Home > Liberty Bank > Performance and Condition Ratios
Liberty 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 | 3.9169% | 4,068 |
| Cost of funding earning assets | 0.5659% | 4,123 |
| Net interest margin | 3.3510% | 2,513 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.6945% | 1,746 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.4651% | 3,741 |
| Return on assets (ROA) | 0.4651% | 3,740 |
| Pretax return on assets | 0.6067% | 3,618 |
| Return on Equity (ROE) | 3.6200% | 3,940 |
| Retained earnings to average equity (ytd only) | 3.6172% | 3,088 |
| Net charge-offs to loans | 0.0461% | 1,423 |
| Credit loss provision to net charge-offs | 76.9231% | 2,042 |
| Earnings coverage of net charge-offs (x) | 28.4615% | 1,662 |
| Efficiency ratio | 81.2087% | 835 |
| Assets per employee ($millions) | 4.8150% | 3,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2440% | 4,440 |
| Loan loss allowance to noncurrent loans | 23.3898% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 0.6231% | 877 |
| Noncurrent loans to loans | 1.0431% | 708 |
| Net loans and leases to total assets | 48.8200% | 3,671 |
| Net loans and leases to deposits | 56.9114% | 3,670 |
| Net loans and leases to core deposits | 58.9424% | 3,804 |
| Total domestic deposits to total assets | 85.7900% | 2,074 |
| Equity capital to assets | 14.0568% | 672 |
| Core capital (leverage) ratio | 15.9987% | 489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $59,342,200 | 4,219 |
| Average earning assets | $53,715,400 | 4,210 |
| Average equity | $7,630,200 | 3,978 |
| Average total loans | $28,208,800 | 4,167 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8385% | 4,073 |
| Cost of funding earning assets | 0.4810% | 4,160 |
| Net interest margin | 3.3574% | 2,552 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.6450% | 1,813 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.5022% | 3,764 |
| Return on assets (ROA) | 0.5022% | 3,761 |
| Pretax return on assets | 0.6540% | 3,634 |
| Return on Equity (ROE) | 4.0000% | 3,979 |
| Retained earnings to average equity (ytd only) | 3.9960% | 3,258 |
| Net charge-offs to loans | 0.0236% | 1,610 |
| Credit loss provision to net charge-offs | 200.0000% | 1,122 |
| Earnings coverage of net charge-offs (x) | 60.6000% | 1,199 |
| Efficiency ratio | 79.6371% | 877 |
| Assets per employee ($millions) | 4.9742% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2699% | 4,454 |
| Loan loss allowance to noncurrent loans | 30.1961% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 1,093 |
| Noncurrent loans to loans | 0.8938% | 921 |
| Net loans and leases to total assets | 47.6700% | 3,756 |
| Net loans and leases to deposits | 57.2253% | 3,647 |
| Net loans and leases to core deposits | 59.2290% | 3,732 |
| Total domestic deposits to total assets | 83.3000% | 2,963 |
| Equity capital to assets | 12.3907% | 949 |
| Core capital (leverage) ratio | 15.7496% | 527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $59,732,750 | 4,234 |
| Average earning assets | $54,048,000 | 4,224 |
| Average equity | $7,507,250 | 3,993 |
| Average total loans | $28,191,000 | 4,183 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8045% | 4,012 |
| Cost of funding earning assets | 0.4030% | 4,163 |
| Net interest margin | 3.4015% | 2,506 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.6378% | 1,831 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.5289% | 3,749 |
| Return on assets (ROA) | 0.5289% | 3,756 |
| Pretax return on assets | 0.6929% | 3,617 |
| Return on Equity (ROE) | 4.1900% | 4,004 |
| Retained earnings to average equity (ytd only) | 4.1886% | 3,163 |
| Net charge-offs to loans | 0.0356% | 1,190 |
| Credit loss provision to net charge-offs | 200.0000% | 1,046 |
| Earnings coverage of net charge-offs (x) | 43.4000% | 1,361 |
| Efficiency ratio | 78.4080% | 971 |
| Assets per employee ($millions) | 5.3739% | 3,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2734% | 4,488 |
| Loan loss allowance to noncurrent loans | 28.1022% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 944 |
| Noncurrent loans to loans | 0.9730% | 775 |
| Net loans and leases to total assets | 47.5100% | 3,714 |
| Net loans and leases to deposits | 56.2110% | 3,631 |
| Net loans and leases to core deposits | 58.1549% | 3,709 |
| Total domestic deposits to total assets | 84.5200% | 2,686 |
| Equity capital to assets | 12.8550% | 845 |
| Core capital (leverage) ratio | 15.3421% | 544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $59,747,000 | 4,250 |
| Average earning assets | $54,093,667 | 4,247 |
| Average equity | $7,544,333 | 4,012 |
| Average total loans | $28,078,000 | 4,196 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6992% | 4,021 |
| Cost of funding earning assets | 0.2574% | 4,282 |
| Net interest margin | 3.4418% | 2,523 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.7104% | 1,645 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.4928% | 3,916 |
| Return on assets (ROA) | 0.4928% | 3,879 |
| Pretax return on assets | 0.6526% | 3,752 |
| Return on Equity (ROE) | 3.9400% | 4,043 |
| Retained earnings to average equity (ytd only) | 3.9377% | 3,287 |
| Net charge-offs to loans | 0.0713% | 720 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 20.6000% | 1,444 |
| Efficiency ratio | 79.8039% | 849 |
| Assets per employee ($millions) | 5.5426% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2537% | 4,549 |
| Loan loss allowance to noncurrent loans | 28.8000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.4100% | 1,259 |
| Noncurrent loans to loans | 0.8807% | 858 |
| Net loans and leases to total assets | 46.4400% | 3,753 |
| Net loans and leases to deposits | 55.2794% | 3,612 |
| Net loans and leases to core deposits | 56.6702% | 3,709 |
| Total domestic deposits to total assets | 84.0100% | 3,093 |
| Equity capital to assets | 12.6589% | 836 |
| Core capital (leverage) ratio | 15.2871% | 541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $60,064,000 | 4,309 |
| Average earning assets | $54,390,500 | 4,301 |
| Average equity | $7,517,000 | 4,060 |
| Average total loans | $28,037,000 | 4,256 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3494% | 3,472 |
| Cost of funding earning assets | 0.1244% | 4,258 |
| Net interest margin | 3.2250% | 2,789 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.6830% | 1,597 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.3972% | 4,246 |
| Return on assets (ROA) | 0.3972% | 4,211 |
| Pretax return on assets | 0.5263% | 4,139 |
| Return on Equity (ROE) | 3.0800% | 4,284 |
| Retained earnings to average equity (ytd only) | 3.0832% | 3,692 |
| Net charge-offs to loans | 0.1054% | 707 |
| Credit loss provision to net charge-offs | 27.5862% | 1,907 |
| Earnings coverage of net charge-offs (x) | 11.2414% | 2,157 |
| Efficiency ratio | 83.2563% | 526 |
| Assets per employee ($millions) | 5.3781% | 3,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2600% | 4,564 |
| Loan loss allowance to noncurrent loans | 24.0000% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5071% | 1,007 |
| Noncurrent loans to loans | 1.0835% | 664 |
| Net loans and leases to total assets | 46.6800% | 3,757 |
| Net loans and leases to deposits | 53.4540% | 3,709 |
| Net loans and leases to core deposits | 54.0556% | 3,804 |
| Total domestic deposits to total assets | 87.3300% | 2,283 |
| Equity capital to assets | 12.3667% | 830 |
| Core capital (leverage) ratio | 15.0453% | 568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $60,417,600 | 4,332 |
| Average earning assets | $54,666,600 | 4,328 |
| Average equity | $7,784,200 | 4,120 |
| Average total loans | $27,515,000 | 4,275 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2356% | 3,345 |
| Cost of funding earning assets | 0.1260% | 4,066 |
| Net interest margin | 3.1095% | 2,903 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.6542% | 1,583 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.3381% | 4,334 |
| Return on assets (ROA) | 0.3381% | 4,287 |
| Pretax return on assets | 0.4544% | 4,203 |
| Return on Equity (ROE) | 2.6000% | 4,344 |
| Retained earnings to average equity (ytd only) | 2.5987% | 3,894 |
| Net charge-offs to loans | 0.1407% | 466 |
| Credit loss provision to net charge-offs | 13.7931% | 1,649 |
| Earnings coverage of net charge-offs (x) | 7.2759% | 2,082 |
| Efficiency ratio | 85.1408% | 490 |
| Assets per employee ($millions) | 5.0409% | 3,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2531% | 4,610 |
| Loan loss allowance to noncurrent loans | 28.4519% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 1,376 |
| Noncurrent loans to loans | 0.8897% | 882 |
| Net loans and leases to total assets | 44.3000% | 3,856 |
| Net loans and leases to deposits | 50.1892% | 3,843 |
| Net loans and leases to core deposits | 51.0138% | 3,903 |
| Total domestic deposits to total assets | 88.2600% | 2,338 |
| Equity capital to assets | 11.5538% | 985 |
| Core capital (leverage) ratio | 14.6171% | 594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $60,732,250 | 4,363 |
| Average earning assets | $55,012,250 | 4,360 |
| Average equity | $7,901,250 | 4,144 |
| Average total loans | $27,471,500 | 4,309 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1322% | 3,235 |
| Cost of funding earning assets | 0.1343% | 3,783 |
| Net interest margin | 2.9979% | 2,883 |
| Noninterest income to average assets | 0.2795% | 3,493 |
| Noninterest expense to average assets | 2.6080% | 1,612 |
| Loan and lease loss provision to assets | 0.0132% | 2,357 |
| Net operating income to assets | 0.2565% | 4,352 |
| Return on assets (ROA) | 0.2565% | 4,309 |
| Pretax return on assets | 0.3749% | 4,197 |
| Return on Equity (ROE) | 1.9012% | 4,362 |
| Retained earnings to average equity (ytd only) | 1.9012% | 3,779 |
| Net charge-offs to loans | 0.2240% | 289 |
| Credit loss provision to net charge-offs | 12.9032% | 1,624 |
| Earnings coverage of net charge-offs (x) | 3.8065% | 1,982 |
| Efficiency ratio | 87.0472% | 534 |
| Assets per employee ($millions) | 5.1254% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2452% | 4,681 |
| Loan loss allowance to noncurrent loans | 25.0000% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 826 |
| Noncurrent loans to loans | 0.9807% | 854 |
| Net loans and leases to total assets | 44.3232% | 3,810 |
| Net loans and leases to deposits | 50.7172% | 3,771 |
| Net loans and leases to core deposits | 51.7896% | 3,830 |
| Total domestic deposits to total assets | 87.3929% | 2,799 |
| Equity capital to assets | 12.4526% | 774 |
| Core capital (leverage) ratio | 14.7062% | 515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,812,667 | 4,407 |
| Average earning assets | $55,104,333 | 4,413 |
| Average equity | $8,205,333 | 4,180 |
| Average total loans | $27,674,000 | 4,363 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0704% | 3,053 |
| Cost of funding earning assets | 0.1386% | 3,653 |
| Net interest margin | 2.9318% | 2,729 |
| Noninterest income to average assets | 0.2712% | 3,509 |
| Noninterest expense to average assets | 2.5336% | 1,800 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2778% | 4,183 |
| Return on assets (ROA) | 0.2778% | 4,152 |
| Pretax return on assets | 0.3969% | 4,038 |
| Return on Equity (ROE) | 1.9815% | 4,259 |
| Retained earnings to average equity (ytd only) | 1.9815% | 3,543 |
| Net charge-offs to loans | 0.4309% | 161 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 1,720 |
| Efficiency ratio | 86.4560% | 712 |
| Assets per employee ($millions) | 5.1218% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2325% | 4,710 |
| Loan loss allowance to noncurrent loans | 56.6372% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 1,198 |
| Noncurrent loans to loans | 0.4105% | 2,020 |
| Net loans and leases to total assets | 44.6869% | 3,687 |
| Net loans and leases to deposits | 51.9217% | 3,574 |
| Net loans and leases to core deposits | 52.7828% | 3,683 |
| Total domestic deposits to total assets | 86.0660% | 3,237 |
| Equity capital to assets | 13.0994% | 671 |
| Core capital (leverage) ratio | 15.1010% | 422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,466,500 | 4,431 |
| Average earning assets | $54,846,000 | 4,435 |
| Average equity | $8,478,500 | 4,213 |
| Average total loans | $27,847,000 | 4,373 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2299% | 3,404 |
| Cost of funding earning assets | 0.1861% | 3,586 |
| Net interest margin | 3.0438% | 3,065 |
| Noninterest income to average assets | 0.2799% | 3,716 |
| Noninterest expense to average assets | 2.8039% | 1,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1838% | 4,553 |
| Return on assets (ROA) | 0.1838% | 4,569 |
| Pretax return on assets | 0.2344% | 4,541 |
| Return on Equity (ROE) | 1.2121% | 4,587 |
| Retained earnings to average equity (ytd only) | 1.2121% | 4,202 |
| Net charge-offs to loans | -0.0101% | 3,744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2863% | 264 |
| Assets per employee ($millions) | 3.9648% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3337% | 4,710 |
| Loan loss allowance to noncurrent loans | 34.8148% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 927 |
| Noncurrent loans to loans | 0.9586% | 1,048 |
| Net loans and leases to total assets | 47.2004% | 3,581 |
| Net loans and leases to deposits | 55.5443% | 3,463 |
| Net loans and leases to core deposits | 56.5082% | 3,580 |
| Total domestic deposits to total assets | 84.9778% | 3,277 |
| Equity capital to assets | 14.9751% | 495 |
| Core capital (leverage) ratio | 15.0117% | 460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,309,200 | 4,462 |
| Average earning assets | $53,748,000 | 4,468 |
| Average equity | $8,992,400 | 4,244 |
| Average total loans | $29,687,000 | 4,380 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2503% | 3,515 |
| Cost of funding earning assets | 0.1963% | 3,643 |
| Net interest margin | 3.0540% | 3,165 |
| Noninterest income to average assets | 0.2565% | 3,860 |
| Noninterest expense to average assets | 2.7895% | 1,368 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1192% | 4,684 |
| Return on assets (ROA) | 0.1192% | 4,703 |
| Pretax return on assets | 0.2317% | 4,648 |
| Return on Equity (ROE) | 0.7839% | 4,707 |
| Retained earnings to average equity (ytd only) | 0.7839% | 4,454 |
| Net charge-offs to loans | -0.0310% | 4,146 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3306% | 262 |
| Assets per employee ($millions) | 4.0506% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3408% | 4,793 |
| Loan loss allowance to noncurrent loans | 29.5181% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 927 |
| Noncurrent loans to loans | 1.1545% | 970 |
| Net loans and leases to total assets | 47.1683% | 3,693 |
| Net loans and leases to deposits | 55.4161% | 3,629 |
| Net loans and leases to core deposits | 56.3554% | 3,745 |
| Total domestic deposits to total assets | 85.1166% | 3,074 |
| Equity capital to assets | 14.7402% | 586 |
| Core capital (leverage) ratio | 14.8504% | 512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,268,500 | 4,517 |
| Average earning assets | $53,655,750 | 4,524 |
| Average equity | $9,014,000 | 4,301 |
| Average total loans | $30,067,500 | 4,429 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3110% | 3,395 |
| Cost of funding earning assets | 0.2072% | 3,677 |
| Net interest margin | 3.1039% | 3,024 |
| Noninterest income to average assets | 0.2518% | 3,892 |
| Noninterest expense to average assets | 2.8075% | 1,337 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1327% | 4,683 |
| Return on assets (ROA) | 0.1327% | 4,704 |
| Pretax return on assets | 0.2484% | 4,635 |
| Return on Equity (ROE) | 0.8635% | 4,722 |
| Retained earnings to average equity (ytd only) | 0.8635% | 4,373 |
| Net charge-offs to loans | 0.0066% | 1,902 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 880 |
| Efficiency ratio | 91.8708% | 298 |
| Assets per employee ($millions) | 4.0327% | 4,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3106% | 4,841 |
| Loan loss allowance to noncurrent loans | 25.8523% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 0.8134% | 983 |
| Noncurrent loans to loans | 1.2015% | 999 |
| Net loans and leases to total assets | 48.2824% | 3,701 |
| Net loans and leases to deposits | 56.8808% | 3,646 |
| Net loans and leases to core deposits | 57.8520% | 3,766 |
| Total domestic deposits to total assets | 84.8835% | 3,148 |
| Equity capital to assets | 14.9446% | 536 |
| Core capital (leverage) ratio | 15.0864% | 463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,771,667 | 4,550 |
| Average earning assets | $53,095,000 | 4,561 |
| Average equity | $9,033,333 | 4,324 |
| Average total loans | $30,504,333 | 4,458 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4062% | 3,174 |
| Cost of funding earning assets | 0.2302% | 3,641 |
| Net interest margin | 3.1761% | 2,770 |
| Noninterest income to average assets | 0.2417% | 3,948 |
| Noninterest expense to average assets | 2.8595% | 1,238 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1312% | 4,686 |
| Return on assets (ROA) | 0.1312% | 4,707 |
| Pretax return on assets | 0.2417% | 4,649 |
| Return on Equity (ROE) | 0.8416% | 4,724 |
| Retained earnings to average equity (ytd only) | 0.8416% | 4,245 |
| Net charge-offs to loans | -0.0129% | 3,781 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2049% | 324 |
| Assets per employee ($millions) | 3.8997% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2948% | 4,875 |
| Loan loss allowance to noncurrent loans | 28.3912% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 0.7796% | 1,159 |
| Noncurrent loans to loans | 1.0382% | 1,291 |
| Net loans and leases to total assets | 52.0455% | 3,445 |
| Net loans and leases to deposits | 61.6151% | 3,361 |
| Net loans and leases to core deposits | 62.7065% | 3,529 |
| Total domestic deposits to total assets | 84.4688% | 3,290 |
| Equity capital to assets | 15.3552% | 460 |
| Core capital (leverage) ratio | 16.2297% | 363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,912,500 | 4,580 |
| Average earning assets | $52,139,500 | 4,588 |
| Average equity | $9,030,000 | 4,330 |
| Average total loans | $31,108,000 | 4,472 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9199% | 2,976 |
| Cost of funding earning assets | 0.3976% | 3,598 |
| Net interest margin | 3.5223% | 2,402 |
| Noninterest income to average assets | 0.2712% | 3,853 |
| Noninterest expense to average assets | 3.1953% | 1,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2454% | 4,504 |
| Return on assets (ROA) | 0.2454% | 4,568 |
| Pretax return on assets | 0.2140% | 4,641 |
| Return on Equity (ROE) | 1.4785% | 4,627 |
| Retained earnings to average equity (ytd only) | 1.4785% | 4,043 |
| Net charge-offs to loans | 0.0577% | 1,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 6.1053% | 2,808 |
| Efficiency ratio | 93.7229% | 276 |
| Assets per employee ($millions) | 3.5831% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2841% | 4,906 |
| Loan loss allowance to noncurrent loans | 19.3966% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.1146% | 818 |
| Noncurrent loans to loans | 1.4646% | 916 |
| Net loans and leases to total assets | 55.1055% | 3,381 |
| Net loans and leases to deposits | 65.6935% | 3,303 |
| Net loans and leases to core deposits | 67.2499% | 3,462 |
| Total domestic deposits to total assets | 83.8828% | 3,148 |
| Equity capital to assets | 15.8346% | 447 |
| Core capital (leverage) ratio | 16.2896% | 363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.2151% | 213 |
| Memoranda: | ||
| Average total assets | $54,204,000 | 4,597 |
| Average earning assets | $48,292,400 | 4,610 |
| Average equity | $8,995,800 | 4,319 |
| Average total loans | $32,909,600 | 4,460 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0444% | 2,845 |
| Cost of funding earning assets | 0.4291% | 3,648 |
| Net interest margin | 3.6153% | 2,226 |
| Noninterest income to average assets | 0.2371% | 4,076 |
| Noninterest expense to average assets | 3.2470% | 984 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2071% | 4,577 |
| Return on assets (ROA) | 0.2071% | 4,621 |
| Pretax return on assets | 0.2071% | 4,651 |
| Return on Equity (ROE) | 1.2330% | 4,670 |
| Retained earnings to average equity (ytd only) | 1.2330% | 4,170 |
| Net charge-offs to loans | -0.0040% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0029% | 264 |
| Assets per employee ($millions) | 3.5015% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3323% | 4,920 |
| Loan loss allowance to noncurrent loans | 18.0921% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.1834% | 859 |
| Noncurrent loans to loans | 1.8370% | 710 |
| Net loans and leases to total assets | 58.8819% | 3,336 |
| Net loans and leases to deposits | 70.4706% | 3,271 |
| Net loans and leases to core deposits | 72.1885% | 3,457 |
| Total domestic deposits to total assets | 83.5553% | 2,970 |
| Equity capital to assets | 16.1395% | 457 |
| Core capital (leverage) ratio | 15.9105% | 426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0675% | 240 |
| Memoranda: | ||
| Average total assets | $53,422,500 | 4,626 |
| Average earning assets | $47,537,750 | 4,645 |
| Average equity | $8,975,250 | 4,326 |
| Average total loans | $33,216,500 | 4,481 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1626% | 2,873 |
| Cost of funding earning assets | 0.4449% | 3,819 |
| Net interest margin | 3.7176% | 2,101 |
| Noninterest income to average assets | 0.2207% | 4,170 |
| Noninterest expense to average assets | 3.3146% | 970 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2131% | 4,560 |
| Return on assets (ROA) | 0.2131% | 4,599 |
| Pretax return on assets | 0.2131% | 4,623 |
| Return on Equity (ROE) | 1.2510% | 4,658 |
| Retained earnings to average equity (ytd only) | 1.2510% | 4,028 |
| Net charge-offs to loans | -0.0060% | 4,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9590% | 296 |
| Assets per employee ($millions) | 3.4454% | 4,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3287% | 4,947 |
| Loan loss allowance to noncurrent loans | 21.2355% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.0394% | 1,140 |
| Noncurrent loans to loans | 1.5477% | 970 |
| Net loans and leases to total assets | 60.5130% | 3,265 |
| Net loans and leases to deposits | 72.6143% | 3,202 |
| Net loans and leases to core deposits | 73.8456% | 3,472 |
| Total domestic deposits to total assets | 83.3348% | 2,983 |
| Equity capital to assets | 16.3731% | 426 |
| Core capital (leverage) ratio | 16.3204% | 405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0334% | 241 |
| Memoranda: | ||
| Average total assets | $52,555,333 | 4,653 |
| Average earning assets | $46,750,000 | 4,678 |
| Average equity | $8,953,000 | 4,343 |
| Average total loans | $33,256,000 | 4,497 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4133% | 2,572 |
| Cost of funding earning assets | 0.4659% | 4,086 |
| Net interest margin | 3.9473% | 1,540 |
| Noninterest income to average assets | 0.1794% | 4,470 |
| Noninterest expense to average assets | 3.4953% | 945 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1872% | 4,543 |
| Return on assets (ROA) | 0.1872% | 4,554 |
| Pretax return on assets | 0.1872% | 4,581 |
| Return on Equity (ROE) | 1.0767% | 4,619 |
| Retained earnings to average equity (ytd only) | 1.0767% | 3,723 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9153% | 351 |
| Assets per employee ($millions) | 3.2433% | 4,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3302% | 4,976 |
| Loan loss allowance to noncurrent loans | 18.8482% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.2160% | 1,009 |
| Noncurrent loans to loans | 1.7520% | 862 |
| Net loans and leases to total assets | 62.8170% | 3,215 |
| Net loans and leases to deposits | 76.1541% | 3,059 |
| Net loans and leases to core deposits | 77.0852% | 3,424 |
| Total domestic deposits to total assets | 82.4867% | 3,264 |
| Equity capital to assets | 17.2474% | 413 |
| Core capital (leverage) ratio | 17.0682% | 405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,269,500 | 4,689 |
| Average earning assets | $45,499,000 | 4,712 |
| Average equity | $8,916,500 | 4,375 |
| Average total loans | $33,149,500 | 4,531 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6196% | 2,549 |
| Cost of funding earning assets | 0.4427% | 4,297 |
| Net interest margin | 4.1769% | 1,362 |
| Noninterest income to average assets | 0.3037% | 3,871 |
| Noninterest expense to average assets | 3.4289% | 1,066 |
| Loan and lease loss provision to assets | 0.0442% | 3,125 |
| Net operating income to assets | 0.5170% | 4,369 |
| Return on assets (ROA) | 0.5170% | 4,419 |
| Pretax return on assets | 0.5478% | 4,497 |
| Return on Equity (ROE) | 3.0969% | 4,650 |
| Retained earnings to average equity (ytd only) | 3.0969% | 3,473 |
| Net charge-offs to loans | 0.0569% | 2,289 |
| Credit loss provision to net charge-offs | 121.0526% | 2,099 |
| Earnings coverage of net charge-offs (x) | 16.2105% | 2,189 |
| Efficiency ratio | 85.2772% | 585 |
| Assets per employee ($millions) | 3.1654% | 4,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3245% | 5,031 |
| Loan loss allowance to noncurrent loans | 11.6453% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 2.1443% | 353 |
| Noncurrent loans to loans | 2.7862% | 363 |
| Net loans and leases to total assets | 66.1145% | 2,935 |
| Net loans and leases to deposits | 80.5102% | 2,722 |
| Net loans and leases to core deposits | 81.5276% | 3,175 |
| Total domestic deposits to total assets | 82.1194% | 3,479 |
| Equity capital to assets | 17.5390% | 410 |
| Core capital (leverage) ratio | 16.8577% | 430 |
| Tier 1 risk-based capital ratio | 29.0277% | 516 |
| Total risk-based capital ratio | 29.3851% | 541 |
| Memoranda: | ||
| Average total assets | $52,028,600 | 4,719 |
| Average earning assets | $46,302,600 | 4,744 |
| Average equity | $8,686,200 | 4,421 |
| Average total loans | $33,376,600 | 4,569 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6442% | 2,586 |
| Cost of funding earning assets | 0.4290% | 4,403 |
| Net interest margin | 4.2153% | 1,343 |
| Noninterest income to average assets | 0.2647% | 4,159 |
| Noninterest expense to average assets | 3.4087% | 1,073 |
| Loan and lease loss provision to assets | 0.0204% | 3,500 |
| Net operating income to assets | 0.5473% | 4,408 |
| Return on assets (ROA) | 0.5473% | 4,464 |
| Pretax return on assets | 0.5881% | 4,563 |
| Return on Equity (ROE) | 3.3190% | 4,711 |
| Retained earnings to average equity (ytd only) | 3.3190% | 3,748 |
| Net charge-offs to loans | 0.0080% | 3,089 |
| Credit loss provision to net charge-offs | 400.0000% | 752 |
| Earnings coverage of net charge-offs (x) | 119.3483% | 653 |
| Efficiency ratio | 84.8542% | 562 |
| Assets per employee ($millions) | 3.2607% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3313% | 5,102 |
| Loan loss allowance to noncurrent loans | 16.9985% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 1.4625% | 781 |
| Noncurrent loans to loans | 1.9491% | 701 |
| Net loans and leases to total assets | 64.0030% | 3,287 |
| Net loans and leases to deposits | 78.2064% | 3,076 |
| Net loans and leases to core deposits | 79.1725% | 3,452 |
| Total domestic deposits to total assets | 81.8386% | 3,515 |
| Equity capital to assets | 16.9098% | 492 |
| Core capital (leverage) ratio | 16.5687% | 491 |
| Tier 1 risk-based capital ratio | 28.7160% | 523 |
| Total risk-based capital ratio | 29.0783% | 571 |
| Memoranda: | ||
| Average total assets | $52,374,000 | 4,784 |
| Average earning assets | $46,623,000 | 4,806 |
| Average equity | $8,637,000 | 4,477 |
| Average total loans | $33,322,250 | 4,629 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6557% | 2,496 |
| Cost of funding earning assets | 0.4026% | 4,495 |
| Net interest margin | 4.2531% | 1,232 |
| Noninterest income to average assets | 0.2593% | 4,202 |
| Noninterest expense to average assets | 3.3828% | 1,135 |
| Loan and lease loss provision to assets | 0.0305% | 3,209 |
| Net operating income to assets | 0.5835% | 4,350 |
| Return on assets (ROA) | 0.5835% | 4,388 |
| Pretax return on assets | 0.6331% | 4,485 |
| Return on Equity (ROE) | 3.5684% | 4,676 |
| Retained earnings to average equity (ytd only) | 3.5684% | 3,464 |
| Net charge-offs to loans | 0.0481% | 1,958 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 21.7500% | 1,723 |
| Efficiency ratio | 83.6004% | 682 |
| Assets per employee ($millions) | 3.2819% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3193% | 5,159 |
| Loan loss allowance to noncurrent loans | 18.4348% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 1.3045% | 975 |
| Noncurrent loans to loans | 1.7321% | 877 |
| Net loans and leases to total assets | 63.0173% | 3,447 |
| Net loans and leases to deposits | 76.6616% | 3,275 |
| Net loans and leases to core deposits | 77.6019% | 3,608 |
| Total domestic deposits to total assets | 82.2018% | 3,457 |
| Equity capital to assets | 16.6213% | 513 |
| Core capital (leverage) ratio | 16.4517% | 492 |
| Tier 1 risk-based capital ratio | 29.4647% | 498 |
| Total risk-based capital ratio | 29.8223% | 526 |
| Memoranda: | ||
| Average total assets | $52,441,670 | 4,813 |
| Average earning assets | $46,695,000 | 4,841 |
| Average equity | $8,575,330 | 4,503 |
| Average total loans | $33,262,330 | 4,667 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6866% | 2,269 |
| Cost of funding earning assets | 0.3763% | 4,583 |
| Net interest margin | 4.3103% | 1,074 |
| Noninterest income to average assets | 0.2290% | 4,366 |
| Noninterest expense to average assets | 3.3889% | 1,130 |
| Loan and lease loss provision to assets | 0.0611% | 2,435 |
| Net operating income to assets | 0.5724% | 4,325 |
| Return on assets (ROA) | 0.5724% | 4,356 |
| Pretax return on assets | 0.6259% | 4,468 |
| Return on Equity (ROE) | 3.5298% | 4,672 |
| Retained earnings to average equity (ytd only) | 3.5298% | 3,499 |
| Net charge-offs to loans | 0.0961% | 1,172 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 11.2500% | 1,917 |
| Efficiency ratio | 83.1461% | 777 |
| Assets per employee ($millions) | 3.2574% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3205% | 5,231 |
| Loan loss allowance to noncurrent loans | 19.5896% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 1.2395% | 1,075 |
| Noncurrent loans to loans | 1.6360% | 965 |
| Net loans and leases to total assets | 62.6585% | 3,440 |
| Net loans and leases to deposits | 76.9414% | 3,172 |
| Net loans and leases to core deposits | 77.4450% | 3,564 |
| Total domestic deposits to total assets | 81.4367% | 3,869 |
| Equity capital to assets | 16.4719% | 502 |
| Core capital (leverage) ratio | 16.3374% | 491 |
| Tier 1 risk-based capital ratio | 30.3921% | 462 |
| Total risk-based capital ratio | 30.7606% | 483 |
| Memoranda: | ||
| Average total assets | $52,407,000 | 4,866 |
| Average earning assets | $46,771,500 | 4,893 |
| Average equity | $8,499,000 | 4,540 |
| Average total loans | $33,295,000 | 4,724 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4727% | 2,543 |
| Cost of funding earning assets | 0.2772% | 4,670 |
| Net interest margin | 4.1955% | 1,396 |
| Noninterest income to average assets | 0.2987% | 4,108 |
| Noninterest expense to average assets | 3.3359% | 1,248 |
| Loan and lease loss provision to assets | 0.0597% | 2,969 |
| Net operating income to assets | 0.6048% | 4,406 |
| Return on assets (ROA) | 0.6048% | 4,412 |
| Pretax return on assets | 0.6608% | 4,515 |
| Return on Equity (ROE) | 3.9241% | 4,730 |
| Retained earnings to average equity (ytd only) | 3.9241% | 3,419 |
| Net charge-offs to loans | 0.0959% | 1,807 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 12.0625% | 2,569 |
| Efficiency ratio | 82.2365% | 781 |
| Assets per employee ($millions) | 3.2934% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3104% | 5,276 |
| Loan loss allowance to noncurrent loans | 21.0000% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 1.1671% | 1,124 |
| Noncurrent loans to loans | 1.4781% | 1,037 |
| Net loans and leases to total assets | 63.9966% | 3,359 |
| Net loans and leases to deposits | 78.1294% | 3,151 |
| Net loans and leases to core deposits | 78.6396% | 3,529 |
| Total domestic deposits to total assets | 81.9110% | 3,662 |
| Equity capital to assets | 15.9655% | 538 |
| Core capital (leverage) ratio | 15.8154% | 548 |
| Tier 1 risk-based capital ratio | 29.5405% | 485 |
| Total risk-based capital ratio | 29.9019% | 523 |
| Memoranda: | ||
| Average total assets | $53,568,600 | 4,877 |
| Average earning assets | $47,980,200 | 4,894 |
| Average equity | $8,256,600 | 4,566 |
| Average total loans | $33,385,200 | 4,738 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4480% | 2,469 |
| Cost of funding earning assets | 0.2707% | 4,671 |
| Net interest margin | 4.1773% | 1,428 |
| Noninterest income to average assets | 0.2628% | 4,395 |
| Noninterest expense to average assets | 3.2993% | 1,305 |
| Loan and lease loss provision to assets | 0.0025% | 3,917 |
| Net operating income to assets | 0.6445% | 4,380 |
| Return on assets (ROA) | 0.6445% | 4,390 |
| Pretax return on assets | 0.7090% | 4,512 |
| Return on Equity (ROE) | 4.2186% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.2186% | 3,664 |
| Net charge-offs to loans | 0.0441% | 2,215 |
| Credit loss provision to net charge-offs | 9.0909% | 3,057 |
| Earnings coverage of net charge-offs (x) | 26.0845% | 1,757 |
| Efficiency ratio | 82.2621% | 761 |
| Assets per employee ($millions) | 3.3466% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2812% | 5,365 |
| Loan loss allowance to noncurrent loans | 17.1480% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 1.3017% | 1,047 |
| Noncurrent loans to loans | 1.6401% | 960 |
| Net loans and leases to total assets | 62.9048% | 3,555 |
| Net loans and leases to deposits | 76.2663% | 3,395 |
| Net loans and leases to core deposits | 76.7581% | 3,755 |
| Total domestic deposits to total assets | 82.4805% | 3,467 |
| Equity capital to assets | 15.4914% | 616 |
| Core capital (leverage) ratio | 15.5416% | 588 |
| Tier 1 risk-based capital ratio | 28.5729% | 539 |
| Total risk-based capital ratio | 28.8915% | 580 |
| Memoranda: | ||
| Average total assets | $53,787,000 | 4,929 |
| Average earning assets | $48,260,000 | 4,945 |
| Average equity | $8,217,500 | 4,621 |
| Average total loans | $33,274,500 | 4,789 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4138% | 2,370 |
| Cost of funding earning assets | 0.2521% | 4,734 |
| Net interest margin | 4.1617% | 1,373 |
| Noninterest income to average assets | 0.2376% | 4,592 |
| Noninterest expense to average assets | 3.3007% | 1,318 |
| Loan and lease loss provision to assets | 0.0037% | 3,742 |
| Net operating income to assets | 0.6163% | 4,442 |
| Return on assets (ROA) | 0.6163% | 4,448 |
| Pretax return on assets | 0.6720% | 4,580 |
| Return on Equity (ROE) | 4.0529% | 4,808 |
| Retained earnings to average equity (ytd only) | 4.0529% | 3,586 |
| Net charge-offs to loans | 0.0665% | 1,674 |
| Credit loss provision to net charge-offs | 9.0909% | 2,733 |
| Earnings coverage of net charge-offs (x) | 16.5455% | 1,992 |
| Efficiency ratio | 83.0065% | 761 |
| Assets per employee ($millions) | 3.3883% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2877% | 5,422 |
| Loan loss allowance to noncurrent loans | 26.6854% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 0.9205% | 1,639 |
| Noncurrent loans to loans | 1.0782% | 1,635 |
| Net loans and leases to total assets | 60.7301% | 3,737 |
| Net loans and leases to deposits | 73.2746% | 3,600 |
| Net loans and leases to core deposits | 73.7456% | 3,894 |
| Total domestic deposits to total assets | 82.8802% | 3,441 |
| Equity capital to assets | 15.1590% | 660 |
| Core capital (leverage) ratio | 15.3990% | 589 |
| Tier 1 risk-based capital ratio | 28.7244% | 532 |
| Total risk-based capital ratio | 29.0483% | 562 |
| Memoranda: | ||
| Average total assets | $53,867,330 | 4,983 |
| Average earning assets | $48,393,670 | 4,997 |
| Average equity | $8,191,670 | 4,662 |
| Average total loans | $33,106,670 | 4,835 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3811% | 2,264 |
| Cost of funding earning assets | 0.2567% | 4,669 |
| Net interest margin | 4.1244% | 1,378 |
| Noninterest income to average assets | 0.2831% | 4,281 |
| Noninterest expense to average assets | 3.3448% | 1,261 |
| Loan and lease loss provision to assets | 0.0074% | 3,414 |
| Net operating income to assets | 0.5885% | 4,456 |
| Return on assets (ROA) | 0.5885% | 4,462 |
| Pretax return on assets | 0.6407% | 4,590 |
| Return on Equity (ROE) | 3.8638% | 4,796 |
| Retained earnings to average equity (ytd only) | 3.8638% | 3,646 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7687% | 813 |
| Assets per employee ($millions) | 3.3913% | 4,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3187% | 5,479 |
| Loan loss allowance to noncurrent loans | 22.5053% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 1.2256% | 1,233 |
| Noncurrent loans to loans | 1.4160% | 1,255 |
| Net loans and leases to total assets | 61.1058% | 3,633 |
| Net loans and leases to deposits | 73.6146% | 3,453 |
| Net loans and leases to core deposits | 74.0933% | 3,820 |
| Total domestic deposits to total assets | 83.0077% | 3,663 |
| Equity capital to assets | 15.0405% | 664 |
| Core capital (leverage) ratio | 15.4950% | 556 |
| Tier 1 risk-based capital ratio | 29.9057% | 477 |
| Total risk-based capital ratio | 30.2859% | 511 |
| Memoranda: | ||
| Average total assets | $53,695,000 | 5,042 |
| Average earning assets | $48,298,500 | 5,055 |
| Average equity | $8,178,500 | 4,716 |
| Average total loans | $33,151,000 | 4,886 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2348% | 2,562 |
| Cost of funding earning assets | 0.2479% | 4,584 |
| Net interest margin | 3.9869% | 1,784 |
| Noninterest income to average assets | 0.2155% | 4,863 |
| Noninterest expense to average assets | 3.3016% | 1,377 |
| Loan and lease loss provision to assets | 0.0334% | 3,594 |
| Net operating income to assets | 0.5370% | 4,273 |
| Return on assets (ROA) | 0.5370% | 4,307 |
| Pretax return on assets | 0.4663% | 4,981 |
| Return on Equity (ROE) | 3.5785% | 4,655 |
| Retained earnings to average equity (ytd only) | 3.5785% | 3,127 |
| Net charge-offs to loans | 0.1161% | 1,884 |
| Credit loss provision to net charge-offs | 47.3684% | 3,359 |
| Earnings coverage of net charge-offs (x) | 7.0789% | 3,093 |
| Efficiency ratio | 86.8524% | 590 |
| Assets per employee ($millions) | 3.3124% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3191% | 5,543 |
| Loan loss allowance to noncurrent loans | 25.4854% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 1.1434% | 1,309 |
| Noncurrent loans to loans | 1.2520% | 1,406 |
| Net loans and leases to total assets | 61.8948% | 3,637 |
| Net loans and leases to deposits | 75.1139% | 3,419 |
| Net loans and leases to core deposits | 76.0720% | 3,738 |
| Total domestic deposits to total assets | 82.4012% | 3,757 |
| Equity capital to assets | 15.4647% | 590 |
| Core capital (leverage) ratio | 15.4024% | 555 |
| Tier 1 risk-based capital ratio | 29.5829% | 476 |
| Total risk-based capital ratio | 29.9595% | 507 |
| Memoranda: | ||
| Average total assets | $53,822,400 | 5,080 |
| Average earning assets | $48,408,200 | 5,098 |
| Average equity | $8,076,000 | 4,775 |
| Average total loans | $32,731,600 | 4,934 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2330% | 2,507 |
| Cost of funding earning assets | 0.2442% | 4,619 |
| Net interest margin | 3.9888% | 1,736 |
| Noninterest income to average assets | 0.2789% | 4,518 |
| Noninterest expense to average assets | 3.2402% | 1,478 |
| Loan and lease loss provision to assets | 0.0296% | 3,530 |
| Net operating income to assets | 0.5158% | 4,687 |
| Return on assets (ROA) | 0.5158% | 4,716 |
| Pretax return on assets | 0.5972% | 4,849 |
| Return on Equity (ROE) | 3.4633% | 4,989 |
| Retained earnings to average equity (ytd only) | 3.4633% | 3,862 |
| Net charge-offs to loans | 0.2692% | 805 |
| Credit loss provision to net charge-offs | 18.1818% | 3,170 |
| Earnings coverage of net charge-offs (x) | 3.8484% | 3,292 |
| Efficiency ratio | 83.7907% | 770 |
| Assets per employee ($millions) | 3.3424% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2170% | 5,650 |
| Loan loss allowance to noncurrent loans | 20.0565% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 0.9331% | 1,833 |
| Noncurrent loans to loans | 1.0820% | 1,779 |
| Net loans and leases to total assets | 61.0475% | 3,762 |
| Net loans and leases to deposits | 74.0060% | 3,565 |
| Net loans and leases to core deposits | 74.9558% | 3,891 |
| Total domestic deposits to total assets | 82.4900% | 3,632 |
| Equity capital to assets | 15.2605% | 681 |
| Core capital (leverage) ratio | 15.1923% | 624 |
| Tier 1 risk-based capital ratio | 29.7928% | 484 |
| Total risk-based capital ratio | 30.0518% | 523 |
| Memoranda: | ||
| Average total assets | $54,028,500 | 5,134 |
| Average earning assets | $48,601,000 | 5,151 |
| Average equity | $8,046,000 | 4,832 |
| Average total loans | $32,687,250 | 4,986 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1821% | 2,540 |
| Cost of funding earning assets | 0.2458% | 4,581 |
| Net interest margin | 3.9363% | 1,822 |
| Noninterest income to average assets | 0.2804% | 4,550 |
| Noninterest expense to average assets | 3.2502% | 1,471 |
| Loan and lease loss provision to assets | 0.0148% | 3,659 |
| Net operating income to assets | 0.4944% | 4,722 |
| Return on assets (ROA) | 0.4944% | 4,759 |
| Pretax return on assets | 0.5608% | 4,880 |
| Return on Equity (ROE) | 3.3468% | 5,024 |
| Retained earnings to average equity (ytd only) | 3.3468% | 3,726 |
| Net charge-offs to loans | 0.1653% | 1,177 |
| Credit loss provision to net charge-offs | 14.8148% | 2,822 |
| Earnings coverage of net charge-offs (x) | 5.7778% | 2,785 |
| Efficiency ratio | 84.9566% | 767 |
| Assets per employee ($millions) | 3.3179% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3101% | 5,662 |
| Loan loss allowance to noncurrent loans | 34.0000% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 0.9663% | 1,815 |
| Noncurrent loans to loans | 0.9120% | 2,147 |
| Net loans and leases to total assets | 61.7741% | 3,654 |
| Net loans and leases to deposits | 73.9136% | 3,556 |
| Net loans and leases to core deposits | 74.8739% | 3,868 |
| Total domestic deposits to total assets | 83.5760% | 3,373 |
| Equity capital to assets | 15.2373% | 667 |
| Core capital (leverage) ratio | 14.8952% | 660 |
| Tier 1 risk-based capital ratio | 29.2040% | 501 |
| Total risk-based capital ratio | 29.5720% | 525 |
| Memoranda: | ||
| Average total assets | $54,212,000 | 5,167 |
| Average earning assets | $48,827,330 | 5,179 |
| Average equity | $8,007,670 | 4,860 |
| Average total loans | $32,677,000 | 5,018 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 2,511 |
| Cost of funding earning assets | 0.2431% | 4,591 |
| Net interest margin | 3.8978% | 1,785 |
| Noninterest income to average assets | 0.2775% | 4,564 |
| Noninterest expense to average assets | 3.2059% | 1,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5185% | 4,523 |
| Return on assets (ROA) | 0.5185% | 4,555 |
| Pretax return on assets | 0.5842% | 4,764 |
| Return on Equity (ROE) | 3.5647% | 4,932 |
| Retained earnings to average equity (ytd only) | 3.5647% | 3,658 |
| Net charge-offs to loans | 0.3316% | 554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.9630% | 2,528 |
| Efficiency ratio | 84.5857% | 919 |
| Assets per employee ($millions) | 3.4121% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2998% | 5,741 |
| Loan loss allowance to noncurrent loans | 24.5000% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 1.1210% | 1,583 |
| Noncurrent loans to loans | 1.2237% | 1,657 |
| Net loans and leases to total assets | 59.6970% | 3,816 |
| Net loans and leases to deposits | 71.6412% | 3,639 |
| Net loans and leases to core deposits | 72.5631% | 3,940 |
| Total domestic deposits to total assets | 83.3278% | 3,729 |
| Equity capital to assets | 14.6536% | 720 |
| Core capital (leverage) ratio | 14.6927% | 669 |
| Tier 1 risk-based capital ratio | 29.0721% | 511 |
| Total risk-based capital ratio | 29.4269% | 537 |
| Memoranda: | ||
| Average total assets | $54,774,500 | 5,211 |
| Average earning assets | $49,361,500 | 5,226 |
| Average equity | $7,967,000 | 4,904 |
| Average total loans | $32,567,500 | 5,074 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2071% | 2,464 |
| Cost of funding earning assets | 0.2505% | 4,560 |
| Net interest margin | 3.9567% | 1,761 |
| Noninterest income to average assets | 0.3137% | 4,496 |
| Noninterest expense to average assets | 3.2786% | 1,620 |
| Loan and lease loss provision to assets | 0.0587% | 3,213 |
| Net operating income to assets | 0.5027% | 4,619 |
| Return on assets (ROA) | 0.5027% | 4,693 |
| Pretax return on assets | 0.5412% | 4,945 |
| Return on Equity (ROE) | 3.4593% | 5,027 |
| Retained earnings to average equity (ytd only) | 3.4593% | 3,466 |
| Net charge-offs to loans | 0.1285% | 1,959 |
| Credit loss provision to net charge-offs | 74.4186% | 3,065 |
| Earnings coverage of net charge-offs (x) | 7.6047% | 2,996 |
| Efficiency ratio | 84.5317% | 964 |
| Assets per employee ($millions) | 3.4347% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3853% | 5,745 |
| Loan loss allowance to noncurrent loans | 20.5592% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 1.4157% | 1,207 |
| Noncurrent loans to loans | 1.8739% | 998 |
| Net loans and leases to total assets | 58.8136% | 3,985 |
| Net loans and leases to deposits | 70.5514% | 3,852 |
| Net loans and leases to core deposits | 71.8931% | 4,090 |
| Total domestic deposits to total assets | 83.3628% | 3,644 |
| Equity capital to assets | 14.4373% | 751 |
| Core capital (leverage) ratio | 14.2158% | 758 |
| Tier 1 risk-based capital ratio | 29.0549% | 513 |
| Total risk-based capital ratio | 29.5112% | 545 |
| Memoranda: | ||
| Average total assets | $54,505,600 | 5,254 |
| Average earning assets | $49,107,000 | 5,266 |
| Average equity | $7,920,600 | 4,946 |
| Average total loans | $33,469,200 | 5,086 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2287% | 2,423 |
| Cost of funding earning assets | 0.2531% | 4,577 |
| Net interest margin | 3.9757% | 1,723 |
| Noninterest income to average assets | 0.2892% | 4,701 |
| Noninterest expense to average assets | 3.2773% | 1,612 |
| Loan and lease loss provision to assets | 0.0490% | 3,265 |
| Net operating income to assets | 0.4829% | 4,754 |
| Return on assets (ROA) | 0.4829% | 4,846 |
| Pretax return on assets | 0.5442% | 5,025 |
| Return on Equity (ROE) | 3.3176% | 5,138 |
| Retained earnings to average equity (ytd only) | 3.3176% | 3,913 |
| Net charge-offs to loans | 0.1700% | 1,350 |
| Credit loss provision to net charge-offs | 46.5116% | 3,081 |
| Earnings coverage of net charge-offs (x) | 5.6281% | 3,103 |
| Efficiency ratio | 84.6738% | 933 |
| Assets per employee ($millions) | 3.3941% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3449% | 5,833 |
| Loan loss allowance to noncurrent loans | 17.6287% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 1.2301% | 1,607 |
| Noncurrent loans to loans | 1.9567% | 1,015 |
| Net loans and leases to total assets | 60.1149% | 3,860 |
| Net loans and leases to deposits | 70.9557% | 3,893 |
| Net loans and leases to core deposits | 72.3121% | 4,138 |
| Total domestic deposits to total assets | 84.7218% | 2,929 |
| Equity capital to assets | 14.8363% | 779 |
| Core capital (leverage) ratio | 14.3843% | 755 |
| Tier 1 risk-based capital ratio | 28.4487% | 555 |
| Total risk-based capital ratio | 28.8566% | 591 |
| Memoranda: | ||
| Average total assets | $54,393,250 | 5,306 |
| Average earning assets | $48,996,750 | 5,315 |
| Average equity | $7,917,250 | 5,000 |
| Average total loans | $33,725,000 | 5,125 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 2,185 |
| Cost of funding earning assets | 0.2574% | 4,576 |
| Net interest margin | 4.0323% | 1,543 |
| Noninterest income to average assets | 0.2830% | 4,760 |
| Noninterest expense to average assets | 3.3148% | 1,565 |
| Loan and lease loss provision to assets | 0.0588% | 2,968 |
| Net operating income to assets | 0.4814% | 4,757 |
| Return on assets (ROA) | 0.4814% | 4,853 |
| Pretax return on assets | 0.5365% | 5,055 |
| Return on Equity (ROE) | 3.3288% | 5,150 |
| Retained earnings to average equity (ytd only) | 3.3288% | 3,777 |
| Net charge-offs to loans | 0.1938% | 1,184 |
| Credit loss provision to net charge-offs | 48.4848% | 2,686 |
| Earnings coverage of net charge-offs (x) | 4.9091% | 2,925 |
| Efficiency ratio | 84.7744% | 984 |
| Assets per employee ($millions) | 3.3775% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3566% | 5,912 |
| Loan loss allowance to noncurrent loans | 20.0675% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 1.2213% | 1,688 |
| Noncurrent loans to loans | 1.7772% | 1,173 |
| Net loans and leases to total assets | 61.5266% | 3,682 |
| Net loans and leases to deposits | 72.5264% | 3,740 |
| Net loans and leases to core deposits | 73.9820% | 3,984 |
| Total domestic deposits to total assets | 84.8335% | 2,948 |
| Equity capital to assets | 14.8390% | 773 |
| Core capital (leverage) ratio | 14.2187% | 767 |
| Tier 1 risk-based capital ratio | 27.9852% | 597 |
| Total risk-based capital ratio | 28.4113% | 621 |
| Memoranda: | ||
| Average total assets | $54,422,330 | 5,361 |
| Average earning assets | $48,955,000 | 5,376 |
| Average equity | $7,870,670 | 5,047 |
| Average total loans | $34,047,000 | 5,170 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3602% | 1,933 |
| Cost of funding earning assets | 0.2603% | 4,607 |
| Net interest margin | 4.0999% | 1,348 |
| Noninterest income to average assets | 0.2783% | 4,727 |
| Noninterest expense to average assets | 3.4204% | 1,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4907% | 4,665 |
| Return on assets (ROA) | 0.4907% | 4,768 |
| Pretax return on assets | 0.5493% | 4,953 |
| Return on Equity (ROE) | 3.4374% | 5,089 |
| Retained earnings to average equity (ytd only) | 3.4374% | 3,786 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1624% | 961 |
| Assets per employee ($millions) | 3.4313% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3978% | 5,954 |
| Loan loss allowance to noncurrent loans | 20.8909% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 1.5318% | 1,318 |
| Noncurrent loans to loans | 1.9040% | 1,150 |
| Net loans and leases to total assets | 62.0298% | 3,523 |
| Net loans and leases to deposits | 72.6166% | 3,586 |
| Net loans and leases to core deposits | 74.0680% | 3,889 |
| Total domestic deposits to total assets | 85.4210% | 2,944 |
| Equity capital to assets | 14.3458% | 869 |
| Core capital (leverage) ratio | 14.0361% | 802 |
| Tier 1 risk-based capital ratio | 27.0633% | 667 |
| Total risk-based capital ratio | 27.5381% | 700 |
| Memoranda: | ||
| Average total assets | $54,613,500 | 5,407 |
| Average earning assets | $49,172,500 | 5,418 |
| Average equity | $7,796,500 | 5,090 |
| Average total loans | $34,386,500 | 5,201 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2821% | 2,276 |
| Cost of funding earning assets | 0.3542% | 3,653 |
| Net interest margin | 3.9278% | 1,936 |
| Noninterest income to average assets | 0.3352% | 4,503 |
| Noninterest expense to average assets | 3.0877% | 2,276 |
| Loan and lease loss provision to assets | 0.1046% | 2,239 |
| Net operating income to assets | 0.5870% | 4,345 |
| Return on assets (ROA) | 0.5870% | 4,438 |
| Pretax return on assets | 0.7023% | 4,525 |
| Return on Equity (ROE) | 4.3485% | 4,802 |
| Retained earnings to average equity (ytd only) | 4.3485% | 2,884 |
| Net charge-offs to loans | 0.1485% | 1,881 |
| Credit loss provision to net charge-offs | 113.4615% | 2,243 |
| Earnings coverage of net charge-offs (x) | 8.7500% | 2,908 |
| Efficiency ratio | 79.2805% | 1,781 |
| Assets per employee ($millions) | 3.1956% | 5,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3933% | 6,002 |
| Loan loss allowance to noncurrent loans | 21.4850% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 1.5149% | 1,335 |
| Noncurrent loans to loans | 1.8304% | 1,186 |
| Net loans and leases to total assets | 63.4061% | 3,359 |
| Net loans and leases to deposits | 74.2083% | 3,466 |
| Net loans and leases to core deposits | 75.7155% | 3,780 |
| Total domestic deposits to total assets | 85.4434% | 2,886 |
| Equity capital to assets | 14.2050% | 865 |
| Core capital (leverage) ratio | 13.5256% | 959 |
| Tier 1 risk-based capital ratio | 26.5357% | 700 |
| Total risk-based capital ratio | 27.0053% | 737 |
| Memoranda: | ||
| Average total assets | $56,384,800 | 5,396 |
| Average earning assets | $51,096,800 | 5,408 |
| Average equity | $7,611,800 | 5,129 |
| Average total loans | $35,006,200 | 5,191 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2523% | 2,393 |
| Cost of funding earning assets | 0.3746% | 3,495 |
| Net interest margin | 3.8777% | 2,105 |
| Noninterest income to average assets | 0.3140% | 4,699 |
| Noninterest expense to average assets | 3.0041% | 2,514 |
| Loan and lease loss provision to assets | 0.0188% | 3,898 |
| Net operating income to assets | 0.6561% | 4,098 |
| Return on assets (ROA) | 0.6561% | 4,212 |
| Pretax return on assets | 0.8084% | 4,313 |
| Return on Equity (ROE) | 4.9215% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.9215% | 2,968 |
| Net charge-offs to loans | 0.1101% | 2,022 |
| Credit loss provision to net charge-offs | 27.5862% | 3,296 |
| Earnings coverage of net charge-offs (x) | 12.1709% | 2,429 |
| Efficiency ratio | 78.4098% | 1,901 |
| Assets per employee ($millions) | 3.2544% | 5,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3104% | 6,141 |
| Loan loss allowance to noncurrent loans | 18.9807% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 1.4135% | 1,623 |
| Noncurrent loans to loans | 1.6353% | 1,508 |
| Net loans and leases to total assets | 62.6950% | 3,502 |
| Net loans and leases to deposits | 73.0662% | 3,643 |
| Net loans and leases to core deposits | 74.5262% | 3,960 |
| Total domestic deposits to total assets | 85.8057% | 2,637 |
| Equity capital to assets | 13.9268% | 1,054 |
| Core capital (leverage) ratio | 13.3269% | 1,078 |
| Tier 1 risk-based capital ratio | 24.6132% | 888 |
| Total risk-based capital ratio | 24.9613% | 964 |
| Memoranda: | ||
| Average total assets | $56,899,500 | 5,455 |
| Average earning assets | $51,609,750 | 5,469 |
| Average equity | $7,585,500 | 5,199 |
| Average total loans | $35,112,250 | 5,245 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2438% | 2,377 |
| Cost of funding earning assets | 0.3914% | 3,361 |
| Net interest margin | 3.8524% | 2,133 |
| Noninterest income to average assets | 0.3448% | 4,491 |
| Noninterest expense to average assets | 2.9360% | 2,760 |
| Loan and lease loss provision to assets | 0.0279% | 3,569 |
| Net operating income to assets | 0.7035% | 3,876 |
| Return on assets (ROA) | 0.7035% | 3,995 |
| Pretax return on assets | 0.8777% | 4,038 |
| Return on Equity (ROE) | 5.3541% | 4,452 |
| Retained earnings to average equity (ytd only) | 5.3541% | 2,637 |
| Net charge-offs to loans | 0.0454% | 2,789 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 1,293 |
| Efficiency ratio | 76.4279% | 2,291 |
| Assets per employee ($millions) | 3.3890% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3635% | 6,177 |
| Loan loss allowance to noncurrent loans | 20.1248% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 1.4771% | 1,676 |
| Noncurrent loans to loans | 1.8061% | 1,416 |
| Net loans and leases to total assets | 61.3768% | 3,640 |
| Net loans and leases to deposits | 73.7548% | 3,519 |
| Net loans and leases to core deposits | 74.6548% | 3,889 |
| Total domestic deposits to total assets | 83.2173% | 3,866 |
| Equity capital to assets | 13.1828% | 1,310 |
| Core capital (leverage) ratio | 13.1096% | 1,131 |
| Tier 1 risk-based capital ratio | 24.2506% | 932 |
| Total risk-based capital ratio | 24.6646% | 1,010 |
| Memoranda: | ||
| Average total assets | $57,424,330 | 5,505 |
| Average earning assets | $52,123,670 | 5,511 |
| Average equity | $7,545,670 | 5,254 |
| Average total loans | $35,218,330 | 5,285 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 2,133 |
| Cost of funding earning assets | 0.4228% | 3,034 |
| Net interest margin | 3.8669% | 2,008 |
| Noninterest income to average assets | 0.4117% | 3,910 |
| Noninterest expense to average assets | 2.9513% | 2,731 |
| Loan and lease loss provision to assets | 0.0419% | 3,076 |
| Net operating income to assets | 0.7396% | 3,596 |
| Return on assets (ROA) | 0.7396% | 3,724 |
| Pretax return on assets | 0.9280% | 3,785 |
| Return on Equity (ROE) | 5.6375% | 4,209 |
| Retained earnings to average equity (ytd only) | 5.6375% | 2,687 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2669% | 2,615 |
| Assets per employee ($millions) | 3.3938% | 5,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3841% | 6,245 |
| Loan loss allowance to noncurrent loans | 20.5479% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 1.4438% | 1,830 |
| Noncurrent loans to loans | 1.8693% | 1,438 |
| Net loans and leases to total assets | 60.6840% | 3,564 |
| Net loans and leases to deposits | 72.9624% | 3,438 |
| Net loans and leases to core deposits | 73.8582% | 3,794 |
| Total domestic deposits to total assets | 83.1716% | 4,133 |
| Equity capital to assets | 13.1435% | 1,331 |
| Core capital (leverage) ratio | 12.8927% | 1,193 |
| Tier 1 risk-based capital ratio | 25.9822% | 787 |
| Total risk-based capital ratio | 26.4524% | 848 |
| Memoranda: | ||
| Average total assets | $57,330,000 | 5,562 |
| Average earning assets | $52,032,000 | 5,561 |
| Average equity | $7,521,000 | 5,296 |
| Average total loans | $35,082,500 | 5,326 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1964% | 2,968 |
| Cost of funding earning assets | 0.5241% | 2,451 |
| Net interest margin | 3.6723% | 3,118 |
| Noninterest income to average assets | 0.2552% | 5,308 |
| Noninterest expense to average assets | 3.2036% | 2,207 |
| Loan and lease loss provision to assets | 0.0191% | 4,236 |
| Net operating income to assets | 0.3803% | 5,290 |
| Return on assets (ROA) | 0.3803% | 5,361 |
| Pretax return on assets | 0.3664% | 5,570 |
| Return on Equity (ROE) | 3.1279% | 5,431 |
| Retained earnings to average equity (ytd only) | 3.1279% | 4,011 |
| Net charge-offs to loans | 0.0087% | 4,739 |
| Credit loss provision to net charge-offs | 366.6667% | 715 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 678 |
| Efficiency ratio | 89.2598% | 890 |
| Assets per employee ($millions) | 3.3509% | 5,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3712% | 6,339 |
| Loan loss allowance to noncurrent loans | 15.6250% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 1.6290% | 1,657 |
| Noncurrent loans to loans | 2.3759% | 1,089 |
| Net loans and leases to total assets | 61.2453% | 3,604 |
| Net loans and leases to deposits | 73.7439% | 3,468 |
| Net loans and leases to core deposits | 75.1044% | 3,811 |
| Total domestic deposits to total assets | 83.0513% | 4,058 |
| Equity capital to assets | 13.0938% | 1,318 |
| Core capital (leverage) ratio | 12.3711% | 1,408 |
| Tier 1 risk-based capital ratio | 27.3912% | 651 |
| Total risk-based capital ratio | 27.8754% | 696 |
| Memoranda: | ||
| Average total assets | $57,592,000 | 5,610 |
| Average earning assets | $52,282,600 | 5,612 |
| Average equity | $7,001,400 | 5,410 |
| Average total loans | $34,410,800 | 5,382 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1490% | 3,174 |
| Cost of funding earning assets | 0.5418% | 2,358 |
| Net interest margin | 3.6072% | 3,400 |
| Noninterest income to average assets | 0.2724% | 5,265 |
| Noninterest expense to average assets | 3.1377% | 2,356 |
| Loan and lease loss provision to assets | 0.0092% | 4,241 |
| Net operating income to assets | 0.3255% | 5,509 |
| Return on assets (ROA) | 0.3255% | 5,577 |
| Pretax return on assets | 0.3994% | 5,575 |
| Return on Equity (ROE) | 2.7298% | 5,642 |
| Retained earnings to average equity (ytd only) | 2.7298% | 4,647 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4766% | 962 |
| Assets per employee ($millions) | 3.5268% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3616% | 6,431 |
| Loan loss allowance to noncurrent loans | 15.4791% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 1.5695% | 1,948 |
| Noncurrent loans to loans | 2.3360% | 1,277 |
| Net loans and leases to total assets | 57.9101% | 4,081 |
| Net loans and leases to deposits | 71.7000% | 3,712 |
| Net loans and leases to core deposits | 73.0010% | 4,050 |
| Total domestic deposits to total assets | 80.7672% | 4,895 |
| Equity capital to assets | 11.7305% | 2,284 |
| Core capital (leverage) ratio | 11.5380% | 2,035 |
| Tier 1 risk-based capital ratio | 25.8995% | 796 |
| Total risk-based capital ratio | 26.3669% | 859 |
| Memoranda: | ||
| Average total assets | $57,748,500 | 5,668 |
| Average earning assets | $52,413,000 | 5,671 |
| Average equity | $6,887,000 | 5,491 |
| Average total loans | $34,258,750 | 5,442 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2028% | 2,941 |
| Cost of funding earning assets | 0.5756% | 2,113 |
| Net interest margin | 3.6272% | 3,247 |
| Noninterest income to average assets | 0.2806% | 5,183 |
| Noninterest expense to average assets | 3.1993% | 2,195 |
| Loan and lease loss provision to assets | 0.0070% | 4,096 |
| Net operating income to assets | 0.2912% | 5,599 |
| Return on assets (ROA) | 0.2912% | 5,666 |
| Pretax return on assets | 0.3683% | 5,645 |
| Return on Equity (ROE) | 2.4275% | 5,723 |
| Retained earnings to average equity (ytd only) | 2.4275% | 4,666 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4995% | 954 |
| Assets per employee ($millions) | 3.5431% | 4,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3653% | 6,505 |
| Loan loss allowance to noncurrent loans | 15.2898% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 1.4843% | 2,199 |
| Noncurrent loans to loans | 2.3894% | 1,329 |
| Net loans and leases to total assets | 56.1462% | 4,266 |
| Net loans and leases to deposits | 69.3034% | 3,909 |
| Net loans and leases to core deposits | 71.1568% | 4,134 |
| Total domestic deposits to total assets | 81.0151% | 4,975 |
| Equity capital to assets | 11.5586% | 2,367 |
| Core capital (leverage) ratio | 11.4574% | 2,042 |
| Tier 1 risk-based capital ratio | 25.9290% | 783 |
| Total risk-based capital ratio | 26.3949% | 843 |
| Memoranda: | ||
| Average total assets | $57,013,000 | 5,740 |
| Average earning assets | $51,775,000 | 5,739 |
| Average equity | $6,838,330 | 5,529 |
| Average total loans | $34,063,000 | 5,488 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 2,686 |
| Cost of funding earning assets | 0.6210% | 1,803 |
| Net interest margin | 3.6302% | 3,139 |
| Noninterest income to average assets | 0.2744% | 5,181 |
| Noninterest expense to average assets | 3.1695% | 2,328 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3177% | 5,433 |
| Return on assets (ROA) | 0.3177% | 5,482 |
| Pretax return on assets | 0.3971% | 5,461 |
| Return on Equity (ROE) | 2.5972% | 5,591 |
| Retained earnings to average equity (ytd only) | 2.5972% | 4,516 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8664% | 1,145 |
| Assets per employee ($millions) | 3.5546% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3617% | 6,581 |
| Loan loss allowance to noncurrent loans | 19.7092% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 1.2343% | 2,788 |
| Noncurrent loans to loans | 1.8353% | 2,091 |
| Net loans and leases to total assets | 59.0885% | 3,686 |
| Net loans and leases to deposits | 70.5164% | 3,535 |
| Net loans and leases to core deposits | 72.4814% | 3,822 |
| Total domestic deposits to total assets | 83.7940% | 4,346 |
| Equity capital to assets | 11.9985% | 1,867 |
| Core capital (leverage) ratio | 12.0635% | 1,616 |
| Tier 1 risk-based capital ratio | 25.9395% | 795 |
| Total risk-based capital ratio | 26.4008% | 856 |
| Memoranda: | ||
| Average total assets | $55,403,500 | 5,832 |
| Average earning assets | $50,244,500 | 5,832 |
| Average equity | $6,776,500 | 5,570 |
| Average total loans | $34,123,500 | 5,537 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4061% | 2,565 |
| Cost of funding earning assets | 0.7438% | 1,537 |
| Net interest margin | 3.6623% | 3,211 |
| Noninterest income to average assets | 0.3488% | 4,821 |
| Noninterest expense to average assets | 3.2419% | 2,303 |
| Loan and lease loss provision to assets | 0.0661% | 3,807 |
| Net operating income to assets | 0.2662% | 5,635 |
| Return on assets (ROA) | 0.2662% | 5,716 |
| Pretax return on assets | 0.3580% | 5,586 |
| Return on Equity (ROE) | 2.1375% | 5,787 |
| Retained earnings to average equity (ytd only) | 2.1375% | 4,719 |
| Net charge-offs to loans | 0.1048% | 3,781 |
| Credit loss provision to net charge-offs | 97.2973% | 2,553 |
| Earnings coverage of net charge-offs (x) | 6.2432% | 3,101 |
| Efficiency ratio | 88.4326% | 1,172 |
| Assets per employee ($millions) | 3.3708% | 5,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3534% | 6,665 |
| Loan loss allowance to noncurrent loans | 21.8638% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 1.2478% | 2,924 |
| Noncurrent loans to loans | 1.6165% | 2,480 |
| Net loans and leases to total assets | 63.7773% | 3,074 |
| Net loans and leases to deposits | 73.5686% | 3,322 |
| Net loans and leases to core deposits | 75.6543% | 3,653 |
| Total domestic deposits to total assets | 86.6909% | 2,880 |
| Equity capital to assets | 12.4766% | 1,522 |
| Core capital (leverage) ratio | 12.6398% | 1,289 |
| Tier 1 risk-based capital ratio | 25.0404% | 845 |
| Total risk-based capital ratio | 25.4885% | 919 |
| Memoranda: | ||
| Average total assets | $54,474,200 | 5,905 |
| Average earning assets | $49,340,200 | 5,911 |
| Average equity | $6,783,600 | 5,623 |
| Average total loans | $35,321,400 | 5,520 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4282% | 2,499 |
| Cost of funding earning assets | 0.7578% | 1,549 |
| Net interest margin | 3.6704% | 3,147 |
| Noninterest income to average assets | 0.3345% | 5,016 |
| Noninterest expense to average assets | 3.2277% | 2,276 |
| Loan and lease loss provision to assets | 0.0757% | 3,544 |
| Net operating income to assets | 0.2686% | 5,719 |
| Return on assets (ROA) | 0.2686% | 5,826 |
| Pretax return on assets | 0.3540% | 5,737 |
| Return on Equity (ROE) | 2.1576% | 5,890 |
| Retained earnings to average equity (ytd only) | 2.1576% | 5,019 |
| Net charge-offs to loans | 0.1389% | 3,151 |
| Credit loss provision to net charge-offs | 83.7838% | 2,752 |
| Earnings coverage of net charge-offs (x) | 4.7569% | 3,362 |
| Efficiency ratio | 88.2510% | 1,144 |
| Assets per employee ($millions) | 3.4114% | 5,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3373% | 6,755 |
| Loan loss allowance to noncurrent loans | 23.0769% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 1.1396% | 3,375 |
| Noncurrent loans to loans | 1.4618% | 2,974 |
| Net loans and leases to total assets | 63.3286% | 3,107 |
| Net loans and leases to deposits | 72.9117% | 3,418 |
| Net loans and leases to core deposits | 75.4041% | 3,684 |
| Total domestic deposits to total assets | 86.8565% | 2,767 |
| Equity capital to assets | 12.3429% | 1,680 |
| Core capital (leverage) ratio | 12.4235% | 1,456 |
| Tier 1 risk-based capital ratio | 24.4176% | 942 |
| Total risk-based capital ratio | 24.8389% | 1,037 |
| Memoranda: | ||
| Average total assets | $54,609,500 | 5,972 |
| Average earning assets | $49,439,500 | 5,969 |
| Average equity | $6,797,250 | 5,695 |
| Average total loans | $35,522,000 | 5,563 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4389% | 2,423 |
| Cost of funding earning assets | 0.7641% | 1,625 |
| Net interest margin | 3.6749% | 3,063 |
| Noninterest income to average assets | 0.2710% | 5,516 |
| Noninterest expense to average assets | 3.1967% | 2,363 |
| Loan and lease loss provision to assets | 0.0110% | 4,655 |
| Net operating income to assets | 0.3039% | 5,591 |
| Return on assets (ROA) | 0.3039% | 5,742 |
| Pretax return on assets | 0.3918% | 5,656 |
| Return on Equity (ROE) | 2.4350% | 5,821 |
| Retained earnings to average equity (ytd only) | 2.4350% | 4,751 |
| Net charge-offs to loans | 0.2011% | 2,554 |
| Credit loss provision to net charge-offs | 8.3333% | 3,922 |
| Earnings coverage of net charge-offs (x) | 3.0556% | 3,509 |
| Efficiency ratio | 88.8098% | 1,149 |
| Assets per employee ($millions) | 3.4523% | 4,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2468% | 6,822 |
| Loan loss allowance to noncurrent loans | 25.3561% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 0.8436% | 4,129 |
| Noncurrent loans to loans | 0.9732% | 3,991 |
| Net loans and leases to total assets | 65.1339% | 2,742 |
| Net loans and leases to deposits | 74.7828% | 3,041 |
| Net loans and leases to core deposits | 77.2906% | 3,386 |
| Total domestic deposits to total assets | 87.0974% | 2,758 |
| Equity capital to assets | 12.2871% | 1,717 |
| Core capital (leverage) ratio | 12.3595% | 1,429 |
| Tier 1 risk-based capital ratio | 23.8665% | 1,010 |
| Total risk-based capital ratio | 24.1776% | 1,132 |
| Memoranda: | ||
| Average total assets | $54,618,670 | 6,007 |
| Average earning assets | $49,471,330 | 6,012 |
| Average equity | $6,817,330 | 5,731 |
| Average total loans | $35,801,670 | 5,582 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4535% | 2,336 |
| Cost of funding earning assets | 0.7735% | 1,689 |
| Net interest margin | 3.6801% | 2,950 |
| Noninterest income to average assets | 0.2872% | 5,402 |
| Noninterest expense to average assets | 3.2333% | 2,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2946% | 5,587 |
| Return on assets (ROA) | 0.2946% | 5,709 |
| Pretax return on assets | 0.3830% | 5,619 |
| Return on Equity (ROE) | 2.3417% | 5,834 |
| Retained earnings to average equity (ytd only) | 2.3417% | 4,855 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4094% | 1,199 |
| Assets per employee ($millions) | 3.4069% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3412% | 6,879 |
| Loan loss allowance to noncurrent loans | 32.8841% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 0.7888% | 4,402 |
| Noncurrent loans to loans | 1.0375% | 4,064 |
| Net loans and leases to total assets | 65.3758% | 2,484 |
| Net loans and leases to deposits | 75.3059% | 2,731 |
| Net loans and leases to core deposits | 77.8917% | 3,079 |
| Total domestic deposits to total assets | 86.8137% | 3,071 |
| Equity capital to assets | 12.5626% | 1,674 |
| Core capital (leverage) ratio | 12.4452% | 1,358 |
| Tier 1 risk-based capital ratio | 23.9785% | 1,016 |
| Total risk-based capital ratio | 24.4097% | 1,113 |
| Memoranda: | ||
| Average total assets | $54,309,500 | 6,066 |
| Average earning assets | $49,129,500 | 6,070 |
| Average equity | $6,832,500 | 5,785 |
| Average total loans | $35,669,000 | 5,633 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6030% | 2,988 |
| Cost of funding earning assets | 0.8562% | 2,255 |
| Net interest margin | 3.7468% | 3,455 |
| Noninterest income to average assets | 0.2987% | 5,325 |
| Noninterest expense to average assets | 3.2357% | 2,503 |
| Loan and lease loss provision to assets | 0.0074% | 5,828 |
| Net operating income to assets | 0.3190% | 5,399 |
| Return on assets (ROA) | 0.3190% | 5,610 |
| Pretax return on assets | 0.4443% | 5,445 |
| Return on Equity (ROE) | 2.5561% | 5,730 |
| Retained earnings to average equity (ytd only) | 2.5561% | 4,429 |
| Net charge-offs to loans | 0.0678% | 5,000 |
| Credit loss provision to net charge-offs | 16.6667% | 5,318 |
| Earnings coverage of net charge-offs (x) | 10.2083% | 2,162 |
| Efficiency ratio | 87.7500% | 1,261 |
| Assets per employee ($millions) | 3.3818% | 5,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3429% | 6,926 |
| Loan loss allowance to noncurrent loans | 32.7078% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 0.7984% | 4,472 |
| Noncurrent loans to loans | 1.0484% | 4,112 |
| Net loans and leases to total assets | 65.5301% | 2,603 |
| Net loans and leases to deposits | 75.6400% | 2,864 |
| Net loans and leases to core deposits | 78.3217% | 3,215 |
| Total domestic deposits to total assets | 86.6341% | 3,030 |
| Equity capital to assets | 12.5989% | 1,639 |
| Core capital (leverage) ratio | 12.4640% | 1,336 |
| Tier 1 risk-based capital ratio | 23.8397% | 989 |
| Total risk-based capital ratio | 24.2709% | 1,093 |
| Memoranda: | ||
| Average total assets | $54,238,800 | 6,075 |
| Average earning assets | $49,055,000 | 6,085 |
| Average equity | $6,768,200 | 5,824 |
| Average total loans | $35,411,200 | 5,704 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6373% | 3,069 |
| Cost of funding earning assets | 0.8671% | 2,413 |
| Net interest margin | 3.7702% | 3,467 |
| Noninterest income to average assets | 0.2752% | 5,580 |
| Noninterest expense to average assets | 3.2158% | 2,512 |
| Loan and lease loss provision to assets | 0.0098% | 5,686 |
| Net operating income to assets | 0.3611% | 5,400 |
| Return on assets (ROA) | 0.3611% | 5,603 |
| Pretax return on assets | 0.4570% | 5,576 |
| Return on Equity (ROE) | 2.9011% | 5,708 |
| Retained earnings to average equity (ytd only) | 2.9011% | 4,814 |
| Net charge-offs to loans | 0.0792% | 4,605 |
| Credit loss provision to net charge-offs | 19.0476% | 4,969 |
| Earnings coverage of net charge-offs (x) | 9.0475% | 2,371 |
| Efficiency ratio | 87.3249% | 1,268 |
| Assets per employee ($millions) | 3.3981% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3565% | 7,040 |
| Loan loss allowance to noncurrent loans | 26.3713% | 6,291 |
| Noncurrent assets plus other real estate owned to assets | 0.9803% | 4,326 |
| Noncurrent loans to loans | 1.3519% | 3,765 |
| Net loans and leases to total assets | 64.2579% | 2,987 |
| Net loans and leases to deposits | 74.0771% | 3,270 |
| Net loans and leases to core deposits | 76.7256% | 3,639 |
| Total domestic deposits to total assets | 86.7445% | 2,828 |
| Equity capital to assets | 12.5253% | 1,874 |
| Core capital (leverage) ratio | 12.3561% | 1,467 |
| Tier 1 risk-based capital ratio | 24.2606% | 987 |
| Total risk-based capital ratio | 24.7120% | 1,078 |
| Memoranda: | ||
| Average total assets | $54,271,500 | 6,143 |
| Average earning assets | $49,050,500 | 6,161 |
| Average equity | $6,756,000 | 5,889 |
| Average total loans | $35,369,250 | 5,778 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6962% | 2,930 |
| Cost of funding earning assets | 0.8780% | 2,579 |
| Net interest margin | 3.8182% | 3,278 |
| Noninterest income to average assets | 0.2802% | 5,568 |
| Noninterest expense to average assets | 3.2412% | 2,461 |
| Loan and lease loss provision to assets | 0.0147% | 5,476 |
| Net operating income to assets | 0.3761% | 5,323 |
| Return on assets (ROA) | 0.3761% | 5,548 |
| Pretax return on assets | 0.4720% | 5,512 |
| Return on Equity (ROE) | 3.0276% | 5,684 |
| Retained earnings to average equity (ytd only) | 3.0276% | 4,623 |
| Net charge-offs to loans | 0.0677% | 4,481 |
| Credit loss provision to net charge-offs | 33.3333% | 4,386 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,002 |
| Efficiency ratio | 86.9436% | 1,345 |
| Assets per employee ($millions) | 3.4185% | 5,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3777% | 7,090 |
| Loan loss allowance to noncurrent loans | 26.2745% | 6,312 |
| Noncurrent assets plus other real estate owned to assets | 1.0586% | 4,264 |
| Noncurrent loans to loans | 1.4377% | 3,762 |
| Net loans and leases to total assets | 64.6117% | 2,905 |
| Net loans and leases to deposits | 74.3015% | 3,241 |
| Net loans and leases to core deposits | 76.9314% | 3,665 |
| Total domestic deposits to total assets | 86.9588% | 2,791 |
| Equity capital to assets | 12.4232% | 1,866 |
| Core capital (leverage) ratio | 12.2312% | 1,482 |
| Tier 1 risk-based capital ratio | 23.8511% | 1,032 |
| Total risk-based capital ratio | 24.3289% | 1,104 |
| Memoranda: | ||
| Average total assets | $54,238,670 | 6,183 |
| Average earning assets | $48,976,000 | 6,198 |
| Average equity | $6,738,000 | 5,918 |
| Average total loans | $35,471,670 | 5,813 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6627% | 3,199 |
| Cost of funding earning assets | 0.8866% | 2,787 |
| Net interest margin | 3.7761% | 3,492 |
| Noninterest income to average assets | 0.2962% | 5,499 |
| Noninterest expense to average assets | 3.2735% | 2,375 |
| Loan and lease loss provision to assets | 0.0222% | 5,056 |
| Net operating income to assets | 0.3333% | 5,540 |
| Return on assets (ROA) | 0.3333% | 5,713 |
| Pretax return on assets | 0.4073% | 5,703 |
| Return on Equity (ROE) | 2.6828% | 5,835 |
| Retained earnings to average equity (ytd only) | 2.6828% | 4,917 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4000% | 1,231 |
| Assets per employee ($millions) | 3.4068% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4103% | 7,128 |
| Loan loss allowance to noncurrent loans | 51.9713% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 0.8678% | 4,785 |
| Noncurrent loans to loans | 0.7895% | 5,092 |
| Net loans and leases to total assets | 64.5685% | 2,747 |
| Net loans and leases to deposits | 74.1556% | 3,102 |
| Net loans and leases to core deposits | 76.3830% | 3,573 |
| Total domestic deposits to total assets | 87.0716% | 2,921 |
| Equity capital to assets | 12.3450% | 1,821 |
| Core capital (leverage) ratio | 12.1871% | 1,483 |
| Tier 1 risk-based capital ratio | 23.5493% | 1,061 |
| Total risk-based capital ratio | 24.0642% | 1,140 |
| Memoranda: | ||
| Average total assets | $54,010,000 | 6,232 |
| Average earning assets | $48,727,000 | 6,248 |
| Average equity | $6,709,500 | 5,960 |
| Average total loans | $35,470,500 | 5,847 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9529% | 3,095 |
| Cost of funding earning assets | 1.0314% | 3,154 |
| Net interest margin | 3.9215% | 3,250 |
| Noninterest income to average assets | 0.3499% | 5,007 |
| Noninterest expense to average assets | 3.3167% | 2,474 |
| Loan and lease loss provision to assets | 0.0226% | 6,296 |
| Net operating income to assets | 0.4383% | 4,694 |
| Return on assets (ROA) | 0.4383% | 4,904 |
| Pretax return on assets | 0.5512% | 4,831 |
| Return on Equity (ROE) | 3.5525% | 5,048 |
| Retained earnings to average equity (ytd only) | 3.5525% | 3,702 |
| Net charge-offs to loans | 0.0451% | 5,853 |
| Credit loss provision to net charge-offs | 75.0000% | 4,670 |
| Earnings coverage of net charge-offs (x) | 19.0625% | 1,185 |
| Efficiency ratio | 85.2515% | 1,650 |
| Assets per employee ($millions) | 3.3445% | 5,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3989% | 7,171 |
| Loan loss allowance to noncurrent loans | 45.3674% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 0.9475% | 4,713 |
| Noncurrent loans to loans | 0.8792% | 4,932 |
| Net loans and leases to total assets | 66.2636% | 2,737 |
| Net loans and leases to deposits | 76.3183% | 3,126 |
| Net loans and leases to core deposits | 77.3184% | 3,777 |
| Total domestic deposits to total assets | 86.8254% | 2,859 |
| Equity capital to assets | 12.5019% | 1,799 |
| Core capital (leverage) ratio | 12.3440% | 1,417 |
| Tier 1 risk-based capital ratio | 23.4854% | 1,033 |
| Total risk-based capital ratio | 23.9917% | 1,110 |
| Memoranda: | ||
| Average total assets | $53,155,400 | 6,258 |
| Average earning assets | $47,992,000 | 6,260 |
| Average equity | $6,558,800 | 5,995 |
| Average total loans | $35,506,600 | 5,892 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9504% | 3,326 |
| Cost of funding earning assets | 1.0519% | 3,306 |
| Net interest margin | 3.8986% | 3,386 |
| Noninterest income to average assets | 0.3266% | 5,251 |
| Noninterest expense to average assets | 3.2989% | 2,495 |
| Loan and lease loss provision to assets | 0.0226% | 6,162 |
| Net operating income to assets | 0.4221% | 4,898 |
| Return on assets (ROA) | 0.4221% | 5,087 |
| Pretax return on assets | 0.5251% | 5,059 |
| Return on Equity (ROE) | 3.4323% | 5,252 |
| Retained earnings to average equity (ytd only) | 3.4323% | 4,290 |
| Net charge-offs to loans | 0.0225% | 5,834 |
| Credit loss provision to net charge-offs | 150.0000% | 2,084 |
| Earnings coverage of net charge-offs (x) | 36.3325% | 823 |
| Efficiency ratio | 85.7609% | 1,560 |
| Assets per employee ($millions) | 3.3471% | 5,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4165% | 7,218 |
| Loan loss allowance to noncurrent loans | 27.8505% | 6,364 |
| Noncurrent assets plus other real estate owned to assets | 1.1278% | 4,524 |
| Noncurrent loans to loans | 1.4954% | 4,053 |
| Net loans and leases to total assets | 66.5272% | 2,774 |
| Net loans and leases to deposits | 76.4156% | 3,262 |
| Net loans and leases to core deposits | 76.8590% | 4,077 |
| Total domestic deposits to total assets | 87.0598% | 2,614 |
| Equity capital to assets | 12.3744% | 1,984 |
| Core capital (leverage) ratio | 12.2285% | 1,576 |
| Tier 1 risk-based capital ratio | 22.8101% | 1,172 |
| Total risk-based capital ratio | 23.3305% | 1,248 |
| Memoranda: | ||
| Average total assets | $53,066,250 | 6,308 |
| Average earning assets | $47,913,750 | 6,314 |
| Average equity | $6,526,000 | 6,048 |
| Average total loans | $35,483,000 | 5,948 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0301% | 3,012 |
| Cost of funding earning assets | 1.0722% | 3,452 |
| Net interest margin | 3.9579% | 3,048 |
| Noninterest income to average assets | 0.3213% | 5,325 |
| Noninterest expense to average assets | 3.3419% | 2,423 |
| Loan and lease loss provision to assets | 0.0227% | 6,009 |
| Net operating income to assets | 0.4234% | 4,842 |
| Return on assets (ROA) | 0.4234% | 4,990 |
| Pretax return on assets | 0.5293% | 4,971 |
| Return on Equity (ROE) | 3.4502% | 5,191 |
| Retained earnings to average equity (ytd only) | 3.4502% | 4,061 |
| Net charge-offs to loans | 0.0170% | 5,603 |
| Credit loss provision to net charge-offs | 200.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 48.6667% | 637 |
| Efficiency ratio | 85.8252% | 1,620 |
| Assets per employee ($millions) | 3.7971% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4206% | 7,282 |
| Loan loss allowance to noncurrent loans | 27.6952% | 6,397 |
| Noncurrent assets plus other real estate owned to assets | 1.1419% | 4,605 |
| Noncurrent loans to loans | 1.5187% | 4,146 |
| Net loans and leases to total assets | 66.3613% | 2,956 |
| Net loans and leases to deposits | 76.2054% | 3,427 |
| Net loans and leases to core deposits | 76.6508% | 4,234 |
| Total domestic deposits to total assets | 87.0821% | 2,698 |
| Equity capital to assets | 12.3460% | 1,874 |
| Core capital (leverage) ratio | 12.2112% | 1,497 |
| Tier 1 risk-based capital ratio | 22.8097% | 1,148 |
| Total risk-based capital ratio | 23.3346% | 1,213 |
| Memoranda: | ||
| Average total assets | $52,903,670 | 6,371 |
| Average earning assets | $47,752,330 | 6,372 |
| Average equity | $6,492,330 | 6,085 |
| Average total loans | $35,385,000 | 6,000 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0552% | 2,827 |
| Cost of funding earning assets | 1.0917% | 3,578 |
| Net interest margin | 3.9636% | 2,854 |
| Noninterest income to average assets | 0.3259% | 5,304 |
| Noninterest expense to average assets | 3.3273% | 2,474 |
| Loan and lease loss provision to assets | 0.0227% | 5,674 |
| Net operating income to assets | 0.4472% | 4,732 |
| Return on assets (ROA) | 0.4472% | 4,816 |
| Pretax return on assets | 0.5533% | 4,855 |
| Return on Equity (ROE) | 3.6549% | 5,068 |
| Retained earnings to average equity (ytd only) | 3.6549% | 3,982 |
| Net charge-offs to loans | 0.0339% | 4,623 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 25.3333% | 967 |
| Efficiency ratio | 85.2427% | 1,806 |
| Assets per employee ($millions) | 3.7500% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4120% | 7,342 |
| Loan loss allowance to noncurrent loans | 37.9221% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 0.8648% | 5,172 |
| Noncurrent loans to loans | 1.0863% | 4,882 |
| Net loans and leases to total assets | 67.2267% | 2,707 |
| Net loans and leases to deposits | 77.1504% | 3,228 |
| Net loans and leases to core deposits | 78.4712% | 3,956 |
| Total domestic deposits to total assets | 87.1371% | 2,866 |
| Equity capital to assets | 12.3543% | 1,708 |
| Core capital (leverage) ratio | 12.2533% | 1,431 |
| Tier 1 risk-based capital ratio | 22.8197% | 1,109 |
| Total risk-based capital ratio | 23.3385% | 1,190 |
| Memoranda: | ||
| Average total assets | $52,776,000 | 6,424 |
| Average earning assets | $47,634,000 | 6,428 |
| Average equity | $6,457,000 | 6,107 |
| Average total loans | $35,364,500 | 6,059 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2982% | 3,138 |
| Cost of funding earning assets | 1.2624% | 4,127 |
| Net interest margin | 4.0358% | 2,859 |
| Noninterest income to average assets | 0.4882% | 4,262 |
| Noninterest expense to average assets | 3.4365% | 2,338 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5308% | 3,962 |
| Return on assets (ROA) | 0.5308% | 4,119 |
| Pretax return on assets | 0.6993% | 3,980 |
| Return on Equity (ROE) | 3.2960% | 4,822 |
| Retained earnings to average equity (ytd only) | -27.0179% | 7,164 |
| Net charge-offs to loans | 0.0232% | 6,581 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 45.1250% | 513 |
| Efficiency ratio | 83.0913% | 2,043 |
| Assets per employee ($millions) | 3.7894% | 4,285 |
| Cash dividends to net income (ytd only)* | 919.7080% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4137% | 7,416 |
| Loan loss allowance to noncurrent loans | 33.6406% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 1.2252% | 4,567 |
| Noncurrent loans to loans | 1.2298% | 4,671 |
| Net loans and leases to total assets | 66.2426% | 3,415 |
| Net loans and leases to deposits | 75.8848% | 3,860 |
| Net loans and leases to core deposits | 77.5938% | 4,512 |
| Total domestic deposits to total assets | 87.2936% | 2,673 |
| Equity capital to assets | 12.1164% | 1,847 |
| Core capital (leverage) ratio | 12.0163% | 1,541 |
| Tier 1 risk-based capital ratio | 22.4785% | 1,108 |
| Total risk-based capital ratio | 22.9943% | 1,186 |
| Memoranda: | ||
| Average total assets | $51,621,800 | 6,477 |
| Average earning assets | $46,657,200 | 6,493 |
| Average equity | $8,313,000 | 5,614 |
| Average total loans | $34,454,400 | 6,186 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3754% | 2,993 |
| Cost of funding earning assets | 1.2949% | 4,246 |
| Net interest margin | 4.0805% | 2,705 |
| Noninterest income to average assets | 0.3563% | 5,315 |
| Noninterest expense to average assets | 3.3889% | 2,331 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5046% | 4,294 |
| Return on assets (ROA) | 0.5046% | 4,485 |
| Pretax return on assets | 0.6554% | 4,406 |
| Return on Equity (ROE) | 2.9446% | 5,245 |
| Retained earnings to average equity (ytd only) | 1.4268% | 5,230 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7942% | 1,857 |
| Assets per employee ($millions) | 3.6770% | 4,553 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4435% | 7,499 |
| Loan loss allowance to noncurrent loans | 32.4211% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 0.9227% | 5,261 |
| Noncurrent loans to loans | 1.3678% | 4,570 |
| Net loans and leases to total assets | 67.1607% | 3,421 |
| Net loans and leases to deposits | 81.6904% | 3,157 |
| Net loans and leases to core deposits | 82.2129% | 4,219 |
| Total domestic deposits to total assets | 82.2138% | 4,907 |
| Equity capital to assets | 17.2132% | 498 |
| Core capital (leverage) ratio | 17.0967% | 425 |
| Tier 1 risk-based capital ratio | 31.6317% | 449 |
| Total risk-based capital ratio | 32.1865% | 470 |
| Memoranda: | ||
| Average total assets | $51,264,250 | 6,564 |
| Average earning assets | $46,333,250 | 6,582 |
| Average equity | $8,784,250 | 5,558 |
| Average total loans | $34,245,750 | 6,281 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3792% | 3,066 |
| Cost of funding earning assets | 1.3319% | 4,318 |
| Net interest margin | 4.0473% | 2,804 |
| Noninterest income to average assets | 0.3516% | 5,336 |
| Noninterest expense to average assets | 3.3872% | 2,297 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4883% | 4,384 |
| Return on assets (ROA) | 0.4883% | 4,538 |
| Pretax return on assets | 0.6329% | 4,465 |
| Return on Equity (ROE) | 2.8543% | 5,307 |
| Retained earnings to average equity (ytd only) | 0.5709% | 5,536 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2566% | 1,894 |
| Assets per employee ($millions) | 3.7329% | 4,381 |
| Cash dividends to net income (ytd only)* | 80.0000% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4499% | 7,559 |
| Loan loss allowance to noncurrent loans | 33.9207% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 0.8687% | 5,385 |
| Noncurrent loans to loans | 1.3264% | 4,735 |
| Net loans and leases to total assets | 65.2016% | 4,004 |
| Net loans and leases to deposits | 78.8883% | 3,819 |
| Net loans and leases to core deposits | 80.3201% | 4,654 |
| Total domestic deposits to total assets | 82.6505% | 4,717 |
| Equity capital to assets | 16.8386% | 555 |
| Core capital (leverage) ratio | 16.7114% | 472 |
| Tier 1 risk-based capital ratio | 31.8664% | 431 |
| Total risk-based capital ratio | 32.4298% | 444 |
| Memoranda: | ||
| Average total assets | $51,193,000 | 6,607 |
| Average earning assets | $46,401,000 | 6,618 |
| Average equity | $8,758,670 | 5,573 |
| Average total loans | $34,085,330 | 6,328 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5074% | 2,547 |
| Cost of funding earning assets | 1.4117% | 4,103 |
| Net interest margin | 4.0957% | 2,458 |
| Noninterest income to average assets | 0.3395% | 5,427 |
| Noninterest expense to average assets | 3.4979% | 1,987 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4343% | 4,693 |
| Return on assets (ROA) | 0.4343% | 4,824 |
| Pretax return on assets | 0.5527% | 4,778 |
| Return on Equity (ROE) | 2.5177% | 5,551 |
| Retained earnings to average equity (ytd only) | 2.5177% | 4,621 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3548% | 1,759 |
| Assets per employee ($millions) | 3.6069% | 4,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4505% | 7,642 |
| Loan loss allowance to noncurrent loans | 36.3208% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 0.8397% | 5,475 |
| Noncurrent loans to loans | 1.2403% | 4,898 |
| Net loans and leases to total assets | 67.3921% | 3,531 |
| Net loans and leases to deposits | 82.0617% | 3,271 |
| Net loans and leases to core deposits | 82.5975% | 4,408 |
| Total domestic deposits to total assets | 82.1237% | 5,026 |
| Equity capital to assets | 17.3911% | 486 |
| Core capital (leverage) ratio | 17.3309% | 425 |
| Tier 1 risk-based capital ratio | 33.0485% | 408 |
| Total risk-based capital ratio | 33.6308% | 421 |
| Memoranda: | ||
| Average total assets | $50,659,000 | 6,711 |
| Average earning assets | $45,901,500 | 6,714 |
| Average equity | $8,738,000 | 5,612 |
| Average total loans | $34,013,500 | 6,418 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5665% | 3,774 |
| Cost of funding earning assets | 1.8489% | 3,739 |
| Net interest margin | 3.7175% | 4,055 |
| Noninterest income to average assets | 0.3441% | 5,630 |
| Noninterest expense to average assets | 3.2630% | 3,147 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3626% | 4,280 |
| Return on assets (ROA) | 0.3659% | 4,365 |
| Pretax return on assets | 0.4529% | 4,341 |
| Return on Equity (ROE) | 1.9956% | 4,907 |
| Retained earnings to average equity (ytd only) | -6.4183% | 6,185 |
| Net charge-offs to loans | 0.0089% | 7,107 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 75.6667% | 359 |
| Efficiency ratio | 87.9062% | 1,891 |
| Assets per employee ($millions) | 3.6301% | 4,698 |
| Cash dividends to net income (ytd only)* | 421.6216% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4551% | 7,709 |
| Loan loss allowance to noncurrent loans | 28.7313% | 6,559 |
| Noncurrent assets plus other real estate owned to assets | 1.0547% | 4,989 |
| Noncurrent loans to loans | 1.5838% | 4,279 |
| Net loans and leases to total assets | 66.2876% | 4,082 |
| Net loans and leases to deposits | 80.4029% | 3,913 |
| Net loans and leases to core deposits | 94.3827% | 4,639 |
| Total domestic deposits to total assets | 82.4443% | 4,762 |
| Equity capital to assets | 17.1071% | 545 |
| Core capital (leverage) ratio | 17.0954% | 482 |
| Tier 1 risk-based capital ratio | 32.1716% | 440 |
| Total risk-based capital ratio | 32.7420% | 454 |
| Memoranda: | ||
| Average total assets | $50,566,800 | 6,684 |
| Average earning assets | $45,810,000 | 6,688 |
| Average equity | $9,270,400 | 5,525 |
| Average total loans | $33,612,800 | 6,421 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6079% | 3,820 |
| Cost of funding earning assets | 1.9043% | 3,865 |
| Net interest margin | 3.7036% | 4,050 |
| Noninterest income to average assets | 0.3327% | 5,829 |
| Noninterest expense to average assets | 3.2472% | 3,137 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3548% | 4,574 |
| Return on assets (ROA) | 0.3590% | 4,658 |
| Pretax return on assets | 0.4435% | 4,682 |
| Return on Equity (ROE) | 1.9261% | 5,192 |
| Retained earnings to average equity (ytd only) | 1.9261% | 4,251 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1089% | 1,865 |
| Assets per employee ($millions) | 3.9048% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4670% | 7,751 |
| Loan loss allowance to noncurrent loans | 27.2569% | 6,646 |
| Noncurrent assets plus other real estate owned to assets | 1.1347% | 4,804 |
| Noncurrent loans to loans | 1.7133% | 4,071 |
| Net loans and leases to total assets | 65.9214% | 4,452 |
| Net loans and leases to deposits | 81.5634% | 4,105 |
| Net loans and leases to core deposits | 96.0146% | 4,810 |
| Total domestic deposits to total assets | 80.8223% | 5,148 |
| Equity capital to assets | 18.7089% | 444 |
| Core capital (leverage) ratio | 18.6480% | 403 |
| Tier 1 risk-based capital ratio | 34.8291% | 387 |
| Total risk-based capital ratio | 35.4075% | 396 |
| Memoranda: | ||
| Average total assets | $50,503,250 | 6,736 |
| Average earning assets | $45,719,750 | 6,748 |
| Average equity | $9,414,500 | 5,517 |
| Average total loans | $33,555,500 | 6,475 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6740% | 3,693 |
| Cost of funding earning assets | 1.9556% | 3,978 |
| Net interest margin | 3.7183% | 3,879 |
| Noninterest income to average assets | 0.3293% | 5,877 |
| Noninterest expense to average assets | 3.2251% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3901% | 4,555 |
| Return on assets (ROA) | 0.3967% | 4,634 |
| Pretax return on assets | 0.4760% | 4,697 |
| Return on Equity (ROE) | 2.1306% | 5,245 |
| Retained earnings to average equity (ytd only) | 2.1306% | 4,159 |
| Net charge-offs to loans | 0.0119% | 6,390 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 605 |
| Efficiency ratio | 87.3255% | 2,093 |
| Assets per employee ($millions) | 3.9177% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4590% | 7,834 |
| Loan loss allowance to noncurrent loans | 33.1197% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 0.9189% | 5,135 |
| Noncurrent loans to loans | 1.3859% | 4,444 |
| Net loans and leases to total assets | 66.0004% | 4,561 |
| Net loans and leases to deposits | 81.4589% | 4,307 |
| Net loans and leases to core deposits | 95.2481% | 4,982 |
| Total domestic deposits to total assets | 81.0230% | 5,073 |
| Equity capital to assets | 18.5333% | 499 |
| Core capital (leverage) ratio | 18.5033% | 456 |
| Tier 1 risk-based capital ratio | 34.3159% | 436 |
| Total risk-based capital ratio | 34.8807% | 446 |
| Memoranda: | ||
| Average total assets | $50,417,000 | 6,806 |
| Average earning assets | $45,611,670 | 6,812 |
| Average equity | $9,387,000 | 5,550 |
| Average total loans | $33,534,000 | 6,534 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6436% | 4,090 |
| Cost of funding earning assets | 2.0282% | 3,998 |
| Net interest margin | 3.6154% | 4,255 |
| Noninterest income to average assets | 0.3349% | 5,776 |
| Noninterest expense to average assets | 3.1818% | 3,068 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3600% | 5,021 |
| Return on assets (ROA) | 0.3668% | 5,168 |
| Pretax return on assets | 0.4306% | 5,310 |
| Return on Equity (ROE) | 1.9656% | 5,785 |
| Retained earnings to average equity (ytd only) | 1.9656% | 4,762 |
| Net charge-offs to loans | 0.0239% | 5,215 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,178 |
| Efficiency ratio | 88.2743% | 1,870 |
| Assets per employee ($millions) | 3.9104% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4599% | 7,878 |
| Loan loss allowance to noncurrent loans | 48.4375% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 0.6295% | 5,603 |
| Noncurrent loans to loans | 0.9496% | 5,100 |
| Net loans and leases to total assets | 65.9880% | 4,586 |
| Net loans and leases to deposits | 81.3646% | 4,397 |
| Net loans and leases to core deposits | 94.7786% | 5,082 |
| Total domestic deposits to total assets | 81.1016% | 4,926 |
| Equity capital to assets | 18.4676% | 546 |
| Core capital (leverage) ratio | 18.4342% | 507 |
| Tier 1 risk-based capital ratio | 34.7936% | 443 |
| Total risk-based capital ratio | 35.3695% | 457 |
| Memoranda: | ||
| Average total assets | $50,160,500 | 6,857 |
| Average earning assets | $45,361,500 | 6,867 |
| Average equity | $9,361,000 | 5,577 |
| Average total loans | $33,416,500 | 6,570 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0358% | 5,389 |
| Cost of funding earning assets | 2.5715% | 3,841 |
| Net interest margin | 3.4643% | 5,421 |
| Noninterest income to average assets | 0.1613% | 7,269 |
| Noninterest expense to average assets | 3.0716% | 3,817 |
| Loan and lease loss provision to assets | 0.0645% | 6,586 |
| Net operating income to assets | 0.1072% | 6,093 |
| Return on assets (ROA) | 1.0850% | 2,124 |
| Pretax return on assets | 1.6013% | 1,379 |
| Return on Equity (ROE) | 5.7892% | 4,034 |
| Retained earnings to average equity (ytd only) | 5.7892% | 1,624 |
| Net charge-offs to loans | 0.0125% | 6,744 |
| Credit loss provision to net charge-offs | 800.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 28.2500% | 1,219 |
| Efficiency ratio | 93.0929% | 1,319 |
| Assets per employee ($millions) | 3.8066% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4738% | 7,883 |
| Loan loss allowance to noncurrent loans | 58.8015% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 5,555 |
| Noncurrent loans to loans | 0.8058% | 5,031 |
| Net loans and leases to total assets | 66.6370% | 4,721 |
| Net loans and leases to deposits | 82.5494% | 4,643 |
| Net loans and leases to core deposits | 95.9553% | 5,262 |
| Total domestic deposits to total assets | 80.7238% | 4,760 |
| Equity capital to assets | 18.8619% | 561 |
| Core capital (leverage) ratio | 18.8387% | 527 |
| Tier 1 risk-based capital ratio | 34.9237% | 446 |
| Total risk-based capital ratio | 35.5122% | 463 |
| Memoranda: | ||
| Average total assets | $49,583,600 | 6,794 |
| Average earning assets | $44,915,400 | 6,817 |
| Average equity | $9,293,200 | 5,637 |
| Average total loans | $32,004,800 | 6,606 |