Home > Lawrenceburg Federal Bank > Performance and Condition Ratios
Lawrenceburg Federal 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 | 5.1477% | 1,763 |
| Cost of funding earning assets | 1.6867% | 1,477 |
| Net interest margin | 3.4609% | 2,273 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.9330% | 1,212 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.3788% | 3,915 |
| Return on assets (ROA) | 0.3788% | 3,910 |
| Pretax return on assets | 0.5346% | 3,755 |
| Return on Equity (ROE) | 1.7100% | 4,182 |
| Retained earnings to average equity (ytd only) | 1.7090% | 3,649 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.6262% | 583 |
| Assets per employee ($millions) | 5.5851% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2315% | 4,441 |
| Loan loss allowance to noncurrent loans | 71.8615% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.2954% | 1,773 |
| Noncurrent loans to loans | 0.3222% | 2,027 |
| Net loans and leases to total assets | 91.4800% | 23 |
| Net loans and leases to deposits | 119.9252% | 87 |
| Net loans and leases to core deposits | 141.5367% | 263 |
| Total domestic deposits to total assets | 76.2800% | 3,922 |
| Equity capital to assets | 21.6483% | 249 |
| Core capital (leverage) ratio | 21.3587% | 222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $75,757,600 | 4,055 |
| Average earning assets | $72,032,800 | 4,016 |
| Average equity | $16,793,200 | 3,111 |
| Average total loans | $67,936,800 | 3,581 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0107% | 1,809 |
| Cost of funding earning assets | 1.4991% | 1,608 |
| Net interest margin | 3.5116% | 2,182 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.9310% | 1,172 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | 0.4258% | 3,918 |
| Return on assets (ROA) | 0.4258% | 3,910 |
| Pretax return on assets | 0.5926% | 3,745 |
| Return on Equity (ROE) | 1.9100% | 4,204 |
| Retained earnings to average equity (ytd only) | 1.9093% | 3,742 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.3718% | 594 |
| Assets per employee ($millions) | 5.4863% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2441% | 4,459 |
| Loan loss allowance to noncurrent loans | 85.8586% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.2578% | 1,983 |
| Noncurrent loans to loans | 0.2843% | 2,218 |
| Net loans and leases to total assets | 90.4500% | 35 |
| Net loans and leases to deposits | 120.6837% | 71 |
| Net loans and leases to core deposits | 139.9021% | 221 |
| Total domestic deposits to total assets | 74.9500% | 4,092 |
| Equity capital to assets | 21.9769% | 242 |
| Core capital (leverage) ratio | 21.6741% | 215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $75,149,250 | 4,076 |
| Average earning assets | $71,418,500 | 4,038 |
| Average equity | $16,759,750 | 3,099 |
| Average total loans | $66,997,750 | 3,603 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8682% | 1,839 |
| Cost of funding earning assets | 1.3131% | 1,673 |
| Net interest margin | 3.5552% | 2,140 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.9841% | 1,069 |
| Loan and lease loss provision to assets | -0.1000% | 4,565 |
| Net operating income to assets | 0.4531% | 3,912 |
| Return on assets (ROA) | 0.4531% | 3,914 |
| Pretax return on assets | 0.6354% | 3,732 |
| Return on Equity (ROE) | 2.0200% | 4,270 |
| Retained earnings to average equity (ytd only) | 2.0216% | 3,722 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.8323% | 551 |
| Assets per employee ($millions) | 5.3074% | 3,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2402% | 4,493 |
| Loan loss allowance to noncurrent loans | 80.4020% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2678% | 1,866 |
| Noncurrent loans to loans | 0.2987% | 2,064 |
| Net loans and leases to total assets | 89.4400% | 44 |
| Net loans and leases to deposits | 119.2385% | 98 |
| Net loans and leases to core deposits | 136.2069% | 252 |
| Total domestic deposits to total assets | 75.0100% | 4,117 |
| Equity capital to assets | 22.6236% | 217 |
| Core capital (leverage) ratio | 22.2446% | 199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $74,596,333 | 4,106 |
| Average earning assets | $70,826,667 | 4,068 |
| Average equity | $16,719,667 | 3,128 |
| Average total loans | $66,115,667 | 3,620 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7032% | 1,844 |
| Cost of funding earning assets | 1.0320% | 1,944 |
| Net interest margin | 3.6712% | 1,967 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 3.1040% | 926 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3586% | 4,156 |
| Return on assets (ROA) | 0.3586% | 4,109 |
| Pretax return on assets | 0.5298% | 3,951 |
| Return on Equity (ROE) | 1.6100% | 4,336 |
| Retained earnings to average equity (ytd only) | 1.6072% | 3,765 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.4197% | 533 |
| Assets per employee ($millions) | 4.9622% | 3,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2993% | 4,538 |
| Loan loss allowance to noncurrent loans | 19,800.0000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 3,917 |
| Noncurrent loans to loans | 0.0015% | 3,863 |
| Net loans and leases to total assets | 88.6200% | 57 |
| Net loans and leases to deposits | 120.6067% | 81 |
| Net loans and leases to core deposits | 135.7250% | 222 |
| Total domestic deposits to total assets | 73.4800% | 4,309 |
| Equity capital to assets | 22.4470% | 185 |
| Core capital (leverage) ratio | 22.2877% | 204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.3359% | 148 |
| Memoranda: | ||
| Average total assets | $74,743,000 | 4,166 |
| Average earning assets | $70,930,500 | 4,124 |
| Average equity | $16,674,500 | 3,156 |
| Average total loans | $65,866,500 | 3,666 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3502% | 969 |
| Cost of funding earning assets | 0.5543% | 1,091 |
| Net interest margin | 3.7959% | 1,164 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.8155% | 1,285 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.7918% | 3,355 |
| Return on assets (ROA) | 0.7918% | 3,288 |
| Pretax return on assets | 0.9160% | 3,309 |
| Return on Equity (ROE) | 3.6800% | 4,206 |
| Retained earnings to average equity (ytd only) | 3.6773% | 3,505 |
| Net charge-offs to loans | 0.0016% | 2,497 |
| Credit loss provision to net charge-offs | 1,200.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 705.0000% | 253 |
| Efficiency ratio | 75.1323% | 1,108 |
| Assets per employee ($millions) | 5.0035% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3019% | 4,549 |
| Loan loss allowance to noncurrent loans | 19,800.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 3,941 |
| Noncurrent loans to loans | 0.0015% | 3,887 |
| Net loans and leases to total assets | 87.1100% | 100 |
| Net loans and leases to deposits | 119.2993% | 71 |
| Net loans and leases to core deposits | 128.1706% | 250 |
| Total domestic deposits to total assets | 73.0200% | 4,390 |
| Equity capital to assets | 22.1723% | 188 |
| Core capital (leverage) ratio | 21.7903% | 207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $75,651,400 | 4,174 |
| Average earning assets | $71,444,800 | 4,140 |
| Average equity | $16,289,200 | 3,248 |
| Average total loans | $62,611,000 | 3,686 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2269% | 847 |
| Cost of funding earning assets | 0.5218% | 673 |
| Net interest margin | 3.7051% | 1,122 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 2.8178% | 1,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6086% | 3,810 |
| Return on assets (ROA) | 0.6086% | 3,764 |
| Pretax return on assets | 0.8144% | 3,547 |
| Return on Equity (ROE) | 2.8500% | 4,316 |
| Retained earnings to average equity (ytd only) | 2.8474% | 3,810 |
| Net charge-offs to loans | 0.0022% | 2,198 |
| Credit loss provision to net charge-offs | -100.0000% | 4,641 |
| Earnings coverage of net charge-offs (x) | 462.0000% | 338 |
| Efficiency ratio | 77.6163% | 945 |
| Assets per employee ($millions) | 5.0859% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2910% | 4,591 |
| Loan loss allowance to noncurrent loans | 261.9718% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 1,980 |
| Noncurrent loans to loans | 0.1111% | 3,095 |
| Net loans and leases to total assets | 83.5500% | 281 |
| Net loans and leases to deposits | 109.3778% | 129 |
| Net loans and leases to core deposits | 116.0911% | 330 |
| Total domestic deposits to total assets | 76.3900% | 4,349 |
| Equity capital to assets | 21.4818% | 189 |
| Core capital (leverage) ratio | 21.2068% | 210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $75,801,000 | 4,202 |
| Average earning assets | $71,539,500 | 4,172 |
| Average equity | $16,201,250 | 3,295 |
| Average total loans | $61,870,250 | 3,721 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1230% | 740 |
| Cost of funding earning assets | 0.5213% | 457 |
| Net interest margin | 3.6017% | 1,063 |
| Noninterest income to average assets | 0.1349% | 4,336 |
| Noninterest expense to average assets | 2.8054% | 1,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5394% | 3,797 |
| Return on assets (ROA) | 0.5394% | 3,751 |
| Pretax return on assets | 0.7271% | 3,512 |
| Return on Equity (ROE) | 2.5280% | 4,290 |
| Retained earnings to average equity (ytd only) | 2.5280% | 3,612 |
| Net charge-offs to loans | 0.0033% | 1,939 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 275.0000% | 432 |
| Efficiency ratio | 79.4162% | 989 |
| Assets per employee ($millions) | 5.0675% | 3,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2992% | 4,661 |
| Loan loss allowance to noncurrent loans | 67.8832% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.5183% | 1,103 |
| Noncurrent loans to loans | 0.4408% | 1,797 |
| Net loans and leases to total assets | 81.5387% | 313 |
| Net loans and leases to deposits | 106.4528% | 130 |
| Net loans and leases to core deposits | 112.9723% | 299 |
| Total domestic deposits to total assets | 76.5961% | 4,432 |
| Equity capital to assets | 21.3727% | 141 |
| Core capital (leverage) ratio | 21.1465% | 160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,638,667 | 4,253 |
| Average earning assets | $71,355,333 | 4,232 |
| Average equity | $16,139,000 | 3,397 |
| Average total loans | $61,184,667 | 3,770 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0596% | 683 |
| Cost of funding earning assets | 0.5229% | 443 |
| Net interest margin | 3.5367% | 1,016 |
| Noninterest income to average assets | 0.1325% | 4,352 |
| Noninterest expense to average assets | 2.8416% | 1,079 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4612% | 3,810 |
| Return on assets (ROA) | 0.4612% | 3,773 |
| Pretax return on assets | 0.6256% | 3,566 |
| Return on Equity (ROE) | 2.1634% | 4,237 |
| Retained earnings to average equity (ytd only) | 2.1634% | 3,502 |
| Net charge-offs to loans | 0.0066% | 1,515 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 616 |
| Efficiency ratio | 81.9572% | 984 |
| Assets per employee ($millions) | 5.4015% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3085% | 4,682 |
| Loan loss allowance to noncurrent loans | 79.9145% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 0.4681% | 1,300 |
| Noncurrent loans to loans | 0.3860% | 2,103 |
| Net loans and leases to total assets | 79.9170% | 244 |
| Net loans and leases to deposits | 103.9689% | 117 |
| Net loans and leases to core deposits | 109.8560% | 262 |
| Total domestic deposits to total assets | 76.8662% | 4,471 |
| Equity capital to assets | 21.3287% | 137 |
| Core capital (leverage) ratio | 21.3284% | 140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,451,500 | 4,282 |
| Average earning assets | $71,139,500 | 4,256 |
| Average equity | $16,085,500 | 3,465 |
| Average total loans | $60,694,000 | 3,783 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 1,194 |
| Cost of funding earning assets | 0.6918% | 337 |
| Net interest margin | 3.3903% | 2,062 |
| Noninterest income to average assets | 0.1400% | 4,452 |
| Noninterest expense to average assets | 2.6443% | 1,766 |
| Loan and lease loss provision to assets | -0.0027% | 4,139 |
| Net operating income to assets | 0.5612% | 3,959 |
| Return on assets (ROA) | 0.5612% | 4,007 |
| Pretax return on assets | 0.6903% | 3,946 |
| Return on Equity (ROE) | 2.6384% | 4,424 |
| Retained earnings to average equity (ytd only) | 2.6384% | 3,783 |
| Net charge-offs to loans | 0.0084% | 2,266 |
| Credit loss provision to net charge-offs | -40.0000% | 3,235 |
| Earnings coverage of net charge-offs (x) | 102.2000% | 872 |
| Efficiency ratio | 79.3619% | 847 |
| Assets per employee ($millions) | 5.3773% | 3,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3094% | 4,724 |
| Loan loss allowance to noncurrent loans | 38.9234% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 0.8023% | 748 |
| Noncurrent loans to loans | 0.7948% | 1,282 |
| Net loans and leases to total assets | 80.4694% | 248 |
| Net loans and leases to deposits | 104.7355% | 122 |
| Net loans and leases to core deposits | 110.9607% | 271 |
| Total domestic deposits to total assets | 76.8311% | 4,469 |
| Equity capital to assets | 21.3092% | 142 |
| Core capital (leverage) ratio | 21.0517% | 144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.8836% | 125 |
| Memoranda: | ||
| Average total assets | $74,311,400 | 4,285 |
| Average earning assets | $69,964,400 | 4,258 |
| Average equity | $15,805,000 | 3,558 |
| Average total loans | $59,306,600 | 3,828 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0912% | 1,326 |
| Cost of funding earning assets | 0.7345% | 330 |
| Net interest margin | 3.3567% | 2,277 |
| Noninterest income to average assets | 0.1458% | 4,467 |
| Noninterest expense to average assets | 2.6839% | 1,631 |
| Loan and lease loss provision to assets | -0.0014% | 4,287 |
| Net operating income to assets | 0.4950% | 4,214 |
| Return on assets (ROA) | 0.4950% | 4,259 |
| Pretax return on assets | 0.6228% | 4,200 |
| Return on Equity (ROE) | 2.3286% | 4,548 |
| Retained earnings to average equity (ytd only) | 2.3286% | 4,103 |
| Net charge-offs to loans | 0.0113% | 1,908 |
| Credit loss provision to net charge-offs | -20.0000% | 3,079 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 1,072 |
| Efficiency ratio | 81.2092% | 688 |
| Assets per employee ($millions) | 5.3671% | 3,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3131% | 4,810 |
| Loan loss allowance to noncurrent loans | 15.7454% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.7501% | 248 |
| Noncurrent loans to loans | 1.9886% | 445 |
| Net loans and leases to total assets | 79.6564% | 310 |
| Net loans and leases to deposits | 103.6380% | 159 |
| Net loans and leases to core deposits | 110.9211% | 308 |
| Total domestic deposits to total assets | 76.8602% | 4,500 |
| Equity capital to assets | 21.1608% | 154 |
| Core capital (leverage) ratio | 20.9065% | 153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,068,750 | 4,344 |
| Average earning assets | $69,708,750 | 4,317 |
| Average equity | $15,745,750 | 3,609 |
| Average total loans | $58,941,500 | 3,888 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0839% | 1,383 |
| Cost of funding earning assets | 0.7810% | 316 |
| Net interest margin | 3.3029% | 2,423 |
| Noninterest income to average assets | 0.1465% | 4,465 |
| Noninterest expense to average assets | 2.7051% | 1,579 |
| Loan and lease loss provision to assets | -0.0054% | 4,397 |
| Net operating income to assets | 0.3934% | 4,395 |
| Return on assets (ROA) | 0.3934% | 4,433 |
| Pretax return on assets | 0.5562% | 4,303 |
| Return on Equity (ROE) | 1.8478% | 4,612 |
| Retained earnings to average equity (ytd only) | 1.8478% | 4,151 |
| Net charge-offs to loans | 0.0171% | 1,605 |
| Credit loss provision to net charge-offs | -40.0000% | 2,967 |
| Earnings coverage of net charge-offs (x) | 40.6000% | 1,157 |
| Efficiency ratio | 83.0833% | 608 |
| Assets per employee ($millions) | 4.9360% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3156% | 4,839 |
| Loan loss allowance to noncurrent loans | 15.2970% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.8247% | 250 |
| Noncurrent loans to loans | 2.0632% | 459 |
| Net loans and leases to total assets | 80.2012% | 303 |
| Net loans and leases to deposits | 104.4172% | 176 |
| Net loans and leases to core deposits | 111.2129% | 331 |
| Total domestic deposits to total assets | 76.8085% | 4,523 |
| Equity capital to assets | 21.2993% | 145 |
| Core capital (leverage) ratio | 21.0789% | 147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,712,000 | 4,372 |
| Average earning assets | $69,394,000 | 4,348 |
| Average equity | $15,694,333 | 3,616 |
| Average total loans | $58,575,000 | 3,918 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0833% | 1,432 |
| Cost of funding earning assets | 0.8317% | 304 |
| Net interest margin | 3.2516% | 2,545 |
| Noninterest income to average assets | 0.1414% | 4,497 |
| Noninterest expense to average assets | 2.7248% | 1,562 |
| Loan and lease loss provision to assets | -0.0218% | 4,607 |
| Net operating income to assets | 0.3481% | 4,451 |
| Return on assets (ROA) | 0.3481% | 4,481 |
| Pretax return on assets | 0.5004% | 4,349 |
| Return on Equity (ROE) | 1.6351% | 4,647 |
| Retained earnings to average equity (ytd only) | 1.6351% | 4,088 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0594% | 548 |
| Assets per employee ($millions) | 4.8890% | 3,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3262% | 4,863 |
| Loan loss allowance to noncurrent loans | 18.1387% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.6022% | 368 |
| Noncurrent loans to loans | 1.7986% | 647 |
| Net loans and leases to total assets | 79.5732% | 357 |
| Net loans and leases to deposits | 103.6078% | 212 |
| Net loans and leases to core deposits | 111.0297% | 381 |
| Total domestic deposits to total assets | 76.8023% | 4,532 |
| Equity capital to assets | 21.3922% | 139 |
| Core capital (leverage) ratio | 21.1620% | 151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,548,000 | 4,393 |
| Average earning assets | $69,258,500 | 4,367 |
| Average equity | $15,656,500 | 3,622 |
| Average total loans | $58,078,000 | 3,942 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4057% | 1,579 |
| Cost of funding earning assets | 1.2133% | 263 |
| Net interest margin | 3.1924% | 3,377 |
| Noninterest income to average assets | 0.2091% | 4,227 |
| Noninterest expense to average assets | 2.6125% | 2,507 |
| Loan and lease loss provision to assets | -0.0492% | 4,936 |
| Net operating income to assets | 0.4728% | 4,086 |
| Return on assets (ROA) | 0.4728% | 4,169 |
| Pretax return on assets | 0.6476% | 3,981 |
| Return on Equity (ROE) | 2.2367% | 4,531 |
| Retained earnings to average equity (ytd only) | 2.2367% | 3,735 |
| Net charge-offs to loans | 0.0034% | 3,255 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,166 |
| Earnings coverage of net charge-offs (x) | 219.0000% | 441 |
| Efficiency ratio | 81.3617% | 789 |
| Assets per employee ($millions) | 4.9174% | 3,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3385% | 4,885 |
| Loan loss allowance to noncurrent loans | 11.8758% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 2.3929% | 194 |
| Noncurrent loans to loans | 2.8502% | 325 |
| Net loans and leases to total assets | 77.8392% | 615 |
| Net loans and leases to deposits | 101.0703% | 331 |
| Net loans and leases to core deposits | 108.4796% | 557 |
| Total domestic deposits to total assets | 77.0150% | 4,410 |
| Equity capital to assets | 21.1833% | 160 |
| Core capital (leverage) ratio | 20.8447% | 159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,187,800 | 4,338 |
| Average earning assets | $68,819,600 | 4,316 |
| Average equity | $15,469,200 | 3,613 |
| Average total loans | $59,144,400 | 3,939 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4703% | 1,650 |
| Cost of funding earning assets | 1.2681% | 282 |
| Net interest margin | 3.2022% | 3,489 |
| Noninterest income to average assets | 0.2318% | 4,109 |
| Noninterest expense to average assets | 2.5774% | 2,608 |
| Loan and lease loss provision to assets | -0.0561% | 4,986 |
| Net operating income to assets | 0.5275% | 3,959 |
| Return on assets (ROA) | 0.5275% | 4,055 |
| Pretax return on assets | 0.7210% | 3,853 |
| Return on Equity (ROE) | 2.4972% | 4,480 |
| Retained earnings to average equity (ytd only) | 2.4972% | 3,747 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5045% | 903 |
| Assets per employee ($millions) | 5.3099% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3477% | 4,914 |
| Loan loss allowance to noncurrent loans | 13.4577% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 2.2451% | 263 |
| Noncurrent loans to loans | 2.5839% | 399 |
| Net loans and leases to total assets | 77.8716% | 846 |
| Net loans and leases to deposits | 100.9082% | 503 |
| Net loans and leases to core deposits | 108.6301% | 746 |
| Total domestic deposits to total assets | 77.1708% | 4,300 |
| Equity capital to assets | 20.9419% | 181 |
| Core capital (leverage) ratio | 21.0134% | 164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,044,500 | 4,350 |
| Average earning assets | $68,659,250 | 4,324 |
| Average equity | $15,430,250 | 3,615 |
| Average total loans | $59,528,000 | 3,947 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 1,707 |
| Cost of funding earning assets | 1.3168% | 338 |
| Net interest margin | 3.2584% | 3,497 |
| Noninterest income to average assets | 0.2782% | 3,806 |
| Noninterest expense to average assets | 2.6139% | 2,620 |
| Loan and lease loss provision to assets | -0.0413% | 5,015 |
| Net operating income to assets | 0.5536% | 3,876 |
| Return on assets (ROA) | 0.5536% | 3,956 |
| Pretax return on assets | 0.7657% | 3,687 |
| Return on Equity (ROE) | 2.6130% | 4,422 |
| Retained earnings to average equity (ytd only) | 2.6130% | 3,542 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3003% | 1,025 |
| Assets per employee ($millions) | 5.2611% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3619% | 4,929 |
| Loan loss allowance to noncurrent loans | 20.8855% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 1.6401% | 528 |
| Noncurrent loans to loans | 1.7326% | 828 |
| Net loans and leases to total assets | 81.1203% | 492 |
| Net loans and leases to deposits | 105.3625% | 333 |
| Net loans and leases to core deposits | 113.9984% | 593 |
| Total domestic deposits to total assets | 76.9917% | 4,318 |
| Equity capital to assets | 21.0166% | 178 |
| Core capital (leverage) ratio | 20.9790% | 174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,613,000 | 4,361 |
| Average earning assets | $68,194,000 | 4,342 |
| Average equity | $15,384,333 | 3,617 |
| Average total loans | $60,007,000 | 3,947 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6294% | 1,913 |
| Cost of funding earning assets | 1.3599% | 471 |
| Net interest margin | 3.2696% | 3,667 |
| Noninterest income to average assets | 0.3939% | 3,148 |
| Noninterest expense to average assets | 2.6688% | 2,786 |
| Loan and lease loss provision to assets | -0.0832% | 5,067 |
| Net operating income to assets | 0.6381% | 3,480 |
| Return on assets (ROA) | 0.6381% | 3,545 |
| Pretax return on assets | 0.8767% | 3,204 |
| Return on Equity (ROE) | 2.9994% | 4,218 |
| Retained earnings to average equity (ytd only) | 2.9994% | 3,084 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0833% | 1,449 |
| Assets per employee ($millions) | 4.5158% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3648% | 4,965 |
| Loan loss allowance to noncurrent loans | 18.4122% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 2.0539% | 397 |
| Noncurrent loans to loans | 1.9814% | 720 |
| Net loans and leases to total assets | 82.4021% | 403 |
| Net loans and leases to deposits | 107.2911% | 254 |
| Net loans and leases to core deposits | 116.2284% | 582 |
| Total domestic deposits to total assets | 76.8023% | 4,378 |
| Equity capital to assets | 21.3057% | 193 |
| Core capital (leverage) ratio | 21.2085% | 194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,091,500 | 4,372 |
| Average earning assets | $67,654,500 | 4,357 |
| Average equity | $15,336,500 | 3,626 |
| Average total loans | $60,027,000 | 3,960 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8846% | 1,797 |
| Cost of funding earning assets | 1.2495% | 892 |
| Net interest margin | 3.6351% | 3,017 |
| Noninterest income to average assets | 0.2701% | 4,063 |
| Noninterest expense to average assets | 2.8100% | 2,566 |
| Loan and lease loss provision to assets | 0.0307% | 3,402 |
| Net operating income to assets | 0.5489% | 4,291 |
| Return on assets (ROA) | 0.5489% | 4,351 |
| Pretax return on assets | 0.8437% | 3,897 |
| Return on Equity (ROE) | 2.4936% | 4,746 |
| Retained earnings to average equity (ytd only) | 2.4936% | 3,787 |
| Net charge-offs to loans | 0.0164% | 3,133 |
| Credit loss provision to net charge-offs | 210.0000% | 1,267 |
| Earnings coverage of net charge-offs (x) | 59.9000% | 981 |
| Efficiency ratio | 76.2678% | 1,330 |
| Assets per employee ($millions) | 4.4956% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3864% | 4,995 |
| Loan loss allowance to noncurrent loans | 13.1416% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 3.0391% | 174 |
| Noncurrent loans to loans | 2.9404% | 328 |
| Net loans and leases to total assets | 83.5048% | 368 |
| Net loans and leases to deposits | 108.7208% | 211 |
| Net loans and leases to core deposits | 117.1771% | 559 |
| Total domestic deposits to total assets | 76.8066% | 4,513 |
| Equity capital to assets | 21.2415% | 199 |
| Core capital (leverage) ratio | 21.2368% | 189 |
| Tier 1 risk-based capital ratio | 37.7884% | 278 |
| Total risk-based capital ratio | 38.3647% | 284 |
| Memoranda: | ||
| Average total assets | $68,504,200 | 4,452 |
| Average earning assets | $64,344,600 | 4,433 |
| Average equity | $15,078,800 | 3,631 |
| Average total loans | $61,103,000 | 3,962 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9071% | 1,800 |
| Cost of funding earning assets | 1.1916% | 1,055 |
| Net interest margin | 3.7154% | 2,866 |
| Noninterest income to average assets | 0.2779% | 4,084 |
| Noninterest expense to average assets | 2.8283% | 2,479 |
| Loan and lease loss provision to assets | 0.0296% | 3,310 |
| Net operating income to assets | 0.5932% | 4,314 |
| Return on assets (ROA) | 0.5932% | 4,365 |
| Pretax return on assets | 0.9106% | 3,839 |
| Return on Equity (ROE) | 2.6703% | 4,816 |
| Retained earnings to average equity (ytd only) | 2.6703% | 4,023 |
| Net charge-offs to loans | 0.0217% | 2,670 |
| Credit loss provision to net charge-offs | 150.0000% | 1,631 |
| Earnings coverage of net charge-offs (x) | 47.7104% | 1,232 |
| Efficiency ratio | 75.0523% | 1,440 |
| Assets per employee ($millions) | 5.0951% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3670% | 5,082 |
| Loan loss allowance to noncurrent loans | 19.2014% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 1.8589% | 515 |
| Noncurrent loans to loans | 1.9116% | 732 |
| Net loans and leases to total assets | 86.0033% | 192 |
| Net loans and leases to deposits | 112.1784% | 176 |
| Net loans and leases to core deposits | 119.7950% | 545 |
| Total domestic deposits to total assets | 76.6665% | 4,563 |
| Equity capital to assets | 21.3133% | 205 |
| Core capital (leverage) ratio | 21.9754% | 178 |
| Tier 1 risk-based capital ratio | 37.8844% | 283 |
| Total risk-based capital ratio | 38.4475% | 290 |
| Memoranda: | ||
| Average total assets | $67,647,750 | 4,524 |
| Average earning assets | $63,553,250 | 4,497 |
| Average equity | $15,028,750 | 3,669 |
| Average total loans | $61,304,250 | 4,003 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9477% | 1,618 |
| Cost of funding earning assets | 1.1391% | 1,166 |
| Net interest margin | 3.8086% | 2,562 |
| Noninterest income to average assets | 0.3403% | 3,655 |
| Noninterest expense to average assets | 2.8997% | 2,284 |
| Loan and lease loss provision to assets | 0.0120% | 3,518 |
| Net operating income to assets | 0.6384% | 4,201 |
| Return on assets (ROA) | 0.6384% | 4,248 |
| Pretax return on assets | 1.0027% | 3,532 |
| Return on Equity (ROE) | 2.8322% | 4,818 |
| Retained earnings to average equity (ytd only) | 2.8322% | 3,793 |
| Net charge-offs to loans | 0.0229% | 2,388 |
| Credit loss provision to net charge-offs | 57.1429% | 2,425 |
| Earnings coverage of net charge-offs (x) | 48.1429% | 1,121 |
| Efficiency ratio | 74.0769% | 1,634 |
| Assets per employee ($millions) | 5.1925% | 2,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3537% | 5,143 |
| Loan loss allowance to noncurrent loans | 19.9451% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 1.9511% | 483 |
| Noncurrent loans to loans | 1.7731% | 852 |
| Net loans and leases to total assets | 90.9958% | 36 |
| Net loans and leases to deposits | 120.3613% | 86 |
| Net loans and leases to core deposits | 126.7598% | 373 |
| Total domestic deposits to total assets | 75.6022% | 4,714 |
| Equity capital to assets | 22.3904% | 169 |
| Core capital (leverage) ratio | 22.6648% | 157 |
| Tier 1 risk-based capital ratio | 36.9988% | 293 |
| Total risk-based capital ratio | 37.5324% | 298 |
| Memoranda: | ||
| Average total assets | $66,420,000 | 4,578 |
| Average earning assets | $62,332,330 | 4,554 |
| Average equity | $14,970,670 | 3,681 |
| Average total loans | $61,214,670 | 4,021 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9535% | 1,467 |
| Cost of funding earning assets | 1.0799% | 1,256 |
| Net interest margin | 3.8735% | 2,272 |
| Noninterest income to average assets | 0.4493% | 2,856 |
| Noninterest expense to average assets | 2.8962% | 2,290 |
| Loan and lease loss provision to assets | -0.0971% | 5,288 |
| Net operating income to assets | 0.8379% | 3,491 |
| Return on assets (ROA) | 0.8379% | 3,530 |
| Pretax return on assets | 1.2872% | 2,503 |
| Return on Equity (ROE) | 3.7049% | 4,637 |
| Retained earnings to average equity (ytd only) | 3.7049% | 3,440 |
| Net charge-offs to loans | 0.0197% | 2,061 |
| Credit loss provision to net charge-offs | -533.3333% | 3,816 |
| Earnings coverage of net charge-offs (x) | 65.3333% | 877 |
| Efficiency ratio | 70.8767% | 2,208 |
| Assets per employee ($millions) | 5.0818% | 2,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3301% | 5,225 |
| Loan loss allowance to noncurrent loans | 16.9748% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 2.0284% | 476 |
| Noncurrent loans to loans | 1.9445% | 771 |
| Net loans and leases to total assets | 92.3300% | 19 |
| Net loans and leases to deposits | 123.8497% | 65 |
| Net loans and leases to core deposits | 130.6432% | 302 |
| Total domestic deposits to total assets | 74.5501% | 4,887 |
| Equity capital to assets | 22.6572% | 155 |
| Core capital (leverage) ratio | 22.7671% | 157 |
| Tier 1 risk-based capital ratio | 36.8144% | 282 |
| Total risk-based capital ratio | 37.3112% | 295 |
| Memoranda: | ||
| Average total assets | $65,879,000 | 4,640 |
| Average earning assets | $61,855,500 | 4,617 |
| Average equity | $14,899,000 | 3,708 |
| Average total loans | $61,001,000 | 4,071 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8129% | 1,517 |
| Cost of funding earning assets | 0.9417% | 962 |
| Net interest margin | 3.8712% | 2,424 |
| Noninterest income to average assets | 0.1943% | 4,743 |
| Noninterest expense to average assets | 2.8984% | 2,360 |
| Loan and lease loss provision to assets | 0.0202% | 3,757 |
| Net operating income to assets | 0.6543% | 4,271 |
| Return on assets (ROA) | 0.6543% | 4,277 |
| Pretax return on assets | 0.9045% | 3,885 |
| Return on Equity (ROE) | 2.8812% | 4,924 |
| Retained earnings to average equity (ytd only) | 2.8812% | 3,961 |
| Net charge-offs to loans | 0.0051% | 3,536 |
| Credit loss provision to net charge-offs | 433.3333% | 779 |
| Earnings coverage of net charge-offs (x) | 198.3333% | 459 |
| Efficiency ratio | 75.8130% | 1,390 |
| Assets per employee ($millions) | 5.0535% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3635% | 5,242 |
| Loan loss allowance to noncurrent loans | 21.2296% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 1.8129% | 567 |
| Noncurrent loans to loans | 1.7121% | 842 |
| Net loans and leases to total assets | 92.2186% | 27 |
| Net loans and leases to deposits | 122.0496% | 84 |
| Net loans and leases to core deposits | 127.2993% | 369 |
| Total domestic deposits to total assets | 75.5583% | 4,804 |
| Equity capital to assets | 22.5740% | 156 |
| Core capital (leverage) ratio | 22.5833% | 154 |
| Tier 1 risk-based capital ratio | 37.3166% | 270 |
| Total risk-based capital ratio | 37.8727% | 281 |
| Memoranda: | ||
| Average total assets | $64,346,800 | 4,686 |
| Average earning assets | $60,316,600 | 4,660 |
| Average equity | $14,611,800 | 3,682 |
| Average total loans | $59,384,200 | 4,108 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7709% | 1,492 |
| Cost of funding earning assets | 0.9115% | 877 |
| Net interest margin | 3.8594% | 2,437 |
| Noninterest income to average assets | 0.2020% | 4,761 |
| Noninterest expense to average assets | 2.8849% | 2,350 |
| Loan and lease loss provision to assets | 0.0104% | 3,783 |
| Net operating income to assets | 0.6811% | 4,284 |
| Return on assets (ROA) | 0.6811% | 4,296 |
| Pretax return on assets | 0.9228% | 3,942 |
| Return on Equity (ROE) | 2.9950% | 5,005 |
| Retained earnings to average equity (ytd only) | 2.9950% | 4,238 |
| Net charge-offs to loans | 0.0068% | 3,191 |
| Credit loss provision to net charge-offs | 166.6667% | 1,591 |
| Earnings coverage of net charge-offs (x) | 149.3300% | 546 |
| Efficiency ratio | 75.5592% | 1,404 |
| Assets per employee ($millions) | 5.0188% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3565% | 5,324 |
| Loan loss allowance to noncurrent loans | 30.9696% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 1.2890% | 1,065 |
| Noncurrent loans to loans | 1.1512% | 1,472 |
| Net loans and leases to total assets | 91.6714% | 33 |
| Net loans and leases to deposits | 123.6735% | 77 |
| Net loans and leases to core deposits | 127.7003% | 374 |
| Total domestic deposits to total assets | 74.1237% | 4,967 |
| Equity capital to assets | 22.5841% | 151 |
| Core capital (leverage) ratio | 22.6574% | 150 |
| Tier 1 risk-based capital ratio | 37.3142% | 267 |
| Total risk-based capital ratio | 37.8561% | 279 |
| Memoranda: | ||
| Average total assets | $64,009,750 | 4,739 |
| Average earning assets | $59,972,750 | 4,715 |
| Average equity | $14,557,250 | 3,716 |
| Average total loans | $59,029,250 | 4,163 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7562% | 1,365 |
| Cost of funding earning assets | 0.8733% | 816 |
| Net interest margin | 3.8829% | 2,267 |
| Noninterest income to average assets | 0.1981% | 4,830 |
| Noninterest expense to average assets | 2.9529% | 2,191 |
| Loan and lease loss provision to assets | 0.0126% | 3,609 |
| Net operating income to assets | 0.5881% | 4,533 |
| Return on assets (ROA) | 0.5881% | 4,533 |
| Pretax return on assets | 0.8680% | 4,060 |
| Return on Equity (ROE) | 2.5797% | 5,087 |
| Retained earnings to average equity (ytd only) | 2.5797% | 4,227 |
| Net charge-offs to loans | -0.0034% | 4,030 |
| Credit loss provision to net charge-offs | -400.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0304% | 1,313 |
| Assets per employee ($millions) | 5.4288% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3595% | 5,389 |
| Loan loss allowance to noncurrent loans | 23.3010% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 1.6548% | 753 |
| Noncurrent loans to loans | 1.5430% | 1,073 |
| Net loans and leases to total assets | 91.8904% | 29 |
| Net loans and leases to deposits | 124.5438% | 73 |
| Net loans and leases to core deposits | 128.6055% | 359 |
| Total domestic deposits to total assets | 73.7816% | 5,066 |
| Equity capital to assets | 22.4054% | 155 |
| Core capital (leverage) ratio | 22.5111% | 145 |
| Tier 1 risk-based capital ratio | 37.1418% | 274 |
| Total risk-based capital ratio | 37.6915% | 285 |
| Memoranda: | ||
| Average total assets | $63,598,000 | 4,794 |
| Average earning assets | $59,543,000 | 4,778 |
| Average equity | $14,498,000 | 3,747 |
| Average total loans | $58,697,330 | 4,195 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7136% | 1,278 |
| Cost of funding earning assets | 0.8230% | 856 |
| Net interest margin | 3.8906% | 2,080 |
| Noninterest income to average assets | 0.1528% | 5,101 |
| Noninterest expense to average assets | 2.9925% | 2,085 |
| Loan and lease loss provision to assets | 0.0191% | 3,287 |
| Net operating income to assets | 0.5221% | 4,640 |
| Return on assets (ROA) | 0.5221% | 4,641 |
| Pretax return on assets | 0.7831% | 4,196 |
| Return on Equity (ROE) | 2.2701% | 5,140 |
| Retained earnings to average equity (ytd only) | 2.2701% | 4,258 |
| Net charge-offs to loans | -0.0069% | 4,116 |
| Credit loss provision to net charge-offs | -300.0000% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8591% | 1,273 |
| Assets per employee ($millions) | 5.2658% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3722% | 5,449 |
| Loan loss allowance to noncurrent loans | 28.0156% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 1.4749% | 955 |
| Noncurrent loans to loans | 1.3286% | 1,344 |
| Net loans and leases to total assets | 91.4923% | 35 |
| Net loans and leases to deposits | 124.5374% | 72 |
| Net loans and leases to core deposits | 129.4565% | 351 |
| Total domestic deposits to total assets | 73.4657% | 5,197 |
| Equity capital to assets | 22.9308% | 140 |
| Core capital (leverage) ratio | 22.7673% | 135 |
| Tier 1 risk-based capital ratio | 41.5151% | 208 |
| Total risk-based capital ratio | 42.1339% | 215 |
| Memoranda: | ||
| Average total assets | $62,824,500 | 4,874 |
| Average earning assets | $58,808,500 | 4,853 |
| Average equity | $14,449,000 | 3,782 |
| Average total loans | $58,007,000 | 4,248 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6263% | 1,359 |
| Cost of funding earning assets | 0.7624% | 778 |
| Net interest margin | 3.8639% | 2,210 |
| Noninterest income to average assets | 0.3038% | 4,286 |
| Noninterest expense to average assets | 2.6739% | 3,218 |
| Loan and lease loss provision to assets | 0.0146% | 4,001 |
| Net operating income to assets | 0.9341% | 2,525 |
| Return on assets (ROA) | 0.9341% | 2,562 |
| Pretax return on assets | 1.2297% | 2,639 |
| Return on Equity (ROE) | 4.0705% | 4,483 |
| Retained earnings to average equity (ytd only) | 4.0705% | 2,738 |
| Net charge-offs to loans | 0.0107% | 3,716 |
| Credit loss provision to net charge-offs | 150.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 127.6667% | 534 |
| Efficiency ratio | 68.2421% | 2,846 |
| Assets per employee ($millions) | 5.6781% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3656% | 5,512 |
| Loan loss allowance to noncurrent loans | 16.6929% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 2.3359% | 422 |
| Noncurrent loans to loans | 2.1903% | 666 |
| Net loans and leases to total assets | 92.4959% | 28 |
| Net loans and leases to deposits | 124.0115% | 77 |
| Net loans and leases to core deposits | 128.8777% | 367 |
| Total domestic deposits to total assets | 74.5865% | 5,128 |
| Equity capital to assets | 23.0679% | 131 |
| Core capital (leverage) ratio | 22.7001% | 128 |
| Tier 1 risk-based capital ratio | 41.1246% | 199 |
| Total risk-based capital ratio | 41.7297% | 205 |
| Memoranda: | ||
| Average total assets | $61,558,400 | 4,936 |
| Average earning assets | $57,584,200 | 4,917 |
| Average equity | $14,126,200 | 3,830 |
| Average total loans | $55,969,200 | 4,291 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6000% | 1,367 |
| Cost of funding earning assets | 0.7485% | 763 |
| Net interest margin | 3.8516% | 2,217 |
| Noninterest income to average assets | 0.3478% | 4,047 |
| Noninterest expense to average assets | 2.6043% | 3,400 |
| Loan and lease loss provision to assets | 0.0152% | 3,837 |
| Net operating income to assets | 1.0348% | 2,396 |
| Return on assets (ROA) | 1.0348% | 2,432 |
| Pretax return on assets | 1.3304% | 2,359 |
| Return on Equity (ROE) | 4.5152% | 4,708 |
| Retained earnings to average equity (ytd only) | 4.5152% | 3,215 |
| Net charge-offs to loans | 0.0144% | 3,234 |
| Credit loss provision to net charge-offs | 116.6667% | 2,050 |
| Earnings coverage of net charge-offs (x) | 103.1638% | 675 |
| Efficiency ratio | 65.9329% | 3,222 |
| Assets per employee ($millions) | 5.6887% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3646% | 5,586 |
| Loan loss allowance to noncurrent loans | 17.8632% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 2.1782% | 564 |
| Noncurrent loans to loans | 2.0409% | 829 |
| Net loans and leases to total assets | 91.2794% | 46 |
| Net loans and leases to deposits | 126.0794% | 58 |
| Net loans and leases to core deposits | 130.3759% | 338 |
| Total domestic deposits to total assets | 72.3984% | 5,352 |
| Equity capital to assets | 22.8682% | 132 |
| Core capital (leverage) ratio | 22.9654% | 126 |
| Tier 1 risk-based capital ratio | 40.3349% | 221 |
| Total risk-based capital ratio | 40.9240% | 227 |
| Memoranda: | ||
| Average total assets | $61,333,250 | 4,989 |
| Average earning assets | $57,360,750 | 4,977 |
| Average equity | $14,055,750 | 3,878 |
| Average total loans | $55,465,500 | 4,346 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5744% | 1,313 |
| Cost of funding earning assets | 0.7378% | 728 |
| Net interest margin | 3.8366% | 2,145 |
| Noninterest income to average assets | 0.1806% | 5,151 |
| Noninterest expense to average assets | 2.6166% | 3,382 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9028% | 2,898 |
| Return on assets (ROA) | 0.9028% | 2,949 |
| Pretax return on assets | 1.1491% | 2,980 |
| Return on Equity (ROE) | 3.9367% | 4,843 |
| Retained earnings to average equity (ytd only) | 3.9367% | 3,353 |
| Net charge-offs to loans | 0.0255% | 2,701 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 1,074 |
| Efficiency ratio | 69.4856% | 2,768 |
| Assets per employee ($millions) | 5.5991% | 1,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3586% | 5,633 |
| Loan loss allowance to noncurrent loans | 21.5665% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 2.0604% | 604 |
| Noncurrent loans to loans | 1.6626% | 1,106 |
| Net loans and leases to total assets | 90.6884% | 65 |
| Net loans and leases to deposits | 122.1034% | 78 |
| Net loans and leases to core deposits | 126.2174% | 391 |
| Total domestic deposits to total assets | 74.2718% | 5,266 |
| Equity capital to assets | 22.9079% | 127 |
| Core capital (leverage) ratio | 22.9072% | 125 |
| Tier 1 risk-based capital ratio | 38.3418% | 237 |
| Total risk-based capital ratio | 38.8880% | 244 |
| Memoranda: | ||
| Average total assets | $60,919,000 | 5,041 |
| Average earning assets | $56,925,670 | 5,024 |
| Average equity | $13,971,000 | 3,890 |
| Average total loans | $54,844,670 | 4,392 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5063% | 1,355 |
| Cost of funding earning assets | 0.7286% | 727 |
| Net interest margin | 3.7776% | 2,192 |
| Noninterest income to average assets | 0.1981% | 5,082 |
| Noninterest expense to average assets | 2.5684% | 3,595 |
| Loan and lease loss provision to assets | 0.0132% | 3,394 |
| Net operating income to assets | 0.8979% | 2,774 |
| Return on assets (ROA) | 0.8979% | 2,822 |
| Pretax return on assets | 1.1422% | 2,812 |
| Return on Equity (ROE) | 3.9131% | 4,811 |
| Retained earnings to average equity (ytd only) | 3.9131% | 3,491 |
| Net charge-offs to loans | 0.0295% | 2,171 |
| Credit loss provision to net charge-offs | 50.0000% | 1,981 |
| Earnings coverage of net charge-offs (x) | 43.7500% | 971 |
| Efficiency ratio | 68.9716% | 3,054 |
| Assets per employee ($millions) | 5.4851% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3781% | 5,701 |
| Loan loss allowance to noncurrent loans | 27.5401% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 1.8231% | 770 |
| Noncurrent loans to loans | 1.3728% | 1,466 |
| Net loans and leases to total assets | 89.9629% | 56 |
| Net loans and leases to deposits | 120.4322% | 83 |
| Net loans and leases to core deposits | 122.0790% | 411 |
| Total domestic deposits to total assets | 74.7000% | 5,363 |
| Equity capital to assets | 23.1537% | 129 |
| Core capital (leverage) ratio | 23.4054% | 118 |
| Tier 1 risk-based capital ratio | 39.1426% | 234 |
| Total risk-based capital ratio | 39.7198% | 241 |
| Memoranda: | ||
| Average total assets | $60,583,500 | 5,104 |
| Average earning assets | $56,543,500 | 5,088 |
| Average equity | $13,902,000 | 3,937 |
| Average total loans | $54,239,000 | 4,449 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5224% | 1,469 |
| Cost of funding earning assets | 0.7118% | 775 |
| Net interest margin | 3.8106% | 2,280 |
| Noninterest income to average assets | 0.3012% | 4,585 |
| Noninterest expense to average assets | 2.9164% | 2,617 |
| Loan and lease loss provision to assets | -0.0359% | 5,550 |
| Net operating income to assets | 0.7394% | 3,594 |
| Return on assets (ROA) | 0.7394% | 3,707 |
| Pretax return on assets | 0.9755% | 3,556 |
| Return on Equity (ROE) | 3.1729% | 5,109 |
| Retained earnings to average equity (ytd only) | 3.1729% | 3,653 |
| Net charge-offs to loans | 0.0077% | 4,000 |
| Credit loss provision to net charge-offs | -525.0000% | 5,178 |
| Earnings coverage of net charge-offs (x) | 137.2500% | 457 |
| Efficiency ratio | 75.6325% | 2,038 |
| Assets per employee ($millions) | 5.5301% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3852% | 5,746 |
| Loan loss allowance to noncurrent loans | 23.9908% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 2.0598% | 654 |
| Noncurrent loans to loans | 1.6058% | 1,225 |
| Net loans and leases to total assets | 88.4154% | 115 |
| Net loans and leases to deposits | 118.1391% | 109 |
| Net loans and leases to core deposits | 119.7382% | 489 |
| Total domestic deposits to total assets | 74.8401% | 5,366 |
| Equity capital to assets | 22.7417% | 131 |
| Core capital (leverage) ratio | 23.6313% | 116 |
| Tier 1 risk-based capital ratio | 39.2076% | 233 |
| Total risk-based capital ratio | 39.7971% | 240 |
| Memoranda: | ||
| Average total assets | $58,428,800 | 5,176 |
| Average earning assets | $54,506,400 | 5,160 |
| Average equity | $13,615,200 | 4,005 |
| Average total loans | $51,669,200 | 4,530 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 1,434 |
| Cost of funding earning assets | 0.7047% | 798 |
| Net interest margin | 3.8325% | 2,217 |
| Noninterest income to average assets | 0.3551% | 4,248 |
| Noninterest expense to average assets | 2.9328% | 2,531 |
| Loan and lease loss provision to assets | -0.0415% | 5,708 |
| Net operating income to assets | 0.7793% | 3,462 |
| Return on assets (ROA) | 0.7793% | 3,603 |
| Pretax return on assets | 1.0375% | 3,483 |
| Return on Equity (ROE) | 3.3233% | 5,136 |
| Retained earnings to average equity (ytd only) | 3.3233% | 3,907 |
| Net charge-offs to loans | 0.0104% | 3,564 |
| Credit loss provision to net charge-offs | -450.0000% | 5,050 |
| Earnings coverage of net charge-offs (x) | 108.0657% | 625 |
| Efficiency ratio | 74.6479% | 2,164 |
| Assets per employee ($millions) | 5.8563% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4042% | 5,796 |
| Loan loss allowance to noncurrent loans | 29.9859% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 1.5812% | 1,108 |
| Noncurrent loans to loans | 1.3480% | 1,634 |
| Net loans and leases to total assets | 89.1980% | 89 |
| Net loans and leases to deposits | 119.8151% | 113 |
| Net loans and leases to core deposits | 121.4644% | 466 |
| Total domestic deposits to total assets | 74.4463% | 5,389 |
| Equity capital to assets | 23.4602% | 128 |
| Core capital (leverage) ratio | 24.2276% | 109 |
| Tier 1 risk-based capital ratio | 40.5113% | 217 |
| Total risk-based capital ratio | 41.1364% | 223 |
| Memoranda: | ||
| Average total assets | $57,828,250 | 5,239 |
| Average earning assets | $53,923,000 | 5,218 |
| Average equity | $13,560,500 | 4,048 |
| Average total loans | $51,088,500 | 4,582 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5548% | 1,371 |
| Cost of funding earning assets | 0.6864% | 858 |
| Net interest margin | 3.8684% | 2,090 |
| Noninterest income to average assets | 0.3161% | 4,519 |
| Noninterest expense to average assets | 3.0009% | 2,341 |
| Loan and lease loss provision to assets | -0.0834% | 5,861 |
| Net operating income to assets | 0.7294% | 3,657 |
| Return on assets (ROA) | 0.7294% | 3,813 |
| Pretax return on assets | 1.0003% | 3,584 |
| Return on Equity (ROE) | 3.1109% | 5,217 |
| Retained earnings to average equity (ytd only) | 3.1109% | 3,925 |
| Net charge-offs to loans | 0.0158% | 3,203 |
| Credit loss provision to net charge-offs | -600.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 821 |
| Efficiency ratio | 76.5957% | 1,996 |
| Assets per employee ($millions) | 4.5019% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4004% | 5,881 |
| Loan loss allowance to noncurrent loans | 28.0438% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 2.4605% | 570 |
| Noncurrent loans to loans | 1.4277% | 1,553 |
| Net loans and leases to total assets | 87.1371% | 186 |
| Net loans and leases to deposits | 116.6099% | 139 |
| Net loans and leases to core deposits | 118.2101% | 562 |
| Total domestic deposits to total assets | 74.7253% | 5,443 |
| Equity capital to assets | 23.2567% | 125 |
| Core capital (leverage) ratio | 23.4903% | 109 |
| Tier 1 risk-based capital ratio | 40.3696% | 225 |
| Total risk-based capital ratio | 40.9776% | 233 |
| Memoranda: | ||
| Average total assets | $57,583,330 | 5,302 |
| Average earning assets | $53,613,330 | 5,276 |
| Average equity | $13,501,000 | 4,077 |
| Average total loans | $50,635,000 | 4,621 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5788% | 1,316 |
| Cost of funding earning assets | 0.6820% | 882 |
| Net interest margin | 3.8969% | 1,943 |
| Noninterest income to average assets | 0.2171% | 5,185 |
| Noninterest expense to average assets | 2.9696% | 2,484 |
| Loan and lease loss provision to assets | -0.0070% | 5,880 |
| Net operating income to assets | 0.6303% | 4,060 |
| Return on assets (ROA) | 0.6303% | 4,175 |
| Pretax return on assets | 0.8965% | 3,852 |
| Return on Equity (ROE) | 2.6774% | 5,341 |
| Retained earnings to average equity (ytd only) | 2.6774% | 4,174 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9510% | 2,049 |
| Assets per employee ($millions) | 4.3845% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4648% | 5,900 |
| Loan loss allowance to noncurrent loans | 62.2995% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 2.4369% | 622 |
| Noncurrent loans to loans | 0.7461% | 2,968 |
| Net loans and leases to total assets | 87.5331% | 142 |
| Net loans and leases to deposits | 119.3898% | 103 |
| Net loans and leases to core deposits | 121.0878% | 438 |
| Total domestic deposits to total assets | 73.3171% | 5,665 |
| Equity capital to assets | 23.6688% | 114 |
| Core capital (leverage) ratio | 23.5655% | 111 |
| Tier 1 risk-based capital ratio | 41.2746% | 218 |
| Total risk-based capital ratio | 41.9874% | 221 |
| Memoranda: | ||
| Average total assets | $57,112,500 | 5,362 |
| Average earning assets | $53,376,000 | 5,333 |
| Average equity | $13,446,000 | 4,096 |
| Average total loans | $50,351,500 | 4,661 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7620% | 988 |
| Cost of funding earning assets | 0.6287% | 1,186 |
| Net interest margin | 4.1333% | 1,329 |
| Noninterest income to average assets | 0.2493% | 5,100 |
| Noninterest expense to average assets | 2.9302% | 2,763 |
| Loan and lease loss provision to assets | 0.0808% | 2,671 |
| Net operating income to assets | 0.7479% | 3,587 |
| Return on assets (ROA) | 0.7479% | 3,680 |
| Pretax return on assets | 1.1166% | 2,974 |
| Return on Equity (ROE) | 3.2296% | 5,221 |
| Retained earnings to average equity (ytd only) | 3.2296% | 3,754 |
| Net charge-offs to loans | 0.0101% | 4,115 |
| Credit loss provision to net charge-offs | 920.0000% | 367 |
| Earnings coverage of net charge-offs (x) | 136.4000% | 453 |
| Efficiency ratio | 70.9911% | 3,072 |
| Assets per employee ($millions) | 4.0876% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4627% | 5,948 |
| Loan loss allowance to noncurrent loans | 58.7940% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 2.4377% | 642 |
| Noncurrent loans to loans | 0.7869% | 2,817 |
| Net loans and leases to total assets | 87.9723% | 125 |
| Net loans and leases to deposits | 121.0983% | 91 |
| Net loans and leases to core deposits | 122.8297% | 409 |
| Total domestic deposits to total assets | 72.6453% | 5,756 |
| Equity capital to assets | 23.4177% | 115 |
| Core capital (leverage) ratio | 23.4181% | 109 |
| Tier 1 risk-based capital ratio | 40.7239% | 222 |
| Total risk-based capital ratio | 41.4350% | 225 |
| Memoranda: | ||
| Average total assets | $56,959,200 | 5,385 |
| Average earning assets | $53,444,200 | 5,352 |
| Average equity | $13,190,400 | 4,099 |
| Average total loans | $49,481,200 | 4,688 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8357% | 879 |
| Cost of funding earning assets | 0.6188% | 1,289 |
| Net interest margin | 4.2169% | 1,129 |
| Noninterest income to average assets | 0.2836% | 4,918 |
| Noninterest expense to average assets | 2.8849% | 2,897 |
| Loan and lease loss provision to assets | 0.1078% | 2,079 |
| Net operating income to assets | 0.8343% | 3,257 |
| Return on assets (ROA) | 0.8343% | 3,340 |
| Pretax return on assets | 1.2514% | 2,595 |
| Return on Equity (ROE) | 3.6129% | 5,178 |
| Retained earnings to average equity (ytd only) | 3.6129% | 3,897 |
| Net charge-offs to loans | 0.0108% | 3,798 |
| Credit loss provision to net charge-offs | 1,150.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 145.0863% | 476 |
| Efficiency ratio | 67.9735% | 3,545 |
| Assets per employee ($millions) | 4.4072% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4660% | 6,044 |
| Loan loss allowance to noncurrent loans | 78.2609% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 2.4366% | 724 |
| Noncurrent loans to loans | 0.5954% | 3,543 |
| Net loans and leases to total assets | 87.2393% | 170 |
| Net loans and leases to deposits | 119.4342% | 107 |
| Net loans and leases to core deposits | 121.0834% | 441 |
| Total domestic deposits to total assets | 73.0438% | 5,784 |
| Equity capital to assets | 23.2681% | 123 |
| Core capital (leverage) ratio | 23.3902% | 115 |
| Tier 1 risk-based capital ratio | 40.4068% | 243 |
| Total risk-based capital ratio | 41.1160% | 250 |
| Memoranda: | ||
| Average total assets | $56,892,500 | 5,456 |
| Average earning assets | $53,434,750 | 5,420 |
| Average equity | $13,137,750 | 4,157 |
| Average total loans | $49,207,250 | 4,745 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6707% | 1,132 |
| Cost of funding earning assets | 0.6030% | 1,392 |
| Net interest margin | 4.0677% | 1,452 |
| Noninterest income to average assets | 0.2431% | 5,221 |
| Noninterest expense to average assets | 2.7731% | 3,342 |
| Loan and lease loss provision to assets | 0.1621% | 1,310 |
| Net operating income to assets | 0.7329% | 3,723 |
| Return on assets (ROA) | 0.7329% | 3,835 |
| Pretax return on assets | 1.1346% | 3,032 |
| Return on Equity (ROE) | 3.1821% | 5,349 |
| Retained earnings to average equity (ytd only) | 3.1821% | 4,027 |
| Net charge-offs to loans | 0.0082% | 3,613 |
| Credit loss provision to net charge-offs | 2,300.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 184.0000% | 365 |
| Efficiency ratio | 68.1385% | 3,649 |
| Assets per employee ($millions) | 4.3109% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4851% | 6,100 |
| Loan loss allowance to noncurrent loans | 31.2085% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 3.2476% | 473 |
| Noncurrent loans to loans | 1.5544% | 1,702 |
| Net loans and leases to total assets | 86.0212% | 241 |
| Net loans and leases to deposits | 115.5735% | 152 |
| Net loans and leases to core deposits | 117.1747% | 552 |
| Total domestic deposits to total assets | 74.4299% | 5,755 |
| Equity capital to assets | 23.5234% | 118 |
| Core capital (leverage) ratio | 23.1191% | 117 |
| Tier 1 risk-based capital ratio | 46.8712% | 176 |
| Total risk-based capital ratio | 47.7067% | 178 |
| Memoranda: | ||
| Average total assets | $56,759,000 | 5,523 |
| Average earning assets | $53,396,330 | 5,477 |
| Average equity | $13,073,330 | 4,194 |
| Average total loans | $48,871,000 | 4,786 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5214% | 1,403 |
| Cost of funding earning assets | 0.5791% | 1,585 |
| Net interest margin | 3.9423% | 1,734 |
| Noninterest income to average assets | 0.2241% | 5,352 |
| Noninterest expense to average assets | 2.9063% | 2,887 |
| Loan and lease loss provision to assets | 0.0980% | 2,062 |
| Net operating income to assets | 0.6093% | 4,244 |
| Return on assets (ROA) | 0.6093% | 4,336 |
| Pretax return on assets | 0.9384% | 3,750 |
| Return on Equity (ROE) | 2.6731% | 5,484 |
| Retained earnings to average equity (ytd only) | 2.6731% | 4,349 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7123% | 2,861 |
| Assets per employee ($millions) | 4.4213% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4155% | 6,231 |
| Loan loss allowance to noncurrent loans | 40.0000% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 2.3818% | 917 |
| Noncurrent loans to loans | 1.0387% | 2,689 |
| Net loans and leases to total assets | 85.9039% | 199 |
| Net loans and leases to deposits | 119.0907% | 94 |
| Net loans and leases to core deposits | 120.7360% | 394 |
| Total domestic deposits to total assets | 72.1332% | 6,034 |
| Equity capital to assets | 22.7256% | 135 |
| Core capital (leverage) ratio | 22.8937% | 119 |
| Tier 1 risk-based capital ratio | 39.6768% | 263 |
| Total risk-based capital ratio | 40.3025% | 271 |
| Memoranda: | ||
| Average total assets | $57,117,500 | 5,568 |
| Average earning assets | $53,877,000 | 5,516 |
| Average equity | $13,018,500 | 4,231 |
| Average total loans | $49,085,000 | 4,814 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6498% | 1,421 |
| Cost of funding earning assets | 0.6220% | 1,592 |
| Net interest margin | 4.0278% | 1,813 |
| Noninterest income to average assets | 0.5423% | 3,219 |
| Noninterest expense to average assets | 2.9539% | 2,985 |
| Loan and lease loss provision to assets | 0.1231% | 2,129 |
| Net operating income to assets | 0.9026% | 2,858 |
| Return on assets (ROA) | 0.9026% | 2,948 |
| Pretax return on assets | 1.2540% | 2,423 |
| Return on Equity (ROE) | 3.9786% | 5,127 |
| Retained earnings to average equity (ytd only) | 3.9786% | 3,384 |
| Net charge-offs to loans | 0.0884% | 3,226 |
| Credit loss provision to net charge-offs | 164.2857% | 1,483 |
| Earnings coverage of net charge-offs (x) | 18.3810% | 1,850 |
| Efficiency ratio | 68.2043% | 3,864 |
| Assets per employee ($millions) | 4.3660% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3952% | 6,326 |
| Loan loss allowance to noncurrent loans | 20.4473% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 2.9969% | 673 |
| Noncurrent loans to loans | 1.9325% | 1,455 |
| Net loans and leases to total assets | 85.2690% | 257 |
| Net loans and leases to deposits | 116.4173% | 133 |
| Net loans and leases to core deposits | 119.3308% | 427 |
| Total domestic deposits to total assets | 73.2443% | 5,998 |
| Equity capital to assets | 22.8602% | 134 |
| Core capital (leverage) ratio | 23.2381% | 114 |
| Tier 1 risk-based capital ratio | 42.8727% | 200 |
| Total risk-based capital ratio | 43.5071% | 205 |
| Memoranda: | ||
| Average total assets | $56,061,400 | 5,650 |
| Average earning assets | $52,734,000 | 5,598 |
| Average equity | $12,718,200 | 4,241 |
| Average total loans | $47,534,200 | 4,899 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6293% | 1,491 |
| Cost of funding earning assets | 0.6320% | 1,585 |
| Net interest margin | 3.9973% | 1,889 |
| Noninterest income to average assets | 0.6728% | 2,465 |
| Noninterest expense to average assets | 2.9010% | 3,113 |
| Loan and lease loss provision to assets | 0.1312% | 1,913 |
| Net operating income to assets | 1.0449% | 2,254 |
| Return on assets (ROA) | 1.0449% | 2,317 |
| Pretax return on assets | 1.3980% | 2,014 |
| Return on Equity (ROE) | 4.6151% | 4,895 |
| Retained earnings to average equity (ytd only) | 4.6151% | 3,349 |
| Net charge-offs to loans | 0.1015% | 2,783 |
| Credit loss provision to net charge-offs | 152.7778% | 1,558 |
| Earnings coverage of net charge-offs (x) | 17.8052% | 1,882 |
| Efficiency ratio | 65.4820% | 4,302 |
| Assets per employee ($millions) | 4.2618% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3880% | 6,415 |
| Loan loss allowance to noncurrent loans | 24.6319% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 2.5630% | 1,009 |
| Noncurrent loans to loans | 1.5751% | 2,067 |
| Net loans and leases to total assets | 85.2682% | 242 |
| Net loans and leases to deposits | 116.6613% | 120 |
| Net loans and leases to core deposits | 118.8628% | 420 |
| Total domestic deposits to total assets | 73.0904% | 6,087 |
| Equity capital to assets | 23.2962% | 128 |
| Core capital (leverage) ratio | 23.0643% | 123 |
| Tier 1 risk-based capital ratio | 44.4487% | 183 |
| Total risk-based capital ratio | 45.0823% | 186 |
| Memoranda: | ||
| Average total assets | $55,887,250 | 5,714 |
| Average earning assets | $52,534,000 | 5,667 |
| Average equity | $12,654,000 | 4,282 |
| Average total loans | $47,270,500 | 4,961 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6214% | 1,470 |
| Cost of funding earning assets | 0.6309% | 1,642 |
| Net interest margin | 3.9905% | 1,835 |
| Noninterest income to average assets | 0.2962% | 5,044 |
| Noninterest expense to average assets | 2.9046% | 3,147 |
| Loan and lease loss provision to assets | 0.0535% | 3,229 |
| Net operating income to assets | 0.6923% | 3,886 |
| Return on assets (ROA) | 0.6923% | 3,975 |
| Pretax return on assets | 1.0848% | 3,159 |
| Return on Equity (ROE) | 3.0868% | 5,498 |
| Retained earnings to average equity (ytd only) | 3.0868% | 4,242 |
| Net charge-offs to loans | 0.0085% | 4,109 |
| Credit loss provision to net charge-offs | 750.0000% | 421 |
| Earnings coverage of net charge-offs (x) | 159.5000% | 391 |
| Efficiency ratio | 71.8447% | 3,372 |
| Assets per employee ($millions) | 4.3780% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3749% | 6,499 |
| Loan loss allowance to noncurrent loans | 12.4737% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 3.6406% | 627 |
| Noncurrent loans to loans | 3.0059% | 964 |
| Net loans and leases to total assets | 83.0991% | 373 |
| Net loans and leases to deposits | 112.2917% | 162 |
| Net loans and leases to core deposits | 114.3275% | 525 |
| Total domestic deposits to total assets | 74.0029% | 6,114 |
| Equity capital to assets | 22.2494% | 139 |
| Core capital (leverage) ratio | 22.2494% | 128 |
| Tier 1 risk-based capital ratio | 42.7025% | 202 |
| Total risk-based capital ratio | 43.3028% | 205 |
| Memoranda: | ||
| Average total assets | $56,048,330 | 5,758 |
| Average earning assets | $52,624,330 | 5,715 |
| Average equity | $12,569,670 | 4,307 |
| Average total loans | $47,218,670 | 4,993 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 1,425 |
| Cost of funding earning assets | 0.6361% | 1,679 |
| Net interest margin | 3.9927% | 1,798 |
| Noninterest income to average assets | 0.4028% | 4,163 |
| Noninterest expense to average assets | 2.8913% | 3,245 |
| Loan and lease loss provision to assets | 0.0360% | 3,338 |
| Net operating income to assets | 0.7768% | 3,267 |
| Return on assets (ROA) | 0.7768% | 3,351 |
| Pretax return on assets | 1.2227% | 2,380 |
| Return on Equity (ROE) | 3.4497% | 5,299 |
| Retained earnings to average equity (ytd only) | 3.4497% | 4,066 |
| Net charge-offs to loans | 0.0170% | 3,247 |
| Credit loss provision to net charge-offs | 250.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 87.5000% | 508 |
| Efficiency ratio | 69.6707% | 3,885 |
| Assets per employee ($millions) | 4.3030% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3551% | 6,586 |
| Loan loss allowance to noncurrent loans | 17.7590% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 2.7441% | 1,101 |
| Noncurrent loans to loans | 1.9998% | 1,866 |
| Net loans and leases to total assets | 84.2650% | 221 |
| Net loans and leases to deposits | 111.7335% | 121 |
| Net loans and leases to core deposits | 114.4936% | 448 |
| Total domestic deposits to total assets | 75.4161% | 6,123 |
| Equity capital to assets | 22.4834% | 138 |
| Core capital (leverage) ratio | 22.4834% | 125 |
| Tier 1 risk-based capital ratio | 42.0242% | 208 |
| Total risk-based capital ratio | 42.5855% | 213 |
| Memoranda: | ||
| Average total assets | $55,615,500 | 5,825 |
| Average earning assets | $52,195,500 | 5,784 |
| Average equity | $12,523,000 | 4,341 |
| Average total loans | $47,091,500 | 5,038 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9878% | 937 |
| Cost of funding earning assets | 0.6546% | 2,173 |
| Net interest margin | 4.3332% | 1,026 |
| Noninterest income to average assets | 0.2430% | 5,606 |
| Noninterest expense to average assets | 2.8656% | 3,476 |
| Loan and lease loss provision to assets | 0.0697% | 3,730 |
| Net operating income to assets | 0.8478% | 3,045 |
| Return on assets (ROA) | 0.8478% | 3,123 |
| Pretax return on assets | 1.3734% | 1,889 |
| Return on Equity (ROE) | 3.6695% | 5,253 |
| Retained earnings to average equity (ytd only) | 3.6695% | 3,609 |
| Net charge-offs to loans | 0.0994% | 3,847 |
| Credit loss provision to net charge-offs | 80.4348% | 3,035 |
| Earnings coverage of net charge-offs (x) | 16.6522% | 1,785 |
| Efficiency ratio | 66.5063% | 4,470 |
| Assets per employee ($millions) | 4.2532% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3520% | 6,667 |
| Loan loss allowance to noncurrent loans | 35.7918% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 2.0961% | 1,707 |
| Noncurrent loans to loans | 0.9834% | 3,554 |
| Net loans and leases to total assets | 84.4842% | 222 |
| Net loans and leases to deposits | 112.1884% | 136 |
| Net loans and leases to core deposits | 114.9943% | 443 |
| Total domestic deposits to total assets | 75.3057% | 6,160 |
| Equity capital to assets | 22.5512% | 132 |
| Core capital (leverage) ratio | 22.5512% | 125 |
| Tier 1 risk-based capital ratio | 42.0682% | 199 |
| Total risk-based capital ratio | 42.6248% | 205 |
| Memoranda: | ||
| Average total assets | $53,078,200 | 5,936 |
| Average earning assets | $49,801,600 | 5,895 |
| Average equity | $12,263,400 | 4,401 |
| Average total loans | $46,258,800 | 5,107 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1525% | 709 |
| Cost of funding earning assets | 0.6518% | 2,347 |
| Net interest margin | 4.5006% | 740 |
| Noninterest income to average assets | 0.2437% | 5,691 |
| Noninterest expense to average assets | 2.8557% | 3,461 |
| Loan and lease loss provision to assets | 0.0660% | 3,736 |
| Net operating income to assets | 0.9570% | 2,547 |
| Return on assets (ROA) | 0.9570% | 2,652 |
| Pretax return on assets | 1.5459% | 1,478 |
| Return on Equity (ROE) | 4.1160% | 5,166 |
| Retained earnings to average equity (ytd only) | 4.1160% | 3,756 |
| Net charge-offs to loans | 0.1446% | 3,095 |
| Credit loss provision to net charge-offs | 52.0000% | 3,459 |
| Earnings coverage of net charge-offs (x) | 12.6991% | 2,106 |
| Efficiency ratio | 63.9205% | 4,806 |
| Assets per employee ($millions) | 4.1408% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3203% | 6,764 |
| Loan loss allowance to noncurrent loans | 24.1158% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 1.7146% | 2,394 |
| Noncurrent loans to loans | 1.3283% | 3,198 |
| Net loans and leases to total assets | 86.7121% | 120 |
| Net loans and leases to deposits | 116.2822% | 95 |
| Net loans and leases to core deposits | 119.2987% | 337 |
| Total domestic deposits to total assets | 74.5704% | 6,324 |
| Equity capital to assets | 23.0276% | 120 |
| Core capital (leverage) ratio | 23.0276% | 114 |
| Tier 1 risk-based capital ratio | 43.3609% | 196 |
| Total risk-based capital ratio | 43.8855% | 207 |
| Memoranda: | ||
| Average total assets | $52,524,750 | 6,019 |
| Average earning assets | $49,295,500 | 5,977 |
| Average equity | $12,212,000 | 4,456 |
| Average total loans | $46,104,000 | 5,156 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2352% | 592 |
| Cost of funding earning assets | 0.6426% | 2,567 |
| Net interest margin | 4.5925% | 606 |
| Noninterest income to average assets | 0.3072% | 5,247 |
| Noninterest expense to average assets | 2.8720% | 3,432 |
| Loan and lease loss provision to assets | 0.1267% | 2,737 |
| Net operating income to assets | 1.0136% | 2,275 |
| Return on assets (ROA) | 1.0136% | 2,402 |
| Pretax return on assets | 1.6165% | 1,316 |
| Return on Equity (ROE) | 4.3454% | 5,072 |
| Retained earnings to average equity (ytd only) | 4.3454% | 3,505 |
| Net charge-offs to loans | 0.1875% | 2,624 |
| Credit loss provision to net charge-offs | 76.7442% | 2,693 |
| Earnings coverage of net charge-offs (x) | 10.5581% | 2,146 |
| Efficiency ratio | 62.2296% | 5,141 |
| Assets per employee ($millions) | 4.0372% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3544% | 6,794 |
| Loan loss allowance to noncurrent loans | 22.2524% | 6,255 |
| Noncurrent assets plus other real estate owned to assets | 2.0692% | 2,093 |
| Noncurrent loans to loans | 1.5929% | 2,922 |
| Net loans and leases to total assets | 87.8475% | 95 |
| Net loans and leases to deposits | 118.2270% | 76 |
| Net loans and leases to core deposits | 120.5454% | 309 |
| Total domestic deposits to total assets | 74.3041% | 6,418 |
| Equity capital to assets | 23.4038% | 111 |
| Core capital (leverage) ratio | 23.4006% | 102 |
| Tier 1 risk-based capital ratio | 44.0630% | 180 |
| Total risk-based capital ratio | 44.6513% | 186 |
| Memoranda: | ||
| Average total assets | $52,089,330 | 6,070 |
| Average earning assets | $48,862,000 | 6,025 |
| Average equity | $12,150,670 | 4,497 |
| Average total loans | $45,862,670 | 5,193 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3207% | 492 |
| Cost of funding earning assets | 0.6250% | 2,877 |
| Net interest margin | 4.6957% | 476 |
| Noninterest income to average assets | 0.2158% | 5,928 |
| Noninterest expense to average assets | 2.9908% | 3,019 |
| Loan and lease loss provision to assets | 0.0540% | 3,724 |
| Net operating income to assets | 1.0098% | 2,181 |
| Return on assets (ROA) | 1.0098% | 2,298 |
| Pretax return on assets | 1.5725% | 1,371 |
| Return on Equity (ROE) | 4.3361% | 4,929 |
| Retained earnings to average equity (ytd only) | 4.3361% | 3,633 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7746% | 4,870 |
| Assets per employee ($millions) | 4.0030% | 3,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3938% | 6,856 |
| Loan loss allowance to noncurrent loans | 23.5371% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 2.0139% | 2,328 |
| Noncurrent loans to loans | 1.6731% | 3,038 |
| Net loans and leases to total assets | 87.9744% | 73 |
| Net loans and leases to deposits | 119.3986% | 69 |
| Net loans and leases to core deposits | 120.8165% | 274 |
| Total domestic deposits to total assets | 73.6813% | 6,557 |
| Equity capital to assets | 23.3479% | 114 |
| Core capital (leverage) ratio | 23.2701% | 108 |
| Tier 1 risk-based capital ratio | 43.6250% | 186 |
| Total risk-based capital ratio | 44.2749% | 191 |
| Memoranda: | ||
| Average total assets | $51,892,500 | 6,127 |
| Average earning assets | $48,640,500 | 6,082 |
| Average equity | $12,084,500 | 4,555 |
| Average total loans | $45,659,500 | 5,224 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5009% | 622 |
| Cost of funding earning assets | 0.6110% | 4,239 |
| Net interest margin | 4.8900% | 457 |
| Noninterest income to average assets | 0.3537% | 4,937 |
| Noninterest expense to average assets | 3.1512% | 2,765 |
| Loan and lease loss provision to assets | 0.0402% | 5,363 |
| Net operating income to assets | 1.1053% | 1,919 |
| Return on assets (ROA) | 1.1053% | 2,099 |
| Pretax return on assets | 1.7303% | 1,071 |
| Return on Equity (ROE) | 4.6811% | 4,841 |
| Retained earnings to average equity (ytd only) | 4.6811% | 2,920 |
| Net charge-offs to loans | 0.0118% | 5,757 |
| Credit loss provision to net charge-offs | 400.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 176.2000% | 237 |
| Efficiency ratio | 64.0261% | 4,882 |
| Assets per employee ($millions) | 3.9805% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3836% | 6,907 |
| Loan loss allowance to noncurrent loans | 17.0088% | 6,450 |
| Noncurrent assets plus other real estate owned to assets | 2.5161% | 1,938 |
| Noncurrent loans to loans | 2.2554% | 2,399 |
| Net loans and leases to total assets | 87.3169% | 100 |
| Net loans and leases to deposits | 120.0877% | 73 |
| Net loans and leases to core deposits | 121.5414% | 263 |
| Total domestic deposits to total assets | 72.7109% | 6,644 |
| Equity capital to assets | 23.2269% | 120 |
| Core capital (leverage) ratio | 23.2269% | 112 |
| Tier 1 risk-based capital ratio | 43.9580% | 179 |
| Total risk-based capital ratio | 44.5944% | 184 |
| Memoranda: | ||
| Average total assets | $49,759,000 | 6,218 |
| Average earning assets | $46,483,000 | 6,162 |
| Average equity | $11,749,400 | 4,622 |
| Average total loans | $42,528,000 | 5,397 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5554% | 607 |
| Cost of funding earning assets | 0.6028% | 4,618 |
| Net interest margin | 4.9526% | 436 |
| Noninterest income to average assets | 0.2950% | 5,416 |
| Noninterest expense to average assets | 3.1342% | 2,788 |
| Loan and lease loss provision to assets | 0.0162% | 5,605 |
| Net operating income to assets | 1.1584% | 1,874 |
| Return on assets (ROA) | 1.1584% | 2,068 |
| Pretax return on assets | 1.7701% | 1,118 |
| Return on Equity (ROE) | 4.8849% | 4,876 |
| Retained earnings to average equity (ytd only) | 4.8849% | 3,450 |
| Net charge-offs to loans | -0.0032% | 6,228 |
| Credit loss provision to net charge-offs | -600.0000% | 6,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6964% | 4,853 |
| Assets per employee ($millions) | 4.1763% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3788% | 7,025 |
| Loan loss allowance to noncurrent loans | 21.4194% | 6,456 |
| Noncurrent assets plus other real estate owned to assets | 2.4244% | 2,187 |
| Noncurrent loans to loans | 1.7685% | 3,129 |
| Net loans and leases to total assets | 87.1119% | 111 |
| Net loans and leases to deposits | 118.7849% | 83 |
| Net loans and leases to core deposits | 120.2573% | 306 |
| Total domestic deposits to total assets | 73.3359% | 6,654 |
| Equity capital to assets | 23.7369% | 121 |
| Core capital (leverage) ratio | 23.7369% | 109 |
| Tier 1 risk-based capital ratio | 43.6983% | 189 |
| Total risk-based capital ratio | 44.3081% | 192 |
| Memoranda: | ||
| Average total assets | $49,262,250 | 6,308 |
| Average earning assets | $46,008,000 | 6,251 |
| Average equity | $11,682,000 | 4,675 |
| Average total loans | $41,820,750 | 5,489 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5531% | 639 |
| Cost of funding earning assets | 0.5898% | 4,988 |
| Net interest margin | 4.9633% | 427 |
| Noninterest income to average assets | 0.2654% | 5,678 |
| Noninterest expense to average assets | 3.0953% | 2,941 |
| Loan and lease loss provision to assets | 0.0204% | 5,414 |
| Net operating income to assets | 1.2210% | 1,640 |
| Return on assets (ROA) | 1.2210% | 1,833 |
| Pretax return on assets | 1.7886% | 1,068 |
| Return on Equity (ROE) | 5.1504% | 4,732 |
| Retained earnings to average equity (ytd only) | 5.1504% | 3,187 |
| Net charge-offs to loans | -0.0049% | 6,160 |
| Credit loss provision to net charge-offs | -500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1141% | 5,062 |
| Assets per employee ($millions) | 3.8084% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3969% | 7,084 |
| Loan loss allowance to noncurrent loans | 26.6990% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 2.1410% | 2,618 |
| Noncurrent loans to loans | 1.4865% | 3,681 |
| Net loans and leases to total assets | 83.6393% | 229 |
| Net loans and leases to deposits | 113.1548% | 114 |
| Net loans and leases to core deposits | 114.5636% | 430 |
| Total domestic deposits to total assets | 73.9159% | 6,686 |
| Equity capital to assets | 23.7694% | 116 |
| Core capital (leverage) ratio | 23.7694% | 104 |
| Tier 1 risk-based capital ratio | 44.2190% | 179 |
| Total risk-based capital ratio | 44.8390% | 183 |
| Memoranda: | ||
| Average total assets | $48,977,670 | 6,353 |
| Average earning assets | $45,776,330 | 6,292 |
| Average equity | $11,610,670 | 4,692 |
| Average total loans | $41,153,330 | 5,543 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6337% | 590 |
| Cost of funding earning assets | 0.5879% | 5,227 |
| Net interest margin | 5.0458% | 370 |
| Noninterest income to average assets | 0.2792% | 5,632 |
| Noninterest expense to average assets | 3.0629% | 3,043 |
| Loan and lease loss provision to assets | 0.0411% | 4,876 |
| Net operating income to assets | 1.4206% | 1,182 |
| Return on assets (ROA) | 1.4206% | 1,325 |
| Pretax return on assets | 1.8969% | 884 |
| Return on Equity (ROE) | 6.0007% | 4,294 |
| Retained earnings to average equity (ytd only) | 6.0007% | 2,958 |
| Net charge-offs to loans | -0.0098% | 5,935 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2479% | 5,415 |
| Assets per employee ($millions) | 3.7538% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4005% | 7,134 |
| Loan loss allowance to noncurrent loans | 25.5418% | 6,358 |
| Noncurrent assets plus other real estate owned to assets | 2.0205% | 2,869 |
| Noncurrent loans to loans | 1.5682% | 3,760 |
| Net loans and leases to total assets | 84.0796% | 181 |
| Net loans and leases to deposits | 113.4554% | 100 |
| Net loans and leases to core deposits | 116.5162% | 371 |
| Total domestic deposits to total assets | 74.1081% | 6,733 |
| Equity capital to assets | 23.8570% | 112 |
| Core capital (leverage) ratio | 23.8570% | 108 |
| Tier 1 risk-based capital ratio | 44.2830% | 174 |
| Total risk-based capital ratio | 44.9106% | 179 |
| Memoranda: | ||
| Average total assets | $48,712,000 | 6,407 |
| Average earning assets | $45,582,500 | 6,345 |
| Average equity | $11,532,000 | 4,720 |
| Average total loans | $40,943,000 | 5,603 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7005% | 781 |
| Cost of funding earning assets | 0.8080% | 4,809 |
| Net interest margin | 4.8926% | 519 |
| Noninterest income to average assets | 0.1982% | 6,087 |
| Noninterest expense to average assets | 2.9820% | 3,660 |
| Loan and lease loss provision to assets | 0.0772% | 5,646 |
| Net operating income to assets | 1.0559% | 1,979 |
| Return on assets (ROA) | 1.0559% | 2,124 |
| Pretax return on assets | 1.7007% | 991 |
| Return on Equity (ROE) | 4.5356% | 4,608 |
| Retained earnings to average equity (ytd only) | 4.5356% | 2,944 |
| Net charge-offs to loans | 0.1354% | 5,060 |
| Credit loss provision to net charge-offs | 68.5185% | 4,907 |
| Earnings coverage of net charge-offs (x) | 15.7778% | 1,371 |
| Efficiency ratio | 62.6480% | 5,362 |
| Assets per employee ($millions) | 3.7404% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3907% | 7,172 |
| Loan loss allowance to noncurrent loans | 29.8311% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 1.9064% | 3,099 |
| Noncurrent loans to loans | 1.3099% | 4,183 |
| Net loans and leases to total assets | 83.3563% | 242 |
| Net loans and leases to deposits | 112.0256% | 144 |
| Net loans and leases to core deposits | 113.4365% | 522 |
| Total domestic deposits to total assets | 74.4082% | 6,677 |
| Equity capital to assets | 23.4900% | 122 |
| Core capital (leverage) ratio | 23.4900% | 118 |
| Tier 1 risk-based capital ratio | 46.3104% | 159 |
| Total risk-based capital ratio | 46.9551% | 162 |
| Memoranda: | ||
| Average total assets | $47,920,800 | 6,426 |
| Average earning assets | $44,680,000 | 6,367 |
| Average equity | $11,156,200 | 4,744 |
| Average total loans | $39,876,400 | 5,699 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7354% | 795 |
| Cost of funding earning assets | 0.8635% | 4,674 |
| Net interest margin | 4.8719% | 540 |
| Noninterest income to average assets | 0.2094% | 6,117 |
| Noninterest expense to average assets | 3.0160% | 3,499 |
| Loan and lease loss provision to assets | 0.0754% | 5,503 |
| Net operating income to assets | 1.0165% | 2,262 |
| Return on assets (ROA) | 1.0165% | 2,418 |
| Pretax return on assets | 1.6560% | 1,239 |
| Return on Equity (ROE) | 4.3763% | 4,821 |
| Retained earnings to average equity (ytd only) | 4.3763% | 3,613 |
| Net charge-offs to loans | 0.1882% | 4,292 |
| Credit loss provision to net charge-offs | 48.2143% | 5,073 |
| Earnings coverage of net charge-offs (x) | 11.0722% | 1,846 |
| Efficiency ratio | 63.5294% | 5,151 |
| Assets per employee ($millions) | 3.7571% | 4,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3549% | 7,258 |
| Loan loss allowance to noncurrent loans | 15.2381% | 6,817 |
| Noncurrent assets plus other real estate owned to assets | 2.5245% | 2,557 |
| Noncurrent loans to loans | 2.3290% | 2,977 |
| Net loans and leases to total assets | 82.7812% | 305 |
| Net loans and leases to deposits | 110.9124% | 165 |
| Net loans and leases to core deposits | 112.2986% | 598 |
| Total domestic deposits to total assets | 74.6366% | 6,683 |
| Equity capital to assets | 23.0949% | 145 |
| Core capital (leverage) ratio | 23.0949% | 134 |
| Tier 1 risk-based capital ratio | 45.0893% | 179 |
| Total risk-based capital ratio | 45.6649% | 184 |
| Memoranda: | ||
| Average total assets | $47,744,750 | 6,489 |
| Average earning assets | $44,471,250 | 6,440 |
| Average equity | $11,089,750 | 4,786 |
| Average total loans | $39,672,750 | 5,759 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6640% | 936 |
| Cost of funding earning assets | 0.9251% | 4,487 |
| Net interest margin | 4.7389% | 673 |
| Noninterest income to average assets | 0.2153% | 6,125 |
| Noninterest expense to average assets | 2.9971% | 3,652 |
| Loan and lease loss provision to assets | 0.0591% | 5,569 |
| Net operating income to assets | 0.9625% | 2,379 |
| Return on assets (ROA) | 0.9625% | 2,485 |
| Pretax return on assets | 1.5703% | 1,321 |
| Return on Equity (ROE) | 4.1356% | 4,865 |
| Retained earnings to average equity (ytd only) | 4.1356% | 3,563 |
| Net charge-offs to loans | 0.2540% | 3,615 |
| Credit loss provision to net charge-offs | 28.0000% | 5,020 |
| Earnings coverage of net charge-offs (x) | 7.7200% | 2,180 |
| Efficiency ratio | 64.7810% | 5,096 |
| Assets per employee ($millions) | 3.7249% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3428% | 7,323 |
| Loan loss allowance to noncurrent loans | 10.6500% | 6,935 |
| Noncurrent assets plus other real estate owned to assets | 2.8085% | 2,387 |
| Noncurrent loans to loans | 3.2187% | 2,224 |
| Net loans and leases to total assets | 81.6517% | 395 |
| Net loans and leases to deposits | 109.0160% | 196 |
| Net loans and leases to core deposits | 116.9205% | 499 |
| Total domestic deposits to total assets | 74.8988% | 6,736 |
| Equity capital to assets | 23.0134% | 152 |
| Core capital (leverage) ratio | 22.8493% | 142 |
| Tier 1 risk-based capital ratio | 44.8111% | 178 |
| Total risk-based capital ratio | 45.3630% | 183 |
| Memoranda: | ||
| Average total assets | $47,379,000 | 6,553 |
| Average earning assets | $44,103,000 | 6,504 |
| Average equity | $11,026,330 | 4,797 |
| Average total loans | $39,371,670 | 5,826 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8741% | 633 |
| Cost of funding earning assets | 0.9622% | 4,481 |
| Net interest margin | 4.9119% | 446 |
| Noninterest income to average assets | 0.0854% | 6,980 |
| Noninterest expense to average assets | 3.0732% | 3,369 |
| Loan and lease loss provision to assets | 0.1707% | 3,922 |
| Net operating income to assets | 0.8707% | 2,701 |
| Return on assets (ROA) | 0.8707% | 2,758 |
| Pretax return on assets | 1.4171% | 1,678 |
| Return on Equity (ROE) | 3.7201% | 5,032 |
| Retained earnings to average equity (ytd only) | 3.7201% | 3,940 |
| Net charge-offs to loans | 0.5099% | 2,202 |
| Credit loss provision to net charge-offs | 40.0000% | 3,945 |
| Earnings coverage of net charge-offs (x) | 3.7200% | 2,656 |
| Efficiency ratio | 65.9341% | 5,043 |
| Assets per employee ($millions) | 3.6388% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3700% | 7,360 |
| Loan loss allowance to noncurrent loans | 21.1370% | 6,726 |
| Noncurrent assets plus other real estate owned to assets | 1.6890% | 3,719 |
| Noncurrent loans to loans | 1.7504% | 3,889 |
| Net loans and leases to total assets | 82.5431% | 303 |
| Net loans and leases to deposits | 110.6053% | 173 |
| Net loans and leases to core deposits | 113.8961% | 606 |
| Total domestic deposits to total assets | 74.6285% | 6,842 |
| Equity capital to assets | 23.2914% | 140 |
| Core capital (leverage) ratio | 23.1550% | 136 |
| Tier 1 risk-based capital ratio | 45.4579% | 168 |
| Total risk-based capital ratio | 46.0608% | 174 |
| Memoranda: | ||
| Average total assets | $46,856,500 | 6,617 |
| Average earning assets | $43,649,000 | 6,573 |
| Average equity | $10,967,500 | 4,806 |
| Average total loans | $39,220,000 | 5,885 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1834% | 589 |
| Cost of funding earning assets | 1.2102% | 4,498 |
| Net interest margin | 4.9733% | 462 |
| Noninterest income to average assets | 0.2505% | 6,006 |
| Noninterest expense to average assets | 3.1850% | 3,148 |
| Loan and lease loss provision to assets | 0.0475% | 6,687 |
| Net operating income to assets | 0.9954% | 2,053 |
| Return on assets (ROA) | 0.9954% | 2,158 |
| Pretax return on assets | 1.6324% | 1,067 |
| Return on Equity (ROE) | 4.3158% | 4,381 |
| Retained earnings to average equity (ytd only) | 4.3158% | 2,821 |
| Net charge-offs to loans | 0.0657% | 6,137 |
| Credit loss provision to net charge-offs | 84.6154% | 5,361 |
| Earnings coverage of net charge-offs (x) | 29.9231% | 739 |
| Efficiency ratio | 65.4683% | 5,074 |
| Assets per employee ($millions) | 3.5698% | 4,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4459% | 7,397 |
| Loan loss allowance to noncurrent loans | 19.2519% | 6,842 |
| Noncurrent assets plus other real estate owned to assets | 2.0988% | 3,223 |
| Noncurrent loans to loans | 2.3160% | 3,201 |
| Net loans and leases to total assets | 84.1945% | 284 |
| Net loans and leases to deposits | 113.1698% | 186 |
| Net loans and leases to core deposits | 114.2185% | 719 |
| Total domestic deposits to total assets | 74.3967% | 6,842 |
| Equity capital to assets | 23.5240% | 146 |
| Core capital (leverage) ratio | 23.3853% | 147 |
| Tier 1 risk-based capital ratio | 45.1262% | 173 |
| Total risk-based capital ratio | 45.8552% | 175 |
| Memoranda: | ||
| Average total assets | $46,311,000 | 6,659 |
| Average earning assets | $42,969,600 | 6,617 |
| Average equity | $10,681,600 | 4,940 |
| Average total loans | $39,578,600 | 5,936 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3062% | 502 |
| Cost of funding earning assets | 1.2768% | 4,391 |
| Net interest margin | 5.0294% | 406 |
| Noninterest income to average assets | 0.2391% | 6,176 |
| Noninterest expense to average assets | 3.2031% | 2,917 |
| Loan and lease loss provision to assets | 0.0634% | 6,429 |
| Net operating income to assets | 0.9880% | 2,283 |
| Return on assets (ROA) | 0.9880% | 2,393 |
| Pretax return on assets | 1.6361% | 1,259 |
| Return on Equity (ROE) | 4.3051% | 4,641 |
| Retained earnings to average equity (ytd only) | 4.3051% | 3,469 |
| Net charge-offs to loans | 0.1244% | 5,311 |
| Credit loss provision to net charge-offs | 59.4595% | 5,704 |
| Earnings coverage of net charge-offs (x) | 15.9467% | 1,413 |
| Efficiency ratio | 65.3349% | 4,994 |
| Assets per employee ($millions) | 3.5736% | 4,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4136% | 7,522 |
| Loan loss allowance to noncurrent loans | 12.2297% | 7,141 |
| Noncurrent assets plus other real estate owned to assets | 3.2051% | 2,233 |
| Noncurrent loans to loans | 3.3820% | 2,353 |
| Net loans and leases to total assets | 84.9969% | 264 |
| Net loans and leases to deposits | 114.0946% | 187 |
| Net loans and leases to core deposits | 117.2173% | 710 |
| Total domestic deposits to total assets | 74.4968% | 6,855 |
| Equity capital to assets | 23.2452% | 157 |
| Core capital (leverage) ratio | 23.1061% | 151 |
| Tier 1 risk-based capital ratio | 44.0168% | 191 |
| Total risk-based capital ratio | 44.6905% | 197 |
| Memoranda: | ||
| Average total assets | $46,286,750 | 6,730 |
| Average earning assets | $42,920,000 | 6,702 |
| Average equity | $10,622,750 | 5,016 |
| Average total loans | $39,661,250 | 6,017 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3509% | 465 |
| Cost of funding earning assets | 1.3709% | 4,054 |
| Net interest margin | 4.9800% | 439 |
| Noninterest income to average assets | 0.2120% | 6,403 |
| Noninterest expense to average assets | 3.1538% | 3,074 |
| Loan and lease loss provision to assets | 0.0519% | 6,447 |
| Net operating income to assets | 0.9907% | 2,235 |
| Return on assets (ROA) | 0.9907% | 2,311 |
| Pretax return on assets | 1.6266% | 1,225 |
| Return on Equity (ROE) | 4.3355% | 4,627 |
| Retained earnings to average equity (ytd only) | 4.3355% | 3,316 |
| Net charge-offs to loans | 0.0756% | 5,384 |
| Credit loss provision to net charge-offs | 80.0000% | 4,703 |
| Earnings coverage of net charge-offs (x) | 25.8667% | 1,019 |
| Efficiency ratio | 65.2641% | 5,112 |
| Assets per employee ($millions) | 3.5187% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4456% | 7,562 |
| Loan loss allowance to noncurrent loans | 14.7280% | 7,153 |
| Noncurrent assets plus other real estate owned to assets | 2.8485% | 2,535 |
| Noncurrent loans to loans | 3.0259% | 2,660 |
| Net loans and leases to total assets | 85.9519% | 228 |
| Net loans and leases to deposits | 115.5974% | 184 |
| Net loans and leases to core deposits | 118.5819% | 749 |
| Total domestic deposits to total assets | 74.3545% | 6,936 |
| Equity capital to assets | 23.3566% | 164 |
| Core capital (leverage) ratio | 23.2156% | 151 |
| Tier 1 risk-based capital ratio | 44.4500% | 189 |
| Total risk-based capital ratio | 45.1881% | 191 |
| Memoranda: | ||
| Average total assets | $46,230,000 | 6,783 |
| Average earning assets | $42,891,330 | 6,743 |
| Average equity | $10,564,000 | 5,043 |
| Average total loans | $39,664,670 | 6,061 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3751% | 460 |
| Cost of funding earning assets | 1.4733% | 3,718 |
| Net interest margin | 4.9018% | 516 |
| Noninterest income to average assets | 0.1807% | 6,664 |
| Noninterest expense to average assets | 3.3137% | 2,486 |
| Loan and lease loss provision to assets | 0.1033% | 5,590 |
| Net operating income to assets | 0.8263% | 2,854 |
| Return on assets (ROA) | 0.8263% | 2,947 |
| Pretax return on assets | 1.3169% | 2,010 |
| Return on Equity (ROE) | 3.6558% | 5,048 |
| Retained earnings to average equity (ytd only) | 3.6558% | 3,959 |
| Net charge-offs to loans | 0.1208% | 4,246 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 13.7500% | 1,475 |
| Efficiency ratio | 70.0000% | 4,294 |
| Assets per employee ($millions) | 3.5651% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4519% | 7,640 |
| Loan loss allowance to noncurrent loans | 29.9331% | 6,404 |
| Noncurrent assets plus other real estate owned to assets | 1.4133% | 4,391 |
| Noncurrent loans to loans | 1.5096% | 4,485 |
| Net loans and leases to total assets | 85.0839% | 283 |
| Net loans and leases to deposits | 113.2514% | 222 |
| Net loans and leases to core deposits | 116.0989% | 944 |
| Total domestic deposits to total assets | 75.1284% | 6,888 |
| Equity capital to assets | 22.7679% | 186 |
| Core capital (leverage) ratio | 22.6276% | 173 |
| Tier 1 risk-based capital ratio | 43.0534% | 210 |
| Total risk-based capital ratio | 43.7896% | 215 |
| Memoranda: | ||
| Average total assets | $46,473,500 | 6,862 |
| Average earning assets | $43,168,000 | 6,814 |
| Average equity | $10,504,000 | 5,097 |
| Average total loans | $39,750,500 | 6,132 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4517% | 735 |
| Cost of funding earning assets | 1.8246% | 3,856 |
| Net interest margin | 4.6271% | 937 |
| Noninterest income to average assets | 0.3972% | 5,222 |
| Noninterest expense to average assets | 3.1406% | 3,582 |
| Loan and lease loss provision to assets | 0.0131% | 7,358 |
| Net operating income to assets | 0.9603% | 1,984 |
| Return on assets (ROA) | 0.9603% | 2,030 |
| Pretax return on assets | 1.5496% | 1,074 |
| Return on Equity (ROE) | 4.3028% | 3,961 |
| Retained earnings to average equity (ytd only) | 4.3028% | 2,214 |
| Net charge-offs to loans | 0.0051% | 7,176 |
| Credit loss provision to net charge-offs | 300.0000% | 1,104 |
| Earnings coverage of net charge-offs (x) | 358.0000% | 81 |
| Efficiency ratio | 66.7749% | 5,232 |
| Assets per employee ($millions) | 3.5847% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4487% | 7,713 |
| Loan loss allowance to noncurrent loans | 72.1774% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 5,828 |
| Noncurrent loans to loans | 0.6217% | 5,998 |
| Net loans and leases to total assets | 85.2128% | 329 |
| Net loans and leases to deposits | 112.8863% | 294 |
| Net loans and leases to core deposits | 137.1249% | 908 |
| Total domestic deposits to total assets | 75.4855% | 6,777 |
| Equity capital to assets | 22.4373% | 215 |
| Core capital (leverage) ratio | 22.2972% | 202 |
| Tier 1 risk-based capital ratio | 42.3485% | 218 |
| Total risk-based capital ratio | 43.0794% | 218 |
| Memoranda: | ||
| Average total assets | $45,818,800 | 6,880 |
| Average earning assets | $42,640,200 | 6,832 |
| Average equity | $10,226,000 | 5,232 |
| Average total loans | $39,490,200 | 6,138 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4640% | 814 |
| Cost of funding earning assets | 1.9078% | 3,843 |
| Net interest margin | 4.5562% | 1,067 |
| Noninterest income to average assets | 0.3799% | 5,478 |
| Noninterest expense to average assets | 3.1007% | 3,648 |
| Loan and lease loss provision to assets | 0.0175% | 7,169 |
| Net operating income to assets | 0.9352% | 2,288 |
| Return on assets (ROA) | 0.9352% | 2,356 |
| Pretax return on assets | 1.5050% | 1,400 |
| Return on Equity (ROE) | 4.1959% | 4,302 |
| Retained earnings to average equity (ytd only) | 4.1959% | 2,933 |
| Net charge-offs to loans | 0.0068% | 6,867 |
| Credit loss provision to net charge-offs | 300.0000% | 1,367 |
| Earnings coverage of net charge-offs (x) | 260.1685% | 145 |
| Efficiency ratio | 67.0670% | 5,169 |
| Assets per employee ($millions) | 3.5196% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4598% | 7,757 |
| Loan loss allowance to noncurrent loans | 85.3774% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 5,982 |
| Noncurrent loans to loans | 0.5386% | 6,230 |
| Net loans and leases to total assets | 85.6344% | 377 |
| Net loans and leases to deposits | 113.9542% | 330 |
| Net loans and leases to core deposits | 135.9306% | 1,105 |
| Total domestic deposits to total assets | 75.1481% | 6,741 |
| Equity capital to assets | 22.5877% | 229 |
| Core capital (leverage) ratio | 22.4453% | 222 |
| Tier 1 risk-based capital ratio | 42.5212% | 238 |
| Total risk-based capital ratio | 43.2719% | 245 |
| Memoranda: | ||
| Average total assets | $45,623,250 | 6,939 |
| Average earning assets | $42,490,500 | 6,893 |
| Average equity | $10,168,500 | 5,296 |
| Average total loans | $39,390,500 | 6,183 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4313% | 939 |
| Cost of funding earning assets | 2.0009% | 3,776 |
| Net interest margin | 4.4303% | 1,336 |
| Noninterest income to average assets | 0.3730% | 5,525 |
| Noninterest expense to average assets | 3.0672% | 3,823 |
| Loan and lease loss provision to assets | 0.0176% | 7,044 |
| Net operating income to assets | 0.8820% | 2,527 |
| Return on assets (ROA) | 0.8820% | 2,632 |
| Pretax return on assets | 1.4173% | 1,673 |
| Return on Equity (ROE) | 3.9751% | 4,501 |
| Retained earnings to average equity (ytd only) | 3.9751% | 3,071 |
| Net charge-offs to loans | -0.0051% | 7,527 |
| Credit loss provision to net charge-offs | -400.0000% | 7,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1287% | 5,133 |
| Assets per employee ($millions) | 3.5542% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4605% | 7,830 |
| Loan loss allowance to noncurrent loans | 64.8936% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6103% | 5,895 |
| Noncurrent loans to loans | 0.7097% | 5,821 |
| Net loans and leases to total assets | 85.6073% | 424 |
| Net loans and leases to deposits | 116.0929% | 328 |
| Net loans and leases to core deposits | 251.0727% | 59 |
| Total domestic deposits to total assets | 73.7404% | 6,987 |
| Equity capital to assets | 22.1128% | 280 |
| Core capital (leverage) ratio | 21.9709% | 278 |
| Tier 1 risk-based capital ratio | 42.0579% | 266 |
| Total risk-based capital ratio | 42.8174% | 271 |
| Memoranda: | ||
| Average total assets | $45,579,330 | 6,997 |
| Average earning assets | $42,480,000 | 6,948 |
| Average equity | $10,113,000 | 5,333 |
| Average total loans | $39,399,670 | 6,232 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5618% | 767 |
| Cost of funding earning assets | 2.1525% | 3,404 |
| Net interest margin | 4.4093% | 1,323 |
| Noninterest income to average assets | 0.3535% | 5,613 |
| Noninterest expense to average assets | 3.1193% | 3,304 |
| Loan and lease loss provision to assets | 0.0353% | 6,501 |
| Net operating income to assets | 0.8130% | 3,076 |
| Return on assets (ROA) | 0.8130% | 3,233 |
| Pretax return on assets | 1.3078% | 2,256 |
| Return on Equity (ROE) | 3.6577% | 5,104 |
| Retained earnings to average equity (ytd only) | 3.6577% | 3,867 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9010% | 4,599 |
| Assets per employee ($millions) | 3.5025% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4693% | 7,864 |
| Loan loss allowance to noncurrent loans | 216.6667% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 6,662 |
| Noncurrent loans to loans | 0.2166% | 6,911 |
| Net loans and leases to total assets | 84.7693% | 583 |
| Net loans and leases to deposits | 112.3047% | 509 |
| Net loans and leases to core deposits | 136.8869% | 1,250 |
| Total domestic deposits to total assets | 75.4815% | 6,607 |
| Equity capital to assets | 22.1971% | 300 |
| Core capital (leverage) ratio | 22.0533% | 305 |
| Tier 1 risk-based capital ratio | 42.9471% | 280 |
| Total risk-based capital ratio | 43.7270% | 279 |
| Memoranda: | ||
| Average total assets | $45,267,000 | 7,057 |
| Average earning assets | $42,183,500 | 7,010 |
| Average equity | $10,061,000 | 5,365 |
| Average total loans | $39,231,000 | 6,265 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6635% | 2,186 |
| Cost of funding earning assets | 2.5670% | 3,868 |
| Net interest margin | 4.0965% | 2,724 |
| Noninterest income to average assets | 0.4604% | 4,965 |
| Noninterest expense to average assets | 3.1818% | 3,404 |
| Loan and lease loss provision to assets | 0.0091% | 7,255 |
| Net operating income to assets | 0.6826% | 3,970 |
| Return on assets (ROA) | 0.6826% | 3,807 |
| Pretax return on assets | 1.0840% | 3,076 |
| Return on Equity (ROE) | 3.0557% | 5,216 |
| Retained earnings to average equity (ytd only) | 3.0557% | 3,263 |
| Net charge-offs to loans | -0.0051% | 7,786 |
| Credit loss provision to net charge-offs | -200.0000% | 7,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4297% | 3,501 |
| Assets per employee ($millions) | 3.4616% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4460% | 7,925 |
| Loan loss allowance to noncurrent loans | 95.6757% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.5111% | 5,649 |
| Noncurrent loans to loans | 0.4662% | 5,949 |
| Net loans and leases to total assets | 87.7869% | 390 |
| Net loans and leases to deposits | 116.4240% | 507 |
| Net loans and leases to core deposits | 137.2512% | 1,426 |
| Total domestic deposits to total assets | 75.4028% | 6,370 |
| Equity capital to assets | 22.2551% | 339 |
| Core capital (leverage) ratio | 22.1097% | 335 |
| Tier 1 risk-based capital ratio | 42.2326% | 297 |
| Total risk-based capital ratio | 42.9853% | 297 |
| Memoranda: | ||
| Average total assets | $44,094,400 | 7,023 |
| Average earning assets | $41,059,600 | 6,990 |
| Average equity | $9,850,400 | 5,451 |
| Average total loans | $39,030,200 | 6,223 |