% | 3,598 |
| Net interest margin | 3.7956% | 1,165 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.5733% | 1,894 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.9009% | 2,960 |
| Return on assets (ROA) | 0.9009% | 2,894 |
| Pretax return on assets | 1.3253% | 2,008 |
| Return on Equity (ROE) | 12.0400% | 2,123 |
| Retained earnings to average equity (ytd only) | 9.3940% | 1,362 |
| Net charge-offs to loans | -0.0182% | 4,031 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.9921% | 2,494 |
| Assets per employee ($millions) | 7.7030% | 1,486 |
| Cash dividends to net income (ytd only)* | 21.9780% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 1,814 |
| Loan loss allowance to noncurrent loans | 136.8902% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6723% | 736 |
| Noncurrent loans to loans | 0.9634% | 771 |
| Net loans and leases to total assets | 68.8600% | 1,748 |
| Net loans and leases to deposits | 74.8129% | 2,185 |
| Net loans and leases to core deposits | 76.9586% | 2,355 |
| Total domestic deposits to total assets | 92.0500% | 627 |
| Equity capital to assets | 7.7031% | 3,252 |
| Core capital (leverage) ratio | 8.8119% | 3,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3702% | 1,516 |
| Memoranda: | ||
| Average total assets | $151,517,600 | 3,427 |
| Average earning assets | $145,459,600 | 3,372 |
| Average equity | $11,337,000 | 3,731 |
| Average total loans | $98,821,000 | 3,170 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8321% | 1,655 |
| Cost of funding earning assets | 0.2086% | 3,168 |
| Net interest margin | 3.6236% | 1,342 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.4780% | 2,076 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.8045% | 3,241 |
| Return on assets (ROA) | 0.8045% | 3,203 |
| Pretax return on assets | 1.1875% | 2,416 |
| Return on Equity (ROE) | 10.8300% | 2,451 |
| Retained earnings to average equity (ytd only) | 7.3049% | 2,264 |
| Net charge-offs to loans | -0.0041% | 3,427 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.8537% | 2,429 |
| Assets per employee ($millions) | 8.2673% | 1,185 |
| Cash dividends to net income (ytd only)* | 32.5380% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 1,860 |
| Loan loss allowance to noncurrent loans | 135.3659% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 842 |
| Noncurrent loans to loans | 0.9867% | 789 |
| Net loans and leases to total assets | 62.6400% | 2,222 |
| Net loans and leases to deposits | 67.2679% | 2,609 |
| Net loans and leases to core deposits | 69.1767% | 2,706 |
| Total domestic deposits to total assets | 93.1200% | 554 |
| Equity capital to assets | 6.6482% | 3,681 |
| Core capital (leverage) ratio | 8.2227% | 4,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0175% | 1,709 |
| Memoranda: | ||
| Average total assets | $152,807,750 | 3,441 |
| Average earning assets | $147,033,250 | 3,376 |
| Average equity | $11,352,750 | 3,772 |
| Average total loans | $97,992,500 | 3,190 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5886% | 1,881 |
| Cost of funding earning assets | 0.2160% | 2,692 |
| Net interest margin | 3.3726% | 1,681 |
| Noninterest income to average assets | 0.3369% | 3,138 |
| Noninterest expense to average assets | 2.4441% | 2,102 |
| Loan and lease loss provision to assets | 0.0991% | 1,009 |
| Net operating income to assets | 0.7108% | 3,274 |
| Return on assets (ROA) | 0.7108% | 3,225 |
| Pretax return on assets | 1.0530% | 2,562 |
| Return on Equity (ROE) | 9.2313% | 2,619 |
| Retained earnings to average equity (ytd only) | 4.0837% | 3,052 |
| Net charge-offs to loans | -0.0021% | 3,135 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9647% | 2,249 |
| Assets per employee ($millions) | 8.4326% | 1,097 |
| Cash dividends to net income (ytd only)* | 55.7621% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,318 |
| Loan loss allowance to noncurrent loans | 356.8116% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 2,186 |
| Noncurrent loans to loans | 0.3568% | 2,077 |
| Net loans and leases to total assets | 62.8927% | 2,027 |
| Net loans and leases to deposits | 67.9946% | 2,392 |
| Net loans and leases to core deposits | 70.0019% | 2,489 |
| Total domestic deposits to total assets | 92.4967% | 654 |
| Equity capital to assets | 7.2279% | 3,644 |
| Core capital (leverage) ratio | 8.5391% | 3,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6552% | 1,521 |
| Memoranda: | ||
| Average total assets | $151,384,000 | 3,485 |
| Average earning assets | $146,296,333 | 3,432 |
| Average equity | $11,656,000 | 3,820 |
| Average total loans | $97,416,000 | 3,221 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4982% | 1,816 |
| Cost of funding earning assets | 0.2350% | 2,319 |
| Net interest margin | 3.2632% | 1,672 |
| Noninterest income to average assets | 0.2937% | 3,363 |
| Noninterest expense to average assets | 2.3865% | 2,210 |
| Loan and lease loss provision to assets | 0.0661% | 1,237 |
| Net operating income to assets | 0.6853% | 3,110 |
| Return on assets (ROA) | 0.6853% | 3,099 |
| Pretax return on assets | 1.0001% | 2,438 |
| Return on Equity (ROE) | 8.6344% | 2,463 |
| Retained earnings to average equity (ytd only) | -1.3668% | 4,177 |
| Net charge-offs to loans | -0.0041% | 3,280 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1188% | 2,357 |
| Assets per employee ($millions) | 7.9122% | 1,424 |
| Cash dividends to net income (ytd only)* | 115.8301% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 2,800 |
| Loan loss allowance to noncurrent loans | 135.6322% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 1,022 |
| Noncurrent loans to loans | 0.8930% | 1,036 |
| Net loans and leases to total assets | 64.0223% | 1,616 |
| Net loans and leases to deposits | 69.4887% | 2,009 |
| Net loans and leases to core deposits | 71.5669% | 2,147 |
| Total domestic deposits to total assets | 92.1334% | 527 |
| Equity capital to assets | 7.5806% | 3,872 |
| Core capital (leverage) ratio | 8.3641% | 4,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9550% | 1,528 |
| Memoranda: | ||
| Average total assets | $151,182,500 | 3,500 |
| Average earning assets | $146,360,000 | 3,445 |
| Average equity | $11,998,500 | 3,865 |
| Average total loans | $97,777,000 | 3,218 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 784 |
| Cost of funding earning assets | 0.3082% | 2,317 |
| Net interest margin | 4.0418% | 655 |
| Noninterest income to average assets | 0.5111% | 2,510 |
| Noninterest expense to average assets | 2.5835% | 1,912 |
| Loan and lease loss provision to assets | 0.1186% | 1,057 |
| Net operating income to assets | 1.2284% | 1,821 |
| Return on assets (ROA) | 1.2284% | 1,876 |
| Pretax return on assets | 1.7212% | 1,091 |
| Return on Equity (ROE) | 14.9807% | 953 |
| Retained earnings to average equity (ytd only) | 11.6737% | 584 |
| Net charge-offs to loans | 0.0306% | 1,625 |
| Credit loss provision to net charge-offs | 546.8750% | 762 |
| Earnings coverage of net charge-offs (x) | 84.8125% | 962 |
| Efficiency ratio | 58.4061% | 3,379 |
| Assets per employee ($millions) | 8.0017% | 1,333 |
| Cash dividends to net income (ytd only)* | 22.0751% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 2,993 |
| Loan loss allowance to noncurrent loans | 327.8409% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 2,400 |
| Noncurrent loans to loans | 0.3587% | 2,301 |
| Net loans and leases to total assets | 63.7848% | 1,730 |
| Net loans and leases to deposits | 71.0084% | 2,021 |
| Net loans and leases to core deposits | 73.1631% | 2,147 |
| Total domestic deposits to total assets | 89.8272% | 1,046 |
| Equity capital to assets | 8.2883% | 4,188 |
| Core capital (leverage) ratio | 8.3365% | 4,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3866% | 1,417 |
| Memoranda: | ||
| Average total assets | $147,510,600 | 3,510 |
| Average earning assets | $142,781,800 | 3,447 |
| Average equity | $12,095,600 | 3,923 |
| Average total loans | $104,463,000 | 3,144 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6023% | 566 |
| Cost of funding earning assets | 0.3286% | 2,317 |
| Net interest margin | 4.2737% | 478 |
| Noninterest income to average assets | 0.5775% | 2,312 |
| Noninterest expense to average assets | 2.5987% | 1,841 |
| Loan and lease loss provision to assets | 0.1592% | 696 |
| Net operating income to assets | 1.3963% | 1,559 |
| Return on assets (ROA) | 1.3963% | 1,617 |
| Pretax return on assets | 1.9538% | 856 |
| Return on Equity (ROE) | 17.0767% | 752 |
| Retained earnings to average equity (ytd only) | 12.6209% | 699 |
| Net charge-offs to loans | -0.0075% | 3,569 |
| Credit loss provision to net charge-offs | -2,916.6667% | 4,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1517% | 3,637 |
| Assets per employee ($millions) | 7.5039% | 1,569 |
| Cash dividends to net income (ytd only)* | 26.0926% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 2,975 |
| Loan loss allowance to noncurrent loans | 301.7722% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 2,453 |
| Noncurrent loans to loans | 0.3988% | 2,366 |
| Net loans and leases to total assets | 65.2085% | 1,632 |
| Net loans and leases to deposits | 73.4564% | 1,909 |
| Net loans and leases to core deposits | 75.9069% | 2,061 |
| Total domestic deposits to total assets | 88.7718% | 1,418 |
| Equity capital to assets | 8.2957% | 4,352 |
| Core capital (leverage) ratio | 8.4026% | 4,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5583% | 1,463 |
| Memoranda: | ||
| Average total assets | $146,380,000 | 3,556 |
| Average earning assets | $141,606,750 | 3,494 |
| Average equity | $11,969,250 | 3,988 |
| Average total loans | $106,046,750 | 3,164 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0935% | 296 |
| Cost of funding earning assets | 0.3584% | 2,245 |
| Net interest margin | 4.7351% | 243 |
| Noninterest income to average assets | 0.3913% | 3,146 |
| Noninterest expense to average assets | 2.6015% | 1,845 |
| Loan and lease loss provision to assets | 0.1033% | 1,223 |
| Net operating income to assets | 1.6218% | 1,004 |
| Return on assets (ROA) | 1.6218% | 1,059 |
| Pretax return on assets | 2.2735% | 506 |
| Return on Equity (ROE) | 19.9339% | 461 |
| Retained earnings to average equity (ytd only) | 13.1595% | 688 |
| Net charge-offs to loans | -0.0111% | 3,709 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2557% | 4,017 |
| Assets per employee ($millions) | 7.7206% | 1,349 |
| Cash dividends to net income (ytd only)* | 33.9847% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 3,843 |
| Loan loss allowance to noncurrent loans | 271.6418% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 2,562 |
| Noncurrent loans to loans | 0.3658% | 2,596 |
| Net loans and leases to total assets | 74.1642% | 736 |
| Net loans and leases to deposits | 83.5898% | 1,089 |
| Net loans and leases to core deposits | 86.7305% | 1,369 |
| Total domestic deposits to total assets | 88.7240% | 1,432 |
| Equity capital to assets | 8.2697% | 4,377 |
| Core capital (leverage) ratio | 7.8809% | 4,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3897% | 1,505 |
| Memoranda: | ||
| Average total assets | $145,147,667 | 3,575 |
| Average earning assets | $140,610,667 | 3,507 |
| Average equity | $11,809,000 | 4,010 |
| Average total loans | $108,377,333 | 3,144 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3686% | 72 |
| Cost of funding earning assets | 0.3770% | 2,296 |
| Net interest margin | 5.9916% | 66 |
| Noninterest income to average assets | 0.3713% | 3,241 |
| Noninterest expense to average assets | 2.7318% | 1,542 |
| Loan and lease loss provision to assets | 0.1385% | 974 |
| Net operating income to assets | 2.3577% | 340 |
| Return on assets (ROA) | 2.3577% | 360 |
| Pretax return on assets | 3.3136% | 167 |
| Return on Equity (ROE) | 29.2239% | 154 |
| Retained earnings to average equity (ytd only) | 15.4876% | 574 |
| Net charge-offs to loans | -0.0037% | 3,285 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1756% | 4,565 |
| Assets per employee ($millions) | 8.6248% | 939 |
| Cash dividends to net income (ytd only)* | 47.0035% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 4,040 |
| Loan loss allowance to noncurrent loans | 101.2393% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.6757% | 1,390 |
| Noncurrent loans to loans | 0.9315% | 1,451 |
| Net loans and leases to total assets | 71.8576% | 1,045 |
| Net loans and leases to deposits | 80.6804% | 1,454 |
| Net loans and leases to core deposits | 84.7716% | 1,610 |
| Total domestic deposits to total assets | 89.0645% | 1,308 |
| Equity capital to assets | 7.6079% | 4,674 |
| Core capital (leverage) ratio | 8.1587% | 4,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9491% | 1,302 |
| Memoranda: | ||
| Average total assets | $144,375,500 | 3,584 |
| Average earning assets | $140,062,500 | 3,515 |
| Average equity | $11,648,000 | 4,041 |
| Average total loans | $107,623,500 | 3,158 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2748% | 282 |
| Cost of funding earning assets | 0.6203% | 2,180 |
| Net interest margin | 4.6545% | 241 |
| Noninterest income to average assets | 0.4452% | 2,888 |
| Noninterest expense to average assets | 2.7652% | 2,031 |
| Loan and lease loss provision to assets | 0.2295% | 1,697 |
| Net operating income to assets | 1.4167% | 986 |
| Return on assets (ROA) | 1.4167% | 1,069 |
| Pretax return on assets | 1.9348% | 522 |
| Return on Equity (ROE) | 16.3555% | 468 |
| Retained earnings to average equity (ytd only) | 14.0150% | 192 |
| Net charge-offs to loans | 0.2953% | 587 |
| Credit loss provision to net charge-offs | 98.2639% | 2,862 |
| Earnings coverage of net charge-offs (x) | 9.2674% | 2,537 |
| Efficiency ratio | 56.0948% | 3,977 |
| Assets per employee ($millions) | 7.8532% | 1,091 |
| Cash dividends to net income (ytd only)* | 14.3102% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 3,923 |
| Loan loss allowance to noncurrent loans | 246.8293% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 2,768 |
| Noncurrent loans to loans | 0.3995% | 2,776 |
| Net loans and leases to total assets | 76.1148% | 779 |
| Net loans and leases to deposits | 86.7402% | 1,196 |
| Net loans and leases to core deposits | 93.3216% | 1,285 |
| Total domestic deposits to total assets | 87.7503% | 1,587 |
| Equity capital to assets | 8.6027% | 4,372 |
| Core capital (leverage) ratio | 8.1016% | 4,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0690% | 1,503 |
| Memoranda: | ||
| Average total assets | $123,317,800 | 3,708 |
| Average earning assets | $118,809,600 | 3,632 |
| Average equity | $10,681,400 | 4,123 |
| Average total loans | $97,515,800 | 3,269 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6942% | 154 |
| Cost of funding earning assets | 0.6542% | 2,305 |
| Net interest margin | 5.0400% | 132 |
| Noninterest income to average assets | 0.4626% | 2,776 |
| Noninterest expense to average assets | 2.8781% | 1,749 |
| Loan and lease loss provision to assets | 0.0828% | 3,279 |
| Net operating income to assets | 1.7222% | 552 |
| Return on assets (ROA) | 1.7222% | 610 |
| Pretax return on assets | 2.3581% | 256 |
| Return on Equity (ROE) | 19.8459% | 242 |
| Retained earnings to average equity (ytd only) | 16.6655% | 134 |
| Net charge-offs to loans | 0.1108% | 1,234 |
| Credit loss provision to net charge-offs | 93.7500% | 2,675 |
| Earnings coverage of net charge-offs (x) | 27.6375% | 1,657 |
| Efficiency ratio | 54.1096% | 4,133 |
| Assets per employee ($millions) | 8.1912% | 932 |
| Cash dividends to net income (ytd only)* | 16.0256% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 3,944 |
| Loan loss allowance to noncurrent loans | 180.5357% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.4969% | 2,217 |
| Noncurrent loans to loans | 0.5192% | 2,495 |
| Net loans and leases to total assets | 76.7318% | 996 |
| Net loans and leases to deposits | 88.8868% | 1,385 |
| Net loans and leases to core deposits | 95.2215% | 1,531 |
| Total domestic deposits to total assets | 86.3253% | 1,927 |
| Equity capital to assets | 8.1135% | 4,676 |
| Core capital (leverage) ratio | 8.1883% | 4,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4133% | 1,391 |
| Memoranda: | ||
| Average total assets | $120,771,000 | 3,728 |
| Average earning assets | $116,373,500 | 3,659 |
| Average equity | $10,480,500 | 4,160 |
| Average total loans | $96,237,500 | 3,297 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6431% | 74 |
| Cost of funding earning assets | 0.7105% | 2,330 |
| Net interest margin | 5.9326% | 67 |
| Noninterest income to average assets | 0.4363% | 2,876 |
| Noninterest expense to average assets | 3.1428% | 1,257 |
| Loan and lease loss provision to assets | 0.1309% | 2,710 |
| Net operating income to assets | 2.0958% | 266 |
| Return on assets (ROA) | 2.0958% | 300 |
| Pretax return on assets | 2.8741% | 134 |
| Return on Equity (ROE) | 23.5306% | 133 |
| Retained earnings to average equity (ytd only) | 18.6324% | 110 |
| Net charge-offs to loans | 0.1732% | 860 |
| Credit loss provision to net charge-offs | 93.7500% | 2,447 |
| Earnings coverage of net charge-offs (x) | 21.5250% | 1,652 |
| Efficiency ratio | 51.1212% | 4,425 |
| Assets per employee ($millions) | 7.9312% | 999 |
| Cash dividends to net income (ytd only)* | 20.8160% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 3,861 |
| Loan loss allowance to noncurrent loans | 178.6219% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.5177% | 2,280 |
| Noncurrent loans to loans | 0.5237% | 2,593 |
| Net loans and leases to total assets | 79.4081% | 672 |
| Net loans and leases to deposits | 92.3381% | 1,119 |
| Net loans and leases to core deposits | 101.2377% | 1,172 |
| Total domestic deposits to total assets | 85.9972% | 2,008 |
| Equity capital to assets | 8.0843% | 4,677 |
| Core capital (leverage) ratio | 8.2802% | 4,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6787% | 1,577 |
| Memoranda: | ||
| Average total assets | $114,611,333 | 3,791 |
| Average earning assets | $110,339,667 | 3,734 |
| Average equity | $10,208,000 | 4,197 |
| Average total loans | $92,363,333 | 3,364 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9541% | 1,055 |
| Cost of funding earning assets | 0.8397% | 2,175 |
| Net interest margin | 4.1145% | 1,105 |
| Noninterest income to average assets | 0.3981% | 3,119 |
| Noninterest expense to average assets | 3.0009% | 1,885 |
| Loan and lease loss provision to assets | 0.0957% | 2,489 |
| Net operating income to assets | 0.8995% | 2,525 |
| Return on assets (ROA) | 0.8995% | 2,626 |
| Pretax return on assets | 1.2402% | 2,066 |
| Return on Equity (ROE) | 9.5315% | 1,899 |
| Retained earnings to average equity (ytd only) | -0.6084% | 4,092 |
| Net charge-offs to loans | -0.0047% | 3,853 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1968% | 2,486 |
| Assets per employee ($millions) | 6.4131% | 1,391 |
| Cash dividends to net income (ytd only)* | 106.3830% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 2,405 |
| Loan loss allowance to noncurrent loans | 130.5764% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.8530% | 1,570 |
| Noncurrent loans to loans | 0.9557% | 1,722 |
| Net loans and leases to total assets | 75.6370% | 1,362 |
| Net loans and leases to deposits | 90.1469% | 1,491 |
| Net loans and leases to core deposits | 101.4318% | 1,365 |
| Total domestic deposits to total assets | 83.9042% | 2,814 |
| Equity capital to assets | 9.0642% | 4,565 |
| Core capital (leverage) ratio | 9.6864% | 3,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9674% | 2,296 |
| Memoranda: | ||
| Average total assets | $104,502,000 | 3,922 |
| Average earning assets | $100,037,500 | 3,875 |
| Average equity | $9,862,000 | 4,257 |
| Average total loans | $84,506,500 | 3,509 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3182% | 792 |
| Cost of funding earning assets | 0.9250% | 2,084 |
| Net interest margin | 4.3931% | 901 |
| Noninterest income to average assets | 0.4925% | 2,785 |
| Noninterest expense to average assets | 3.0462% | 1,894 |
| Loan and lease loss provision to assets | 0.0152% | 3,709 |
| Net operating income to assets | 1.1806% | 2,131 |
| Return on assets (ROA) | 1.1806% | 2,232 |
| Pretax return on assets | 1.6133% | 1,447 |
| Return on Equity (ROE) | 12.5905% | 1,304 |
| Retained earnings to average equity (ytd only) | 9.8887% | 513 |
| Net charge-offs to loans | 0.0250% | 2,897 |
| Credit loss provision to net charge-offs | 75.0000% | 2,851 |
| Earnings coverage of net charge-offs (x) | 80.3500% | 789 |
| Efficiency ratio | 65.1637% | 2,904 |
| Assets per employee ($millions) | 5.8813% | 1,730 |
| Cash dividends to net income (ytd only)* | 21.4592% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 2,503 |
| Loan loss allowance to noncurrent loans | 116.5138% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 1.0042% | 1,239 |
| Noncurrent loans to loans | 1.0198% | 1,488 |
| Net loans and leases to total assets | 84.5092% | 279 |
| Net loans and leases to deposits | 101.0235% | 525 |
| Net loans and leases to core deposits | 109.5291% | 881 |
| Total domestic deposits to total assets | 83.6531% | 2,975 |
| Equity capital to assets | 9.8438% | 4,063 |
| Core capital (leverage) ratio | 9.5193% | 4,041 |
| Tier 1 risk-based capital ratio | 12.4557% | 4,105 |
| Total risk-based capital ratio | 13.7051% | 3,973 |
| Memoranda: | ||
| Average total assets | $98,681,000 | 4,020 |
| Average earning assets | $93,941,800 | 3,971 |
| Average equity | $9,253,000 | 4,338 |
| Average total loans | $79,987,400 | 3,604 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3210% | 826 |
| Cost of funding earning assets | 0.9199% | 2,138 |
| Net interest margin | 4.4011% | 942 |
| Noninterest income to average assets | 0.4406% | 3,077 |
| Noninterest expense to average assets | 3.0162% | 1,931 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1753% | 2,276 |
| Return on assets (ROA) | 1.1753% | 2,357 |
| Pretax return on assets | 1.6077% | 1,608 |
| Return on Equity (ROE) | 12.6949% | 1,387 |
| Retained earnings to average equity (ytd only) | 9.0344% | 1,034 |
| Net charge-offs to loans | 0.0356% | 2,367 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 56.4746% | 1,099 |
| Efficiency ratio | 65.2301% | 2,821 |
| Assets per employee ($millions) | 6.0681% | 1,559 |
| Cash dividends to net income (ytd only)* | 28.8355% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,239 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.8443% | 1,631 |
| Noncurrent loans to loans | 0.6248% | 2,411 |
| Net loans and leases to total assets | 76.6075% | 1,373 |
| Net loans and leases to deposits | 89.6993% | 1,737 |
| Net loans and leases to core deposits | 95.8821% | 2,010 |
| Total domestic deposits to total assets | 85.4048% | 2,252 |
| Equity capital to assets | 9.2558% | 4,628 |
| Core capital (leverage) ratio | 9.2911% | 4,376 |
| Tier 1 risk-based capital ratio | 12.3390% | 4,243 |
| Total risk-based capital ratio | 13.5895% | 4,114 |
| Memoranda: | ||
| Average total assets | $98,355,750 | 4,069 |
| Average earning assets | $93,488,750 | 4,021 |
| Average equity | $9,105,750 | 4,408 |
| Average total loans | $78,606,750 | 3,663 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3154% | 792 |
| Cost of funding earning assets | 0.9102% | 2,090 |
| Net interest margin | 4.4052% | 934 |
| Noninterest income to average assets | 0.4031% | 3,260 |
| Noninterest expense to average assets | 3.0241% | 1,935 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1390% | 2,375 |
| Return on assets (ROA) | 1.1390% | 2,449 |
| Pretax return on assets | 1.5606% | 1,665 |
| Return on Equity (ROE) | 12.3014% | 1,473 |
| Retained earnings to average equity (ytd only) | 6.7200% | 1,941 |
| Net charge-offs to loans | -0.0230% | 4,596 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9603% | 2,810 |
| Assets per employee ($millions) | 6.4374% | 1,271 |
| Cash dividends to net income (ytd only)* | 45.3721% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 1,975 |
| Loan loss allowance to noncurrent loans | 219.1489% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.8204% | 1,716 |
| Noncurrent loans to loans | 0.5978% | 2,479 |
| Net loans and leases to total assets | 75.3286% | 1,663 |
| Net loans and leases to deposits | 88.9249% | 1,874 |
| Net loans and leases to core deposits | 97.7129% | 1,903 |
| Total domestic deposits to total assets | 84.7104% | 2,593 |
| Equity capital to assets | 8.9575% | 4,817 |
| Core capital (leverage) ratio | 9.3406% | 4,320 |
| Tier 1 risk-based capital ratio | 12.0570% | 4,382 |
| Total risk-based capital ratio | 13.3080% | 4,269 |
| Memoranda: | ||
| Average total assets | $96,755,330 | 4,119 |
| Average earning assets | $91,845,670 | 4,077 |
| Average equity | $8,958,330 | 4,444 |
| Average total loans | $78,133,670 | 3,691 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2458% | 831 |
| Cost of funding earning assets | 0.9058% | 1,973 |
| Net interest margin | 4.3400% | 1,026 |
| Noninterest income to average assets | 0.3887% | 3,266 |
| Noninterest expense to average assets | 3.0929% | 1,749 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0167% | 2,784 |
| Return on assets (ROA) | 1.0167% | 2,826 |
| Pretax return on assets | 1.4097% | 2,050 |
| Return on Equity (ROE) | 10.7881% | 2,034 |
| Retained earnings to average equity (ytd only) | -0.5439% | 4,599 |
| Net charge-offs to loans | -0.0359% | 4,715 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6907% | 2,540 |
| Assets per employee ($millions) | 5.3438% | 2,131 |
| Cash dividends to net income (ytd only)* | 105.0420% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 1,918 |
| Loan loss allowance to noncurrent loans | 218.2590% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.8826% | 1,599 |
| Noncurrent loans to loans | 0.6138% | 2,495 |
| Net loans and leases to total assets | 78.7003% | 1,038 |
| Net loans and leases to deposits | 93.6337% | 1,212 |
| Net loans and leases to core deposits | 103.6872% | 1,339 |
| Total domestic deposits to total assets | 84.0512% | 3,032 |
| Equity capital to assets | 9.2006% | 4,534 |
| Core capital (leverage) ratio | 9.5097% | 4,119 |
| Tier 1 risk-based capital ratio | 11.5819% | 4,702 |
| Total risk-based capital ratio | 12.8326% | 4,580 |
| Memoranda: | ||
| Average total assets | $93,634,000 | 4,209 |
| Average earning assets | $88,756,500 | 4,169 |
| Average equity | $8,824,500 | 4,495 |
| Average total loans | $77,892,000 | 3,735 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5870% | 343 |
| Cost of funding earning assets | 0.7251% | 1,929 |
| Net interest margin | 4.8619% | 349 |
| Noninterest income to average assets | 0.5748% | 2,417 |
| Noninterest expense to average assets | 3.3436% | 1,233 |
| Loan and lease loss provision to assets | 0.0462% | 3,266 |
| Net operating income to assets | 1.3114% | 1,750 |
| Return on assets (ROA) | 1.3123% | 1,732 |
| Pretax return on assets | 1.7982% | 925 |
| Return on Equity (ROE) | 13.8493% | 1,080 |
| Retained earnings to average equity (ytd only) | 13.8493% | 172 |
| Net charge-offs to loans | -0.0133% | 4,578 |
| Credit loss provision to net charge-offs | -400.0000% | 4,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4637% | 3,126 |
| Assets per employee ($millions) | 5.3576% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 2,089 |
| Loan loss allowance to noncurrent loans | 392.6923% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.7038% | 1,969 |
| Noncurrent loans to loans | 0.3289% | 3,374 |
| Net loans and leases to total assets | 85.6773% | 255 |
| Net loans and leases to deposits | 103.5992% | 503 |
| Net loans and leases to core deposits | 113.4215% | 804 |
| Total domestic deposits to total assets | 82.7007% | 3,425 |
| Equity capital to assets | 9.6608% | 3,990 |
| Core capital (leverage) ratio | 9.9795% | 3,606 |
| Tier 1 risk-based capital ratio | 11.4670% | 4,738 |
| Total risk-based capital ratio | 12.7178% | 4,644 |
| Memoranda: | ||
| Average total assets | $86,643,800 | 4,320 |
| Average earning assets | $82,190,600 | 4,280 |
| Average equity | $8,209,800 | 4,575 |
| Average total loans | $75,202,200 | 3,766 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5467% | 328 |
| Cost of funding earning assets | 0.7005% | 1,845 |
| Net interest margin | 4.8462% | 343 |
| Noninterest income to average assets | 0.6251% | 2,189 |
| Noninterest expense to average assets | 3.4075% | 1,107 |
| Loan and lease loss provision to assets | 0.0390% | 3,226 |
| Net operating income to assets | 1.2910% | 1,897 |
| Return on assets (ROA) | 1.2922% | 1,890 |
| Pretax return on assets | 1.7739% | 1,076 |
| Return on Equity (ROE) | 13.7093% | 1,197 |
| Retained earnings to average equity (ytd only) | 13.7093% | 279 |
| Net charge-offs to loans | -0.0431% | 4,879 |
| Credit loss provision to net charge-offs | -104.1667% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2927% | 2,988 |
| Assets per employee ($millions) | 5.1416% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 1,921 |
| Loan loss allowance to noncurrent loans | 97.0504% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.6406% | 758 |
| Noncurrent loans to loans | 1.3794% | 1,209 |
| Net loans and leases to total assets | 86.0047% | 262 |
| Net loans and leases to deposits | 99.4234% | 833 |
| Net loans and leases to core deposits | 112.0476% | 911 |
| Total domestic deposits to total assets | 86.5035% | 1,969 |
| Equity capital to assets | 9.6719% | 3,936 |
| Core capital (leverage) ratio | 9.6991% | 3,941 |
| Tier 1 risk-based capital ratio | 11.2773% | 4,910 |
| Total risk-based capital ratio | 12.5280% | 4,805 |
| Memoranda: | ||
| Average total assets | $85,535,000 | 4,381 |
| Average earning assets | $81,079,250 | 4,345 |
| Average equity | $8,062,500 | 4,644 |
| Average total loans | $74,239,000 | 3,822 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5057% | 316 |
| Cost of funding earning assets | 0.6568% | 1,888 |
| Net interest margin | 4.8489% | 336 |
| Noninterest income to average assets | 0.6383% | 2,144 |
| Noninterest expense to average assets | 3.3871% | 1,151 |
| Loan and lease loss provision to assets | 0.0589% | 2,726 |
| Net operating income to assets | 1.2960% | 1,791 |
| Return on assets (ROA) | 1.2978% | 1,773 |
| Pretax return on assets | 1.7854% | 1,000 |
| Return on Equity (ROE) | 13.8931% | 1,104 |
| Retained earnings to average equity (ytd only) | 13.8931% | 293 |
| Net charge-offs to loans | -0.0435% | 4,871 |
| Credit loss provision to net charge-offs | -156.2500% | 4,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7748% | 3,197 |
| Assets per employee ($millions) | 5.2144% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 2,126 |
| Loan loss allowance to noncurrent loans | 238.6792% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.9138% | 1,645 |
| Noncurrent loans to loans | 0.5483% | 2,775 |
| Net loans and leases to total assets | 86.0962% | 256 |
| Net loans and leases to deposits | 100.6714% | 761 |
| Net loans and leases to core deposits | 113.4162% | 818 |
| Total domestic deposits to total assets | 85.5220% | 2,486 |
| Equity capital to assets | 9.2459% | 4,333 |
| Core capital (leverage) ratio | 9.4910% | 4,125 |
| Tier 1 risk-based capital ratio | 11.4833% | 4,793 |
| Total risk-based capital ratio | 12.7358% | 4,693 |
| Memoranda: | ||
| Average total assets | $84,910,670 | 4,431 |
| Average earning assets | $80,389,000 | 4,396 |
| Average equity | $7,932,000 | 4,706 |
| Average total loans | $73,587,000 | 3,856 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3076% | 402 |
| Cost of funding earning assets | 0.6056% | 2,021 |
| Net interest margin | 4.7020% | 405 |
| Noninterest income to average assets | 0.5925% | 2,307 |
| Noninterest expense to average assets | 3.4199% | 1,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1859% | 2,069 |
| Return on assets (ROA) | 1.1897% | 2,064 |
| Pretax return on assets | 1.6281% | 1,304 |
| Return on Equity (ROE) | 12.6667% | 1,362 |
| Retained earnings to average equity (ytd only) | 12.6667% | 573 |
| Net charge-offs to loans | -0.0892% | 5,164 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8128% | 2,862 |
| Assets per employee ($millions) | 5.0070% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 2,027 |
| Loan loss allowance to noncurrent loans | 1,218.5185% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.5522% | 2,684 |
| Noncurrent loans to loans | 0.1106% | 4,473 |
| Net loans and leases to total assets | 84.9011% | 348 |
| Net loans and leases to deposits | 100.6855% | 659 |
| Net loans and leases to core deposits | 114.0020% | 806 |
| Total domestic deposits to total assets | 84.3231% | 3,182 |
| Equity capital to assets | 9.2858% | 4,278 |
| Core capital (leverage) ratio | 9.6365% | 3,922 |
| Tier 1 risk-based capital ratio | 11.6654% | 4,760 |
| Total risk-based capital ratio | 12.9174% | 4,652 |
| Memoranda: | ||
| Average total assets | $83,043,500 | 4,518 |
| Average earning assets | $78,604,500 | 4,480 |
| Average equity | $7,800,000 | 4,781 |
| Average total loans | $71,714,500 | 3,933 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3192% | 350 |
| Cost of funding earning assets | 0.3655% | 3,558 |
| Net interest margin | 4.9536% | 254 |
| Noninterest income to average assets | 0.6004% | 2,446 |
| Noninterest expense to average assets | 3.3863% | 1,224 |
| Loan and lease loss provision to assets | 0.0398% | 3,472 |
| Net operating income to assets | 1.1159% | 1,806 |
| Return on assets (ROA) | 1.1159% | 1,832 |
| Pretax return on assets | 1.8621% | 661 |
| Return on Equity (ROE) | 11.4745% | 1,347 |
| Retained earnings to average equity (ytd only) | 8.0676% | 741 |
| Net charge-offs to loans | -0.2402% | 5,543 |
| Credit loss provision to net charge-offs | -19.6078% | 4,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0351% | 3,600 |
| Assets per employee ($millions) | 5.0605% | 2,409 |
| Cash dividends to net income (ytd only)* | 29.6912% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 1,828 |
| Loan loss allowance to noncurrent loans | 1,169.8795% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.5867% | 2,600 |
| Noncurrent loans to loans | 0.1183% | 4,449 |
| Net loans and leases to total assets | 85.4708% | 289 |
| Net loans and leases to deposits | 103.4795% | 517 |
| Net loans and leases to core deposits | 107.5832% | 1,167 |
| Total domestic deposits to total assets | 82.5968% | 3,697 |
| Equity capital to assets | 9.5050% | 4,232 |
| Core capital (leverage) ratio | 9.7186% | 3,784 |
| Tier 1 risk-based capital ratio | 11.7828% | 4,671 |
| Total risk-based capital ratio | 13.0361% | 4,548 |
| Memoranda: | ||
| Average total assets | $75,451,600 | 4,679 |
| Average earning assets | $71,402,200 | 4,640 |
| Average equity | $7,338,000 | 4,889 |
| Average total loans | $63,706,400 | 4,105 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2831% | 356 |
| Cost of funding earning assets | 0.3390% | 3,784 |
| Net interest margin | 4.9441% | 254 |
| Noninterest income to average assets | 0.5940% | 2,509 |
| Noninterest expense to average assets | 3.3714% | 1,201 |
| Loan and lease loss provision to assets | 0.0540% | 3,016 |
| Net operating income to assets | 1.1034% | 2,077 |
| Return on assets (ROA) | 1.1034% | 2,126 |
| Pretax return on assets | 1.8414% | 802 |
| Return on Equity (ROE) | 11.2756% | 1,582 |
| Retained earnings to average equity (ytd only) | 6.6771% | 1,854 |
| Net charge-offs to loans | -0.2019% | 5,547 |
| Credit loss provision to net charge-offs | -31.9149% | 4,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0123% | 3,539 |
| Assets per employee ($millions) | 4.9239% | 2,545 |
| Cash dividends to net income (ytd only)* | 40.7838% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 2,125 |
| Loan loss allowance to noncurrent loans | 1,072.9412% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.6093% | 2,688 |
| Noncurrent loans to loans | 0.1257% | 4,558 |
| Net loans and leases to total assets | 84.6653% | 371 |
| Net loans and leases to deposits | 102.2818% | 596 |
| Net loans and leases to core deposits | 103.1661% | 1,454 |
| Total domestic deposits to total assets | 82.7765% | 3,530 |
| Equity capital to assets | 9.5390% | 4,409 |
| Core capital (leverage) ratio | 9.7240% | 3,908 |
| Tier 1 risk-based capital ratio | 11.9617% | 4,657 |
| Total risk-based capital ratio | 13.2137% | 4,528 |
| Memoranda: | ||
| Average total assets | $74,072,500 | 4,755 |
| Average earning assets | $70,007,250 | 4,717 |
| Average equity | $7,248,500 | 4,954 |
| Average total loans | $62,089,250 | 4,187 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2693% | 350 |
| Cost of funding earning assets | 0.3273% | 3,827 |
| Net interest margin | 4.9420% | 243 |
| Noninterest income to average assets | 0.6096% | 2,411 |
| Noninterest expense to average assets | 3.3764% | 1,213 |
| Loan and lease loss provision to assets | 0.0828% | 2,333 |
| Net operating income to assets | 1.0869% | 2,047 |
| Return on assets (ROA) | 1.0869% | 2,098 |
| Pretax return on assets | 1.8151% | 810 |
| Return on Equity (ROE) | 11.0061% | 1,648 |
| Retained earnings to average equity (ytd only) | 4.0225% | 3,317 |
| Net charge-offs to loans | -0.0631% | 5,265 |
| Credit loss provision to net charge-offs | -157.8947% | 4,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0167% | 3,667 |
| Assets per employee ($millions) | 4.9741% | 2,423 |
| Cash dividends to net income (ytd only)* | 63.4518% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 2,274 |
| Loan loss allowance to noncurrent loans | 951.1364% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.6487% | 2,611 |
| Noncurrent loans to loans | 0.1398% | 4,558 |
| Net loans and leases to total assets | 83.2507% | 521 |
| Net loans and leases to deposits | 94.1037% | 1,252 |
| Net loans and leases to core deposits | 94.8741% | 2,080 |
| Total domestic deposits to total assets | 88.4670% | 1,220 |
| Equity capital to assets | 9.7853% | 4,133 |
| Core capital (leverage) ratio | 9.9303% | 3,614 |
| Tier 1 risk-based capital ratio | 12.0826% | 4,578 |
| Total risk-based capital ratio | 13.3339% | 4,452 |
| Memoranda: | ||
| Average total assets | $72,502,670 | 4,811 |
| Average earning assets | $68,434,000 | 4,778 |
| Average equity | $7,159,670 | 4,990 |
| Average total loans | $60,248,000 | 4,259 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0979% | 444 |
| Cost of funding earning assets | 0.3264% | 3,786 |
| Net interest margin | 4.7715% | 322 |
| Noninterest income to average assets | 0.6606% | 2,137 |
| Noninterest expense to average assets | 3.3759% | 1,243 |
| Loan and lease loss provision to assets | 0.0840% | 2,136 |
| Net operating income to assets | 1.0189% | 2,228 |
| Return on assets (ROA) | 1.0189% | 2,280 |
| Pretax return on assets | 1.7019% | 1,000 |
| Return on Equity (ROE) | 10.2694% | 1,839 |
| Retained earnings to average equity (ytd only) | -3.8369% | 5,318 |
| Net charge-offs to loans | -0.0815% | 5,381 |
| Credit loss provision to net charge-offs | -125.0000% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4013% | 3,590 |
| Assets per employee ($millions) | 5.1832% | 2,202 |
| Cash dividends to net income (ytd only)* | 137.3626% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 2,081 |
| Loan loss allowance to noncurrent loans | 496.9512% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.7745% | 2,365 |
| Noncurrent loans to loans | 0.2814% | 4,109 |
| Net loans and leases to total assets | 79.1800% | 952 |
| Net loans and leases to deposits | 89.4509% | 1,606 |
| Net loans and leases to core deposits | 90.2447% | 2,331 |
| Total domestic deposits to total assets | 88.5179% | 1,414 |
| Equity capital to assets | 9.7375% | 4,029 |
| Core capital (leverage) ratio | 9.9832% | 3,517 |
| Tier 1 risk-based capital ratio | 12.5495% | 4,361 |
| Total risk-based capital ratio | 13.8025% | 4,260 |
| Memoranda: | ||
| Average total assets | $71,448,000 | 4,886 |
| Average earning assets | $67,400,000 | 4,844 |
| Average equity | $7,089,000 | 5,047 |
| Average total loans | $58,896,000 | 4,327 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1276% | 476 |
| Cost of funding earning assets | 0.3476% | 3,538 |
| Net interest margin | 4.7800% | 366 |
| Noninterest income to average assets | 0.6510% | 2,414 |
| Noninterest expense to average assets | 3.2751% | 1,634 |
| Loan and lease loss provision to assets | 0.1087% | 2,236 |
| Net operating income to assets | 1.0381% | 2,199 |
| Return on assets (ROA) | 1.0381% | 2,293 |
| Pretax return on assets | 1.7325% | 926 |
| Return on Equity (ROE) | 10.4565% | 1,781 |
| Retained earnings to average equity (ytd only) | 7.1706% | 1,159 |
| Net charge-offs to loans | -0.0385% | 5,320 |
| Credit loss provision to net charge-offs | -340.9091% | 5,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0125% | 3,937 |
| Assets per employee ($millions) | 5.4101% | 1,946 |
| Cash dividends to net income (ytd only)* | 31.4246% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 2,407 |
| Loan loss allowance to noncurrent loans | 310.2362% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 1.0323% | 1,836 |
| Noncurrent loans to loans | 0.4267% | 3,612 |
| Net loans and leases to total assets | 83.5080% | 432 |
| Net loans and leases to deposits | 95.7467% | 1,022 |
| Net loans and leases to core deposits | 97.6263% | 1,789 |
| Total domestic deposits to total assets | 87.2176% | 2,016 |
| Equity capital to assets | 10.1122% | 3,594 |
| Core capital (leverage) ratio | 10.0737% | 3,401 |
| Tier 1 risk-based capital ratio | 12.3777% | 4,459 |
| Total risk-based capital ratio | 13.6308% | 4,341 |
| Memoranda: | ||
| Average total assets | $68,974,000 | 4,955 |
| Average earning assets | $64,435,000 | 4,934 |
| Average equity | $6,847,400 | 5,122 |
| Average total loans | $57,070,000 | 4,375 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1003% | 498 |
| Cost of funding earning assets | 0.3517% | 3,520 |
| Net interest margin | 4.7486% | 398 |
| Noninterest income to average assets | 0.6702% | 2,309 |
| Noninterest expense to average assets | 3.3024% | 1,561 |
| Loan and lease loss provision to assets | 0.1457% | 1,608 |
| Net operating income to assets | 0.9927% | 2,467 |
| Return on assets (ROA) | 0.9927% | 2,609 |
| Pretax return on assets | 1.6551% | 1,234 |
| Return on Equity (ROE) | 10.0471% | 2,031 |
| Retained earnings to average equity (ytd only) | 5.6232% | 2,417 |
| Net charge-offs to loans | 0.0094% | 3,600 |
| Credit loss provision to net charge-offs | 1,875.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 231.8893% | 339 |
| Efficiency ratio | 64.7126% | 3,811 |
| Assets per employee ($millions) | 5.7044% | 1,656 |
| Cash dividends to net income (ytd only)* | 44.0307% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 2,689 |
| Loan loss allowance to noncurrent loans | 91.4766% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.9356% | 818 |
| Noncurrent loans to loans | 1.4216% | 1,534 |
| Net loans and leases to total assets | 84.4886% | 369 |
| Net loans and leases to deposits | 96.5526% | 992 |
| Net loans and leases to core deposits | 98.0969% | 1,803 |
| Total domestic deposits to total assets | 87.5053% | 1,661 |
| Equity capital to assets | 10.2348% | 3,875 |
| Core capital (leverage) ratio | 9.5542% | 4,108 |
| Tier 1 risk-based capital ratio | 11.8215% | 4,904 |
| Total risk-based capital ratio | 13.0756% | 4,797 |
| Memoranda: | ||
| Average total assets | $68,634,750 | 5,005 |
| Average earning assets | $64,073,000 | 4,979 |
| Average equity | $6,781,250 | 5,184 |
| Average total loans | $56,457,500 | 4,430 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0100% | 583 |
| Cost of funding earning assets | 0.3596% | 3,457 |
| Net interest margin | 4.6503% | 459 |
| Noninterest income to average assets | 0.7104% | 2,096 |
| Noninterest expense to average assets | 3.2812% | 1,631 |
| Loan and lease loss provision to assets | 0.1456% | 1,576 |
| Net operating income to assets | 0.9666% | 2,542 |
| Return on assets (ROA) | 0.9666% | 2,686 |
| Pretax return on assets | 1.6129% | 1,334 |
| Return on Equity (ROE) | 9.9011% | 2,094 |
| Retained earnings to average equity (ytd only) | 3.1910% | 3,870 |
| Net charge-offs to loans | 0.0215% | 3,062 |
| Credit loss provision to net charge-offs | 833.3333% | 425 |
| Earnings coverage of net charge-offs (x) | 100.6667% | 572 |
| Efficiency ratio | 65.1069% | 3,828 |
| Assets per employee ($millions) | 5.7075% | 1,617 |
| Cash dividends to net income (ytd only)* | 67.7711% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 2,626 |
| Loan loss allowance to noncurrent loans | 75.3074% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.9798% | 832 |
| Noncurrent loans to loans | 1.7657% | 1,184 |
| Net loans and leases to total assets | 73.5087% | 1,930 |
| Net loans and leases to deposits | 82.3574% | 2,665 |
| Net loans and leases to core deposits | 83.6059% | 3,116 |
| Total domestic deposits to total assets | 89.2558% | 783 |
| Equity capital to assets | 9.2051% | 5,065 |
| Core capital (leverage) ratio | 9.1508% | 4,662 |
| Tier 1 risk-based capital ratio | 12.3148% | 4,638 |
| Total risk-based capital ratio | 13.5717% | 4,552 |
| Memoranda: | ||
| Average total assets | $68,695,330 | 5,051 |
| Average earning assets | $63,952,670 | 5,030 |
| Average equity | $6,706,330 | 5,246 |
| Average total loans | $55,744,330 | 4,480 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2916% | 362 |
| Cost of funding earning assets | 0.4005% | 3,057 |
| Net interest margin | 4.8911% | 317 |
| Noninterest income to average assets | 0.7097% | 1,994 |
| Noninterest expense to average assets | 3.4150% | 1,352 |
| Loan and lease loss provision to assets | 0.1516% | 1,398 |
| Net operating income to assets | 0.9948% | 2,304 |
| Return on assets (ROA) | 0.9948% | 2,420 |
| Pretax return on assets | 1.6620% | 1,150 |
| Return on Equity (ROE) | 9.8728% | 2,041 |
| Retained earnings to average equity (ytd only) | -3.6722% | 5,527 |
| Net charge-offs to loans | 0.0572% | 1,943 |
| Credit loss provision to net charge-offs | 312.5000% | 824 |
| Earnings coverage of net charge-offs (x) | 37.3750% | 1,053 |
| Efficiency ratio | 65.3132% | 3,919 |
| Assets per employee ($millions) | 5.1452% | 2,193 |
| Cash dividends to net income (ytd only)* | 137.1951% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 3,273 |
| Loan loss allowance to noncurrent loans | 80.5461% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 2.0542% | 836 |
| Noncurrent loans to loans | 1.5356% | 1,518 |
| Net loans and leases to total assets | 84.5232% | 326 |
| Net loans and leases to deposits | 95.6534% | 972 |
| Net loans and leases to core deposits | 96.7585% | 1,723 |
| Total domestic deposits to total assets | 88.3640% | 1,428 |
| Equity capital to assets | 9.9152% | 4,193 |
| Core capital (leverage) ratio | 9.2083% | 4,591 |
| Tier 1 risk-based capital ratio | 11.6095% | 5,165 |
| Total risk-based capital ratio | 12.8665% | 5,068 |
| Memoranda: | ||
| Average total assets | $65,944,000 | 5,153 |
| Average earning assets | $60,927,000 | 5,132 |
| Average equity | $6,644,500 | 5,293 |
| Average total loans | $55,978,000 | 4,499 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2458% | 398 |
| Cost of funding earning assets | 0.4021% | 3,131 |
| Net interest margin | 4.8437% | 333 |
| Noninterest income to average assets | 0.5780% | 2,844 |
| Noninterest expense to average assets | 3.5859% | 1,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8273% | 3,209 |
| Return on assets (ROA) | 0.8273% | 3,284 |
| Pretax return on assets | 1.3793% | 1,980 |
| Return on Equity (ROE) | 7.8754% | 3,022 |
| Retained earnings to average equity (ytd only) | 4.2536% | 2,960 |
| Net charge-offs to loans | 0.0217% | 3,833 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 77.4545% | 721 |
| Efficiency ratio | 72.2204% | 2,869 |
| Assets per employee ($millions) | 5.0001% | 2,361 |
| Cash dividends to net income (ytd only)* | 45.9883% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 3,094 |
| Loan loss allowance to noncurrent loans | 77.5533% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 3.9861% | 262 |
| Noncurrent loans to loans | 1.6285% | 1,405 |
| Net loans and leases to total assets | 83.1095% | 475 |
| Net loans and leases to deposits | 94.3583% | 1,169 |
| Net loans and leases to core deposits | 95.4840% | 1,897 |
| Total domestic deposits to total assets | 88.0786% | 1,586 |
| Equity capital to assets | 10.2414% | 3,693 |
| Core capital (leverage) ratio | 9.3919% | 4,332 |
| Tier 1 risk-based capital ratio | 11.5787% | 5,201 |
| Total risk-based capital ratio | 12.9162% | 5,064 |
| Memoranda: | ||
| Average total assets | $61,769,200 | 5,279 |
| Average earning assets | $55,949,400 | 5,296 |
| Average equity | $6,488,600 | 5,347 |
| Average total loans | $50,657,400 | 4,649 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2172% | 432 |
| Cost of funding earning assets | 0.4043% | 3,179 |
| Net interest margin | 4.8129% | 366 |
| Noninterest income to average assets | 0.5687% | 2,925 |
| Noninterest expense to average assets | 3.6044% | 1,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7874% | 3,489 |
| Return on assets (ROA) | 0.7874% | 3,579 |
| Pretax return on assets | 1.3123% | 2,349 |
| Return on Equity (ROE) | 7.4457% | 3,373 |
| Retained earnings to average equity (ytd only) | 2.7922% | 4,444 |
| Net charge-offs to loans | 0.0376% | 3,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 42.8484% | 1,170 |
| Efficiency ratio | 73.3096% | 2,665 |
| Assets per employee ($millions) | 4.9221% | 2,395 |
| Cash dividends to net income (ytd only)* | 62.4992% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 3,047 |
| Loan loss allowance to noncurrent loans | 74.8640% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 4.0961% | 280 |
| Noncurrent loans to loans | 1.7468% | 1,364 |
| Net loans and leases to total assets | 81.1446% | 685 |
| Net loans and leases to deposits | 91.0050% | 1,526 |
| Net loans and leases to core deposits | 92.9269% | 2,177 |
| Total domestic deposits to total assets | 89.1650% | 936 |
| Equity capital to assets | 10.2099% | 3,919 |
| Core capital (leverage) ratio | 9.2796% | 4,613 |
| Tier 1 risk-based capital ratio | 11.4721% | 5,391 |
| Total risk-based capital ratio | 12.8150% | 5,264 |
| Memoranda: | ||
| Average total assets | $60,961,250 | 5,366 |
| Average earning assets | $55,072,750 | 5,384 |
| Average equity | $6,446,500 | 5,421 |
| Average total loans | $49,643,500 | 4,729 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1800% | 442 |
| Cost of funding earning assets | 0.4061% | 3,210 |
| Net interest margin | 4.7738% | 380 |
| Noninterest income to average assets | 0.5638% | 2,950 |
| Noninterest expense to average assets | 3.6362% | 1,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7439% | 3,670 |
| Return on assets (ROA) | 0.7439% | 3,770 |
| Pretax return on assets | 1.2410% | 2,593 |
| Return on Equity (ROE) | 6.9496% | 3,642 |
| Retained earnings to average equity (ytd only) | 3.3034% | 3,943 |
| Net charge-offs to loans | -0.0164% | 5,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5554% | 2,606 |
| Assets per employee ($millions) | 4.8288% | 2,503 |
| Cash dividends to net income (ytd only)* | 52.4664% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 2,840 |
| Loan loss allowance to noncurrent loans | 74.9469% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 4.0510% | 329 |
| Noncurrent loans to loans | 1.8439% | 1,376 |
| Net loans and leases to total assets | 80.2581% | 769 |
| Net loans and leases to deposits | 90.0644% | 1,588 |
| Net loans and leases to core deposits | 92.0051% | 2,161 |
| Total domestic deposits to total assets | 89.1119% | 1,088 |
| Equity capital to assets | 10.3274% | 3,654 |
| Core capital (leverage) ratio | 9.2996% | 4,554 |
| Tier 1 risk-based capital ratio | 11.2483% | 5,599 |
| Total risk-based capital ratio | 12.5936% | 5,476 |
| Memoranda: | ||
| Average total assets | $59,952,670 | 5,450 |
| Average earning assets | $54,170,330 | 5,457 |
| Average equity | $6,417,670 | 5,470 |
| Average total loans | $48,654,670 | 4,800 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0503% | 526 |
| Cost of funding earning assets | 0.4146% | 3,140 |
| Net interest margin | 4.6357% | 462 |
| Noninterest income to average assets | 0.5603% | 2,889 |
| Noninterest expense to average assets | 3.6350% | 1,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6764% | 3,914 |
| Return on assets (ROA) | 0.6764% | 4,034 |
| Pretax return on assets | 1.1274% | 2,961 |
| Return on Equity (ROE) | 6.2020% | 3,929 |
| Retained earnings to average equity (ytd only) | -1.1276% | 5,573 |
| Net charge-offs to loans | -0.0253% | 5,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3271% | 2,465 |
| Assets per employee ($millions) | 4.4929% | 3,068 |
| Cash dividends to net income (ytd only)* | 118.1818% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4785% | 2,542 |
| Loan loss allowance to noncurrent loans | 288.9344% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 3.7358% | 421 |
| Noncurrent loans to loans | 0.5117% | 4,044 |
| Net loans and leases to total assets | 80.4342% | 643 |
| Net loans and leases to deposits | 91.3244% | 1,253 |
| Net loans and leases to core deposits | 93.4684% | 1,814 |
| Total domestic deposits to total assets | 88.0753% | 1,778 |
| Equity capital to assets | 10.9506% | 3,028 |
| Core capital (leverage) ratio | 9.4401% | 4,367 |
| Tier 1 risk-based capital ratio | 11.6180% | 5,486 |
| Total risk-based capital ratio | 13.0558% | 5,263 |
| Memoranda: | ||
| Average total assets | $58,541,500 | 5,528 |
| Average earning assets | $53,066,500 | 5,536 |
| Average equity | $6,385,000 | 5,517 |
| Average total loans | $47,438,000 | 4,872 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1435% | 579 |
| Cost of funding earning assets | 0.4309% | 3,373 |
| Net interest margin | 4.7126% | 510 |
| Noninterest income to average assets | 0.5049% | 3,464 |
| Noninterest expense to average assets | 3.2932% | 1,950 |
| Loan and lease loss provision to assets | 0.1660% | 1,580 |
| Net operating income to assets | 0.7309% | 3,726 |
| Return on assets (ROA) | 0.7309% | 3,839 |
| Pretax return on assets | 1.2204% | 2,567 |
| Return on Equity (ROE) | 6.9664% | 3,659 |
| Retained earnings to average equity (ytd only) | 5.3349% | 2,383 |
| Net charge-offs to loans | -0.0627% | 6,004 |
| Credit loss provision to net charge-offs | -346.4286% | 5,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3731% | 3,472 |
| Assets per employee ($millions) | 4.8896% | 2,471 |
| Cash dividends to net income (ytd only)* | 23.4192% | 3,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 2,535 |
| Loan loss allowance to noncurrent loans | 249.8221% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 3.7853% | 464 |
| Noncurrent loans to loans | 0.5955% | 3,885 |
| Net loans and leases to total assets | 79.2314% | 851 |
| Net loans and leases to deposits | 92.0720% | 1,281 |
| Net loans and leases to core deposits | 94.7595% | 1,841 |
| Total domestic deposits to total assets | 86.0537% | 2,808 |
| Equity capital to assets | 10.8632% | 3,046 |
| Core capital (leverage) ratio | 9.8185% | 3,815 |
| Tier 1 risk-based capital ratio | 12.6787% | 4,930 |
| Total risk-based capital ratio | 14.1102% | 4,733 |
| Memoranda: | ||
| Average total assets | $58,423,800 | 5,588 |
| Average earning assets | $51,754,400 | 5,626 |
| Average equity | $6,129,400 | 5,590 |
| Average total loans | $44,676,200 | 5,008 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1237% | 608 |
| Cost of funding earning assets | 0.4300% | 3,465 |
| Net interest margin | 4.6937% | 509 |
| Noninterest income to average assets | 0.4067% | 4,196 |
| Noninterest expense to average assets | 3.2624% | 1,989 |
| Loan and lease loss provision to assets | 0.1302% | 1,926 |
| Net operating income to assets | 0.6899% | 3,997 |
| Return on assets (ROA) | 0.6899% | 4,085 |
| Pretax return on assets | 1.1537% | 2,971 |
| Return on Equity (ROE) | 6.6355% | 3,885 |
| Retained earnings to average equity (ytd only) | 4.4383% | 3,494 |
| Net charge-offs to loans | -0.0878% | 6,101 |
| Credit loss provision to net charge-offs | -196.5517% | 5,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7588% | 3,226 |
| Assets per employee ($millions) | 5.1058% | 2,128 |
| Cash dividends to net income (ytd only)* | 33.1123% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4523% | 2,936 |
| Loan loss allowance to noncurrent loans | 212.5000% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 3.6772% | 566 |
| Noncurrent loans to loans | 0.6834% | 3,897 |
| Net loans and leases to total assets | 73.4303% | 1,607 |
| Net loans and leases to deposits | 82.3585% | 2,380 |
| Net loans and leases to core deposits | 84.5677% | 2,823 |
| Total domestic deposits to total assets | 89.1593% | 1,146 |
| Equity capital to assets | 10.1536% | 3,987 |
| Core capital (leverage) ratio | 9.2844% | 4,658 |
| Tier 1 risk-based capital ratio | 12.0883% | 5,433 |
| Total risk-based capital ratio | 13.5181% | 5,242 |
| Memoranda: | ||
| Average total assets | $58,361,000 | 5,653 |
| Average earning assets | $51,472,250 | 5,695 |
| Average equity | $6,068,250 | 5,661 |
| Average total loans | $44,047,500 | 5,087 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1245% | 586 |
| Cost of funding earning assets | 0.4360% | 3,484 |
| Net interest margin | 4.6885% | 498 |
| Noninterest income to average assets | 0.5018% | 3,472 |
| Noninterest expense to average assets | 3.4151% | 1,644 |
| Loan and lease loss provision to assets | 0.1115% | 2,165 |
| Net operating income to assets | 0.6551% | 4,068 |
| Return on assets (ROA) | 0.6551% | 4,166 |
| Pretax return on assets | 1.0977% | 3,111 |
| Return on Equity (ROE) | 6.2486% | 4,027 |
| Retained earnings to average equity (ytd only) | 2.9249% | 4,343 |
| Net charge-offs to loans | -0.1195% | 6,199 |
| Credit loss provision to net charge-offs | -123.0769% | 5,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8508% | 2,999 |
| Assets per employee ($millions) | 5.5076% | 1,686 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 3,486 |
| Loan loss allowance to noncurrent loans | 184.5930% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 4.1265% | 496 |
| Noncurrent loans to loans | 0.7421% | 3,847 |
| Net loans and leases to total assets | 75.4605% | 1,240 |
| Net loans and leases to deposits | 84.5969% | 1,971 |
| Net loans and leases to core deposits | 86.8864% | 2,428 |
| Total domestic deposits to total assets | 89.2001% | 1,251 |
| Equity capital to assets | 10.1050% | 3,965 |
| Core capital (leverage) ratio | 9.0886% | 4,886 |
| Tier 1 risk-based capital ratio | 11.7985% | 5,639 |
| Total risk-based capital ratio | 13.2296% | 5,484 |
| Memoranda: | ||
| Average total assets | $57,391,670 | 5,729 |
| Average earning assets | $50,463,670 | 5,771 |
| Average equity | $6,017,330 | 5,713 |
| Average total loans | $43,512,330 | 5,150 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9247% | 831 |
| Cost of funding earning assets | 0.4484% | 3,445 |
| Net interest margin | 4.4762% | 687 |
| Noninterest income to average assets | 0.3728% | 4,404 |
| Noninterest expense to average assets | 3.4555% | 1,579 |
| Loan and lease loss provision to assets | 0.0502% | 3,095 |
| Net operating income to assets | 0.4803% | 4,783 |
| Return on assets (ROA) | 0.4803% | 4,860 |
| Pretax return on assets | 0.8029% | 4,099 |
| Return on Equity (ROE) | 4.4929% | 4,790 |
| Retained earnings to average equity (ytd only) | -2.2129% | 5,875 |
| Net charge-offs to loans | -0.2376% | 6,427 |
| Credit loss provision to net charge-offs | -28.0000% | 4,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1997% | 2,180 |
| Assets per employee ($millions) | 5.1875% | 2,026 |
| Cash dividends to net income (ytd only)* | 149.2537% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 3,453 |
| Loan loss allowance to noncurrent loans | 150.3704% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 4.5757% | 475 |
| Noncurrent loans to loans | 0.9525% | 3,508 |
| Net loans and leases to total assets | 73.4482% | 1,360 |
| Net loans and leases to deposits | 82.7267% | 1,976 |
| Net loans and leases to core deposits | 85.1192% | 2,406 |
| Total domestic deposits to total assets | 88.7841% | 1,785 |
| Equity capital to assets | 10.4623% | 3,280 |
| Core capital (leverage) ratio | 9.2291% | 4,672 |
| Tier 1 risk-based capital ratio | 11.6031% | 5,861 |
| Total risk-based capital ratio | 13.1306% | 5,644 |
| Memoranda: | ||
| Average total assets | $55,795,500 | 5,820 |
| Average earning assets | $49,059,000 | 5,867 |
| Average equity | $5,965,000 | 5,754 |
| Average total loans | $42,092,500 | 5,233 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7378% | 1,476 |
| Cost of funding earning assets | 0.4771% | 3,848 |
| Net interest margin | 4.2606% | 1,194 |
| Noninterest income to average assets | 0.6244% | 2,949 |
| Noninterest expense to average assets | 3.6071% | 1,434 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4559% | 4,930 |
| Return on assets (ROA) | 0.4559% | 5,059 |
| Pretax return on assets | 0.7617% | 4,292 |
| Return on Equity (ROE) | 4.2474% | 4,995 |
| Retained earnings to average equity (ytd only) | 4.2474% | 3,156 |
| Net charge-offs to loans | -0.0652% | 6,392 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5650% | 1,804 |
| Assets per employee ($millions) | 5.4529% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 3,722 |
| Loan loss allowance to noncurrent loans | 139.3720% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 4.8066% | 501 |
| Noncurrent loans to loans | 0.9936% | 3,530 |
| Net loans and leases to total assets | 75.3507% | 1,174 |
| Net loans and leases to deposits | 85.2254% | 1,787 |
| Net loans and leases to core deposits | 88.2929% | 2,212 |
| Total domestic deposits to total assets | 88.4135% | 1,943 |
| Equity capital to assets | 10.9300% | 2,677 |
| Core capital (leverage) ratio | 9.1301% | 4,811 |
| Tier 1 risk-based capital ratio | 11.9790% | 5,624 |
| Total risk-based capital ratio | 13.5178% | 5,380 |
| Memoranda: | ||
| Average total assets | $54,614,600 | 5,900 |
| Average earning assets | $47,997,400 | 5,938 |
| Average equity | $5,862,400 | 5,850 |
| Average total loans | $39,906,400 | 5,352 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 1,912 |
| Cost of funding earning assets | 0.4809% | 3,957 |
| Net interest margin | 4.1171% | 1,584 |
| Noninterest income to average assets | 0.5662% | 3,356 |
| Noninterest expense to average assets | 3.6751% | 1,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3026% | 5,608 |
| Return on assets (ROA) | 0.3026% | 5,724 |
| Pretax return on assets | 0.5051% | 5,339 |
| Return on Equity (ROE) | 2.8320% | 5,666 |
| Retained earnings to average equity (ytd only) | 2.8320% | 4,626 |
| Net charge-offs to loans | -0.0743% | 6,422 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9159% | 1,185 |
| Assets per employee ($millions) | 4.6991% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 3,617 |
| Loan loss allowance to noncurrent loans | 96.4646% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 5.3166% | 506 |
| Noncurrent loans to loans | 1.5191% | 2,888 |
| Net loans and leases to total assets | 68.3272% | 2,253 |
| Net loans and leases to deposits | 76.8904% | 2,834 |
| Net loans and leases to core deposits | 78.7367% | 3,265 |
| Total domestic deposits to total assets | 88.8631% | 1,638 |
| Equity capital to assets | 10.3992% | 3,392 |
| Core capital (leverage) ratio | 8.7548% | 5,470 |
| Tier 1 risk-based capital ratio | 11.9936% | 5,781 |
| Total risk-based capital ratio | 13.5474% | 5,516 |
| Memoranda: | ||
| Average total assets | $54,636,000 | 5,971 |
| Average earning assets | $47,961,250 | 6,008 |
| Average equity | $5,838,000 | 5,924 |
| Average total loans | $39,466,750 | 5,420 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6235% | 1,772 |
| Cost of funding earning assets | 0.4969% | 3,929 |
| Net interest margin | 4.1267% | 1,477 |
| Noninterest income to average assets | 0.6216% | 3,064 |
| Noninterest expense to average assets | 3.7964% | 1,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2701% | 5,715 |
| Return on assets (ROA) | 0.2701% | 5,852 |
| Pretax return on assets | 0.4514% | 5,514 |
| Return on Equity (ROE) | 2.5046% | 5,797 |
| Retained earnings to average equity (ytd only) | 2.5046% | 4,706 |
| Net charge-offs to loans | -0.1111% | 6,526 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3728% | 1,093 |
| Assets per employee ($millions) | 4.5753% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 3,882 |
| Loan loss allowance to noncurrent loans | 88.5626% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 5.5588% | 521 |
| Noncurrent loans to loans | 1.6175% | 2,883 |
| Net loans and leases to total assets | 71.8090% | 1,609 |
| Net loans and leases to deposits | 80.9303% | 2,189 |
| Net loans and leases to core deposits | 82.8835% | 2,709 |
| Total domestic deposits to total assets | 88.7294% | 1,766 |
| Equity capital to assets | 10.6058% | 3,167 |
| Core capital (leverage) ratio | 8.7994% | 5,290 |
| Tier 1 risk-based capital ratio | 11.2378% | 6,228 |
| Total risk-based capital ratio | 12.7779% | 6,065 |
| Memoranda: | ||
| Average total assets | $54,051,670 | 6,017 |
| Average earning assets | $47,496,000 | 6,055 |
| Average equity | $5,829,330 | 5,964 |
| Average total loans | $39,588,330 | 5,437 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5030% | 2,156 |
| Cost of funding earning assets | 0.5079% | 3,999 |
| Net interest margin | 3.9952% | 1,811 |
| Noninterest income to average assets | 0.6116% | 3,074 |
| Noninterest expense to average assets | 3.8340% | 1,071 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1790% | 5,951 |
| Return on assets (ROA) | 0.1790% | 6,061 |
| Pretax return on assets | 0.2984% | 5,855 |
| Return on Equity (ROE) | 1.6459% | 6,045 |
| Retained earnings to average equity (ytd only) | 1.6459% | 5,156 |
| Net charge-offs to loans | -0.2438% | 6,725 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7798% | 920 |
| Assets per employee ($millions) | 4.5267% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4341% | 4,075 |
| Loan loss allowance to noncurrent loans | 34.3900% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 6.6366% | 444 |
| Noncurrent loans to loans | 4.1702% | 1,057 |
| Net loans and leases to total assets | 72.7522% | 1,238 |
| Net loans and leases to deposits | 82.2285% | 1,793 |
| Net loans and leases to core deposits | 84.2946% | 2,289 |
| Total domestic deposits to total assets | 88.4757% | 2,025 |
| Equity capital to assets | 10.7566% | 3,250 |
| Core capital (leverage) ratio | 8.8860% | 5,078 |
| Tier 1 risk-based capital ratio | 11.4265% | 6,224 |
| Total risk-based capital ratio | 13.0796% | 5,991 |
| Memoranda: | ||
| Average total assets | $53,625,500 | 6,090 |
| Average earning assets | $47,257,000 | 6,117 |
| Average equity | $5,832,500 | 6,024 |
| Average total loans | $39,383,000 | 5,492 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9535% | 1,678 |
| Cost of funding earning assets | 0.6016% | 4,339 |
| Net interest margin | 4.3518% | 1,280 |
| Noninterest income to average assets | 0.4870% | 3,984 |
| Noninterest expense to average assets | 3.5947% | 1,622 |
| Loan and lease loss provision to assets | 0.2416% | 2,717 |
| Net operating income to assets | 0.2450% | 5,645 |
| Return on assets (ROA) | 0.3575% | 5,489 |
| Pretax return on assets | 0.6011% | 4,993 |
| Return on Equity (ROE) | 3.1986% | 5,472 |
| Retained earnings to average equity (ytd only) | 3.1986% | 3,974 |
| Net charge-offs to loans | 0.6355% | 1,842 |
| Credit loss provision to net charge-offs | 52.9661% | 4,620 |
| Earnings coverage of net charge-offs (x) | 1.4619% | 4,713 |
| Efficiency ratio | 84.3537% | 1,583 |
| Assets per employee ($millions) | 4.8119% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 4,042 |
| Loan loss allowance to noncurrent loans | 32.5843% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 6.8334% | 458 |
| Noncurrent loans to loans | 4.3727% | 995 |
| Net loans and leases to total assets | 72.0202% | 1,486 |
| Net loans and leases to deposits | 81.5545% | 2,062 |
| Net loans and leases to core deposits | 83.5914% | 2,593 |
| Total domestic deposits to total assets | 88.3093% | 2,024 |
| Equity capital to assets | 10.9992% | 2,957 |
| Core capital (leverage) ratio | 8.7923% | 5,191 |
| Tier 1 risk-based capital ratio | 11.5600% | 6,054 |
| Total risk-based capital ratio | 13.2198% | 5,763 |
| Memoranda: | ||
| Average total assets | $51,742,400 | 6,152 |
| Average earning assets | $44,877,800 | 6,212 |
| Average equity | $5,783,800 | 6,082 |
| Average total loans | $37,139,000 | 5,626 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9570% | 1,810 |
| Cost of funding earning assets | 0.6268% | 4,395 |
| Net interest margin | 4.3303% | 1,396 |
| Noninterest income to average assets | 0.4250% | 4,440 |
| Noninterest expense to average assets | 3.6025% | 1,556 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3369% | 5,488 |
| Return on assets (ROA) | 0.3369% | 5,688 |
| Pretax return on assets | 0.5650% | 5,266 |
| Return on Equity (ROE) | 3.0018% | 5,679 |
| Retained earnings to average equity (ytd only) | 3.0018% | 4,750 |
| Net charge-offs to loans | 0.3990% | 2,499 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.9819% | 4,270 |
| Efficiency ratio | 86.4428% | 1,347 |
| Assets per employee ($millions) | 4.9476% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4689% | 4,070 |
| Loan loss allowance to noncurrent loans | 29.3461% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 7.5224% | 444 |
| Noncurrent loans to loans | 5.0055% | 902 |
| Net loans and leases to total assets | 68.0343% | 2,289 |
| Net loans and leases to deposits | 77.0096% | 2,814 |
| Net loans and leases to core deposits | 77.8189% | 3,484 |
| Total domestic deposits to total assets | 88.3452% | 1,815 |
| Equity capital to assets | 10.7269% | 3,580 |
| Core capital (leverage) ratio | 8.7400% | 5,415 |
| Tier 1 risk-based capital ratio | 11.4874% | 6,234 |
| Total risk-based capital ratio | 13.1560% | 5,983 |
| Memoranda: | ||
| Average total assets | $51,445,250 | 6,235 |
| Average earning assets | $44,460,750 | 6,294 |
| Average equity | $5,774,250 | 6,150 |
| Average total loans | $36,755,750 | 5,717 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0754% | 1,582 |
| Cost of funding earning assets | 0.6644% | 4,328 |
| Net interest margin | 4.4110% | 1,172 |
| Noninterest income to average assets | 0.8126% | 2,126 |
| Noninterest expense to average assets | 3.6351% | 1,500 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5748% | 4,474 |
| Return on assets (ROA) | 0.5748% | 4,748 |
| Pretax return on assets | 0.9672% | 3,830 |
| Return on Equity (ROE) | 5.0408% | 4,793 |
| Retained earnings to average equity (ytd only) | 5.0408% | 3,261 |
| Net charge-offs to loans | 0.0274% | 4,994 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 48.8000% | 744 |
| Efficiency ratio | 78.9836% | 2,328 |
| Assets per employee ($millions) | 4.5985% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7435% | 3,053 |
| Loan loss allowance to noncurrent loans | 32.5409% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 8.5978% | 370 |
| Noncurrent loans to loans | 5.3580% | 881 |
| Net loans and leases to total assets | 73.1965% | 1,366 |
| Net loans and leases to deposits | 83.5703% | 1,908 |
| Net loans and leases to core deposits | 84.5242% | 2,623 |
| Total domestic deposits to total assets | 87.5867% | 2,407 |
| Equity capital to assets | 11.5493% | 2,543 |
| Core capital (leverage) ratio | 8.9305% | 5,011 |
| Tier 1 risk-based capital ratio | 11.4228% | 6,264 |
| Total risk-based capital ratio | 13.0920% | 6,000 |
| Memoranda: | ||
| Average total assets | $50,452,330 | 6,312 |
| Average earning assets | $43,346,330 | 6,368 |
| Average equity | $5,753,000 | 6,183 |
| Average total loans | $36,481,330 | 5,761 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0359% | 1,775 |
| Cost of funding earning assets | 0.6850% | 4,411 |
| Net interest margin | 4.3508% | 1,334 |
| Noninterest income to average assets | 0.7542% | 2,373 |
| Noninterest expense to average assets | 3.6200% | 1,523 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5160% | 4,754 |
| Return on assets (ROA) | 0.5160% | 4,966 |
| Pretax return on assets | 0.8653% | 4,170 |
| Return on Equity (ROE) | 4.5546% | 5,014 |
| Retained earnings to average equity (ytd only) | 4.5546% | 3,850 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7080% | 2,117 |
| Assets per employee ($millions) | 5.0751% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8513% | 2,838 |
| Loan loss allowance to noncurrent loans | 33.4681% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 9.1742% | 378 |
| Noncurrent loans to loans | 5.5316% | 962 |
| Net loans and leases to total assets | 69.1533% | 1,921 |
| Net loans and leases to deposits | 78.7842% | 2,370 |
| Net loans and leases to core deposits | 79.6785% | 3,102 |
| Total domestic deposits to total assets | 87.7756% | 2,483 |
| Equity capital to assets | 11.3495% | 2,577 |
| Core capital (leverage) ratio | 8.7471% | 5,207 |
| Tier 1 risk-based capital ratio | 11.3895% | 6,339 |
| Total risk-based capital ratio | 13.1797% | 6,004 |
| Memoranda: | ||
| Average total assets | $50,387,000 | 6,359 |
| Average earning assets | $43,210,000 | 6,423 |
| Average equity | $5,708,500 | 6,222 |
| Average total loans | $35,881,000 | 5,830 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9476% | 3,116 |
| Cost of funding earning assets | 0.9505% | 3,718 |
| Net interest margin | 3.9971% | 2,895 |
| Noninterest income to average assets | 0.5616% | 3,421 |
| Noninterest expense to average assets | 3.4653% | 2,076 |
| Loan and lease loss provision to assets | 0.6292% | 1,624 |
| Net operating income to assets | -0.0432% | 6,099 |
| Return on assets (ROA) | -0.0432% | 6,195 |
| Pretax return on assets | -0.0733% | 6,190 |
| Return on Equity (ROE) | -0.4149% | 6,200 |
| Retained earnings to average equity (ytd only) | -0.4149% | 5,919 |
| Net charge-offs to loans | 3.3265% | 244 |
| Credit loss provision to net charge-offs | 25.5141% | 5,846 |
| Earnings coverage of net charge-offs (x) | 0.2254% | 5,659 |
| Efficiency ratio | 86.1747% | 1,541 |
| Assets per employee ($millions) | 5.0023% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8387% | 2,747 |
| Loan loss allowance to noncurrent loans | 33.6041% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 9.2018% | 389 |
| Noncurrent loans to loans | 5.4716% | 970 |
| Net loans and leases to total assets | 70.6515% | 1,889 |
| Net loans and leases to deposits | 80.3720% | 2,452 |
| Net loans and leases to core deposits | 81.8955% | 3,191 |
| Total domestic deposits to total assets | 87.9056% | 2,217 |
| Equity capital to assets | 11.3088% | 2,682 |
| Core capital (leverage) ratio | 8.2437% | 5,931 |
| Tier 1 risk-based capital ratio | 10.7256% | 6,592 |
| Total risk-based capital ratio | 12.5019% | 6,290 |
| Memoranda: | ||
| Average total assets | $53,241,800 | 6,252 |
| Average earning assets | $46,083,200 | 6,327 |
| Average equity | $5,543,400 | 6,282 |
| Average total loans | $39,471,400 | 5,718 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9546% | 3,309 |
| Cost of funding earning assets | 0.9898% | 3,750 |
| Net interest margin | 3.9648% | 3,075 |
| Noninterest income to average assets | 0.5255% | 3,693 |
| Noninterest expense to average assets | 3.5771% | 1,763 |
| Loan and lease loss provision to assets | 0.6414% | 1,532 |
| Net operating income to assets | -0.1505% | 6,330 |
| Return on assets (ROA) | -0.1505% | 6,409 |
| Pretax return on assets | -0.2541% | 6,458 |
| Return on Equity (ROE) | -1.4747% | 6,425 |
| Retained earnings to average equity (ytd only) | -1.4747% | 6,226 |
| Net charge-offs to loans | 2.3864% | 474 |
| Credit loss provision to net charge-offs | 36.0111% | 5,325 |
| Earnings coverage of net charge-offs (x) | 0.2175% | 5,434 |
| Efficiency ratio | 90.2302% | 1,152 |
| Assets per employee ($millions) | 5.8537% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1773% | 743 |
| Loan loss allowance to noncurrent loans | 40.8602% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 11.0434% | 291 |
| Noncurrent loans to loans | 7.7759% | 584 |
| Net loans and leases to total assets | 68.1396% | 2,455 |
| Net loans and leases to deposits | 76.9336% | 3,174 |
| Net loans and leases to core deposits | 78.2160% | 3,868 |
| Total domestic deposits to total assets | 88.5694% | 1,717 |
| Equity capital to assets | 10.6638% | 3,499 |
| Core capital (leverage) ratio | 7.8074% | 6,558 |
| Tier 1 risk-based capital ratio | 10.0374% | 6,943 |
| Total risk-based capital ratio | 11.8137% | 6,736 |
| Memoranda: | ||
| Average total assets | $54,046,500 | 6,281 |
| Average earning assets | $46,878,250 | 6,346 |
| Average equity | $5,515,000 | 6,330 |
| Average total loans | $40,338,250 | 5,728 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9351% | 3,468 |
| Cost of funding earning assets | 1.0325% | 3,725 |
| Net interest margin | 3.9026% | 3,298 |
| Noninterest income to average assets | 0.6642% | 2,743 |
| Noninterest expense to average assets | 3.5669% | 1,822 |
| Loan and lease loss provision to assets | 0.4037% | 2,412 |
| Net operating income to assets | 0.0550% | 6,107 |
| Return on assets (ROA) | 0.0550% | 6,188 |
| Pretax return on assets | 0.0917% | 6,115 |
| Return on Equity (ROE) | 0.5474% | 6,181 |
| Retained earnings to average equity (ytd only) | 0.5474% | 5,636 |
| Net charge-offs to loans | 2.8823% | 371 |
| Credit loss provision to net charge-offs | 18.4255% | 5,152 |
| Earnings coverage of net charge-offs (x) | 0.2261% | 5,138 |
| Efficiency ratio | 87.8049% | 1,433 |
| Assets per employee ($millions) | 4.6676% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1013% | 817 |
| Loan loss allowance to noncurrent loans | 29.7012% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 13.3375% | 198 |
| Noncurrent loans to loans | 10.4417% | 358 |
| Net loans and leases to total assets | 70.1640% | 2,189 |
| Net loans and leases to deposits | 79.6802% | 2,849 |
| Net loans and leases to core deposits | 82.5561% | 3,423 |
| Total domestic deposits to total assets | 88.0570% | 2,106 |
| Equity capital to assets | 11.0919% | 2,865 |
| Core capital (leverage) ratio | 8.1596% | 6,087 |
| Tier 1 risk-based capital ratio | 10.4913% | 6,791 |
| Total risk-based capital ratio | 12.2712% | 6,499 |
| Memoranda: | ||
| Average total assets | $54,501,000 | 6,314 |
| Average earning assets | $47,456,000 | 6,383 |
| Average equity | $5,480,670 | 6,373 |
| Average total loans | $41,425,670 | 5,738 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8648% | 3,747 |
| Cost of funding earning assets | 1.0558% | 3,808 |
| Net interest margin | 3.8090% | 3,575 |
| Noninterest income to average assets | 0.6134% | 3,076 |
| Noninterest expense to average assets | 3.4736% | 2,076 |
| Loan and lease loss provision to assets | 0.3566% | 2,417 |
| Net operating income to assets | 0.0785% | 6,148 |
| Return on assets (ROA) | 0.0785% | 6,203 |
| Pretax return on assets | 0.1284% | 6,109 |
| Return on Equity (ROE) | 0.8188% | 6,188 |
| Retained earnings to average equity (ytd only) | 0.8188% | 5,502 |
| Net charge-offs to loans | 0.8175% | 1,600 |
| Credit loss provision to net charge-offs | 56.1798% | 3,621 |
| Earnings coverage of net charge-offs (x) | 0.7640% | 4,065 |
| Efficiency ratio | 87.7477% | 1,548 |
| Assets per employee ($millions) | 4.8392% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8512% | 470 |
| Loan loss allowance to noncurrent loans | 35.3344% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 13.6293% | 190 |
| Noncurrent loans to loans | 10.8994% | 344 |
| Net loans and leases to total assets | 75.0878% | 1,164 |
| Net loans and leases to deposits | 84.0271% | 2,021 |
| Net loans and leases to core deposits | 88.4821% | 2,540 |
| Total domestic deposits to total assets | 89.3615% | 1,557 |
| Equity capital to assets | 10.1050% | 3,643 |
| Core capital (leverage) ratio | 7.3833% | 6,806 |
| Tier 1 risk-based capital ratio | 9.3067% | 7,187 |
| Total risk-based capital ratio | 10.5892% | 7,185 |
| Memoranda: | ||
| Average total assets | $56,079,500 | 6,309 |
| Average earning assets | $49,251,500 | 6,368 |
| Average equity | $5,373,500 | 6,428 |
| Average total loans | $43,549,500 | 5,678 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1142% | 4,037 |
| Cost of funding earning assets | 1.4941% | 2,684 |
| Net interest margin | 3.6201% | 4,719 |
| Noninterest income to average assets | 0.3508% | 5,294 |
| Noninterest expense to average assets | 2.9790% | 3,928 |
| Loan and lease loss provision to assets | 2.8078% | 364 |
| Net operating income to assets | -1.3284% | 6,841 |
| Return on assets (ROA) | -1.1720% | 6,797 |
| Pretax return on assets | -1.9733% | 7,022 |
| Return on Equity (ROE) | -12.6926% | 6,831 |
| Retained earnings to average equity (ytd only) | -12.6926% | 6,783 |
| Net charge-offs to loans | 2.2105% | 883 |
| Credit loss provision to net charge-offs | 160.5513% | 2,171 |
| Earnings coverage of net charge-offs (x) | 0.3375% | 5,769 |
| Efficiency ratio | 83.4653% | 1,989 |
| Assets per employee ($millions) | 5.8928% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6022% | 548 |
| Loan loss allowance to noncurrent loans | 33.7379% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 12.1402% | 270 |
| Noncurrent loans to loans | 10.6769% | 375 |
| Net loans and leases to total assets | 74.4773% | 1,573 |
| Net loans and leases to deposits | 83.5357% | 2,521 |
| Net loans and leases to core deposits | 93.5459% | 2,317 |
| Total domestic deposits to total assets | 89.1563% | 1,562 |
| Equity capital to assets | 9.1094% | 4,982 |
| Core capital (leverage) ratio | 6.6968% | 7,144 |
| Tier 1 risk-based capital ratio | 8.7267% | 7,290 |
| Total risk-based capital ratio | 10.0070% | 7,296 |
| Memoranda: | ||
| Average total assets | $60,154,200 | 6,194 |
| Average earning assets | $53,478,600 | 6,237 |
| Average equity | $5,554,400 | 6,493 |
| Average total loans | $47,591,800 | 5,573 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1733% | 3,968 |
| Cost of funding earning assets | 1.5376% | 2,735 |
| Net interest margin | 3.6357% | 4,698 |
| Noninterest income to average assets | 0.2492% | 6,108 |
| Noninterest expense to average assets | 2.9484% | 3,929 |
| Loan and lease loss provision to assets | 3.6364% | 189 |
| Net operating income to assets | -1.8570% | 7,201 |
| Return on assets (ROA) | -1.6495% | 7,157 |
| Pretax return on assets | -2.7786% | 7,376 |
| Return on Equity (ROE) | -17.8059% | 7,176 |
| Retained earnings to average equity (ytd only) | -17.8059% | 7,157 |
| Net charge-offs to loans | 2.6523% | 618 |
| Credit loss provision to net charge-offs | 172.3093% | 2,145 |
| Earnings coverage of net charge-offs (x) | 0.2529% | 5,763 |
| Efficiency ratio | 84.6738% | 1,764 |
| Assets per employee ($millions) | 5.7744% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6246% | 491 |
| Loan loss allowance to noncurrent loans | 34.6272% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 12.4636% | 245 |
| Noncurrent loans to loans | 10.4675% | 388 |
| Net loans and leases to total assets | 78.0497% | 1,032 |
| Net loans and leases to deposits | 87.7990% | 2,036 |
| Net loans and leases to core deposits | 98.0507% | 2,038 |
| Total domestic deposits to total assets | 88.8958% | 1,450 |
| Equity capital to assets | 9.2512% | 5,224 |
| Core capital (leverage) ratio | 6.6850% | 7,289 |
| Tier 1 risk-based capital ratio | 8.1557% | 7,468 |
| Total risk-based capital ratio | 9.4349% | 7,472 |
| Memoranda: | ||
| Average total assets | $60,460,750 | 6,253 |
| Average earning assets | $53,762,000 | 6,287 |
| Average equity | $5,601,000 | 6,566 |
| Average total loans | $48,107,750 | 5,643 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1507% | 4,194 |
| Cost of funding earning assets | 1.5693% | 2,840 |
| Net interest margin | 3.5813% | 4,894 |
| Noninterest income to average assets | 0.3618% | 5,255 |
| Noninterest expense to average assets | 2.9560% | 3,870 |
| Loan and lease loss provision to assets | 4.5302% | 144 |
| Net operating income to assets | -2.3464% | 7,383 |
| Return on assets (ROA) | -2.2129% | 7,365 |
| Pretax return on assets | -3.7252% | 7,572 |
| Return on Equity (ROE) | -23.8776% | 7,355 |
| Retained earnings to average equity (ytd only) | -23.8776% | 7,341 |
| Net charge-offs to loans | 2.9574% | 543 |
| Credit loss provision to net charge-offs | 193.5933% | 2,034 |
| Earnings coverage of net charge-offs (x) | 0.2549% | 5,473 |
| Efficiency ratio | 83.2110% | 2,017 |
| Assets per employee ($millions) | 6.0016% | 1,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4916% | 547 |
| Loan loss allowance to noncurrent loans | 38.6390% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 10.3922% | 371 |
| Noncurrent loans to loans | 9.0365% | 528 |
| Net loans and leases to total assets | 77.1411% | 1,268 |
| Net loans and leases to deposits | 88.2772% | 2,126 |
| Net loans and leases to core deposits | 102.8388% | 1,750 |
| Total domestic deposits to total assets | 87.3850% | 2,332 |
| Equity capital to assets | 9.0909% | 5,305 |
| Core capital (leverage) ratio | 6.9579% | 7,216 |
| Tier 1 risk-based capital ratio | 8.1710% | 7,513 |
| Total risk-based capital ratio | 9.4486% | 7,520 |
| Memoranda: | ||
| Average total assets | $61,366,330 | 6,250 |
| Average earning assets | $54,672,670 | 6,298 |
| Average equity | $5,687,330 | 6,564 |
| Average total loans | $48,555,670 | 5,661 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2037% | 3,994 |
| Cost of funding earning assets | 1.6090% | 2,906 |
| Net interest margin | 3.5948% | 4,759 |
| Noninterest income to average assets | 0.3159% | 5,622 |
| Noninterest expense to average assets | 2.8368% | 4,338 |
| Loan and lease loss provision to assets | 7.9946% | 58 |
| Net operating income to assets | -4.3710% | 7,741 |
| Return on assets (ROA) | -4.1069% | 7,726 |
| Pretax return on assets | -6.9051% | 7,834 |
| Return on Equity (ROE) | -43.9083% | 7,679 |
| Retained earnings to average equity (ytd only) | -43.9083% | 7,665 |
| Net charge-offs to loans | 2.8006% | 566 |
| Credit loss provision to net charge-offs | 362.5731% | 1,118 |
| Earnings coverage of net charge-offs (x) | 0.3070% | 4,768 |
| Efficiency ratio | 80.7339% | 2,450 |
| Assets per employee ($millions) | 5.8894% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9172% | 406 |
| Loan loss allowance to noncurrent loans | 42.3668% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 11.2202% | 318 |
| Noncurrent loans to loans | 9.2460% | 507 |
| Net loans and leases to total assets | 79.1728% | 951 |
| Net loans and leases to deposits | 92.5728% | 1,535 |
| Net loans and leases to core deposits | 108.5811% | 1,375 |
| Total domestic deposits to total assets | 85.5248% | 3,401 |
| Equity capital to assets | 9.2862% | 4,856 |
| Core capital (leverage) ratio | 6.8461% | 7,331 |
| Tier 1 risk-based capital ratio | 8.2934% | 7,582 |
| Total risk-based capital ratio | 9.5755% | 7,590 |
| Memoranda: | ||
| Average total assets | $62,041,500 | 6,305 |
| Average earning assets | $55,191,000 | 6,355 |
| Average equity | $5,803,000 | 6,585 |
| Average total loans | $48,847,500 | 5,719 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3779% | 4,800 |
| Cost of funding earning assets | 2.1044% | 2,436 |
| Net interest margin | 3.2735% | 5,844 |
| Noninterest income to average assets | -0.1081% | 7,808 |
| Noninterest expense to average assets | 2.8772% | 4,622 |
| Loan and lease loss provision to assets | 3.1336% | 536 |
| Net operating income to assets | -1.8929% | 7,046 |
| Return on assets (ROA) | -1.8425% | 7,025 |
| Pretax return on assets | -3.0996% | 7,321 |
| Return on Equity (ROE) | -18.8456% | 7,104 |
| Retained earnings to average equity (ytd only) | -18.8456% | 7,063 |
| Net charge-offs to loans | 3.2491% | 625 |
| Credit loss provision to net charge-offs | 124.6314% | 4,209 |
| Earnings coverage of net charge-offs (x) | -0.0178% | 6,224 |
| Efficiency ratio | 101.5812% | 1,027 |
| Assets per employee ($millions) | 6.5189% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0400% | 1,939 |
| Loan loss allowance to noncurrent loans | 42.9550% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 7.0165% | 716 |
| Noncurrent loans to loans | 4.7492% | 1,462 |
| Net loans and leases to total assets | 73.8821% | 2,301 |
| Net loans and leases to deposits | 90.4843% | 2,143 |
| Net loans and leases to core deposits | 115.1454% | 2,401 |
| Total domestic deposits to total assets | 81.6518% | 5,081 |
| Equity capital to assets | 9.4142% | 4,536 |
| Core capital (leverage) ratio | 8.1301% | 5,944 |
| Tier 1 risk-based capital ratio | 9.7991% | 7,019 |
| Total risk-based capital ratio | 11.0580% | 6,997 |
| Memoranda: | ||
| Average total assets | $64,749,800 | 6,175 |
| Average earning assets | $58,164,400 | 6,216 |
| Average equity | $6,330,400 | 6,488 |
| Average total loans | $50,105,600 | 5,665 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3990% | 4,955 |
| Cost of funding earning assets | 2.2110% | 2,355 |
| Net interest margin | 3.1880% | 6,068 |
| Noninterest income to average assets | 0.5672% | 3,947 |
| Noninterest expense to average assets | 3.2425% | 3,147 |
| Loan and lease loss provision to assets | 4.0820% | 287 |
| Net operating income to assets | -2.3177% | 7,414 |
| Return on assets (ROA) | -2.2504% | 7,387 |
| Pretax return on assets | -3.7850% | 7,654 |
| Return on Equity (ROE) | -22.8043% | 7,463 |
| Retained earnings to average equity (ytd only) | -22.8043% | 7,433 |
| Net charge-offs to loans | 4.3489% | 303 |
| Credit loss provision to net charge-offs | 120.5238% | 4,209 |
| Earnings coverage of net charge-offs (x) | 0.0566% | 5,987 |
| Efficiency ratio | 94.4144% | 1,378 |
| Assets per employee ($millions) | 5.8523% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0041% | 1,792 |
| Loan loss allowance to noncurrent loans | 86.3051% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 6.3767% | 802 |
| Noncurrent loans to loans | 2.3222% | 3,237 |
| Net loans and leases to total assets | 71.3227% | 3,190 |
| Net loans and leases to deposits | 87.8686% | 2,987 |
| Net loans and leases to core deposits | 116.2027% | 2,600 |
| Total domestic deposits to total assets | 81.1697% | 5,009 |
| Equity capital to assets | 9.7274% | 4,458 |
| Core capital (leverage) ratio | 8.1187% | 6,153 |
| Tier 1 risk-based capital ratio | 9.9973% | 6,984 |
| Total risk-based capital ratio | 11.2532% | 6,929 |
| Memoranda: | ||
| Average total assets | $64,640,000 | 6,221 |
| Average earning assets | $58,133,000 | 6,248 |
| Average equity | $6,378,750 | 6,529 |
| Average total loans | $50,340,500 | 5,699 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3442% | 5,423 |
| Cost of funding earning assets | 2.2845% | 2,421 |
| Net interest margin | 3.0597% | 6,365 |
| Noninterest income to average assets | 0.6859% | 3,078 |
| Noninterest expense to average assets | 2.8396% | 4,777 |
| Loan and lease loss provision to assets | 5.2805% | 181 |
| Net operating income to assets | -2.7828% | 7,626 |
| Return on assets (ROA) | -2.6820% | 7,596 |
| Pretax return on assets | -4.5081% | 7,808 |
| Return on Equity (ROE) | -27.0503% | 7,663 |
| Retained earnings to average equity (ytd only) | -27.0503% | 7,634 |
| Net charge-offs to loans | 5.5647% | 209 |
| Credit loss provision to net charge-offs | 119.2603% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.1389% | 5,530 |
| Efficiency ratio | 82.2004% | 2,701 |
| Assets per employee ($millions) | 5.8336% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7664% | 2,137 |
| Loan loss allowance to noncurrent loans | 44.5233% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 6.9222% | 622 |
| Noncurrent loans to loans | 3.9673% | 1,718 |
| Net loans and leases to total assets | 76.0916% | 2,163 |
| Net loans and leases to deposits | 95.6586% | 1,851 |
| Net loans and leases to core deposits | 125.9070% | 1,884 |
| Total domestic deposits to total assets | 79.5450% | 5,623 |
| Equity capital to assets | 9.5808% | 4,510 |
| Core capital (leverage) ratio | 8.2222% | 5,943 |
| Tier 1 risk-based capital ratio | 9.5457% | 7,350 |
| Total risk-based capital ratio | 10.8006% | 7,306 |
| Memoranda: | ||
| Average total assets | $64,728,330 | 6,272 |
| Average earning assets | $58,568,670 | 6,287 |
| Average equity | $6,417,670 | 6,565 |
| Average total loans | $51,503,000 | 5,699 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3335% | 5,735 |
| Cost of funding earning assets | 2.3765% | 2,389 |
| Net interest margin | 2.9571% | 6,596 |
| Noninterest income to average assets | 0.8553% | 2,060 |
| Noninterest expense to average assets | 2.8427% | 4,366 |
| Loan and lease loss provision to assets | 0.6953% | 1,819 |
| Net operating income to assets | -0.0039% | 6,263 |
| Return on assets (ROA) | 0.1969% | 5,841 |
| Pretax return on assets | 0.3261% | 5,604 |
| Return on Equity (ROE) | 1.9535% | 5,789 |
| Retained earnings to average equity (ytd only) | 1.9535% | 4,769 |
| Net charge-offs to loans | 0.3969% | 2,509 |
| Credit loss provision to net charge-offs | 217.3077% | 2,079 |
| Earnings coverage of net charge-offs (x) | 2.2115% | 3,636 |
| Efficiency ratio | 80.0693% | 2,813 |
| Assets per employee ($millions) | 6.5944% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 4,152 |
| Loan loss allowance to noncurrent loans | 31.1707% | 6,466 |
| Noncurrent assets plus other real estate owned to assets | 7.2091% | 457 |
| Noncurrent loans to loans | 4.1272% | 1,447 |
| Net loans and leases to total assets | 77.1458% | 2,005 |
| Net loans and leases to deposits | 97.7669% | 1,700 |
| Net loans and leases to core deposits | 137.2498% | 1,232 |
| Total domestic deposits to total assets | 78.9079% | 5,762 |
| Equity capital to assets | 10.7136% | 3,280 |
| Core capital (leverage) ratio | 10.2138% | 3,186 |
| Tier 1 risk-based capital ratio | 11.7510% | 5,168 |
| Total risk-based capital ratio | 12.8985% | 5,172 |
| Memoranda: | ||
| Average total assets | $65,007,500 | 6,291 |
| Average earning assets | $59,248,000 | 6,289 |
| Average equity | $6,552,500 | 6,569 |
| Average total loans | $52,401,500 | 5,700 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4757% | 3,087 |
| Cost of funding earning assets | 2.8285% | 2,589 |
| Net interest margin | 3.6472% | 4,690 |
| Noninterest income to average assets | 0.8509% | 2,221 |
| Noninterest expense to average assets | 3.0310% | 3,968 |
| Loan and lease loss provision to assets | 0.8308% | 1,795 |
| Net operating income to assets | 0.1745% | 5,930 |
| Return on assets (ROA) | 0.1745% | 5,758 |
| Pretax return on assets | 0.2937% | 5,523 |
| Return on Equity (ROE) | 1.7544% | 5,689 |
| Retained earnings to average equity (ytd only) | 1.7544% | 4,152 |
| Net charge-offs to loans | 0.5413% | 2,201 |
| Credit loss provision to net charge-offs | 190.3846% | 2,591 |
| Earnings coverage of net charge-offs (x) | 2.5769% | 4,796 |
| Efficiency ratio | 72.9402% | 3,763 |
| Assets per employee ($millions) | 6.4071% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 5,059 |
| Loan loss allowance to noncurrent loans | 24.7025% | 7,021 |
| Noncurrent assets plus other real estate owned to assets | 5.8185% | 531 |
| Noncurrent loans to loans | 4.5751% | 1,036 |
| Net loans and leases to total assets | 82.1979% | 1,192 |
| Net loans and leases to deposits | 107.3350% | 1,017 |
| Net loans and leases to core deposits | 167.3073% | 456 |
| Total domestic deposits to total assets | 76.5807% | 6,102 |
| Equity capital to assets | 9.4270% | 4,792 |
| Core capital (leverage) ratio | 9.0342% | 4,691 |
| Tier 1 risk-based capital ratio | 10.1053% | 6,623 |
| Total risk-based capital ratio | 11.1651% | 6,714 |
| Memoranda: | ||
| Average total assets | $59,583,800 | 6,396 |
| Average earning assets | $53,986,800 | 6,417 |
| Average equity | $5,927,800 | 6,833 |
| Average total loans | $48,031,800 | 5,790 |