Home > Lafayette State Bank > Performance and Condition Ratios
Lafayette State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4907% | 1,174 |
| Cost of funding earning assets | 1.1611% | 2,908 |
| Net interest margin | 4.3296% | 775 |
| Noninterest income to average assets | 0.9000% | 766 |
| Noninterest expense to average assets | 3.7262% | 454 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 0.6815% | 3,240 |
| Return on assets (ROA) | 0.6815% | 3,217 |
| Pretax return on assets | 0.7992% | 3,216 |
| Return on Equity (ROE) | 15.0900% | 1,273 |
| Retained earnings to average equity (ytd only) | 15.0936% | 320 |
| Net charge-offs to loans | 0.5177% | 195 |
| Credit loss provision to net charge-offs | 75.5495% | 2,049 |
| Earnings coverage of net charge-offs (x) | 2.9931% | 2,665 |
| Efficiency ratio | 77.7062% | 1,091 |
| Assets per employee ($millions) | 4.8072% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 1,299 |
| Loan loss allowance to noncurrent loans | 371.2747% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 1,954 |
| Noncurrent loans to loans | 0.3834% | 1,838 |
| Net loans and leases to total assets | 64.7600% | 2,396 |
| Net loans and leases to deposits | 70.3592% | 2,866 |
| Net loans and leases to core deposits | 75.8621% | 2,986 |
| Total domestic deposits to total assets | 92.0400% | 302 |
| Equity capital to assets | 4.7614% | 4,442 |
| Core capital (leverage) ratio | 7.3780% | 4,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0476% | 2,810 |
| Memoranda: | ||
| Average total assets | $203,826,600 | 2,968 |
| Average earning assets | $183,527,600 | 2,982 |
| Average equity | $9,202,600 | 3,801 |
| Average total loans | $140,613,600 | 2,765 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3202% | 1,265 |
| Cost of funding earning assets | 1.0620% | 2,856 |
| Net interest margin | 4.2582% | 851 |
| Noninterest income to average assets | 0.9100% | 748 |
| Noninterest expense to average assets | 3.8041% | 420 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 0.5921% | 3,564 |
| Return on assets (ROA) | 0.5921% | 3,548 |
| Pretax return on assets | 0.6757% | 3,596 |
| Return on Equity (ROE) | 13.3200% | 1,840 |
| Retained earnings to average equity (ytd only) | 13.3165% | 772 |
| Net charge-offs to loans | 0.7142% | 127 |
| Credit loss provision to net charge-offs | 53.5475% | 1,881 |
| Earnings coverage of net charge-offs (x) | 1.8889% | 2,508 |
| Efficiency ratio | 80.1352% | 848 |
| Assets per employee ($millions) | 4.4245% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 1,800 |
| Loan loss allowance to noncurrent loans | 204.6336% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.4370% | 1,336 |
| Noncurrent loans to loans | 0.6423% | 1,274 |
| Net loans and leases to total assets | 67.1400% | 2,143 |
| Net loans and leases to deposits | 72.3722% | 2,689 |
| Net loans and leases to core deposits | 77.5399% | 2,767 |
| Total domestic deposits to total assets | 92.7700% | 336 |
| Equity capital to assets | 3.9797% | 4,405 |
| Core capital (leverage) ratio | 7.4766% | 4,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6366% | 2,873 |
| Memoranda: | ||
| Average total assets | $199,500,250 | 3,000 |
| Average earning assets | $179,538,250 | 3,018 |
| Average equity | $8,871,000 | 3,841 |
| Average total loans | $139,451,250 | 2,781 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1880% | 1,227 |
| Cost of funding earning assets | 0.9456% | 2,791 |
| Net interest margin | 4.2425% | 872 |
| Noninterest income to average assets | 0.9100% | 672 |
| Noninterest expense to average assets | 3.8800% | 373 |
| Loan and lease loss provision to assets | 0.2800% | 330 |
| Net operating income to assets | 0.4805% | 3,846 |
| Return on assets (ROA) | 0.4805% | 3,856 |
| Pretax return on assets | 0.5666% | 3,857 |
| Return on Equity (ROE) | 10.4100% | 2,593 |
| Retained earnings to average equity (ytd only) | 10.4099% | 1,309 |
| Net charge-offs to loans | 0.7897% | 105 |
| Credit loss provision to net charge-offs | 50.5515% | 1,667 |
| Earnings coverage of net charge-offs (x) | 1.5221% | 2,362 |
| Efficiency ratio | 82.0585% | 703 |
| Assets per employee ($millions) | 4.1078% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 1,508 |
| Loan loss allowance to noncurrent loans | 443.2735% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 2,083 |
| Noncurrent loans to loans | 0.3174% | 2,005 |
| Net loans and leases to total assets | 68.8200% | 1,868 |
| Net loans and leases to deposits | 74.6461% | 2,434 |
| Net loans and leases to core deposits | 78.8737% | 2,553 |
| Total domestic deposits to total assets | 92.2000% | 376 |
| Equity capital to assets | 4.5289% | 4,440 |
| Core capital (leverage) ratio | 7.6495% | 4,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8276% | 2,866 |
| Memoranda: | ||
| Average total assets | $195,208,000 | 3,035 |
| Average earning assets | $175,558,667 | 3,062 |
| Average equity | $9,010,667 | 3,845 |
| Average total loans | $137,771,333 | 2,795 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0925% | 1,097 |
| Cost of funding earning assets | 0.7755% | 2,821 |
| Net interest margin | 4.3170% | 777 |
| Noninterest income to average assets | 1.2400% | 424 |
| Noninterest expense to average assets | 3.7758% | 418 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 0.9013% | 2,848 |
| Return on assets (ROA) | 0.9013% | 2,806 |
| Pretax return on assets | 1.2114% | 2,402 |
| Return on Equity (ROE) | 19.1600% | 859 |
| Retained earnings to average equity (ytd only) | 19.1593% | 422 |
| Net charge-offs to loans | 0.0147% | 1,407 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 131.4000% | 662 |
| Efficiency ratio | 73.4116% | 1,396 |
| Assets per employee ($millions) | 3.8833% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6874% | 835 |
| Loan loss allowance to noncurrent loans | 241.2500% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 1,063 |
| Noncurrent loans to loans | 0.6995% | 1,088 |
| Net loans and leases to total assets | 68.1300% | 1,823 |
| Net loans and leases to deposits | 75.3560% | 2,172 |
| Net loans and leases to core deposits | 79.4959% | 2,287 |
| Total domestic deposits to total assets | 90.4100% | 1,008 |
| Equity capital to assets | 4.7569% | 4,454 |
| Core capital (leverage) ratio | 7.9056% | 4,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2257% | 2,914 |
| Memoranda: | ||
| Average total assets | $192,170,000 | 3,088 |
| Average earning assets | $173,823,500 | 3,111 |
| Average equity | $9,040,000 | 3,893 |
| Average total loans | $136,404,000 | 2,834 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3518% | 966 |
| Cost of funding earning assets | 0.2121% | 3,660 |
| Net interest margin | 4.1397% | 617 |
| Noninterest income to average assets | 1.1200% | 534 |
| Noninterest expense to average assets | 3.8413% | 368 |
| Loan and lease loss provision to assets | 0.2600% | 356 |
| Net operating income to assets | 0.5885% | 3,910 |
| Return on assets (ROA) | 0.5885% | 3,871 |
| Pretax return on assets | 0.7428% | 3,759 |
| Return on Equity (ROE) | 10.8800% | 2,516 |
| Retained earnings to average equity (ytd only) | 7.8922% | 1,879 |
| Net charge-offs to loans | -0.0229% | 4,107 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.2260% | 774 |
| Assets per employee ($millions) | 3.6528% | 4,401 |
| Cash dividends to net income (ytd only)* | 27.4361% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,182 |
| Loan loss allowance to noncurrent loans | 176.3598% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.5132% | 995 |
| Noncurrent loans to loans | 0.7052% | 1,063 |
| Net loans and leases to total assets | 71.8600% | 1,434 |
| Net loans and leases to deposits | 78.8847% | 1,859 |
| Net loans and leases to core deposits | 81.1862% | 2,058 |
| Total domestic deposits to total assets | 91.1000% | 919 |
| Equity capital to assets | 4.6481% | 4,442 |
| Core capital (leverage) ratio | 8.0302% | 4,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7427% | 3,000 |
| Memoranda: | ||
| Average total assets | $179,601,200 | 3,194 |
| Average earning assets | $161,702,800 | 3,226 |
| Average equity | $9,718,400 | 3,906 |
| Average total loans | $118,131,000 | 2,943 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2251% | 849 |
| Cost of funding earning assets | 0.1960% | 3,326 |
| Net interest margin | 4.0291% | 609 |
| Noninterest income to average assets | 1.1700% | 523 |
| Noninterest expense to average assets | 3.8561% | 359 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 0.5575% | 3,952 |
| Return on assets (ROA) | 0.5575% | 3,896 |
| Pretax return on assets | 0.7493% | 3,692 |
| Return on Equity (ROE) | 9.9400% | 2,743 |
| Retained earnings to average equity (ytd only) | 6.0633% | 2,733 |
| Net charge-offs to loans | 0.0855% | 702 |
| Credit loss provision to net charge-offs | 342.4658% | 757 |
| Earnings coverage of net charge-offs (x) | 17.1233% | 1,800 |
| Efficiency ratio | 80.4565% | 746 |
| Assets per employee ($millions) | 3.4681% | 4,483 |
| Cash dividends to net income (ytd only)* | 38.9785% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 3,231 |
| Loan loss allowance to noncurrent loans | 149.7250% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5490% | 974 |
| Noncurrent loans to loans | 0.7036% | 1,161 |
| Net loans and leases to total assets | 70.8800% | 1,402 |
| Net loans and leases to deposits | 74.5393% | 2,001 |
| Net loans and leases to core deposits | 76.4815% | 2,165 |
| Total domestic deposits to total assets | 95.1000% | 204 |
| Equity capital to assets | 4.1627% | 4,459 |
| Core capital (leverage) ratio | 7.8368% | 4,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4826% | 3,099 |
| Memoranda: | ||
| Average total assets | $177,928,500 | 3,227 |
| Average earning assets | $159,899,250 | 3,266 |
| Average equity | $9,983,250 | 3,918 |
| Average total loans | $113,774,250 | 2,999 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0693% | 822 |
| Cost of funding earning assets | 0.1931% | 3,009 |
| Net interest margin | 3.8763% | 644 |
| Noninterest income to average assets | 1.0716% | 583 |
| Noninterest expense to average assets | 3.6991% | 353 |
| Loan and lease loss provision to assets | 0.1694% | 537 |
| Net operating income to assets | 0.5059% | 3,878 |
| Return on assets (ROA) | 0.5059% | 3,832 |
| Pretax return on assets | 0.6718% | 3,651 |
| Return on Equity (ROE) | 8.2896% | 2,937 |
| Retained earnings to average equity (ytd only) | 2.9236% | 3,473 |
| Net charge-offs to loans | 0.1786% | 359 |
| Credit loss provision to net charge-offs | 154.6392% | 1,078 |
| Earnings coverage of net charge-offs (x) | 7.6804% | 1,848 |
| Efficiency ratio | 81.4723% | 838 |
| Assets per employee ($millions) | 3.4058% | 4,569 |
| Cash dividends to net income (ytd only)* | 64.7321% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 3,386 |
| Loan loss allowance to noncurrent loans | 1,344.5652% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 3,470 |
| Noncurrent loans to loans | 0.0780% | 3,394 |
| Net loans and leases to total assets | 65.9291% | 1,703 |
| Net loans and leases to deposits | 69.5084% | 2,259 |
| Net loans and leases to core deposits | 71.3571% | 2,385 |
| Total domestic deposits to total assets | 94.8505% | 158 |
| Equity capital to assets | 4.6775% | 4,536 |
| Core capital (leverage) ratio | 7.9467% | 4,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2468% | 2,978 |
| Memoranda: | ||
| Average total assets | $177,124,667 | 3,268 |
| Average earning assets | $158,503,667 | 3,328 |
| Average equity | $10,808,667 | 3,904 |
| Average total loans | $108,634,667 | 3,083 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 679 |
| Cost of funding earning assets | 0.1915% | 2,918 |
| Net interest margin | 3.8718% | 539 |
| Noninterest income to average assets | 1.1901% | 492 |
| Noninterest expense to average assets | 3.9653% | 281 |
| Loan and lease loss provision to assets | 0.1694% | 460 |
| Net operating income to assets | 0.3545% | 4,048 |
| Return on assets (ROA) | 0.3545% | 4,013 |
| Pretax return on assets | 0.4787% | 3,905 |
| Return on Equity (ROE) | 5.2026% | 3,566 |
| Retained earnings to average equity (ytd only) | -4.4073% | 4,397 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9520% | 740 |
| Assets per employee ($millions) | 3.6579% | 4,514 |
| Cash dividends to net income (ytd only)* | 184.7134% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 2,984 |
| Loan loss allowance to noncurrent loans | 8,992.8571% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.7581% | 734 |
| Noncurrent loans to loans | 0.0131% | 3,922 |
| Net loans and leases to total assets | 60.2583% | 2,038 |
| Net loans and leases to deposits | 64.5695% | 2,476 |
| Net loans and leases to core deposits | 66.2266% | 2,616 |
| Total domestic deposits to total assets | 93.3232% | 198 |
| Equity capital to assets | 6.0115% | 4,582 |
| Core capital (leverage) ratio | 7.8947% | 4,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1869% | 2,849 |
| Memoranda: | ||
| Average total assets | $177,135,000 | 3,282 |
| Average earning assets | $156,620,500 | 3,356 |
| Average equity | $12,071,000 | 3,854 |
| Average total loans | $103,952,000 | 3,138 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8685% | 1,706 |
| Cost of funding earning assets | 0.1800% | 3,660 |
| Net interest margin | 3.6885% | 1,243 |
| Noninterest income to average assets | 1.4984% | 500 |
| Noninterest expense to average assets | 3.4872% | 483 |
| Loan and lease loss provision to assets | 0.2299% | 432 |
| Net operating income to assets | 0.7208% | 3,567 |
| Return on assets (ROA) | 0.7208% | 3,631 |
| Pretax return on assets | 0.9139% | 3,477 |
| Return on Equity (ROE) | 10.2033% | 2,456 |
| Retained earnings to average equity (ytd only) | 10.0405% | 910 |
| Net charge-offs to loans | 0.0010% | 2,644 |
| Credit loss provision to net charge-offs | 40,000.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 1,990.0000% | 67 |
| Efficiency ratio | 75.3010% | 1,173 |
| Assets per employee ($millions) | 3.7227% | 4,523 |
| Cash dividends to net income (ytd only)* | 1.5949% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 3,002 |
| Loan loss allowance to noncurrent loans | 64.0346% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.8137% | 195 |
| Noncurrent loans to loans | 1.8335% | 453 |
| Net loans and leases to total assets | 55.7723% | 2,650 |
| Net loans and leases to deposits | 60.5648% | 3,028 |
| Net loans and leases to core deposits | 61.5284% | 3,205 |
| Total domestic deposits to total assets | 92.0869% | 158 |
| Equity capital to assets | 7.6036% | 4,551 |
| Core capital (leverage) ratio | 7.6120% | 4,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1987% | 2,160 |
| Memoranda: | ||
| Average total assets | $173,980,000 | 3,261 |
| Average earning assets | $147,758,400 | 3,397 |
| Average equity | $12,290,200 | 3,903 |
| Average total loans | $99,348,600 | 3,206 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8847% | 1,803 |
| Cost of funding earning assets | 0.1727% | 3,897 |
| Net interest margin | 3.7119% | 1,311 |
| Noninterest income to average assets | 1.5092% | 540 |
| Noninterest expense to average assets | 3.4520% | 490 |
| Loan and lease loss provision to assets | 0.2506% | 367 |
| Net operating income to assets | 0.7068% | 3,749 |
| Return on assets (ROA) | 0.7068% | 3,819 |
| Pretax return on assets | 0.9406% | 3,605 |
| Return on Equity (ROE) | 10.2064% | 2,659 |
| Retained earnings to average equity (ytd only) | 10.2064% | 1,262 |
| Net charge-offs to loans | -0.0040% | 3,373 |
| Credit loss provision to net charge-offs | -10,833.3333% | 4,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3436% | 1,186 |
| Assets per employee ($millions) | 3.6917% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 3,402 |
| Loan loss allowance to noncurrent loans | 53.5869% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.9577% | 196 |
| Noncurrent loans to loans | 2.0688% | 415 |
| Net loans and leases to total assets | 56.0282% | 2,724 |
| Net loans and leases to deposits | 60.9316% | 3,146 |
| Net loans and leases to core deposits | 61.6195% | 3,353 |
| Total domestic deposits to total assets | 91.9526% | 139 |
| Equity capital to assets | 7.6970% | 4,654 |
| Core capital (leverage) ratio | 7.4553% | 4,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6918% | 2,473 |
| Memoranda: | ||
| Average total assets | $172,802,250 | 3,301 |
| Average earning assets | $145,903,750 | 3,450 |
| Average equity | $11,966,000 | 3,989 |
| Average total loans | $98,974,750 | 3,255 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5499% | 2,774 |
| Cost of funding earning assets | 0.1575% | 4,145 |
| Net interest margin | 3.3924% | 2,162 |
| Noninterest income to average assets | 1.5338% | 526 |
| Noninterest expense to average assets | 3.4073% | 529 |
| Loan and lease loss provision to assets | 0.2918% | 298 |
| Net operating income to assets | 0.5229% | 4,171 |
| Return on assets (ROA) | 0.5229% | 4,217 |
| Pretax return on assets | 0.7015% | 4,060 |
| Return on Equity (ROE) | 7.8539% | 3,443 |
| Retained earnings to average equity (ytd only) | 7.8539% | 2,128 |
| Net charge-offs to loans | 0.0244% | 1,458 |
| Credit loss provision to net charge-offs | 2,083.3333% | 281 |
| Earnings coverage of net charge-offs (x) | 70.9167% | 895 |
| Efficiency ratio | 77.4271% | 957 |
| Assets per employee ($millions) | 3.6317% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 3,769 |
| Loan loss allowance to noncurrent loans | 41.8985% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 2.2045% | 180 |
| Noncurrent loans to loans | 2.4242% | 347 |
| Net loans and leases to total assets | 57.2452% | 2,759 |
| Net loans and leases to deposits | 61.8759% | 3,215 |
| Net loans and leases to core deposits | 62.7391% | 3,396 |
| Total domestic deposits to total assets | 92.5161% | 65 |
| Equity capital to assets | 7.1253% | 4,821 |
| Core capital (leverage) ratio | 6.7930% | 4,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3008% | 2,900 |
| Memoranda: | ||
| Average total assets | $171,336,333 | 3,324 |
| Average earning assets | $144,793,667 | 3,469 |
| Average equity | $11,408,333 | 4,054 |
| Average total loans | $98,501,333 | 3,275 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3305% | 3,383 |
| Cost of funding earning assets | 0.1342% | 4,423 |
| Net interest margin | 3.1963% | 2,710 |
| Noninterest income to average assets | 1.4814% | 615 |
| Noninterest expense to average assets | 3.4714% | 487 |
| Loan and lease loss provision to assets | 0.3533% | 237 |
| Net operating income to assets | 0.3038% | 4,515 |
| Return on assets (ROA) | 0.3038% | 4,549 |
| Pretax return on assets | 0.4051% | 4,477 |
| Return on Equity (ROE) | 4.7331% | 4,144 |
| Retained earnings to average equity (ytd only) | 4.7331% | 3,305 |
| Net charge-offs to loans | 0.1972% | 412 |
| Credit loss provision to net charge-offs | 312.5000% | 737 |
| Earnings coverage of net charge-offs (x) | 6.7083% | 1,638 |
| Efficiency ratio | 82.0713% | 699 |
| Assets per employee ($millions) | 3.8379% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 4,123 |
| Loan loss allowance to noncurrent loans | 24.3280% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 2.7386% | 127 |
| Noncurrent loans to loans | 3.7428% | 158 |
| Net loans and leases to total assets | 52.3982% | 3,405 |
| Net loans and leases to deposits | 55.9104% | 3,797 |
| Net loans and leases to core deposits | 56.3253% | 3,954 |
| Total domestic deposits to total assets | 93.7183% | 14 |
| Equity capital to assets | 5.9272% | 4,946 |
| Core capital (leverage) ratio | 6.7714% | 4,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2943% | 2,869 |
| Memoranda: | ||
| Average total assets | $169,843,500 | 3,334 |
| Average earning assets | $146,045,500 | 3,460 |
| Average equity | $10,902,000 | 4,117 |
| Average total loans | $97,344,500 | 3,301 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5232% | 1,255 |
| Cost of funding earning assets | 0.1725% | 4,671 |
| Net interest margin | 4.3507% | 456 |
| Noninterest income to average assets | 1.5212% | 525 |
| Noninterest expense to average assets | 4.1023% | 345 |
| Loan and lease loss provision to assets | 0.1826% | 2,120 |
| Net operating income to assets | 1.0733% | 2,010 |
| Return on assets (ROA) | 1.1635% | 1,788 |
| Pretax return on assets | 1.0487% | 2,886 |
| Return on Equity (ROE) | 15.5754% | 555 |
| Retained earnings to average equity (ytd only) | 15.5754% | 135 |
| Net charge-offs to loans | 0.3779% | 454 |
| Credit loss provision to net charge-offs | 75.6173% | 3,009 |
| Earnings coverage of net charge-offs (x) | 4.7253% | 2,947 |
| Efficiency ratio | 78.2374% | 1,017 |
| Assets per employee ($millions) | 3.4549% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8080% | 4,411 |
| Loan loss allowance to noncurrent loans | 43.9352% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 2.0506% | 270 |
| Noncurrent loans to loans | 1.8391% | 671 |
| Net loans and leases to total assets | 62.0632% | 2,597 |
| Net loans and leases to deposits | 66.9639% | 3,188 |
| Net loans and leases to core deposits | 67.5575% | 3,437 |
| Total domestic deposits to total assets | 92.6815% | 26 |
| Equity capital to assets | 7.0014% | 4,915 |
| Core capital (leverage) ratio | 6.9607% | 4,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4684% | 2,810 |
| Memoranda: | ||
| Average total assets | $134,168,600 | 3,574 |
| Average earning assets | $114,785,400 | 3,694 |
| Average equity | $10,022,200 | 4,189 |
| Average total loans | $85,735,600 | 3,472 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8807% | 762 |
| Cost of funding earning assets | 0.1840% | 4,720 |
| Net interest margin | 4.6967% | 257 |
| Noninterest income to average assets | 1.5646% | 486 |
| Noninterest expense to average assets | 4.2366% | 311 |
| Loan and lease loss provision to assets | 0.1242% | 2,783 |
| Net operating income to assets | 1.1921% | 1,661 |
| Return on assets (ROA) | 1.2335% | 1,662 |
| Pretax return on assets | 1.2335% | 2,281 |
| Return on Equity (ROE) | 16.2065% | 529 |
| Retained earnings to average equity (ytd only) | 16.2065% | 148 |
| Net charge-offs to loans | 0.5262% | 284 |
| Credit loss provision to net charge-offs | 36.6972% | 2,937 |
| Earnings coverage of net charge-offs (x) | 3.8899% | 2,872 |
| Efficiency ratio | 76.2952% | 1,187 |
| Assets per employee ($millions) | 3.2709% | 4,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6959% | 4,585 |
| Loan loss allowance to noncurrent loans | 38.3003% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 2.1658% | 281 |
| Noncurrent loans to loans | 1.8170% | 731 |
| Net loans and leases to total assets | 65.2406% | 2,616 |
| Net loans and leases to deposits | 70.5809% | 3,256 |
| Net loans and leases to core deposits | 71.2590% | 3,535 |
| Total domestic deposits to total assets | 92.4339% | 28 |
| Equity capital to assets | 7.3146% | 4,898 |
| Core capital (leverage) ratio | 7.0969% | 4,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8909% | 2,654 |
| Memoranda: | ||
| Average total assets | $128,843,500 | 3,625 |
| Average earning assets | $109,407,750 | 3,765 |
| Average equity | $9,806,500 | 4,229 |
| Average total loans | $82,850,750 | 3,527 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3099% | 472 |
| Cost of funding earning assets | 0.2001% | 4,767 |
| Net interest margin | 5.1098% | 166 |
| Noninterest income to average assets | 1.6718% | 379 |
| Noninterest expense to average assets | 4.4840% | 253 |
| Loan and lease loss provision to assets | 0.0727% | 3,394 |
| Net operating income to assets | 1.4457% | 1,028 |
| Return on assets (ROA) | 1.5103% | 983 |
| Pretax return on assets | 1.5103% | 1,430 |
| Return on Equity (ROE) | 19.5477% | 264 |
| Retained earnings to average equity (ytd only) | 19.5477% | 96 |
| Net charge-offs to loans | 0.3724% | 427 |
| Credit loss provision to net charge-offs | 30.6122% | 2,698 |
| Earnings coverage of net charge-offs (x) | 6.3946% | 2,444 |
| Efficiency ratio | 74.7040% | 1,400 |
| Assets per employee ($millions) | 3.2056% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 4,244 |
| Loan loss allowance to noncurrent loans | 35.3596% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 2.8098% | 185 |
| Noncurrent loans to loans | 2.3584% | 518 |
| Net loans and leases to total assets | 67.3025% | 2,454 |
| Net loans and leases to deposits | 73.0712% | 3,158 |
| Net loans and leases to core deposits | 73.8243% | 3,475 |
| Total domestic deposits to total assets | 92.1053% | 48 |
| Equity capital to assets | 7.6259% | 4,849 |
| Core capital (leverage) ratio | 7.2039% | 4,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7616% | 2,708 |
| Memoranda: | ||
| Average total assets | $123,818,667 | 3,676 |
| Average earning assets | $104,936,333 | 3,825 |
| Average equity | $9,566,333 | 4,269 |
| Average total loans | $78,950,667 | 3,595 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3922% | 2,648 |
| Cost of funding earning assets | 0.2307% | 4,822 |
| Net interest margin | 4.1614% | 1,001 |
| Noninterest income to average assets | 1.4762% | 411 |
| Noninterest expense to average assets | 4.7462% | 254 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2027% | 4,525 |
| Return on assets (ROA) | 0.2027% | 4,536 |
| Pretax return on assets | 0.2027% | 4,564 |
| Return on Equity (ROE) | 2.6042% | 4,309 |
| Retained earnings to average equity (ytd only) | 2.6042% | 3,225 |
| Net charge-offs to loans | 0.5004% | 287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 0.6593% | 2,451 |
| Efficiency ratio | 95.9044% | 330 |
| Assets per employee ($millions) | 3.1124% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 3,527 |
| Loan loss allowance to noncurrent loans | 16.2327% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 5.0991% | 64 |
| Noncurrent loans to loans | 6.3660% | 71 |
| Net loans and leases to total assets | 58.0135% | 3,670 |
| Net loans and leases to deposits | 62.7275% | 4,063 |
| Net loans and leases to core deposits | 63.5427% | 4,195 |
| Total domestic deposits to total assets | 92.4849% | 23 |
| Equity capital to assets | 7.2816% | 5,053 |
| Core capital (leverage) ratio | 7.6965% | 5,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5172% | 2,921 |
| Memoranda: | ||
| Average total assets | $118,411,000 | 3,728 |
| Average earning assets | $98,812,500 | 3,890 |
| Average equity | $9,216,000 | 4,340 |
| Average total loans | $72,739,000 | 3,709 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0688% | 1,294 |
| Cost of funding earning assets | 0.2134% | 4,930 |
| Net interest margin | 4.8554% | 363 |
| Noninterest income to average assets | 1.6363% | 354 |
| Noninterest expense to average assets | 4.9015% | 230 |
| Loan and lease loss provision to assets | 0.0657% | 2,703 |
| Net operating income to assets | 0.8154% | 3,515 |
| Return on assets (ROA) | 0.8351% | 3,522 |
| Pretax return on assets | 0.8304% | 3,915 |
| Return on Equity (ROE) | 11.1086% | 1,839 |
| Retained earnings to average equity (ytd only) | 11.1086% | 321 |
| Net charge-offs to loans | -0.3816% | 5,104 |
| Credit loss provision to net charge-offs | -28.0000% | 4,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8327% | 613 |
| Assets per employee ($millions) | 2.6637% | 4,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,310 |
| Loan loss allowance to noncurrent loans | 22.9726% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 5.0416% | 56 |
| Noncurrent loans to loans | 5.3216% | 87 |
| Net loans and leases to total assets | 63.9215% | 3,213 |
| Net loans and leases to deposits | 69.9850% | 3,673 |
| Net loans and leases to core deposits | 71.0773% | 3,911 |
| Total domestic deposits to total assets | 91.3361% | 79 |
| Equity capital to assets | 8.3690% | 4,962 |
| Core capital (leverage) ratio | 8.0806% | 5,016 |
| Tier 1 risk-based capital ratio | 11.9917% | 4,370 |
| Total risk-based capital ratio | 13.5942% | 4,029 |
| Memoranda: | ||
| Average total assets | $106,579,800 | 3,886 |
| Average earning assets | $90,908,200 | 4,039 |
| Average equity | $8,011,800 | 4,507 |
| Average total loans | $65,513,800 | 3,870 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1018% | 1,279 |
| Cost of funding earning assets | 0.2040% | 5,034 |
| Net interest margin | 4.8978% | 342 |
| Noninterest income to average assets | 1.5936% | 366 |
| Noninterest expense to average assets | 4.7996% | 242 |
| Loan and lease loss provision to assets | 0.0881% | 2,146 |
| Net operating income to assets | 0.9063% | 3,324 |
| Return on assets (ROA) | 0.9327% | 3,299 |
| Pretax return on assets | 0.9327% | 3,785 |
| Return on Equity (ROE) | 12.7815% | 1,359 |
| Retained earnings to average equity (ytd only) | 12.7815% | 302 |
| Net charge-offs to loans | -0.2076% | 5,115 |
| Credit loss provision to net charge-offs | -70.0000% | 4,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8373% | 698 |
| Assets per employee ($millions) | 2.5733% | 5,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 3,099 |
| Loan loss allowance to noncurrent loans | 18.5599% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 5.4480% | 61 |
| Noncurrent loans to loans | 5.8526% | 76 |
| Net loans and leases to total assets | 61.6234% | 3,531 |
| Net loans and leases to deposits | 67.4898% | 3,956 |
| Net loans and leases to core deposits | 68.5812% | 4,132 |
| Total domestic deposits to total assets | 91.3077% | 72 |
| Equity capital to assets | 8.4108% | 5,029 |
| Core capital (leverage) ratio | 8.0424% | 5,109 |
| Tier 1 risk-based capital ratio | 12.1922% | 4,316 |
| Total risk-based capital ratio | 13.6521% | 4,077 |
| Memoranda: | ||
| Average total assets | $105,921,750 | 3,942 |
| Average earning assets | $90,841,000 | 4,075 |
| Average equity | $7,729,750 | 4,596 |
| Average total loans | $64,223,750 | 3,940 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1744% | 1,034 |
| Cost of funding earning assets | 0.1994% | 5,077 |
| Net interest margin | 4.9750% | 300 |
| Noninterest income to average assets | 1.4935% | 401 |
| Noninterest expense to average assets | 4.6879% | 266 |
| Loan and lease loss provision to assets | 0.1131% | 1,663 |
| Net operating income to assets | 0.9730% | 3,013 |
| Return on assets (ROA) | 0.9843% | 3,045 |
| Pretax return on assets | 0.9843% | 3,600 |
| Return on Equity (ROE) | 14.2073% | 933 |
| Retained earnings to average equity (ytd only) | 14.2073% | 219 |
| Net charge-offs to loans | 0.0439% | 2,020 |
| Credit loss provision to net charge-offs | 428.5714% | 669 |
| Earnings coverage of net charge-offs (x) | 41.1429% | 1,228 |
| Efficiency ratio | 81.1888% | 864 |
| Assets per employee ($millions) | 3.0750% | 4,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 4,047 |
| Loan loss allowance to noncurrent loans | 22.7360% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 4.0484% | 112 |
| Noncurrent loans to loans | 4.0066% | 180 |
| Net loans and leases to total assets | 59.6317% | 3,772 |
| Net loans and leases to deposits | 64.8938% | 4,169 |
| Net loans and leases to core deposits | 65.9155% | 4,320 |
| Total domestic deposits to total assets | 91.8912% | 45 |
| Equity capital to assets | 7.8477% | 5,202 |
| Core capital (leverage) ratio | 7.8338% | 5,198 |
| Tier 1 risk-based capital ratio | 12.3721% | 4,203 |
| Total risk-based capital ratio | 13.7508% | 4,014 |
| Memoranda: | ||
| Average total assets | $106,060,000 | 3,957 |
| Average earning assets | $91,257,000 | 4,091 |
| Average equity | $7,348,330 | 4,677 |
| Average total loans | $63,721,330 | 3,977 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0122% | 1,313 |
| Cost of funding earning assets | 0.1856% | 5,149 |
| Net interest margin | 4.8265% | 385 |
| Noninterest income to average assets | 0.8777% | 1,088 |
| Noninterest expense to average assets | 4.4644% | 300 |
| Loan and lease loss provision to assets | 0.1140% | 1,551 |
| Net operating income to assets | 0.4483% | 4,640 |
| Return on assets (ROA) | 0.4483% | 4,660 |
| Pretax return on assets | 0.4483% | 4,777 |
| Return on Equity (ROE) | 6.9417% | 3,699 |
| Retained earnings to average equity (ytd only) | 6.9417% | 2,066 |
| Net charge-offs to loans | 0.0633% | 1,409 |
| Credit loss provision to net charge-offs | 300.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 14.8000% | 1,776 |
| Efficiency ratio | 88.8133% | 443 |
| Assets per employee ($millions) | 3.1677% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 4,226 |
| Loan loss allowance to noncurrent loans | 22.0359% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 4.1860% | 107 |
| Noncurrent loans to loans | 4.0086% | 189 |
| Net loans and leases to total assets | 57.1828% | 3,970 |
| Net loans and leases to deposits | 61.4673% | 4,334 |
| Net loans and leases to core deposits | 62.7088% | 4,441 |
| Total domestic deposits to total assets | 93.0296% | 22 |
| Equity capital to assets | 6.8441% | 5,315 |
| Core capital (leverage) ratio | 7.0417% | 5,318 |
| Tier 1 risk-based capital ratio | 10.3191% | 5,221 |
| Total risk-based capital ratio | 11.5508% | 5,163 |
| Memoranda: | ||
| Average total assets | $105,278,000 | 4,019 |
| Average earning assets | $90,500,000 | 4,136 |
| Average equity | $6,799,500 | 4,788 |
| Average total loans | $63,198,000 | 4,025 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1310% | 795 |
| Cost of funding earning assets | 0.2373% | 4,864 |
| Net interest margin | 4.8937% | 323 |
| Noninterest income to average assets | 1.5754% | 382 |
| Noninterest expense to average assets | 5.3313% | 165 |
| Loan and lease loss provision to assets | 0.0332% | 3,530 |
| Net operating income to assets | 0.3407% | 4,957 |
| Return on assets (ROA) | 0.3407% | 4,952 |
| Pretax return on assets | 0.3407% | 5,007 |
| Return on Equity (ROE) | 5.9228% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.9228% | 2,232 |
| Net charge-offs to loans | 0.0209% | 3,007 |
| Credit loss provision to net charge-offs | 250.0000% | 1,186 |
| Earnings coverage of net charge-offs (x) | 28.1667% | 1,660 |
| Efficiency ratio | 93.4458% | 251 |
| Assets per employee ($millions) | 2.8482% | 5,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8713% | 4,292 |
| Loan loss allowance to noncurrent loans | 20.6373% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 5.7761% | 55 |
| Noncurrent loans to loans | 4.2221% | 169 |
| Net loans and leases to total assets | 62.0833% | 3,557 |
| Net loans and leases to deposits | 66.2127% | 4,103 |
| Net loans and leases to core deposits | 67.4260% | 4,273 |
| Total domestic deposits to total assets | 93.7635% | 16 |
| Equity capital to assets | 6.0299% | 5,380 |
| Core capital (leverage) ratio | 6.1408% | 5,381 |
| Tier 1 risk-based capital ratio | 9.2683% | 5,376 |
| Total risk-based capital ratio | 10.6380% | 5,354 |
| Memoranda: | ||
| Average total assets | $90,391,400 | 4,264 |
| Average earning assets | $76,281,400 | 4,373 |
| Average equity | $5,200,200 | 5,021 |
| Average total loans | $57,535,400 | 4,154 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1786% | 654 |
| Cost of funding earning assets | 0.2464% | 4,809 |
| Net interest margin | 4.9322% | 296 |
| Noninterest income to average assets | 1.5942% | 382 |
| Noninterest expense to average assets | 5.3791% | 168 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3664% | 5,000 |
| Return on assets (ROA) | 0.3664% | 4,999 |
| Pretax return on assets | 0.3664% | 5,067 |
| Return on Equity (ROE) | 6.4564% | 4,123 |
| Retained earnings to average equity (ytd only) | 6.4564% | 2,407 |
| Net charge-offs to loans | -0.0308% | 4,764 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6232% | 246 |
| Assets per employee ($millions) | 2.6106% | 5,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 4,219 |
| Loan loss allowance to noncurrent loans | 20.6186% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 6.2832% | 50 |
| Noncurrent loans to loans | 4.4264% | 168 |
| Net loans and leases to total assets | 64.1648% | 3,402 |
| Net loans and leases to deposits | 68.6937% | 4,010 |
| Net loans and leases to core deposits | 70.0739% | 4,188 |
| Total domestic deposits to total assets | 93.4071% | 22 |
| Equity capital to assets | 6.3313% | 5,435 |
| Core capital (leverage) ratio | 6.2850% | 5,450 |
| Tier 1 risk-based capital ratio | 9.3620% | 5,446 |
| Total risk-based capital ratio | 10.7829% | 5,414 |
| Memoranda: | ||
| Average total assets | $88,067,500 | 4,351 |
| Average earning assets | $74,123,250 | 4,463 |
| Average equity | $4,997,500 | 5,112 |
| Average total loans | $56,311,000 | 4,224 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0266% | 775 |
| Cost of funding earning assets | 0.2749% | 4,602 |
| Net interest margin | 4.7517% | 389 |
| Noninterest income to average assets | 1.7846% | 324 |
| Noninterest expense to average assets | 5.2894% | 182 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4301% | 4,904 |
| Return on assets (ROA) | 0.4301% | 4,910 |
| Pretax return on assets | 0.4301% | 5,014 |
| Return on Equity (ROE) | 7.8986% | 3,542 |
| Retained earnings to average equity (ytd only) | 7.8986% | 1,669 |
| Net charge-offs to loans | -0.1228% | 5,215 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4809% | 295 |
| Assets per employee ($millions) | 2.6242% | 5,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 4,064 |
| Loan loss allowance to noncurrent loans | 20.4380% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 6.4509% | 47 |
| Noncurrent loans to loans | 4.6965% | 155 |
| Net loans and leases to total assets | 62.9101% | 3,515 |
| Net loans and leases to deposits | 68.1058% | 4,009 |
| Net loans and leases to core deposits | 69.5662% | 4,170 |
| Total domestic deposits to total assets | 92.3710% | 56 |
| Equity capital to assets | 5.1934% | 5,524 |
| Core capital (leverage) ratio | 5.0802% | 5,530 |
| Tier 1 risk-based capital ratio | 7.4893% | 5,526 |
| Total risk-based capital ratio | 8.9959% | 5,523 |
| Memoranda: | ||
| Average total assets | $86,966,330 | 4,399 |
| Average earning assets | $72,016,330 | 4,547 |
| Average equity | $4,735,000 | 5,207 |
| Average total loans | $55,358,670 | 4,274 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0863% | 601 |
| Cost of funding earning assets | 0.2774% | 4,527 |
| Net interest margin | 4.8089% | 339 |
| Noninterest income to average assets | 2.1910% | 240 |
| Noninterest expense to average assets | 5.4137% | 177 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7146% | 4,050 |
| Return on assets (ROA) | 0.7146% | 4,061 |
| Pretax return on assets | 0.7146% | 4,401 |
| Return on Equity (ROE) | 16.5457% | 549 |
| Retained earnings to average equity (ytd only) | 16.5457% | 219 |
| Net charge-offs to loans | -0.2228% | 5,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3398% | 517 |
| Assets per employee ($millions) | 2.4834% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 3,758 |
| Loan loss allowance to noncurrent loans | 20.0433% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 7.9936% | 35 |
| Noncurrent loans to loans | 5.1621% | 139 |
| Net loans and leases to total assets | 61.1857% | 3,626 |
| Net loans and leases to deposits | 64.8822% | 4,162 |
| Net loans and leases to core deposits | 66.3225% | 4,288 |
| Total domestic deposits to total assets | 94.3027% | 13 |
| Equity capital to assets | 4.2304% | 5,594 |
| Core capital (leverage) ratio | 4.4610% | 5,597 |
| Tier 1 risk-based capital ratio | 6.4960% | 5,596 |
| Total risk-based capital ratio | 7.4375% | 5,596 |
| Memoranda: | ||
| Average total assets | $84,526,000 | 4,485 |
| Average earning assets | $69,205,000 | 4,658 |
| Average equity | $3,650,500 | 5,400 |
| Average total loans | $53,867,500 | 4,352 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1551% | 482 |
| Cost of funding earning assets | 0.3051% | 4,085 |
| Net interest margin | 4.8501% | 307 |
| Noninterest income to average assets | 1.2889% | 641 |
| Noninterest expense to average assets | 5.8940% | 151 |
| Loan and lease loss provision to assets | 0.4275% | 332 |
| Net operating income to assets | -1.0390% | 5,592 |
| Return on assets (ROA) | -1.0656% | 5,595 |
| Pretax return on assets | -1.0656% | 5,602 |
| Return on Equity (ROE) | -23.2172% | 5,650 |
| Retained earnings to average equity (ytd only) | -23.2172% | 5,630 |
| Net charge-offs to loans | 1.1691% | 140 |
| Credit loss provision to net charge-offs | 53.7480% | 3,288 |
| Earnings coverage of net charge-offs (x) | -0.7687% | 4,040 |
| Efficiency ratio | 111.5754% | 95 |
| Assets per employee ($millions) | 2.4157% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 4,087 |
| Loan loss allowance to noncurrent loans | 11.3877% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 12.7415% | 11 |
| Noncurrent loans to loans | 8.5542% | 36 |
| Net loans and leases to total assets | 65.1029% | 3,211 |
| Net loans and leases to deposits | 70.5450% | 3,830 |
| Net loans and leases to core deposits | 72.2015% | 4,034 |
| Total domestic deposits to total assets | 92.2857% | 62 |
| Equity capital to assets | 4.4124% | 5,659 |
| Core capital (leverage) ratio | 4.6718% | 5,659 |
| Tier 1 risk-based capital ratio | 6.2617% | 5,661 |
| Total risk-based capital ratio | 7.1466% | 5,660 |
| Memoranda: | ||
| Average total assets | $78,825,800 | 4,614 |
| Average earning assets | $64,906,400 | 4,767 |
| Average equity | $3,618,000 | 5,468 |
| Average total loans | $53,630,000 | 4,375 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0218% | 586 |
| Cost of funding earning assets | 0.3077% | 4,056 |
| Net interest margin | 4.7142% | 396 |
| Noninterest income to average assets | 1.2547% | 669 |
| Noninterest expense to average assets | 5.9555% | 155 |
| Loan and lease loss provision to assets | 0.3624% | 406 |
| Net operating income to assets | -1.1607% | 5,682 |
| Return on assets (ROA) | -1.1966% | 5,687 |
| Pretax return on assets | -1.1966% | 5,681 |
| Return on Equity (ROE) | -25.8070% | 5,717 |
| Retained earnings to average equity (ytd only) | -25.8070% | 5,697 |
| Net charge-offs to loans | 0.2167% | 1,000 |
| Credit loss provision to net charge-offs | 243.6782% | 1,154 |
| Earnings coverage of net charge-offs (x) | -5.3677% | 3,757 |
| Efficiency ratio | 115.4790% | 76 |
| Assets per employee ($millions) | 2.4432% | 5,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7343% | 970 |
| Loan loss allowance to noncurrent loans | 12.7836% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 14.6254% | 9 |
| Noncurrent loans to loans | 13.5664% | 8 |
| Net loans and leases to total assets | 66.1292% | 3,087 |
| Net loans and leases to deposits | 70.6264% | 3,907 |
| Net loans and leases to core deposits | 72.0475% | 4,123 |
| Total domestic deposits to total assets | 93.6324% | 16 |
| Equity capital to assets | 4.7118% | 5,721 |
| Core capital (leverage) ratio | 4.9509% | 5,720 |
| Tier 1 risk-based capital ratio | 6.4563% | 5,724 |
| Total risk-based capital ratio | 7.7105% | 5,724 |
| Memoranda: | ||
| Average total assets | $77,999,000 | 4,675 |
| Average earning assets | $64,569,750 | 4,824 |
| Average equity | $3,616,500 | 5,530 |
| Average total loans | $53,538,250 | 4,418 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6742% | 1,108 |
| Cost of funding earning assets | 0.3196% | 3,881 |
| Net interest margin | 4.3547% | 756 |
| Noninterest income to average assets | 1.2214% | 694 |
| Noninterest expense to average assets | 6.1746% | 150 |
| Loan and lease loss provision to assets | 0.4979% | 239 |
| Net operating income to assets | -1.8464% | 5,758 |
| Return on assets (ROA) | -1.9009% | 5,757 |
| Pretax return on assets | -1.9009% | 5,754 |
| Return on Equity (ROE) | -41.2299% | 5,772 |
| Retained earnings to average equity (ytd only) | -41.2299% | 5,759 |
| Net charge-offs to loans | 0.1351% | 1,352 |
| Credit loss provision to net charge-offs | 533.3333% | 626 |
| Earnings coverage of net charge-offs (x) | -14.4444% | 3,484 |
| Efficiency ratio | 127.9420% | 51 |
| Assets per employee ($millions) | 2.4343% | 5,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8125% | 865 |
| Loan loss allowance to noncurrent loans | 11.5016% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 17.1966% | 8 |
| Noncurrent loans to loans | 15.7583% | 9 |
| Net loans and leases to total assets | 67.5965% | 2,863 |
| Net loans and leases to deposits | 72.2457% | 3,714 |
| Net loans and leases to core deposits | 77.0752% | 3,671 |
| Total domestic deposits to total assets | 93.5647% | 18 |
| Equity capital to assets | 4.8345% | 5,770 |
| Core capital (leverage) ratio | 4.8338% | 5,770 |
| Tier 1 risk-based capital ratio | 5.8681% | 5,777 |
| Total risk-based capital ratio | 7.1208% | 5,775 |
| Memoranda: | ||
| Average total assets | $77,123,000 | 4,722 |
| Average earning assets | $63,839,330 | 4,873 |
| Average equity | $3,555,670 | 5,582 |
| Average total loans | $53,298,000 | 4,440 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0683% | 467 |
| Cost of funding earning assets | 0.3058% | 3,983 |
| Net interest margin | 4.7624% | 330 |
| Noninterest income to average assets | 1.5638% | 460 |
| Noninterest expense to average assets | 6.2084% | 153 |
| Loan and lease loss provision to assets | 0.9122% | 98 |
| Net operating income to assets | -1.5795% | 5,803 |
| Return on assets (ROA) | -1.6889% | 5,808 |
| Pretax return on assets | -1.6889% | 5,802 |
| Return on Equity (ROE) | -37.5598% | 5,841 |
| Retained earnings to average equity (ytd only) | -37.5598% | 5,809 |
| Net charge-offs to loans | -0.0151% | 4,593 |
| Credit loss provision to net charge-offs | -8,750.0000% | 4,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.0414% | 105 |
| Assets per employee ($millions) | 2.3133% | 5,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8661% | 846 |
| Loan loss allowance to noncurrent loans | 10.2561% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 18.3642% | 5 |
| Noncurrent loans to loans | 18.1951% | 8 |
| Net loans and leases to total assets | 66.3916% | 2,917 |
| Net loans and leases to deposits | 71.1537% | 3,682 |
| Net loans and leases to core deposits | 72.0550% | 3,980 |
| Total domestic deposits to total assets | 93.3073% | 29 |
| Equity capital to assets | 5.1467% | 5,827 |
| Core capital (leverage) ratio | 5.3319% | 5,826 |
| Tier 1 risk-based capital ratio | 6.7296% | 5,837 |
| Total risk-based capital ratio | 7.9841% | 5,837 |
| Memoranda: | ||
| Average total assets | $76,735,000 | 4,778 |
| Average earning assets | $64,085,000 | 4,917 |
| Average equity | $3,450,500 | 5,651 |
| Average total loans | $53,132,500 | 4,480 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8725% | 3,673 |
| Cost of funding earning assets | 0.3066% | 3,996 |
| Net interest margin | 3.5659% | 3,202 |
| Noninterest income to average assets | 2.1813% | 304 |
| Noninterest expense to average assets | 6.2591% | 149 |
| Loan and lease loss provision to assets | 0.3832% | 420 |
| Net operating income to assets | -1.3748% | 5,856 |
| Return on assets (ROA) | -1.3593% | 5,854 |
| Pretax return on assets | -1.3593% | 5,848 |
| Return on Equity (ROE) | -35.0257% | 5,895 |
| Retained earnings to average equity (ytd only) | -35.0257% | 5,889 |
| Net charge-offs to loans | 4.0507% | 21 |
| Credit loss provision to net charge-offs | 13.2025% | 3,725 |
| Earnings coverage of net charge-offs (x) | -0.3417% | 4,151 |
| Efficiency ratio | 118.8253% | 88 |
| Assets per employee ($millions) | 2.2005% | 5,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 1,543 |
| Loan loss allowance to noncurrent loans | 6.9881% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 22.2623% | 2 |
| Noncurrent loans to loans | 22.0101% | 2 |
| Net loans and leases to total assets | 69.8197% | 2,510 |
| Net loans and leases to deposits | 75.7124% | 3,350 |
| Net loans and leases to core deposits | 78.3974% | 3,545 |
| Total domestic deposits to total assets | 92.2170% | 87 |
| Equity capital to assets | 3.8133% | 5,894 |
| Core capital (leverage) ratio | 3.9182% | 5,897 |
| Tier 1 risk-based capital ratio | 4.6854% | 5,898 |
| Total risk-based capital ratio | 5.9361% | 5,899 |
| Memoranda: | ||
| Average total assets | $77,247,400 | 4,788 |
| Average earning assets | $66,856,200 | 4,870 |
| Average equity | $2,997,800 | 5,759 |
| Average total loans | $55,349,000 | 4,423 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8014% | 3,912 |
| Cost of funding earning assets | 0.3174% | 3,898 |
| Net interest margin | 3.4840% | 3,530 |
| Noninterest income to average assets | 2.3445% | 284 |
| Noninterest expense to average assets | 5.9408% | 175 |
| Loan and lease loss provision to assets | 0.4367% | 310 |
| Net operating income to assets | -0.9881% | 5,905 |
| Return on assets (ROA) | -0.9299% | 5,902 |
| Pretax return on assets | -0.9299% | 5,895 |
| Return on Equity (ROE) | -23.8622% | 5,949 |
| Retained earnings to average equity (ytd only) | -23.8622% | 5,928 |
| Net charge-offs to loans | 5.1880% | 8 |
| Credit loss provision to net charge-offs | 11.7188% | 3,356 |
| Earnings coverage of net charge-offs (x) | -0.1480% | 3,829 |
| Efficiency ratio | 110.2320% | 120 |
| Assets per employee ($millions) | 2.4755% | 5,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 1,602 |
| Loan loss allowance to noncurrent loans | 5.6277% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 21.7934% | 2 |
| Noncurrent loans to loans | 27.6097% | 1 |
| Net loans and leases to total assets | 69.4367% | 2,580 |
| Net loans and leases to deposits | 72.4936% | 3,753 |
| Net loans and leases to core deposits | 75.9500% | 3,838 |
| Total domestic deposits to total assets | 95.7831% | 6 |
| Equity capital to assets | 3.8064% | 5,967 |
| Core capital (leverage) ratio | 3.7819% | 5,967 |
| Tier 1 risk-based capital ratio | 4.7383% | 5,968 |
| Total risk-based capital ratio | 5.9905% | 5,969 |
| Memoranda: | ||
| Average total assets | $77,855,000 | 4,814 |
| Average earning assets | $68,043,000 | 4,885 |
| Average equity | $3,034,000 | 5,818 |
| Average total loans | $55,923,000 | 4,441 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8223% | 3,880 |
| Cost of funding earning assets | 0.3422% | 3,649 |
| Net interest margin | 3.4801% | 3,564 |
| Noninterest income to average assets | 1.2965% | 683 |
| Noninterest expense to average assets | 6.1449% | 163 |
| Loan and lease loss provision to assets | 0.3324% | 497 |
| Net operating income to assets | -2.1378% | 6,019 |
| Return on assets (ROA) | -2.1046% | 6,018 |
| Pretax return on assets | -2.1046% | 6,012 |
| Return on Equity (ROE) | -53.8613% | 6,048 |
| Retained earnings to average equity (ytd only) | -53.8613% | 6,041 |
| Net charge-offs to loans | 4.4726% | 26 |
| Credit loss provision to net charge-offs | 10.2848% | 2,994 |
| Earnings coverage of net charge-offs (x) | -0.5585% | 3,577 |
| Efficiency ratio | 141.6028% | 50 |
| Assets per employee ($millions) | 2.2650% | 5,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9469% | 211 |
| Loan loss allowance to noncurrent loans | 11.5488% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 20.4600% | 4 |
| Noncurrent loans to loans | 25.5167% | 1 |
| Net loans and leases to total assets | 71.6881% | 2,220 |
| Net loans and leases to deposits | 75.1255% | 3,470 |
| Net loans and leases to core deposits | 76.5661% | 3,778 |
| Total domestic deposits to total assets | 95.4245% | 10 |
| Equity capital to assets | 3.5413% | 6,043 |
| Core capital (leverage) ratio | 3.3379% | 6,045 |
| Tier 1 risk-based capital ratio | 4.3502% | 6,047 |
| Total risk-based capital ratio | 5.6187% | 6,047 |
| Memoranda: | ||
| Average total assets | $78,211,330 | 4,858 |
| Average earning assets | $68,388,000 | 4,924 |
| Average equity | $3,056,000 | 5,886 |
| Average total loans | $56,522,000 | 4,459 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9198% | 3,512 |
| Cost of funding earning assets | 0.3693% | 3,406 |
| Net interest margin | 3.5505% | 3,276 |
| Noninterest income to average assets | 1.7167% | 421 |
| Noninterest expense to average assets | 6.3013% | 162 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.4564% | 6,056 |
| Return on assets (ROA) | -1.4064% | 6,055 |
| Pretax return on assets | -1.4064% | 6,048 |
| Return on Equity (ROE) | -34.7235% | 6,094 |
| Retained earnings to average equity (ytd only) | -34.7235% | 6,043 |
| Net charge-offs to loans | 1.8049% | 88 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -1.1279% | 3,007 |
| Efficiency ratio | 130.0620% | 71 |
| Assets per employee ($millions) | 2.4657% | 5,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4579% | 66 |
| Loan loss allowance to noncurrent loans | 19.3671% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 17.9362% | 12 |
| Noncurrent loans to loans | 23.0177% | 1 |
| Net loans and leases to total assets | 67.9894% | 2,651 |
| Net loans and leases to deposits | 71.1208% | 3,737 |
| Net loans and leases to core deposits | 72.6986% | 4,008 |
| Total domestic deposits to total assets | 95.5971% | 10 |
| Equity capital to assets | 3.9416% | 6,100 |
| Core capital (leverage) ratio | 3.8552% | 6,100 |
| Tier 1 risk-based capital ratio | 5.1801% | 6,102 |
| Total risk-based capital ratio | 6.4676% | 6,102 |
| Memoranda: | ||
| Average total assets | $79,920,500 | 4,860 |
| Average earning assets | $70,412,000 | 4,914 |
| Average equity | $3,237,000 | 5,918 |
| Average total loans | $57,177,500 | 4,462 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2747% | 2,294 |
| Cost of funding earning assets | 0.4323% | 2,826 |
| Net interest margin | 3.8424% | 2,226 |
| Noninterest income to average assets | 1.1098% | 954 |
| Noninterest expense to average assets | 5.9528% | 183 |
| Loan and lease loss provision to assets | 0.3347% | 470 |
| Net operating income to assets | -1.9130% | 6,136 |
| Return on assets (ROA) | -1.8989% | 6,136 |
| Pretax return on assets | -1.8966% | 6,135 |
| Return on Equity (ROE) | -39.4467% | 6,165 |
| Retained earnings to average equity (ytd only) | -39.4467% | 6,159 |
| Net charge-offs to loans | 2.7358% | 41 |
| Credit loss provision to net charge-offs | 17.0455% | 3,769 |
| Earnings coverage of net charge-offs (x) | -0.8026% | 4,324 |
| Efficiency ratio | 136.0075% | 54 |
| Assets per employee ($millions) | 2.5293% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7434% | 56 |
| Loan loss allowance to noncurrent loans | 20.5294% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 18.3249% | 10 |
| Noncurrent loans to loans | 23.1055% | 3 |
| Net loans and leases to total assets | 68.5034% | 2,624 |
| Net loans and leases to deposits | 72.1981% | 3,697 |
| Net loans and leases to core deposits | 77.9119% | 3,555 |
| Total domestic deposits to total assets | 94.8826% | 17 |
| Equity capital to assets | 4.1562% | 6,158 |
| Core capital (leverage) ratio | 4.1660% | 6,157 |
| Tier 1 risk-based capital ratio | 5.7064% | 6,160 |
| Total risk-based capital ratio | 6.9973% | 6,161 |
| Memoranda: | ||
| Average total assets | $85,153,000 | 4,762 |
| Average earning assets | $72,402,000 | 4,886 |
| Average equity | $4,099,200 | 5,837 |
| Average total loans | $61,115,800 | 4,347 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2048% | 2,561 |
| Cost of funding earning assets | 0.4421% | 2,769 |
| Net interest margin | 3.7627% | 2,516 |
| Noninterest income to average assets | 1.0347% | 1,115 |
| Noninterest expense to average assets | 5.7875% | 192 |
| Loan and lease loss provision to assets | 0.4408% | 253 |
| Net operating income to assets | -2.0214% | 6,226 |
| Return on assets (ROA) | -2.0029% | 6,227 |
| Pretax return on assets | -2.0029% | 6,224 |
| Return on Equity (ROE) | -40.3133% | 6,252 |
| Retained earnings to average equity (ytd only) | -40.3133% | 6,244 |
| Net charge-offs to loans | 1.7161% | 75 |
| Credit loss provision to net charge-offs | 35.8040% | 3,209 |
| Earnings coverage of net charge-offs (x) | -1.2839% | 4,063 |
| Efficiency ratio | 137.5735% | 54 |
| Assets per employee ($millions) | 2.3195% | 6,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1177% | 34 |
| Loan loss allowance to noncurrent loans | 32.3059% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 15.4845% | 19 |
| Noncurrent loans to loans | 18.9369% | 7 |
| Net loans and leases to total assets | 66.8395% | 2,872 |
| Net loans and leases to deposits | 70.3475% | 3,943 |
| Net loans and leases to core deposits | 76.2848% | 3,772 |
| Total domestic deposits to total assets | 95.0134% | 18 |
| Equity capital to assets | 4.4633% | 6,239 |
| Core capital (leverage) ratio | 4.3803% | 6,238 |
| Tier 1 risk-based capital ratio | 6.4835% | 6,242 |
| Total risk-based capital ratio | 7.7972% | 6,242 |
| Memoranda: | ||
| Average total assets | $86,206,500 | 4,800 |
| Average earning assets | $72,676,750 | 4,940 |
| Average equity | $4,283,000 | 5,884 |
| Average total loans | $61,843,000 | 4,370 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4176% | 1,796 |
| Cost of funding earning assets | 0.4385% | 2,857 |
| Net interest margin | 3.9792% | 1,704 |
| Noninterest income to average assets | 1.1090% | 986 |
| Noninterest expense to average assets | 5.7538% | 199 |
| Loan and lease loss provision to assets | 0.6544% | 133 |
| Net operating income to assets | -1.9654% | 6,302 |
| Return on assets (ROA) | -1.9378% | 6,302 |
| Pretax return on assets | -1.9378% | 6,301 |
| Return on Equity (ROE) | -37.7770% | 6,325 |
| Retained earnings to average equity (ytd only) | -37.7770% | 6,314 |
| Net charge-offs to loans | 2.4936% | 52 |
| Credit loss provision to net charge-offs | 36.4917% | 2,858 |
| Earnings coverage of net charge-offs (x) | -0.7311% | 3,760 |
| Efficiency ratio | 129.5090% | 79 |
| Assets per employee ($millions) | 2.5108% | 6,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0201% | 38 |
| Loan loss allowance to noncurrent loans | 33.6466% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 14.7467% | 30 |
| Noncurrent loans to loans | 17.8923% | 13 |
| Net loans and leases to total assets | 66.7826% | 2,822 |
| Net loans and leases to deposits | 70.4797% | 3,876 |
| Net loans and leases to core deposits | 78.4001% | 3,536 |
| Total domestic deposits to total assets | 94.7545% | 22 |
| Equity capital to assets | 4.7922% | 6,306 |
| Core capital (leverage) ratio | 4.8441% | 6,305 |
| Tier 1 risk-based capital ratio | 7.2338% | 6,304 |
| Total risk-based capital ratio | 8.5450% | 6,302 |
| Memoranda: | ||
| Average total assets | $87,107,670 | 4,833 |
| Average earning assets | $72,980,330 | 4,985 |
| Average equity | $4,468,330 | 5,900 |
| Average total loans | $62,640,670 | 4,384 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3382% | 1,976 |
| Cost of funding earning assets | 0.4393% | 2,884 |
| Net interest margin | 3.8989% | 1,898 |
| Noninterest income to average assets | 0.8098% | 1,677 |
| Noninterest expense to average assets | 5.9915% | 192 |
| Loan and lease loss provision to assets | 1.2966% | 52 |
| Net operating income to assets | -3.2483% | 6,391 |
| Return on assets (ROA) | -3.1937% | 6,390 |
| Pretax return on assets | -3.1937% | 6,388 |
| Return on Equity (ROE) | -61.6601% | 6,402 |
| Retained earnings to average equity (ytd only) | -61.6601% | 6,395 |
| Net charge-offs to loans | -0.0251% | 5,151 |
| Credit loss provision to net charge-offs | -7,125.0000% | 5,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.3108% | 52 |
| Assets per employee ($millions) | 2.7250% | 5,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7708% | 21 |
| Loan loss allowance to noncurrent loans | 26.6587% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 20.0183% | 9 |
| Noncurrent loans to loans | 25.3980% | 5 |
| Net loans and leases to total assets | 66.6835% | 2,653 |
| Net loans and leases to deposits | 70.5560% | 3,686 |
| Net loans and leases to core deposits | 78.4797% | 3,330 |
| Total domestic deposits to total assets | 94.5115% | 21 |
| Equity capital to assets | 4.8475% | 6,376 |
| Core capital (leverage) ratio | 4.7590% | 6,375 |
| Tier 1 risk-based capital ratio | 6.3989% | 6,384 |
| Total risk-based capital ratio | 6.9199% | 6,392 |
| Memoranda: | ||
| Average total assets | $87,924,000 | 4,864 |
| Average earning assets | $72,840,500 | 5,033 |
| Average equity | $4,554,000 | 5,939 |
| Average total loans | $63,800,500 | 4,370 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2529% | 474 |
| Cost of funding earning assets | 0.4399% | 3,274 |
| Net interest margin | 4.8131% | 427 |
| Noninterest income to average assets | 0.3670% | 4,453 |
| Noninterest expense to average assets | 3.4081% | 1,682 |
| Loan and lease loss provision to assets | 5.3188% | 6 |
| Net operating income to assets | -4.9507% | 6,495 |
| Return on assets (ROA) | -4.9213% | 6,495 |
| Pretax return on assets | -4.3608% | 6,491 |
| Return on Equity (ROE) | -78.8144% | 6,497 |
| Retained earnings to average equity (ytd only) | -78.8144% | 6,497 |
| Net charge-offs to loans | 2.2892% | 70 |
| Credit loss provision to net charge-offs | 309.1687% | 843 |
| Earnings coverage of net charge-offs (x) | 0.5397% | 4,619 |
| Efficiency ratio | 78.5887% | 2,120 |
| Assets per employee ($millions) | 2.8596% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0310% | 39 |
| Loan loss allowance to noncurrent loans | 22.3092% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 22.2825% | 7 |
| Noncurrent loans to loans | 27.0336% | 4 |
| Net loans and leases to total assets | 69.1454% | 2,374 |
| Net loans and leases to deposits | 73.5997% | 3,487 |
| Net loans and leases to core deposits | 81.7672% | 3,134 |
| Total domestic deposits to total assets | 93.9480% | 37 |
| Equity capital to assets | 5.5060% | 6,436 |
| Core capital (leverage) ratio | 5.5526% | 6,435 |
| Tier 1 risk-based capital ratio | 7.7550% | 6,450 |
| Total risk-based capital ratio | 9.0676% | 6,447 |
| Memoranda: | ||
| Average total assets | $95,097,000 | 4,719 |
| Average earning assets | $78,432,400 | 4,915 |
| Average equity | $5,938,000 | 5,634 |
| Average total loans | $71,466,000 | 4,138 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4375% | 347 |
| Cost of funding earning assets | 0.4314% | 3,450 |
| Net interest margin | 5.0061% | 295 |
| Noninterest income to average assets | 0.1875% | 5,793 |
| Noninterest expense to average assets | 2.3313% | 5,022 |
| Loan and lease loss provision to assets | 6.9733% | 2 |
| Net operating income to assets | -5.7242% | 6,579 |
| Return on assets (ROA) | -5.6856% | 6,580 |
| Pretax return on assets | -4.9508% | 6,578 |
| Return on Equity (ROE) | -88.6538% | 6,577 |
| Retained earnings to average equity (ytd only) | -88.6538% | 6,577 |
| Net charge-offs to loans | 2.9560% | 38 |
| Credit loss provision to net charge-offs | 312.4151% | 885 |
| Earnings coverage of net charge-offs (x) | 0.8888% | 4,288 |
| Efficiency ratio | 54.0256% | 5,822 |
| Assets per employee ($millions) | 2.8263% | 5,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9288% | 52 |
| Loan loss allowance to noncurrent loans | 34.9121% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 13.9480% | 46 |
| Noncurrent loans to loans | 16.9820% | 19 |
| Net loans and leases to total assets | 67.2149% | 2,657 |
| Net loans and leases to deposits | 71.8444% | 3,699 |
| Net loans and leases to core deposits | 81.8450% | 3,113 |
| Total domestic deposits to total assets | 93.5562% | 53 |
| Equity capital to assets | 5.7951% | 6,496 |
| Core capital (leverage) ratio | 5.4521% | 6,508 |
| Tier 1 risk-based capital ratio | 7.7166% | 6,514 |
| Total risk-based capital ratio | 9.0199% | 6,516 |
| Memoranda: | ||
| Average total assets | $96,709,250 | 4,728 |
| Average earning assets | $79,740,500 | 4,948 |
| Average equity | $6,202,250 | 5,640 |
| Average total loans | $73,025,000 | 4,115 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4555% | 335 |
| Cost of funding earning assets | 0.4195% | 3,664 |
| Net interest margin | 5.0360% | 265 |
| Noninterest income to average assets | 0.6377% | 2,617 |
| Noninterest expense to average assets | 4.0038% | 758 |
| Loan and lease loss provision to assets | 10.1373% | 1 |
| Net operating income to assets | -9.3566% | 6,654 |
| Return on assets (ROA) | -9.3177% | 6,654 |
| Pretax return on assets | -9.3177% | 6,653 |
| Return on Equity (ROE) | -140.9709% | 6,649 |
| Retained earnings to average equity (ytd only) | -140.9709% | 6,649 |
| Net charge-offs to loans | 4.7290% | 14 |
| Credit loss provision to net charge-offs | 279.1221% | 908 |
| Earnings coverage of net charge-offs (x) | 0.2150% | 4,092 |
| Efficiency ratio | 83.6822% | 1,550 |
| Assets per employee ($millions) | 3.0659% | 5,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0413% | 88 |
| Loan loss allowance to noncurrent loans | 130.1056% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 5.2048% | 337 |
| Noncurrent loans to loans | 3.8748% | 629 |
| Net loans and leases to total assets | 68.7910% | 2,279 |
| Net loans and leases to deposits | 75.5348% | 3,118 |
| Net loans and leases to core deposits | 86.1727% | 2,500 |
| Total domestic deposits to total assets | 91.0720% | 390 |
| Equity capital to assets | 4.9093% | 6,590 |
| Core capital (leverage) ratio | 4.3800% | 6,606 |
| Tier 1 risk-based capital ratio | 5.6405% | 6,619 |
| Total risk-based capital ratio | 6.9180% | 6,620 |
| Memoranda: | ||
| Average total assets | $97,856,330 | 4,732 |
| Average earning assets | $80,579,670 | 4,968 |
| Average equity | $6,468,000 | 5,607 |
| Average total loans | $75,153,000 | 4,071 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2677% | 434 |
| Cost of funding earning assets | 0.4293% | 3,657 |
| Net interest margin | 4.8384% | 359 |
| Noninterest income to average assets | 0.4200% | 4,032 |
| Noninterest expense to average assets | 3.8380% | 932 |
| Loan and lease loss provision to assets | 19.3687% | 1 |
| Net operating income to assets | -18.8032% | 6,728 |
| Return on assets (ROA) | -18.8032% | 6,728 |
| Pretax return on assets | -18.8032% | 6,728 |
| Return on Equity (ROE) | -250.5784% | 6,724 |
| Retained earnings to average equity (ytd only) | -250.5784% | 6,724 |
| Net charge-offs to loans | 9.2374% | 3 |
| Credit loss provision to net charge-offs | 265.1110% | 871 |
| Earnings coverage of net charge-offs (x) | 0.0774% | 3,424 |
| Efficiency ratio | 87.1577% | 1,326 |
| Assets per employee ($millions) | 2.8872% | 5,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5372% | 128 |
| Loan loss allowance to noncurrent loans | 46.5494% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 9.6191% | 122 |
| Noncurrent loans to loans | 9.7470% | 105 |
| Net loans and leases to total assets | 75.3681% | 1,079 |
| Net loans and leases to deposits | 84.3662% | 1,785 |
| Net loans and leases to core deposits | 100.1199% | 1,100 |
| Total domestic deposits to total assets | 89.3345% | 1,455 |
| Equity capital to assets | 5.2163% | 6,620 |
| Core capital (leverage) ratio | 4.5025% | 6,662 |
| Tier 1 risk-based capital ratio | 6.0931% | 6,676 |
| Total risk-based capital ratio | 7.3684% | 6,674 |
| Memoranda: | ||
| Average total assets | $96,196,500 | 4,817 |
| Average earning assets | $79,200,000 | 5,047 |
| Average equity | $7,218,500 | 5,461 |
| Average total loans | $76,082,000 | 4,064 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5407% | 334 |
| Cost of funding earning assets | 0.4672% | 3,938 |
| Net interest margin | 5.0735% | 274 |
| Noninterest income to average assets | 0.9969% | 1,403 |
| Noninterest expense to average assets | 3.8190% | 1,105 |
| Loan and lease loss provision to assets | 1.1314% | 150 |
| Net operating income to assets | 0.2362% | 5,728 |
| Return on assets (ROA) | 0.2362% | 5,793 |
| Pretax return on assets | 0.2680% | 5,810 |
| Return on Equity (ROE) | 2.2993% | 5,737 |
| Retained earnings to average equity (ytd only) | -0.2784% | 5,936 |
| Net charge-offs to loans | 1.5531% | 299 |
| Credit loss provision to net charge-offs | 93.1937% | 2,670 |
| Earnings coverage of net charge-offs (x) | 1.1527% | 4,687 |
| Efficiency ratio | 73.1831% | 3,261 |
| Assets per employee ($millions) | 3.0348% | 5,778 |
| Cash dividends to net income (ytd only)* | 112.1076% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6654% | 6,395 |
| Loan loss allowance to noncurrent loans | 9.5079% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 7.4778% | 220 |
| Noncurrent loans to loans | 6.9989% | 241 |
| Net loans and leases to total assets | 78.7003% | 744 |
| Net loans and leases to deposits | 100.1651% | 475 |
| Net loans and leases to core deposits | 121.4856% | 306 |
| Total domestic deposits to total assets | 78.5705% | 5,728 |
| Equity capital to assets | 9.7483% | 4,106 |
| Core capital (leverage) ratio | 9.9374% | 3,660 |
| Tier 1 risk-based capital ratio | 12.7691% | 5,134 |
| Total risk-based capital ratio | 13.4485% | 5,427 |
| Memoranda: | ||
| Average total assets | $94,396,600 | 4,882 |
| Average earning assets | $78,545,800 | 5,072 |
| Average equity | $9,698,400 | 4,920 |
| Average total loans | $73,787,600 | 4,138 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5167% | 364 |
| Cost of funding earning assets | 0.4890% | 3,880 |
| Net interest margin | 5.0276% | 303 |
| Noninterest income to average assets | 1.0001% | 1,454 |
| Noninterest expense to average assets | 3.7132% | 1,225 |
| Loan and lease loss provision to assets | 0.8565% | 211 |
| Net operating income to assets | 0.5990% | 4,351 |
| Return on assets (ROA) | 0.5990% | 4,475 |
| Pretax return on assets | 0.5990% | 5,012 |
| Return on Equity (ROE) | 5.7534% | 4,309 |
| Retained earnings to average equity (ytd only) | 2.3369% | 4,929 |
| Net charge-offs to loans | 1.3041% | 406 |
| Credit loss provision to net charge-offs | 84.3137% | 2,744 |
| Earnings coverage of net charge-offs (x) | 1.4328% | 4,356 |
| Efficiency ratio | 71.8415% | 3,437 |
| Assets per employee ($millions) | 2.9073% | 5,999 |
| Cash dividends to net income (ytd only)* | 59.3832% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6361% | 6,521 |
| Loan loss allowance to noncurrent loans | 9.1379% | 6,367 |
| Noncurrent assets plus other real estate owned to assets | 7.3973% | 263 |
| Noncurrent loans to loans | 6.9613% | 300 |
| Net loans and leases to total assets | 77.6621% | 788 |
| Net loans and leases to deposits | 95.7232% | 712 |
| Net loans and leases to core deposits | 117.8865% | 356 |
| Total domestic deposits to total assets | 81.1320% | 5,181 |
| Equity capital to assets | 10.0865% | 3,783 |
| Core capital (leverage) ratio | 10.3566% | 3,159 |
| Tier 1 risk-based capital ratio | 13.2844% | 4,915 |
| Total risk-based capital ratio | 13.9297% | 5,284 |
| Memoranda: | ||
| Average total assets | $93,717,250 | 4,942 |
| Average earning assets | $77,701,750 | 5,146 |
| Average equity | $9,756,250 | 4,960 |
| Average total loans | $72,999,250 | 4,197 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5988% | 322 |
| Cost of funding earning assets | 0.5135% | 3,773 |
| Net interest margin | 5.0853% | 267 |
| Noninterest income to average assets | 1.0454% | 1,396 |
| Noninterest expense to average assets | 3.7881% | 1,113 |
| Loan and lease loss provision to assets | 0.8432% | 245 |
| Net operating income to assets | 0.6324% | 4,144 |
| Return on assets (ROA) | 0.6324% | 4,294 |
| Pretax return on assets | 0.6324% | 4,903 |
| Return on Equity (ROE) | 6.0106% | 4,170 |
| Retained earnings to average equity (ytd only) | 6.0106% | 2,437 |
| Net charge-offs to loans | 1.4239% | 382 |
| Credit loss provision to net charge-offs | 76.1165% | 2,703 |
| Earnings coverage of net charge-offs (x) | 1.3320% | 4,098 |
| Efficiency ratio | 71.9657% | 3,474 |
| Assets per employee ($millions) | 2.7677% | 6,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6348% | 6,574 |
| Loan loss allowance to noncurrent loans | 14.7785% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 5.2327% | 568 |
| Noncurrent loans to loans | 4.2954% | 853 |
| Net loans and leases to total assets | 77.6825% | 785 |
| Net loans and leases to deposits | 90.8549% | 1,068 |
| Net loans and leases to core deposits | 111.0520% | 522 |
| Total domestic deposits to total assets | 85.5017% | 3,643 |
| Equity capital to assets | 10.4728% | 3,339 |
| Core capital (leverage) ratio | 10.4871% | 2,887 |
| Tier 1 risk-based capital ratio | 13.6252% | 4,693 |
| Total risk-based capital ratio | 14.2652% | 5,073 |
| Memoranda: | ||
| Average total assets | $92,976,330 | 4,987 |
| Average earning assets | $77,124,330 | 5,191 |
| Average equity | $9,782,670 | 4,990 |
| Average total loans | $72,337,000 | 4,231 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6087% | 308 |
| Cost of funding earning assets | 0.5515% | 3,560 |
| Net interest margin | 5.0572% | 265 |
| Noninterest income to average assets | 1.1037% | 1,214 |
| Noninterest expense to average assets | 3.8609% | 1,046 |
| Loan and lease loss provision to assets | 0.7878% | 278 |
| Net operating income to assets | 0.6622% | 3,894 |
| Return on assets (ROA) | 0.6622% | 4,049 |
| Pretax return on assets | 0.6622% | 4,741 |
| Return on Equity (ROE) | 6.2792% | 3,898 |
| Retained earnings to average equity (ytd only) | 6.2792% | 2,521 |
| Net charge-offs to loans | -0.0056% | 5,291 |
| Credit loss provision to net charge-offs | -18,200.0000% | 5,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6976% | 3,484 |
| Assets per employee ($millions) | 2.7909% | 6,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 5,684 |
| Loan loss allowance to noncurrent loans | 24.6886% | 6,207 |
| Noncurrent assets plus other real estate owned to assets | 5.3127% | 659 |
| Noncurrent loans to loans | 4.3787% | 975 |
| Net loans and leases to total assets | 76.7991% | 738 |
| Net loans and leases to deposits | 88.8091% | 1,069 |
| Net loans and leases to core deposits | 108.7934% | 537 |
| Total domestic deposits to total assets | 86.4767% | 3,252 |
| Equity capital to assets | 10.6536% | 3,376 |
| Core capital (leverage) ratio | 10.4574% | 2,836 |
| Tier 1 risk-based capital ratio | 13.2931% | 5,018 |
| Total risk-based capital ratio | 14.3415% | 5,101 |
| Memoranda: | ||
| Average total assets | $92,414,000 | 5,042 |
| Average earning assets | $76,881,000 | 5,239 |
| Average equity | $9,746,500 | 5,054 |
| Average total loans | $71,722,000 | 4,280 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8255% | 350 |
| Cost of funding earning assets | 0.7086% | 3,431 |
| Net interest margin | 5.1169% | 318 |
| Noninterest income to average assets | 0.9859% | 1,570 |
| Noninterest expense to average assets | 3.6633% | 1,478 |
| Loan and lease loss provision to assets | 0.3732% | 1,756 |
| Net operating income to assets | 0.8211% | 3,184 |
| Return on assets (ROA) | 0.8306% | 3,388 |
| Pretax return on assets | 1.2243% | 2,707 |
| Return on Equity (ROE) | 8.0480% | 3,060 |
| Retained earnings to average equity (ytd only) | 5.4350% | 2,425 |
| Net charge-offs to loans | 0.4353% | 2,493 |
| Credit loss provision to net charge-offs | 113.4426% | 2,564 |
| Earnings coverage of net charge-offs (x) | 4.8131% | 3,241 |
| Efficiency ratio | 69.8191% | 3,857 |
| Assets per employee ($millions) | 2.8099% | 6,301 |
| Cash dividends to net income (ytd only)* | 32.4675% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8201% | 6,447 |
| Loan loss allowance to noncurrent loans | 32.3288% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 3.7885% | 1,162 |
| Noncurrent loans to loans | 2.5369% | 2,084 |
| Net loans and leases to total assets | 76.9444% | 794 |
| Net loans and leases to deposits | 91.0389% | 982 |
| Net loans and leases to core deposits | 112.0149% | 469 |
| Total domestic deposits to total assets | 84.5182% | 4,077 |
| Equity capital to assets | 10.4402% | 3,603 |
| Core capital (leverage) ratio | 10.5069% | 2,758 |
| Tier 1 risk-based capital ratio | 13.1694% | 4,985 |
| Total risk-based capital ratio | 13.9747% | 5,248 |
| Memoranda: | ||
| Average total assets | $92,703,800 | 5,006 |
| Average earning assets | $77,194,600 | 5,210 |
| Average equity | $9,567,600 | 5,086 |
| Average total loans | $70,074,600 | 4,359 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8581% | 360 |
| Cost of funding earning assets | 0.7409% | 3,422 |
| Net interest margin | 5.1172% | 328 |
| Noninterest income to average assets | 0.9766% | 1,574 |
| Noninterest expense to average assets | 3.5685% | 1,615 |
| Loan and lease loss provision to assets | 0.2589% | 2,501 |
| Net operating income to assets | 1.0520% | 2,277 |
| Return on assets (ROA) | 1.0658% | 2,446 |
| Pretax return on assets | 1.4398% | 2,115 |
| Return on Equity (ROE) | 10.3570% | 2,194 |
| Retained earnings to average equity (ytd only) | 10.3570% | 826 |
| Net charge-offs to loans | 0.0460% | 5,008 |
| Credit loss provision to net charge-offs | 750.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 48.6653% | 772 |
| Efficiency ratio | 67.9912% | 4,067 |
| Assets per employee ($millions) | 2.8207% | 6,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 6,083 |
| Loan loss allowance to noncurrent loans | 19.0953% | 6,509 |
| Noncurrent assets plus other real estate owned to assets | 5.9237% | 681 |
| Noncurrent loans to loans | 5.2366% | 839 |
| Net loans and leases to total assets | 74.9850% | 1,114 |
| Net loans and leases to deposits | 86.8114% | 1,508 |
| Net loans and leases to core deposits | 106.9831% | 689 |
| Total domestic deposits to total assets | 86.3768% | 3,051 |
| Equity capital to assets | 10.6452% | 3,677 |
| Core capital (leverage) ratio | 10.4274% | 3,001 |
| Tier 1 risk-based capital ratio | 13.2822% | 5,036 |
| Total risk-based capital ratio | 14.2311% | 5,233 |
| Memoranda: | ||
| Average total assets | $92,697,750 | 5,061 |
| Average earning assets | $77,384,000 | 5,258 |
| Average equity | $9,539,250 | 5,143 |
| Average total loans | $69,608,500 | 4,408 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8397% | 380 |
| Cost of funding earning assets | 0.7752% | 3,400 |
| Net interest margin | 5.0646% | 361 |
| Noninterest income to average assets | 0.9766% | 1,525 |
| Noninterest expense to average assets | 3.5174% | 1,743 |
| Loan and lease loss provision to assets | 0.2593% | 2,504 |
| Net operating income to assets | 1.0743% | 2,149 |
| Return on assets (ROA) | 1.0954% | 2,288 |
| Pretax return on assets | 1.4627% | 1,974 |
| Return on Equity (ROE) | 10.7689% | 2,071 |
| Retained earnings to average equity (ytd only) | 10.7689% | 792 |
| Net charge-offs to loans | -0.0029% | 6,115 |
| Credit loss provision to net charge-offs | -12,000.0000% | 6,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4959% | 4,236 |
| Assets per employee ($millions) | 3.0084% | 6,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9733% | 6,249 |
| Loan loss allowance to noncurrent loans | 27.3917% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 4.8767% | 991 |
| Noncurrent loans to loans | 3.5534% | 1,615 |
| Net loans and leases to total assets | 73.0932% | 1,384 |
| Net loans and leases to deposits | 84.2617% | 1,821 |
| Net loans and leases to core deposits | 103.2693% | 903 |
| Total domestic deposits to total assets | 86.7455% | 2,931 |
| Equity capital to assets | 10.3636% | 3,855 |
| Core capital (leverage) ratio | 10.4696% | 2,834 |
| Tier 1 risk-based capital ratio | 12.9329% | 5,229 |
| Total risk-based capital ratio | 13.8322% | 5,491 |
| Memoranda: | ||
| Average total assets | $92,569,000 | 5,099 |
| Average earning assets | $77,400,670 | 5,290 |
| Average equity | $9,416,000 | 5,178 |
| Average total loans | $69,310,000 | 4,439 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8049% | 421 |
| Cost of funding earning assets | 0.7989% | 3,482 |
| Net interest margin | 5.0060% | 396 |
| Noninterest income to average assets | 1.0149% | 1,389 |
| Noninterest expense to average assets | 3.3831% | 2,046 |
| Loan and lease loss provision to assets | 0.2602% | 2,374 |
| Net operating income to assets | 1.2130% | 1,699 |
| Return on assets (ROA) | 1.2231% | 1,859 |
| Pretax return on assets | 1.5701% | 1,665 |
| Return on Equity (ROE) | 12.1401% | 1,643 |
| Retained earnings to average equity (ytd only) | 12.1401% | 809 |
| Net charge-offs to loans | -0.0058% | 5,817 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0542% | 4,728 |
| Assets per employee ($millions) | 2.9231% | 6,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 6,601 |
| Loan loss allowance to noncurrent loans | 25.8256% | 6,347 |
| Noncurrent assets plus other real estate owned to assets | 4.7777% | 1,101 |
| Noncurrent loans to loans | 3.3833% | 1,867 |
| Net loans and leases to total assets | 73.9838% | 1,068 |
| Net loans and leases to deposits | 85.1310% | 1,521 |
| Net loans and leases to core deposits | 106.9714% | 642 |
| Total domestic deposits to total assets | 86.9059% | 3,010 |
| Equity capital to assets | 10.0750% | 4,033 |
| Core capital (leverage) ratio | 10.3849% | 2,890 |
| Tier 1 risk-based capital ratio | 12.7212% | 5,422 |
| Total risk-based capital ratio | 13.5458% | 5,722 |
| Memoranda: | ||
| Average total assets | $92,224,000 | 5,149 |
| Average earning assets | $77,107,000 | 5,325 |
| Average equity | $9,291,500 | 5,216 |
| Average total loans | $69,547,000 | 4,461 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9125% | 506 |
| Cost of funding earning assets | 0.9159% | 3,999 |
| Net interest margin | 4.9966% | 415 |
| Noninterest income to average assets | 1.0644% | 1,184 |
| Noninterest expense to average assets | 3.8007% | 1,347 |
| Loan and lease loss provision to assets | 0.2675% | 3,537 |
| Net operating income to assets | 0.7969% | 3,051 |
| Return on assets (ROA) | 0.7969% | 3,218 |
| Pretax return on assets | 1.1766% | 2,543 |
| Return on Equity (ROE) | 7.9563% | 2,931 |
| Retained earnings to average equity (ytd only) | 7.9563% | 1,096 |
| Net charge-offs to loans | 0.3957% | 3,434 |
| Credit loss provision to net charge-offs | 87.4074% | 4,132 |
| Earnings coverage of net charge-offs (x) | 4.7185% | 3,003 |
| Efficiency ratio | 72.4660% | 3,485 |
| Assets per employee ($millions) | 2.8409% | 6,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7924% | 6,761 |
| Loan loss allowance to noncurrent loans | 33.8054% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 4.1041% | 1,395 |
| Noncurrent loans to loans | 2.3441% | 2,802 |
| Net loans and leases to total assets | 75.6044% | 1,006 |
| Net loans and leases to deposits | 87.0301% | 1,520 |
| Net loans and leases to core deposits | 110.6243% | 604 |
| Total domestic deposits to total assets | 86.8716% | 2,833 |
| Equity capital to assets | 10.0748% | 4,068 |
| Core capital (leverage) ratio | 10.2156% | 3,073 |
| Tier 1 risk-based capital ratio | 12.5098% | 5,439 |
| Total risk-based capital ratio | 13.2622% | 5,801 |
| Memoranda: | ||
| Average total assets | $88,221,000 | 5,232 |
| Average earning assets | $73,809,600 | 5,405 |
| Average equity | $8,835,800 | 5,326 |
| Average total loans | $68,231,400 | 4,551 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9498% | 512 |
| Cost of funding earning assets | 0.9448% | 4,080 |
| Net interest margin | 5.0050% | 408 |
| Noninterest income to average assets | 1.0874% | 1,135 |
| Noninterest expense to average assets | 3.6961% | 1,508 |
| Loan and lease loss provision to assets | 0.2132% | 3,891 |
| Net operating income to assets | 1.1285% | 1,884 |
| Return on assets (ROA) | 1.1285% | 2,006 |
| Pretax return on assets | 1.3569% | 2,096 |
| Return on Equity (ROE) | 11.2848% | 1,765 |
| Retained earnings to average equity (ytd only) | 11.2848% | 582 |
| Net charge-offs to loans | 0.1216% | 4,819 |
| Credit loss provision to net charge-offs | 225.8065% | 1,266 |
| Earnings coverage of net charge-offs (x) | 16.6299% | 1,391 |
| Efficiency ratio | 70.1851% | 3,929 |
| Assets per employee ($millions) | 2.8214% | 6,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 6,433 |
| Loan loss allowance to noncurrent loans | 32.9019% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 3.7814% | 1,640 |
| Noncurrent loans to loans | 2.9054% | 2,398 |
| Net loans and leases to total assets | 75.8565% | 1,000 |
| Net loans and leases to deposits | 87.3225% | 1,518 |
| Net loans and leases to core deposits | 108.0203% | 767 |
| Total domestic deposits to total assets | 86.8694% | 2,730 |
| Equity capital to assets | 10.1900% | 4,100 |
| Core capital (leverage) ratio | 10.2069% | 3,184 |
| Tier 1 risk-based capital ratio | 12.6520% | 5,365 |
| Total risk-based capital ratio | 13.5645% | 5,642 |
| Memoranda: | ||
| Average total assets | $87,548,750 | 5,284 |
| Average earning assets | $73,099,000 | 5,475 |
| Average equity | $8,755,000 | 5,371 |
| Average total loans | $67,969,000 | 4,600 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9062% | 574 |
| Cost of funding earning assets | 0.9811% | 4,077 |
| Net interest margin | 4.9250% | 460 |
| Noninterest income to average assets | 1.0850% | 1,101 |
| Noninterest expense to average assets | 3.6797% | 1,568 |
| Loan and lease loss provision to assets | 0.1847% | 4,071 |
| Net operating income to assets | 1.1035% | 1,864 |
| Return on assets (ROA) | 1.1035% | 1,947 |
| Pretax return on assets | 1.3112% | 2,102 |
| Return on Equity (ROE) | 11.1077% | 1,763 |
| Retained earnings to average equity (ytd only) | 11.1077% | 650 |
| Net charge-offs to loans | 0.1243% | 4,482 |
| Credit loss provision to net charge-offs | 190.4762% | 1,584 |
| Earnings coverage of net charge-offs (x) | 15.4286% | 1,407 |
| Efficiency ratio | 71.0972% | 3,920 |
| Assets per employee ($millions) | 2.9428% | 6,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9017% | 6,651 |
| Loan loss allowance to noncurrent loans | 43.5789% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 3.2282% | 2,078 |
| Noncurrent loans to loans | 2.0691% | 3,386 |
| Net loans and leases to total assets | 77.3065% | 869 |
| Net loans and leases to deposits | 95.0068% | 803 |
| Net loans and leases to core deposits | 119.0310% | 441 |
| Total domestic deposits to total assets | 81.3694% | 5,395 |
| Equity capital to assets | 10.0651% | 4,063 |
| Core capital (leverage) ratio | 10.0922% | 3,152 |
| Tier 1 risk-based capital ratio | 12.2885% | 5,526 |
| Total risk-based capital ratio | 13.1456% | 5,842 |
| Memoranda: | ||
| Average total assets | $86,636,670 | 5,354 |
| Average earning assets | $71,958,670 | 5,558 |
| Average equity | $8,606,670 | 5,430 |
| Average total loans | $67,576,000 | 4,656 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8612% | 655 |
| Cost of funding earning assets | 0.9975% | 4,221 |
| Net interest margin | 4.8637% | 500 |
| Noninterest income to average assets | 1.0861% | 1,114 |
| Noninterest expense to average assets | 3.5333% | 1,925 |
| Loan and lease loss provision to assets | 0.1398% | 4,258 |
| Net operating income to assets | 1.2958% | 1,276 |
| Return on assets (ROA) | 1.2958% | 1,318 |
| Pretax return on assets | 1.4357% | 1,635 |
| Return on Equity (ROE) | 13.1333% | 1,162 |
| Retained earnings to average equity (ytd only) | 13.1333% | 566 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1606% | 4,441 |
| Assets per employee ($millions) | 2.8374% | 6,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9033% | 6,692 |
| Loan loss allowance to noncurrent loans | 50.1637% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 2.8627% | 2,409 |
| Noncurrent loans to loans | 1.8007% | 3,828 |
| Net loans and leases to total assets | 76.4563% | 971 |
| Net loans and leases to deposits | 96.5113% | 658 |
| Net loans and leases to core deposits | 118.0215% | 473 |
| Total domestic deposits to total assets | 79.2201% | 6,139 |
| Equity capital to assets | 9.7988% | 4,037 |
| Core capital (leverage) ratio | 10.0961% | 3,044 |
| Tier 1 risk-based capital ratio | 11.0756% | 6,455 |
| Total risk-based capital ratio | 11.8557% | 6,727 |
| Memoranda: | ||
| Average total assets | $85,812,500 | 5,411 |
| Average earning assets | $70,975,000 | 5,634 |
| Average equity | $8,467,000 | 5,465 |
| Average total loans | $66,928,500 | 4,736 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8297% | 1,200 |
| Cost of funding earning assets | 1.2092% | 4,506 |
| Net interest margin | 4.6206% | 967 |
| Noninterest income to average assets | 1.1277% | 1,162 |
| Noninterest expense to average assets | 3.9562% | 1,228 |
| Loan and lease loss provision to assets | 0.1505% | 5,693 |
| Net operating income to assets | 0.6344% | 3,512 |
| Return on assets (ROA) | 0.6560% | 3,555 |
| Pretax return on assets | 0.9144% | 3,225 |
| Return on Equity (ROE) | 6.4084% | 3,393 |
| Retained earnings to average equity (ytd only) | 6.4084% | 1,615 |
| Net charge-offs to loans | 0.2283% | 4,914 |
| Credit loss provision to net charge-offs | 85.7143% | 5,304 |
| Earnings coverage of net charge-offs (x) | 5.8929% | 2,502 |
| Efficiency ratio | 79.2661% | 2,508 |
| Assets per employee ($millions) | 2.6989% | 6,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 6,767 |
| Loan loss allowance to noncurrent loans | 39.7139% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 3.6025% | 1,912 |
| Noncurrent loans to loans | 2.2245% | 3,302 |
| Net loans and leases to total assets | 78.1808% | 915 |
| Net loans and leases to deposits | 99.2278% | 622 |
| Net loans and leases to core deposits | 117.5192% | 592 |
| Total domestic deposits to total assets | 78.7892% | 6,137 |
| Equity capital to assets | 9.9384% | 3,829 |
| Core capital (leverage) ratio | 10.0362% | 3,053 |
| Tier 1 risk-based capital ratio | 12.0183% | 5,456 |
| Total risk-based capital ratio | 12.8501% | 5,832 |
| Memoranda: | ||
| Average total assets | $79,722,200 | 5,601 |
| Average earning assets | $66,658,200 | 5,779 |
| Average equity | $8,161,200 | 5,666 |
| Average total loans | $61,319,800 | 5,014 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7747% | 1,474 |
| Cost of funding earning assets | 1.2567% | 4,522 |
| Net interest margin | 4.5180% | 1,216 |
| Noninterest income to average assets | 1.1481% | 1,062 |
| Noninterest expense to average assets | 3.8372% | 1,303 |
| Loan and lease loss provision to assets | 0.1524% | 5,518 |
| Net operating income to assets | 0.8164% | 2,931 |
| Return on assets (ROA) | 0.8518% | 2,937 |
| Pretax return on assets | 0.9737% | 3,276 |
| Return on Equity (ROE) | 8.2564% | 2,809 |
| Retained earnings to average equity (ytd only) | 8.2564% | 1,327 |
| Net charge-offs to loans | 0.1219% | 5,328 |
| Credit loss provision to net charge-offs | 163.6364% | 2,300 |
| Earnings coverage of net charge-offs (x) | 11.6548% | 1,774 |
| Efficiency ratio | 77.9498% | 2,630 |
| Assets per employee ($millions) | 2.6531% | 6,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 6,394 |
| Loan loss allowance to noncurrent loans | 55.5265% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 3.3789% | 2,108 |
| Noncurrent loans to loans | 1.8014% | 3,945 |
| Net loans and leases to total assets | 76.7758% | 1,266 |
| Net loans and leases to deposits | 95.9971% | 979 |
| Net loans and leases to core deposits | 109.2758% | 1,079 |
| Total domestic deposits to total assets | 79.9771% | 5,717 |
| Equity capital to assets | 10.2449% | 3,825 |
| Core capital (leverage) ratio | 10.2356% | 2,998 |
| Tier 1 risk-based capital ratio | 12.3107% | 5,168 |
| Total risk-based capital ratio | 13.2452% | 5,436 |
| Memoranda: | ||
| Average total assets | $78,736,500 | 5,697 |
| Average earning assets | $65,779,750 | 5,867 |
| Average equity | $8,122,750 | 5,748 |
| Average total loans | $60,151,500 | 5,143 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7574% | 1,537 |
| Cost of funding earning assets | 1.2986% | 4,549 |
| Net interest margin | 4.4588% | 1,294 |
| Noninterest income to average assets | 1.1706% | 940 |
| Noninterest expense to average assets | 3.8934% | 1,194 |
| Loan and lease loss provision to assets | 0.1547% | 5,349 |
| Net operating income to assets | 0.7403% | 3,234 |
| Return on assets (ROA) | 0.7735% | 3,245 |
| Pretax return on assets | 0.8973% | 3,503 |
| Return on Equity (ROE) | 7.4797% | 3,120 |
| Retained earnings to average equity (ytd only) | 7.4797% | 1,643 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3484% | 2,523 |
| Assets per employee ($millions) | 2.7726% | 6,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 6,039 |
| Loan loss allowance to noncurrent loans | 32.1532% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 3.3629% | 2,089 |
| Noncurrent loans to loans | 3.3580% | 2,379 |
| Net loans and leases to total assets | 75.5441% | 1,583 |
| Net loans and leases to deposits | 93.8303% | 1,298 |
| Net loans and leases to core deposits | 108.8352% | 1,242 |
| Total domestic deposits to total assets | 80.5114% | 5,558 |
| Equity capital to assets | 10.2045% | 3,761 |
| Core capital (leverage) ratio | 10.4341% | 2,680 |
| Tier 1 risk-based capital ratio | 12.3476% | 4,996 |
| Total risk-based capital ratio | 13.3458% | 5,198 |
| Memoranda: | ||
| Average total assets | $77,566,670 | 5,763 |
| Average earning assets | $64,994,670 | 5,924 |
| Average equity | $8,021,670 | 5,795 |
| Average total loans | $58,941,000 | 5,229 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7362% | 1,652 |
| Cost of funding earning assets | 1.3097% | 4,756 |
| Net interest margin | 4.4265% | 1,310 |
| Noninterest income to average assets | 1.1031% | 1,036 |
| Noninterest expense to average assets | 3.7611% | 1,389 |
| Loan and lease loss provision to assets | 0.1576% | 4,957 |
| Net operating income to assets | 0.7512% | 3,203 |
| Return on assets (ROA) | 0.7512% | 3,307 |
| Pretax return on assets | 0.8773% | 3,552 |
| Return on Equity (ROE) | 7.2131% | 3,238 |
| Retained earnings to average equity (ytd only) | 7.2131% | 2,041 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4228% | 2,825 |
| Assets per employee ($millions) | 2.6473% | 6,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 6,066 |
| Loan loss allowance to noncurrent loans | 31.6658% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 3.4361% | 2,050 |
| Noncurrent loans to loans | 3.4326% | 2,321 |
| Net loans and leases to total assets | 75.0300% | 1,737 |
| Net loans and leases to deposits | 94.0487% | 1,342 |
| Net loans and leases to core deposits | 100.0330% | 2,124 |
| Total domestic deposits to total assets | 79.7778% | 5,866 |
| Equity capital to assets | 10.4348% | 3,311 |
| Core capital (leverage) ratio | 10.4605% | 2,656 |
| Tier 1 risk-based capital ratio | 12.5676% | 4,674 |
| Total risk-based capital ratio | 13.5565% | 4,858 |
| Memoranda: | ||
| Average total assets | $76,147,000 | 5,874 |
| Average earning assets | $63,526,500 | 6,041 |
| Average equity | $7,930,000 | 5,873 |
| Average total loans | $57,709,000 | 5,349 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8404% | 2,485 |
| Cost of funding earning assets | 1.5439% | 5,318 |
| Net interest margin | 4.2965% | 1,731 |
| Noninterest income to average assets | 1.2332% | 993 |
| Noninterest expense to average assets | 3.9305% | 1,468 |
| Loan and lease loss provision to assets | 0.1668% | 6,020 |
| Net operating income to assets | 0.5786% | 3,414 |
| Return on assets (ROA) | 0.6507% | 3,193 |
| Pretax return on assets | 0.9079% | 2,899 |
| Return on Equity (ROE) | 6.1237% | 3,165 |
| Retained earnings to average equity (ytd only) | 6.1237% | 1,309 |
| Net charge-offs to loans | -0.0094% | 7,746 |
| Credit loss provision to net charge-offs | -2,400.0000% | 7,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1304% | 2,867 |
| Assets per employee ($millions) | 2.6042% | 7,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 6,110 |
| Loan loss allowance to noncurrent loans | 31.3736% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 3.3924% | 1,998 |
| Noncurrent loans to loans | 3.3611% | 2,268 |
| Net loans and leases to total assets | 74.9186% | 2,053 |
| Net loans and leases to deposits | 95.4357% | 1,401 |
| Net loans and leases to core deposits | 122.0159% | 1,777 |
| Total domestic deposits to total assets | 78.5016% | 6,118 |
| Equity capital to assets | 10.3930% | 3,292 |
| Core capital (leverage) ratio | 10.7911% | 2,352 |
| Tier 1 risk-based capital ratio | 12.7034% | 4,361 |
| Total risk-based capital ratio | 13.6729% | 4,534 |
| Memoranda: | ||
| Average total assets | $71,923,800 | 5,944 |
| Average earning assets | $61,468,800 | 6,081 |
| Average equity | $7,642,400 | 6,038 |
| Average total loans | $53,160,200 | 5,539 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7849% | 2,953 |
| Cost of funding earning assets | 1.6248% | 5,286 |
| Net interest margin | 4.1601% | 2,176 |
| Noninterest income to average assets | 1.2446% | 996 |
| Noninterest expense to average assets | 3.7977% | 1,589 |
| Loan and lease loss provision to assets | 0.1690% | 5,669 |
| Net operating income to assets | 0.7176% | 3,145 |
| Return on assets (ROA) | 0.8297% | 2,757 |
| Pretax return on assets | 0.9987% | 2,908 |
| Return on Equity (ROE) | 7.7637% | 2,741 |
| Retained earnings to average equity (ytd only) | 7.7637% | 1,215 |
| Net charge-offs to loans | -0.0128% | 7,713 |
| Credit loss provision to net charge-offs | -1,800.0000% | 7,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6242% | 3,063 |
| Assets per employee ($millions) | 2.4301% | 7,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 6,007 |
| Loan loss allowance to noncurrent loans | 43.8744% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 2.1370% | 3,177 |
| Noncurrent loans to loans | 2.3927% | 3,152 |
| Net loans and leases to total assets | 76.6368% | 1,863 |
| Net loans and leases to deposits | 99.4366% | 1,163 |
| Net loans and leases to core deposits | 125.2412% | 1,795 |
| Total domestic deposits to total assets | 77.0710% | 6,319 |
| Equity capital to assets | 11.1715% | 2,852 |
| Core capital (leverage) ratio | 11.0945% | 2,338 |
| Tier 1 risk-based capital ratio | 13.3597% | 3,953 |
| Total risk-based capital ratio | 14.3318% | 4,067 |
| Memoranda: | ||
| Average total assets | $71,024,250 | 6,011 |
| Average earning assets | $61,215,250 | 6,136 |
| Average equity | $7,590,750 | 6,117 |
| Average total loans | $52,154,500 | 5,632 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7527% | 3,281 |
| Cost of funding earning assets | 1.7494% | 5,017 |
| Net interest margin | 4.0033% | 2,689 |
| Noninterest income to average assets | 1.2330% | 1,015 |
| Noninterest expense to average assets | 3.6934% | 1,853 |
| Loan and lease loss provision to assets | 0.1685% | 5,380 |
| Net operating income to assets | 0.6229% | 3,571 |
| Return on assets (ROA) | 0.6404% | 3,609 |
| Pretax return on assets | 0.8258% | 3,584 |
| Return on Equity (ROE) | 6.0827% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.0827% | 1,978 |
| Net charge-offs to loans | -0.0156% | 7,659 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1692% | 3,167 |
| Assets per employee ($millions) | 2.4677% | 7,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 6,045 |
| Loan loss allowance to noncurrent loans | 41.3425% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 2.1114% | 3,046 |
| Noncurrent loans to loans | 2.4806% | 2,922 |
| Net loans and leases to total assets | 73.0950% | 2,942 |
| Net loans and leases to deposits | 92.2411% | 2,424 |
| Net loans and leases to core deposits | 115.5260% | 2,757 |
| Total domestic deposits to total assets | 79.2435% | 5,737 |
| Equity capital to assets | 10.6214% | 3,277 |
| Core capital (leverage) ratio | 10.7691% | 2,592 |
| Tier 1 risk-based capital ratio | 13.4174% | 3,857 |
| Total risk-based capital ratio | 14.3665% | 3,980 |
| Memoranda: | ||
| Average total assets | $71,207,670 | 6,052 |
| Average earning assets | $61,049,670 | 6,180 |
| Average equity | $7,496,670 | 6,183 |
| Average total loans | $51,345,330 | 5,703 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6355% | 4,136 |
| Cost of funding earning assets | 1.8632% | 4,813 |
| Net interest margin | 3.7723% | 3,577 |
| Noninterest income to average assets | 1.2445% | 923 |
| Noninterest expense to average assets | 3.4915% | 2,124 |
| Loan and lease loss provision to assets | 0.1689% | 4,779 |
| Net operating income to assets | 0.5857% | 4,077 |
| Return on assets (ROA) | 0.5857% | 4,270 |
| Pretax return on assets | 0.8222% | 3,999 |
| Return on Equity (ROE) | 5.5880% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.5880% | 2,828 |
| Net charge-offs to loans | -0.0237% | 7,481 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8894% | 3,182 |
| Assets per employee ($millions) | 2.4634% | 7,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 6,206 |
| Loan loss allowance to noncurrent loans | 39.9531% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 2.0703% | 2,793 |
| Noncurrent loans to loans | 2.4961% | 2,633 |
| Net loans and leases to total assets | 71.0088% | 3,465 |
| Net loans and leases to deposits | 86.6908% | 3,521 |
| Net loans and leases to core deposits | 107.3745% | 3,757 |
| Total domestic deposits to total assets | 81.9104% | 4,583 |
| Equity capital to assets | 10.4985% | 3,466 |
| Core capital (leverage) ratio | 10.5949% | 2,829 |
| Tier 1 risk-based capital ratio | 13.3474% | 3,963 |
| Total risk-based capital ratio | 14.2523% | 4,107 |
| Memoranda: | ||
| Average total assets | $71,030,000 | 6,097 |
| Average earning assets | $60,970,500 | 6,215 |
| Average equity | $7,444,500 | 6,244 |
| Average total loans | $50,592,500 | 5,776 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9286% | 1,316 |
| Cost of funding earning assets | 2.2499% | 5,368 |
| Net interest margin | 4.6787% | 1,012 |
| Noninterest income to average assets | 1.3765% | 761 |
| Noninterest expense to average assets | 3.8731% | 1,615 |
| Loan and lease loss provision to assets | 0.1778% | 5,117 |
| Net operating income to assets | 0.9076% | 2,967 |
| Return on assets (ROA) | 0.9127% | 2,802 |
| Pretax return on assets | 1.3261% | 2,218 |
| Return on Equity (ROE) | 8.6724% | 2,764 |
| Retained earnings to average equity (ytd only) | 8.6724% | 662 |
| Net charge-offs to loans | 0.3892% | 2,873 |
| Credit loss provision to net charge-offs | 65.2174% | 6,153 |
| Earnings coverage of net charge-offs (x) | 5.4891% | 3,630 |
| Efficiency ratio | 72.1302% | 3,913 |
| Assets per employee ($millions) | 2.5222% | 7,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 6,363 |
| Loan loss allowance to noncurrent loans | 37.3729% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 2.0943% | 2,351 |
| Noncurrent loans to loans | 2.5608% | 2,123 |
| Net loans and leases to total assets | 70.0472% | 4,006 |
| Net loans and leases to deposits | 85.4060% | 4,193 |
| Net loans and leases to core deposits | 106.6695% | 4,118 |
| Total domestic deposits to total assets | 82.0167% | 4,195 |
| Equity capital to assets | 10.4629% | 3,545 |
| Core capital (leverage) ratio | 10.5448% | 2,942 |
| Tier 1 risk-based capital ratio | 13.3983% | 3,872 |
| Total risk-based capital ratio | 14.2600% | 4,021 |
| Memoranda: | ||
| Average total assets | $67,491,800 | 6,102 |
| Average earning assets | $57,601,800 | 6,275 |
| Average equity | $7,103,000 | 6,422 |
| Average total loans | $47,273,400 | 5,811 |