Home > The Lake Bank > Performance and Condition Ratios
The Lake Bank, Performance and Condition Ratios
| 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 | 4.4710% | 813 |
| Cost of funding earning assets | 0.0393% | 4,898 |
| Net interest margin | 4.4317% | 403 |
| Noninterest income to average assets | 0.6019% | 2,200 |
| Noninterest expense to average assets | 2.1512% | 3,269 |
| Loan and lease loss provision to assets | 0.3429% | 244 |
| Net operating income to assets | 1.7169% | 909 |
| Return on assets (ROA) | 1.7169% | 958 |
| Pretax return on assets | 2.4077% | 514 |
| Return on Equity (ROE) | 19.7293% | 553 |
| Retained earnings to average equity (ytd only) | 19.7293% | 281 |
| Net charge-offs to loans | -0.0144% | 3,840 |
| Credit loss provision to net charge-offs | -3,375.0000% | 3,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2953% | 4,697 |
| Assets per employee ($millions) | 6.4883% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3106% | 4,871 |
| Loan loss allowance to noncurrent loans | 470.2703% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 4,048 |
| Noncurrent loans to loans | 0.0660% | 3,959 |
| Net loans and leases to total assets | 68.8620% | 1,423 |
| Net loans and leases to deposits | 75.5295% | 1,963 |
| Net loans and leases to core deposits | 90.1860% | 1,221 |
| Total domestic deposits to total assets | 91.1724% | 339 |
| Equity capital to assets | 8.5810% | 4,059 |
| Core capital (leverage) ratio | 8.1094% | 4,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7577% | 1,982 |
| Memoranda: | ||
| Average total assets | $157,494,500 | 3,462 |
| Average earning assets | $152,807,000 | 3,389 |
| Average equity | $13,705,500 | 3,822 |
| Average total loans | $111,493,500 | 3,107 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3675% | 4,956 |
| Cost of funding earning assets | 0.0272% | 4,966 |
| Net interest margin | 1.3403% | 4,929 |
| Noninterest income to average assets | 0.2167% | 4,197 |
| Noninterest expense to average assets | 0.8488% | 4,952 |
| Loan and lease loss provision to assets | 0.1424% | 2,577 |
| Net operating income to assets | 0.3785% | 4,287 |
| Return on assets (ROA) | 0.3785% | 4,369 |
| Pretax return on assets | 0.5279% | 4,220 |
| Return on Equity (ROE) | 3.9012% | 4,183 |
| Retained earnings to average equity (ytd only) | 3.9012% | 2,874 |
| Net charge-offs to loans | -0.0037% | 4,067 |
| Credit loss provision to net charge-offs | -5,125.0000% | 4,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8121% | 4,325 |
| Assets per employee ($millions) | 5.8762% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1884% | 4,931 |
| Loan loss allowance to noncurrent loans | 42.3935% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 2,704 |
| Noncurrent loans to loans | 0.4444% | 2,644 |
| Net loans and leases to total assets | 72.4765% | 1,231 |
| Net loans and leases to deposits | 79.6139% | 1,910 |
| Net loans and leases to core deposits | 96.7675% | 1,078 |
| Total domestic deposits to total assets | 91.0349% | 218 |
| Equity capital to assets | 8.8309% | 4,196 |
| Core capital (leverage) ratio | 8.1134% | 4,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6759% | 2,375 |
| Memoranda: | ||
| Average total assets | $143,972,000 | 3,469 |
| Average earning assets | $139,895,400 | 3,383 |
| Average equity | $13,970,000 | 3,763 |
| Average total loans | $107,174,800 | 3,138 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4188% | 5,028 |
| Cost of funding earning assets | 0.0097% | 5,015 |
| Net interest margin | 0.4091% | 5,023 |
| Noninterest income to average assets | 0.0630% | 4,867 |
| Noninterest expense to average assets | 0.2492% | 5,027 |
| Loan and lease loss provision to assets | 0.0141% | 4,143 |
| Net operating income to assets | 0.1401% | 4,662 |
| Return on assets (ROA) | 0.1401% | 4,688 |
| Pretax return on assets | 0.1975% | 4,661 |
| Return on Equity (ROE) | 1.4100% | 4,638 |
| Retained earnings to average equity (ytd only) | 1.4100% | 4,109 |
| Net charge-offs to loans | -0.0013% | 3,834 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6122% | 4,451 |
| Assets per employee ($millions) | 6.0096% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0148% | 4,983 |
| Loan loss allowance to noncurrent loans | 20.5128% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 0.2436% | 3,214 |
| Noncurrent loans to loans | 0.0720% | 4,085 |
| Net loans and leases to total assets | 72.1018% | 1,650 |
| Net loans and leases to deposits | 79.2463% | 2,397 |
| Net loans and leases to core deposits | 96.7136% | 1,401 |
| Total domestic deposits to total assets | 90.9844% | 178 |
| Equity capital to assets | 8.7134% | 4,319 |
| Core capital (leverage) ratio | 7.8533% | 4,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6578% | 2,344 |
| Memoranda: | ||
| Average total assets | $141,769,500 | 3,476 |
| Average earning assets | $137,862,500 | 3,393 |
| Average equity | $14,089,500 | 3,752 |
| Average total loans | $106,233,500 | 3,152 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1687% | 2,855 |
| Cost of funding earning assets | 0.5637% | 3,161 |
| Net interest margin | 3.6050% | 2,468 |
| Noninterest income to average assets | 0.4664% | 2,733 |
| Noninterest expense to average assets | 2.2584% | 3,631 |
| Loan and lease loss provision to assets | 0.2231% | 1,877 |
| Net operating income to assets | 1.0755% | 2,053 |
| Return on assets (ROA) | 1.0767% | 2,178 |
| Pretax return on assets | 1.5027% | 1,450 |
| Return on Equity (ROE) | 10.3728% | 1,858 |
| Retained earnings to average equity (ytd only) | 10.3728% | 720 |
| Net charge-offs to loans | -0.0152% | 4,324 |
| Credit loss provision to net charge-offs | -1,937.5000% | 3,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7040% | 3,859 |
| Assets per employee ($millions) | 6.0204% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 2,424 |
| Loan loss allowance to noncurrent loans | 1,731.2500% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.3594% | 2,855 |
| Noncurrent loans to loans | 0.0703% | 4,183 |
| Net loans and leases to total assets | 74.6349% | 1,326 |
| Net loans and leases to deposits | 83.1253% | 2,085 |
| Net loans and leases to core deposits | 100.5622% | 1,218 |
| Total domestic deposits to total assets | 89.7861% | 463 |
| Equity capital to assets | 9.9243% | 3,271 |
| Core capital (leverage) ratio | 9.8186% | 3,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3113% | 1,175 |
| Memoranda: | ||
| Average total assets | $138,946,333 | 3,492 |
| Average earning assets | $135,535,333 | 3,404 |
| Average equity | $14,422,333 | 3,714 |
| Average total loans | $105,531,000 | 3,156 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2885% | 2,961 |
| Cost of funding earning assets | 0.6439% | 3,199 |
| Net interest margin | 3.6446% | 2,527 |
| Noninterest income to average assets | 0.2613% | 3,976 |
| Noninterest expense to average assets | 2.3490% | 3,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0520% | 1,999 |
| Return on assets (ROA) | 1.0543% | 2,086 |
| Pretax return on assets | 1.4689% | 1,388 |
| Return on Equity (ROE) | 9.9118% | 1,774 |
| Retained earnings to average equity (ytd only) | 9.9118% | 760 |
| Net charge-offs to loans | -0.0158% | 4,240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5748% | 3,543 |
| Assets per employee ($millions) | 5.2077% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 2,769 |
| Loan loss allowance to noncurrent loans | 562.3853% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 2,689 |
| Noncurrent loans to loans | 0.2100% | 3,724 |
| Net loans and leases to total assets | 75.7631% | 1,342 |
| Net loans and leases to deposits | 85.2154% | 2,092 |
| Net loans and leases to core deposits | 106.8205% | 1,012 |
| Total domestic deposits to total assets | 88.9078% | 705 |
| Equity capital to assets | 10.7340% | 3,105 |
| Core capital (leverage) ratio | 10.5245% | 2,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1178% | 1,323 |
| Memoranda: | ||
| Average total assets | $133,164,500 | 3,547 |
| Average earning assets | $129,835,500 | 3,445 |
| Average equity | $14,165,000 | 3,752 |
| Average total loans | $101,437,500 | 3,204 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4588% | 3,093 |
| Cost of funding earning assets | 0.6623% | 3,347 |
| Net interest margin | 3.7965% | 2,507 |
| Noninterest income to average assets | 0.4255% | 3,134 |
| Noninterest expense to average assets | 2.5794% | 3,238 |
| Loan and lease loss provision to assets | -0.1506% | 5,106 |
| Net operating income to assets | 1.2152% | 2,002 |
| Return on assets (ROA) | 1.2223% | 2,063 |
| Pretax return on assets | 1.6922% | 1,206 |
| Return on Equity (ROE) | 12.3415% | 1,385 |
| Retained earnings to average equity (ytd only) | 3.9769% | 2,970 |
| Net charge-offs to loans | -0.0020% | 4,228 |
| Credit loss provision to net charge-offs | 10,000.0000% | 42 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7289% | 3,257 |
| Assets per employee ($millions) | 5.2371% | 2,302 |
| Cash dividends to net income (ytd only)* | 67.7757% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 2,269 |
| Loan loss allowance to noncurrent loans | 555.4545% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 2,322 |
| Noncurrent loans to loans | 0.2221% | 3,652 |
| Net loans and leases to total assets | 74.7304% | 1,629 |
| Net loans and leases to deposits | 84.5785% | 2,268 |
| Net loans and leases to core deposits | 107.1970% | 1,027 |
| Total domestic deposits to total assets | 88.3562% | 961 |
| Equity capital to assets | 10.5371% | 3,411 |
| Core capital (leverage) ratio | 10.3322% | 3,156 |
| Tier 1 risk-based capital ratio | 15.6574% | 2,519 |
| Total risk-based capital ratio | 16.9096% | 2,455 |
| Memoranda: | ||
| Average total assets | $132,782,000 | 3,526 |
| Average earning assets | $128,935,800 | 3,445 |
| Average equity | $13,150,800 | 3,875 |
| Average total loans | $98,700,200 | 3,242 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4511% | 3,205 |
| Cost of funding earning assets | 0.6496% | 3,451 |
| Net interest margin | 3.8015% | 2,590 |
| Noninterest income to average assets | 0.4903% | 2,792 |
| Noninterest expense to average assets | 2.5316% | 3,345 |
| Loan and lease loss provision to assets | -0.2001% | 5,208 |
| Net operating income to assets | 1.3334% | 1,710 |
| Return on assets (ROA) | 1.3429% | 1,738 |
| Pretax return on assets | 1.8602% | 962 |
| Return on Equity (ROE) | 13.7749% | 1,033 |
| Retained earnings to average equity (ytd only) | 2.4840% | 4,098 |
| Net charge-offs to loans | -0.0068% | 4,280 |
| Credit loss provision to net charge-offs | 4,000.0000% | 100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5698% | 3,529 |
| Assets per employee ($millions) | 4.7724% | 2,825 |
| Cash dividends to net income (ytd only)* | 81.9671% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 2,337 |
| Loan loss allowance to noncurrent loans | 537.2807% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.5500% | 2,359 |
| Noncurrent loans to loans | 0.2288% | 3,727 |
| Net loans and leases to total assets | 73.6550% | 1,886 |
| Net loans and leases to deposits | 84.4246% | 2,399 |
| Net loans and leases to core deposits | 106.1496% | 1,171 |
| Total domestic deposits to total assets | 87.2436% | 1,409 |
| Equity capital to assets | 10.1634% | 3,859 |
| Core capital (leverage) ratio | 10.0617% | 3,574 |
| Tier 1 risk-based capital ratio | 15.1084% | 2,799 |
| Total risk-based capital ratio | 16.3605% | 2,730 |
| Memoranda: | ||
| Average total assets | $133,245,500 | 3,557 |
| Average earning assets | $129,312,750 | 3,470 |
| Average equity | $12,989,500 | 3,924 |
| Average total loans | $98,609,000 | 3,287 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 3,070 |
| Cost of funding earning assets | 0.6307% | 3,506 |
| Net interest margin | 3.8509% | 2,406 |
| Noninterest income to average assets | 0.4838% | 2,763 |
| Noninterest expense to average assets | 2.5481% | 3,333 |
| Loan and lease loss provision to assets | -0.3005% | 5,274 |
| Net operating income to assets | 1.4243% | 1,365 |
| Return on assets (ROA) | 1.4243% | 1,418 |
| Pretax return on assets | 1.9697% | 719 |
| Return on Equity (ROE) | 14.8214% | 799 |
| Retained earnings to average equity (ytd only) | -2.3764% | 4,937 |
| Net charge-offs to loans | -0.0041% | 4,074 |
| Credit loss provision to net charge-offs | 10,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4204% | 3,664 |
| Assets per employee ($millions) | 4.6214% | 2,976 |
| Cash dividends to net income (ytd only)* | 116.0338% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 2,250 |
| Loan loss allowance to noncurrent loans | 1,388.6364% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.4714% | 2,645 |
| Noncurrent loans to loans | 0.0900% | 4,281 |
| Net loans and leases to total assets | 74.5873% | 1,786 |
| Net loans and leases to deposits | 83.3990% | 2,559 |
| Net loans and leases to core deposits | 102.7367% | 1,494 |
| Total domestic deposits to total assets | 89.4343% | 497 |
| Equity capital to assets | 10.1569% | 3,830 |
| Core capital (leverage) ratio | 9.7749% | 3,849 |
| Tier 1 risk-based capital ratio | 15.0424% | 2,823 |
| Total risk-based capital ratio | 16.2944% | 2,743 |
| Memoranda: | ||
| Average total assets | $133,118,330 | 3,582 |
| Average earning assets | $129,062,330 | 3,492 |
| Average equity | $12,792,330 | 3,956 |
| Average total loans | $98,262,670 | 3,312 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4038% | 3,213 |
| Cost of funding earning assets | 0.6082% | 3,524 |
| Net interest margin | 3.7956% | 2,544 |
| Noninterest income to average assets | 0.2845% | 3,971 |
| Noninterest expense to average assets | 2.1989% | 4,258 |
| Loan and lease loss provision to assets | -0.5927% | 5,346 |
| Net operating income to assets | 1.6862% | 753 |
| Return on assets (ROA) | 1.6862% | 779 |
| Pretax return on assets | 2.3589% | 323 |
| Return on Equity (ROE) | 18.0392% | 394 |
| Retained earnings to average equity (ytd only) | -10.4938% | 5,126 |
| Net charge-offs to loans | -0.0162% | 4,409 |
| Credit loss provision to net charge-offs | 5,000.0000% | 77 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4559% | 4,397 |
| Assets per employee ($millions) | 4.8400% | 2,726 |
| Cash dividends to net income (ytd only)* | 158.1722% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 2,343 |
| Loan loss allowance to noncurrent loans | 1,211.8812% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.5210% | 2,541 |
| Noncurrent loans to loans | 0.1028% | 4,276 |
| Net loans and leases to total assets | 71.5607% | 2,239 |
| Net loans and leases to deposits | 79.3771% | 2,906 |
| Net loans and leases to core deposits | 99.8199% | 1,639 |
| Total domestic deposits to total assets | 90.1527% | 399 |
| Equity capital to assets | 9.3307% | 4,403 |
| Core capital (leverage) ratio | 9.3656% | 4,299 |
| Tier 1 risk-based capital ratio | 14.8537% | 2,938 |
| Total risk-based capital ratio | 16.1058% | 2,869 |
| Memoranda: | ||
| Average total assets | $134,977,500 | 3,594 |
| Average earning assets | $130,888,000 | 3,503 |
| Average equity | $12,617,000 | 3,992 |
| Average total loans | $98,525,000 | 3,345 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5473% | 2,309 |
| Cost of funding earning assets | 0.5581% | 2,995 |
| Net interest margin | 3.9892% | 2,020 |
| Noninterest income to average assets | 0.3781% | 3,566 |
| Noninterest expense to average assets | 2.5187% | 3,559 |
| Loan and lease loss provision to assets | -0.2255% | 5,342 |
| Net operating income to assets | 1.4115% | 1,388 |
| Return on assets (ROA) | 1.4115% | 1,378 |
| Pretax return on assets | 1.9422% | 644 |
| Return on Equity (ROE) | 15.5765% | 710 |
| Retained earnings to average equity (ytd only) | 9.3559% | 767 |
| Net charge-offs to loans | -0.1567% | 5,232 |
| Credit loss provision to net charge-offs | 188.6792% | 1,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4676% | 3,948 |
| Assets per employee ($millions) | 4.8013% | 2,741 |
| Cash dividends to net income (ytd only)* | 39.9361% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 1,499 |
| Loan loss allowance to noncurrent loans | 1,526.8817% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.5192% | 2,515 |
| Noncurrent loans to loans | 0.0941% | 4,326 |
| Net loans and leases to total assets | 72.4715% | 2,181 |
| Net loans and leases to deposits | 80.2787% | 2,925 |
| Net loans and leases to core deposits | 98.4071% | 1,837 |
| Total domestic deposits to total assets | 90.2749% | 392 |
| Equity capital to assets | 9.3644% | 4,251 |
| Core capital (leverage) ratio | 9.6100% | 3,992 |
| Tier 1 risk-based capital ratio | 15.0646% | 2,802 |
| Total risk-based capital ratio | 16.3189% | 2,730 |
| Memoranda: | ||
| Average total assets | $133,045,600 | 3,605 |
| Average earning assets | $128,647,600 | 3,512 |
| Average equity | $12,056,600 | 4,013 |
| Average total loans | $101,499,000 | 3,267 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3378% | 2,822 |
| Cost of funding earning assets | 0.5520% | 2,848 |
| Net interest margin | 3.7858% | 2,698 |
| Noninterest income to average assets | 0.4270% | 3,307 |
| Noninterest expense to average assets | 2.4587% | 3,703 |
| Loan and lease loss provision to assets | -0.3014% | 5,428 |
| Net operating income to assets | 1.4087% | 1,457 |
| Return on assets (ROA) | 1.4087% | 1,453 |
| Pretax return on assets | 1.9291% | 768 |
| Return on Equity (ROE) | 15.6774% | 752 |
| Retained earnings to average equity (ytd only) | 15.6774% | 151 |
| Net charge-offs to loans | -0.2023% | 5,299 |
| Credit loss provision to net charge-offs | 193.5484% | 1,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1672% | 3,797 |
| Assets per employee ($millions) | 5.1317% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 1,848 |
| Loan loss allowance to noncurrent loans | 65.8911% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 2.0311% | 520 |
| Noncurrent loans to loans | 2.0626% | 699 |
| Net loans and leases to total assets | 77.0266% | 1,497 |
| Net loans and leases to deposits | 85.3432% | 2,442 |
| Net loans and leases to core deposits | 107.8179% | 1,182 |
| Total domestic deposits to total assets | 90.2551% | 426 |
| Equity capital to assets | 9.3424% | 4,234 |
| Core capital (leverage) ratio | 9.8379% | 3,809 |
| Tier 1 risk-based capital ratio | 14.0962% | 3,324 |
| Total risk-based capital ratio | 15.3493% | 3,237 |
| Memoranda: | ||
| Average total assets | $132,698,250 | 3,645 |
| Average earning assets | $128,265,750 | 3,555 |
| Average equity | $11,923,500 | 4,073 |
| Average total loans | $102,162,000 | 3,290 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2494% | 2,948 |
| Cost of funding earning assets | 0.5312% | 2,755 |
| Net interest margin | 3.7182% | 2,863 |
| Noninterest income to average assets | 0.4318% | 3,281 |
| Noninterest expense to average assets | 2.4959% | 3,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1355% | 2,454 |
| Return on assets (ROA) | 1.1355% | 2,461 |
| Pretax return on assets | 1.5296% | 1,711 |
| Return on Equity (ROE) | 12.8076% | 1,442 |
| Retained earnings to average equity (ytd only) | 12.8076% | 412 |
| Net charge-offs to loans | -0.0138% | 4,429 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0030% | 3,624 |
| Assets per employee ($millions) | 4.7275% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5273% | 1,307 |
| Loan loss allowance to noncurrent loans | 75.6392% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.9982% | 538 |
| Noncurrent loans to loans | 2.0192% | 737 |
| Net loans and leases to total assets | 76.3736% | 1,577 |
| Net loans and leases to deposits | 84.3161% | 2,499 |
| Net loans and leases to core deposits | 106.3710% | 1,217 |
| Total domestic deposits to total assets | 90.5801% | 370 |
| Equity capital to assets | 9.0595% | 4,516 |
| Core capital (leverage) ratio | 9.4471% | 4,182 |
| Tier 1 risk-based capital ratio | 13.6902% | 3,513 |
| Total risk-based capital ratio | 14.9457% | 3,418 |
| Memoranda: | ||
| Average total assets | $132,456,330 | 3,669 |
| Average earning assets | $128,019,330 | 3,587 |
| Average equity | $11,743,000 | 4,124 |
| Average total loans | $101,486,670 | 3,312 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1173% | 3,180 |
| Cost of funding earning assets | 0.5275% | 2,565 |
| Net interest margin | 3.5898% | 3,221 |
| Noninterest income to average assets | 0.3079% | 4,102 |
| Noninterest expense to average assets | 2.4332% | 3,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9660% | 3,004 |
| Return on assets (ROA) | 0.9660% | 3,030 |
| Pretax return on assets | 1.3464% | 2,196 |
| Return on Equity (ROE) | 11.0169% | 1,961 |
| Retained earnings to average equity (ytd only) | 11.0169% | 894 |
| Net charge-offs to loans | -0.0119% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3770% | 3,419 |
| Assets per employee ($millions) | 4.9221% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 1,272 |
| Loan loss allowance to noncurrent loans | 76.6291% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 2.0475% | 545 |
| Noncurrent loans to loans | 2.0283% | 778 |
| Net loans and leases to total assets | 74.5397% | 1,781 |
| Net loans and leases to deposits | 82.0238% | 2,591 |
| Net loans and leases to core deposits | 102.4278% | 1,490 |
| Total domestic deposits to total assets | 90.8756% | 362 |
| Equity capital to assets | 8.7948% | 4,744 |
| Core capital (leverage) ratio | 9.2041% | 4,429 |
| Tier 1 risk-based capital ratio | 13.4745% | 3,667 |
| Total risk-based capital ratio | 14.7308% | 3,580 |
| Memoranda: | ||
| Average total assets | $132,500,000 | 3,705 |
| Average earning assets | $128,141,500 | 3,617 |
| Average equity | $11,618,500 | 4,177 |
| Average total loans | $100,898,500 | 3,346 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9837% | 3,458 |
| Cost of funding earning assets | 0.4678% | 2,618 |
| Net interest margin | 3.5159% | 3,479 |
| Noninterest income to average assets | 0.3929% | 3,684 |
| Noninterest expense to average assets | 2.3606% | 4,177 |
| Loan and lease loss provision to assets | 0.0076% | 4,114 |
| Net operating income to assets | 0.6785% | 3,685 |
| Return on assets (ROA) | 0.6785% | 3,741 |
| Pretax return on assets | 1.4072% | 1,964 |
| Return on Equity (ROE) | 7.8415% | 2,866 |
| Retained earnings to average equity (ytd only) | 7.8415% | 817 |
| Net charge-offs to loans | 0.0440% | 2,911 |
| Credit loss provision to net charge-offs | 22.2222% | 3,596 |
| Earnings coverage of net charge-offs (x) | 41.2889% | 1,237 |
| Efficiency ratio | 62.5252% | 3,857 |
| Assets per employee ($millions) | 5.0809% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 1,285 |
| Loan loss allowance to noncurrent loans | 45.1417% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 3.1324% | 248 |
| Noncurrent loans to loans | 3.4179% | 303 |
| Net loans and leases to total assets | 75.4040% | 1,694 |
| Net loans and leases to deposits | 82.9933% | 2,613 |
| Net loans and leases to core deposits | 103.8220% | 1,422 |
| Total domestic deposits to total assets | 90.8556% | 281 |
| Equity capital to assets | 8.7424% | 4,933 |
| Core capital (leverage) ratio | 8.7676% | 4,885 |
| Tier 1 risk-based capital ratio | 12.9680% | 3,925 |
| Total risk-based capital ratio | 14.2244% | 3,822 |
| Memoranda: | ||
| Average total assets | $131,321,800 | 3,727 |
| Average earning assets | $126,341,200 | 3,646 |
| Average equity | $11,362,600 | 4,242 |
| Average total loans | $102,353,000 | 3,310 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9617% | 3,483 |
| Cost of funding earning assets | 0.4412% | 2,797 |
| Net interest margin | 3.5204% | 3,425 |
| Noninterest income to average assets | 0.3538% | 4,003 |
| Noninterest expense to average assets | 2.3163% | 4,257 |
| Loan and lease loss provision to assets | 0.0102% | 3,931 |
| Net operating income to assets | 0.8928% | 3,063 |
| Return on assets (ROA) | 0.8928% | 3,118 |
| Pretax return on assets | 1.4103% | 2,088 |
| Return on Equity (ROE) | 10.3450% | 1,967 |
| Retained earnings to average equity (ytd only) | 10.3450% | 517 |
| Net charge-offs to loans | 0.0559% | 2,332 |
| Credit loss provision to net charge-offs | 23.2558% | 3,138 |
| Earnings coverage of net charge-offs (x) | 32.4894% | 1,486 |
| Efficiency ratio | 61.9864% | 3,885 |
| Assets per employee ($millions) | 5.0527% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5313% | 1,427 |
| Loan loss allowance to noncurrent loans | 43.8798% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 3.1549% | 275 |
| Noncurrent loans to loans | 3.4898% | 316 |
| Net loans and leases to total assets | 73.6721% | 1,971 |
| Net loans and leases to deposits | 80.9076% | 2,885 |
| Net loans and leases to core deposits | 103.0725% | 1,462 |
| Total domestic deposits to total assets | 91.0572% | 175 |
| Equity capital to assets | 8.6680% | 5,174 |
| Core capital (leverage) ratio | 8.8124% | 4,949 |
| Tier 1 risk-based capital ratio | 13.4931% | 3,708 |
| Total risk-based capital ratio | 14.7496% | 3,613 |
| Memoranda: | ||
| Average total assets | $131,126,500 | 3,766 |
| Average earning assets | $126,004,750 | 3,680 |
| Average equity | $11,316,000 | 4,295 |
| Average total loans | $102,648,250 | 3,338 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9407% | 3,405 |
| Cost of funding earning assets | 0.4044% | 3,026 |
| Net interest margin | 3.5363% | 3,270 |
| Noninterest income to average assets | 0.3664% | 3,935 |
| Noninterest expense to average assets | 2.3948% | 4,061 |
| Loan and lease loss provision to assets | 0.0155% | 3,643 |
| Net operating income to assets | 0.8720% | 3,061 |
| Return on assets (ROA) | 0.8720% | 3,111 |
| Pretax return on assets | 1.3497% | 2,215 |
| Return on Equity (ROE) | 10.1199% | 1,978 |
| Retained earnings to average equity (ytd only) | 10.1199% | 558 |
| Net charge-offs to loans | 0.0836% | 1,775 |
| Credit loss provision to net charge-offs | 23.2558% | 2,765 |
| Earnings coverage of net charge-offs (x) | 20.5349% | 1,791 |
| Efficiency ratio | 63.6924% | 3,723 |
| Assets per employee ($millions) | 4.8047% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4813% | 1,641 |
| Loan loss allowance to noncurrent loans | 42.6467% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 3.4889% | 232 |
| Noncurrent loans to loans | 3.4735% | 335 |
| Net loans and leases to total assets | 80.1304% | 934 |
| Net loans and leases to deposits | 88.2585% | 1,955 |
| Net loans and leases to core deposits | 112.4003% | 880 |
| Total domestic deposits to total assets | 90.7906% | 271 |
| Equity capital to assets | 8.9257% | 4,962 |
| Core capital (leverage) ratio | 8.8572% | 4,891 |
| Tier 1 risk-based capital ratio | 12.1712% | 4,511 |
| Total risk-based capital ratio | 13.4269% | 4,390 |
| Memoranda: | ||
| Average total assets | $129,361,330 | 3,815 |
| Average earning assets | $124,139,670 | 3,735 |
| Average equity | $11,146,330 | 4,339 |
| Average total loans | $102,841,670 | 3,341 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8937% | 3,423 |
| Cost of funding earning assets | 0.3975% | 3,015 |
| Net interest margin | 3.4963% | 3,287 |
| Noninterest income to average assets | 0.2229% | 4,939 |
| Noninterest expense to average assets | 2.3162% | 4,362 |
| Loan and lease loss provision to assets | 0.0310% | 3,162 |
| Net operating income to assets | 0.8453% | 3,012 |
| Return on assets (ROA) | 0.8453% | 3,057 |
| Pretax return on assets | 1.2262% | 2,487 |
| Return on Equity (ROE) | 9.9909% | 1,964 |
| Retained earnings to average equity (ytd only) | 9.9909% | 807 |
| Net charge-offs to loans | 0.1064% | 1,315 |
| Credit loss provision to net charge-offs | 37.0370% | 2,080 |
| Earnings coverage of net charge-offs (x) | 15.0370% | 1,697 |
| Efficiency ratio | 64.8180% | 3,696 |
| Assets per employee ($millions) | 4.7770% | 2,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 1,521 |
| Loan loss allowance to noncurrent loans | 39.5145% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 4.1930% | 175 |
| Noncurrent loans to loans | 3.9142% | 272 |
| Net loans and leases to total assets | 77.9296% | 1,145 |
| Net loans and leases to deposits | 85.6310% | 2,076 |
| Net loans and leases to core deposits | 113.5960% | 695 |
| Total domestic deposits to total assets | 91.0062% | 300 |
| Equity capital to assets | 8.6123% | 5,142 |
| Core capital (leverage) ratio | 8.6715% | 5,078 |
| Tier 1 risk-based capital ratio | 11.9187% | 4,774 |
| Total risk-based capital ratio | 13.1751% | 4,669 |
| Memoranda: | ||
| Average total assets | $129,179,000 | 3,858 |
| Average earning assets | $123,789,000 | 3,777 |
| Average equity | $10,930,000 | 4,399 |
| Average total loans | $101,506,000 | 3,391 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0161% | 3,133 |
| Cost of funding earning assets | 0.3568% | 3,445 |
| Net interest margin | 3.6593% | 2,861 |
| Noninterest income to average assets | 0.2607% | 4,867 |
| Noninterest expense to average assets | 2.5612% | 3,807 |
| Loan and lease loss provision to assets | 0.5048% | 275 |
| Net operating income to assets | 0.4369% | 4,831 |
| Return on assets (ROA) | 0.4369% | 4,918 |
| Pretax return on assets | 0.6910% | 4,520 |
| Return on Equity (ROE) | 4.8810% | 4,484 |
| Retained earnings to average equity (ytd only) | 4.8810% | 2,423 |
| Net charge-offs to loans | 0.1972% | 1,407 |
| Credit loss provision to net charge-offs | 326.2032% | 921 |
| Earnings coverage of net charge-offs (x) | 7.7273% | 2,970 |
| Efficiency ratio | 68.1718% | 3,205 |
| Assets per employee ($millions) | 4.9762% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 1,419 |
| Loan loss allowance to noncurrent loans | 36.8591% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 4.4590% | 158 |
| Noncurrent loans to loans | 4.2905% | 226 |
| Net loans and leases to total assets | 76.7700% | 1,399 |
| Net loans and leases to deposits | 84.0541% | 2,407 |
| Net loans and leases to core deposits | 109.4201% | 934 |
| Total domestic deposits to total assets | 91.3341% | 202 |
| Equity capital to assets | 8.3104% | 5,411 |
| Core capital (leverage) ratio | 8.7649% | 5,009 |
| Tier 1 risk-based capital ratio | 11.6115% | 4,979 |
| Total risk-based capital ratio | 12.8684% | 4,887 |
| Memoranda: | ||
| Average total assets | $120,842,400 | 3,979 |
| Average earning assets | $115,459,200 | 3,903 |
| Average equity | $10,817,400 | 4,450 |
| Average total loans | $94,850,000 | 3,483 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0553% | 3,016 |
| Cost of funding earning assets | 0.3529% | 3,507 |
| Net interest margin | 3.7024% | 2,711 |
| Noninterest income to average assets | 0.2617% | 4,899 |
| Noninterest expense to average assets | 2.5417% | 3,857 |
| Loan and lease loss provision to assets | 0.6851% | 162 |
| Net operating income to assets | 0.3639% | 5,135 |
| Return on assets (ROA) | 0.3639% | 5,217 |
| Pretax return on assets | 0.5694% | 4,957 |
| Return on Equity (ROE) | 3.9874% | 4,903 |
| Retained earnings to average equity (ytd only) | 3.9874% | 3,468 |
| Net charge-offs to loans | 0.2671% | 867 |
| Credit loss provision to net charge-offs | 326.2032% | 974 |
| Earnings coverage of net charge-offs (x) | 5.9732% | 3,051 |
| Efficiency ratio | 66.9527% | 3,433 |
| Assets per employee ($millions) | 4.3794% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6458% | 1,335 |
| Loan loss allowance to noncurrent loans | 34.5230% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 5.0896% | 140 |
| Noncurrent loans to loans | 4.7673% | 188 |
| Net loans and leases to total assets | 77.7815% | 1,235 |
| Net loans and leases to deposits | 87.6137% | 2,066 |
| Net loans and leases to core deposits | 110.6961% | 875 |
| Total domestic deposits to total assets | 88.7778% | 1,013 |
| Equity capital to assets | 9.0440% | 5,133 |
| Core capital (leverage) ratio | 9.0346% | 4,794 |
| Tier 1 risk-based capital ratio | 11.6197% | 5,024 |
| Total risk-based capital ratio | 12.8766% | 4,931 |
| Memoranda: | ||
| Average total assets | $118,708,000 | 4,047 |
| Average earning assets | $113,329,750 | 3,967 |
| Average equity | $10,833,750 | 4,493 |
| Average total loans | $93,332,250 | 3,527 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 2,884 |
| Cost of funding earning assets | 0.3481% | 3,593 |
| Net interest margin | 3.7457% | 2,531 |
| Noninterest income to average assets | 0.2555% | 4,948 |
| Noninterest expense to average assets | 2.5877% | 3,764 |
| Loan and lease loss provision to assets | 1.0392% | 95 |
| Net operating income to assets | 0.1448% | 5,619 |
| Return on assets (ROA) | 0.1448% | 5,666 |
| Pretax return on assets | 0.2027% | 5,617 |
| Return on Equity (ROE) | 1.5816% | 5,594 |
| Retained earnings to average equity (ytd only) | 1.5816% | 4,745 |
| Net charge-offs to loans | 0.3951% | 575 |
| Credit loss provision to net charge-offs | 335.1648% | 882 |
| Earnings coverage of net charge-offs (x) | 4.0055% | 3,032 |
| Efficiency ratio | 67.5712% | 3,436 |
| Assets per employee ($millions) | 4.2298% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 1,310 |
| Loan loss allowance to noncurrent loans | 49.6434% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 4.1636% | 203 |
| Noncurrent loans to loans | 3.3886% | 396 |
| Net loans and leases to total assets | 81.9332% | 635 |
| Net loans and leases to deposits | 91.9590% | 1,522 |
| Net loans and leases to core deposits | 109.6565% | 948 |
| Total domestic deposits to total assets | 89.0976% | 874 |
| Equity capital to assets | 9.5268% | 4,745 |
| Core capital (leverage) ratio | 8.7970% | 5,060 |
| Tier 1 risk-based capital ratio | 11.7137% | 5,026 |
| Total risk-based capital ratio | 12.9711% | 4,910 |
| Memoranda: | ||
| Average total assets | $117,403,000 | 4,099 |
| Average earning assets | $112,021,670 | 4,020 |
| Average equity | $10,748,330 | 4,536 |
| Average total loans | $92,118,330 | 3,565 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0304% | 3,108 |
| Cost of funding earning assets | 0.3453% | 3,654 |
| Net interest margin | 3.6851% | 2,727 |
| Noninterest income to average assets | 0.2286% | 5,107 |
| Noninterest expense to average assets | 2.4638% | 4,186 |
| Loan and lease loss provision to assets | 2.0168% | 39 |
| Net operating income to assets | -0.4202% | 5,947 |
| Return on assets (ROA) | -0.4202% | 5,955 |
| Pretax return on assets | -0.7361% | 5,996 |
| Return on Equity (ROE) | -4.6806% | 5,965 |
| Retained earnings to average equity (ytd only) | -4.6806% | 5,594 |
| Net charge-offs to loans | 0.0706% | 1,777 |
| Credit loss provision to net charge-offs | 3,750.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 23.8125% | 1,351 |
| Efficiency ratio | 65.7989% | 3,839 |
| Assets per employee ($millions) | 4.6503% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9377% | 913 |
| Loan loss allowance to noncurrent loans | 51.4495% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 4.4223% | 205 |
| Noncurrent loans to loans | 3.7662% | 339 |
| Net loans and leases to total assets | 73.5404% | 1,809 |
| Net loans and leases to deposits | 81.7740% | 2,571 |
| Net loans and leases to core deposits | 102.3281% | 1,310 |
| Total domestic deposits to total assets | 89.9313% | 630 |
| Equity capital to assets | 8.8025% | 5,336 |
| Core capital (leverage) ratio | 8.6473% | 5,239 |
| Tier 1 risk-based capital ratio | 11.7708% | 5,063 |
| Total risk-based capital ratio | 13.0318% | 4,963 |
| Memoranda: | ||
| Average total assets | $119,002,500 | 4,098 |
| Average earning assets | $113,538,000 | 4,016 |
| Average equity | $10,682,500 | 4,562 |
| Average total loans | $90,591,500 | 3,609 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 3,089 |
| Cost of funding earning assets | 0.3207% | 4,018 |
| Net interest margin | 3.7361% | 2,620 |
| Noninterest income to average assets | 0.4794% | 3,465 |
| Noninterest expense to average assets | 2.8300% | 3,105 |
| Loan and lease loss provision to assets | 0.4277% | 297 |
| Net operating income to assets | 0.4641% | 4,834 |
| Return on assets (ROA) | 0.4544% | 4,954 |
| Pretax return on assets | 0.7565% | 4,345 |
| Return on Equity (ROE) | 4.9222% | 4,544 |
| Retained earnings to average equity (ytd only) | 4.9222% | 2,478 |
| Net charge-offs to loans | 0.6392% | 372 |
| Credit loss provision to net charge-offs | 89.2193% | 2,771 |
| Earnings coverage of net charge-offs (x) | 2.5019% | 3,891 |
| Efficiency ratio | 70.2344% | 3,186 |
| Assets per employee ($millions) | 4.3369% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 2,933 |
| Loan loss allowance to noncurrent loans | 98.2412% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 2.6688% | 554 |
| Noncurrent loans to loans | 1.3192% | 1,787 |
| Net loans and leases to total assets | 76.2930% | 1,364 |
| Net loans and leases to deposits | 84.3875% | 2,321 |
| Net loans and leases to core deposits | 104.9740% | 1,168 |
| Total domestic deposits to total assets | 90.4079% | 470 |
| Equity capital to assets | 9.1566% | 4,963 |
| Core capital (leverage) ratio | 9.0375% | 4,837 |
| Tier 1 risk-based capital ratio | 11.9235% | 5,005 |
| Total risk-based capital ratio | 13.1767% | 4,904 |
| Memoranda: | ||
| Average total assets | $112,224,800 | 4,217 |
| Average earning assets | $106,635,600 | 4,127 |
| Average equity | $10,361,200 | 4,586 |
| Average total loans | $84,173,600 | 3,719 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0395% | 3,173 |
| Cost of funding earning assets | 0.3189% | 4,118 |
| Net interest margin | 3.7206% | 2,675 |
| Noninterest income to average assets | 0.4973% | 3,385 |
| Noninterest expense to average assets | 2.7853% | 3,248 |
| Loan and lease loss provision to assets | 0.5765% | 160 |
| Net operating income to assets | 0.3818% | 5,229 |
| Return on assets (ROA) | 0.3687% | 5,341 |
| Pretax return on assets | 0.6462% | 4,838 |
| Return on Equity (ROE) | 3.9852% | 5,036 |
| Retained earnings to average equity (ytd only) | 3.9852% | 3,632 |
| Net charge-offs to loans | 0.8685% | 222 |
| Credit loss provision to net charge-offs | 89.2193% | 2,482 |
| Earnings coverage of net charge-offs (x) | 1.9238% | 3,761 |
| Efficiency ratio | 69.1413% | 3,349 |
| Assets per employee ($millions) | 4.2247% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 2,901 |
| Loan loss allowance to noncurrent loans | 148.1061% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 2.2469% | 832 |
| Noncurrent loans to loans | 0.9052% | 2,712 |
| Net loans and leases to total assets | 75.6750% | 1,436 |
| Net loans and leases to deposits | 85.8787% | 2,160 |
| Net loans and leases to core deposits | 102.4399% | 1,346 |
| Total domestic deposits to total assets | 88.1185% | 1,494 |
| Equity capital to assets | 9.2690% | 5,036 |
| Core capital (leverage) ratio | 8.9454% | 5,059 |
| Tier 1 risk-based capital ratio | 12.0474% | 5,054 |
| Total risk-based capital ratio | 13.3014% | 4,965 |
| Memoranda: | ||
| Average total assets | $111,007,000 | 4,286 |
| Average earning assets | $105,356,750 | 4,199 |
| Average equity | $10,271,000 | 4,660 |
| Average total loans | $82,589,750 | 3,791 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9887% | 3,338 |
| Cost of funding earning assets | 0.3166% | 4,203 |
| Net interest margin | 3.6721% | 2,828 |
| Noninterest income to average assets | 0.5582% | 2,986 |
| Noninterest expense to average assets | 2.8094% | 3,193 |
| Loan and lease loss provision to assets | 0.8728% | 86 |
| Net operating income to assets | 0.1735% | 5,754 |
| Return on assets (ROA) | 0.1618% | 5,835 |
| Pretax return on assets | 0.3382% | 5,593 |
| Return on Equity (ROE) | 1.7502% | 5,745 |
| Retained earnings to average equity (ytd only) | 1.7502% | 4,823 |
| Net charge-offs to loans | 1.3415% | 138 |
| Credit loss provision to net charge-offs | 88.3978% | 2,225 |
| Earnings coverage of net charge-offs (x) | 1.2449% | 3,551 |
| Efficiency ratio | 69.5633% | 3,406 |
| Assets per employee ($millions) | 4.1810% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 2,774 |
| Loan loss allowance to noncurrent loans | 107.9482% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 2.5920% | 713 |
| Noncurrent loans to loans | 1.2942% | 2,080 |
| Net loans and leases to total assets | 73.0235% | 1,816 |
| Net loans and leases to deposits | 80.7583% | 2,689 |
| Net loans and leases to core deposits | 94.2103% | 1,940 |
| Total domestic deposits to total assets | 90.4223% | 487 |
| Equity capital to assets | 9.0108% | 5,226 |
| Core capital (leverage) ratio | 8.7150% | 5,303 |
| Tier 1 risk-based capital ratio | 12.1581% | 5,031 |
| Total risk-based capital ratio | 13.4123% | 4,926 |
| Memoranda: | ||
| Average total assets | $109,986,670 | 4,343 |
| Average earning assets | $104,245,000 | 4,262 |
| Average equity | $10,170,330 | 4,709 |
| Average total loans | $80,955,000 | 3,849 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9153% | 3,537 |
| Cost of funding earning assets | 0.3114% | 4,315 |
| Net interest margin | 3.6040% | 2,983 |
| Noninterest income to average assets | 0.5602% | 2,890 |
| Noninterest expense to average assets | 2.9004% | 2,904 |
| Loan and lease loss provision to assets | 1.4373% | 41 |
| Net operating income to assets | -0.2270% | 6,161 |
| Return on assets (ROA) | -0.2506% | 6,190 |
| Pretax return on assets | -0.4017% | 6,221 |
| Return on Equity (ROE) | -2.6747% | 6,204 |
| Retained earnings to average equity (ytd only) | -2.6747% | 5,761 |
| Net charge-offs to loans | -0.1406% | 5,960 |
| Credit loss provision to net charge-offs | -1,392.8571% | 5,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0056% | 2,989 |
| Assets per employee ($millions) | 4.0592% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0183% | 1,039 |
| Loan loss allowance to noncurrent loans | 63.8158% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 4.3057% | 324 |
| Noncurrent loans to loans | 3.1628% | 649 |
| Net loans and leases to total assets | 73.0415% | 1,646 |
| Net loans and leases to deposits | 83.2999% | 2,166 |
| Net loans and leases to core deposits | 95.5001% | 1,648 |
| Total domestic deposits to total assets | 87.6850% | 1,995 |
| Equity capital to assets | 9.3067% | 4,952 |
| Core capital (leverage) ratio | 8.9595% | 4,998 |
| Tier 1 risk-based capital ratio | 12.1159% | 5,168 |
| Total risk-based capital ratio | 13.3757% | 5,069 |
| Memoranda: | ||
| Average total assets | $108,536,500 | 4,399 |
| Average earning assets | $102,775,000 | 4,329 |
| Average equity | $10,169,500 | 4,743 |
| Average total loans | $79,631,500 | 3,905 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9577% | 3,881 |
| Cost of funding earning assets | 0.3260% | 4,531 |
| Net interest margin | 3.6318% | 3,285 |
| Noninterest income to average assets | 0.2610% | 5,268 |
| Noninterest expense to average assets | 2.8877% | 3,184 |
| Loan and lease loss provision to assets | 0.0047% | 4,519 |
| Net operating income to assets | 0.5195% | 4,731 |
| Return on assets (ROA) | 0.4983% | 4,909 |
| Pretax return on assets | 0.7498% | 4,443 |
| Return on Equity (ROE) | 5.4537% | 4,428 |
| Retained earnings to average equity (ytd only) | 5.4537% | 2,293 |
| Net charge-offs to loans | -0.0080% | 5,525 |
| Credit loss provision to net charge-offs | -83.3333% | 5,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5898% | 2,119 |
| Assets per employee ($millions) | 3.9806% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 2,137 |
| Loan loss allowance to noncurrent loans | 151.9753% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 2.7904% | 771 |
| Noncurrent loans to loans | 1.0443% | 2,734 |
| Net loans and leases to total assets | 71.0221% | 2,071 |
| Net loans and leases to deposits | 78.6423% | 2,888 |
| Net loans and leases to core deposits | 90.0416% | 2,276 |
| Total domestic deposits to total assets | 90.3103% | 609 |
| Equity capital to assets | 9.4338% | 4,803 |
| Core capital (leverage) ratio | 8.6625% | 5,377 |
| Tier 1 risk-based capital ratio | 14.0190% | 4,075 |
| Total risk-based capital ratio | 15.2762% | 3,998 |
| Memoranda: | ||
| Average total assets | $105,759,000 | 4,461 |
| Average earning assets | $99,400,200 | 4,406 |
| Average equity | $9,663,200 | 4,823 |
| Average total loans | $74,661,800 | 4,035 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9259% | 4,071 |
| Cost of funding earning assets | 0.3305% | 4,554 |
| Net interest margin | 3.5953% | 3,445 |
| Noninterest income to average assets | 0.3190% | 4,880 |
| Noninterest expense to average assets | 2.7937% | 3,488 |
| Loan and lease loss provision to assets | 0.0063% | 4,291 |
| Net operating income to assets | 0.5663% | 4,607 |
| Return on assets (ROA) | 0.5582% | 4,713 |
| Pretax return on assets | 0.8798% | 4,077 |
| Return on Equity (ROE) | 6.1607% | 4,151 |
| Retained earnings to average equity (ytd only) | 6.1607% | 2,302 |
| Net charge-offs to loans | 0.0018% | 4,658 |
| Credit loss provision to net charge-offs | 500.0000% | 567 |
| Earnings coverage of net charge-offs (x) | 711.7594% | 104 |
| Efficiency ratio | 75.6599% | 2,543 |
| Assets per employee ($millions) | 4.0704% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 2,311 |
| Loan loss allowance to noncurrent loans | 208.5179% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 2.6287% | 977 |
| Noncurrent loans to loans | 0.7662% | 3,674 |
| Net loans and leases to total assets | 68.5920% | 2,451 |
| Net loans and leases to deposits | 75.9085% | 3,191 |
| Net loans and leases to core deposits | 91.3115% | 2,084 |
| Total domestic deposits to total assets | 90.3614% | 588 |
| Equity capital to assets | 8.9935% | 5,359 |
| Core capital (leverage) ratio | 8.4886% | 5,671 |
| Tier 1 risk-based capital ratio | 13.9903% | 4,224 |
| Total risk-based capital ratio | 15.2471% | 4,157 |
| Memoranda: | ||
| Average total assets | $105,330,000 | 4,513 |
| Average earning assets | $98,829,500 | 4,467 |
| Average equity | $9,544,250 | 4,891 |
| Average total loans | $73,936,750 | 4,093 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9740% | 3,843 |
| Cost of funding earning assets | 0.3332% | 4,606 |
| Net interest margin | 3.6408% | 3,186 |
| Noninterest income to average assets | 0.2582% | 5,349 |
| Noninterest expense to average assets | 2.8457% | 3,349 |
| Loan and lease loss provision to assets | 0.0096% | 4,042 |
| Net operating income to assets | 0.5136% | 4,751 |
| Return on assets (ROA) | 0.5086% | 4,871 |
| Pretax return on assets | 0.8053% | 4,242 |
| Return on Equity (ROE) | 5.5986% | 4,386 |
| Retained earnings to average equity (ytd only) | 5.5986% | 2,579 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5735% | 2,362 |
| Assets per employee ($millions) | 3.8200% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6366% | 2,338 |
| Loan loss allowance to noncurrent loans | 148.6650% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 2.7571% | 950 |
| Noncurrent loans to loans | 1.1009% | 3,024 |
| Net loans and leases to total assets | 68.8344% | 2,271 |
| Net loans and leases to deposits | 75.8491% | 3,076 |
| Net loans and leases to core deposits | 88.9117% | 2,218 |
| Total domestic deposits to total assets | 90.7518% | 491 |
| Equity capital to assets | 9.0566% | 5,240 |
| Core capital (leverage) ratio | 8.4734% | 5,656 |
| Tier 1 risk-based capital ratio | 13.8931% | 4,326 |
| Total risk-based capital ratio | 15.1501% | 4,271 |
| Memoranda: | ||
| Average total assets | $103,806,000 | 4,586 |
| Average earning assets | $97,231,670 | 4,550 |
| Average equity | $9,431,000 | 4,925 |
| Average total loans | $73,046,330 | 4,131 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9748% | 3,793 |
| Cost of funding earning assets | 0.3396% | 4,647 |
| Net interest margin | 3.6352% | 3,119 |
| Noninterest income to average assets | 0.2113% | 5,663 |
| Noninterest expense to average assets | 2.8368% | 3,429 |
| Loan and lease loss provision to assets | 0.0196% | 3,569 |
| Net operating income to assets | 0.4678% | 4,855 |
| Return on assets (ROA) | 0.4578% | 4,970 |
| Pretax return on assets | 0.7317% | 4,379 |
| Return on Equity (ROE) | 5.0306% | 4,537 |
| Retained earnings to average equity (ytd only) | 5.0306% | 3,096 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7188% | 2,371 |
| Assets per employee ($millions) | 3.8269% | 4,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6693% | 2,441 |
| Loan loss allowance to noncurrent loans | 164.4295% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 3.2219% | 836 |
| Noncurrent loans to loans | 1.0152% | 3,391 |
| Net loans and leases to total assets | 69.8389% | 1,920 |
| Net loans and leases to deposits | 77.7195% | 2,599 |
| Net loans and leases to core deposits | 88.6738% | 2,030 |
| Total domestic deposits to total assets | 89.8602% | 1,149 |
| Equity capital to assets | 9.1101% | 4,987 |
| Core capital (leverage) ratio | 8.4722% | 5,677 |
| Tier 1 risk-based capital ratio | 14.1244% | 4,238 |
| Total risk-based capital ratio | 15.3842% | 4,186 |
| Memoranda: | ||
| Average total assets | $102,228,500 | 4,680 |
| Average earning assets | $95,401,500 | 4,643 |
| Average equity | $9,303,000 | 4,973 |
| Average total loans | $72,144,000 | 4,199 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0367% | 3,959 |
| Cost of funding earning assets | 0.3893% | 4,760 |
| Net interest margin | 3.6474% | 3,253 |
| Noninterest income to average assets | 0.2483% | 5,568 |
| Noninterest expense to average assets | 2.7932% | 3,749 |
| Loan and lease loss provision to assets | 0.4828% | 580 |
| Net operating income to assets | 0.2602% | 5,658 |
| Return on assets (ROA) | 0.2926% | 5,641 |
| Pretax return on assets | 0.4158% | 5,455 |
| Return on Equity (ROE) | 3.0489% | 5,486 |
| Retained earnings to average equity (ytd only) | -0.5441% | 5,981 |
| Net charge-offs to loans | 0.5168% | 1,276 |
| Credit loss provision to net charge-offs | 134.2466% | 1,751 |
| Earnings coverage of net charge-offs (x) | 2.3699% | 4,219 |
| Efficiency ratio | 76.6216% | 2,687 |
| Assets per employee ($millions) | 3.7456% | 4,374 |
| Cash dividends to net income (ytd only)* | 117.8451% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7207% | 2,331 |
| Loan loss allowance to noncurrent loans | 169.2094% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 3.5221% | 829 |
| Noncurrent loans to loans | 1.0169% | 3,476 |
| Net loans and leases to total assets | 68.9020% | 2,191 |
| Net loans and leases to deposits | 77.7623% | 2,752 |
| Net loans and leases to core deposits | 84.5594% | 2,607 |
| Total domestic deposits to total assets | 88.6060% | 1,853 |
| Equity capital to assets | 9.0901% | 4,934 |
| Core capital (leverage) ratio | 8.6714% | 5,448 |
| Tier 1 risk-based capital ratio | 14.2612% | 4,111 |
| Total risk-based capital ratio | 15.5209% | 4,046 |
| Memoranda: | ||
| Average total assets | $101,497,800 | 4,705 |
| Average earning assets | $94,532,000 | 4,667 |
| Average equity | $9,741,200 | 4,909 |
| Average total loans | $70,620,400 | 4,245 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0418% | 3,965 |
| Cost of funding earning assets | 0.3959% | 4,849 |
| Net interest margin | 3.6459% | 3,249 |
| Noninterest income to average assets | 0.3662% | 4,772 |
| Noninterest expense to average assets | 2.7561% | 3,809 |
| Loan and lease loss provision to assets | 0.0787% | 3,486 |
| Net operating income to assets | 0.5957% | 4,365 |
| Return on assets (ROA) | 0.6352% | 4,315 |
| Pretax return on assets | 0.9896% | 3,541 |
| Return on Equity (ROE) | 6.5327% | 3,914 |
| Retained earnings to average equity (ytd only) | 6.5327% | 2,118 |
| Net charge-offs to loans | 0.3685% | 1,725 |
| Credit loss provision to net charge-offs | 30.7692% | 3,882 |
| Earnings coverage of net charge-offs (x) | 3.9334% | 3,582 |
| Efficiency ratio | 73.2473% | 3,182 |
| Assets per employee ($millions) | 3.6233% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 4,223 |
| Loan loss allowance to noncurrent loans | 94.3953% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 3.5603% | 943 |
| Noncurrent loans to loans | 1.4125% | 3,053 |
| Net loans and leases to total assets | 70.0245% | 1,961 |
| Net loans and leases to deposits | 79.3110% | 2,507 |
| Net loans and leases to core deposits | 86.7519% | 2,312 |
| Total domestic deposits to total assets | 88.2911% | 1,944 |
| Equity capital to assets | 9.6823% | 4,321 |
| Core capital (leverage) ratio | 9.2912% | 4,704 |
| Tier 1 risk-based capital ratio | 15.2387% | 3,598 |
| Total risk-based capital ratio | 16.4918% | 3,551 |
| Memoranda: | ||
| Average total assets | $101,589,250 | 4,745 |
| Average earning assets | $94,642,250 | 4,704 |
| Average equity | $9,878,250 | 4,932 |
| Average total loans | $70,550,000 | 4,278 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9797% | 4,190 |
| Cost of funding earning assets | 0.4037% | 4,907 |
| Net interest margin | 3.5761% | 3,464 |
| Noninterest income to average assets | 0.3739% | 4,721 |
| Noninterest expense to average assets | 2.7648% | 3,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6000% | 4,279 |
| Return on assets (ROA) | 0.6592% | 4,175 |
| Pretax return on assets | 1.0311% | 3,371 |
| Return on Equity (ROE) | 6.7700% | 3,734 |
| Retained earnings to average equity (ytd only) | 6.7700% | 1,994 |
| Net charge-offs to loans | -0.1713% | 6,623 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6546% | 3,002 |
| Assets per employee ($millions) | 3.9387% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5877% | 3,198 |
| Loan loss allowance to noncurrent loans | 85.8736% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 4.1238% | 831 |
| Noncurrent loans to loans | 1.8489% | 2,562 |
| Net loans and leases to total assets | 69.9080% | 1,900 |
| Net loans and leases to deposits | 80.3560% | 2,276 |
| Net loans and leases to core deposits | 87.6619% | 2,145 |
| Total domestic deposits to total assets | 86.9978% | 2,825 |
| Equity capital to assets | 9.5063% | 4,572 |
| Core capital (leverage) ratio | 9.1206% | 4,803 |
| Tier 1 risk-based capital ratio | 14.9454% | 3,813 |
| Total risk-based capital ratio | 16.2036% | 3,769 |
| Memoranda: | ||
| Average total assets | $101,634,670 | 4,776 |
| Average earning assets | $94,629,330 | 4,740 |
| Average equity | $9,896,670 | 4,970 |
| Average total loans | $70,066,000 | 4,307 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9157% | 4,415 |
| Cost of funding earning assets | 0.4153% | 4,961 |
| Net interest margin | 3.5004% | 3,696 |
| Noninterest income to average assets | 0.2054% | 6,011 |
| Noninterest expense to average assets | 2.7497% | 3,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4697% | 4,824 |
| Return on assets (ROA) | 0.5057% | 4,775 |
| Pretax return on assets | 0.7743% | 4,279 |
| Return on Equity (ROE) | 5.1315% | 4,496 |
| Retained earnings to average equity (ytd only) | 5.1315% | 3,150 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2711% | 2,433 |
| Assets per employee ($millions) | 3.8947% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5879% | 3,449 |
| Loan loss allowance to noncurrent loans | 70.9197% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 4.4370% | 842 |
| Noncurrent loans to loans | 2.2390% | 2,341 |
| Net loans and leases to total assets | 67.0172% | 2,189 |
| Net loans and leases to deposits | 74.5240% | 2,848 |
| Net loans and leases to core deposits | 81.1215% | 2,677 |
| Total domestic deposits to total assets | 89.9271% | 1,093 |
| Equity capital to assets | 9.8991% | 4,277 |
| Core capital (leverage) ratio | 8.9358% | 4,995 |
| Tier 1 risk-based capital ratio | 14.4703% | 4,197 |
| Total risk-based capital ratio | 15.7261% | 4,156 |
| Memoranda: | ||
| Average total assets | $101,249,000 | 4,833 |
| Average earning assets | $94,390,000 | 4,785 |
| Average equity | $9,977,500 | 4,989 |
| Average total loans | $68,726,500 | 4,388 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 3,830 |
| Cost of funding earning assets | 0.5964% | 4,393 |
| Net interest margin | 3.7976% | 3,237 |
| Noninterest income to average assets | -0.1828% | 6,950 |
| Noninterest expense to average assets | 2.8585% | 3,817 |
| Loan and lease loss provision to assets | 0.1613% | 3,600 |
| Net operating income to assets | 0.2097% | 5,758 |
| Return on assets (ROA) | 0.3695% | 5,453 |
| Pretax return on assets | 0.5084% | 5,258 |
| Return on Equity (ROE) | 3.7777% | 5,241 |
| Retained earnings to average equity (ytd only) | 0.2798% | 5,716 |
| Net charge-offs to loans | 1.7117% | 482 |
| Credit loss provision to net charge-offs | 12.9615% | 5,367 |
| Earnings coverage of net charge-offs (x) | 0.3621% | 5,299 |
| Efficiency ratio | 86.3811% | 1,393 |
| Assets per employee ($millions) | 3.8937% | 4,161 |
| Cash dividends to net income (ytd only)* | 92.5926% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5987% | 3,316 |
| Loan loss allowance to noncurrent loans | 59.7056% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 4.6614% | 875 |
| Noncurrent loans to loans | 2.6776% | 1,976 |
| Net loans and leases to total assets | 66.5771% | 2,444 |
| Net loans and leases to deposits | 74.2602% | 3,052 |
| Net loans and leases to core deposits | 80.8415% | 2,900 |
| Total domestic deposits to total assets | 89.6539% | 1,151 |
| Equity capital to assets | 9.8098% | 4,438 |
| Core capital (leverage) ratio | 9.0853% | 4,757 |
| Tier 1 risk-based capital ratio | 14.6959% | 3,897 |
| Total risk-based capital ratio | 15.9528% | 3,849 |
| Memoranda: | ||
| Average total assets | $102,290,000 | 4,772 |
| Average earning assets | $94,059,200 | 4,755 |
| Average equity | $10,006,000 | 4,982 |
| Average total loans | $74,370,600 | 4,197 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4990% | 3,643 |
| Cost of funding earning assets | 0.6470% | 4,221 |
| Net interest margin | 3.8520% | 3,110 |
| Noninterest income to average assets | -0.3523% | 7,104 |
| Noninterest expense to average assets | 2.8303% | 3,872 |
| Loan and lease loss provision to assets | 0.2145% | 2,923 |
| Net operating income to assets | 0.1011% | 6,129 |
| Return on assets (ROA) | 0.3224% | 5,739 |
| Pretax return on assets | 0.4238% | 5,662 |
| Return on Equity (ROE) | 3.2984% | 5,576 |
| Retained earnings to average equity (ytd only) | 3.2984% | 4,546 |
| Net charge-offs to loans | 1.3678% | 669 |
| Credit loss provision to net charge-offs | 21.2082% | 4,934 |
| Earnings coverage of net charge-offs (x) | 0.3432% | 5,152 |
| Efficiency ratio | 89.0753% | 1,109 |
| Assets per employee ($millions) | 3.7126% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2373% | 1,636 |
| Loan loss allowance to noncurrent loans | 66.3053% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 5.5866% | 759 |
| Noncurrent loans to loans | 3.3743% | 1,624 |
| Net loans and leases to total assets | 69.3113% | 2,053 |
| Net loans and leases to deposits | 77.2800% | 2,760 |
| Net loans and leases to core deposits | 84.1809% | 2,670 |
| Total domestic deposits to total assets | 89.6886% | 1,019 |
| Equity capital to assets | 10.1358% | 4,302 |
| Core capital (leverage) ratio | 9.0290% | 5,018 |
| Tier 1 risk-based capital ratio | 15.0658% | 3,804 |
| Total risk-based capital ratio | 16.3326% | 3,745 |
| Memoranda: | ||
| Average total assets | $102,553,500 | 4,814 |
| Average earning assets | $93,975,000 | 4,796 |
| Average equity | $10,024,750 | 5,022 |
| Average total loans | $75,839,500 | 4,202 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5265% | 3,659 |
| Cost of funding earning assets | 0.7032% | 3,991 |
| Net interest margin | 3.8232% | 3,250 |
| Noninterest income to average assets | -0.6117% | 7,196 |
| Noninterest expense to average assets | 2.8454% | 3,849 |
| Loan and lease loss provision to assets | 0.3194% | 2,071 |
| Net operating income to assets | -0.2710% | 6,596 |
| Return on assets (ROA) | 0.1626% | 6,189 |
| Pretax return on assets | 0.1510% | 6,227 |
| Return on Equity (ROE) | 1.6834% | 6,141 |
| Retained earnings to average equity (ytd only) | 1.6834% | 5,357 |
| Net charge-offs to loans | 0.1627% | 3,633 |
| Credit loss provision to net charge-offs | 261.9048% | 1,097 |
| Earnings coverage of net charge-offs (x) | 0.3016% | 4,927 |
| Efficiency ratio | 98.7240% | 600 |
| Assets per employee ($millions) | 3.8747% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8334% | 917 |
| Loan loss allowance to noncurrent loans | 47.9110% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 8.1468% | 417 |
| Noncurrent loans to loans | 5.9139% | 755 |
| Net loans and leases to total assets | 75.5568% | 1,023 |
| Net loans and leases to deposits | 89.5908% | 1,186 |
| Net loans and leases to core deposits | 97.4337% | 1,312 |
| Total domestic deposits to total assets | 84.3354% | 4,174 |
| Equity capital to assets | 9.5748% | 4,943 |
| Core capital (leverage) ratio | 8.4676% | 5,688 |
| Tier 1 risk-based capital ratio | 12.3599% | 5,674 |
| Total risk-based capital ratio | 13.6350% | 5,642 |
| Memoranda: | ||
| Average total assets | $103,325,000 | 4,819 |
| Average earning assets | $94,422,330 | 4,808 |
| Average equity | $9,979,670 | 5,036 |
| Average total loans | $77,430,330 | 4,171 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4268% | 4,216 |
| Cost of funding earning assets | 0.7264% | 4,059 |
| Net interest margin | 3.7004% | 3,826 |
| Noninterest income to average assets | 0.5766% | 3,367 |
| Noninterest expense to average assets | 2.6802% | 4,504 |
| Loan and lease loss provision to assets | 0.6428% | 855 |
| Net operating income to assets | 0.4324% | 5,115 |
| Return on assets (ROA) | 0.4324% | 5,302 |
| Pretax return on assets | 0.6272% | 5,023 |
| Return on Equity (ROE) | 4.4574% | 5,063 |
| Retained earnings to average equity (ytd only) | 4.4574% | 3,917 |
| Net charge-offs to loans | 0.2438% | 2,713 |
| Credit loss provision to net charge-offs | 358.6957% | 859 |
| Earnings coverage of net charge-offs (x) | 7.0870% | 2,118 |
| Efficiency ratio | 67.8501% | 4,201 |
| Assets per employee ($millions) | 3.9086% | 4,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9747% | 855 |
| Loan loss allowance to noncurrent loans | 37.7009% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 10.8402% | 254 |
| Noncurrent loans to loans | 7.8904% | 495 |
| Net loans and leases to total assets | 71.7643% | 1,447 |
| Net loans and leases to deposits | 84.8533% | 1,552 |
| Net loans and leases to core deposits | 91.5880% | 1,689 |
| Total domestic deposits to total assets | 84.5745% | 4,239 |
| Equity capital to assets | 9.4587% | 4,872 |
| Core capital (leverage) ratio | 8.8800% | 5,020 |
| Tier 1 risk-based capital ratio | 12.5677% | 5,549 |
| Total risk-based capital ratio | 13.8430% | 5,492 |
| Memoranda: | ||
| Average total assets | $102,678,500 | 4,875 |
| Average earning assets | $93,612,500 | 4,860 |
| Average equity | $9,961,000 | 5,053 |
| Average total loans | $75,470,000 | 4,259 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9546% | 3,092 |
| Cost of funding earning assets | 0.8209% | 4,700 |
| Net interest margin | 4.1337% | 2,290 |
| Noninterest income to average assets | 0.0500% | 6,835 |
| Noninterest expense to average assets | 2.8554% | 4,148 |
| Loan and lease loss provision to assets | 1.3742% | 573 |
| Net operating income to assets | 0.2908% | 5,286 |
| Return on assets (ROA) | 0.7046% | 3,648 |
| Pretax return on assets | 0.0340% | 6,067 |
| Return on Equity (ROE) | 7.4989% | 3,154 |
| Retained earnings to average equity (ytd only) | 7.4989% | 1,275 |
| Net charge-offs to loans | 0.9772% | 1,768 |
| Credit loss provision to net charge-offs | 185.8108% | 1,392 |
| Earnings coverage of net charge-offs (x) | 1.3446% | 4,765 |
| Efficiency ratio | 74.1693% | 3,208 |
| Assets per employee ($millions) | 3.6972% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0227% | 792 |
| Loan loss allowance to noncurrent loans | 31.7893% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 10.7559% | 280 |
| Noncurrent loans to loans | 9.5084% | 350 |
| Net loans and leases to total assets | 70.8046% | 1,867 |
| Net loans and leases to deposits | 78.8971% | 2,692 |
| Net loans and leases to core deposits | 84.8785% | 2,761 |
| Total domestic deposits to total assets | 89.7429% | 1,134 |
| Equity capital to assets | 9.9575% | 4,215 |
| Core capital (leverage) ratio | 8.8331% | 5,054 |
| Tier 1 risk-based capital ratio | 13.4665% | 4,719 |
| Total risk-based capital ratio | 14.7443% | 4,664 |
| Memoranda: | ||
| Average total assets | $100,055,000 | 4,891 |
| Average earning assets | $91,975,400 | 4,855 |
| Average equity | $9,401,400 | 5,178 |
| Average total loans | $75,726,800 | 4,287 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0601% | 2,805 |
| Cost of funding earning assets | 0.8385% | 4,869 |
| Net interest margin | 4.2216% | 2,017 |
| Noninterest income to average assets | 0.1691% | 6,379 |
| Noninterest expense to average assets | 2.7555% | 4,515 |
| Loan and lease loss provision to assets | 1.1320% | 715 |
| Net operating income to assets | 0.0119% | 6,138 |
| Return on assets (ROA) | 0.0093% | 6,240 |
| Pretax return on assets | 0.1598% | 5,977 |
| Return on Equity (ROE) | 0.1007% | 6,240 |
| Retained earnings to average equity (ytd only) | 0.1007% | 5,924 |
| Net charge-offs to loans | 0.8495% | 1,872 |
| Credit loss provision to net charge-offs | 174.5380% | 1,706 |
| Earnings coverage of net charge-offs (x) | 1.9979% | 4,151 |
| Efficiency ratio | 68.0145% | 4,306 |
| Assets per employee ($millions) | 3.6694% | 4,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6106% | 1,251 |
| Loan loss allowance to noncurrent loans | 50.8425% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 8.0193% | 549 |
| Noncurrent loans to loans | 5.1347% | 1,192 |
| Net loans and leases to total assets | 72.7093% | 1,567 |
| Net loans and leases to deposits | 82.3005% | 2,302 |
| Net loans and leases to core deposits | 88.9696% | 2,367 |
| Total domestic deposits to total assets | 88.3461% | 1,847 |
| Equity capital to assets | 9.6009% | 4,934 |
| Core capital (leverage) ratio | 8.9196% | 5,067 |
| Tier 1 risk-based capital ratio | 13.6378% | 4,627 |
| Total risk-based capital ratio | 14.9092% | 4,577 |
| Memoranda: | ||
| Average total assets | $100,112,750 | 4,927 |
| Average earning assets | $92,064,250 | 4,896 |
| Average equity | $9,266,750 | 5,241 |
| Average total loans | $76,437,750 | 4,300 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1271% | 2,556 |
| Cost of funding earning assets | 0.8664% | 4,936 |
| Net interest margin | 4.2607% | 1,797 |
| Noninterest income to average assets | 0.2787% | 5,654 |
| Noninterest expense to average assets | 2.7613% | 4,586 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8977% | 2,649 |
| Return on assets (ROA) | 0.8939% | 2,771 |
| Pretax return on assets | 1.4274% | 1,735 |
| Return on Equity (ROE) | 9.7768% | 2,197 |
| Retained earnings to average equity (ytd only) | 9.7768% | 902 |
| Net charge-offs to loans | 0.2304% | 3,743 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 8.0899% | 2,118 |
| Efficiency ratio | 65.8282% | 4,907 |
| Assets per employee ($millions) | 3.6355% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9288% | 2,581 |
| Loan loss allowance to noncurrent loans | 54.5756% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 6.4580% | 828 |
| Noncurrent loans to loans | 3.5342% | 2,003 |
| Net loans and leases to total assets | 76.6112% | 979 |
| Net loans and leases to deposits | 85.2521% | 1,903 |
| Net loans and leases to core deposits | 92.0846% | 2,117 |
| Total domestic deposits to total assets | 89.8643% | 1,034 |
| Equity capital to assets | 9.7190% | 4,511 |
| Core capital (leverage) ratio | 9.2616% | 4,313 |
| Tier 1 risk-based capital ratio | 13.9597% | 4,198 |
| Total risk-based capital ratio | 15.2213% | 4,164 |
| Memoranda: | ||
| Average total assets | $100,459,000 | 4,948 |
| Average earning assets | $92,333,000 | 4,928 |
| Average equity | $9,185,000 | 5,273 |
| Average total loans | $77,261,330 | 4,305 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1486% | 2,442 |
| Cost of funding earning assets | 0.8859% | 5,025 |
| Net interest margin | 4.2627% | 1,694 |
| Noninterest income to average assets | 0.4055% | 4,666 |
| Noninterest expense to average assets | 2.6809% | 4,910 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1503% | 1,666 |
| Return on assets (ROA) | 1.1889% | 1,598 |
| Pretax return on assets | 1.7006% | 980 |
| Return on Equity (ROE) | 13.4110% | 1,108 |
| Retained earnings to average equity (ytd only) | 13.4110% | 530 |
| Net charge-offs to loans | 0.4745% | 2,287 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.5435% | 2,451 |
| Efficiency ratio | 61.9654% | 5,685 |
| Assets per employee ($millions) | 3.6933% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9195% | 2,625 |
| Loan loss allowance to noncurrent loans | 53.3237% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 6.5254% | 853 |
| Noncurrent loans to loans | 3.5997% | 2,062 |
| Net loans and leases to total assets | 75.6333% | 1,087 |
| Net loans and leases to deposits | 83.6300% | 2,089 |
| Net loans and leases to core deposits | 89.8992% | 2,362 |
| Total domestic deposits to total assets | 90.4380% | 876 |
| Equity capital to assets | 9.1809% | 4,901 |
| Core capital (leverage) ratio | 8.9444% | 4,700 |
| Tier 1 risk-based capital ratio | 13.2970% | 4,582 |
| Total risk-based capital ratio | 14.5578% | 4,551 |
| Memoranda: | ||
| Average total assets | $101,609,500 | 4,955 |
| Average earning assets | $93,462,000 | 4,928 |
| Average equity | $9,007,500 | 5,327 |
| Average total loans | $77,552,500 | 4,341 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5242% | 2,188 |
| Cost of funding earning assets | 1.4691% | 2,827 |
| Net interest margin | 4.0550% | 2,778 |
| Noninterest income to average assets | -0.0278% | 7,331 |
| Noninterest expense to average assets | 2.8985% | 4,229 |
| Loan and lease loss provision to assets | 0.3699% | 3,908 |
| Net operating income to assets | 0.4199% | 4,464 |
| Return on assets (ROA) | 0.4624% | 4,428 |
| Pretax return on assets | 0.4773% | 4,701 |
| Return on Equity (ROE) | 5.2617% | 3,961 |
| Retained earnings to average equity (ytd only) | 5.2617% | 2,269 |
| Net charge-offs to loans | 0.1101% | 5,772 |
| Credit loss provision to net charge-offs | 417.9775% | 569 |
| Earnings coverage of net charge-offs (x) | 9.0787% | 1,880 |
| Efficiency ratio | 78.2971% | 2,654 |
| Assets per employee ($millions) | 3.8334% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0049% | 2,289 |
| Loan loss allowance to noncurrent loans | 83.1830% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 5.4521% | 1,139 |
| Noncurrent loans to loans | 2.4102% | 3,105 |
| Net loans and leases to total assets | 74.0486% | 1,654 |
| Net loans and leases to deposits | 81.2701% | 2,937 |
| Net loans and leases to core deposits | 87.0416% | 3,176 |
| Total domestic deposits to total assets | 91.1141% | 551 |
| Equity capital to assets | 8.5603% | 5,777 |
| Core capital (leverage) ratio | 8.5334% | 5,299 |
| Tier 1 risk-based capital ratio | 12.4499% | 5,066 |
| Total risk-based capital ratio | 13.7123% | 5,042 |
| Memoranda: | ||
| Average total assets | $100,567,600 | 4,973 |
| Average earning assets | $92,502,800 | 4,929 |
| Average equity | $8,837,400 | 5,468 |
| Average total loans | $80,858,200 | 4,316 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6030% | 2,047 |
| Cost of funding earning assets | 1.6083% | 2,337 |
| Net interest margin | 3.9946% | 3,129 |
| Noninterest income to average assets | 0.1589% | 6,725 |
| Noninterest expense to average assets | 2.8994% | 4,092 |
| Loan and lease loss provision to assets | 0.4968% | 2,979 |
| Net operating income to assets | 0.2469% | 5,364 |
| Return on assets (ROA) | 0.2845% | 5,390 |
| Pretax return on assets | 0.4968% | 4,938 |
| Return on Equity (ROE) | 3.2156% | 5,135 |
| Retained earnings to average equity (ytd only) | 3.2156% | 4,177 |
| Net charge-offs to loans | 0.1325% | 5,238 |
| Credit loss provision to net charge-offs | 459.2593% | 653 |
| Earnings coverage of net charge-offs (x) | 8.6418% | 2,133 |
| Efficiency ratio | 75.6183% | 3,015 |
| Assets per employee ($millions) | 3.6436% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0004% | 2,218 |
| Loan loss allowance to noncurrent loans | 109.9791% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 5.4313% | 1,146 |
| Noncurrent loans to loans | 1.8189% | 3,919 |
| Net loans and leases to total assets | 75.6783% | 1,464 |
| Net loans and leases to deposits | 83.2941% | 2,840 |
| Net loans and leases to core deposits | 87.0193% | 3,521 |
| Total domestic deposits to total assets | 90.8567% | 496 |
| Equity capital to assets | 8.7120% | 5,992 |
| Core capital (leverage) ratio | 8.2526% | 5,959 |
| Tier 1 risk-based capital ratio | 12.0108% | 5,455 |
| Total risk-based capital ratio | 13.2735% | 5,410 |
| Memoranda: | ||
| Average total assets | $99,834,250 | 5,055 |
| Average earning assets | $91,854,000 | 5,015 |
| Average equity | $8,831,750 | 5,545 |
| Average total loans | $81,520,500 | 4,366 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6411% | 1,977 |
| Cost of funding earning assets | 1.7098% | 2,072 |
| Net interest margin | 3.9313% | 3,317 |
| Noninterest income to average assets | 0.0626% | 7,269 |
| Noninterest expense to average assets | 2.9504% | 3,889 |
| Loan and lease loss provision to assets | 0.0948% | 5,964 |
| Net operating income to assets | 0.6498% | 3,627 |
| Return on assets (ROA) | 0.7386% | 3,394 |
| Pretax return on assets | 0.7346% | 4,127 |
| Return on Equity (ROE) | 8.3059% | 2,758 |
| Retained earnings to average equity (ytd only) | 8.3059% | 1,331 |
| Net charge-offs to loans | 0.1868% | 4,492 |
| Credit loss provision to net charge-offs | 61.0390% | 5,185 |
| Earnings coverage of net charge-offs (x) | 4.7662% | 2,851 |
| Efficiency ratio | 79.9344% | 2,458 |
| Assets per employee ($millions) | 3.5892% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5577% | 3,634 |
| Loan loss allowance to noncurrent loans | 106.7177% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 5.5255% | 1,114 |
| Noncurrent loans to loans | 1.4596% | 4,519 |
| Net loans and leases to total assets | 78.9228% | 973 |
| Net loans and leases to deposits | 87.0560% | 2,325 |
| Net loans and leases to core deposits | 92.0298% | 2,983 |
| Total domestic deposits to total assets | 90.6574% | 621 |
| Equity capital to assets | 8.9465% | 5,530 |
| Core capital (leverage) ratio | 8.5515% | 5,321 |
| Tier 1 risk-based capital ratio | 11.8116% | 5,484 |
| Total risk-based capital ratio | 13.0694% | 5,440 |
| Memoranda: | ||
| Average total assets | $99,105,670 | 5,108 |
| Average earning assets | $91,471,670 | 5,046 |
| Average equity | $8,813,000 | 5,555 |
| Average total loans | $82,433,000 | 4,370 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8453% | 1,333 |
| Cost of funding earning assets | 1.7195% | 2,292 |
| Net interest margin | 4.1258% | 2,334 |
| Noninterest income to average assets | -0.3577% | 7,837 |
| Noninterest expense to average assets | 2.8046% | 4,460 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9593% | 2,331 |
| Return on assets (ROA) | 0.9593% | 2,395 |
| Pretax return on assets | 0.6707% | 4,335 |
| Return on Equity (ROE) | 10.8207% | 1,827 |
| Retained earnings to average equity (ytd only) | 10.8207% | 953 |
| Net charge-offs to loans | 0.1535% | 4,007 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 5.1563% | 2,452 |
| Efficiency ratio | 80.7018% | 2,454 |
| Assets per employee ($millions) | 3.6019% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5138% | 3,839 |
| Loan loss allowance to noncurrent loans | 406.8182% | 777 |
| Noncurrent assets plus other real estate owned to assets | 3.2853% | 2,181 |
| Noncurrent loans to loans | 0.3721% | 6,548 |
| Net loans and leases to total assets | 83.8235% | 390 |
| Net loans and leases to deposits | 92.6206% | 1,523 |
| Net loans and leases to core deposits | 97.6124% | 2,385 |
| Total domestic deposits to total assets | 90.5020% | 737 |
| Equity capital to assets | 9.1032% | 5,125 |
| Core capital (leverage) ratio | 8.5135% | 5,350 |
| Tier 1 risk-based capital ratio | 11.6411% | 5,539 |
| Total risk-based capital ratio | 12.8965% | 5,494 |
| Memoranda: | ||
| Average total assets | $98,410,000 | 5,195 |
| Average earning assets | $91,424,000 | 5,124 |
| Average equity | $8,724,000 | 5,621 |
| Average total loans | $83,364,500 | 4,404 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7363% | 2,926 |
| Cost of funding earning assets | 1.9203% | 3,352 |
| Net interest margin | 3.8160% | 3,640 |
| Noninterest income to average assets | 0.5311% | 4,171 |
| Noninterest expense to average assets | 2.6350% | 5,652 |
| Loan and lease loss provision to assets | 1.7434% | 1,304 |
| Net operating income to assets | -0.2651% | 5,916 |
| Return on assets (ROA) | -0.2595% | 5,914 |
| Pretax return on assets | -0.2502% | 5,767 |
| Return on Equity (ROE) | -3.1935% | 6,016 |
| Retained earnings to average equity (ytd only) | -3.1935% | 5,737 |
| Net charge-offs to loans | 1.3846% | 1,810 |
| Credit loss provision to net charge-offs | 150.4800% | 3,081 |
| Earnings coverage of net charge-offs (x) | 1.2840% | 4,845 |
| Efficiency ratio | 63.9164% | 5,792 |
| Assets per employee ($millions) | 3.5560% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 3,569 |
| Loan loss allowance to noncurrent loans | 311.8932% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 3.5644% | 1,875 |
| Noncurrent loans to loans | 0.4907% | 6,274 |
| Net loans and leases to total assets | 83.0297% | 540 |
| Net loans and leases to deposits | 93.1074% | 1,722 |
| Net loans and leases to core deposits | 115.0686% | 2,409 |
| Total domestic deposits to total assets | 89.1762% | 1,399 |
| Equity capital to assets | 8.6323% | 5,689 |
| Core capital (leverage) ratio | 8.0722% | 6,042 |
| Tier 1 risk-based capital ratio | 11.0150% | 5,902 |
| Total risk-based capital ratio | 12.2714% | 5,863 |
| Memoranda: | ||
| Average total assets | $107,893,600 | 4,881 |
| Average earning assets | $101,546,200 | 4,797 |
| Average equity | $8,767,800 | 5,675 |
| Average total loans | $90,280,600 | 4,204 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6863% | 3,407 |
| Cost of funding earning assets | 1.9314% | 3,708 |
| Net interest margin | 3.7549% | 3,839 |
| Noninterest income to average assets | 0.5286% | 4,249 |
| Noninterest expense to average assets | 2.6454% | 5,541 |
| Loan and lease loss provision to assets | 1.9410% | 942 |
| Net operating income to assets | -0.3443% | 6,260 |
| Return on assets (ROA) | -0.3395% | 6,262 |
| Pretax return on assets | -0.5056% | 6,305 |
| Return on Equity (ROE) | -4.2370% | 6,363 |
| Retained earnings to average equity (ytd only) | -4.2370% | 6,142 |
| Net charge-offs to loans | 1.8186% | 1,110 |
| Credit loss provision to net charge-offs | 127.7733% | 3,927 |
| Earnings coverage of net charge-offs (x) | 0.9401% | 5,118 |
| Efficiency ratio | 64.9405% | 5,561 |
| Assets per employee ($millions) | 3.6283% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 5,303 |
| Loan loss allowance to noncurrent loans | 89.9461% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 3.3244% | 2,030 |
| Noncurrent loans to loans | 1.3002% | 4,768 |
| Net loans and leases to total assets | 80.4744% | 1,093 |
| Net loans and leases to deposits | 91.7977% | 2,266 |
| Net loans and leases to core deposits | 116.7558% | 2,546 |
| Total domestic deposits to total assets | 87.6650% | 1,821 |
| Equity capital to assets | 8.2189% | 6,617 |
| Core capital (leverage) ratio | 7.7519% | 6,665 |
| Tier 1 risk-based capital ratio | 10.8139% | 6,139 |
| Total risk-based capital ratio | 12.0643% | 6,102 |
| Memoranda: | ||
| Average total assets | $109,975,000 | 4,851 |
| Average earning assets | $103,826,750 | 4,771 |
| Average equity | $8,811,000 | 5,716 |
| Average total loans | $91,861,750 | 4,198 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6268% | 3,931 |
| Cost of funding earning assets | 1.9474% | 4,021 |
| Net interest margin | 3.6794% | 4,044 |
| Noninterest income to average assets | 0.5307% | 4,180 |
| Noninterest expense to average assets | 2.6210% | 5,652 |
| Loan and lease loss provision to assets | 2.0742% | 772 |
| Net operating income to assets | -0.3242% | 6,349 |
| Return on assets (ROA) | -0.3173% | 6,361 |
| Pretax return on assets | -0.6615% | 6,574 |
| Return on Equity (ROE) | -3.9931% | 6,480 |
| Retained earnings to average equity (ytd only) | -3.9931% | 6,139 |
| Net charge-offs to loans | 2.1784% | 842 |
| Credit loss provision to net charge-offs | 113.0987% | 4,099 |
| Earnings coverage of net charge-offs (x) | 0.7644% | 4,968 |
| Efficiency ratio | 65.1515% | 5,687 |
| Assets per employee ($millions) | 3.6827% | 4,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 6,873 |
| Loan loss allowance to noncurrent loans | 26.9494% | 6,699 |
| Noncurrent assets plus other real estate owned to assets | 3.5179% | 1,766 |
| Noncurrent loans to loans | 3.2487% | 2,186 |
| Net loans and leases to total assets | 83.5371% | 701 |
| Net loans and leases to deposits | 94.0066% | 2,088 |
| Net loans and leases to core deposits | 123.9800% | 2,028 |
| Total domestic deposits to total assets | 88.8631% | 1,340 |
| Equity capital to assets | 8.1406% | 6,577 |
| Core capital (leverage) ratio | 7.6345% | 6,851 |
| Tier 1 risk-based capital ratio | 10.5290% | 6,353 |
| Total risk-based capital ratio | 11.5330% | 6,549 |
| Memoranda: | ||
| Average total assets | $111,559,670 | 4,838 |
| Average earning assets | $105,886,000 | 4,728 |
| Average equity | $8,865,330 | 5,733 |
| Average total loans | $93,923,000 | 4,170 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6216% | 4,230 |
| Cost of funding earning assets | 1.9083% | 4,585 |
| Net interest margin | 3.7134% | 3,831 |
| Noninterest income to average assets | 0.5161% | 4,173 |
| Noninterest expense to average assets | 2.3626% | 6,331 |
| Loan and lease loss provision to assets | 1.7132% | 726 |
| Net operating income to assets | 0.0798% | 6,038 |
| Return on assets (ROA) | 0.0843% | 6,190 |
| Pretax return on assets | -0.0140% | 6,397 |
| Return on Equity (ROE) | 1.0725% | 6,102 |
| Retained earnings to average equity (ytd only) | 1.0725% | 5,210 |
| Net charge-offs to loans | 1.4559% | 991 |
| Credit loss provision to net charge-offs | 139.8281% | 2,913 |
| Earnings coverage of net charge-offs (x) | 1.3811% | 4,045 |
| Efficiency ratio | 58.2684% | 6,657 |
| Assets per employee ($millions) | 3.8484% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8358% | 7,027 |
| Loan loss allowance to noncurrent loans | 33.5307% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 2.2598% | 2,540 |
| Noncurrent loans to loans | 2.4927% | 2,639 |
| Net loans and leases to total assets | 84.3018% | 644 |
| Net loans and leases to deposits | 95.8418% | 1,974 |
| Net loans and leases to core deposits | 136.4302% | 1,274 |
| Total domestic deposits to total assets | 87.9593% | 1,762 |
| Equity capital to assets | 8.0149% | 6,784 |
| Core capital (leverage) ratio | 7.7409% | 6,834 |
| Tier 1 risk-based capital ratio | 10.2088% | 6,708 |
| Total risk-based capital ratio | 11.1613% | 6,917 |
| Memoranda: | ||
| Average total assets | $113,940,500 | 4,803 |
| Average earning assets | $108,581,000 | 4,677 |
| Average equity | $8,951,000 | 5,717 |
| Average total loans | $95,882,500 | 4,149 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4947% | 2,980 |
| Cost of funding earning assets | 2.7726% | 2,817 |
| Net interest margin | 3.7221% | 4,373 |
| Noninterest income to average assets | 0.2337% | 6,767 |
| Noninterest expense to average assets | 2.3174% | 6,646 |
| Loan and lease loss provision to assets | 0.4209% | 3,173 |
| Net operating income to assets | 0.8947% | 3,022 |
| Return on assets (ROA) | 0.8955% | 2,858 |
| Pretax return on assets | 1.0210% | 3,311 |
| Return on Equity (ROE) | 11.7848% | 1,660 |
| Retained earnings to average equity (ytd only) | 11.7848% | 243 |
| Net charge-offs to loans | 0.7565% | 1,639 |
| Credit loss provision to net charge-offs | 66.6187% | 6,132 |
| Earnings coverage of net charge-offs (x) | 2.2806% | 4,941 |
| Efficiency ratio | 61.6594% | 6,017 |
| Assets per employee ($millions) | 4.1527% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6750% | 7,488 |
| Loan loss allowance to noncurrent loans | 28.0446% | 6,832 |
| Noncurrent assets plus other real estate owned to assets | 2.0056% | 2,453 |
| Noncurrent loans to loans | 2.4069% | 2,279 |
| Net loans and leases to total assets | 82.7626% | 1,088 |
| Net loans and leases to deposits | 107.8338% | 987 |
| Net loans and leases to core deposits | 130.7194% | 1,802 |
| Total domestic deposits to total assets | 76.7501% | 6,053 |
| Equity capital to assets | 7.7032% | 7,200 |
| Core capital (leverage) ratio | 7.3922% | 7,313 |
| Tier 1 risk-based capital ratio | 10.1976% | 6,520 |
| Total risk-based capital ratio | 10.9800% | 6,953 |
| Memoranda: | ||
| Average total assets | $109,992,800 | 4,785 |
| Average earning assets | $104,161,800 | 4,676 |
| Average equity | $8,358,200 | 5,961 |
| Average total loans | $91,865,000 | 4,162 |