Home > Little Horn State Bank > Performance and Condition Ratios
Little Horn State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4801% | 357 |
| Cost of funding earning assets | 2.1687% | 680 |
| Net interest margin | 4.3114% | 798 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.6996% | 1,735 |
| Loan and lease loss provision to assets | 0.3300% | 321 |
| Net operating income to assets | 1.0614% | 2,037 |
| Return on assets (ROA) | 1.0667% | 1,987 |
| Pretax return on assets | 1.4231% | 1,587 |
| Return on Equity (ROE) | 10.0300% | 2,490 |
| Retained earnings to average equity (ytd only) | 10.0261% | 1,011 |
| Net charge-offs to loans | -0.0221% | 4,196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.7343% | 2,998 |
| Assets per employee ($millions) | 6.7108% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 1,775 |
| Loan loss allowance to noncurrent loans | 235.6125% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.4615% | 1,206 |
| Noncurrent loans to loans | 0.5509% | 1,426 |
| Net loans and leases to total assets | 82.6900% | 373 |
| Net loans and leases to deposits | 106.0465% | 293 |
| Net loans and leases to core deposits | 138.6178% | 289 |
| Total domestic deposits to total assets | 77.9700% | 3,732 |
| Equity capital to assets | 10.8534% | 1,557 |
| Core capital (leverage) ratio | 11.7705% | 1,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7853% | 1,942 |
| Memoranda: | ||
| Average total assets | $193,029,200 | 3,031 |
| Average earning assets | $180,475,200 | 3,003 |
| Average equity | $20,536,400 | 2,811 |
| Average total loans | $162,529,200 | 2,578 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3815% | 347 |
| Cost of funding earning assets | 2.0335% | 664 |
| Net interest margin | 4.3480% | 755 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.8671% | 1,291 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 1.0336% | 2,268 |
| Return on assets (ROA) | 1.0370% | 2,245 |
| Pretax return on assets | 1.3778% | 1,827 |
| Return on Equity (ROE) | 9.8100% | 2,696 |
| Retained earnings to average equity (ytd only) | 9.8084% | 1,460 |
| Net charge-offs to loans | -0.0180% | 4,104 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.6977% | 2,532 |
| Assets per employee ($millions) | 7.0311% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 1,987 |
| Loan loss allowance to noncurrent loans | 214.5935% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.5007% | 1,156 |
| Noncurrent loans to loans | 0.5941% | 1,350 |
| Net loans and leases to total assets | 83.2100% | 348 |
| Net loans and leases to deposits | 105.0920% | 318 |
| Net loans and leases to core deposits | 126.1571% | 416 |
| Total domestic deposits to total assets | 79.1800% | 3,659 |
| Equity capital to assets | 9.8621% | 1,906 |
| Core capital (leverage) ratio | 10.2326% | 2,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7073% | 2,387 |
| Memoranda: | ||
| Average total assets | $184,244,500 | 3,098 |
| Average earning assets | $172,306,750 | 3,080 |
| Average equity | $19,479,500 | 2,892 |
| Average total loans | $155,375,500 | 2,636 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1775% | 358 |
| Cost of funding earning assets | 1.8054% | 733 |
| Net interest margin | 4.3720% | 730 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.4368% | 2,382 |
| Loan and lease loss provision to assets | 0.3200% | 285 |
| Net operating income to assets | 1.2823% | 1,617 |
| Return on assets (ROA) | 1.2876% | 1,583 |
| Pretax return on assets | 1.7086% | 1,193 |
| Return on Equity (ROE) | 11.8700% | 2,191 |
| Retained earnings to average equity (ytd only) | 11.8736% | 1,006 |
| Net charge-offs to loans | -0.0334% | 4,274 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.6441% | 3,559 |
| Assets per employee ($millions) | 6.7321% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 1,906 |
| Loan loss allowance to noncurrent loans | 216.5475% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.5015% | 1,086 |
| Noncurrent loans to loans | 0.6034% | 1,235 |
| Net loans and leases to total assets | 82.0200% | 427 |
| Net loans and leases to deposits | 100.5993% | 492 |
| Net loans and leases to core deposits | 120.5092% | 499 |
| Total domestic deposits to total assets | 81.5300% | 3,326 |
| Equity capital to assets | 10.1607% | 1,768 |
| Core capital (leverage) ratio | 10.8673% | 2,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9891% | 2,302 |
| Memoranda: | ||
| Average total assets | $177,692,333 | 3,156 |
| Average earning assets | $165,278,000 | 3,157 |
| Average equity | $19,269,667 | 2,922 |
| Average total loans | $149,880,333 | 2,671 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1091% | 271 |
| Cost of funding earning assets | 1.5890% | 712 |
| Net interest margin | 4.5201% | 572 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.5598% | 2,079 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 1.3612% | 1,508 |
| Return on assets (ROA) | 1.3687% | 1,461 |
| Pretax return on assets | 1.7902% | 1,082 |
| Return on Equity (ROE) | 12.1800% | 2,172 |
| Retained earnings to average equity (ytd only) | 12.1774% | 1,235 |
| Net charge-offs to loans | -0.0473% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.2142% | 3,387 |
| Assets per employee ($millions) | 6.0717% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 2,081 |
| Loan loss allowance to noncurrent loans | 255.9413% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 1,212 |
| Noncurrent loans to loans | 0.5039% | 1,457 |
| Net loans and leases to total assets | 83.3200% | 280 |
| Net loans and leases to deposits | 99.2760% | 470 |
| Net loans and leases to core deposits | 107.4325% | 782 |
| Total domestic deposits to total assets | 83.9300% | 3,106 |
| Equity capital to assets | 10.9479% | 1,364 |
| Core capital (leverage) ratio | 11.6443% | 1,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7514% | 2,065 |
| Memoranda: | ||
| Average total assets | $168,922,500 | 3,268 |
| Average earning assets | $155,571,500 | 3,262 |
| Average equity | $18,986,000 | 2,979 |
| Average total loans | $143,696,000 | 2,766 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3602% | 183 |
| Cost of funding earning assets | 0.4922% | 1,449 |
| Net interest margin | 4.8680% | 163 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 3.1106% | 822 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 1.1659% | 1,908 |
| Return on assets (ROA) | 1.1632% | 1,853 |
| Pretax return on assets | 1.5750% | 1,224 |
| Return on Equity (ROE) | 11.0200% | 2,470 |
| Retained earnings to average equity (ytd only) | 10.4764% | 1,012 |
| Net charge-offs to loans | 0.2391% | 332 |
| Credit loss provision to net charge-offs | 118.9189% | 1,467 |
| Earnings coverage of net charge-offs (x) | 9.0236% | 2,238 |
| Efficiency ratio | 56.2768% | 3,557 |
| Assets per employee ($millions) | 5.7773% | 2,968 |
| Cash dividends to net income (ytd only)* | 4.9152% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 1,871 |
| Loan loss allowance to noncurrent loans | 236.9110% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.4723% | 1,071 |
| Noncurrent loans to loans | 0.5506% | 1,344 |
| Net loans and leases to total assets | 84.6600% | 217 |
| Net loans and leases to deposits | 99.7473% | 447 |
| Net loans and leases to core deposits | 106.4746% | 732 |
| Total domestic deposits to total assets | 84.8800% | 3,027 |
| Equity capital to assets | 11.5569% | 1,069 |
| Core capital (leverage) ratio | 11.8653% | 1,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2924% | 1,851 |
| Memoranda: | ||
| Average total assets | $146,918,600 | 3,470 |
| Average earning assets | $134,285,600 | 3,483 |
| Average equity | $15,511,000 | 3,323 |
| Average total loans | $123,814,000 | 2,888 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1388% | 174 |
| Cost of funding earning assets | 0.3169% | 1,998 |
| Net interest margin | 4.8219% | 143 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.8182% | 1,213 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 1.3639% | 1,184 |
| Return on assets (ROA) | 1.3602% | 1,165 |
| Pretax return on assets | 1.8472% | 660 |
| Return on Equity (ROE) | 13.2400% | 1,631 |
| Retained earnings to average equity (ytd only) | 12.4768% | 698 |
| Net charge-offs to loans | 0.0766% | 768 |
| Credit loss provision to net charge-offs | 386.9565% | 721 |
| Earnings coverage of net charge-offs (x) | 32.6957% | 1,484 |
| Efficiency ratio | 57.2970% | 3,473 |
| Assets per employee ($millions) | 5.7710% | 2,968 |
| Cash dividends to net income (ytd only)* | 5.7495% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 1,395 |
| Loan loss allowance to noncurrent loans | 320.5255% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 1,387 |
| Noncurrent loans to loans | 0.4578% | 1,662 |
| Net loans and leases to total assets | 84.1300% | 234 |
| Net loans and leases to deposits | 96.6163% | 526 |
| Net loans and leases to core deposits | 102.4669% | 720 |
| Total domestic deposits to total assets | 87.0800% | 2,737 |
| Equity capital to assets | 11.8312% | 915 |
| Core capital (leverage) ratio | 12.1409% | 1,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2575% | 1,955 |
| Memoranda: | ||
| Average total assets | $143,207,000 | 3,531 |
| Average earning assets | $131,700,250 | 3,527 |
| Average equity | $14,715,000 | 3,436 |
| Average total loans | $120,076,750 | 2,923 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8996% | 193 |
| Cost of funding earning assets | 0.2281% | 2,530 |
| Net interest margin | 4.6715% | 154 |
| Noninterest income to average assets | 0.5050% | 2,174 |
| Noninterest expense to average assets | 2.9294% | 944 |
| Loan and lease loss provision to assets | 0.1655% | 559 |
| Net operating income to assets | 1.2546% | 1,268 |
| Return on assets (ROA) | 1.2489% | 1,267 |
| Pretax return on assets | 1.7050% | 745 |
| Return on Equity (ROE) | 12.8831% | 1,409 |
| Retained earnings to average equity (ytd only) | 11.6364% | 672 |
| Net charge-offs to loans | -0.0864% | 4,400 |
| Credit loss provision to net charge-offs | -230.0000% | 3,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9398% | 3,185 |
| Assets per employee ($millions) | 5.7136% | 3,012 |
| Cash dividends to net income (ytd only)* | 9.6774% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5442% | 1,293 |
| Loan loss allowance to noncurrent loans | 238.8543% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 1,004 |
| Noncurrent loans to loans | 0.6465% | 1,323 |
| Net loans and leases to total assets | 85.6098% | 103 |
| Net loans and leases to deposits | 95.2286% | 461 |
| Net loans and leases to core deposits | 100.9627% | 632 |
| Total domestic deposits to total assets | 89.8992% | 1,751 |
| Equity capital to assets | 9.6941% | 1,885 |
| Core capital (leverage) ratio | 9.3388% | 3,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4939% | 2,928 |
| Memoranda: | ||
| Average total assets | $139,003,667 | 3,606 |
| Average earning assets | $128,011,000 | 3,619 |
| Average equity | $13,475,000 | 3,637 |
| Average total loans | $115,755,000 | 2,993 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 222 |
| Cost of funding earning assets | 0.1967% | 2,846 |
| Net interest margin | 4.5270% | 165 |
| Noninterest income to average assets | 0.4931% | 2,179 |
| Noninterest expense to average assets | 2.9412% | 896 |
| Loan and lease loss provision to assets | 0.1751% | 438 |
| Net operating income to assets | 1.1076% | 1,509 |
| Return on assets (ROA) | 1.1030% | 1,510 |
| Pretax return on assets | 1.5348% | 949 |
| Return on Equity (ROE) | 11.3778% | 1,496 |
| Retained earnings to average equity (ytd only) | 8.8494% | 1,308 |
| Net charge-offs to loans | -0.1363% | 4,529 |
| Credit loss provision to net charge-offs | -157.8947% | 2,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1579% | 3,123 |
| Assets per employee ($millions) | 5.4408% | 3,357 |
| Cash dividends to net income (ytd only)* | 22.2222% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 1,131 |
| Loan loss allowance to noncurrent loans | 183.4490% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.7133% | 793 |
| Noncurrent loans to loans | 0.9042% | 1,019 |
| Net loans and leases to total assets | 77.5756% | 406 |
| Net loans and leases to deposits | 86.2078% | 719 |
| Net loans and leases to core deposits | 90.8353% | 885 |
| Total domestic deposits to total assets | 89.9867% | 1,570 |
| Equity capital to assets | 9.4810% | 2,301 |
| Core capital (leverage) ratio | 9.3938% | 2,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6830% | 2,955 |
| Memoranda: | ||
| Average total assets | $137,085,500 | 3,645 |
| Average earning assets | $126,087,500 | 3,657 |
| Average equity | $13,289,000 | 3,729 |
| Average total loans | $111,531,000 | 3,041 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7134% | 105 |
| Cost of funding earning assets | 0.1944% | 3,531 |
| Net interest margin | 5.5189% | 83 |
| Noninterest income to average assets | 0.4965% | 2,583 |
| Noninterest expense to average assets | 3.0436% | 928 |
| Loan and lease loss provision to assets | 0.1139% | 1,104 |
| Net operating income to assets | 1.7030% | 626 |
| Return on assets (ROA) | 1.7090% | 645 |
| Pretax return on assets | 2.3027% | 344 |
| Return on Equity (ROE) | 17.9939% | 466 |
| Retained earnings to average equity (ytd only) | 14.8843% | 235 |
| Net charge-offs to loans | -0.0058% | 3,589 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8201% | 3,722 |
| Assets per employee ($millions) | 5.1042% | 3,640 |
| Cash dividends to net income (ytd only)* | 17.2812% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 1,324 |
| Loan loss allowance to noncurrent loans | 172.9783% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.7641% | 799 |
| Noncurrent loans to loans | 0.9097% | 1,113 |
| Net loans and leases to total assets | 82.6749% | 154 |
| Net loans and leases to deposits | 92.4836% | 442 |
| Net loans and leases to core deposits | 97.6113% | 631 |
| Total domestic deposits to total assets | 89.3941% | 1,302 |
| Equity capital to assets | 9.9210% | 2,735 |
| Core capital (leverage) ratio | 9.2568% | 3,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1500% | 2,854 |
| Memoranda: | ||
| Average total assets | $131,717,000 | 3,659 |
| Average earning assets | $118,284,200 | 3,703 |
| Average equity | $12,509,800 | 3,880 |
| Average total loans | $103,517,600 | 3,154 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0433% | 82 |
| Cost of funding earning assets | 0.1991% | 3,613 |
| Net interest margin | 5.8442% | 65 |
| Noninterest income to average assets | 0.4919% | 2,658 |
| Noninterest expense to average assets | 3.0729% | 858 |
| Loan and lease loss provision to assets | 0.1521% | 735 |
| Net operating income to assets | 1.8351% | 621 |
| Return on assets (ROA) | 1.8407% | 646 |
| Pretax return on assets | 2.4827% | 345 |
| Return on Equity (ROE) | 19.6014% | 455 |
| Retained earnings to average equity (ytd only) | 19.3206% | 156 |
| Net charge-offs to loans | -0.0105% | 3,690 |
| Credit loss provision to net charge-offs | -1,875.0000% | 3,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9050% | 3,825 |
| Assets per employee ($millions) | 4.9872% | 3,714 |
| Cash dividends to net income (ytd only)* | 1.4325% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6306% | 1,258 |
| Loan loss allowance to noncurrent loans | 193.1793% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 1,113 |
| Noncurrent loans to loans | 0.8441% | 1,353 |
| Net loans and leases to total assets | 78.6729% | 365 |
| Net loans and leases to deposits | 87.8322% | 727 |
| Net loans and leases to core deposits | 92.4100% | 906 |
| Total domestic deposits to total assets | 89.5719% | 977 |
| Equity capital to assets | 9.7301% | 3,170 |
| Core capital (leverage) ratio | 9.3086% | 3,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1796% | 2,652 |
| Memoranda: | ||
| Average total assets | $131,469,000 | 3,696 |
| Average earning assets | $117,173,250 | 3,764 |
| Average equity | $12,345,750 | 3,948 |
| Average total loans | $101,529,250 | 3,217 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8669% | 49 |
| Cost of funding earning assets | 0.2130% | 3,627 |
| Net interest margin | 6.6539% | 39 |
| Noninterest income to average assets | 0.4908% | 2,661 |
| Noninterest expense to average assets | 3.0643% | 889 |
| Loan and lease loss provision to assets | 0.2300% | 455 |
| Net operating income to assets | 2.2806% | 292 |
| Return on assets (ROA) | 2.2867% | 311 |
| Pretax return on assets | 3.0965% | 172 |
| Return on Equity (ROE) | 24.6575% | 209 |
| Retained earnings to average equity (ytd only) | 24.3764% | 79 |
| Net charge-offs to loans | -0.0080% | 3,595 |
| Credit loss provision to net charge-offs | -3,750.0000% | 3,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0058% | 4,383 |
| Assets per employee ($millions) | 5.5070% | 3,117 |
| Cash dividends to net income (ytd only)* | 1.1402% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6937% | 1,073 |
| Loan loss allowance to noncurrent loans | 159.4177% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.7983% | 1,017 |
| Noncurrent loans to loans | 1.0624% | 1,147 |
| Net loans and leases to total assets | 73.8638% | 768 |
| Net loans and leases to deposits | 82.0084% | 1,220 |
| Net loans and leases to core deposits | 86.1585% | 1,404 |
| Total domestic deposits to total assets | 90.0686% | 743 |
| Equity capital to assets | 9.2885% | 3,518 |
| Core capital (leverage) ratio | 8.9533% | 3,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2972% | 2,611 |
| Memoranda: | ||
| Average total assets | $130,407,000 | 3,722 |
| Average earning assets | $115,481,667 | 3,794 |
| Average equity | $12,093,667 | 3,978 |
| Average total loans | $99,474,667 | 3,259 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4187% | 36 |
| Cost of funding earning assets | 0.2458% | 3,511 |
| Net interest margin | 7.1730% | 30 |
| Noninterest income to average assets | 0.4922% | 2,642 |
| Noninterest expense to average assets | 2.9912% | 1,011 |
| Loan and lease loss provision to assets | 0.2366% | 463 |
| Net operating income to assets | 2.7421% | 189 |
| Return on assets (ROA) | 2.7545% | 213 |
| Pretax return on assets | 3.7263% | 121 |
| Return on Equity (ROE) | 29.7280% | 146 |
| Retained earnings to average equity (ytd only) | 29.4215% | 80 |
| Net charge-offs to loans | -0.0123% | 3,759 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1105% | 4,625 |
| Assets per employee ($millions) | 5.2956% | 3,339 |
| Cash dividends to net income (ytd only)* | 1.0309% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6632% | 1,138 |
| Loan loss allowance to noncurrent loans | 103.0117% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.2289% | 605 |
| Noncurrent loans to loans | 1.6146% | 755 |
| Net loans and leases to total assets | 74.8495% | 729 |
| Net loans and leases to deposits | 83.0573% | 1,242 |
| Net loans and leases to core deposits | 87.6232% | 1,398 |
| Total domestic deposits to total assets | 90.1179% | 765 |
| Equity capital to assets | 9.1910% | 3,499 |
| Core capital (leverage) ratio | 9.1410% | 3,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8191% | 2,362 |
| Memoranda: | ||
| Average total assets | $126,773,000 | 3,769 |
| Average earning assets | $113,928,000 | 3,813 |
| Average equity | $11,746,500 | 4,024 |
| Average total loans | $97,490,000 | 3,296 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2099% | 336 |
| Cost of funding earning assets | 0.4211% | 3,451 |
| Net interest margin | 4.7887% | 176 |
| Noninterest income to average assets | 0.5557% | 2,395 |
| Noninterest expense to average assets | 3.1870% | 1,078 |
| Loan and lease loss provision to assets | 0.2671% | 1,444 |
| Net operating income to assets | 1.1102% | 1,889 |
| Return on assets (ROA) | 1.1095% | 2,011 |
| Pretax return on assets | 1.4951% | 1,342 |
| Return on Equity (ROE) | 11.5462% | 1,460 |
| Retained earnings to average equity (ytd only) | 9.0813% | 752 |
| Net charge-offs to loans | 0.0227% | 2,594 |
| Credit loss provision to net charge-offs | 1,428.5714% | 583 |
| Earnings coverage of net charge-offs (x) | 94.2857% | 817 |
| Efficiency ratio | 64.3821% | 2,755 |
| Assets per employee ($millions) | 4.8462% | 3,555 |
| Cash dividends to net income (ytd only)* | 21.3483% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6962% | 1,047 |
| Loan loss allowance to noncurrent loans | 67.3126% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.9595% | 292 |
| Noncurrent loans to loans | 2.5199% | 397 |
| Net loans and leases to total assets | 76.4409% | 741 |
| Net loans and leases to deposits | 84.8740% | 1,376 |
| Net loans and leases to core deposits | 90.8950% | 1,461 |
| Total domestic deposits to total assets | 90.0640% | 539 |
| Equity capital to assets | 9.3475% | 3,744 |
| Core capital (leverage) ratio | 8.8972% | 3,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9317% | 2,655 |
| Memoranda: | ||
| Average total assets | $112,300,200 | 3,851 |
| Average earning assets | $103,054,200 | 3,859 |
| Average equity | $10,791,400 | 4,107 |
| Average total loans | $92,525,400 | 3,362 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4308% | 266 |
| Cost of funding earning assets | 0.4644% | 3,446 |
| Net interest margin | 4.9664% | 147 |
| Noninterest income to average assets | 0.5777% | 2,266 |
| Noninterest expense to average assets | 3.2471% | 983 |
| Loan and lease loss provision to assets | 0.2725% | 1,482 |
| Net operating income to assets | 1.1971% | 1,643 |
| Return on assets (ROA) | 1.1942% | 1,780 |
| Pretax return on assets | 1.6132% | 1,154 |
| Return on Equity (ROE) | 12.3347% | 1,291 |
| Retained earnings to average equity (ytd only) | 10.4707% | 677 |
| Net charge-offs to loans | -0.0058% | 4,083 |
| Credit loss provision to net charge-offs | -5,625.0000% | 4,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2162% | 2,878 |
| Assets per employee ($millions) | 4.6782% | 3,625 |
| Cash dividends to net income (ytd only)* | 15.1116% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 1,314 |
| Loan loss allowance to noncurrent loans | 121.4118% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.2492% | 777 |
| Noncurrent loans to loans | 1.2576% | 1,192 |
| Net loans and leases to total assets | 85.3627% | 185 |
| Net loans and leases to deposits | 96.0553% | 756 |
| Net loans and leases to core deposits | 103.2099% | 972 |
| Total domestic deposits to total assets | 88.8684% | 826 |
| Equity capital to assets | 9.5575% | 3,639 |
| Core capital (leverage) ratio | 9.1818% | 3,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4792% | 2,800 |
| Memoranda: | ||
| Average total assets | $110,086,500 | 3,877 |
| Average earning assets | $101,050,250 | 3,875 |
| Average equity | $10,658,000 | 4,135 |
| Average total loans | $92,104,250 | 3,382 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0325% | 785 |
| Cost of funding earning assets | 0.5233% | 3,395 |
| Net interest margin | 4.5092% | 491 |
| Noninterest income to average assets | 0.5863% | 2,182 |
| Noninterest expense to average assets | 3.2988% | 999 |
| Loan and lease loss provision to assets | 0.2783% | 1,539 |
| Net operating income to assets | 0.8356% | 2,916 |
| Return on assets (ROA) | 0.8312% | 3,051 |
| Pretax return on assets | 1.1280% | 2,626 |
| Return on Equity (ROE) | 8.5458% | 2,544 |
| Retained earnings to average equity (ytd only) | 7.9926% | 1,310 |
| Net charge-offs to loans | -0.0135% | 4,292 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0276% | 1,952 |
| Assets per employee ($millions) | 4.7392% | 3,488 |
| Cash dividends to net income (ytd only)* | 6.4732% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 1,212 |
| Loan loss allowance to noncurrent loans | 92.2452% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.5694% | 578 |
| Noncurrent loans to loans | 1.6455% | 891 |
| Net loans and leases to total assets | 84.1394% | 240 |
| Net loans and leases to deposits | 93.5274% | 1,002 |
| Net loans and leases to core deposits | 100.6066% | 1,216 |
| Total domestic deposits to total assets | 89.9623% | 409 |
| Equity capital to assets | 9.4434% | 3,710 |
| Core capital (leverage) ratio | 9.0477% | 3,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2186% | 2,909 |
| Memoranda: | ||
| Average total assets | $107,797,000 | 3,895 |
| Average earning assets | $98,599,333 | 3,899 |
| Average equity | $10,484,667 | 4,169 |
| Average total loans | $89,011,000 | 3,435 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3408% | 505 |
| Cost of funding earning assets | 0.6325% | 3,256 |
| Net interest margin | 4.7083% | 323 |
| Noninterest income to average assets | 0.6601% | 1,802 |
| Noninterest expense to average assets | 3.4725% | 973 |
| Loan and lease loss provision to assets | 0.2862% | 1,086 |
| Net operating income to assets | 0.8624% | 2,648 |
| Return on assets (ROA) | 0.8624% | 2,752 |
| Pretax return on assets | 1.1906% | 2,230 |
| Return on Equity (ROE) | 8.7288% | 2,217 |
| Retained earnings to average equity (ytd only) | 8.0722% | 1,211 |
| Net charge-offs to loans | -0.0188% | 4,314 |
| Credit loss provision to net charge-offs | -1,875.0000% | 3,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1619% | 2,327 |
| Assets per employee ($millions) | 4.3883% | 3,426 |
| Cash dividends to net income (ytd only)* | 7.5221% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6732% | 914 |
| Loan loss allowance to noncurrent loans | 89.9614% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.6521% | 608 |
| Noncurrent loans to loans | 1.8599% | 797 |
| Net loans and leases to total assets | 78.0076% | 984 |
| Net loans and leases to deposits | 87.3721% | 1,820 |
| Net loans and leases to core deposits | 93.7865% | 1,996 |
| Total domestic deposits to total assets | 89.2820% | 554 |
| Equity capital to assets | 9.9119% | 3,874 |
| Core capital (leverage) ratio | 9.4608% | 4,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2868% | 3,012 |
| Memoranda: | ||
| Average total assets | $104,825,000 | 3,915 |
| Average earning assets | $95,491,500 | 3,934 |
| Average equity | $10,356,500 | 4,199 |
| Average total loans | $84,928,500 | 3,500 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7981% | 327 |
| Cost of funding earning assets | 0.7261% | 3,035 |
| Net interest margin | 5.0720% | 228 |
| Noninterest income to average assets | 0.6340% | 2,077 |
| Noninterest expense to average assets | 3.6366% | 823 |
| Loan and lease loss provision to assets | 0.2278% | 846 |
| Net operating income to assets | 1.0104% | 2,813 |
| Return on assets (ROA) | 1.0104% | 2,900 |
| Pretax return on assets | 1.3502% | 2,328 |
| Return on Equity (ROE) | 10.3724% | 2,132 |
| Retained earnings to average equity (ytd only) | 8.1454% | 931 |
| Net charge-offs to loans | -0.0012% | 4,186 |
| Credit loss provision to net charge-offs | -23,000.0000% | 4,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7378% | 2,208 |
| Assets per employee ($millions) | 4.3472% | 3,440 |
| Cash dividends to net income (ytd only)* | 21.4706% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 1,146 |
| Loan loss allowance to noncurrent loans | 174.0106% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.9048% | 1,407 |
| Noncurrent loans to loans | 0.8783% | 1,745 |
| Net loans and leases to total assets | 81.4554% | 624 |
| Net loans and leases to deposits | 91.4318% | 1,439 |
| Net loans and leases to core deposits | 97.3627% | 1,784 |
| Total domestic deposits to total assets | 89.0887% | 634 |
| Equity capital to assets | 9.8474% | 4,060 |
| Core capital (leverage) ratio | 9.4150% | 4,152 |
| Tier 1 risk-based capital ratio | 10.7340% | 4,953 |
| Total risk-based capital ratio | 11.9859% | 4,860 |
| Memoranda: | ||
| Average total assets | $100,947,000 | 3,988 |
| Average earning assets | $91,167,400 | 4,030 |
| Average equity | $9,833,800 | 4,264 |
| Average total loans | $81,066,600 | 3,580 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7713% | 369 |
| Cost of funding earning assets | 0.7111% | 3,158 |
| Net interest margin | 5.0602% | 255 |
| Noninterest income to average assets | 0.6433% | 2,019 |
| Noninterest expense to average assets | 3.6842% | 765 |
| Loan and lease loss provision to assets | 0.2264% | 755 |
| Net operating income to assets | 0.9763% | 3,066 |
| Return on assets (ROA) | 0.9763% | 3,141 |
| Pretax return on assets | 1.3013% | 2,666 |
| Return on Equity (ROE) | 10.0508% | 2,406 |
| Retained earnings to average equity (ytd only) | 8.7755% | 1,107 |
| Net charge-offs to loans | 0.0100% | 3,012 |
| Credit loss provision to net charge-offs | 2,833.3333% | 144 |
| Earnings coverage of net charge-offs (x) | 191.1625% | 453 |
| Efficiency ratio | 70.6875% | 2,026 |
| Assets per employee ($millions) | 4.1930% | 3,626 |
| Cash dividends to net income (ytd only)* | 12.6879% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 1,531 |
| Loan loss allowance to noncurrent loans | 223.1729% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.6852% | 1,982 |
| Noncurrent loans to loans | 0.6322% | 2,390 |
| Net loans and leases to total assets | 80.2429% | 819 |
| Net loans and leases to deposits | 99.1331% | 712 |
| Net loans and leases to core deposits | 103.3713% | 1,382 |
| Total domestic deposits to total assets | 80.9446% | 3,778 |
| Equity capital to assets | 9.2608% | 4,625 |
| Core capital (leverage) ratio | 9.6906% | 3,983 |
| Tier 1 risk-based capital ratio | 9.9524% | 5,196 |
| Total risk-based capital ratio | 11.2022% | 5,145 |
| Memoranda: | ||
| Average total assets | $100,100,750 | 4,042 |
| Average earning assets | $90,376,500 | 4,087 |
| Average equity | $9,723,750 | 4,323 |
| Average total loans | $79,757,500 | 3,646 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7014% | 409 |
| Cost of funding earning assets | 0.6874% | 3,234 |
| Net interest margin | 5.0140% | 282 |
| Noninterest income to average assets | 0.6713% | 1,830 |
| Noninterest expense to average assets | 3.7826% | 678 |
| Loan and lease loss provision to assets | 0.2265% | 726 |
| Net operating income to assets | 0.9122% | 3,234 |
| Return on assets (ROA) | 0.9122% | 3,297 |
| Pretax return on assets | 1.2128% | 2,869 |
| Return on Equity (ROE) | 9.2295% | 2,767 |
| Retained earnings to average equity (ytd only) | 8.3336% | 1,266 |
| Net charge-offs to loans | -0.0130% | 4,403 |
| Credit loss provision to net charge-offs | -2,200.0000% | 4,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4369% | 1,856 |
| Assets per employee ($millions) | 3.7993% | 4,127 |
| Cash dividends to net income (ytd only)* | 9.7065% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4674% | 1,368 |
| Loan loss allowance to noncurrent loans | 158.9168% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.9546% | 1,462 |
| Noncurrent loans to loans | 0.9234% | 1,774 |
| Net loans and leases to total assets | 81.7770% | 645 |
| Net loans and leases to deposits | 92.8528% | 1,393 |
| Net loans and leases to core deposits | 96.8771% | 1,991 |
| Total domestic deposits to total assets | 88.0717% | 1,073 |
| Equity capital to assets | 9.9775% | 3,990 |
| Core capital (leverage) ratio | 9.5494% | 4,104 |
| Tier 1 risk-based capital ratio | 10.7673% | 5,005 |
| Total risk-based capital ratio | 12.0183% | 4,915 |
| Memoranda: | ||
| Average total assets | $97,128,000 | 4,113 |
| Average earning assets | $88,153,330 | 4,145 |
| Average equity | $9,599,670 | 4,356 |
| Average total loans | $76,766,000 | 3,719 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5373% | 490 |
| Cost of funding earning assets | 0.6738% | 3,182 |
| Net interest margin | 4.8635% | 363 |
| Noninterest income to average assets | 0.6937% | 1,635 |
| Noninterest expense to average assets | 3.8214% | 642 |
| Loan and lease loss provision to assets | 0.1869% | 881 |
| Net operating income to assets | 0.8266% | 3,523 |
| Return on assets (ROA) | 0.8266% | 3,564 |
| Pretax return on assets | 1.0924% | 3,174 |
| Return on Equity (ROE) | 8.4042% | 3,077 |
| Retained earnings to average equity (ytd only) | 7.5173% | 1,840 |
| Net charge-offs to loans | -0.0054% | 4,046 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9186% | 1,622 |
| Assets per employee ($millions) | 3.7383% | 4,292 |
| Cash dividends to net income (ytd only)* | 10.5528% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4863% | 1,377 |
| Loan loss allowance to noncurrent loans | 89.5735% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.3025% | 1,002 |
| Noncurrent loans to loans | 1.6593% | 939 |
| Net loans and leases to total assets | 77.3326% | 1,272 |
| Net loans and leases to deposits | 86.5448% | 2,064 |
| Net loans and leases to core deposits | 90.0137% | 2,502 |
| Total domestic deposits to total assets | 89.3556% | 708 |
| Equity capital to assets | 9.8552% | 3,962 |
| Core capital (leverage) ratio | 9.4410% | 4,210 |
| Tier 1 risk-based capital ratio | 11.1933% | 4,887 |
| Total risk-based capital ratio | 12.4446% | 4,797 |
| Memoranda: | ||
| Average total assets | $96,301,000 | 4,162 |
| Average earning assets | $87,263,000 | 4,196 |
| Average equity | $9,471,500 | 4,405 |
| Average total loans | $74,157,000 | 3,798 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5674% | 346 |
| Cost of funding earning assets | 0.4529% | 3,663 |
| Net interest margin | 5.1145% | 218 |
| Noninterest income to average assets | 0.6991% | 1,857 |
| Noninterest expense to average assets | 3.6784% | 792 |
| Loan and lease loss provision to assets | 0.1534% | 1,379 |
| Net operating income to assets | 1.1943% | 2,198 |
| Return on assets (ROA) | 1.1943% | 2,196 |
| Pretax return on assets | 1.4825% | 1,835 |
| Return on Equity (ROE) | 12.1025% | 1,681 |
| Retained earnings to average equity (ytd only) | 7.3725% | 1,513 |
| Net charge-offs to loans | 0.1519% | 1,258 |
| Credit loss provision to net charge-offs | 125.0000% | 2,099 |
| Earnings coverage of net charge-offs (x) | 13.3304% | 2,470 |
| Efficiency ratio | 69.2165% | 2,342 |
| Assets per employee ($millions) | 3.6694% | 4,365 |
| Cash dividends to net income (ytd only)* | 39.0826% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 1,261 |
| Loan loss allowance to noncurrent loans | 176.3371% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.6467% | 2,107 |
| Noncurrent loans to loans | 0.8568% | 1,883 |
| Net loans and leases to total assets | 74.3431% | 1,878 |
| Net loans and leases to deposits | 83.0459% | 2,618 |
| Net loans and leases to core deposits | 85.5037% | 2,953 |
| Total domestic deposits to total assets | 89.5205% | 650 |
| Equity capital to assets | 9.8150% | 3,847 |
| Core capital (leverage) ratio | 9.4707% | 4,149 |
| Tier 1 risk-based capital ratio | 11.6085% | 4,662 |
| Total risk-based capital ratio | 12.8595% | 4,551 |
| Memoranda: | ||
| Average total assets | $91,263,200 | 4,248 |
| Average earning assets | $82,354,800 | 4,274 |
| Average equity | $9,006,400 | 4,459 |
| Average total loans | $73,756,200 | 3,792 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5381% | 334 |
| Cost of funding earning assets | 0.3867% | 3,962 |
| Net interest margin | 5.1514% | 196 |
| Noninterest income to average assets | 0.6916% | 1,900 |
| Noninterest expense to average assets | 3.7371% | 724 |
| Loan and lease loss provision to assets | 0.1108% | 1,820 |
| Net operating income to assets | 1.2295% | 2,123 |
| Return on assets (ROA) | 1.2295% | 2,125 |
| Pretax return on assets | 1.4895% | 1,936 |
| Return on Equity (ROE) | 12.4404% | 1,623 |
| Retained earnings to average equity (ytd only) | 6.3547% | 2,455 |
| Net charge-offs to loans | 0.0575% | 1,995 |
| Credit loss provision to net charge-offs | 234.3750% | 1,234 |
| Earnings coverage of net charge-offs (x) | 33.8402% | 1,506 |
| Efficiency ratio | 70.0166% | 2,184 |
| Assets per employee ($millions) | 3.9018% | 4,040 |
| Cash dividends to net income (ytd only)* | 48.9178% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 1,533 |
| Loan loss allowance to noncurrent loans | 180.2288% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.7027% | 2,095 |
| Noncurrent loans to loans | 0.8031% | 2,104 |
| Net loans and leases to total assets | 80.1969% | 987 |
| Net loans and leases to deposits | 89.5121% | 1,958 |
| Net loans and leases to core deposits | 92.2104% | 2,455 |
| Total domestic deposits to total assets | 89.5933% | 641 |
| Equity capital to assets | 9.7253% | 3,897 |
| Core capital (leverage) ratio | 9.6893% | 3,951 |
| Tier 1 risk-based capital ratio | 10.6995% | 5,172 |
| Total risk-based capital ratio | 11.9503% | 5,077 |
| Memoranda: | ||
| Average total assets | $90,227,750 | 4,307 |
| Average earning assets | $81,374,000 | 4,342 |
| Average equity | $8,917,000 | 4,509 |
| Average total loans | $74,191,500 | 3,823 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5165% | 313 |
| Cost of funding earning assets | 0.3154% | 4,308 |
| Net interest margin | 5.2011% | 168 |
| Noninterest income to average assets | 0.7206% | 1,789 |
| Noninterest expense to average assets | 3.8478% | 640 |
| Loan and lease loss provision to assets | 0.0898% | 2,125 |
| Net operating income to assets | 1.2863% | 1,835 |
| Return on assets (ROA) | 1.2863% | 1,833 |
| Pretax return on assets | 1.4839% | 1,873 |
| Return on Equity (ROE) | 12.9438% | 1,393 |
| Retained earnings to average equity (ytd only) | 7.6578% | 1,773 |
| Net charge-offs to loans | -0.0027% | 3,996 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9731% | 2,168 |
| Assets per employee ($millions) | 3.6351% | 4,418 |
| Cash dividends to net income (ytd only)* | 40.8377% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4863% | 1,440 |
| Loan loss allowance to noncurrent loans | 155.9490% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.8092% | 1,848 |
| Noncurrent loans to loans | 0.9530% | 1,824 |
| Net loans and leases to total assets | 83.6489% | 501 |
| Net loans and leases to deposits | 94.1517% | 1,339 |
| Net loans and leases to core deposits | 97.2288% | 1,942 |
| Total domestic deposits to total assets | 88.8448% | 999 |
| Equity capital to assets | 10.3643% | 3,262 |
| Core capital (leverage) ratio | 9.9463% | 3,636 |
| Tier 1 risk-based capital ratio | 10.8102% | 5,151 |
| Total risk-based capital ratio | 12.0616% | 5,040 |
| Memoranda: | ||
| Average total assets | $89,089,670 | 4,364 |
| Average earning assets | $80,522,000 | 4,394 |
| Average equity | $8,853,670 | 4,554 |
| Average total loans | $73,521,670 | 3,859 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3380% | 377 |
| Cost of funding earning assets | 0.2750% | 4,543 |
| Net interest margin | 5.0630% | 208 |
| Noninterest income to average assets | 0.5999% | 2,257 |
| Noninterest expense to average assets | 3.8883% | 598 |
| Loan and lease loss provision to assets | 0.1111% | 1,693 |
| Net operating income to assets | 1.2354% | 1,868 |
| Return on assets (ROA) | 1.2354% | 1,877 |
| Pretax return on assets | 1.1820% | 2,835 |
| Return on Equity (ROE) | 12.6948% | 1,355 |
| Retained earnings to average equity (ytd only) | 2.8769% | 4,046 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0429% | 1,743 |
| Assets per employee ($millions) | 3.5254% | 4,638 |
| Cash dividends to net income (ytd only)* | 77.3381% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 1,441 |
| Loan loss allowance to noncurrent loans | 101.7824% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 1.2095% | 1,258 |
| Noncurrent loans to loans | 1.4797% | 1,195 |
| Net loans and leases to total assets | 80.5117% | 868 |
| Net loans and leases to deposits | 89.9616% | 1,698 |
| Net loans and leases to core deposits | 92.8406% | 2,228 |
| Total domestic deposits to total assets | 89.4957% | 892 |
| Equity capital to assets | 9.9529% | 3,643 |
| Core capital (leverage) ratio | 9.3632% | 4,238 |
| Tier 1 risk-based capital ratio | 10.6026% | 5,320 |
| Total risk-based capital ratio | 11.8538% | 5,218 |
| Memoranda: | ||
| Average total assets | $90,013,500 | 4,397 |
| Average earning assets | $81,453,500 | 4,417 |
| Average equity | $8,759,500 | 4,615 |
| Average total loans | $73,243,500 | 3,902 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2224% | 429 |
| Cost of funding earning assets | 0.2874% | 4,253 |
| Net interest margin | 4.9351% | 263 |
| Noninterest income to average assets | 0.6456% | 2,224 |
| Noninterest expense to average assets | 3.5805% | 922 |
| Loan and lease loss provision to assets | 0.1849% | 1,151 |
| Net operating income to assets | 0.9938% | 2,275 |
| Return on assets (ROA) | 0.9938% | 2,309 |
| Pretax return on assets | 1.3561% | 2,143 |
| Return on Equity (ROE) | 11.1246% | 1,426 |
| Retained earnings to average equity (ytd only) | 10.3256% | 311 |
| Net charge-offs to loans | 0.0496% | 2,800 |
| Credit loss provision to net charge-offs | 475.0000% | 658 |
| Earnings coverage of net charge-offs (x) | 39.5833% | 1,269 |
| Efficiency ratio | 69.9113% | 2,566 |
| Assets per employee ($millions) | 3.6757% | 4,472 |
| Cash dividends to net income (ytd only)* | 7.1817% | 3,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 1,672 |
| Loan loss allowance to noncurrent loans | 266.3317% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.4331% | 3,136 |
| Noncurrent loans to loans | 0.5346% | 2,896 |
| Net loans and leases to total assets | 79.8579% | 981 |
| Net loans and leases to deposits | 89.1057% | 1,883 |
| Net loans and leases to core deposits | 91.8332% | 2,390 |
| Total domestic deposits to total assets | 89.6215% | 723 |
| Equity capital to assets | 9.5188% | 4,220 |
| Core capital (leverage) ratio | 8.9054% | 4,750 |
| Tier 1 risk-based capital ratio | 10.3860% | 5,409 |
| Total risk-based capital ratio | 11.6361% | 5,327 |
| Memoranda: | ||
| Average total assets | $92,472,600 | 4,383 |
| Average earning assets | $83,868,800 | 4,406 |
| Average equity | $8,261,000 | 4,742 |
| Average total loans | $72,590,400 | 3,906 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0830% | 517 |
| Cost of funding earning assets | 0.2781% | 4,338 |
| Net interest margin | 4.8050% | 329 |
| Noninterest income to average assets | 0.6133% | 2,400 |
| Noninterest expense to average assets | 3.6594% | 804 |
| Loan and lease loss provision to assets | 0.1814% | 1,098 |
| Net operating income to assets | 0.7241% | 3,854 |
| Return on assets (ROA) | 0.7241% | 3,916 |
| Pretax return on assets | 1.1257% | 3,205 |
| Return on Equity (ROE) | 8.2394% | 3,001 |
| Retained earnings to average equity (ytd only) | 7.3877% | 1,498 |
| Net charge-offs to loans | 0.0444% | 2,555 |
| Credit loss provision to net charge-offs | 525.0000% | 605 |
| Earnings coverage of net charge-offs (x) | 37.8325% | 1,359 |
| Efficiency ratio | 73.6812% | 1,943 |
| Assets per employee ($millions) | 3.7645% | 4,349 |
| Cash dividends to net income (ytd only)* | 10.3377% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 2,161 |
| Loan loss allowance to noncurrent loans | 307.4850% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 3,612 |
| Noncurrent loans to loans | 0.4359% | 3,401 |
| Net loans and leases to total assets | 80.3173% | 938 |
| Net loans and leases to deposits | 89.0718% | 1,916 |
| Net loans and leases to core deposits | 92.0504% | 2,438 |
| Total domestic deposits to total assets | 90.1714% | 414 |
| Equity capital to assets | 8.8904% | 5,003 |
| Core capital (leverage) ratio | 8.4348% | 5,289 |
| Tier 1 risk-based capital ratio | 9.6679% | 5,654 |
| Total risk-based capital ratio | 10.9177% | 5,631 |
| Memoranda: | ||
| Average total assets | $92,617,750 | 4,417 |
| Average earning assets | $83,911,250 | 4,442 |
| Average equity | $8,139,500 | 4,817 |
| Average total loans | $72,127,250 | 3,948 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9259% | 659 |
| Cost of funding earning assets | 0.2531% | 4,516 |
| Net interest margin | 4.6728% | 414 |
| Noninterest income to average assets | 0.5992% | 2,461 |
| Noninterest expense to average assets | 3.5801% | 890 |
| Loan and lease loss provision to assets | 0.1759% | 1,091 |
| Net operating income to assets | 0.7056% | 3,824 |
| Return on assets (ROA) | 0.7056% | 3,888 |
| Pretax return on assets | 1.0921% | 3,214 |
| Return on Equity (ROE) | 8.0608% | 2,994 |
| Retained earnings to average equity (ytd only) | 7.4408% | 1,379 |
| Net charge-offs to loans | 0.0651% | 2,003 |
| Credit loss provision to net charge-offs | 352.1739% | 868 |
| Earnings coverage of net charge-offs (x) | 25.3913% | 1,606 |
| Efficiency ratio | 73.8468% | 2,041 |
| Assets per employee ($millions) | 3.6104% | 4,560 |
| Cash dividends to net income (ytd only)* | 7.6923% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 2,187 |
| Loan loss allowance to noncurrent loans | 120.7617% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.8671% | 2,037 |
| Noncurrent loans to loans | 1.1153% | 1,759 |
| Net loans and leases to total assets | 76.7031% | 1,428 |
| Net loans and leases to deposits | 84.8620% | 2,367 |
| Net loans and leases to core deposits | 87.6993% | 2,731 |
| Total domestic deposits to total assets | 90.3857% | 399 |
| Equity capital to assets | 8.7524% | 5,100 |
| Core capital (leverage) ratio | 8.3078% | 5,346 |
| Tier 1 risk-based capital ratio | 9.9388% | 5,645 |
| Total risk-based capital ratio | 11.1885% | 5,604 |
| Memoranda: | ||
| Average total assets | $92,119,330 | 4,461 |
| Average earning assets | $83,761,670 | 4,470 |
| Average equity | $8,063,670 | 4,852 |
| Average total loans | $70,631,000 | 3,994 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8155% | 721 |
| Cost of funding earning assets | 0.2318% | 4,697 |
| Net interest margin | 4.5837% | 450 |
| Noninterest income to average assets | 0.5787% | 2,516 |
| Noninterest expense to average assets | 3.6605% | 820 |
| Loan and lease loss provision to assets | 0.1578% | 1,144 |
| Net operating income to assets | 0.6137% | 4,093 |
| Return on assets (ROA) | 0.6137% | 4,150 |
| Pretax return on assets | 0.9206% | 3,692 |
| Return on Equity (ROE) | 7.0110% | 3,395 |
| Retained earnings to average equity (ytd only) | 6.3599% | 2,155 |
| Net charge-offs to loans | 0.1094% | 1,296 |
| Credit loss provision to net charge-offs | 189.4737% | 1,045 |
| Earnings coverage of net charge-offs (x) | 12.9474% | 1,815 |
| Efficiency ratio | 77.2433% | 1,727 |
| Assets per employee ($millions) | 3.9014% | 4,181 |
| Cash dividends to net income (ytd only)* | 9.2857% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 2,247 |
| Loan loss allowance to noncurrent loans | 146.9579% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.6846% | 2,581 |
| Noncurrent loans to loans | 0.9272% | 2,185 |
| Net loans and leases to total assets | 72.8240% | 1,941 |
| Net loans and leases to deposits | 80.4550% | 2,691 |
| Net loans and leases to core deposits | 82.2196% | 3,075 |
| Total domestic deposits to total assets | 90.5152% | 470 |
| Equity capital to assets | 8.5962% | 5,162 |
| Core capital (leverage) ratio | 8.3304% | 5,360 |
| Tier 1 risk-based capital ratio | 10.1324% | 5,668 |
| Total risk-based capital ratio | 11.3831% | 5,621 |
| Memoranda: | ||
| Average total assets | $91,243,500 | 4,516 |
| Average earning assets | $82,816,000 | 4,528 |
| Average equity | $7,987,500 | 4,900 |
| Average total loans | $69,454,000 | 4,065 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1503% | 454 |
| Cost of funding earning assets | 0.1631% | 5,336 |
| Net interest margin | 4.9872% | 256 |
| Noninterest income to average assets | 0.6441% | 2,446 |
| Noninterest expense to average assets | 3.8197% | 763 |
| Loan and lease loss provision to assets | 0.1137% | 2,168 |
| Net operating income to assets | 0.7412% | 3,582 |
| Return on assets (ROA) | 0.7602% | 3,598 |
| Pretax return on assets | 1.1935% | 2,698 |
| Return on Equity (ROE) | 8.2619% | 2,804 |
| Retained earnings to average equity (ytd only) | 2.9470% | 3,798 |
| Net charge-offs to loans | -0.0061% | 4,841 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9361% | 2,145 |
| Assets per employee ($millions) | 3.5541% | 4,673 |
| Cash dividends to net income (ytd only)* | 64.3302% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 2,399 |
| Loan loss allowance to noncurrent loans | 142.3077% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.7315% | 2,536 |
| Noncurrent loans to loans | 0.9315% | 2,230 |
| Net loans and leases to total assets | 77.4909% | 1,283 |
| Net loans and leases to deposits | 86.0007% | 2,170 |
| Net loans and leases to core deposits | 88.0001% | 2,677 |
| Total domestic deposits to total assets | 90.1050% | 596 |
| Equity capital to assets | 8.9204% | 4,888 |
| Core capital (leverage) ratio | 8.4112% | 5,355 |
| Tier 1 risk-based capital ratio | 10.1480% | 5,700 |
| Total risk-based capital ratio | 11.3976% | 5,651 |
| Memoranda: | ||
| Average total assets | $84,456,000 | 4,638 |
| Average earning assets | $75,413,400 | 4,692 |
| Average equity | $7,770,600 | 4,969 |
| Average total loans | $65,888,000 | 4,144 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1637% | 447 |
| Cost of funding earning assets | 0.1403% | 5,545 |
| Net interest margin | 5.0234% | 240 |
| Noninterest income to average assets | 0.6558% | 2,387 |
| Noninterest expense to average assets | 3.8436% | 718 |
| Loan and lease loss provision to assets | 0.1152% | 2,009 |
| Net operating income to assets | 0.7422% | 3,635 |
| Return on assets (ROA) | 0.7678% | 3,663 |
| Pretax return on assets | 1.2028% | 2,826 |
| Return on Equity (ROE) | 8.2773% | 2,865 |
| Retained earnings to average equity (ytd only) | 1.3623% | 4,964 |
| Net charge-offs to loans | -0.0062% | 4,658 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0468% | 2,102 |
| Assets per employee ($millions) | 3.6249% | 4,602 |
| Cash dividends to net income (ytd only)* | 83.5417% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 2,902 |
| Loan loss allowance to noncurrent loans | 126.2272% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.8196% | 2,499 |
| Noncurrent loans to loans | 0.9976% | 2,249 |
| Net loans and leases to total assets | 81.1200% | 741 |
| Net loans and leases to deposits | 89.9958% | 1,755 |
| Net loans and leases to core deposits | 92.1330% | 2,362 |
| Total domestic deposits to total assets | 90.1376% | 434 |
| Equity capital to assets | 8.9532% | 5,215 |
| Core capital (leverage) ratio | 8.5616% | 5,303 |
| Tier 1 risk-based capital ratio | 9.5643% | 5,867 |
| Total risk-based capital ratio | 10.7436% | 5,867 |
| Memoranda: | ||
| Average total assets | $83,356,750 | 4,698 |
| Average earning assets | $74,104,750 | 4,754 |
| Average equity | $7,731,750 | 5,025 |
| Average total loans | $64,915,500 | 4,191 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0533% | 530 |
| Cost of funding earning assets | 0.1093% | 5,814 |
| Net interest margin | 4.9440% | 289 |
| Noninterest income to average assets | 0.6476% | 2,379 |
| Noninterest expense to average assets | 3.8226% | 749 |
| Loan and lease loss provision to assets | 0.1169% | 1,941 |
| Net operating income to assets | 0.6988% | 3,793 |
| Return on assets (ROA) | 0.7377% | 3,780 |
| Pretax return on assets | 1.1736% | 2,886 |
| Return on Equity (ROE) | 7.8572% | 3,057 |
| Retained earnings to average equity (ytd only) | -1.9449% | 5,533 |
| Net charge-offs to loans | -0.0096% | 4,682 |
| Credit loss provision to net charge-offs | -1,600.0000% | 5,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6627% | 2,120 |
| Assets per employee ($millions) | 3.4798% | 4,781 |
| Cash dividends to net income (ytd only)* | 124.7525% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 2,814 |
| Loan loss allowance to noncurrent loans | 123.3803% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.8502% | 2,469 |
| Noncurrent loans to loans | 1.0495% | 2,185 |
| Net loans and leases to total assets | 79.9555% | 914 |
| Net loans and leases to deposits | 88.7339% | 1,892 |
| Net loans and leases to core deposits | 90.9319% | 2,443 |
| Total domestic deposits to total assets | 90.1070% | 447 |
| Equity capital to assets | 9.1422% | 5,124 |
| Core capital (leverage) ratio | 8.9625% | 4,873 |
| Tier 1 risk-based capital ratio | 9.6828% | 5,917 |
| Total risk-based capital ratio | 10.8702% | 5,906 |
| Memoranda: | ||
| Average total assets | $82,143,330 | 4,768 |
| Average earning assets | $73,180,330 | 4,816 |
| Average equity | $7,712,670 | 5,070 |
| Average total loans | $62,730,000 | 4,266 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9970% | 585 |
| Cost of funding earning assets | 0.0881% | 5,959 |
| Net interest margin | 4.9089% | 308 |
| Noninterest income to average assets | 0.6335% | 2,351 |
| Noninterest expense to average assets | 3.9873% | 614 |
| Loan and lease loss provision to assets | 0.1179% | 1,787 |
| Net operating income to assets | 0.5992% | 4,178 |
| Return on assets (ROA) | 0.6089% | 4,260 |
| Pretax return on assets | 0.9232% | 3,753 |
| Return on Equity (ROE) | 6.3988% | 3,780 |
| Retained earnings to average equity (ytd only) | 5.8827% | 2,428 |
| Net charge-offs to loans | -0.0133% | 4,659 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5299% | 1,661 |
| Assets per employee ($millions) | 3.5296% | 4,772 |
| Cash dividends to net income (ytd only)* | 8.0645% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 2,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 75.7345% | 1,431 |
| Net loans and leases to deposits | 84.3745% | 2,266 |
| Net loans and leases to core deposits | 86.4811% | 2,706 |
| Total domestic deposits to total assets | 89.7599% | 707 |
| Equity capital to assets | 9.6451% | 4,509 |
| Core capital (leverage) ratio | 9.0648% | 4,779 |
| Tier 1 risk-based capital ratio | 10.6519% | 5,684 |
| Total risk-based capital ratio | 11.8881% | 5,602 |
| Memoranda: | ||
| Average total assets | $81,458,000 | 4,828 |
| Average earning assets | $72,684,000 | 4,866 |
| Average equity | $7,751,500 | 5,101 |
| Average total loans | $60,270,000 | 4,360 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5371% | 1,496 |
| Cost of funding earning assets | 0.0801% | 6,033 |
| Net interest margin | 4.4570% | 707 |
| Noninterest income to average assets | 0.6144% | 2,644 |
| Noninterest expense to average assets | 3.6763% | 1,008 |
| Loan and lease loss provision to assets | -0.2353% | 6,021 |
| Net operating income to assets | 0.7561% | 3,541 |
| Return on assets (ROA) | 0.7519% | 3,657 |
| Pretax return on assets | 1.0962% | 3,083 |
| Return on Equity (ROE) | 8.0716% | 2,925 |
| Retained earnings to average equity (ytd only) | 3.3909% | 3,636 |
| Net charge-offs to loans | -0.3729% | 6,045 |
| Credit loss provision to net charge-offs | 98.9583% | 2,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9160% | 1,546 |
| Assets per employee ($millions) | 3.5537% | 4,715 |
| Cash dividends to net income (ytd only)* | 57.9901% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 2,340 |
| Loan loss allowance to noncurrent loans | 82,500.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,736 |
| Noncurrent loans to loans | 0.0017% | 5,567 |
| Net loans and leases to total assets | 70.2049% | 2,333 |
| Net loans and leases to deposits | 77.9350% | 3,057 |
| Net loans and leases to core deposits | 79.8592% | 3,365 |
| Total domestic deposits to total assets | 90.0814% | 599 |
| Equity capital to assets | 9.3877% | 4,686 |
| Core capital (leverage) ratio | 8.9097% | 4,993 |
| Tier 1 risk-based capital ratio | 10.9259% | 5,558 |
| Total risk-based capital ratio | 12.1761% | 5,471 |
| Memoranda: | ||
| Average total assets | $80,732,600 | 4,853 |
| Average earning assets | $71,168,800 | 4,912 |
| Average equity | $7,520,200 | 5,145 |
| Average total loans | $51,490,600 | 4,620 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3917% | 1,945 |
| Cost of funding earning assets | 0.0751% | 6,138 |
| Net interest margin | 4.3165% | 932 |
| Noninterest income to average assets | 0.6378% | 2,540 |
| Noninterest expense to average assets | 3.6546% | 1,040 |
| Loan and lease loss provision to assets | -0.3148% | 6,163 |
| Net operating income to assets | 0.7695% | 3,582 |
| Return on assets (ROA) | 0.7637% | 3,713 |
| Pretax return on assets | 1.0967% | 3,240 |
| Return on Equity (ROE) | 8.2150% | 2,960 |
| Retained earnings to average equity (ytd only) | 2.2454% | 4,759 |
| Net charge-offs to loans | -0.5327% | 6,161 |
| Credit loss provision to net charge-offs | 95.4774% | 2,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2214% | 1,362 |
| Assets per employee ($millions) | 3.3106% | 5,106 |
| Cash dividends to net income (ytd only)* | 72.6690% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4638% | 2,313 |
| Loan loss allowance to noncurrent loans | 11,885.7143% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.4720% | 3,908 |
| Noncurrent loans to loans | 0.0123% | 5,592 |
| Net loans and leases to total assets | 70.4873% | 2,317 |
| Net loans and leases to deposits | 79.7644% | 2,912 |
| Net loans and leases to core deposits | 82.3930% | 3,213 |
| Total domestic deposits to total assets | 88.3694% | 1,362 |
| Equity capital to assets | 9.5363% | 4,710 |
| Core capital (leverage) ratio | 9.0647% | 4,923 |
| Tier 1 risk-based capital ratio | 11.1320% | 5,590 |
| Total risk-based capital ratio | 12.3817% | 5,477 |
| Memoranda: | ||
| Average total assets | $80,482,000 | 4,916 |
| Average earning assets | $70,981,500 | 4,971 |
| Average equity | $7,482,000 | 5,216 |
| Average total loans | $49,811,500 | 4,722 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 2,649 |
| Cost of funding earning assets | 0.0700% | 6,227 |
| Net interest margin | 4.1005% | 1,348 |
| Noninterest income to average assets | 0.6805% | 2,298 |
| Noninterest expense to average assets | 3.5930% | 1,141 |
| Loan and lease loss provision to assets | -0.4702% | 6,271 |
| Net operating income to assets | 0.8265% | 3,234 |
| Return on assets (ROA) | 0.8265% | 3,350 |
| Pretax return on assets | 1.1828% | 2,847 |
| Return on Equity (ROE) | 8.9660% | 2,566 |
| Retained earnings to average equity (ytd only) | 2.1744% | 4,623 |
| Net charge-offs to loans | -0.8300% | 6,255 |
| Credit loss provision to net charge-offs | 96.4467% | 2,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4483% | 1,320 |
| Assets per employee ($millions) | 3.2710% | 5,207 |
| Cash dividends to net income (ytd only)* | 75.7485% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5803% | 1,969 |
| Loan loss allowance to noncurrent loans | 584.5070% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.7159% | 3,245 |
| Noncurrent loans to loans | 0.2704% | 4,700 |
| Net loans and leases to total assets | 65.8451% | 2,980 |
| Net loans and leases to deposits | 74.6656% | 3,416 |
| Net loans and leases to core deposits | 76.6292% | 3,702 |
| Total domestic deposits to total assets | 88.1866% | 1,555 |
| Equity capital to assets | 9.5065% | 4,643 |
| Core capital (leverage) ratio | 8.9068% | 5,085 |
| Tier 1 risk-based capital ratio | 11.8103% | 5,272 |
| Total risk-based capital ratio | 13.0621% | 5,177 |
| Memoranda: | ||
| Average total assets | $80,824,670 | 4,958 |
| Average earning assets | $71,454,330 | 5,014 |
| Average equity | $7,450,330 | 5,270 |
| Average total loans | $47,469,670 | 4,837 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8813% | 3,696 |
| Cost of funding earning assets | 0.0775% | 6,276 |
| Net interest margin | 3.8038% | 2,222 |
| Noninterest income to average assets | 0.6440% | 2,431 |
| Noninterest expense to average assets | 3.4738% | 1,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4879% | 4,743 |
| Return on assets (ROA) | 0.4879% | 4,866 |
| Pretax return on assets | 0.5220% | 5,118 |
| Return on Equity (ROE) | 5.3735% | 4,345 |
| Retained earnings to average equity (ytd only) | 5.3735% | 2,846 |
| Net charge-offs to loans | -0.0445% | 5,460 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9353% | 1,104 |
| Assets per employee ($millions) | 3.5029% | 4,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8073% | 1,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5213% | 3,938 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 55.8355% | 4,223 |
| Net loans and leases to deposits | 61.7256% | 4,598 |
| Net loans and leases to core deposits | 63.2656% | 4,764 |
| Total domestic deposits to total assets | 90.4576% | 543 |
| Equity capital to assets | 9.3140% | 4,947 |
| Core capital (leverage) ratio | 8.6282% | 5,394 |
| Tier 1 risk-based capital ratio | 13.0406% | 4,583 |
| Total risk-based capital ratio | 14.2947% | 4,494 |
| Memoranda: | ||
| Average total assets | $81,985,000 | 4,989 |
| Average earning assets | $72,244,000 | 5,047 |
| Average equity | $7,444,000 | 5,320 |
| Average total loans | $44,944,000 | 4,950 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2281% | 2,856 |
| Cost of funding earning assets | 0.1222% | 6,233 |
| Net interest margin | 4.1059% | 1,560 |
| Noninterest income to average assets | 0.8709% | 1,603 |
| Noninterest expense to average assets | 3.7922% | 997 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4231% | 5,138 |
| Return on assets (ROA) | 0.4524% | 5,104 |
| Pretax return on assets | 0.6722% | 4,717 |
| Return on Equity (ROE) | 4.4171% | 4,934 |
| Retained earnings to average equity (ytd only) | 3.1787% | 3,974 |
| Net charge-offs to loans | -0.2770% | 6,324 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7826% | 1,194 |
| Assets per employee ($millions) | 3.6262% | 4,670 |
| Cash dividends to net income (ytd only)* | 28.0374% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8673% | 1,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5036% | 4,124 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 51.8590% | 4,799 |
| Net loans and leases to deposits | 57.1149% | 5,120 |
| Net loans and leases to core deposits | 58.4850% | 5,232 |
| Total domestic deposits to total assets | 90.7977% | 430 |
| Equity capital to assets | 8.8534% | 5,427 |
| Core capital (leverage) ratio | 9.0021% | 5,002 |
| Tier 1 risk-based capital ratio | 12.6701% | 4,935 |
| Total risk-based capital ratio | 13.9237% | 4,849 |
| Memoranda: | ||
| Average total assets | $70,960,800 | 5,260 |
| Average earning assets | $61,351,400 | 5,363 |
| Average equity | $7,267,200 | 5,357 |
| Average total loans | $38,632,600 | 5,228 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 2,450 |
| Cost of funding earning assets | 0.1277% | 6,296 |
| Net interest margin | 4.2142% | 1,244 |
| Noninterest income to average assets | 0.8371% | 1,755 |
| Noninterest expense to average assets | 3.8653% | 892 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4139% | 5,198 |
| Return on assets (ROA) | 0.4559% | 5,135 |
| Pretax return on assets | 0.6642% | 4,822 |
| Return on Equity (ROE) | 4.2737% | 5,048 |
| Retained earnings to average equity (ytd only) | 4.2737% | 3,610 |
| Net charge-offs to loans | -0.1002% | 6,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4996% | 1,136 |
| Assets per employee ($millions) | 3.2517% | 5,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8147% | 1,662 |
| Loan loss allowance to noncurrent loans | 2,125.7143% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.6360% | 3,928 |
| Noncurrent loans to loans | 0.0854% | 5,689 |
| Net loans and leases to total assets | 56.2702% | 4,296 |
| Net loans and leases to deposits | 62.9598% | 4,649 |
| Net loans and leases to core deposits | 64.7566% | 4,821 |
| Total domestic deposits to total assets | 89.3747% | 1,041 |
| Equity capital to assets | 10.2786% | 3,814 |
| Core capital (leverage) ratio | 10.1509% | 3,470 |
| Tier 1 risk-based capital ratio | 14.0432% | 4,180 |
| Total risk-based capital ratio | 15.2974% | 4,121 |
| Memoranda: | ||
| Average total assets | $67,850,250 | 5,406 |
| Average earning assets | $58,467,750 | 5,503 |
| Average equity | $7,238,000 | 5,406 |
| Average total loans | $37,272,000 | 5,330 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2956% | 2,594 |
| Cost of funding earning assets | 0.1320% | 6,353 |
| Net interest margin | 4.1636% | 1,337 |
| Noninterest income to average assets | 0.8045% | 1,820 |
| Noninterest expense to average assets | 3.8636% | 894 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3765% | 5,305 |
| Return on assets (ROA) | 0.4143% | 5,239 |
| Pretax return on assets | 0.5944% | 4,973 |
| Return on Equity (ROE) | 3.8335% | 5,213 |
| Retained earnings to average equity (ytd only) | 3.8335% | 3,740 |
| Net charge-offs to loans | -0.1443% | 6,252 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7301% | 1,109 |
| Assets per employee ($millions) | 3.0439% | 5,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9203% | 1,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6272% | 4,092 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 56.5914% | 4,179 |
| Net loans and leases to deposits | 63.7267% | 4,526 |
| Net loans and leases to core deposits | 65.6851% | 4,667 |
| Total domestic deposits to total assets | 88.8033% | 1,468 |
| Equity capital to assets | 10.8861% | 2,995 |
| Core capital (leverage) ratio | 10.5071% | 2,942 |
| Tier 1 risk-based capital ratio | 14.8710% | 3,700 |
| Total risk-based capital ratio | 16.1241% | 3,646 |
| Memoranda: | ||
| Average total assets | $66,621,330 | 5,490 |
| Average earning assets | $57,594,330 | 5,571 |
| Average equity | $7,199,670 | 5,439 |
| Average total loans | $36,030,000 | 5,418 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1182% | 3,211 |
| Cost of funding earning assets | 0.1313% | 6,439 |
| Net interest margin | 3.9869% | 1,809 |
| Noninterest income to average assets | 0.8909% | 1,423 |
| Noninterest expense to average assets | 3.8586% | 917 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3431% | 5,339 |
| Return on assets (ROA) | 0.3431% | 5,400 |
| Pretax return on assets | 0.5057% | 5,156 |
| Return on Equity (ROE) | 3.1868% | 5,397 |
| Retained earnings to average equity (ytd only) | 3.1868% | 4,214 |
| Net charge-offs to loans | -0.2880% | 6,475 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4138% | 1,189 |
| Assets per employee ($millions) | 3.1288% | 5,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1328% | 1,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 4,220 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 51.7495% | 4,699 |
| Net loans and leases to deposits | 58.3015% | 4,911 |
| Net loans and leases to core deposits | 60.5039% | 4,992 |
| Total domestic deposits to total assets | 88.7619% | 1,801 |
| Equity capital to assets | 10.9809% | 2,732 |
| Core capital (leverage) ratio | 10.4460% | 2,995 |
| Tier 1 risk-based capital ratio | 16.0740% | 3,140 |
| Total risk-based capital ratio | 17.3311% | 3,089 |
| Memoranda: | ||
| Average total assets | $66,449,000 | 5,550 |
| Average earning assets | $57,889,500 | 5,614 |
| Average equity | $7,154,500 | 5,479 |
| Average total loans | $34,725,500 | 5,508 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4472% | 2,403 |
| Cost of funding earning assets | 0.1713% | 6,434 |
| Net interest margin | 4.2759% | 1,160 |
| Noninterest income to average assets | 0.3010% | 5,196 |
| Noninterest expense to average assets | 4.6928% | 446 |
| Loan and lease loss provision to assets | -0.4607% | 6,732 |
| Net operating income to assets | -0.0995% | 6,301 |
| Return on assets (ROA) | -0.1044% | 6,323 |
| Pretax return on assets | -0.2964% | 6,410 |
| Return on Equity (ROE) | -0.9423% | 6,319 |
| Retained earnings to average equity (ytd only) | -0.9423% | 6,051 |
| Net charge-offs to loans | -0.0475% | 6,326 |
| Credit loss provision to net charge-offs | 1,875.0000% | 131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.0031% | 187 |
| Assets per employee ($millions) | 3.3597% | 5,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0629% | 1,412 |
| Loan loss allowance to noncurrent loans | 382.8877% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 1.2010% | 2,997 |
| Noncurrent loans to loans | 0.5388% | 4,645 |
| Net loans and leases to total assets | 50.5886% | 5,017 |
| Net loans and leases to deposits | 56.7072% | 5,238 |
| Net loans and leases to core deposits | 58.7883% | 5,322 |
| Total domestic deposits to total assets | 89.2102% | 1,484 |
| Equity capital to assets | 10.5576% | 3,087 |
| Core capital (leverage) ratio | 10.3890% | 3,034 |
| Tier 1 risk-based capital ratio | 15.9154% | 3,139 |
| Total risk-based capital ratio | 17.1705% | 3,091 |
| Memoranda: | ||
| Average total assets | $65,120,600 | 5,619 |
| Average earning assets | $55,473,400 | 5,717 |
| Average equity | $7,216,600 | 5,514 |
| Average total loans | $33,671,000 | 5,593 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4509% | 2,418 |
| Cost of funding earning assets | 0.1774% | 6,516 |
| Net interest margin | 4.2736% | 1,155 |
| Noninterest income to average assets | 0.3323% | 5,032 |
| Noninterest expense to average assets | 4.9285% | 355 |
| Loan and lease loss provision to assets | -0.6192% | 6,845 |
| Net operating income to assets | -0.1296% | 6,412 |
| Return on assets (ROA) | -0.1362% | 6,448 |
| Pretax return on assets | -0.3570% | 6,546 |
| Return on Equity (ROE) | -1.2143% | 6,439 |
| Retained earnings to average equity (ytd only) | -1.2143% | 6,164 |
| Net charge-offs to loans | 0.0120% | 4,903 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,386 |
| Earnings coverage of net charge-offs (x) | -155.9950% | 5,205 |
| Efficiency ratio | 124.3750% | 146 |
| Assets per employee ($millions) | 2.8498% | 6,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9851% | 1,758 |
| Loan loss allowance to noncurrent loans | 199.7135% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 1.7066% | 2,405 |
| Noncurrent loans to loans | 0.9940% | 3,819 |
| Net loans and leases to total assets | 54.8903% | 4,475 |
| Net loans and leases to deposits | 62.0654% | 4,758 |
| Net loans and leases to core deposits | 64.5351% | 4,842 |
| Total domestic deposits to total assets | 88.4395% | 1,868 |
| Equity capital to assets | 11.2958% | 2,473 |
| Core capital (leverage) ratio | 10.5867% | 2,909 |
| Tier 1 risk-based capital ratio | 16.4360% | 2,973 |
| Total risk-based capital ratio | 17.6906% | 2,934 |
| Memoranda: | ||
| Average total assets | $64,602,500 | 5,693 |
| Average earning assets | $54,878,500 | 5,797 |
| Average equity | $7,247,250 | 5,571 |
| Average total loans | $33,411,750 | 5,660 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 2,721 |
| Cost of funding earning assets | 0.1847% | 6,547 |
| Net interest margin | 4.1748% | 1,348 |
| Noninterest income to average assets | 0.7879% | 2,248 |
| Noninterest expense to average assets | 4.7396% | 432 |
| Loan and lease loss provision to assets | -0.9197% | 6,911 |
| Net operating income to assets | 0.4041% | 5,201 |
| Return on assets (ROA) | 0.3893% | 5,416 |
| Pretax return on assets | 0.4844% | 5,420 |
| Return on Equity (ROE) | 3.4783% | 5,436 |
| Retained earnings to average equity (ytd only) | 3.4783% | 4,104 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.6454% | 282 |
| Assets per employee ($millions) | 2.6905% | 6,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0724% | 1,696 |
| Loan loss allowance to noncurrent loans | 198.3003% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 2.8248% | 1,454 |
| Noncurrent loans to loans | 1.0451% | 3,848 |
| Net loans and leases to total assets | 51.2273% | 4,966 |
| Net loans and leases to deposits | 57.9787% | 5,165 |
| Net loans and leases to core deposits | 60.8051% | 5,190 |
| Total domestic deposits to total assets | 88.3555% | 2,010 |
| Equity capital to assets | 11.3007% | 2,465 |
| Core capital (leverage) ratio | 10.7680% | 2,601 |
| Tier 1 risk-based capital ratio | 16.7854% | 2,794 |
| Total risk-based capital ratio | 18.0402% | 2,766 |
| Memoranda: | ||
| Average total assets | $65,238,000 | 5,718 |
| Average earning assets | $55,236,330 | 5,817 |
| Average equity | $7,302,330 | 5,603 |
| Average total loans | $32,845,330 | 5,721 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2925% | 2,917 |
| Cost of funding earning assets | 0.1941% | 6,603 |
| Net interest margin | 4.0983% | 1,470 |
| Noninterest income to average assets | 0.8174% | 2,061 |
| Noninterest expense to average assets | 4.8924% | 394 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2550% | 6,550 |
| Return on assets (ROA) | -0.2745% | 6,595 |
| Pretax return on assets | -0.6283% | 6,709 |
| Return on Equity (ROE) | -2.4641% | 6,585 |
| Retained earnings to average equity (ytd only) | -2.4641% | 6,135 |
| Net charge-offs to loans | -0.5065% | 6,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.9205% | 276 |
| Assets per employee ($millions) | 2.7481% | 6,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2098% | 542 |
| Loan loss allowance to noncurrent loans | 109.8101% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 3.3098% | 1,322 |
| Noncurrent loans to loans | 2.9230% | 1,719 |
| Net loans and leases to total assets | 47.5946% | 5,271 |
| Net loans and leases to deposits | 53.6607% | 5,461 |
| Net loans and leases to core deposits | 55.7289% | 5,546 |
| Total domestic deposits to total assets | 88.6953% | 1,872 |
| Equity capital to assets | 11.0272% | 2,930 |
| Core capital (leverage) ratio | 10.4395% | 2,856 |
| Tier 1 risk-based capital ratio | 16.8231% | 2,844 |
| Total risk-based capital ratio | 18.0906% | 2,804 |
| Memoranda: | ||
| Average total assets | $65,571,500 | 5,753 |
| Average earning assets | $55,632,500 | 5,857 |
| Average equity | $7,305,000 | 5,662 |
| Average total loans | $32,379,000 | 5,779 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7185% | 2,524 |
| Cost of funding earning assets | 0.2749% | 6,567 |
| Net interest margin | 4.4435% | 1,062 |
| Noninterest income to average assets | 1.8741% | 477 |
| Noninterest expense to average assets | 4.6023% | 515 |
| Loan and lease loss provision to assets | 0.0553% | 5,105 |
| Net operating income to assets | 0.6969% | 3,753 |
| Return on assets (ROA) | 0.6759% | 4,124 |
| Pretax return on assets | 1.0323% | 3,423 |
| Return on Equity (ROE) | 6.4628% | 3,929 |
| Retained earnings to average equity (ytd only) | 6.4628% | 1,843 |
| Net charge-offs to loans | 0.0665% | 5,018 |
| Credit loss provision to net charge-offs | 156.5217% | 1,725 |
| Earnings coverage of net charge-offs (x) | 31.6957% | 968 |
| Efficiency ratio | 80.4295% | 2,096 |
| Assets per employee ($millions) | 2.7162% | 6,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0935% | 609 |
| Loan loss allowance to noncurrent loans | 386.1004% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 2.3148% | 2,123 |
| Noncurrent loans to loans | 0.8012% | 4,587 |
| Net loans and leases to total assets | 48.0549% | 5,413 |
| Net loans and leases to deposits | 54.5968% | 5,600 |
| Net loans and leases to core deposits | 56.7428% | 5,655 |
| Total domestic deposits to total assets | 88.0177% | 2,226 |
| Equity capital to assets | 11.2551% | 2,681 |
| Core capital (leverage) ratio | 10.7089% | 2,538 |
| Tier 1 risk-based capital ratio | 17.2020% | 2,557 |
| Total risk-based capital ratio | 18.4667% | 2,531 |
| Memoranda: | ||
| Average total assets | $65,097,800 | 5,782 |
| Average earning assets | $56,374,400 | 5,854 |
| Average equity | $6,808,200 | 5,814 |
| Average total loans | $34,600,000 | 5,735 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7257% | 2,686 |
| Cost of funding earning assets | 0.2936% | 6,644 |
| Net interest margin | 4.4321% | 1,133 |
| Noninterest income to average assets | 0.7847% | 2,307 |
| Noninterest expense to average assets | 4.6386% | 482 |
| Loan and lease loss provision to assets | 0.0738% | 4,737 |
| Net operating income to assets | -0.0063% | 6,291 |
| Return on assets (ROA) | -0.0430% | 6,454 |
| Pretax return on assets | -0.1188% | 6,491 |
| Return on Equity (ROE) | -0.4194% | 6,453 |
| Retained earnings to average equity (ytd only) | -0.4194% | 6,163 |
| Net charge-offs to loans | -0.1289% | 6,914 |
| Credit loss provision to net charge-offs | -105.8824% | 6,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7357% | 545 |
| Assets per employee ($millions) | 2.6232% | 6,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0804% | 664 |
| Loan loss allowance to noncurrent loans | 392.9368% | 956 |
| Noncurrent assets plus other real estate owned to assets | 2.4128% | 2,200 |
| Noncurrent loans to loans | 0.7839% | 4,839 |
| Net loans and leases to total assets | 52.8258% | 4,941 |
| Net loans and leases to deposits | 59.5449% | 5,254 |
| Net loans and leases to core deposits | 62.2685% | 5,332 |
| Total domestic deposits to total assets | 88.7159% | 1,590 |
| Equity capital to assets | 10.9950% | 3,286 |
| Core capital (leverage) ratio | 9.9576% | 3,600 |
| Tier 1 risk-based capital ratio | 16.2514% | 3,130 |
| Total risk-based capital ratio | 17.5203% | 3,088 |
| Memoranda: | ||
| Average total assets | $65,075,250 | 5,845 |
| Average earning assets | $56,766,500 | 5,914 |
| Average equity | $6,676,000 | 5,919 |
| Average total loans | $35,168,500 | 5,788 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7191% | 2,843 |
| Cost of funding earning assets | 0.3058% | 6,714 |
| Net interest margin | 4.4133% | 1,166 |
| Noninterest income to average assets | 0.7662% | 2,346 |
| Noninterest expense to average assets | 4.6822% | 461 |
| Loan and lease loss provision to assets | 0.1095% | 4,154 |
| Net operating income to assets | -0.0943% | 6,429 |
| Return on assets (ROA) | -0.1429% | 6,571 |
| Pretax return on assets | -0.2402% | 6,604 |
| Return on Equity (ROE) | -1.4255% | 6,575 |
| Retained earnings to average equity (ytd only) | -1.4255% | 6,274 |
| Net charge-offs to loans | -0.1072% | 6,873 |
| Credit loss provision to net charge-offs | -189.4737% | 6,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1827% | 520 |
| Assets per employee ($millions) | 2.5153% | 6,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9216% | 850 |
| Loan loss allowance to noncurrent loans | 291.0615% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 2.5333% | 2,210 |
| Noncurrent loans to loans | 1.0038% | 4,500 |
| Net loans and leases to total assets | 55.0594% | 4,620 |
| Net loans and leases to deposits | 61.7166% | 5,037 |
| Net loans and leases to core deposits | 64.5229% | 5,154 |
| Total domestic deposits to total assets | 89.2133% | 1,382 |
| Equity capital to assets | 9.7753% | 4,660 |
| Core capital (leverage) ratio | 9.8154% | 3,696 |
| Tier 1 risk-based capital ratio | 15.5034% | 3,435 |
| Total risk-based capital ratio | 16.7706% | 3,392 |
| Memoranda: | ||
| Average total assets | $65,781,670 | 5,854 |
| Average earning assets | $57,553,670 | 5,921 |
| Average equity | $6,594,000 | 5,958 |
| Average total loans | $35,453,330 | 5,815 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5266% | 3,809 |
| Cost of funding earning assets | 0.3072% | 6,820 |
| Net interest margin | 4.2194% | 1,708 |
| Noninterest income to average assets | 0.7437% | 2,430 |
| Noninterest expense to average assets | 4.7062% | 458 |
| Loan and lease loss provision to assets | 0.2142% | 2,810 |
| Net operating income to assets | -0.3748% | 6,751 |
| Return on assets (ROA) | -0.3748% | 6,791 |
| Pretax return on assets | -0.4998% | 6,826 |
| Return on Equity (ROE) | -3.6964% | 6,787 |
| Retained earnings to average equity (ytd only) | -3.6964% | 6,464 |
| Net charge-offs to loans | -0.1584% | 6,933 |
| Credit loss provision to net charge-offs | -257.1429% | 5,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4603% | 400 |
| Assets per employee ($millions) | 2.3889% | 6,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9898% | 839 |
| Loan loss allowance to noncurrent loans | 2,033.3333% | 227 |
| Noncurrent assets plus other real estate owned to assets | 1.9241% | 3,014 |
| Noncurrent loans to loans | 0.1470% | 6,391 |
| Net loans and leases to total assets | 50.3042% | 5,261 |
| Net loans and leases to deposits | 56.1286% | 5,585 |
| Net loans and leases to core deposits | 58.5101% | 5,671 |
| Total domestic deposits to total assets | 89.6231% | 1,288 |
| Equity capital to assets | 10.1227% | 3,957 |
| Core capital (leverage) ratio | 9.6703% | 3,813 |
| Tier 1 risk-based capital ratio | 15.4520% | 3,475 |
| Total risk-based capital ratio | 16.7182% | 3,435 |
| Memoranda: | ||
| Average total assets | $67,231,000 | 5,850 |
| Average earning assets | $58,587,000 | 5,920 |
| Average equity | $6,817,500 | 5,927 |
| Average total loans | $35,347,500 | 5,854 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6582% | 852 |
| Cost of funding earning assets | 0.4135% | 6,853 |
| Net interest margin | 5.2447% | 264 |
| Noninterest income to average assets | 0.7373% | 2,409 |
| Noninterest expense to average assets | 4.8878% | 413 |
| Loan and lease loss provision to assets | 0.3470% | 2,924 |
| Net operating income to assets | 0.1247% | 5,807 |
| Return on assets (ROA) | 0.0447% | 6,080 |
| Pretax return on assets | -0.0648% | 6,184 |
| Return on Equity (ROE) | 0.4289% | 6,077 |
| Retained earnings to average equity (ytd only) | 0.4289% | 5,632 |
| Net charge-offs to loans | 0.9522% | 1,820 |
| Credit loss provision to net charge-offs | 64.1026% | 5,055 |
| Earnings coverage of net charge-offs (x) | 0.7521% | 5,238 |
| Efficiency ratio | 92.3099% | 1,027 |
| Assets per employee ($millions) | 2.4133% | 6,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7409% | 1,045 |
| Loan loss allowance to noncurrent loans | 1,974.0000% | 232 |
| Noncurrent assets plus other real estate owned to assets | 1.9608% | 3,021 |
| Noncurrent loans to loans | 0.1389% | 6,464 |
| Net loans and leases to total assets | 51.8299% | 5,337 |
| Net loans and leases to deposits | 57.8405% | 5,709 |
| Net loans and leases to core deposits | 59.4830% | 5,890 |
| Total domestic deposits to total assets | 89.6083% | 1,199 |
| Equity capital to assets | 10.1579% | 3,962 |
| Core capital (leverage) ratio | 9.5841% | 3,902 |
| Tier 1 risk-based capital ratio | 15.3144% | 3,443 |
| Total risk-based capital ratio | 16.5784% | 3,388 |
| Memoranda: | ||
| Average total assets | $64,835,000 | 5,906 |
| Average earning assets | $56,342,600 | 5,968 |
| Average equity | $6,761,200 | 5,938 |
| Average total loans | $36,862,600 | 5,836 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7734% | 735 |
| Cost of funding earning assets | 0.4316% | 6,936 |
| Net interest margin | 5.3418% | 227 |
| Noninterest income to average assets | 0.8625% | 1,786 |
| Noninterest expense to average assets | 4.9341% | 397 |
| Loan and lease loss provision to assets | 0.3949% | 2,490 |
| Net operating income to assets | 0.2473% | 5,578 |
| Return on assets (ROA) | 0.0915% | 6,098 |
| Pretax return on assets | 0.0083% | 6,219 |
| Return on Equity (ROE) | 0.8711% | 6,091 |
| Retained earnings to average equity (ytd only) | 0.8711% | 5,659 |
| Net charge-offs to loans | 1.2802% | 1,212 |
| Credit loss provision to net charge-offs | 53.3708% | 4,962 |
| Earnings coverage of net charge-offs (x) | 0.7556% | 5,046 |
| Efficiency ratio | 89.8222% | 1,177 |
| Assets per employee ($millions) | 2.3284% | 7,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4989% | 1,401 |
| Loan loss allowance to noncurrent loans | 237.3434% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 2.9650% | 2,170 |
| Noncurrent loans to loans | 1.0529% | 4,801 |
| Net loans and leases to total assets | 56.6755% | 4,734 |
| Net loans and leases to deposits | 63.5616% | 5,231 |
| Net loans and leases to core deposits | 66.3715% | 5,376 |
| Total domestic deposits to total assets | 89.1662% | 1,323 |
| Equity capital to assets | 10.5915% | 3,587 |
| Core capital (leverage) ratio | 9.8377% | 3,662 |
| Tier 1 risk-based capital ratio | 14.9436% | 3,694 |
| Total risk-based capital ratio | 16.2046% | 3,659 |
| Memoranda: | ||
| Average total assets | $64,150,500 | 5,963 |
| Average earning assets | $55,610,000 | 6,048 |
| Average equity | $6,735,500 | 5,988 |
| Average total loans | $37,075,750 | 5,874 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7855% | 734 |
| Cost of funding earning assets | 0.4500% | 7,007 |
| Net interest margin | 5.3355% | 228 |
| Noninterest income to average assets | 0.8213% | 1,927 |
| Noninterest expense to average assets | 5.0029% | 367 |
| Loan and lease loss provision to assets | 0.3762% | 2,538 |
| Net operating income to assets | 0.1495% | 5,886 |
| Return on assets (ROA) | -0.0251% | 6,327 |
| Pretax return on assets | -0.1849% | 6,444 |
| Return on Equity (ROE) | -0.2396% | 6,327 |
| Retained earnings to average equity (ytd only) | -0.2396% | 5,885 |
| Net charge-offs to loans | 1.8858% | 722 |
| Credit loss provision to net charge-offs | 34.5821% | 4,917 |
| Earnings coverage of net charge-offs (x) | 0.4265% | 4,982 |
| Efficiency ratio | 91.5138% | 1,130 |
| Assets per employee ($millions) | 2.1628% | 7,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3443% | 1,673 |
| Loan loss allowance to noncurrent loans | 1,197.2973% | 320 |
| Noncurrent assets plus other real estate owned to assets | 2.5797% | 2,585 |
| Noncurrent loans to loans | 0.1958% | 6,520 |
| Net loans and leases to total assets | 58.8431% | 4,492 |
| Net loans and leases to deposits | 66.2401% | 4,964 |
| Net loans and leases to core deposits | 69.3128% | 5,148 |
| Total domestic deposits to total assets | 88.8331% | 1,648 |
| Equity capital to assets | 10.8943% | 3,073 |
| Core capital (leverage) ratio | 10.1157% | 3,126 |
| Tier 1 risk-based capital ratio | 14.9459% | 3,518 |
| Total risk-based capital ratio | 16.2057% | 3,487 |
| Memoranda: | ||
| Average total assets | $63,802,670 | 6,019 |
| Average earning assets | $55,552,330 | 6,097 |
| Average equity | $6,679,000 | 6,021 |
| Average total loans | $36,802,330 | 5,943 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7352% | 826 |
| Cost of funding earning assets | 0.4767% | 7,041 |
| Net interest margin | 5.2584% | 235 |
| Noninterest income to average assets | 0.8144% | 1,972 |
| Noninterest expense to average assets | 5.1225% | 329 |
| Loan and lease loss provision to assets | 0.3108% | 2,683 |
| Net operating income to assets | 0.0196% | 6,313 |
| Return on assets (ROA) | -0.3543% | 6,710 |
| Pretax return on assets | -0.6092% | 6,820 |
| Return on Equity (ROE) | -3.4535% | 6,704 |
| Retained earnings to average equity (ytd only) | -3.4535% | 6,355 |
| Net charge-offs to loans | 4.0984% | 218 |
| Credit loss provision to net charge-offs | 13.4409% | 4,351 |
| Earnings coverage of net charge-offs (x) | 0.1237% | 4,506 |
| Efficiency ratio | 94.7126% | 999 |
| Assets per employee ($millions) | 2.1412% | 7,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1810% | 2,007 |
| Loan loss allowance to noncurrent loans | 187.4408% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 2.5811% | 2,650 |
| Noncurrent loans to loans | 1.1636% | 4,758 |
| Net loans and leases to total assets | 55.2283% | 5,128 |
| Net loans and leases to deposits | 61.7625% | 5,529 |
| Net loans and leases to core deposits | 64.6954% | 5,656 |
| Total domestic deposits to total assets | 89.4204% | 1,519 |
| Equity capital to assets | 10.3025% | 3,410 |
| Core capital (leverage) ratio | 9.9162% | 3,251 |
| Tier 1 risk-based capital ratio | 15.1681% | 3,337 |
| Total risk-based capital ratio | 16.4253% | 3,287 |
| Memoranda: | ||
| Average total assets | $64,343,500 | 6,055 |
| Average earning assets | $56,214,500 | 6,124 |
| Average equity | $6,602,000 | 6,060 |
| Average total loans | $36,307,000 | 6,016 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5835% | 1,965 |
| Cost of funding earning assets | 0.7695% | 6,681 |
| Net interest margin | 4.8139% | 655 |
| Noninterest income to average assets | 0.9259% | 1,755 |
| Noninterest expense to average assets | 4.8654% | 467 |
| Loan and lease loss provision to assets | 1.0000% | 1,623 |
| Net operating income to assets | -0.4127% | 6,325 |
| Return on assets (ROA) | -0.5008% | 6,418 |
| Pretax return on assets | -0.7806% | 6,511 |
| Return on Equity (ROE) | -4.8110% | 6,418 |
| Retained earnings to average equity (ytd only) | -5.2907% | 6,331 |
| Net charge-offs to loans | 1.1598% | 1,926 |
| Credit loss provision to net charge-offs | 147.5446% | 2,483 |
| Earnings coverage of net charge-offs (x) | 0.5268% | 5,589 |
| Efficiency ratio | 93.1634% | 1,108 |
| Assets per employee ($millions) | 2.0790% | 7,384 |
| Cash dividends to net income (ytd only)* | -9.9698% | 7,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0622% | 825 |
| Loan loss allowance to noncurrent loans | 80.8279% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 3.1978% | 2,214 |
| Noncurrent loans to loans | 3.7886% | 1,953 |
| Net loans and leases to total assets | 54.6672% | 5,547 |
| Net loans and leases to deposits | 61.0995% | 5,944 |
| Net loans and leases to core deposits | 63.6687% | 6,086 |
| Total domestic deposits to total assets | 89.4725% | 1,397 |
| Equity capital to assets | 10.2188% | 3,478 |
| Core capital (leverage) ratio | 9.3489% | 3,930 |
| Tier 1 risk-based capital ratio | 15.3611% | 3,065 |
| Total risk-based capital ratio | 16.6274% | 3,012 |
| Memoranda: | ||
| Average total assets | $66,098,800 | 5,997 |
| Average earning assets | $58,995,600 | 6,024 |
| Average equity | $6,880,000 | 6,079 |
| Average total loans | $38,627,800 | 5,982 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5222% | 2,346 |
| Cost of funding earning assets | 0.8081% | 6,737 |
| Net interest margin | 4.7142% | 818 |
| Noninterest income to average assets | 0.9261% | 1,701 |
| Noninterest expense to average assets | 4.7550% | 462 |
| Loan and lease loss provision to assets | 0.6836% | 2,231 |
| Net operating income to assets | -0.2165% | 6,342 |
| Return on assets (ROA) | -0.3368% | 6,512 |
| Pretax return on assets | -0.4510% | 6,513 |
| Return on Equity (ROE) | -3.2213% | 6,514 |
| Retained earnings to average equity (ytd only) | -3.8540% | 6,444 |
| Net charge-offs to loans | 1.1973% | 1,705 |
| Credit loss provision to net charge-offs | 96.8750% | 4,473 |
| Earnings coverage of net charge-offs (x) | 0.5568% | 5,466 |
| Efficiency ratio | 92.3676% | 1,097 |
| Assets per employee ($millions) | 2.2211% | 7,367 |
| Cash dividends to net income (ytd only)* | -19.6437% | 7,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2106% | 1,784 |
| Loan loss allowance to noncurrent loans | 38.0402% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 3.9112% | 1,799 |
| Noncurrent loans to loans | 5.8113% | 1,115 |
| Net loans and leases to total assets | 57.1159% | 5,397 |
| Net loans and leases to deposits | 63.8969% | 5,927 |
| Net loans and leases to core deposits | 66.4122% | 6,089 |
| Total domestic deposits to total assets | 89.3875% | 1,184 |
| Equity capital to assets | 10.1492% | 3,950 |
| Core capital (leverage) ratio | 9.8161% | 3,466 |
| Tier 1 risk-based capital ratio | 14.5598% | 3,479 |
| Total risk-based capital ratio | 15.8197% | 3,444 |
| Memoranda: | ||
| Average total assets | $66,511,000 | 6,048 |
| Average earning assets | $59,563,750 | 6,076 |
| Average equity | $6,953,500 | 6,130 |
| Average total loans | $39,198,250 | 6,036 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6215% | 2,061 |
| Cost of funding earning assets | 0.8375% | 6,798 |
| Net interest margin | 4.7840% | 673 |
| Noninterest income to average assets | 0.9311% | 1,577 |
| Noninterest expense to average assets | 4.7741% | 446 |
| Loan and lease loss provision to assets | 0.7242% | 2,012 |
| Net operating income to assets | -0.2217% | 6,382 |
| Return on assets (ROA) | -0.4016% | 6,609 |
| Pretax return on assets | -0.4960% | 6,581 |
| Return on Equity (ROE) | -3.8029% | 6,604 |
| Retained earnings to average equity (ytd only) | -4.7537% | 6,526 |
| Net charge-offs to loans | 1.0345% | 1,806 |
| Credit loss provision to net charge-offs | 118.4080% | 3,430 |
| Earnings coverage of net charge-offs (x) | 0.7363% | 5,014 |
| Efficiency ratio | 91.3803% | 1,226 |
| Assets per employee ($millions) | 1.9559% | 7,597 |
| Cash dividends to net income (ytd only)* | -25.0000% | 7,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3598% | 1,493 |
| Loan loss allowance to noncurrent loans | 37.3010% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 4.2514% | 1,577 |
| Noncurrent loans to loans | 6.3263% | 968 |
| Net loans and leases to total assets | 60.0676% | 5,046 |
| Net loans and leases to deposits | 67.6072% | 5,604 |
| Net loans and leases to core deposits | 68.8070% | 5,985 |
| Total domestic deposits to total assets | 88.8479% | 1,523 |
| Equity capital to assets | 10.7446% | 3,131 |
| Core capital (leverage) ratio | 10.1010% | 3,063 |
| Tier 1 risk-based capital ratio | 15.0926% | 3,112 |
| Total risk-based capital ratio | 16.3543% | 3,063 |
| Memoranda: | ||
| Average total assets | $65,730,330 | 6,116 |
| Average earning assets | $58,988,000 | 6,144 |
| Average equity | $6,942,000 | 6,156 |
| Average total loans | $38,859,330 | 6,096 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5724% | 2,275 |
| Cost of funding earning assets | 0.8496% | 6,939 |
| Net interest margin | 4.7228% | 744 |
| Noninterest income to average assets | 0.8986% | 1,627 |
| Noninterest expense to average assets | 4.5474% | 552 |
| Loan and lease loss provision to assets | 0.4523% | 2,704 |
| Net operating income to assets | 0.1339% | 5,912 |
| Return on assets (ROA) | 0.3800% | 5,058 |
| Pretax return on assets | 0.4463% | 5,143 |
| Return on Equity (ROE) | 3.6282% | 5,063 |
| Retained earnings to average equity (ytd only) | 1.7277% | 5,074 |
| Net charge-offs to loans | 1.7380% | 998 |
| Credit loss provision to net charge-offs | 44.9102% | 4,557 |
| Earnings coverage of net charge-offs (x) | 0.6048% | 4,483 |
| Efficiency ratio | 88.1871% | 1,570 |
| Assets per employee ($millions) | 2.0989% | 7,614 |
| Cash dividends to net income (ytd only)* | 52.3810% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0913% | 1,977 |
| Loan loss allowance to noncurrent loans | 39.7247% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 3.3396% | 2,130 |
| Noncurrent loans to loans | 5.2645% | 1,349 |
| Net loans and leases to total assets | 58.1370% | 5,411 |
| Net loans and leases to deposits | 65.3988% | 5,888 |
| Net loans and leases to core deposits | 68.1119% | 6,087 |
| Total domestic deposits to total assets | 88.8961% | 1,571 |
| Equity capital to assets | 10.7551% | 2,997 |
| Core capital (leverage) ratio | 10.0915% | 3,052 |
| Tier 1 risk-based capital ratio | 15.6510% | 2,805 |
| Total risk-based capital ratio | 16.9075% | 2,750 |
| Memoranda: | ||
| Average total assets | $66,323,500 | 6,157 |
| Average earning assets | $59,794,500 | 6,181 |
| Average equity | $6,945,500 | 6,208 |
| Average total loans | $38,435,500 | 6,194 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1229% | 1,455 |
| Cost of funding earning assets | 1.5576% | 5,241 |
| Net interest margin | 4.5652% | 1,044 |
| Noninterest income to average assets | 0.8473% | 2,193 |
| Noninterest expense to average assets | 4.3339% | 949 |
| Loan and lease loss provision to assets | 0.4932% | 3,905 |
| Net operating income to assets | 0.1847% | 4,946 |
| Return on assets (ROA) | 0.1104% | 5,230 |
| Pretax return on assets | -0.0201% | 5,478 |
| Return on Equity (ROE) | 1.1927% | 5,173 |
| Retained earnings to average equity (ytd only) | -0.4182% | 5,068 |
| Net charge-offs to loans | 0.5090% | 3,743 |
| Credit loss provision to net charge-offs | 170.2970% | 2,506 |
| Earnings coverage of net charge-offs (x) | 2.0347% | 4,201 |
| Efficiency ratio | 88.0315% | 1,877 |
| Assets per employee ($millions) | 2.2527% | 7,529 |
| Cash dividends to net income (ytd only)* | 135.0649% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3539% | 1,408 |
| Loan loss allowance to noncurrent loans | 30.2216% | 6,456 |
| Noncurrent assets plus other real estate owned to assets | 4.6123% | 1,391 |
| Noncurrent loans to loans | 7.7887% | 661 |
| Net loans and leases to total assets | 55.2456% | 6,054 |
| Net loans and leases to deposits | 61.7976% | 6,486 |
| Net loans and leases to core deposits | 72.4178% | 6,628 |
| Total domestic deposits to total assets | 89.3978% | 1,268 |
| Equity capital to assets | 10.1998% | 3,512 |
| Core capital (leverage) ratio | 9.7062% | 3,445 |
| Tier 1 risk-based capital ratio | 14.1991% | 3,378 |
| Total risk-based capital ratio | 15.4566% | 3,329 |
| Memoranda: | ||
| Average total assets | $69,753,000 | 6,013 |
| Average earning assets | $62,274,800 | 6,054 |
| Average equity | $6,456,000 | 6,442 |
| Average total loans | $39,684,400 | 6,127 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1713% | 1,438 |
| Cost of funding earning assets | 1.7362% | 4,720 |
| Net interest margin | 4.4351% | 1,354 |
| Noninterest income to average assets | 0.8364% | 2,258 |
| Noninterest expense to average assets | 4.2998% | 912 |
| Loan and lease loss provision to assets | 0.5235% | 3,292 |
| Net operating income to assets | 0.1049% | 5,449 |
| Return on assets (ROA) | 0.0285% | 5,696 |
| Pretax return on assets | -0.1479% | 5,908 |
| Return on Equity (ROE) | 0.3151% | 5,682 |
| Retained earnings to average equity (ytd only) | -0.8614% | 5,455 |
| Net charge-offs to loans | 0.6492% | 2,737 |
| Credit loss provision to net charge-offs | 141.5385% | 3,467 |
| Earnings coverage of net charge-offs (x) | 1.3385% | 4,782 |
| Efficiency ratio | 89.6756% | 1,716 |
| Assets per employee ($millions) | 2.4157% | 7,357 |
| Cash dividends to net income (ytd only)* | 373.3000% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0211% | 1,754 |
| Loan loss allowance to noncurrent loans | 28.3542% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 4.0830% | 1,553 |
| Noncurrent loans to loans | 7.1281% | 754 |
| Net loans and leases to total assets | 56.1224% | 6,128 |
| Net loans and leases to deposits | 62.6326% | 6,620 |
| Net loans and leases to core deposits | 74.6993% | 6,688 |
| Total domestic deposits to total assets | 89.6056% | 924 |
| Equity capital to assets | 9.8176% | 4,326 |
| Core capital (leverage) ratio | 9.3222% | 4,151 |
| Tier 1 risk-based capital ratio | 13.7836% | 3,672 |
| Total risk-based capital ratio | 15.0397% | 3,618 |
| Memoranda: | ||
| Average total assets | $70,296,250 | 6,033 |
| Average earning assets | $62,740,750 | 6,079 |
| Average equity | $6,346,750 | 6,541 |
| Average total loans | $40,046,750 | 6,156 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2647% | 1,299 |
| Cost of funding earning assets | 1.8005% | 4,758 |
| Net interest margin | 4.4642% | 1,257 |
| Noninterest income to average assets | 0.8107% | 2,362 |
| Noninterest expense to average assets | 4.3064% | 941 |
| Loan and lease loss provision to assets | 0.5462% | 2,836 |
| Net operating income to assets | 0.0700% | 5,649 |
| Return on assets (ROA) | 0.0719% | 5,737 |
| Pretax return on assets | -0.0690% | 5,962 |
| Return on Equity (ROE) | 0.8209% | 5,680 |
| Retained earnings to average equity (ytd only) | -0.2299% | 5,280 |
| Net charge-offs to loans | 0.9808% | 1,787 |
| Credit loss provision to net charge-offs | 97.9381% | 4,681 |
| Earnings coverage of net charge-offs (x) | 0.8505% | 4,903 |
| Efficiency ratio | 90.0782% | 1,801 |
| Assets per employee ($millions) | 2.3951% | 7,435 |
| Cash dividends to net income (ytd only)* | 128.0000% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8145% | 2,005 |
| Loan loss allowance to noncurrent loans | 50.3674% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 2.0834% | 3,078 |
| Noncurrent loans to loans | 3.6025% | 1,935 |
| Net loans and leases to total assets | 56.7826% | 6,116 |
| Net loans and leases to deposits | 62.4914% | 6,703 |
| Net loans and leases to core deposits | 74.9270% | 6,736 |
| Total domestic deposits to total assets | 90.8647% | 503 |
| Equity capital to assets | 8.5842% | 5,923 |
| Core capital (leverage) ratio | 8.9339% | 4,736 |
| Tier 1 risk-based capital ratio | 12.7336% | 4,328 |
| Total risk-based capital ratio | 13.9856% | 4,244 |
| Memoranda: | ||
| Average total assets | $69,571,000 | 6,093 |
| Average earning assets | $61,870,000 | 6,151 |
| Average equity | $6,090,670 | 6,690 |
| Average total loans | $39,558,330 | 6,224 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1436% | 1,787 |
| Cost of funding earning assets | 1.8259% | 4,997 |
| Net interest margin | 4.3176% | 1,554 |
| Noninterest income to average assets | 0.8300% | 2,178 |
| Noninterest expense to average assets | 4.3197% | 841 |
| Loan and lease loss provision to assets | 0.9353% | 1,389 |
| Net operating income to assets | -0.2689% | 6,644 |
| Return on assets (ROA) | -0.2689% | 6,721 |
| Pretax return on assets | -0.5962% | 6,899 |
| Return on Equity (ROE) | -3.0403% | 6,783 |
| Retained earnings to average equity (ytd only) | -5.1553% | 6,567 |
| Net charge-offs to loans | 1.3900% | 1,021 |
| Credit loss provision to net charge-offs | 119.4030% | 3,290 |
| Earnings coverage of net charge-offs (x) | 0.4328% | 4,642 |
| Efficiency ratio | 92.7227% | 1,523 |
| Assets per employee ($millions) | 2.2454% | 7,655 |
| Cash dividends to net income (ytd only)* | -69.5652% | 8,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0320% | 1,354 |
| Loan loss allowance to noncurrent loans | 39.9389% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 2.8202% | 2,016 |
| Noncurrent loans to loans | 5.0877% | 1,068 |
| Net loans and leases to total assets | 54.3042% | 6,433 |
| Net loans and leases to deposits | 59.7698% | 6,911 |
| Net loans and leases to core deposits | 70.7052% | 6,982 |
| Total domestic deposits to total assets | 90.8557% | 461 |
| Equity capital to assets | 8.6559% | 5,833 |
| Core capital (leverage) ratio | 9.2531% | 4,315 |
| Tier 1 risk-based capital ratio | 13.6372% | 3,780 |
| Total risk-based capital ratio | 14.8928% | 3,697 |
| Memoranda: | ||
| Average total assets | $68,430,000 | 6,162 |
| Average earning assets | $60,681,500 | 6,227 |
| Average equity | $6,052,000 | 6,741 |
| Average total loans | $38,560,500 | 6,304 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9498% | 1,259 |
| Cost of funding earning assets | 2.4082% | 4,688 |
| Net interest margin | 4.5417% | 1,331 |
| Noninterest income to average assets | 0.8462% | 2,252 |
| Noninterest expense to average assets | 4.3036% | 1,043 |
| Loan and lease loss provision to assets | 1.1675% | 1,243 |
| Net operating income to assets | -0.1851% | 6,605 |
| Return on assets (ROA) | -0.1498% | 6,405 |
| Pretax return on assets | -0.5554% | 6,693 |
| Return on Equity (ROE) | -1.5739% | 6,446 |
| Retained earnings to average equity (ytd only) | -3.3159% | 6,180 |
| Net charge-offs to loans | 1.8580% | 590 |
| Credit loss provision to net charge-offs | 106.0766% | 5,049 |
| Earnings coverage of net charge-offs (x) | 0.5059% | 5,931 |
| Efficiency ratio | 88.5432% | 1,629 |
| Assets per employee ($millions) | 2.0380% | 7,886 |
| Cash dividends to net income (ytd only)* | -110.6796% | 8,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9669% | 1,291 |
| Loan loss allowance to noncurrent loans | 39.8318% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 2.8296% | 1,660 |
| Noncurrent loans to loans | 4.9380% | 906 |
| Net loans and leases to total assets | 56.1751% | 6,414 |
| Net loans and leases to deposits | 62.1024% | 6,935 |
| Net loans and leases to core deposits | 74.4404% | 6,944 |
| Total domestic deposits to total assets | 90.4556% | 510 |
| Equity capital to assets | 9.0389% | 5,324 |
| Core capital (leverage) ratio | 9.5437% | 3,956 |
| Tier 1 risk-based capital ratio | 13.8265% | 3,632 |
| Total risk-based capital ratio | 15.0817% | 3,554 |
| Memoranda: | ||
| Average total assets | $68,779,600 | 6,069 |
| Average earning assets | $60,792,800 | 6,140 |
| Average equity | $6,544,200 | 6,631 |
| Average total loans | $40,742,600 | 6,135 |