Home > KansasLand Bank > Performance and Condition Ratios
KansasLand Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9856% | 3,989 |
| Cost of funding earning assets | 2.1562% | 694 |
| Net interest margin | 1.8294% | 4,454 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 3.3645% | 689 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -1.1269% | 4,536 |
| Return on assets (ROA) | -1.1196% | 4,528 |
| Pretax return on assets | -1.1401% | 4,525 |
| Return on Equity (ROE) | -20.7800% | 4,549 |
| Retained earnings to average equity (ytd only) | -20.7843% | 4,527 |
| Net charge-offs to loans | -0.0070% | 3,920 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 151.6400% | 40 |
| Assets per employee ($millions) | 4.5381% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4454% | 204 |
| Loan loss allowance to noncurrent loans | 68.7619% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.9281% | 155 |
| Noncurrent loans to loans | 3.5563% | 109 |
| Net loans and leases to total assets | 52.8900% | 3,421 |
| Net loans and leases to deposits | 66.4031% | 3,146 |
| Net loans and leases to core deposits | 75.3630% | 3,012 |
| Total domestic deposits to total assets | 79.6500% | 3,518 |
| Equity capital to assets | 5.4318% | 4,351 |
| Core capital (leverage) ratio | 7.4666% | 4,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1280% | 1,242 |
| Memoranda: | ||
| Average total assets | $53,589,600 | 4,279 |
| Average earning assets | $50,180,200 | 4,248 |
| Average equity | $2,886,800 | 4,436 |
| Average total loans | $28,550,400 | 4,161 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9087% | 3,987 |
| Cost of funding earning assets | 1.9610% | 760 |
| Net interest margin | 1.9477% | 4,459 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 3.3774% | 650 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | -0.9167% | 4,563 |
| Return on assets (ROA) | -0.9118% | 4,557 |
| Pretax return on assets | -0.9318% | 4,549 |
| Return on Equity (ROE) | -16.9600% | 4,566 |
| Retained earnings to average equity (ytd only) | -16.9625% | 4,543 |
| Net charge-offs to loans | -0.0047% | 3,733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 139.6694% | 52 |
| Assets per employee ($millions) | 4.5295% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4111% | 229 |
| Loan loss allowance to noncurrent loans | 67.0074% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.9796% | 146 |
| Noncurrent loans to loans | 3.5983% | 98 |
| Net loans and leases to total assets | 53.6900% | 3,384 |
| Net loans and leases to deposits | 66.6012% | 3,081 |
| Net loans and leases to core deposits | 75.4213% | 2,907 |
| Total domestic deposits to total assets | 80.6100% | 3,445 |
| Equity capital to assets | 4.6160% | 4,317 |
| Core capital (leverage) ratio | 7.9857% | 4,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5912% | 1,181 |
| Memoranda: | ||
| Average total assets | $53,372,750 | 4,300 |
| Average earning assets | $50,041,250 | 4,270 |
| Average equity | $2,869,000 | 4,455 |
| Average total loans | $28,306,750 | 4,180 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7900% | 4,029 |
| Cost of funding earning assets | 1.7041% | 878 |
| Net interest margin | 2.0859% | 4,463 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 3.3405% | 657 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -1.1272% | 4,602 |
| Return on assets (ROA) | -1.1198% | 4,598 |
| Pretax return on assets | -1.1424% | 4,593 |
| Return on Equity (ROE) | -19.7900% | 4,610 |
| Retained earnings to average equity (ytd only) | -19.7912% | 4,577 |
| Net charge-offs to loans | -0.0072% | 3,816 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 152.4957% | 39 |
| Assets per employee ($millions) | 4.5942% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4417% | 236 |
| Loan loss allowance to noncurrent loans | 64.6057% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 2.0243% | 135 |
| Noncurrent loans to loans | 3.7793% | 97 |
| Net loans and leases to total assets | 52.2500% | 3,392 |
| Net loans and leases to deposits | 64.7327% | 3,143 |
| Net loans and leases to core deposits | 73.5931% | 2,917 |
| Total domestic deposits to total assets | 80.7200% | 3,470 |
| Equity capital to assets | 5.1732% | 4,349 |
| Core capital (leverage) ratio | 8.1197% | 4,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3824% | 1,053 |
| Memoranda: | ||
| Average total assets | $53,045,667 | 4,325 |
| Average earning assets | $49,762,667 | 4,297 |
| Average equity | $3,001,333 | 4,476 |
| Average total loans | $27,774,667 | 4,201 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 4,104 |
| Cost of funding earning assets | 1.3740% | 1,080 |
| Net interest margin | 2.2736% | 4,464 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 3.3690% | 633 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.9689% | 4,618 |
| Return on assets (ROA) | -0.9538% | 4,609 |
| Pretax return on assets | -0.9769% | 4,602 |
| Return on Equity (ROE) | -16.1200% | 4,624 |
| Retained earnings to average equity (ytd only) | -16.1248% | 4,562 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 141.7476% | 47 |
| Assets per employee ($millions) | 4.5380% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4479% | 230 |
| Loan loss allowance to noncurrent loans | 61.0687% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 2.1651% | 104 |
| Noncurrent loans to loans | 4.0084% | 89 |
| Net loans and leases to total assets | 52.6900% | 3,300 |
| Net loans and leases to deposits | 61.0879% | 3,274 |
| Net loans and leases to core deposits | 68.5517% | 3,051 |
| Total domestic deposits to total assets | 86.2500% | 2,523 |
| Equity capital to assets | 5.8212% | 4,260 |
| Core capital (leverage) ratio | 8.6798% | 4,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1229% | 978 |
| Memoranda: | ||
| Average total assets | $52,003,500 | 4,396 |
| Average earning assets | $48,908,500 | 4,361 |
| Average equity | $3,076,000 | 4,529 |
| Average total loans | $26,897,500 | 4,268 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9681% | 4,169 |
| Cost of funding earning assets | 0.5370% | 1,176 |
| Net interest margin | 2.4310% | 4,343 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 3.3165% | 611 |
| Loan and lease loss provision to assets | -0.4700% | 4,690 |
| Net operating income to assets | -0.3373% | 4,626 |
| Return on assets (ROA) | -0.3301% | 4,615 |
| Pretax return on assets | -0.3529% | 4,611 |
| Return on Equity (ROE) | -4.6100% | 4,621 |
| Retained earnings to average equity (ytd only) | -4.6100% | 4,565 |
| Net charge-offs to loans | -0.0908% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 133.6391% | 53 |
| Assets per employee ($millions) | 4.1293% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9530% | 124 |
| Loan loss allowance to noncurrent loans | 59.4550% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 2.4439% | 79 |
| Noncurrent loans to loans | 4.9668% | 53 |
| Net loans and leases to total assets | 47.7500% | 3,685 |
| Net loans and leases to deposits | 52.3611% | 3,776 |
| Net loans and leases to core deposits | 58.6622% | 3,578 |
| Total domestic deposits to total assets | 91.2000% | 876 |
| Equity capital to assets | 6.0180% | 4,080 |
| Core capital (leverage) ratio | 9.0628% | 3,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2958% | 530 |
| Memoranda: | ||
| Average total assets | $52,706,800 | 4,412 |
| Average earning assets | $48,415,400 | 4,392 |
| Average equity | $3,774,400 | 4,550 |
| Average total loans | $22,020,800 | 4,379 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7631% | 4,230 |
| Cost of funding earning assets | 0.4161% | 1,185 |
| Net interest margin | 2.3470% | 4,373 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 3.2874% | 605 |
| Loan and lease loss provision to assets | -0.6200% | 4,737 |
| Net operating income to assets | -0.2358% | 4,651 |
| Return on assets (ROA) | -0.2268% | 4,631 |
| Pretax return on assets | -0.2517% | 4,622 |
| Return on Equity (ROE) | -3.0500% | 4,634 |
| Retained earnings to average equity (ytd only) | -3.0543% | 4,540 |
| Net charge-offs to loans | -0.0124% | 3,799 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 136.8257% | 50 |
| Assets per employee ($millions) | 4.2438% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0510% | 127 |
| Loan loss allowance to noncurrent loans | 57.6355% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 2.3918% | 94 |
| Noncurrent loans to loans | 5.2936% | 52 |
| Net loans and leases to total assets | 43.8000% | 3,885 |
| Net loans and leases to deposits | 47.2386% | 3,980 |
| Net loans and leases to core deposits | 52.3356% | 3,840 |
| Total domestic deposits to total assets | 92.7300% | 652 |
| Equity capital to assets | 5.1959% | 4,238 |
| Core capital (leverage) ratio | 8.9355% | 3,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3847% | 470 |
| Memoranda: | ||
| Average total assets | $53,495,750 | 4,435 |
| Average earning assets | $49,026,500 | 4,414 |
| Average equity | $3,972,500 | 4,578 |
| Average total loans | $21,430,500 | 4,419 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6683% | 4,186 |
| Cost of funding earning assets | 0.3501% | 1,259 |
| Net interest margin | 2.3182% | 4,320 |
| Noninterest income to average assets | 0.2502% | 3,676 |
| Noninterest expense to average assets | 3.2418% | 593 |
| Loan and lease loss provision to assets | -0.9199% | 4,762 |
| Net operating income to assets | 0.0699% | 4,541 |
| Return on assets (ROA) | 0.0773% | 4,496 |
| Pretax return on assets | 0.0552% | 4,514 |
| Return on Equity (ROE) | 0.9514% | 4,467 |
| Retained earnings to average equity (ytd only) | 0.9514% | 4,006 |
| Net charge-offs to loans | -0.0096% | 3,577 |
| Credit loss provision to net charge-offs | 25,000.0000% | 19 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.8012% | 51 |
| Assets per employee ($millions) | 4.4814% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1233% | 131 |
| Loan loss allowance to noncurrent loans | 61.2762% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 2.1273% | 118 |
| Noncurrent loans to loans | 5.0971% | 57 |
| Net loans and leases to total assets | 40.4318% | 4,056 |
| Net loans and leases to deposits | 44.2219% | 4,106 |
| Net loans and leases to core deposits | 49.5194% | 3,957 |
| Total domestic deposits to total assets | 91.4294% | 1,048 |
| Equity capital to assets | 6.6181% | 3,968 |
| Core capital (leverage) ratio | 9.0346% | 3,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8310% | 427 |
| Memoranda: | ||
| Average total assets | $54,352,667 | 4,469 |
| Average earning assets | $49,694,333 | 4,463 |
| Average equity | $4,414,667 | 4,579 |
| Average total loans | $20,904,333 | 4,487 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5312% | 4,227 |
| Cost of funding earning assets | 0.3284% | 1,391 |
| Net interest margin | 2.2028% | 4,345 |
| Noninterest income to average assets | 0.2196% | 3,841 |
| Noninterest expense to average assets | 3.3382% | 504 |
| Loan and lease loss provision to assets | -1.8301% | 4,793 |
| Net operating income to assets | 0.7467% | 2,868 |
| Return on assets (ROA) | 0.7540% | 2,832 |
| Pretax return on assets | 0.7321% | 3,301 |
| Return on Equity (ROE) | 8.5080% | 2,509 |
| Retained earnings to average equity (ytd only) | 8.5080% | 1,423 |
| Net charge-offs to loans | -0.0199% | 3,907 |
| Credit loss provision to net charge-offs | 25,000.0000% | 13 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.5082% | 40 |
| Assets per employee ($millions) | 4.5530% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4609% | 107 |
| Loan loss allowance to noncurrent loans | 56.4412% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 2.2732% | 115 |
| Noncurrent loans to loans | 6.1318% | 43 |
| Net loans and leases to total assets | 35.7896% | 4,225 |
| Net loans and leases to deposits | 39.6319% | 4,260 |
| Net loans and leases to core deposits | 44.7921% | 4,127 |
| Total domestic deposits to total assets | 90.3049% | 1,385 |
| Equity capital to assets | 7.7641% | 3,756 |
| Core capital (leverage) ratio | 9.1251% | 3,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5675% | 351 |
| Memoranda: | ||
| Average total assets | $54,640,500 | 4,491 |
| Average earning assets | $49,936,000 | 4,484 |
| Average equity | $4,842,500 | 4,577 |
| Average total loans | $20,134,500 | 4,519 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7035% | 2,104 |
| Cost of funding earning assets | 0.4306% | 1,327 |
| Net interest margin | 3.2729% | 2,396 |
| Noninterest income to average assets | 0.6564% | 1,919 |
| Noninterest expense to average assets | 3.5428% | 451 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0629% | 4,651 |
| Return on assets (ROA) | 0.1331% | 4,608 |
| Pretax return on assets | 0.1072% | 4,631 |
| Return on Equity (ROE) | 1.2919% | 4,577 |
| Retained earnings to average equity (ytd only) | 1.2919% | 4,176 |
| Net charge-offs to loans | -0.0262% | 4,075 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9669% | 158 |
| Assets per employee ($millions) | 4.2035% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7467% | 45 |
| Loan loss allowance to noncurrent loans | 76.4280% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 2.2747% | 126 |
| Noncurrent loans to loans | 6.2107% | 45 |
| Net loans and leases to total assets | 34.8870% | 4,336 |
| Net loans and leases to deposits | 39.5962% | 4,351 |
| Net loans and leases to core deposits | 44.8871% | 4,233 |
| Total domestic deposits to total assets | 88.1069% | 1,988 |
| Equity capital to assets | 9.9607% | 2,691 |
| Core capital (leverage) ratio | 9.4034% | 2,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7240% | 358 |
| Memoranda: | ||
| Average total assets | $54,081,800 | 4,518 |
| Average earning assets | $48,305,200 | 4,524 |
| Average equity | $5,573,400 | 4,574 |
| Average total loans | $22,943,000 | 4,513 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 1,607 |
| Cost of funding earning assets | 0.4614% | 1,280 |
| Net interest margin | 3.5104% | 1,838 |
| Noninterest income to average assets | 0.2991% | 3,648 |
| Noninterest expense to average assets | 3.4580% | 482 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.0099% | 4,745 |
| Return on assets (ROA) | 0.0840% | 4,719 |
| Pretax return on assets | 0.0569% | 4,731 |
| Return on Equity (ROE) | 0.8086% | 4,703 |
| Retained earnings to average equity (ytd only) | 0.8086% | 4,445 |
| Net charge-offs to loans | -0.0338% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0838% | 148 |
| Assets per employee ($millions) | 4.0466% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5326% | 49 |
| Loan loss allowance to noncurrent loans | 46.0233% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 4.0338% | 46 |
| Noncurrent loans to loans | 9.8486% | 20 |
| Net loans and leases to total assets | 37.9957% | 4,298 |
| Net loans and leases to deposits | 43.5137% | 4,328 |
| Net loans and leases to core deposits | 49.6411% | 4,162 |
| Total domestic deposits to total assets | 87.3189% | 2,204 |
| Equity capital to assets | 10.6604% | 2,306 |
| Core capital (leverage) ratio | 9.2451% | 3,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9604% | 429 |
| Memoranda: | ||
| Average total assets | $53,941,000 | 4,584 |
| Average earning assets | $47,970,500 | 4,594 |
| Average equity | $5,606,000 | 4,637 |
| Average total loans | $23,675,250 | 4,560 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 1,375 |
| Cost of funding earning assets | 0.4900% | 1,263 |
| Net interest margin | 3.5964% | 1,603 |
| Noninterest income to average assets | 0.3089% | 3,580 |
| Noninterest expense to average assets | 3.4053% | 531 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1140% | 4,697 |
| Return on assets (ROA) | 0.1545% | 4,685 |
| Pretax return on assets | 0.1287% | 4,714 |
| Return on Equity (ROE) | 1.4986% | 4,650 |
| Retained earnings to average equity (ytd only) | 1.4986% | 4,240 |
| Net charge-offs to loans | -0.1627% | 4,752 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4737% | 193 |
| Assets per employee ($millions) | 4.1722% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1140% | 64 |
| Loan loss allowance to noncurrent loans | 36.0239% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 5.0443% | 32 |
| Noncurrent loans to loans | 11.4203% | 17 |
| Net loans and leases to total assets | 41.4241% | 4,217 |
| Net loans and leases to deposits | 47.3599% | 4,254 |
| Net loans and leases to core deposits | 53.4482% | 4,052 |
| Total domestic deposits to total assets | 87.4666% | 2,112 |
| Equity capital to assets | 10.4611% | 2,423 |
| Core capital (leverage) ratio | 9.1534% | 3,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6158% | 507 |
| Memoranda: | ||
| Average total assets | $54,386,000 | 4,606 |
| Average earning assets | $48,158,667 | 4,619 |
| Average equity | $5,605,333 | 4,666 |
| Average total loans | $24,588,000 | 4,579 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 885 |
| Cost of funding earning assets | 0.5452% | 1,130 |
| Net interest margin | 3.8753% | 1,025 |
| Noninterest income to average assets | 0.2277% | 4,012 |
| Noninterest expense to average assets | 3.3860% | 534 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2644% | 4,569 |
| Return on assets (ROA) | 0.2791% | 4,574 |
| Pretax return on assets | 0.2497% | 4,644 |
| Return on Equity (ROE) | 2.7284% | 4,518 |
| Retained earnings to average equity (ytd only) | 2.7284% | 3,860 |
| Net charge-offs to loans | -1.2398% | 4,918 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5091% | 292 |
| Assets per employee ($millions) | 4.2236% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2889% | 63 |
| Loan loss allowance to noncurrent loans | 29.3089% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 6.4600% | 19 |
| Noncurrent loans to loans | 14.6334% | 8 |
| Net loans and leases to total assets | 41.5375% | 4,265 |
| Net loans and leases to deposits | 47.4424% | 4,283 |
| Net loans and leases to core deposits | 53.4435% | 4,123 |
| Total domestic deposits to total assets | 87.5535% | 2,066 |
| Equity capital to assets | 10.3520% | 2,390 |
| Core capital (leverage) ratio | 9.1392% | 3,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6512% | 468 |
| Memoranda: | ||
| Average total assets | $54,459,500 | 4,624 |
| Average earning assets | $47,687,000 | 4,645 |
| Average equity | $5,571,000 | 4,687 |
| Average total loans | $25,166,000 | 4,590 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0278% | 2,649 |
| Cost of funding earning assets | 0.9300% | 768 |
| Net interest margin | 3.0978% | 3,631 |
| Noninterest income to average assets | 0.3721% | 3,254 |
| Noninterest expense to average assets | 3.3735% | 818 |
| Loan and lease loss provision to assets | 0.1403% | 2,603 |
| Net operating income to assets | -0.3474% | 4,850 |
| Return on assets (ROA) | -0.3422% | 4,865 |
| Pretax return on assets | -0.3703% | 4,856 |
| Return on Equity (ROE) | -3.3168% | 4,875 |
| Retained earnings to average equity (ytd only) | -3.6249% | 4,800 |
| Net charge-offs to loans | 0.0405% | 2,250 |
| Credit loss provision to net charge-offs | 576.9231% | 1,135 |
| Earnings coverage of net charge-offs (x) | -9.6923% | 3,402 |
| Efficiency ratio | 107.5089% | 129 |
| Assets per employee ($millions) | 4.1535% | 4,251 |
| Cash dividends to net income (ytd only)* | -9.2896% | 4,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5619% | 87 |
| Loan loss allowance to noncurrent loans | 20.0851% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 8.8156% | 7 |
| Noncurrent loans to loans | 17.7338% | 4 |
| Net loans and leases to total assets | 47.3359% | 4,021 |
| Net loans and leases to deposits | 53.8629% | 4,116 |
| Net loans and leases to core deposits | 63.3417% | 3,743 |
| Total domestic deposits to total assets | 87.8822% | 1,539 |
| Equity capital to assets | 10.0769% | 3,055 |
| Core capital (leverage) ratio | 8.5985% | 4,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0789% | 892 |
| Memoranda: | ||
| Average total assets | $53,475,200 | 4,606 |
| Average earning assets | $47,743,600 | 4,619 |
| Average equity | $5,517,400 | 4,696 |
| Average total loans | $32,125,000 | 4,476 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0981% | 2,675 |
| Cost of funding earning assets | 0.9843% | 801 |
| Net interest margin | 3.1138% | 3,710 |
| Noninterest income to average assets | 0.3499% | 3,369 |
| Noninterest expense to average assets | 3.3067% | 901 |
| Loan and lease loss provision to assets | 0.1875% | 2,107 |
| Net operating income to assets | -0.3067% | 4,860 |
| Return on assets (ROA) | -0.2999% | 4,867 |
| Pretax return on assets | -0.3299% | 4,865 |
| Return on Equity (ROE) | -2.8898% | 4,881 |
| Retained earnings to average equity (ytd only) | -2.8898% | 4,767 |
| Net charge-offs to loans | 0.0517% | 1,864 |
| Credit loss provision to net charge-offs | 576.9231% | 1,182 |
| Earnings coverage of net charge-offs (x) | -4.6154% | 3,187 |
| Efficiency ratio | 104.7506% | 136 |
| Assets per employee ($millions) | 4.1444% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9856% | 138 |
| Loan loss allowance to noncurrent loans | 14.3902% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 12.2872% | 7 |
| Noncurrent loans to loans | 20.7477% | 5 |
| Net loans and leases to total assets | 56.9334% | 3,532 |
| Net loans and leases to deposits | 64.9295% | 3,711 |
| Net loans and leases to core deposits | 76.4537% | 3,132 |
| Total domestic deposits to total assets | 87.6849% | 1,350 |
| Equity capital to assets | 10.2697% | 2,990 |
| Core capital (leverage) ratio | 8.8749% | 3,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2760% | 1,427 |
| Memoranda: | ||
| Average total assets | $53,345,250 | 4,628 |
| Average earning assets | $48,086,500 | 4,635 |
| Average equity | $5,536,500 | 4,716 |
| Average total loans | $33,530,500 | 4,472 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 1,931 |
| Cost of funding earning assets | 1.0515% | 833 |
| Net interest margin | 3.4434% | 2,964 |
| Noninterest income to average assets | 0.4063% | 3,039 |
| Noninterest expense to average assets | 3.3479% | 926 |
| Loan and lease loss provision to assets | 0.2821% | 1,522 |
| Net operating income to assets | -0.1000% | 4,829 |
| Return on assets (ROA) | -0.0940% | 4,831 |
| Pretax return on assets | -0.1241% | 4,829 |
| Return on Equity (ROE) | -0.9029% | 4,840 |
| Retained earnings to average equity (ytd only) | -0.9029% | 4,465 |
| Net charge-offs to loans | -0.0644% | 4,744 |
| Credit loss provision to net charge-offs | -681.8182% | 3,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6989% | 250 |
| Assets per employee ($millions) | 4.4550% | 3,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9210% | 145 |
| Loan loss allowance to noncurrent loans | 14.4499% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 12.6431% | 8 |
| Noncurrent loans to loans | 20.2149% | 7 |
| Net loans and leases to total assets | 60.1777% | 3,300 |
| Net loans and leases to deposits | 69.3490% | 3,473 |
| Net loans and leases to core deposits | 81.3488% | 2,834 |
| Total domestic deposits to total assets | 86.7752% | 1,707 |
| Equity capital to assets | 10.5612% | 2,700 |
| Core capital (leverage) ratio | 8.9124% | 3,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5333% | 1,621 |
| Memoranda: | ||
| Average total assets | $53,168,000 | 4,645 |
| Average earning assets | $47,743,000 | 4,656 |
| Average equity | $5,537,667 | 4,742 |
| Average total loans | $34,168,000 | 4,474 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6532% | 1,839 |
| Cost of funding earning assets | 1.1508% | 906 |
| Net interest margin | 3.5024% | 2,978 |
| Noninterest income to average assets | 0.2037% | 4,332 |
| Noninterest expense to average assets | 3.4703% | 978 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.0663% | 4,784 |
| Return on assets (ROA) | -0.0604% | 4,768 |
| Pretax return on assets | -0.0905% | 4,770 |
| Return on Equity (ROE) | -0.5836% | 4,780 |
| Retained earnings to average equity (ytd only) | -0.5836% | 4,090 |
| Net charge-offs to loans | -0.0115% | 4,121 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9083% | 206 |
| Assets per employee ($millions) | 4.1169% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5771% | 222 |
| Loan loss allowance to noncurrent loans | 11.5864% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 14.2395% | 8 |
| Noncurrent loans to loans | 22.2427% | 6 |
| Net loans and leases to total assets | 62.3692% | 3,260 |
| Net loans and leases to deposits | 71.6401% | 3,463 |
| Net loans and leases to core deposits | 83.1196% | 2,926 |
| Total domestic deposits to total assets | 87.0590% | 1,529 |
| Equity capital to assets | 10.3102% | 3,513 |
| Core capital (leverage) ratio | 8.6370% | 4,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6028% | 2,038 |
| Memoranda: | ||
| Average total assets | $53,022,000 | 4,667 |
| Average earning assets | $47,966,500 | 4,677 |
| Average equity | $5,483,500 | 4,785 |
| Average total loans | $34,682,500 | 4,480 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8462% | 1,904 |
| Cost of funding earning assets | 1.1663% | 1,105 |
| Net interest margin | 3.6799% | 2,873 |
| Noninterest income to average assets | 0.2830% | 3,993 |
| Noninterest expense to average assets | 3.1990% | 1,521 |
| Loan and lease loss provision to assets | 2.3988% | 32 |
| Net operating income to assets | -1.9290% | 5,130 |
| Return on assets (ROA) | -1.8647% | 5,129 |
| Pretax return on assets | -1.8966% | 5,127 |
| Return on Equity (ROE) | -18.7488% | 5,149 |
| Retained earnings to average equity (ytd only) | -19.1068% | 5,132 |
| Net charge-offs to loans | 2.5909% | 44 |
| Credit loss provision to net charge-offs | 137.3391% | 1,874 |
| Earnings coverage of net charge-offs (x) | 0.2500% | 3,625 |
| Efficiency ratio | 87.9897% | 441 |
| Assets per employee ($millions) | 4.0595% | 3,834 |
| Cash dividends to net income (ytd only)* | -1.9095% | 5,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7099% | 169 |
| Loan loss allowance to noncurrent loans | 28.1250% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 6.4275% | 32 |
| Noncurrent loans to loans | 9.6353% | 27 |
| Net loans and leases to total assets | 64.9006% | 3,087 |
| Net loans and leases to deposits | 75.0011% | 3,259 |
| Net loans and leases to core deposits | 85.3412% | 2,843 |
| Total domestic deposits to total assets | 86.5329% | 1,831 |
| Equity capital to assets | 10.7972% | 3,184 |
| Core capital (leverage) ratio | 9.4853% | 4,081 |
| Tier 1 risk-based capital ratio | 14.5563% | 2,989 |
| Total risk-based capital ratio | 15.8237% | 2,883 |
| Memoranda: | ||
| Average total assets | $53,360,000 | 4,690 |
| Average earning assets | $48,615,600 | 4,698 |
| Average equity | $5,307,000 | 4,847 |
| Average total loans | $35,972,400 | 4,501 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8847% | 1,860 |
| Cost of funding earning assets | 1.1680% | 1,121 |
| Net interest margin | 3.7168% | 2,864 |
| Noninterest income to average assets | 0.3040% | 3,922 |
| Noninterest expense to average assets | 3.0849% | 1,746 |
| Loan and lease loss provision to assets | 3.1895% | 23 |
| Net operating income to assets | -2.5433% | 5,221 |
| Return on assets (ROA) | -2.4569% | 5,218 |
| Pretax return on assets | -2.4893% | 5,215 |
| Return on Equity (ROE) | -25.2365% | 5,236 |
| Retained earnings to average equity (ytd only) | -25.2365% | 5,222 |
| Net charge-offs to loans | 3.4324% | 32 |
| Credit loss provision to net charge-offs | 137.4866% | 1,748 |
| Earnings coverage of net charge-offs (x) | 0.2642% | 3,369 |
| Efficiency ratio | 83.4232% | 652 |
| Assets per employee ($millions) | 4.0508% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6744% | 178 |
| Loan loss allowance to noncurrent loans | 27.6411% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 6.5608% | 39 |
| Noncurrent loans to loans | 9.6754% | 31 |
| Net loans and leases to total assets | 65.9957% | 3,048 |
| Net loans and leases to deposits | 75.3001% | 3,363 |
| Net loans and leases to core deposits | 84.2480% | 3,072 |
| Total domestic deposits to total assets | 87.6436% | 1,195 |
| Equity capital to assets | 9.7112% | 4,283 |
| Core capital (leverage) ratio | 8.2766% | 5,040 |
| Tier 1 risk-based capital ratio | 12.7075% | 4,029 |
| Total risk-based capital ratio | 13.9760% | 3,890 |
| Memoranda: | ||
| Average total assets | $53,506,750 | 4,759 |
| Average earning assets | $48,858,500 | 4,763 |
| Average equity | $5,209,250 | 4,922 |
| Average total loans | $36,164,500 | 4,556 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9320% | 1,660 |
| Cost of funding earning assets | 1.1285% | 1,202 |
| Net interest margin | 3.8036% | 2,580 |
| Noninterest income to average assets | 0.3161% | 3,817 |
| Noninterest expense to average assets | 3.0638% | 1,825 |
| Loan and lease loss provision to assets | 4.7594% | 11 |
| Net operating income to assets | -3.9884% | 5,282 |
| Return on assets (ROA) | -3.8633% | 5,282 |
| Pretax return on assets | -3.8967% | 5,282 |
| Return on Equity (ROE) | -39.6489% | 5,294 |
| Retained earnings to average equity (ytd only) | -39.6489% | 5,284 |
| Net charge-offs to loans | 5.1272% | 14 |
| Credit loss provision to net charge-offs | 137.4866% | 1,593 |
| Earnings coverage of net charge-offs (x) | 0.2127% | 3,097 |
| Efficiency ratio | 80.6262% | 916 |
| Assets per employee ($millions) | 4.1498% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6323% | 188 |
| Loan loss allowance to noncurrent loans | 27.6411% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 6.4043% | 46 |
| Noncurrent loans to loans | 9.5232% | 33 |
| Net loans and leases to total assets | 65.4797% | 3,167 |
| Net loans and leases to deposits | 74.3841% | 3,491 |
| Net loans and leases to core deposits | 81.7009% | 3,285 |
| Total domestic deposits to total assets | 88.0292% | 1,091 |
| Equity capital to assets | 9.3572% | 4,535 |
| Core capital (leverage) ratio | 8.1011% | 5,137 |
| Tier 1 risk-based capital ratio | 12.2396% | 4,273 |
| Total risk-based capital ratio | 13.5075% | 4,129 |
| Memoranda: | ||
| Average total assets | $53,788,670 | 4,792 |
| Average earning assets | $49,269,670 | 4,784 |
| Average equity | $5,241,000 | 4,956 |
| Average total loans | $36,316,330 | 4,585 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0903% | 1,112 |
| Cost of funding earning assets | 1.1000% | 1,184 |
| Net interest margin | 3.9904% | 1,873 |
| Noninterest income to average assets | 0.1978% | 4,573 |
| Noninterest expense to average assets | 2.9964% | 2,002 |
| Loan and lease loss provision to assets | 0.1099% | 1,623 |
| Net operating income to assets | 0.7619% | 3,743 |
| Return on assets (ROA) | 1.0037% | 2,866 |
| Pretax return on assets | 0.9744% | 3,522 |
| Return on Equity (ROE) | 8.8011% | 2,898 |
| Retained earnings to average equity (ytd only) | 8.8011% | 1,385 |
| Net charge-offs to loans | 0.0652% | 1,393 |
| Credit loss provision to net charge-offs | 250.0000% | 918 |
| Earnings coverage of net charge-offs (x) | 19.1667% | 1,599 |
| Efficiency ratio | 78.0534% | 1,260 |
| Assets per employee ($millions) | 4.2752% | 3,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 865 |
| Loan loss allowance to noncurrent loans | 442.4460% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3329% | 3,270 |
| Noncurrent loans to loans | 0.3835% | 3,213 |
| Net loans and leases to total assets | 64.1135% | 3,273 |
| Net loans and leases to deposits | 74.4837% | 3,407 |
| Net loans and leases to core deposits | 81.7383% | 3,203 |
| Total domestic deposits to total assets | 86.0772% | 2,245 |
| Equity capital to assets | 11.4092% | 2,482 |
| Core capital (leverage) ratio | 10.5317% | 3,015 |
| Tier 1 risk-based capital ratio | 16.4721% | 2,278 |
| Total risk-based capital ratio | 17.7286% | 2,220 |
| Memoranda: | ||
| Average total assets | $54,598,000 | 4,830 |
| Average earning assets | $49,820,000 | 4,829 |
| Average equity | $6,226,500 | 4,860 |
| Average total loans | $36,797,000 | 4,625 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7544% | 1,663 |
| Cost of funding earning assets | 0.8851% | 1,151 |
| Net interest margin | 3.8693% | 2,431 |
| Noninterest income to average assets | 0.1093% | 5,124 |
| Noninterest expense to average assets | 2.9581% | 2,172 |
| Loan and lease loss provision to assets | 0.1093% | 2,014 |
| Net operating income to assets | 0.5100% | 4,643 |
| Return on assets (ROA) | 0.5100% | 4,640 |
| Pretax return on assets | 0.5137% | 4,778 |
| Return on Equity (ROE) | 4.6893% | 4,530 |
| Retained earnings to average equity (ytd only) | 4.3376% | 3,156 |
| Net charge-offs to loans | -0.0137% | 4,586 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6043% | 734 |
| Assets per employee ($millions) | 4.1245% | 3,712 |
| Cash dividends to net income (ytd only)* | 7.5000% | 3,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6227% | 980 |
| Loan loss allowance to noncurrent loans | 324.0642% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 2,831 |
| Noncurrent loans to loans | 0.5007% | 2,772 |
| Net loans and leases to total assets | 68.5218% | 2,803 |
| Net loans and leases to deposits | 79.6808% | 2,992 |
| Net loans and leases to core deposits | 87.7226% | 2,772 |
| Total domestic deposits to total assets | 85.9954% | 2,229 |
| Equity capital to assets | 11.3992% | 2,332 |
| Core capital (leverage) ratio | 10.2812% | 3,269 |
| Tier 1 risk-based capital ratio | 15.8427% | 2,472 |
| Total risk-based capital ratio | 17.0978% | 2,396 |
| Memoranda: | ||
| Average total assets | $54,900,000 | 4,861 |
| Average earning assets | $49,259,800 | 4,872 |
| Average equity | $5,971,000 | 4,906 |
| Average total loans | $36,471,400 | 4,644 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6670% | 1,774 |
| Cost of funding earning assets | 0.8309% | 1,189 |
| Net interest margin | 3.8361% | 2,507 |
| Noninterest income to average assets | 0.0748% | 5,283 |
| Noninterest expense to average assets | 2.8201% | 2,573 |
| Loan and lease loss provision to assets | 0.1087% | 1,847 |
| Net operating income to assets | 0.5771% | 4,565 |
| Return on assets (ROA) | 0.5771% | 4,571 |
| Pretax return on assets | 0.5795% | 4,761 |
| Return on Equity (ROE) | 5.3685% | 4,455 |
| Retained earnings to average equity (ytd only) | 5.3685% | 3,020 |
| Net charge-offs to loans | -0.0184% | 4,603 |
| Credit loss provision to net charge-offs | -900.0000% | 4,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3854% | 909 |
| Assets per employee ($millions) | 4.1911% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6177% | 1,032 |
| Loan loss allowance to noncurrent loans | 316.0428% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.4276% | 2,981 |
| Noncurrent loans to loans | 0.5119% | 2,849 |
| Net loans and leases to total assets | 65.9680% | 3,181 |
| Net loans and leases to deposits | 76.3748% | 3,384 |
| Net loans and leases to core deposits | 83.8982% | 3,161 |
| Total domestic deposits to total assets | 86.3740% | 2,026 |
| Equity capital to assets | 11.0620% | 2,604 |
| Core capital (leverage) ratio | 10.0767% | 3,550 |
| Tier 1 risk-based capital ratio | 15.8335% | 2,512 |
| Total risk-based capital ratio | 17.0868% | 2,447 |
| Memoranda: | ||
| Average total assets | $55,220,500 | 4,906 |
| Average earning assets | $49,424,000 | 4,916 |
| Average equity | $5,935,750 | 4,960 |
| Average total loans | $36,252,750 | 4,701 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5221% | 2,020 |
| Cost of funding earning assets | 0.7847% | 1,203 |
| Net interest margin | 3.7374% | 2,798 |
| Noninterest income to average assets | 0.0036% | 5,482 |
| Noninterest expense to average assets | 2.7512% | 2,843 |
| Loan and lease loss provision to assets | 0.1082% | 1,813 |
| Net operating income to assets | 0.4724% | 4,816 |
| Return on assets (ROA) | 0.4724% | 4,820 |
| Pretax return on assets | 0.4760% | 4,942 |
| Return on Equity (ROE) | 4.4367% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.4367% | 3,377 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4865% | 802 |
| Assets per employee ($millions) | 4.3051% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 1,257 |
| Loan loss allowance to noncurrent loans | 241.9492% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.4217% | 3,037 |
| Noncurrent loans to loans | 0.6385% | 2,515 |
| Net loans and leases to total assets | 65.0180% | 3,272 |
| Net loans and leases to deposits | 74.8093% | 3,457 |
| Net loans and leases to core deposits | 82.2941% | 3,219 |
| Total domestic deposits to total assets | 86.9117% | 1,876 |
| Equity capital to assets | 10.6100% | 3,018 |
| Core capital (leverage) ratio | 9.9989% | 3,582 |
| Tier 1 risk-based capital ratio | 15.2186% | 2,773 |
| Total risk-based capital ratio | 16.4722% | 2,697 |
| Memoranda: | ||
| Average total assets | $55,466,000 | 4,952 |
| Average earning assets | $49,446,330 | 4,978 |
| Average equity | $5,905,330 | 5,016 |
| Average total loans | $36,159,330 | 4,750 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4525% | 2,016 |
| Cost of funding earning assets | 0.7598% | 1,140 |
| Net interest margin | 3.6927% | 2,827 |
| Noninterest income to average assets | 0.2028% | 4,814 |
| Noninterest expense to average assets | 2.6731% | 3,126 |
| Loan and lease loss provision to assets | 0.1087% | 1,721 |
| Net operating income to assets | 0.6882% | 4,142 |
| Return on assets (ROA) | 0.6882% | 4,145 |
| Pretax return on assets | 0.6955% | 4,453 |
| Return on Equity (ROE) | 6.4527% | 4,005 |
| Retained earnings to average equity (ytd only) | 6.4527% | 2,527 |
| Net charge-offs to loans | -0.0112% | 4,291 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8750% | 1,478 |
| Assets per employee ($millions) | 4.3024% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 1,316 |
| Loan loss allowance to noncurrent loans | 233.0544% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.9226% | 1,716 |
| Noncurrent loans to loans | 0.6617% | 2,568 |
| Net loans and leases to total assets | 63.5819% | 3,362 |
| Net loans and leases to deposits | 73.0796% | 3,508 |
| Net loans and leases to core deposits | 80.3770% | 3,294 |
| Total domestic deposits to total assets | 87.0036% | 2,121 |
| Equity capital to assets | 10.5451% | 3,029 |
| Core capital (leverage) ratio | 9.8641% | 3,696 |
| Tier 1 risk-based capital ratio | 15.4882% | 2,666 |
| Total risk-based capital ratio | 16.7410% | 2,606 |
| Memoranda: | ||
| Average total assets | $55,216,000 | 5,013 |
| Average earning assets | $48,961,000 | 5,045 |
| Average equity | $5,889,000 | 5,072 |
| Average total loans | $35,759,500 | 4,805 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3027% | 2,320 |
| Cost of funding earning assets | 0.6785% | 1,141 |
| Net interest margin | 3.6242% | 3,089 |
| Noninterest income to average assets | 0.2051% | 4,915 |
| Noninterest expense to average assets | 3.0839% | 1,903 |
| Loan and lease loss provision to assets | 0.1089% | 2,066 |
| Net operating income to assets | 0.3031% | 4,922 |
| Return on assets (ROA) | 0.3031% | 4,938 |
| Pretax return on assets | 0.2795% | 5,226 |
| Return on Equity (ROE) | 2.8406% | 4,881 |
| Retained earnings to average equity (ytd only) | 2.4664% | 3,857 |
| Net charge-offs to loans | 0.0542% | 2,723 |
| Credit loss provision to net charge-offs | 315.7895% | 908 |
| Earnings coverage of net charge-offs (x) | 11.2632% | 2,585 |
| Efficiency ratio | 88.8134% | 484 |
| Assets per employee ($millions) | 4.1924% | 3,668 |
| Cash dividends to net income (ytd only)* | 13.1737% | 3,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5282% | 1,313 |
| Loan loss allowance to noncurrent loans | 220.8163% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.9578% | 1,618 |
| Noncurrent loans to loans | 0.6921% | 2,484 |
| Net loans and leases to total assets | 63.9603% | 3,372 |
| Net loans and leases to deposits | 73.7788% | 3,537 |
| Net loans and leases to core deposits | 82.1449% | 3,233 |
| Total domestic deposits to total assets | 86.6920% | 2,155 |
| Equity capital to assets | 10.7888% | 2,851 |
| Core capital (leverage) ratio | 9.7609% | 3,735 |
| Tier 1 risk-based capital ratio | 15.7971% | 2,516 |
| Total risk-based capital ratio | 17.0502% | 2,455 |
| Memoranda: | ||
| Average total assets | $55,092,400 | 5,061 |
| Average earning assets | $49,666,600 | 5,069 |
| Average equity | $5,879,000 | 5,118 |
| Average total loans | $35,058,200 | 4,869 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2238% | 2,536 |
| Cost of funding earning assets | 0.6631% | 1,160 |
| Net interest margin | 3.5607% | 3,289 |
| Noninterest income to average assets | 0.2052% | 4,978 |
| Noninterest expense to average assets | 3.0436% | 1,982 |
| Loan and lease loss provision to assets | 0.1086% | 1,962 |
| Net operating income to assets | 0.3041% | 5,208 |
| Return on assets (ROA) | 0.3041% | 5,227 |
| Pretax return on assets | 0.2800% | 5,324 |
| Return on Equity (ROE) | 2.8578% | 5,144 |
| Retained earnings to average equity (ytd only) | 2.3587% | 4,472 |
| Net charge-offs to loans | 0.0724% | 2,096 |
| Credit loss provision to net charge-offs | 236.8421% | 1,177 |
| Earnings coverage of net charge-offs (x) | 8.4745% | 2,779 |
| Efficiency ratio | 88.6779% | 469 |
| Assets per employee ($millions) | 4.2203% | 3,611 |
| Cash dividends to net income (ytd only)* | 17.4583% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 1,683 |
| Loan loss allowance to noncurrent loans | 233.7778% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.9150% | 1,868 |
| Noncurrent loans to loans | 0.6225% | 2,841 |
| Net loans and leases to total assets | 64.9169% | 3,261 |
| Net loans and leases to deposits | 74.9101% | 3,482 |
| Net loans and leases to core deposits | 83.3298% | 3,188 |
| Total domestic deposits to total assets | 86.6597% | 2,017 |
| Equity capital to assets | 10.8304% | 3,035 |
| Core capital (leverage) ratio | 9.6944% | 3,944 |
| Tier 1 risk-based capital ratio | 15.3174% | 2,786 |
| Total risk-based capital ratio | 16.5709% | 2,724 |
| Memoranda: | ||
| Average total assets | $55,240,250 | 5,116 |
| Average earning assets | $50,063,750 | 5,118 |
| Average equity | $5,878,750 | 5,173 |
| Average total loans | $34,972,750 | 4,919 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2053% | 2,453 |
| Cost of funding earning assets | 0.6479% | 1,154 |
| Net interest margin | 3.5574% | 3,192 |
| Noninterest income to average assets | 0.1951% | 5,071 |
| Noninterest expense to average assets | 2.7562% | 2,899 |
| Loan and lease loss provision to assets | 0.1084% | 1,879 |
| Net operating income to assets | 0.5888% | 4,354 |
| Return on assets (ROA) | 0.5888% | 4,406 |
| Pretax return on assets | 0.5635% | 4,874 |
| Return on Equity (ROE) | 5.5654% | 4,239 |
| Retained earnings to average equity (ytd only) | 4.8142% | 2,837 |
| Net charge-offs to loans | -0.0173% | 4,721 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4004% | 1,170 |
| Assets per employee ($millions) | 4.2481% | 3,522 |
| Cash dividends to net income (ytd only)* | 13.4969% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 1,404 |
| Loan loss allowance to noncurrent loans | 440.4959% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.9181% | 1,917 |
| Noncurrent loans to loans | 0.3514% | 3,774 |
| Net loans and leases to total assets | 61.3798% | 3,705 |
| Net loans and leases to deposits | 70.8283% | 3,843 |
| Net loans and leases to core deposits | 79.0840% | 3,499 |
| Total domestic deposits to total assets | 86.6600% | 2,106 |
| Equity capital to assets | 10.8483% | 2,966 |
| Core capital (leverage) ratio | 9.8428% | 3,725 |
| Tier 1 risk-based capital ratio | 15.5931% | 2,670 |
| Total risk-based capital ratio | 16.8456% | 2,598 |
| Memoranda: | ||
| Average total assets | $55,365,670 | 5,150 |
| Average earning assets | $50,317,330 | 5,154 |
| Average equity | $5,857,670 | 5,212 |
| Average total loans | $34,583,000 | 4,965 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1740% | 2,366 |
| Cost of funding earning assets | 0.6336% | 1,167 |
| Net interest margin | 3.5403% | 3,119 |
| Noninterest income to average assets | 0.1948% | 5,100 |
| Noninterest expense to average assets | 2.6914% | 3,178 |
| Loan and lease loss provision to assets | 0.1082% | 1,762 |
| Net operating income to assets | 0.6422% | 3,964 |
| Return on assets (ROA) | 0.6422% | 4,002 |
| Pretax return on assets | 0.6205% | 4,683 |
| Return on Equity (ROE) | 6.1475% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.1475% | 2,257 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6920% | 1,532 |
| Assets per employee ($millions) | 4.2730% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4987% | 1,692 |
| Loan loss allowance to noncurrent loans | 418.6992% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.9163% | 2,019 |
| Noncurrent loans to loans | 0.3579% | 3,808 |
| Net loans and leases to total assets | 60.9354% | 3,676 |
| Net loans and leases to deposits | 70.0619% | 3,791 |
| Net loans and leases to core deposits | 76.5468% | 3,603 |
| Total domestic deposits to total assets | 86.9737% | 2,226 |
| Equity capital to assets | 10.5600% | 3,123 |
| Core capital (leverage) ratio | 9.4914% | 4,131 |
| Tier 1 risk-based capital ratio | 15.0404% | 2,948 |
| Total risk-based capital ratio | 16.2919% | 2,878 |
| Memoranda: | ||
| Average total assets | $55,436,000 | 5,203 |
| Average earning assets | $50,503,500 | 5,199 |
| Average equity | $5,791,000 | 5,268 |
| Average total loans | $34,659,500 | 5,011 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3586% | 1,959 |
| Cost of funding earning assets | 0.6068% | 1,293 |
| Net interest margin | 3.7518% | 2,495 |
| Noninterest income to average assets | 0.2138% | 5,137 |
| Noninterest expense to average assets | 2.9341% | 2,549 |
| Loan and lease loss provision to assets | 0.0446% | 3,494 |
| Net operating income to assets | 0.6378% | 4,054 |
| Return on assets (ROA) | 0.7214% | 3,798 |
| Pretax return on assets | 0.7103% | 4,456 |
| Return on Equity (ROE) | 6.8204% | 3,568 |
| Retained earnings to average equity (ytd only) | 6.3985% | 1,498 |
| Net charge-offs to loans | 0.0551% | 2,939 |
| Credit loss provision to net charge-offs | 126.3158% | 2,115 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,936 |
| Efficiency ratio | 81.3822% | 1,272 |
| Assets per employee ($millions) | 4.2556% | 3,518 |
| Cash dividends to net income (ytd only)* | 6.1856% | 4,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 1,958 |
| Loan loss allowance to noncurrent loans | 396.8254% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.9255% | 2,048 |
| Noncurrent loans to loans | 0.3605% | 3,838 |
| Net loans and leases to total assets | 62.2797% | 3,573 |
| Net loans and leases to deposits | 71.4315% | 3,765 |
| Net loans and leases to core deposits | 79.0107% | 3,478 |
| Total domestic deposits to total assets | 87.1880% | 2,034 |
| Equity capital to assets | 10.3320% | 3,348 |
| Core capital (leverage) ratio | 9.5302% | 4,045 |
| Tier 1 risk-based capital ratio | 14.8353% | 3,034 |
| Total risk-based capital ratio | 16.0881% | 2,972 |
| Memoranda: | ||
| Average total assets | $53,782,000 | 5,269 |
| Average earning assets | $48,617,000 | 5,272 |
| Average equity | $5,688,800 | 5,333 |
| Average total loans | $34,482,600 | 5,053 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 1,882 |
| Cost of funding earning assets | 0.6057% | 1,280 |
| Net interest margin | 3.7862% | 2,384 |
| Noninterest income to average assets | 0.2172% | 5,166 |
| Noninterest expense to average assets | 2.9115% | 2,610 |
| Loan and lease loss provision to assets | 0.0449% | 3,341 |
| Net operating income to assets | 0.6917% | 3,899 |
| Return on assets (ROA) | 0.8040% | 3,486 |
| Pretax return on assets | 0.7915% | 4,332 |
| Return on Equity (ROE) | 7.5558% | 3,263 |
| Retained earnings to average equity (ytd only) | 6.9926% | 1,634 |
| Net charge-offs to loans | 0.0078% | 3,651 |
| Credit loss provision to net charge-offs | 900.0000% | 447 |
| Earnings coverage of net charge-offs (x) | 144.8165% | 480 |
| Efficiency ratio | 80.0824% | 1,429 |
| Assets per employee ($millions) | 3.8799% | 4,162 |
| Cash dividends to net income (ytd only)* | 7.4536% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 1,880 |
| Loan loss allowance to noncurrent loans | 460.3604% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.9150% | 2,268 |
| Noncurrent loans to loans | 0.3196% | 4,107 |
| Net loans and leases to total assets | 62.9902% | 3,528 |
| Net loans and leases to deposits | 72.6850% | 3,734 |
| Net loans and leases to core deposits | 81.0820% | 3,349 |
| Total domestic deposits to total assets | 86.6619% | 2,052 |
| Equity capital to assets | 10.7644% | 3,293 |
| Core capital (leverage) ratio | 9.5568% | 4,106 |
| Tier 1 risk-based capital ratio | 14.8430% | 3,127 |
| Total risk-based capital ratio | 16.0949% | 3,060 |
| Memoranda: | ||
| Average total assets | $53,396,750 | 5,335 |
| Average earning assets | $48,209,250 | 5,335 |
| Average equity | $5,682,000 | 5,389 |
| Average total loans | $34,364,500 | 5,105 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3588% | 1,954 |
| Cost of funding earning assets | 0.6012% | 1,306 |
| Net interest margin | 3.7576% | 2,487 |
| Noninterest income to average assets | 0.2147% | 5,203 |
| Noninterest expense to average assets | 2.8781% | 2,750 |
| Loan and lease loss provision to assets | 0.0452% | 3,245 |
| Net operating income to assets | 0.6932% | 3,824 |
| Return on assets (ROA) | 0.8627% | 3,154 |
| Pretax return on assets | 0.8514% | 4,117 |
| Return on Equity (ROE) | 8.1393% | 2,920 |
| Retained earnings to average equity (ytd only) | 7.2863% | 1,477 |
| Net charge-offs to loans | 0.1168% | 1,666 |
| Credit loss provision to net charge-offs | 60.0000% | 2,574 |
| Earnings coverage of net charge-offs (x) | 9.6500% | 2,397 |
| Efficiency ratio | 79.8328% | 1,511 |
| Assets per employee ($millions) | 3.8342% | 4,203 |
| Cash dividends to net income (ytd only)* | 10.4803% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 2,367 |
| Loan loss allowance to noncurrent loans | 419.8276% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 1.0265% | 2,082 |
| Noncurrent loans to loans | 0.3295% | 4,185 |
| Net loans and leases to total assets | 64.6733% | 3,270 |
| Net loans and leases to deposits | 74.6356% | 3,515 |
| Net loans and leases to core deposits | 82.6571% | 3,214 |
| Total domestic deposits to total assets | 86.6521% | 2,082 |
| Equity capital to assets | 10.7603% | 3,334 |
| Core capital (leverage) ratio | 9.5384% | 4,152 |
| Tier 1 risk-based capital ratio | 14.5290% | 3,306 |
| Total risk-based capital ratio | 15.7800% | 3,233 |
| Memoranda: | ||
| Average total assets | $53,089,670 | 5,398 |
| Average earning assets | $47,903,330 | 5,399 |
| Average equity | $5,627,000 | 5,454 |
| Average total loans | $34,244,000 | 5,168 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3822% | 1,852 |
| Cost of funding earning assets | 0.6044% | 1,306 |
| Net interest margin | 3.7778% | 2,379 |
| Noninterest income to average assets | 0.2576% | 4,890 |
| Noninterest expense to average assets | 2.8336% | 2,941 |
| Loan and lease loss provision to assets | 0.0455% | 3,015 |
| Net operating income to assets | 0.8031% | 3,229 |
| Return on assets (ROA) | 0.9774% | 2,494 |
| Pretax return on assets | 0.9622% | 3,614 |
| Return on Equity (ROE) | 9.2931% | 2,288 |
| Retained earnings to average equity (ytd only) | 9.2931% | 1,028 |
| Net charge-offs to loans | 0.2488% | 829 |
| Credit loss provision to net charge-offs | 28.5714% | 2,235 |
| Earnings coverage of net charge-offs (x) | 5.2381% | 2,346 |
| Efficiency ratio | 77.2727% | 1,998 |
| Assets per employee ($millions) | 3.8159% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 2,289 |
| Loan loss allowance to noncurrent loans | 396.6942% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 1.0408% | 2,129 |
| Noncurrent loans to loans | 0.3604% | 4,141 |
| Net loans and leases to total assets | 61.9426% | 3,538 |
| Net loans and leases to deposits | 71.3553% | 3,712 |
| Net loans and leases to core deposits | 78.5748% | 3,441 |
| Total domestic deposits to total assets | 86.8088% | 2,295 |
| Equity capital to assets | 10.6136% | 3,354 |
| Core capital (leverage) ratio | 9.3975% | 4,350 |
| Tier 1 risk-based capital ratio | 14.7019% | 3,287 |
| Total risk-based capital ratio | 15.9545% | 3,228 |
| Memoranda: | ||
| Average total assets | $52,795,000 | 5,453 |
| Average earning assets | $47,647,000 | 5,454 |
| Average equity | $5,552,500 | 5,503 |
| Average total loans | $33,764,500 | 5,221 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1221% | 2,837 |
| Cost of funding earning assets | 0.5862% | 1,459 |
| Net interest margin | 3.5359% | 3,392 |
| Noninterest income to average assets | 0.3502% | 4,400 |
| Noninterest expense to average assets | 2.9120% | 2,814 |
| Loan and lease loss provision to assets | 0.0524% | 3,262 |
| Net operating income to assets | 0.6423% | 4,071 |
| Return on assets (ROA) | 0.7041% | 3,896 |
| Pretax return on assets | 0.6667% | 4,627 |
| Return on Equity (ROE) | 6.9837% | 3,522 |
| Retained earnings to average equity (ytd only) | 6.6308% | 1,477 |
| Net charge-offs to loans | 0.0032% | 4,352 |
| Credit loss provision to net charge-offs | 2,800.0000% | 131 |
| Earnings coverage of net charge-offs (x) | 351.0000% | 199 |
| Efficiency ratio | 81.5845% | 1,464 |
| Assets per employee ($millions) | 3.7349% | 4,405 |
| Cash dividends to net income (ytd only)* | 5.0532% | 4,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 4,027 |
| Loan loss allowance to noncurrent loans | 275.7353% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 1.0920% | 2,015 |
| Noncurrent loans to loans | 0.4005% | 4,020 |
| Net loans and leases to total assets | 64.2270% | 3,243 |
| Net loans and leases to deposits | 74.0431% | 3,489 |
| Net loans and leases to core deposits | 82.1824% | 3,128 |
| Total domestic deposits to total assets | 86.7427% | 2,252 |
| Equity capital to assets | 10.6239% | 3,213 |
| Core capital (leverage) ratio | 9.5201% | 4,146 |
| Tier 1 risk-based capital ratio | 14.4808% | 3,455 |
| Total risk-based capital ratio | 15.5818% | 3,445 |
| Memoranda: | ||
| Average total assets | $53,399,200 | 5,475 |
| Average earning assets | $48,616,200 | 5,467 |
| Average equity | $5,384,000 | 5,562 |
| Average total loans | $31,528,200 | 5,310 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0588% | 3,106 |
| Cost of funding earning assets | 0.5876% | 1,479 |
| Net interest margin | 3.4712% | 3,658 |
| Noninterest income to average assets | 0.3130% | 4,708 |
| Noninterest expense to average assets | 2.8068% | 3,159 |
| Loan and lease loss provision to assets | 0.0348% | 3,525 |
| Net operating income to assets | 0.6682% | 4,043 |
| Return on assets (ROA) | 0.7502% | 3,775 |
| Pretax return on assets | 0.7079% | 4,658 |
| Return on Equity (ROE) | 7.5387% | 3,314 |
| Retained earnings to average equity (ytd only) | 7.0643% | 1,656 |
| Net charge-offs to loans | 0.0043% | 4,032 |
| Credit loss provision to net charge-offs | 1,400.0000% | 260 |
| Earnings coverage of net charge-offs (x) | 266.6617% | 266 |
| Efficiency ratio | 80.9456% | 1,526 |
| Assets per employee ($millions) | 4.0948% | 3,713 |
| Cash dividends to net income (ytd only)* | 6.2907% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 4,089 |
| Loan loss allowance to noncurrent loans | 523.1884% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.9468% | 2,491 |
| Noncurrent loans to loans | 0.2150% | 4,792 |
| Net loans and leases to total assets | 59.6228% | 3,928 |
| Net loans and leases to deposits | 68.4901% | 4,143 |
| Net loans and leases to core deposits | 76.3030% | 3,769 |
| Total domestic deposits to total assets | 87.0531% | 2,011 |
| Equity capital to assets | 10.3676% | 3,734 |
| Core capital (leverage) ratio | 9.0351% | 4,955 |
| Tier 1 risk-based capital ratio | 14.8933% | 3,348 |
| Total risk-based capital ratio | 16.0002% | 3,364 |
| Memoranda: | ||
| Average total assets | $53,677,000 | 5,535 |
| Average earning assets | $48,781,750 | 5,534 |
| Average equity | $5,341,250 | 5,644 |
| Average total loans | $30,920,750 | 5,385 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9332% | 3,558 |
| Cost of funding earning assets | 0.5794% | 1,569 |
| Net interest margin | 3.3538% | 4,089 |
| Noninterest income to average assets | 0.3456% | 4,487 |
| Noninterest expense to average assets | 2.8054% | 3,214 |
| Loan and lease loss provision to assets | 0.0334% | 3,449 |
| Net operating income to assets | 0.6057% | 4,321 |
| Return on assets (ROA) | 0.7023% | 3,996 |
| Pretax return on assets | 0.6577% | 4,799 |
| Return on Equity (ROE) | 7.1564% | 3,522 |
| Retained earnings to average equity (ytd only) | 6.4370% | 1,982 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5137% | 1,427 |
| Assets per employee ($millions) | 3.8950% | 4,085 |
| Cash dividends to net income (ytd only)* | 10.0529% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 4,348 |
| Loan loss allowance to noncurrent loans | 440.7407% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.9463% | 2,642 |
| Noncurrent loans to loans | 0.2485% | 4,774 |
| Net loans and leases to total assets | 59.1198% | 3,959 |
| Net loans and leases to deposits | 67.4111% | 4,191 |
| Net loans and leases to core deposits | 76.6167% | 3,708 |
| Total domestic deposits to total assets | 87.7003% | 1,794 |
| Equity capital to assets | 9.7799% | 4,300 |
| Core capital (leverage) ratio | 8.8499% | 5,158 |
| Tier 1 risk-based capital ratio | 14.4815% | 3,653 |
| Total risk-based capital ratio | 15.5713% | 3,663 |
| Memoranda: | ||
| Average total assets | $53,825,000 | 5,591 |
| Average earning assets | $49,018,670 | 5,585 |
| Average equity | $5,282,000 | 5,709 |
| Average total loans | $30,527,670 | 5,452 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8579% | 3,791 |
| Cost of funding earning assets | 0.5770% | 1,604 |
| Net interest margin | 3.2809% | 4,291 |
| Noninterest income to average assets | 0.2543% | 5,141 |
| Noninterest expense to average assets | 2.7229% | 3,510 |
| Loan and lease loss provision to assets | 0.0374% | 3,153 |
| Net operating income to assets | 0.5087% | 4,641 |
| Return on assets (ROA) | 0.7032% | 3,910 |
| Pretax return on assets | 0.6658% | 4,708 |
| Return on Equity (ROE) | 7.1530% | 3,428 |
| Retained earnings to average equity (ytd only) | 5.7072% | 2,655 |
| Net charge-offs to loans | 0.0136% | 2,909 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 661 |
| Efficiency ratio | 84.2593% | 1,352 |
| Assets per employee ($millions) | 3.8981% | 4,166 |
| Cash dividends to net income (ytd only)* | 20.2128% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 3,853 |
| Loan loss allowance to noncurrent loans | 374.4681% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.9693% | 2,683 |
| Noncurrent loans to loans | 0.3253% | 4,626 |
| Net loans and leases to total assets | 52.2960% | 4,638 |
| Net loans and leases to deposits | 59.6597% | 4,767 |
| Net loans and leases to core deposits | 67.7990% | 4,348 |
| Total domestic deposits to total assets | 87.6571% | 2,009 |
| Equity capital to assets | 9.8362% | 4,341 |
| Core capital (leverage) ratio | 8.6716% | 5,352 |
| Tier 1 risk-based capital ratio | 15.0113% | 3,426 |
| Total risk-based capital ratio | 16.1479% | 3,425 |
| Memoranda: | ||
| Average total assets | $53,472,500 | 5,654 |
| Average earning assets | $48,523,500 | 5,647 |
| Average equity | $5,256,500 | 5,769 |
| Average total loans | $29,494,000 | 5,537 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0229% | 3,632 |
| Cost of funding earning assets | 0.6111% | 1,672 |
| Net interest margin | 3.4118% | 4,150 |
| Noninterest income to average assets | 0.2277% | 5,495 |
| Noninterest expense to average assets | 2.8101% | 3,442 |
| Loan and lease loss provision to assets | 0.0342% | 3,907 |
| Net operating income to assets | 0.4992% | 4,814 |
| Return on assets (ROA) | 0.5066% | 4,870 |
| Pretax return on assets | 0.5161% | 5,208 |
| Return on Equity (ROE) | 5.4900% | 4,411 |
| Retained earnings to average equity (ytd only) | 5.4900% | 2,266 |
| Net charge-offs to loans | 0.1106% | 2,935 |
| Credit loss provision to net charge-offs | 54.5455% | 3,388 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,845 |
| Efficiency ratio | 83.8144% | 1,436 |
| Assets per employee ($millions) | 4.0285% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 4,246 |
| Loan loss allowance to noncurrent loans | 362.5000% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 1.0139% | 2,723 |
| Noncurrent loans to loans | 0.3190% | 4,698 |
| Net loans and leases to total assets | 56.8024% | 4,226 |
| Net loans and leases to deposits | 64.8755% | 4,444 |
| Net loans and leases to core deposits | 73.3197% | 3,988 |
| Total domestic deposits to total assets | 87.5561% | 2,000 |
| Equity capital to assets | 9.8241% | 4,317 |
| Core capital (leverage) ratio | 8.6625% | 5,378 |
| Tier 1 risk-based capital ratio | 14.6752% | 3,676 |
| Total risk-based capital ratio | 15.7915% | 3,689 |
| Memoranda: | ||
| Average total assets | $52,702,800 | 5,728 |
| Average earning assets | $48,273,600 | 5,715 |
| Average equity | $4,863,400 | 5,892 |
| Average total loans | $29,848,000 | 5,569 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0168% | 3,697 |
| Cost of funding earning assets | 0.6108% | 1,751 |
| Net interest margin | 3.4060% | 4,215 |
| Noninterest income to average assets | 0.2349% | 5,521 |
| Noninterest expense to average assets | 2.7128% | 3,785 |
| Loan and lease loss provision to assets | 0.0328% | 3,751 |
| Net operating income to assets | 0.6014% | 4,444 |
| Return on assets (ROA) | 0.6113% | 4,484 |
| Pretax return on assets | 0.6264% | 4,942 |
| Return on Equity (ROE) | 6.7319% | 3,836 |
| Retained earnings to average equity (ytd only) | 6.7319% | 1,966 |
| Net charge-offs to loans | 0.0806% | 3,048 |
| Credit loss provision to net charge-offs | 72.2222% | 2,726 |
| Earnings coverage of net charge-offs (x) | 14.2775% | 2,158 |
| Efficiency ratio | 80.6912% | 1,812 |
| Assets per employee ($millions) | 4.0620% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 4,257 |
| Loan loss allowance to noncurrent loans | 369.0722% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 1.1324% | 2,688 |
| Noncurrent loans to loans | 0.3238% | 4,939 |
| Net loans and leases to total assets | 56.0504% | 4,329 |
| Net loans and leases to deposits | 63.7517% | 4,568 |
| Net loans and leases to core deposits | 72.3774% | 4,114 |
| Total domestic deposits to total assets | 87.9199% | 1,803 |
| Equity capital to assets | 9.4724% | 4,828 |
| Core capital (leverage) ratio | 8.5992% | 5,552 |
| Tier 1 risk-based capital ratio | 14.6817% | 3,767 |
| Total risk-based capital ratio | 15.8369% | 3,769 |
| Memoranda: | ||
| Average total assets | $52,785,750 | 5,788 |
| Average earning assets | $48,462,000 | 5,776 |
| Average equity | $4,793,000 | 5,972 |
| Average total loans | $29,786,000 | 5,625 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9634% | 3,881 |
| Cost of funding earning assets | 0.6072% | 1,844 |
| Net interest margin | 3.3562% | 4,373 |
| Noninterest income to average assets | 0.2160% | 5,658 |
| Noninterest expense to average assets | 2.6639% | 4,000 |
| Loan and lease loss provision to assets | 0.0341% | 3,607 |
| Net operating income to assets | 0.5881% | 4,417 |
| Return on assets (ROA) | 0.6025% | 4,442 |
| Pretax return on assets | 0.6328% | 4,843 |
| Return on Equity (ROE) | 6.7325% | 3,765 |
| Retained earnings to average equity (ytd only) | 6.7325% | 1,908 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3429% | 1,975 |
| Assets per employee ($millions) | 3.7780% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 4,314 |
| Loan loss allowance to noncurrent loans | 73.8095% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 1.2894% | 2,537 |
| Noncurrent loans to loans | 1.6578% | 2,092 |
| Net loans and leases to total assets | 56.7761% | 4,144 |
| Net loans and leases to deposits | 64.4697% | 4,446 |
| Net loans and leases to core deposits | 72.2744% | 4,021 |
| Total domestic deposits to total assets | 88.0662% | 1,866 |
| Equity capital to assets | 9.3303% | 4,949 |
| Core capital (leverage) ratio | 8.3898% | 5,751 |
| Tier 1 risk-based capital ratio | 13.9970% | 4,259 |
| Total risk-based capital ratio | 15.1626% | 4,258 |
| Memoranda: | ||
| Average total assets | $52,779,000 | 5,840 |
| Average earning assets | $48,746,000 | 5,817 |
| Average equity | $4,723,330 | 6,030 |
| Average total loans | $29,729,330 | 5,669 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9634% | 3,840 |
| Cost of funding earning assets | 0.6098% | 1,897 |
| Net interest margin | 3.3537% | 4,321 |
| Noninterest income to average assets | 0.2124% | 5,653 |
| Noninterest expense to average assets | 2.5720% | 4,372 |
| Loan and lease loss provision to assets | 0.0303% | 3,426 |
| Net operating income to assets | 0.6525% | 3,943 |
| Return on assets (ROA) | 0.6525% | 4,037 |
| Pretax return on assets | 0.6980% | 4,495 |
| Return on Equity (ROE) | 7.4499% | 3,236 |
| Retained earnings to average equity (ytd only) | 7.4499% | 1,842 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9310% | 2,485 |
| Assets per employee ($millions) | 3.8604% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 4,177 |
| Loan loss allowance to noncurrent loans | 69.6395% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 1.3544% | 2,606 |
| Noncurrent loans to loans | 1.8526% | 2,060 |
| Net loans and leases to total assets | 51.9567% | 4,681 |
| Net loans and leases to deposits | 58.5696% | 4,881 |
| Net loans and leases to core deposits | 65.9186% | 4,493 |
| Total domestic deposits to total assets | 88.7094% | 1,828 |
| Equity capital to assets | 8.7446% | 5,403 |
| Core capital (leverage) ratio | 8.1759% | 5,970 |
| Tier 1 risk-based capital ratio | 13.9918% | 4,338 |
| Total risk-based capital ratio | 15.1605% | 4,331 |
| Memoranda: | ||
| Average total assets | $52,722,500 | 5,894 |
| Average earning assets | $48,544,000 | 5,880 |
| Average equity | $4,617,500 | 6,092 |
| Average total loans | $29,393,000 | 5,735 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1960% | 3,362 |
| Cost of funding earning assets | 0.6910% | 1,882 |
| Net interest margin | 3.5050% | 3,884 |
| Noninterest income to average assets | 0.2548% | 5,526 |
| Noninterest expense to average assets | 2.8048% | 3,704 |
| Loan and lease loss provision to assets | 0.0353% | 4,413 |
| Net operating income to assets | 0.5449% | 4,531 |
| Return on assets (ROA) | 0.5449% | 4,657 |
| Pretax return on assets | 0.5664% | 4,984 |
| Return on Equity (ROE) | 6.0137% | 4,075 |
| Retained earnings to average equity (ytd only) | 6.0137% | 1,959 |
| Net charge-offs to loans | 0.0034% | 5,411 |
| Credit loss provision to net charge-offs | 1,800.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 307.0000% | 148 |
| Efficiency ratio | 82.3360% | 1,833 |
| Assets per employee ($millions) | 3.6714% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 4,677 |
| Loan loss allowance to noncurrent loans | 75.6250% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 1.3327% | 2,758 |
| Noncurrent loans to loans | 1.5821% | 2,526 |
| Net loans and leases to total assets | 58.3191% | 3,977 |
| Net loans and leases to deposits | 65.8553% | 4,312 |
| Net loans and leases to core deposits | 74.4043% | 3,795 |
| Total domestic deposits to total assets | 88.5564% | 1,883 |
| Equity capital to assets | 8.7724% | 5,285 |
| Core capital (leverage) ratio | 8.4399% | 5,734 |
| Tier 1 risk-based capital ratio | 13.5348% | 4,630 |
| Total risk-based capital ratio | 14.6753% | 4,649 |
| Memoranda: | ||
| Average total assets | $51,020,000 | 5,991 |
| Average earning assets | $45,877,200 | 5,995 |
| Average equity | $4,622,800 | 6,164 |
| Average total loans | $29,485,600 | 5,789 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 3,088 |
| Cost of funding earning assets | 0.7088% | 1,895 |
| Net interest margin | 3.5676% | 3,590 |
| Noninterest income to average assets | 0.2487% | 5,651 |
| Noninterest expense to average assets | 2.7334% | 3,888 |
| Loan and lease loss provision to assets | 0.0340% | 4,339 |
| Net operating income to assets | 0.6467% | 4,142 |
| Return on assets (ROA) | 0.6467% | 4,261 |
| Pretax return on assets | 0.6703% | 4,791 |
| Return on Equity (ROE) | 7.0805% | 3,602 |
| Retained earnings to average equity (ytd only) | 7.0805% | 1,834 |
| Net charge-offs to loans | -0.0455% | 6,281 |
| Credit loss provision to net charge-offs | -130.0000% | 5,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5126% | 2,179 |
| Assets per employee ($millions) | 3.6206% | 4,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 4,631 |
| Loan loss allowance to noncurrent loans | 86.0140% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.1265% | 3,399 |
| Noncurrent loans to loans | 1.4552% | 2,983 |
| Net loans and leases to total assets | 57.4326% | 4,097 |
| Net loans and leases to deposits | 64.9517% | 4,412 |
| Net loans and leases to core deposits | 73.5226% | 3,905 |
| Total domestic deposits to total assets | 88.4235% | 1,879 |
| Equity capital to assets | 8.8560% | 5,353 |
| Core capital (leverage) ratio | 8.3748% | 5,885 |
| Tier 1 risk-based capital ratio | 13.6275% | 4,672 |
| Total risk-based capital ratio | 14.8032% | 4,681 |
| Memoranda: | ||
| Average total assets | $50,925,000 | 6,063 |
| Average earning assets | $45,519,750 | 6,075 |
| Average equity | $4,651,250 | 6,233 |
| Average total loans | $29,272,250 | 5,852 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2615% | 3,115 |
| Cost of funding earning assets | 0.7250% | 1,887 |
| Net interest margin | 3.5365% | 3,628 |
| Noninterest income to average assets | 0.2470% | 5,679 |
| Noninterest expense to average assets | 2.7096% | 3,994 |
| Loan and lease loss provision to assets | 0.0353% | 4,243 |
| Net operating income to assets | 0.6117% | 4,231 |
| Return on assets (ROA) | 0.6117% | 4,401 |
| Pretax return on assets | 0.6392% | 4,878 |
| Return on Equity (ROE) | 6.6308% | 3,808 |
| Retained earnings to average equity (ytd only) | 6.6308% | 2,074 |
| Net charge-offs to loans | -0.0685% | 6,377 |
| Credit loss provision to net charge-offs | -90.0000% | 5,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0695% | 2,147 |
| Assets per employee ($millions) | 3.6422% | 4,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 4,836 |
| Loan loss allowance to noncurrent loans | 83.7156% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.1335% | 3,475 |
| Noncurrent loans to loans | 1.4690% | 3,105 |
| Net loans and leases to total assets | 57.4905% | 4,064 |
| Net loans and leases to deposits | 65.0620% | 4,368 |
| Net loans and leases to core deposits | 73.5781% | 3,861 |
| Total domestic deposits to total assets | 88.3627% | 2,004 |
| Equity capital to assets | 8.9310% | 5,292 |
| Core capital (leverage) ratio | 8.2465% | 5,962 |
| Tier 1 risk-based capital ratio | 13.2720% | 4,936 |
| Total risk-based capital ratio | 14.4293% | 4,949 |
| Memoranda: | ||
| Average total assets | $51,003,670 | 6,102 |
| Average earning assets | $45,242,670 | 6,128 |
| Average equity | $4,705,330 | 6,266 |
| Average total loans | $29,202,670 | 5,883 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 3,165 |
| Cost of funding earning assets | 0.7627% | 1,768 |
| Net interest margin | 3.4726% | 3,816 |
| Noninterest income to average assets | 0.2352% | 5,771 |
| Noninterest expense to average assets | 2.5799% | 4,472 |
| Loan and lease loss provision to assets | 0.0314% | 4,056 |
| Net operating income to assets | 0.6352% | 4,052 |
| Return on assets (ROA) | 0.6352% | 4,210 |
| Pretax return on assets | 0.6587% | 4,758 |
| Return on Equity (ROE) | 6.7768% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.7768% | 2,264 |
| Net charge-offs to loans | -0.1381% | 6,564 |
| Credit loss provision to net charge-offs | -40.0000% | 5,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8969% | 2,479 |
| Assets per employee ($millions) | 3.7918% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 4,816 |
| Loan loss allowance to noncurrent loans | 81.2641% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.1020% | 3,732 |
| Noncurrent loans to loans | 1.5699% | 3,179 |
| Net loans and leases to total assets | 52.4781% | 4,628 |
| Net loans and leases to deposits | 59.4837% | 4,854 |
| Net loans and leases to core deposits | 65.6610% | 4,574 |
| Total domestic deposits to total assets | 88.2227% | 2,178 |
| Equity capital to assets | 9.1947% | 5,260 |
| Core capital (leverage) ratio | 8.0182% | 6,125 |
| Tier 1 risk-based capital ratio | 13.3055% | 5,007 |
| Total risk-based capital ratio | 14.4707% | 5,013 |
| Memoranda: | ||
| Average total assets | $51,010,000 | 6,155 |
| Average earning assets | $44,578,000 | 6,200 |
| Average equity | $4,781,000 | 6,310 |
| Average total loans | $28,964,000 | 5,939 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6451% | 2,821 |
| Cost of funding earning assets | 0.8262% | 2,455 |
| Net interest margin | 3.8190% | 3,146 |
| Noninterest income to average assets | 0.2725% | 5,513 |
| Noninterest expense to average assets | 3.0824% | 2,978 |
| Loan and lease loss provision to assets | 0.1384% | 3,880 |
| Net operating income to assets | 0.4537% | 4,875 |
| Return on assets (ROA) | 0.5322% | 4,822 |
| Pretax return on assets | 0.5471% | 5,145 |
| Return on Equity (ROE) | 5.4798% | 4,436 |
| Retained earnings to average equity (ytd only) | 5.4798% | 2,393 |
| Net charge-offs to loans | -0.0035% | 6,359 |
| Credit loss provision to net charge-offs | -6,500.0000% | 6,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6028% | 1,676 |
| Assets per employee ($millions) | 3.4954% | 5,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 5,286 |
| Loan loss allowance to noncurrent loans | 432.5000% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.3985% | 5,489 |
| Noncurrent loans to loans | 0.2693% | 5,808 |
| Net loans and leases to total assets | 60.0061% | 3,602 |
| Net loans and leases to deposits | 68.4699% | 3,905 |
| Net loans and leases to core deposits | 75.3309% | 3,622 |
| Total domestic deposits to total assets | 87.6387% | 2,459 |
| Equity capital to assets | 9.5658% | 4,801 |
| Core capital (leverage) ratio | 8.3902% | 5,769 |
| Tier 1 risk-based capital ratio | 12.8327% | 5,229 |
| Total risk-based capital ratio | 13.9639% | 5,257 |
| Memoranda: | ||
| Average total assets | $46,976,400 | 6,292 |
| Average earning assets | $42,001,000 | 6,309 |
| Average equity | $4,562,200 | 6,430 |
| Average total loans | $28,857,800 | 5,998 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6189% | 3,138 |
| Cost of funding earning assets | 0.8361% | 2,660 |
| Net interest margin | 3.7829% | 3,413 |
| Noninterest income to average assets | 0.2897% | 5,464 |
| Noninterest expense to average assets | 3.0345% | 3,114 |
| Loan and lease loss provision to assets | 0.1577% | 3,546 |
| Net operating income to assets | 0.4981% | 4,849 |
| Return on assets (ROA) | 0.5593% | 4,835 |
| Pretax return on assets | 0.5736% | 5,250 |
| Return on Equity (ROE) | 5.7361% | 4,470 |
| Retained earnings to average equity (ytd only) | 5.7361% | 2,877 |
| Net charge-offs to loans | -0.0046% | 6,271 |
| Credit loss provision to net charge-offs | -5,500.0000% | 6,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9520% | 1,814 |
| Assets per employee ($millions) | 3.5810% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 5,724 |
| Loan loss allowance to noncurrent loans | 533.3333% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 5,669 |
| Noncurrent loans to loans | 0.2059% | 6,094 |
| Net loans and leases to total assets | 64.9883% | 2,841 |
| Net loans and leases to deposits | 74.7105% | 3,183 |
| Net loans and leases to core deposits | 81.4243% | 3,030 |
| Total domestic deposits to total assets | 86.9869% | 2,678 |
| Equity capital to assets | 10.0595% | 4,408 |
| Core capital (leverage) ratio | 8.3217% | 5,974 |
| Tier 1 risk-based capital ratio | 12.2787% | 5,786 |
| Total risk-based capital ratio | 13.3416% | 5,869 |
| Memoranda: | ||
| Average total assets | $46,486,750 | 6,382 |
| Average earning assets | $41,942,000 | 6,377 |
| Average equity | $4,532,500 | 6,504 |
| Average total loans | $28,644,750 | 6,083 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5989% | 3,367 |
| Cost of funding earning assets | 0.8545% | 2,761 |
| Net interest margin | 3.7444% | 3,615 |
| Noninterest income to average assets | 0.2884% | 5,501 |
| Noninterest expense to average assets | 3.0173% | 3,193 |
| Loan and lease loss provision to assets | 0.1291% | 3,911 |
| Net operating income to assets | 0.4883% | 4,874 |
| Return on assets (ROA) | 0.5811% | 4,719 |
| Pretax return on assets | 0.5940% | 5,159 |
| Return on Equity (ROE) | 6.0237% | 4,317 |
| Retained earnings to average equity (ytd only) | 6.0237% | 2,702 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7627% | 1,780 |
| Assets per employee ($millions) | 2.9729% | 6,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 5,917 |
| Loan loss allowance to noncurrent loans | 492.0635% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 5,782 |
| Noncurrent loans to loans | 0.2159% | 6,151 |
| Net loans and leases to total assets | 60.6883% | 3,685 |
| Net loans and leases to deposits | 69.3818% | 3,983 |
| Net loans and leases to core deposits | 76.5338% | 3,713 |
| Total domestic deposits to total assets | 87.4700% | 2,489 |
| Equity capital to assets | 9.6308% | 4,864 |
| Core capital (leverage) ratio | 8.1987% | 6,054 |
| Tier 1 risk-based capital ratio | 12.5033% | 5,562 |
| Total risk-based capital ratio | 13.5206% | 5,720 |
| Memoranda: | ||
| Average total assets | $46,464,670 | 6,425 |
| Average earning assets | $41,662,000 | 6,422 |
| Average equity | $4,482,330 | 6,549 |
| Average total loans | $27,996,330 | 6,152 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5169% | 3,846 |
| Cost of funding earning assets | 0.8664% | 2,946 |
| Net interest margin | 3.6505% | 4,047 |
| Noninterest income to average assets | 0.2875% | 5,575 |
| Noninterest expense to average assets | 3.0230% | 3,172 |
| Loan and lease loss provision to assets | 0.1307% | 3,711 |
| Net operating income to assets | 0.3920% | 5,289 |
| Return on assets (ROA) | 0.3920% | 5,474 |
| Pretax return on assets | 0.4007% | 5,722 |
| Return on Equity (ROE) | 4.0605% | 5,268 |
| Retained earnings to average equity (ytd only) | 4.0605% | 4,155 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0490% | 1,578 |
| Assets per employee ($millions) | 3.1737% | 5,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 6,030 |
| Loan loss allowance to noncurrent loans | 460.9375% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 5,861 |
| Noncurrent loans to loans | 0.2308% | 6,230 |
| Net loans and leases to total assets | 57.6368% | 4,105 |
| Net loans and leases to deposits | 65.7103% | 4,418 |
| Net loans and leases to core deposits | 71.7071% | 4,195 |
| Total domestic deposits to total assets | 87.7135% | 2,517 |
| Equity capital to assets | 9.3961% | 4,965 |
| Core capital (leverage) ratio | 8.1127% | 6,144 |
| Tier 1 risk-based capital ratio | 12.4627% | 5,634 |
| Total risk-based capital ratio | 13.4510% | 5,796 |
| Memoranda: | ||
| Average total assets | $45,914,000 | 6,485 |
| Average earning assets | $41,090,500 | 6,489 |
| Average equity | $4,433,000 | 6,599 |
| Average total loans | $27,406,000 | 6,227 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0326% | 2,746 |
| Cost of funding earning assets | 1.0647% | 2,918 |
| Net interest margin | 3.9679% | 3,030 |
| Noninterest income to average assets | 0.2273% | 5,906 |
| Noninterest expense to average assets | 3.2490% | 2,693 |
| Loan and lease loss provision to assets | 0.7233% | 1,410 |
| Net operating income to assets | -0.2312% | 6,285 |
| Return on assets (ROA) | 0.1401% | 5,898 |
| Pretax return on assets | 0.1424% | 5,899 |
| Return on Equity (ROE) | 1.4588% | 5,851 |
| Retained earnings to average equity (ytd only) | 1.4588% | 5,168 |
| Net charge-offs to loans | 1.1728% | 1,441 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 0.6730% | 5,313 |
| Efficiency ratio | 86.9699% | 1,447 |
| Assets per employee ($millions) | 2.9482% | 6,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 6,051 |
| Loan loss allowance to noncurrent loans | 437.5000% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 5,886 |
| Noncurrent loans to loans | 0.2363% | 6,267 |
| Net loans and leases to total assets | 60.5997% | 3,872 |
| Net loans and leases to deposits | 69.6892% | 4,160 |
| Net loans and leases to core deposits | 74.1348% | 4,222 |
| Total domestic deposits to total assets | 86.9570% | 2,790 |
| Equity capital to assets | 9.9337% | 4,248 |
| Core capital (leverage) ratio | 8.3376% | 5,796 |
| Tier 1 risk-based capital ratio | 12.9201% | 5,139 |
| Total risk-based capital ratio | 13.9181% | 5,308 |
| Memoranda: | ||
| Average total assets | $43,552,400 | 6,552 |
| Average earning assets | $38,508,800 | 6,580 |
| Average equity | $4,181,400 | 6,707 |
| Average total loans | $26,858,600 | 6,308 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0368% | 2,905 |
| Cost of funding earning assets | 1.1019% | 2,967 |
| Net interest margin | 3.9349% | 3,207 |
| Noninterest income to average assets | 0.2213% | 6,035 |
| Noninterest expense to average assets | 3.2392% | 2,700 |
| Loan and lease loss provision to assets | 0.6300% | 1,549 |
| Net operating income to assets | -0.1538% | 6,337 |
| Return on assets (ROA) | 0.0307% | 6,206 |
| Pretax return on assets | 0.0338% | 6,183 |
| Return on Equity (ROE) | 0.3229% | 6,191 |
| Retained earnings to average equity (ytd only) | 0.3229% | 5,852 |
| Net charge-offs to loans | 1.0496% | 1,520 |
| Credit loss provision to net charge-offs | 97.1564% | 3,525 |
| Earnings coverage of net charge-offs (x) | 0.7109% | 5,092 |
| Efficiency ratio | 87.5415% | 1,382 |
| Assets per employee ($millions) | 2.9063% | 6,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 6,212 |
| Loan loss allowance to noncurrent loans | 106.2016% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.5918% | 5,635 |
| Noncurrent loans to loans | 0.9527% | 4,981 |
| Net loans and leases to total assets | 61.4933% | 3,852 |
| Net loans and leases to deposits | 70.9694% | 4,145 |
| Net loans and leases to core deposits | 75.0672% | 4,314 |
| Total domestic deposits to total assets | 86.6476% | 2,857 |
| Equity capital to assets | 10.1548% | 4,148 |
| Core capital (leverage) ratio | 8.1384% | 6,231 |
| Tier 1 risk-based capital ratio | 12.6219% | 5,395 |
| Total risk-based capital ratio | 13.6005% | 5,606 |
| Memoranda: | ||
| Average total assets | $43,384,750 | 6,613 |
| Average earning assets | $38,357,000 | 6,645 |
| Average equity | $4,128,500 | 6,770 |
| Average total loans | $26,803,500 | 6,371 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0568% | 2,888 |
| Cost of funding earning assets | 1.1500% | 2,901 |
| Net interest margin | 3.9068% | 3,276 |
| Noninterest income to average assets | 0.1985% | 6,249 |
| Noninterest expense to average assets | 3.2368% | 2,784 |
| Loan and lease loss provision to assets | 0.8404% | 1,076 |
| Net operating income to assets | -0.4479% | 6,650 |
| Return on assets (ROA) | -0.1939% | 6,504 |
| Pretax return on assets | -0.1893% | 6,447 |
| Return on Equity (ROE) | -2.0849% | 6,528 |
| Retained earnings to average equity (ytd only) | -2.0849% | 6,265 |
| Net charge-offs to loans | 1.3702% | 1,105 |
| Credit loss provision to net charge-offs | 99.4536% | 3,182 |
| Earnings coverage of net charge-offs (x) | 0.4699% | 4,955 |
| Efficiency ratio | 89.0724% | 1,316 |
| Assets per employee ($millions) | 2.7321% | 6,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0667% | 6,073 |
| Loan loss allowance to noncurrent loans | 96.8750% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.6588% | 5,580 |
| Noncurrent loans to loans | 1.1011% | 4,828 |
| Net loans and leases to total assets | 59.1975% | 4,425 |
| Net loans and leases to deposits | 67.9507% | 4,716 |
| Net loans and leases to core deposits | 71.3042% | 4,914 |
| Total domestic deposits to total assets | 87.1182% | 2,671 |
| Equity capital to assets | 9.6928% | 4,545 |
| Core capital (leverage) ratio | 8.0622% | 6,216 |
| Tier 1 risk-based capital ratio | 12.9106% | 4,990 |
| Total risk-based capital ratio | 13.9451% | 5,153 |
| Memoranda: | ||
| Average total assets | $43,314,670 | 6,666 |
| Average earning assets | $38,087,000 | 6,713 |
| Average equity | $4,029,000 | 6,842 |
| Average total loans | $26,710,670 | 6,438 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0674% | 2,788 |
| Cost of funding earning assets | 1.1929% | 2,865 |
| Net interest margin | 3.8744% | 3,274 |
| Noninterest income to average assets | 0.1855% | 6,397 |
| Noninterest expense to average assets | 3.2007% | 2,894 |
| Loan and lease loss provision to assets | 1.5957% | 386 |
| Net operating income to assets | -1.2061% | 7,102 |
| Return on assets (ROA) | -1.2061% | 7,102 |
| Pretax return on assets | -1.2061% | 7,063 |
| Return on Equity (ROE) | -13.2484% | 7,106 |
| Retained earnings to average equity (ytd only) | -13.2484% | 6,984 |
| Net charge-offs to loans | 2.7123% | 404 |
| Credit loss provision to net charge-offs | 93.9891% | 2,862 |
| Earnings coverage of net charge-offs (x) | 0.2295% | 4,442 |
| Efficiency ratio | 89.1473% | 1,405 |
| Assets per employee ($millions) | 2.7980% | 6,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 6,384 |
| Loan loss allowance to noncurrent loans | 188.1119% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 6,395 |
| Noncurrent loans to loans | 0.5341% | 5,959 |
| Net loans and leases to total assets | 59.2097% | 4,426 |
| Net loans and leases to deposits | 67.3793% | 4,769 |
| Net loans and leases to core deposits | 70.5875% | 4,972 |
| Total domestic deposits to total assets | 87.8753% | 2,443 |
| Equity capital to assets | 8.9975% | 5,207 |
| Core capital (leverage) ratio | 7.6741% | 6,578 |
| Tier 1 risk-based capital ratio | 11.8007% | 5,852 |
| Total risk-based capital ratio | 12.7526% | 6,082 |
| Memoranda: | ||
| Average total assets | $43,115,500 | 6,725 |
| Average earning assets | $37,889,500 | 6,763 |
| Average equity | $3,925,000 | 6,905 |
| Average total loans | $26,988,000 | 6,471 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5515% | 2,077 |
| Cost of funding earning assets | 1.3674% | 3,471 |
| Net interest margin | 4.1841% | 2,248 |
| Noninterest income to average assets | 0.2518% | 6,000 |
| Noninterest expense to average assets | 3.4194% | 2,384 |
| Loan and lease loss provision to assets | 0.4532% | 3,405 |
| Net operating income to assets | 0.1024% | 5,581 |
| Return on assets (ROA) | 0.1813% | 5,502 |
| Pretax return on assets | 0.1914% | 5,507 |
| Return on Equity (ROE) | 1.9276% | 5,408 |
| Retained earnings to average equity (ytd only) | 0.7229% | 5,200 |
| Net charge-offs to loans | 0.4853% | 3,677 |
| Credit loss provision to net charge-offs | 139.5349% | 2,722 |
| Earnings coverage of net charge-offs (x) | 1.7287% | 4,422 |
| Efficiency ratio | 85.8950% | 1,708 |
| Assets per employee ($millions) | 2.5914% | 6,873 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 6,238 |
| Loan loss allowance to noncurrent loans | 101.8182% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.6632% | 5,675 |
| Noncurrent loans to loans | 1.0110% | 5,043 |
| Net loans and leases to total assets | 64.9254% | 3,678 |
| Net loans and leases to deposits | 74.2744% | 4,147 |
| Net loans and leases to core deposits | 78.1286% | 4,448 |
| Total domestic deposits to total assets | 87.4129% | 2,605 |
| Equity capital to assets | 9.2179% | 4,812 |
| Core capital (leverage) ratio | 7.5324% | 6,679 |
| Tier 1 risk-based capital ratio | 10.8349% | 6,459 |
| Total risk-based capital ratio | 11.8029% | 6,642 |
| Memoranda: | ||
| Average total assets | $39,714,200 | 6,877 |
| Average earning assets | $35,396,000 | 6,902 |
| Average equity | $3,735,200 | 7,075 |
| Average total loans | $26,578,800 | 6,580 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6089% | 2,031 |
| Cost of funding earning assets | 1.3717% | 3,766 |
| Net interest margin | 4.2371% | 2,078 |
| Noninterest income to average assets | 0.2240% | 6,301 |
| Noninterest expense to average assets | 3.3573% | 2,409 |
| Loan and lease loss provision to assets | 0.2919% | 4,242 |
| Net operating income to assets | 0.3394% | 5,009 |
| Return on assets (ROA) | 0.4481% | 4,739 |
| Pretax return on assets | 0.4617% | 5,037 |
| Return on Equity (ROE) | 4.7395% | 4,431 |
| Retained earnings to average equity (ytd only) | 3.1237% | 4,251 |
| Net charge-offs to loans | 0.1413% | 5,167 |
| Credit loss provision to net charge-offs | 307.1429% | 1,038 |
| Earnings coverage of net charge-offs (x) | 6.7503% | 2,461 |
| Efficiency ratio | 83.9559% | 1,844 |
| Assets per employee ($millions) | 2.5821% | 6,973 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 6,217 |
| Loan loss allowance to noncurrent loans | 243.2203% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 6,657 |
| Noncurrent loans to loans | 0.4277% | 6,347 |
| Net loans and leases to total assets | 66.0890% | 3,671 |
| Net loans and leases to deposits | 75.8297% | 4,204 |
| Net loans and leases to core deposits | 82.4346% | 4,180 |
| Total domestic deposits to total assets | 87.1545% | 2,444 |
| Equity capital to assets | 9.4230% | 4,958 |
| Core capital (leverage) ratio | 7.7219% | 6,648 |
| Tier 1 risk-based capital ratio | 10.4221% | 6,819 |
| Total risk-based capital ratio | 11.3888% | 6,974 |
| Memoranda: | ||
| Average total assets | $39,277,000 | 6,969 |
| Average earning assets | $34,991,250 | 6,998 |
| Average equity | $3,713,500 | 7,169 |
| Average total loans | $26,423,500 | 6,684 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6460% | 1,958 |
| Cost of funding earning assets | 1.3984% | 3,883 |
| Net interest margin | 4.2476% | 1,972 |
| Noninterest income to average assets | 0.2176% | 6,363 |
| Noninterest expense to average assets | 3.3629% | 2,365 |
| Loan and lease loss provision to assets | 0.3834% | 3,415 |
| Net operating income to assets | 0.2402% | 5,405 |
| Return on assets (ROA) | 0.4093% | 4,878 |
| Pretax return on assets | 0.4249% | 5,136 |
| Return on Equity (ROE) | 4.3244% | 4,634 |
| Retained earnings to average equity (ytd only) | 3.2296% | 4,049 |
| Net charge-offs to loans | 0.2151% | 4,317 |
| Credit loss provision to net charge-offs | 264.2857% | 1,436 |
| Earnings coverage of net charge-offs (x) | 4.3571% | 2,976 |
| Efficiency ratio | 84.1764% | 1,900 |
| Assets per employee ($millions) | 2.6485% | 6,864 |
| Cash dividends to net income (ytd only)* | 25.3165% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 6,390 |
| Loan loss allowance to noncurrent loans | 1,964.2857% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 7,311 |
| Noncurrent loans to loans | 0.0510% | 7,189 |
| Net loans and leases to total assets | 68.4220% | 3,263 |
| Net loans and leases to deposits | 78.1249% | 3,941 |
| Net loans and leases to core deposits | 85.1887% | 3,958 |
| Total domestic deposits to total assets | 87.5802% | 2,214 |
| Equity capital to assets | 9.6408% | 4,486 |
| Core capital (leverage) ratio | 7.8936% | 6,389 |
| Tier 1 risk-based capital ratio | 10.4064% | 6,754 |
| Total risk-based capital ratio | 11.3401% | 6,952 |
| Memoranda: | ||
| Average total assets | $38,598,000 | 7,041 |
| Average earning assets | $34,325,000 | 7,070 |
| Average equity | $3,653,670 | 7,225 |
| Average total loans | $26,034,330 | 6,744 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6297% | 2,031 |
| Cost of funding earning assets | 1.4074% | 4,129 |
| Net interest margin | 4.2223% | 1,956 |
| Noninterest income to average assets | 0.2209% | 6,385 |
| Noninterest expense to average assets | 3.3655% | 2,327 |
| Loan and lease loss provision to assets | 0.2734% | 3,841 |
| Net operating income to assets | 0.3050% | 5,283 |
| Return on assets (ROA) | 0.3050% | 5,407 |
| Pretax return on assets | 0.3050% | 5,585 |
| Return on Equity (ROE) | 3.2534% | 5,223 |
| Retained earnings to average equity (ytd only) | 1.0097% | 5,406 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3333% | 1,870 |
| Assets per employee ($millions) | 2.6293% | 6,985 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 6,462 |
| Loan loss allowance to noncurrent loans | 1,593.7500% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 7,391 |
| Noncurrent loans to loans | 0.0628% | 7,240 |
| Net loans and leases to total assets | 63.9326% | 4,347 |
| Net loans and leases to deposits | 72.6092% | 4,972 |
| Net loans and leases to core deposits | 79.1829% | 4,870 |
| Total domestic deposits to total assets | 88.0502% | 2,028 |
| Equity capital to assets | 9.1176% | 5,109 |
| Core capital (leverage) ratio | 7.5528% | 6,794 |
| Tier 1 risk-based capital ratio | 10.1920% | 6,891 |
| Total risk-based capital ratio | 11.1139% | 7,114 |
| Memoranda: | ||
| Average total assets | $38,033,500 | 7,160 |
| Average earning assets | $33,536,500 | 7,181 |
| Average equity | $3,565,500 | 7,323 |
| Average total loans | $25,323,000 | 6,860 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9447% | 2,064 |
| Cost of funding earning assets | 1.6769% | 4,630 |
| Net interest margin | 4.2678% | 1,825 |
| Noninterest income to average assets | 0.2099% | 6,604 |
| Noninterest expense to average assets | 3.4629% | 2,481 |
| Loan and lease loss provision to assets | 0.3488% | 4,713 |
| Net operating income to assets | 0.2411% | 4,756 |
| Return on assets (ROA) | 0.2411% | 4,834 |
| Pretax return on assets | 0.2382% | 4,919 |
| Return on Equity (ROE) | 2.4935% | 4,711 |
| Retained earnings to average equity (ytd only) | 2.4935% | 3,398 |
| Net charge-offs to loans | 0.0666% | 6,444 |
| Credit loss provision to net charge-offs | 768.7500% | 382 |
| Earnings coverage of net charge-offs (x) | 12.9375% | 1,462 |
| Efficiency ratio | 85.5042% | 2,171 |
| Assets per employee ($millions) | 2.6162% | 7,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 6,774 |
| Loan loss allowance to noncurrent loans | 1,431.2500% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 6,876 |
| Noncurrent loans to loans | 0.0636% | 7,263 |
| Net loans and leases to total assets | 68.1110% | 3,682 |
| Net loans and leases to deposits | 78.0667% | 4,358 |
| Net loans and leases to core deposits | 117.2101% | 2,209 |
| Total domestic deposits to total assets | 87.2471% | 2,360 |
| Equity capital to assets | 9.6514% | 4,214 |
| Core capital (leverage) ratio | 7.6183% | 6,659 |
| Tier 1 risk-based capital ratio | 10.2264% | 6,656 |
| Total risk-based capital ratio | 11.0833% | 6,979 |
| Memoranda: | ||
| Average total assets | $35,259,800 | 7,269 |
| Average earning assets | $31,726,000 | 7,278 |
| Average equity | $3,408,800 | 7,471 |
| Average total loans | $24,012,800 | 6,970 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9831% | 2,109 |
| Cost of funding earning assets | 1.7440% | 4,672 |
| Net interest margin | 4.2391% | 1,912 |
| Noninterest income to average assets | 0.2444% | 6,486 |
| Noninterest expense to average assets | 3.3563% | 2,704 |
| Loan and lease loss provision to assets | 0.3895% | 3,979 |
| Net operating income to assets | 0.3169% | 4,732 |
| Return on assets (ROA) | 0.3169% | 4,840 |
| Pretax return on assets | 0.3131% | 5,023 |
| Return on Equity (ROE) | 3.2766% | 4,672 |
| Retained earnings to average equity (ytd only) | 3.2766% | 3,477 |
| Net charge-offs to loans | 0.0787% | 5,892 |
| Credit loss provision to net charge-offs | 728.5714% | 517 |
| Earnings coverage of net charge-offs (x) | 13.1403% | 1,696 |
| Efficiency ratio | 82.6905% | 2,480 |
| Assets per employee ($millions) | 2.5703% | 7,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8308% | 7,022 |
| Loan loss allowance to noncurrent loans | 1,235.2941% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 6,888 |
| Noncurrent loans to loans | 0.0673% | 7,333 |
| Net loans and leases to total assets | 69.6615% | 3,590 |
| Net loans and leases to deposits | 80.1657% | 4,354 |
| Net loans and leases to core deposits | 117.6137% | 2,455 |
| Total domestic deposits to total assets | 86.8970% | 2,235 |
| Equity capital to assets | 9.9155% | 4,197 |
| Core capital (leverage) ratio | 7.7715% | 6,643 |
| Tier 1 risk-based capital ratio | 10.3447% | 6,628 |
| Total risk-based capital ratio | 11.1402% | 7,026 |
| Memoranda: | ||
| Average total assets | $34,918,000 | 7,340 |
| Average earning assets | $31,421,000 | 7,354 |
| Average equity | $3,377,250 | 7,547 |
| Average total loans | $23,722,000 | 7,051 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0080% | 2,152 |
| Cost of funding earning assets | 1.8282% | 4,616 |
| Net interest margin | 4.1798% | 2,064 |
| Noninterest income to average assets | 0.2546% | 6,454 |
| Noninterest expense to average assets | 3.2405% | 3,191 |
| Loan and lease loss provision to assets | 0.5497% | 2,821 |
| Net operating income to assets | 0.2083% | 5,235 |
| Return on assets (ROA) | 0.2083% | 5,311 |
| Pretax return on assets | 0.2083% | 5,449 |
| Return on Equity (ROE) | 2.1728% | 5,230 |
| Retained earnings to average equity (ytd only) | 2.1728% | 4,138 |
| Net charge-offs to loans | 0.1207% | 4,955 |
| Credit loss provision to net charge-offs | 678.5714% | 689 |
| Earnings coverage of net charge-offs (x) | 9.3571% | 2,141 |
| Efficiency ratio | 81.0420% | 2,877 |
| Assets per employee ($millions) | 2.7112% | 6,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8258% | 7,065 |
| Loan loss allowance to noncurrent loans | 882.6087% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 6,794 |
| Noncurrent loans to loans | 0.0936% | 7,294 |
| Net loans and leases to total assets | 69.1710% | 3,910 |
| Net loans and leases to deposits | 79.7514% | 4,580 |
| Net loans and leases to core deposits | 113.5644% | 2,966 |
| Total domestic deposits to total assets | 86.7332% | 2,385 |
| Equity capital to assets | 9.9586% | 4,003 |
| Core capital (leverage) ratio | 7.8519% | 6,548 |
| Tier 1 risk-based capital ratio | 10.9217% | 5,964 |
| Total risk-based capital ratio | 11.7477% | 6,327 |
| Memoranda: | ||
| Average total assets | $34,562,670 | 7,424 |
| Average earning assets | $30,958,670 | 7,440 |
| Average equity | $3,313,670 | 7,629 |
| Average total loans | $23,203,670 | 7,137 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1210% | 1,869 |
| Cost of funding earning assets | 1.8996% | 4,630 |
| Net interest margin | 4.2214% | 1,833 |
| Noninterest income to average assets | 0.2338% | 6,592 |
| Noninterest expense to average assets | 3.0975% | 3,386 |
| Loan and lease loss provision to assets | 0.2922% | 3,618 |
| Net operating income to assets | 0.5844% | 4,083 |
| Return on assets (ROA) | 0.5844% | 4,275 |
| Pretax return on assets | 0.5844% | 4,806 |
| Return on Equity (ROE) | 6.2199% | 3,946 |
| Retained earnings to average equity (ytd only) | 6.2199% | 2,539 |
| Net charge-offs to loans | 0.1777% | 3,578 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,335 |
| Efficiency ratio | 77.9412% | 3,173 |
| Assets per employee ($millions) | 3.1953% | 5,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5908% | 7,672 |
| Loan loss allowance to noncurrent loans | 3,425.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 6,867 |
| Noncurrent loans to loans | 0.0173% | 7,515 |
| Net loans and leases to total assets | 65.5798% | 4,677 |
| Net loans and leases to deposits | 75.0717% | 5,331 |
| Net loans and leases to core deposits | 103.0444% | 4,237 |
| Total domestic deposits to total assets | 87.3563% | 2,034 |
| Equity capital to assets | 9.3149% | 4,918 |
| Core capital (leverage) ratio | 7.3332% | 7,342 |
| Tier 1 risk-based capital ratio | 10.5594% | 6,333 |
| Total risk-based capital ratio | 11.1408% | 6,940 |
| Memoranda: | ||
| Average total assets | $34,221,000 | 7,484 |
| Average earning assets | $30,322,000 | 7,500 |
| Average equity | $3,215,500 | 7,716 |
| Average total loans | $22,514,000 | 7,216 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8745% | 1,481 |
| Cost of funding earning assets | 2.7221% | 3,054 |
| Net interest margin | 4.1524% | 2,490 |
| Noninterest income to average assets | 0.2478% | 6,677 |
| Noninterest expense to average assets | 3.3620% | 2,789 |
| Loan and lease loss provision to assets | 0.1789% | 5,106 |
| Net operating income to assets | 0.4267% | 5,047 |
| Return on assets (ROA) | 0.4267% | 4,864 |
| Pretax return on assets | 0.4233% | 5,196 |
| Return on Equity (ROE) | 4.3909% | 4,640 |
| Retained earnings to average equity (ytd only) | 3.1516% | 3,193 |
| Net charge-offs to loans | 0.1318% | 4,906 |
| Credit loss provision to net charge-offs | 208.0000% | 2,331 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 3,215 |
| Efficiency ratio | 84.8090% | 1,980 |
| Assets per employee ($millions) | 3.0267% | 5,996 |
| Cash dividends to net income (ytd only)* | 28.2258% | 4,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5586% | 7,749 |
| Loan loss allowance to noncurrent loans | 3,050.0000% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 6,643 |
| Noncurrent loans to loans | 0.0183% | 7,452 |
| Net loans and leases to total assets | 65.2340% | 5,007 |
| Net loans and leases to deposits | 75.0199% | 5,727 |
| Net loans and leases to core deposits | 109.2175% | 3,839 |
| Total domestic deposits to total assets | 86.9556% | 1,954 |
| Equity capital to assets | 9.4822% | 4,710 |
| Core capital (leverage) ratio | 7.2843% | 7,432 |
| Tier 1 risk-based capital ratio | 10.5806% | 6,125 |
| Total risk-based capital ratio | 11.1281% | 6,758 |
| Memoranda: | ||
| Average total assets | $29,060,400 | 7,681 |
| Average earning assets | $26,009,200 | 7,689 |
| Average equity | $2,824,000 | 7,889 |
| Average total loans | $18,975,200 | 7,404 |