Home > Main Street Bank > Performance and Condition Ratios
Main Street Bank, Performance and Condition Ratios
| 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 | 5.2154% | 332 |
| Cost of funding earning assets | 0.8714% | 944 |
| Net interest margin | 4.3440% | 463 |
| Noninterest income to average assets | 6.3270% | 94 |
| Noninterest expense to average assets | 6.8083% | 110 |
| Loan and lease loss provision to assets | 1.0601% | 84 |
| Net operating income to assets | 1.8971% | 322 |
| Return on assets (ROA) | 1.8971% | 344 |
| Pretax return on assets | 2.4336% | 207 |
| Return on Equity (ROE) | 14.1941% | 765 |
| Retained earnings to average equity (ytd only) | 14.1941% | 181 |
| Net charge-offs to loans | 0.0071% | 3,087 |
| Credit loss provision to net charge-offs | 16,705.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 550.5500% | 215 |
| Efficiency ratio | 66.0877% | 2,517 |
| Assets per employee ($millions) | 3.3299% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 3,172 |
| Loan loss allowance to noncurrent loans | 234.4390% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.4387% | 2,266 |
| Noncurrent loans to loans | 0.4944% | 2,489 |
| Net loans and leases to total assets | 87.7104% | 50 |
| Net loans and leases to deposits | 109.8223% | 167 |
| Net loans and leases to core deposits | 148.8887% | 90 |
| Total domestic deposits to total assets | 79.8657% | 4,066 |
| Equity capital to assets | 15.2779% | 526 |
| Core capital (leverage) ratio | 9.4311% | 3,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,172,600 | 2,214 |
| Average earning assets | $288,395,200 | 2,232 |
| Average equity | $42,123,200 | 1,943 |
| Average total loans | $281,337,200 | 1,769 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1778% | 432 |
| Cost of funding earning assets | 0.9745% | 837 |
| Net interest margin | 4.2033% | 729 |
| Noninterest income to average assets | 5.7288% | 103 |
| Noninterest expense to average assets | 6.4788% | 117 |
| Loan and lease loss provision to assets | 0.9262% | 165 |
| Net operating income to assets | 1.7291% | 542 |
| Return on assets (ROA) | 1.7291% | 604 |
| Pretax return on assets | 2.1888% | 347 |
| Return on Equity (ROE) | 13.4331% | 993 |
| Retained earnings to average equity (ytd only) | 13.4331% | 291 |
| Net charge-offs to loans | 0.0105% | 2,732 |
| Credit loss provision to net charge-offs | 9,890.9091% | 122 |
| Earnings coverage of net charge-offs (x) | 332.6364% | 330 |
| Efficiency ratio | 67.5304% | 2,244 |
| Assets per employee ($millions) | 3.4791% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7247% | 4,529 |
| Loan loss allowance to noncurrent loans | 240.6704% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 3,049 |
| Noncurrent loans to loans | 0.3011% | 3,201 |
| Net loans and leases to total assets | 87.4387% | 90 |
| Net loans and leases to deposits | 109.0856% | 244 |
| Net loans and leases to core deposits | 159.6664% | 83 |
| Total domestic deposits to total assets | 80.1560% | 3,829 |
| Equity capital to assets | 14.1093% | 824 |
| Core capital (leverage) ratio | 8.7529% | 4,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,216,750 | 2,204 |
| Average earning assets | $288,018,250 | 2,226 |
| Average equity | $40,317,250 | 2,001 |
| Average total loans | $280,015,750 | 1,763 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9214% | 937 |
| Cost of funding earning assets | 1.0542% | 828 |
| Net interest margin | 3.8672% | 1,649 |
| Noninterest income to average assets | 5.9627% | 89 |
| Noninterest expense to average assets | 6.9708% | 109 |
| Loan and lease loss provision to assets | 0.6397% | 466 |
| Net operating income to assets | 1.5285% | 881 |
| Return on assets (ROA) | 1.5285% | 956 |
| Pretax return on assets | 1.9349% | 631 |
| Return on Equity (ROE) | 12.3110% | 1,257 |
| Retained earnings to average equity (ytd only) | 12.3110% | 420 |
| Net charge-offs to loans | 0.0051% | 2,784 |
| Credit loss provision to net charge-offs | 13,942.8571% | 88 |
| Earnings coverage of net charge-offs (x) | 561.1429% | 182 |
| Efficiency ratio | 73.0275% | 1,566 |
| Assets per employee ($millions) | 3.2365% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3300% | 4,945 |
| Loan loss allowance to noncurrent loans | 60.5247% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5412% | 2,190 |
| Noncurrent loans to loans | 0.5453% | 2,538 |
| Net loans and leases to total assets | 87.7841% | 68 |
| Net loans and leases to deposits | 111.6117% | 198 |
| Net loans and leases to core deposits | 162.6846% | 74 |
| Total domestic deposits to total assets | 78.6513% | 4,086 |
| Equity capital to assets | 13.8616% | 887 |
| Core capital (leverage) ratio | 8.5184% | 4,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,131,667 | 2,223 |
| Average earning assets | $282,685,667 | 2,227 |
| Average equity | $37,884,667 | 2,087 |
| Average total loans | $274,276,000 | 1,772 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3934% | 4,739 |
| Cost of funding earning assets | 0.9951% | 1,438 |
| Net interest margin | 2.3983% | 4,880 |
| Noninterest income to average assets | 2.9758% | 154 |
| Noninterest expense to average assets | 3.7414% | 672 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1889% | 1,552 |
| Return on assets (ROA) | 1.1889% | 1,669 |
| Pretax return on assets | 1.4803% | 1,354 |
| Return on Equity (ROE) | 10.2602% | 1,654 |
| Retained earnings to average equity (ytd only) | 10.2602% | 699 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6504% | 2,131 |
| Assets per employee ($millions) | 3.1170% | 4,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,068 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 3,880 |
| Noncurrent loans to loans | 0.1002% | 4,107 |
| Net loans and leases to total assets | 87.8758% | 70 |
| Net loans and leases to deposits | 109.2419% | 200 |
| Net loans and leases to core deposits | 161.5090% | 77 |
| Total domestic deposits to total assets | 80.4415% | 3,771 |
| Equity capital to assets | 14.0328% | 1,042 |
| Core capital (leverage) ratio | 8.4679% | 4,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 6.7636% | 3,398 |
| Memoranda: | ||
| Average total assets | $291,017,500 | 2,260 |
| Average earning assets | $272,529,500 | 2,244 |
| Average equity | $33,722,500 | 2,260 |
| Average total loans | $264,611,000 | 1,783 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4073% | 661 |
| Cost of funding earning assets | 1.6815% | 207 |
| Net interest margin | 3.7258% | 2,737 |
| Noninterest income to average assets | 3.8065% | 115 |
| Noninterest expense to average assets | 6.3497% | 129 |
| Loan and lease loss provision to assets | 0.2267% | 849 |
| Net operating income to assets | 0.7649% | 3,656 |
| Return on assets (ROA) | 0.7649% | 3,744 |
| Pretax return on assets | 0.8618% | 3,848 |
| Return on Equity (ROE) | 8.6665% | 2,885 |
| Retained earnings to average equity (ytd only) | 8.6665% | 792 |
| Net charge-offs to loans | 0.0789% | 1,971 |
| Credit loss provision to net charge-offs | 305.4187% | 908 |
| Earnings coverage of net charge-offs (x) | 14.6650% | 2,274 |
| Efficiency ratio | 85.3667% | 579 |
| Assets per employee ($millions) | 2.9116% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6645% | 4,627 |
| Loan loss allowance to noncurrent loans | 175.9391% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.3561% | 2,974 |
| Noncurrent loans to loans | 0.3777% | 3,085 |
| Net loans and leases to total assets | 93.6570% | 11 |
| Net loans and leases to deposits | 110.1750% | 184 |
| Net loans and leases to core deposits | 174.7543% | 61 |
| Total domestic deposits to total assets | 85.0076% | 2,488 |
| Equity capital to assets | 9.2691% | 4,514 |
| Core capital (leverage) ratio | 9.0224% | 4,519 |
| Tier 1 risk-based capital ratio | 11.6097% | 4,570 |
| Total risk-based capital ratio | 12.4018% | 4,686 |
| Memoranda: | ||
| Average total assets | $273,509,400 | 2,310 |
| Average earning assets | $266,603,200 | 2,236 |
| Average equity | $24,138,800 | 2,783 |
| Average total loans | $257,393,000 | 1,792 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3754% | 735 |
| Cost of funding earning assets | 1.6787% | 218 |
| Net interest margin | 3.6967% | 2,934 |
| Noninterest income to average assets | 3.4597% | 127 |
| Noninterest expense to average assets | 6.2506% | 131 |
| Loan and lease loss provision to assets | 0.1095% | 1,775 |
| Net operating income to assets | 0.6194% | 4,245 |
| Return on assets (ROA) | 0.6194% | 4,294 |
| Pretax return on assets | 0.7049% | 4,333 |
| Return on Equity (ROE) | 7.1087% | 3,636 |
| Retained earnings to average equity (ytd only) | 7.1087% | 1,814 |
| Net charge-offs to loans | 0.1060% | 1,403 |
| Credit loss provision to net charge-offs | 109.8039% | 2,095 |
| Earnings coverage of net charge-offs (x) | 8.1668% | 2,682 |
| Efficiency ratio | 88.4722% | 372 |
| Assets per employee ($millions) | 2.9748% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4816% | 4,993 |
| Loan loss allowance to noncurrent loans | 121.7867% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 2,999 |
| Noncurrent loans to loans | 0.3955% | 3,126 |
| Net loans and leases to total assets | 94.6871% | 4 |
| Net loans and leases to deposits | 118.1028% | 107 |
| Net loans and leases to core deposits | 181.5482% | 58 |
| Total domestic deposits to total assets | 80.1734% | 3,956 |
| Equity capital to assets | 8.5143% | 4,995 |
| Core capital (leverage) ratio | 8.6741% | 4,853 |
| Tier 1 risk-based capital ratio | 10.7592% | 4,998 |
| Total risk-based capital ratio | 11.3438% | 5,109 |
| Memoranda: | ||
| Average total assets | $272,735,250 | 2,329 |
| Average earning assets | $265,994,500 | 2,253 |
| Average equity | $23,763,750 | 2,829 |
| Average total loans | $256,542,750 | 1,806 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4049% | 672 |
| Cost of funding earning assets | 1.6569% | 223 |
| Net interest margin | 3.7480% | 2,762 |
| Noninterest income to average assets | 2.7778% | 173 |
| Noninterest expense to average assets | 6.1988% | 136 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2800% | 4,903 |
| Return on assets (ROA) | 0.2800% | 4,912 |
| Pretax return on assets | 0.2327% | 5,000 |
| Return on Equity (ROE) | 3.1865% | 4,757 |
| Retained earnings to average equity (ytd only) | 3.1865% | 3,635 |
| Net charge-offs to loans | -0.0120% | 4,378 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3823% | 199 |
| Assets per employee ($millions) | 2.8636% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4989% | 5,020 |
| Loan loss allowance to noncurrent loans | 113.4697% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 2,853 |
| Noncurrent loans to loans | 0.4397% | 2,950 |
| Net loans and leases to total assets | 93.6376% | 9 |
| Net loans and leases to deposits | 110.6145% | 208 |
| Net loans and leases to core deposits | 167.8196% | 76 |
| Total domestic deposits to total assets | 84.6522% | 2,618 |
| Equity capital to assets | 8.4093% | 5,076 |
| Core capital (leverage) ratio | 8.7923% | 4,784 |
| Tier 1 risk-based capital ratio | 10.5663% | 5,080 |
| Total risk-based capital ratio | 11.1620% | 5,189 |
| Memoranda: | ||
| Average total assets | $266,469,330 | 2,374 |
| Average earning assets | $259,762,670 | 2,299 |
| Average equity | $23,411,000 | 2,847 |
| Average total loans | $249,597,000 | 1,844 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5146% | 510 |
| Cost of funding earning assets | 1.6302% | 205 |
| Net interest margin | 3.8844% | 2,237 |
| Noninterest income to average assets | 2.1507% | 223 |
| Noninterest expense to average assets | 5.9855% | 142 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.0512% | 5,165 |
| Return on assets (ROA) | -0.0512% | 5,167 |
| Pretax return on assets | -0.0512% | 5,160 |
| Return on Equity (ROE) | -0.5691% | 5,171 |
| Retained earnings to average equity (ytd only) | -0.5691% | 4,601 |
| Net charge-offs to loans | -0.0232% | 4,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8623% | 160 |
| Assets per employee ($millions) | 2.6072% | 5,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5450% | 5,026 |
| Loan loss allowance to noncurrent loans | 299.5495% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 3,969 |
| Noncurrent loans to loans | 0.1819% | 3,938 |
| Net loans and leases to total assets | 93.0891% | 11 |
| Net loans and leases to deposits | 104.3233% | 386 |
| Net loans and leases to core deposits | 156.9871% | 102 |
| Total domestic deposits to total assets | 89.2314% | 752 |
| Equity capital to assets | 8.8934% | 4,756 |
| Core capital (leverage) ratio | 8.8567% | 4,747 |
| Tier 1 risk-based capital ratio | 11.0842% | 4,936 |
| Total risk-based capital ratio | 11.7250% | 5,092 |
| Memoranda: | ||
| Average total assets | $257,957,000 | 2,457 |
| Average earning assets | $251,258,500 | 2,372 |
| Average equity | $23,196,500 | 2,867 |
| Average total loans | $241,001,500 | 1,906 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2408% | 648 |
| Cost of funding earning assets | 1.2938% | 223 |
| Net interest margin | 3.9470% | 2,171 |
| Noninterest income to average assets | 3.6518% | 117 |
| Noninterest expense to average assets | 6.4512% | 118 |
| Loan and lease loss provision to assets | 0.0220% | 3,728 |
| Net operating income to assets | 0.8073% | 3,777 |
| Return on assets (ROA) | 0.8073% | 3,779 |
| Pretax return on assets | 1.0217% | 3,539 |
| Return on Equity (ROE) | 8.8727% | 3,054 |
| Retained earnings to average equity (ytd only) | 8.8727% | 916 |
| Net charge-offs to loans | 0.0335% | 2,735 |
| Credit loss provision to net charge-offs | 71.0526% | 2,977 |
| Earnings coverage of net charge-offs (x) | 33.7500% | 1,487 |
| Efficiency ratio | 86.0749% | 521 |
| Assets per employee ($millions) | 2.6309% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5530% | 5,057 |
| Loan loss allowance to noncurrent loans | 212.2581% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 3,629 |
| Noncurrent loans to loans | 0.2605% | 3,643 |
| Net loans and leases to total assets | 92.7353% | 20 |
| Net loans and leases to deposits | 107.0454% | 334 |
| Net loans and leases to core deposits | 151.7652% | 128 |
| Total domestic deposits to total assets | 86.6317% | 1,952 |
| Equity capital to assets | 9.0935% | 4,495 |
| Core capital (leverage) ratio | 8.9621% | 4,685 |
| Tier 1 risk-based capital ratio | 11.2984% | 4,814 |
| Total risk-based capital ratio | 11.9432% | 5,005 |
| Memoranda: | ||
| Average total assets | $245,766,400 | 2,499 |
| Average earning assets | $239,294,000 | 2,416 |
| Average equity | $22,360,800 | 2,874 |
| Average total loans | $227,060,200 | 1,975 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1526% | 683 |
| Cost of funding earning assets | 1.2063% | 243 |
| Net interest margin | 3.9464% | 2,140 |
| Noninterest income to average assets | 3.6963% | 126 |
| Noninterest expense to average assets | 6.4449% | 118 |
| Loan and lease loss provision to assets | 0.0296% | 3,425 |
| Net operating income to assets | 0.8392% | 3,778 |
| Return on assets (ROA) | 0.8392% | 3,783 |
| Pretax return on assets | 1.0621% | 3,528 |
| Return on Equity (ROE) | 9.2220% | 2,991 |
| Retained earnings to average equity (ytd only) | 9.2220% | 1,143 |
| Net charge-offs to loans | 0.0291% | 2,513 |
| Credit loss provision to net charge-offs | 110.2041% | 2,107 |
| Earnings coverage of net charge-offs (x) | 40.6746% | 1,340 |
| Efficiency ratio | 85.5149% | 543 |
| Assets per employee ($millions) | 2.6329% | 5,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5573% | 5,111 |
| Loan loss allowance to noncurrent loans | 246.8750% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 3,890 |
| Noncurrent loans to loans | 0.2257% | 3,897 |
| Net loans and leases to total assets | 92.8805% | 18 |
| Net loans and leases to deposits | 111.3080% | 257 |
| Net loans and leases to core deposits | 152.7548% | 115 |
| Total domestic deposits to total assets | 83.4446% | 3,145 |
| Equity capital to assets | 8.8275% | 4,694 |
| Core capital (leverage) ratio | 8.9222% | 4,777 |
| Tier 1 risk-based capital ratio | 11.1887% | 4,951 |
| Total risk-based capital ratio | 11.8507% | 5,123 |
| Memoranda: | ||
| Average total assets | $243,409,500 | 2,525 |
| Average earning assets | $236,870,500 | 2,448 |
| Average equity | $22,149,500 | 2,902 |
| Average total loans | $224,332,500 | 1,997 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0632% | 711 |
| Cost of funding earning assets | 1.1274% | 258 |
| Net interest margin | 3.9357% | 2,086 |
| Noninterest income to average assets | 3.0637% | 157 |
| Noninterest expense to average assets | 6.4929% | 124 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3153% | 5,097 |
| Return on assets (ROA) | 0.3153% | 5,092 |
| Pretax return on assets | 0.3991% | 5,044 |
| Return on Equity (ROE) | 3.4275% | 4,941 |
| Retained earnings to average equity (ytd only) | 3.4275% | 3,864 |
| Net charge-offs to loans | -0.0027% | 3,999 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2092% | 258 |
| Assets per employee ($millions) | 2.5674% | 5,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5784% | 5,142 |
| Loan loss allowance to noncurrent loans | 843.3962% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 4,700 |
| Noncurrent loans to loans | 0.0686% | 4,612 |
| Net loans and leases to total assets | 91.6118% | 38 |
| Net loans and leases to deposits | 112.5253% | 222 |
| Net loans and leases to core deposits | 151.1750% | 111 |
| Total domestic deposits to total assets | 81.4144% | 3,889 |
| Equity capital to assets | 8.7984% | 4,722 |
| Core capital (leverage) ratio | 9.1594% | 4,509 |
| Tier 1 risk-based capital ratio | 11.4357% | 4,812 |
| Total risk-based capital ratio | 12.1318% | 5,004 |
| Memoranda: | ||
| Average total assets | $238,538,000 | 2,575 |
| Average earning assets | $232,028,330 | 2,495 |
| Average equity | $21,940,330 | 2,932 |
| Average total loans | $218,777,670 | 2,044 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0289% | 663 |
| Cost of funding earning assets | 1.0413% | 306 |
| Net interest margin | 3.9876% | 1,765 |
| Noninterest income to average assets | 2.6930% | 181 |
| Noninterest expense to average assets | 6.5412% | 123 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0276% | 5,372 |
| Return on assets (ROA) | 0.0276% | 5,369 |
| Pretax return on assets | 0.0276% | 5,376 |
| Return on Equity (ROE) | 0.2930% | 5,363 |
| Retained earnings to average equity (ytd only) | 0.2930% | 4,761 |
| Net charge-offs to loans | -0.0038% | 3,921 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5801% | 178 |
| Assets per employee ($millions) | 2.4129% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6200% | 5,153 |
| Loan loss allowance to noncurrent loans | 362.1622% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 4,295 |
| Noncurrent loans to loans | 0.1712% | 4,211 |
| Net loans and leases to total assets | 90.8363% | 47 |
| Net loans and leases to deposits | 103.2380% | 520 |
| Net loans and leases to core deposits | 139.4988% | 220 |
| Total domestic deposits to total assets | 87.9872% | 1,628 |
| Equity capital to assets | 9.2246% | 4,339 |
| Core capital (leverage) ratio | 9.4720% | 4,096 |
| Tier 1 risk-based capital ratio | 11.7428% | 4,713 |
| Total risk-based capital ratio | 12.4680% | 4,919 |
| Memoranda: | ||
| Average total assets | $232,005,500 | 2,648 |
| Average earning assets | $225,496,500 | 2,565 |
| Average equity | $21,842,000 | 2,970 |
| Average total loans | $212,247,000 | 2,096 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9402% | 729 |
| Cost of funding earning assets | 0.8468% | 490 |
| Net interest margin | 4.0934% | 1,465 |
| Noninterest income to average assets | 4.5679% | 118 |
| Noninterest expense to average assets | 7.6788% | 97 |
| Loan and lease loss provision to assets | 0.0853% | 2,496 |
| Net operating income to assets | 0.5183% | 4,330 |
| Return on assets (ROA) | 0.5183% | 4,367 |
| Pretax return on assets | 0.7850% | 4,291 |
| Return on Equity (ROE) | 5.6257% | 3,903 |
| Retained earnings to average equity (ytd only) | 5.6257% | 1,753 |
| Net charge-offs to loans | 0.0756% | 2,371 |
| Credit loss provision to net charge-offs | 123.6842% | 2,115 |
| Earnings coverage of net charge-offs (x) | 12.6250% | 2,457 |
| Efficiency ratio | 89.8207% | 442 |
| Assets per employee ($millions) | 2.2999% | 5,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6422% | 5,171 |
| Loan loss allowance to noncurrent loans | 361.6216% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 4,332 |
| Noncurrent loans to loans | 0.1776% | 4,209 |
| Net loans and leases to total assets | 90.9227% | 51 |
| Net loans and leases to deposits | 105.2690% | 433 |
| Net loans and leases to core deposits | 144.4974% | 172 |
| Total domestic deposits to total assets | 86.3717% | 2,283 |
| Equity capital to assets | 9.6382% | 4,102 |
| Core capital (leverage) ratio | 9.6645% | 3,853 |
| Tier 1 risk-based capital ratio | 12.0932% | 4,468 |
| Total risk-based capital ratio | 12.8365% | 4,688 |
| Memoranda: | ||
| Average total assets | $220,515,000 | 2,724 |
| Average earning assets | $214,466,200 | 2,625 |
| Average equity | $20,317,400 | 3,109 |
| Average total loans | $201,023,000 | 2,147 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8996% | 762 |
| Cost of funding earning assets | 0.8116% | 533 |
| Net interest margin | 4.0880% | 1,421 |
| Noninterest income to average assets | 4.7597% | 117 |
| Noninterest expense to average assets | 7.7168% | 101 |
| Loan and lease loss provision to assets | -0.0683% | 5,550 |
| Net operating income to assets | 0.7181% | 3,882 |
| Return on assets (ROA) | 0.7181% | 3,944 |
| Pretax return on assets | 1.0875% | 3,348 |
| Return on Equity (ROE) | 7.8885% | 3,183 |
| Retained earnings to average equity (ytd only) | 7.8885% | 1,264 |
| Net charge-offs to loans | -0.0917% | 5,355 |
| Credit loss provision to net charge-offs | 81.7518% | 2,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3330% | 490 |
| Assets per employee ($millions) | 2.2383% | 5,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6562% | 5,228 |
| Loan loss allowance to noncurrent loans | 353.8667% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 4,427 |
| Noncurrent loans to loans | 0.1854% | 4,330 |
| Net loans and leases to total assets | 90.6653% | 61 |
| Net loans and leases to deposits | 104.4009% | 481 |
| Net loans and leases to core deposits | 145.4390% | 152 |
| Total domestic deposits to total assets | 86.8434% | 1,936 |
| Equity capital to assets | 9.3198% | 4,633 |
| Core capital (leverage) ratio | 9.3125% | 4,394 |
| Tier 1 risk-based capital ratio | 11.5123% | 4,959 |
| Total risk-based capital ratio | 12.2600% | 5,133 |
| Memoranda: | ||
| Average total assets | $218,721,750 | 2,764 |
| Average earning assets | $212,747,000 | 2,659 |
| Average equity | $19,910,500 | 3,176 |
| Average total loans | $199,189,250 | 2,167 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8418% | 788 |
| Cost of funding earning assets | 0.7708% | 614 |
| Net interest margin | 4.0711% | 1,403 |
| Noninterest income to average assets | 4.7804% | 120 |
| Noninterest expense to average assets | 7.4796% | 110 |
| Loan and lease loss provision to assets | -0.1029% | 5,648 |
| Net operating income to assets | 0.8991% | 2,918 |
| Return on assets (ROA) | 0.8991% | 2,974 |
| Pretax return on assets | 1.3620% | 2,161 |
| Return on Equity (ROE) | 9.9576% | 2,057 |
| Retained earnings to average equity (ytd only) | 9.9576% | 596 |
| Net charge-offs to loans | -0.1373% | 5,504 |
| Credit loss provision to net charge-offs | 82.3529% | 2,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5912% | 726 |
| Assets per employee ($millions) | 2.2679% | 5,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6601% | 5,283 |
| Loan loss allowance to noncurrent loans | 374.5763% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 4,538 |
| Noncurrent loans to loans | 0.1762% | 4,415 |
| Net loans and leases to total assets | 90.7054% | 63 |
| Net loans and leases to deposits | 108.6032% | 298 |
| Net loans and leases to core deposits | 152.2311% | 112 |
| Total domestic deposits to total assets | 83.5199% | 3,394 |
| Equity capital to assets | 9.1810% | 4,733 |
| Core capital (leverage) ratio | 9.4058% | 4,224 |
| Tier 1 risk-based capital ratio | 11.3870% | 5,027 |
| Total risk-based capital ratio | 12.1426% | 5,223 |
| Memoranda: | ||
| Average total assets | $217,764,670 | 2,788 |
| Average earning assets | $211,738,670 | 2,683 |
| Average equity | $19,663,330 | 3,192 |
| Average total loans | $198,174,000 | 2,183 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8366% | 698 |
| Cost of funding earning assets | 0.7482% | 659 |
| Net interest margin | 4.0884% | 1,238 |
| Noninterest income to average assets | 4.3535% | 133 |
| Noninterest expense to average assets | 7.4165% | 117 |
| Loan and lease loss provision to assets | -0.2068% | 5,791 |
| Net operating income to assets | 0.7385% | 3,523 |
| Return on assets (ROA) | 0.7385% | 3,573 |
| Pretax return on assets | 1.1188% | 2,908 |
| Return on Equity (ROE) | 8.2489% | 2,786 |
| Retained earnings to average equity (ytd only) | 8.2489% | 1,357 |
| Net charge-offs to loans | -0.2561% | 5,665 |
| Credit loss provision to net charge-offs | 88.8889% | 1,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0490% | 605 |
| Assets per employee ($millions) | 2.1766% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6754% | 5,354 |
| Loan loss allowance to noncurrent loans | 371.7514% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 4,593 |
| Noncurrent loans to loans | 0.1817% | 4,472 |
| Net loans and leases to total assets | 89.8148% | 64 |
| Net loans and leases to deposits | 104.1413% | 396 |
| Net loans and leases to core deposits | 148.5314% | 113 |
| Total domestic deposits to total assets | 86.2432% | 2,559 |
| Equity capital to assets | 9.0946% | 4,717 |
| Core capital (leverage) ratio | 9.0310% | 4,696 |
| Tier 1 risk-based capital ratio | 11.6742% | 4,929 |
| Total risk-based capital ratio | 12.4660% | 5,092 |
| Memoranda: | ||
| Average total assets | $216,653,500 | 2,822 |
| Average earning assets | $210,644,000 | 2,717 |
| Average equity | $19,396,500 | 3,239 |
| Average total loans | $196,828,000 | 2,208 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8400% | 817 |
| Cost of funding earning assets | 0.8010% | 506 |
| Net interest margin | 4.0390% | 1,527 |
| Noninterest income to average assets | 5.8521% | 104 |
| Noninterest expense to average assets | 7.6794% | 113 |
| Loan and lease loss provision to assets | 0.1910% | 1,230 |
| Net operating income to assets | 1.2618% | 1,322 |
| Return on assets (ROA) | 1.2618% | 1,401 |
| Pretax return on assets | 1.9118% | 607 |
| Return on Equity (ROE) | 14.5087% | 697 |
| Retained earnings to average equity (ytd only) | 14.5087% | 120 |
| Net charge-offs to loans | 0.2481% | 1,119 |
| Credit loss provision to net charge-offs | 85.1064% | 2,894 |
| Earnings coverage of net charge-offs (x) | 9.3681% | 2,759 |
| Efficiency ratio | 78.5031% | 1,625 |
| Assets per employee ($millions) | 2.2456% | 5,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6549% | 5,439 |
| Loan loss allowance to noncurrent loans | 166.9231% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 3,851 |
| Noncurrent loans to loans | 0.3923% | 3,741 |
| Net loans and leases to total assets | 90.6706% | 52 |
| Net loans and leases to deposits | 101.6956% | 554 |
| Net loans and leases to core deposits | 144.4528% | 149 |
| Total domestic deposits to total assets | 89.1589% | 1,034 |
| Equity capital to assets | 8.8946% | 4,919 |
| Core capital (leverage) ratio | 8.9295% | 4,823 |
| Tier 1 risk-based capital ratio | 11.4720% | 5,071 |
| Total risk-based capital ratio | 12.2506% | 5,239 |
| Memoranda: | ||
| Average total assets | $209,379,600 | 2,856 |
| Average earning assets | $203,739,200 | 2,754 |
| Average equity | $18,209,800 | 3,377 |
| Average total loans | $189,440,600 | 2,214 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8437% | 818 |
| Cost of funding earning assets | 0.7967% | 516 |
| Net interest margin | 4.0470% | 1,534 |
| Noninterest income to average assets | 6.0114% | 103 |
| Noninterest expense to average assets | 7.5501% | 115 |
| Loan and lease loss provision to assets | 0.2091% | 1,010 |
| Net operating income to assets | 1.4454% | 978 |
| Return on assets (ROA) | 1.4454% | 1,029 |
| Pretax return on assets | 2.1897% | 399 |
| Return on Equity (ROE) | 16.7198% | 470 |
| Retained earnings to average equity (ytd only) | 16.7198% | 92 |
| Net charge-offs to loans | 0.3356% | 687 |
| Credit loss provision to net charge-offs | 69.0021% | 2,810 |
| Earnings coverage of net charge-offs (x) | 7.9173% | 2,826 |
| Efficiency ratio | 75.8890% | 1,988 |
| Assets per employee ($millions) | 2.3439% | 5,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6358% | 5,556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 88.8453% | 95 |
| Net loans and leases to deposits | 98.3304% | 828 |
| Net loans and leases to core deposits | 140.6814% | 186 |
| Total domestic deposits to total assets | 90.3539% | 360 |
| Equity capital to assets | 8.8675% | 5,269 |
| Core capital (leverage) ratio | 8.9897% | 4,839 |
| Tier 1 risk-based capital ratio | 11.5116% | 5,079 |
| Total risk-based capital ratio | 12.2635% | 5,273 |
| Memoranda: | ||
| Average total assets | $207,267,500 | 2,897 |
| Average earning assets | $201,660,500 | 2,785 |
| Average equity | $17,918,500 | 3,446 |
| Average total loans | $187,098,750 | 2,240 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8748% | 765 |
| Cost of funding earning assets | 0.7917% | 515 |
| Net interest margin | 4.0831% | 1,407 |
| Noninterest income to average assets | 6.0750% | 103 |
| Noninterest expense to average assets | 7.8679% | 112 |
| Loan and lease loss provision to assets | 0.3179% | 545 |
| Net operating income to assets | 1.2275% | 1,509 |
| Return on assets (ROA) | 1.2275% | 1,603 |
| Pretax return on assets | 1.8594% | 766 |
| Return on Equity (ROE) | 14.3287% | 781 |
| Retained earnings to average equity (ytd only) | 14.3287% | 168 |
| Net charge-offs to loans | 0.3791% | 608 |
| Credit loss provision to net charge-offs | 92.5926% | 2,211 |
| Earnings coverage of net charge-offs (x) | 6.3419% | 2,755 |
| Efficiency ratio | 78.3252% | 1,741 |
| Assets per employee ($millions) | 2.2074% | 5,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7188% | 5,483 |
| Loan loss allowance to noncurrent loans | 181.6464% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3571% | 4,056 |
| Noncurrent loans to loans | 0.3957% | 3,942 |
| Net loans and leases to total assets | 89.6004% | 77 |
| Net loans and leases to deposits | 98.6753% | 820 |
| Net loans and leases to core deposits | 144.9977% | 149 |
| Total domestic deposits to total assets | 90.8033% | 229 |
| Equity capital to assets | 8.7418% | 5,449 |
| Core capital (leverage) ratio | 8.5512% | 5,321 |
| Tier 1 risk-based capital ratio | 11.1087% | 5,361 |
| Total risk-based capital ratio | 11.9490% | 5,500 |
| Memoranda: | ||
| Average total assets | $204,476,330 | 2,938 |
| Average earning assets | $198,818,670 | 2,827 |
| Average equity | $17,517,330 | 3,512 |
| Average total loans | $185,194,000 | 2,264 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8460% | 773 |
| Cost of funding earning assets | 0.7607% | 602 |
| Net interest margin | 4.0854% | 1,384 |
| Noninterest income to average assets | 5.0629% | 116 |
| Noninterest expense to average assets | 7.2801% | 129 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1568% | 1,683 |
| Return on assets (ROA) | 1.1568% | 1,801 |
| Pretax return on assets | 1.7520% | 939 |
| Return on Equity (ROE) | 13.6460% | 902 |
| Retained earnings to average equity (ytd only) | 13.6460% | 344 |
| Net charge-offs to loans | 0.1043% | 1,500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 18.5208% | 1,541 |
| Efficiency ratio | 80.6022% | 1,536 |
| Assets per employee ($millions) | 2.1278% | 5,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7109% | 5,571 |
| Loan loss allowance to noncurrent loans | 206.2305% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 4,329 |
| Noncurrent loans to loans | 0.3447% | 4,200 |
| Net loans and leases to total assets | 89.5985% | 74 |
| Net loans and leases to deposits | 98.3733% | 732 |
| Net loans and leases to core deposits | 148.4515% | 114 |
| Total domestic deposits to total assets | 91.0802% | 250 |
| Equity capital to assets | 8.4998% | 5,562 |
| Core capital (leverage) ratio | 8.5644% | 5,329 |
| Tier 1 risk-based capital ratio | 10.7207% | 5,654 |
| Total risk-based capital ratio | 11.5436% | 5,761 |
| Memoranda: | ||
| Average total assets | $202,965,500 | 2,957 |
| Average earning assets | $197,192,000 | 2,853 |
| Average equity | $17,206,500 | 3,551 |
| Average total loans | $184,158,500 | 2,270 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9617% | 677 |
| Cost of funding earning assets | 0.6783% | 925 |
| Net interest margin | 4.2834% | 995 |
| Noninterest income to average assets | 6.1965% | 100 |
| Noninterest expense to average assets | 7.8795% | 112 |
| Loan and lease loss provision to assets | 0.1727% | 1,322 |
| Net operating income to assets | 1.5109% | 846 |
| Return on assets (ROA) | 1.5109% | 877 |
| Pretax return on assets | 2.2977% | 296 |
| Return on Equity (ROE) | 17.4034% | 422 |
| Retained earnings to average equity (ytd only) | 16.9996% | 93 |
| Net charge-offs to loans | 0.0461% | 3,292 |
| Credit loss provision to net charge-offs | 416.6667% | 735 |
| Earnings coverage of net charge-offs (x) | 59.6154% | 872 |
| Efficiency ratio | 76.1318% | 2,247 |
| Assets per employee ($millions) | 2.0785% | 6,032 |
| Cash dividends to net income (ytd only)* | 2.3207% | 4,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7536% | 5,528 |
| Loan loss allowance to noncurrent loans | 157.5201% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 3,866 |
| Noncurrent loans to loans | 0.4784% | 3,758 |
| Net loans and leases to total assets | 90.5571% | 51 |
| Net loans and leases to deposits | 105.3609% | 383 |
| Net loans and leases to core deposits | 166.3506% | 67 |
| Total domestic deposits to total assets | 85.9495% | 2,666 |
| Equity capital to assets | 8.4546% | 5,599 |
| Core capital (leverage) ratio | 8.4394% | 5,484 |
| Tier 1 risk-based capital ratio | 10.0923% | 5,929 |
| Total risk-based capital ratio | 10.9239% | 6,005 |
| Memoranda: | ||
| Average total assets | $188,234,400 | 3,076 |
| Average earning assets | $182,517,600 | 2,970 |
| Average equity | $16,341,600 | 3,624 |
| Average total loans | $169,043,600 | 2,359 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9810% | 650 |
| Cost of funding earning assets | 0.6534% | 1,073 |
| Net interest margin | 4.3276% | 914 |
| Noninterest income to average assets | 6.7582% | 99 |
| Noninterest expense to average assets | 8.0641% | 110 |
| Loan and lease loss provision to assets | 0.1582% | 1,360 |
| Net operating income to assets | 1.7985% | 525 |
| Return on assets (ROA) | 1.7985% | 543 |
| Pretax return on assets | 2.7319% | 162 |
| Return on Equity (ROE) | 20.5718% | 241 |
| Retained earnings to average equity (ytd only) | 20.1276% | 64 |
| Net charge-offs to loans | 0.0643% | 2,660 |
| Credit loss provision to net charge-offs | 275.0000% | 1,053 |
| Earnings coverage of net charge-offs (x) | 50.2394% | 1,048 |
| Efficiency ratio | 73.6165% | 2,618 |
| Assets per employee ($millions) | 2.0229% | 6,131 |
| Cash dividends to net income (ytd only)* | 2.1592% | 3,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7169% | 5,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 89.2853% | 81 |
| Net loans and leases to deposits | 107.4477% | 317 |
| Net loans and leases to core deposits | 163.8072% | 71 |
| Total domestic deposits to total assets | 83.0964% | 3,780 |
| Equity capital to assets | 8.8979% | 5,396 |
| Core capital (leverage) ratio | 8.8185% | 5,218 |
| Tier 1 risk-based capital ratio | 10.6929% | 5,803 |
| Total risk-based capital ratio | 11.4813% | 5,912 |
| Memoranda: | ||
| Average total assets | $185,408,750 | 3,135 |
| Average earning assets | $179,773,250 | 3,025 |
| Average equity | $16,209,500 | 3,675 |
| Average total loans | $165,787,750 | 2,416 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8430% | 814 |
| Cost of funding earning assets | 0.6500% | 1,104 |
| Net interest margin | 4.1930% | 1,119 |
| Noninterest income to average assets | 6.5730% | 104 |
| Noninterest expense to average assets | 7.9614% | 113 |
| Loan and lease loss provision to assets | 0.2420% | 745 |
| Net operating income to assets | 1.6094% | 731 |
| Return on assets (ROA) | 1.6094% | 758 |
| Pretax return on assets | 2.4356% | 271 |
| Return on Equity (ROE) | 18.5276% | 371 |
| Retained earnings to average equity (ytd only) | 18.0463% | 104 |
| Net charge-offs to loans | 0.1011% | 1,994 |
| Credit loss provision to net charge-offs | 268.2927% | 997 |
| Earnings coverage of net charge-offs (x) | 29.6829% | 1,373 |
| Efficiency ratio | 74.8320% | 2,559 |
| Assets per employee ($millions) | 2.0980% | 6,193 |
| Cash dividends to net income (ytd only)* | 2.5974% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7395% | 5,733 |
| Loan loss allowance to noncurrent loans | 2,428.8462% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 5,779 |
| Noncurrent loans to loans | 0.0304% | 5,631 |
| Net loans and leases to total assets | 87.8264% | 152 |
| Net loans and leases to deposits | 103.4517% | 476 |
| Net loans and leases to core deposits | 142.0114% | 154 |
| Total domestic deposits to total assets | 84.8961% | 3,164 |
| Equity capital to assets | 8.4910% | 5,690 |
| Core capital (leverage) ratio | 8.6861% | 5,337 |
| Tier 1 risk-based capital ratio | 10.7482% | 5,825 |
| Total risk-based capital ratio | 11.5886% | 5,922 |
| Memoranda: | ||
| Average total assets | $181,803,330 | 3,196 |
| Average earning assets | $176,295,000 | 3,082 |
| Average equity | $15,792,670 | 3,758 |
| Average total loans | $162,228,670 | 2,461 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9150% | 677 |
| Cost of funding earning assets | 0.6533% | 1,097 |
| Net interest margin | 4.2617% | 957 |
| Noninterest income to average assets | 6.5495% | 108 |
| Noninterest expense to average assets | 7.8276% | 125 |
| Loan and lease loss provision to assets | 0.3859% | 313 |
| Net operating income to assets | 1.6323% | 677 |
| Return on assets (ROA) | 1.6323% | 707 |
| Pretax return on assets | 2.4677% | 260 |
| Return on Equity (ROE) | 18.5614% | 345 |
| Retained earnings to average equity (ytd only) | 17.9677% | 146 |
| Net charge-offs to loans | -0.0051% | 4,499 |
| Credit loss provision to net charge-offs | -8,500.0000% | 5,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2837% | 2,946 |
| Assets per employee ($millions) | 1.9318% | 6,292 |
| Cash dividends to net income (ytd only)* | 3.1989% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8211% | 5,647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 89.1161% | 77 |
| Net loans and leases to deposits | 101.3266% | 490 |
| Net loans and leases to core deposits | 125.1500% | 308 |
| Total domestic deposits to total assets | 87.9494% | 1,859 |
| Equity capital to assets | 8.9509% | 5,345 |
| Core capital (leverage) ratio | 8.7336% | 5,289 |
| Tier 1 risk-based capital ratio | 10.6279% | 5,970 |
| Total risk-based capital ratio | 11.5218% | 6,037 |
| Memoranda: | ||
| Average total assets | $176,197,000 | 3,290 |
| Average earning assets | $170,823,000 | 3,167 |
| Average equity | $15,494,500 | 3,831 |
| Average total loans | $157,952,000 | 2,512 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9594% | 840 |
| Cost of funding earning assets | 0.6900% | 1,151 |
| Net interest margin | 4.2694% | 1,113 |
| Noninterest income to average assets | 5.5349% | 113 |
| Noninterest expense to average assets | 7.6851% | 115 |
| Loan and lease loss provision to assets | 0.0181% | 4,252 |
| Net operating income to assets | 1.3009% | 1,305 |
| Return on assets (ROA) | 1.3009% | 1,354 |
| Pretax return on assets | 1.9719% | 538 |
| Return on Equity (ROE) | 14.6292% | 837 |
| Retained earnings to average equity (ytd only) | 13.7555% | 192 |
| Net charge-offs to loans | 0.0589% | 3,662 |
| Credit loss provision to net charge-offs | 34.8837% | 3,771 |
| Earnings coverage of net charge-offs (x) | 38.4186% | 1,122 |
| Efficiency ratio | 79.4323% | 2,011 |
| Assets per employee ($millions) | 1.9196% | 6,384 |
| Cash dividends to net income (ytd only)* | 5.9722% | 4,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7123% | 5,966 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 88.8002% | 91 |
| Net loans and leases to deposits | 107.1722% | 318 |
| Net loans and leases to core deposits | 143.3443% | 142 |
| Total domestic deposits to total assets | 82.8575% | 4,126 |
| Equity capital to assets | 8.6686% | 5,597 |
| Core capital (leverage) ratio | 8.6062% | 5,440 |
| Tier 1 risk-based capital ratio | 10.3825% | 6,147 |
| Total risk-based capital ratio | 11.1584% | 6,240 |
| Memoranda: | ||
| Average total assets | $166,036,600 | 3,393 |
| Average earning assets | $161,008,000 | 3,267 |
| Average equity | $14,765,000 | 3,884 |
| Average total loans | $146,094,600 | 2,624 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9059% | 919 |
| Cost of funding earning assets | 0.6916% | 1,192 |
| Net interest margin | 4.2143% | 1,242 |
| Noninterest income to average assets | 5.2934% | 115 |
| Noninterest expense to average assets | 7.5806% | 116 |
| Loan and lease loss provision to assets | -0.0163% | 6,103 |
| Net operating income to assets | 1.1979% | 1,683 |
| Return on assets (ROA) | 1.1979% | 1,757 |
| Pretax return on assets | 1.8164% | 858 |
| Return on Equity (ROE) | 13.3795% | 1,121 |
| Retained earnings to average equity (ytd only) | 12.5774% | 371 |
| Net charge-offs to loans | 0.0829% | 3,018 |
| Credit loss provision to net charge-offs | -22.4719% | 5,285 |
| Earnings coverage of net charge-offs (x) | 24.7873% | 1,528 |
| Efficiency ratio | 80.8107% | 1,792 |
| Assets per employee ($millions) | 1.9144% | 6,461 |
| Cash dividends to net income (ytd only)* | 5.9945% | 3,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6890% | 6,119 |
| Loan loss allowance to noncurrent loans | 682.8025% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 5,805 |
| Noncurrent loans to loans | 0.1009% | 5,634 |
| Net loans and leases to total assets | 87.7380% | 126 |
| Net loans and leases to deposits | 107.3515% | 279 |
| Net loans and leases to core deposits | 144.1824% | 130 |
| Total domestic deposits to total assets | 81.7297% | 4,575 |
| Equity capital to assets | 8.4901% | 5,805 |
| Core capital (leverage) ratio | 8.8542% | 5,258 |
| Tier 1 risk-based capital ratio | 10.4249% | 6,229 |
| Total risk-based capital ratio | 11.1823% | 6,330 |
| Memoranda: | ||
| Average total assets | $163,395,250 | 3,468 |
| Average earning assets | $158,472,250 | 3,326 |
| Average equity | $14,629,000 | 3,923 |
| Average total loans | $143,131,250 | 2,683 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8813% | 937 |
| Cost of funding earning assets | 0.7066% | 1,162 |
| Net interest margin | 4.1747% | 1,299 |
| Noninterest income to average assets | 4.8205% | 128 |
| Noninterest expense to average assets | 7.3313% | 128 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0129% | 2,280 |
| Return on assets (ROA) | 1.0129% | 2,345 |
| Pretax return on assets | 1.5356% | 1,443 |
| Return on Equity (ROE) | 11.1012% | 1,713 |
| Retained earnings to average equity (ytd only) | 9.9442% | 727 |
| Net charge-offs to loans | -0.0101% | 5,322 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6814% | 1,672 |
| Assets per employee ($millions) | 1.9036% | 6,528 |
| Cash dividends to net income (ytd only)* | 10.4218% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8383% | 5,890 |
| Loan loss allowance to noncurrent loans | 588.1188% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 5,779 |
| Noncurrent loans to loans | 0.1425% | 5,576 |
| Net loans and leases to total assets | 86.8444% | 137 |
| Net loans and leases to deposits | 99.9502% | 560 |
| Net loans and leases to core deposits | 130.1081% | 224 |
| Total domestic deposits to total assets | 86.8876% | 2,522 |
| Equity capital to assets | 9.0557% | 5,242 |
| Core capital (leverage) ratio | 9.1459% | 4,822 |
| Tier 1 risk-based capital ratio | 11.0995% | 6,013 |
| Total risk-based capital ratio | 12.0155% | 6,095 |
| Memoranda: | ||
| Average total assets | $159,153,000 | 3,548 |
| Average earning assets | $154,262,000 | 3,407 |
| Average equity | $14,521,000 | 3,939 |
| Average total loans | $138,975,670 | 2,748 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8909% | 884 |
| Cost of funding earning assets | 0.7140% | 1,163 |
| Net interest margin | 4.1769% | 1,278 |
| Noninterest income to average assets | 4.1895% | 140 |
| Noninterest expense to average assets | 7.0813% | 135 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7603% | 3,355 |
| Return on assets (ROA) | 0.7603% | 3,442 |
| Pretax return on assets | 1.1557% | 2,675 |
| Return on Equity (ROE) | 8.3016% | 2,796 |
| Retained earnings to average equity (ytd only) | 7.1671% | 1,949 |
| Net charge-offs to loans | -0.0087% | 5,000 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9692% | 1,460 |
| Assets per employee ($millions) | 1.8758% | 6,602 |
| Cash dividends to net income (ytd only)* | 13.6667% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 5,962 |
| Loan loss allowance to noncurrent loans | 239.1919% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 5,195 |
| Noncurrent loans to loans | 0.3616% | 5,039 |
| Net loans and leases to total assets | 87.1588% | 107 |
| Net loans and leases to deposits | 96.4114% | 629 |
| Net loans and leases to core deposits | 124.4084% | 250 |
| Total domestic deposits to total assets | 90.4030% | 857 |
| Equity capital to assets | 9.2817% | 4,778 |
| Core capital (leverage) ratio | 9.1308% | 4,822 |
| Tier 1 risk-based capital ratio | 11.4272% | 5,950 |
| Total risk-based capital ratio | 12.3779% | 6,057 |
| Memoranda: | ||
| Average total assets | $157,825,000 | 3,591 |
| Average earning assets | $152,937,500 | 3,462 |
| Average equity | $14,455,000 | 3,958 |
| Average total loans | $137,608,500 | 2,767 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7380% | 1,475 |
| Cost of funding earning assets | 0.8053% | 1,188 |
| Net interest margin | 3.9327% | 2,165 |
| Noninterest income to average assets | 7.1223% | 91 |
| Noninterest expense to average assets | 8.2025% | 115 |
| Loan and lease loss provision to assets | 0.4520% | 636 |
| Net operating income to assets | 1.5459% | 760 |
| Return on assets (ROA) | 1.5459% | 790 |
| Pretax return on assets | 2.2794% | 274 |
| Return on Equity (ROE) | 18.1680% | 395 |
| Retained earnings to average equity (ytd only) | 16.7327% | 132 |
| Net charge-offs to loans | 0.5540% | 1,194 |
| Credit loss provision to net charge-offs | 95.8449% | 2,606 |
| Earnings coverage of net charge-offs (x) | 5.7922% | 3,216 |
| Efficiency ratio | 75.0194% | 2,946 |
| Assets per employee ($millions) | 1.8818% | 6,662 |
| Cash dividends to net income (ytd only)* | 7.9003% | 4,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8537% | 6,047 |
| Loan loss allowance to noncurrent loans | 191.1003% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 5,095 |
| Noncurrent loans to loans | 0.4468% | 4,883 |
| Net loans and leases to total assets | 85.7430% | 166 |
| Net loans and leases to deposits | 99.2496% | 516 |
| Net loans and leases to core deposits | 128.8444% | 206 |
| Total domestic deposits to total assets | 86.3913% | 3,050 |
| Equity capital to assets | 9.0394% | 4,986 |
| Core capital (leverage) ratio | 9.2154% | 4,699 |
| Tier 1 risk-based capital ratio | 11.4027% | 5,962 |
| Total risk-based capital ratio | 12.3462% | 6,072 |
| Memoranda: | ||
| Average total assets | $153,111,600 | 3,656 |
| Average earning assets | $148,396,800 | 3,534 |
| Average equity | $13,028,400 | 4,260 |
| Average total loans | $130,318,400 | 2,863 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6594% | 1,723 |
| Cost of funding earning assets | 0.8261% | 1,182 |
| Net interest margin | 3.8333% | 2,526 |
| Noninterest income to average assets | 7.9267% | 83 |
| Noninterest expense to average assets | 8.3925% | 106 |
| Loan and lease loss provision to assets | 0.3787% | 818 |
| Net operating income to assets | 1.9691% | 382 |
| Return on assets (ROA) | 1.9691% | 392 |
| Pretax return on assets | 2.8700% | 158 |
| Return on Equity (ROE) | 23.5287% | 150 |
| Retained earnings to average equity (ytd only) | 23.5287% | 57 |
| Net charge-offs to loans | 0.3180% | 1,952 |
| Credit loss provision to net charge-offs | 140.5229% | 1,674 |
| Earnings coverage of net charge-offs (x) | 12.0555% | 2,178 |
| Efficiency ratio | 72.0932% | 3,386 |
| Assets per employee ($millions) | 1.8756% | 6,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9899% | 5,769 |
| Loan loss allowance to noncurrent loans | 351.3158% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 5,710 |
| Noncurrent loans to loans | 0.2818% | 5,523 |
| Net loans and leases to total assets | 85.7706% | 161 |
| Net loans and leases to deposits | 98.8247% | 525 |
| Net loans and leases to core deposits | 134.0582% | 150 |
| Total domestic deposits to total assets | 86.7907% | 2,809 |
| Equity capital to assets | 9.2569% | 4,851 |
| Core capital (leverage) ratio | 9.3367% | 4,637 |
| Tier 1 risk-based capital ratio | 11.8094% | 5,896 |
| Total risk-based capital ratio | 12.9205% | 5,926 |
| Memoranda: | ||
| Average total assets | $151,400,500 | 3,714 |
| Average earning assets | $146,709,750 | 3,595 |
| Average equity | $12,670,750 | 4,369 |
| Average total loans | $128,315,000 | 2,908 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5864% | 1,891 |
| Cost of funding earning assets | 0.8240% | 1,287 |
| Net interest margin | 3.7624% | 2,707 |
| Noninterest income to average assets | 8.4228% | 84 |
| Noninterest expense to average assets | 9.3936% | 92 |
| Loan and lease loss provision to assets | 0.4747% | 595 |
| Net operating income to assets | 1.4536% | 978 |
| Return on assets (ROA) | 1.4536% | 1,052 |
| Pretax return on assets | 2.2017% | 413 |
| Return on Equity (ROE) | 18.0304% | 454 |
| Retained earnings to average equity (ytd only) | 18.0304% | 124 |
| Net charge-offs to loans | 0.4884% | 1,343 |
| Credit loss provision to net charge-offs | 115.5844% | 1,914 |
| Earnings coverage of net charge-offs (x) | 6.5162% | 2,706 |
| Efficiency ratio | 77.8257% | 2,489 |
| Assets per employee ($millions) | 1.8315% | 6,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 5,860 |
| Loan loss allowance to noncurrent loans | 317.1285% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 5,705 |
| Noncurrent loans to loans | 0.3126% | 5,515 |
| Net loans and leases to total assets | 82.7152% | 313 |
| Net loans and leases to deposits | 91.1342% | 1,041 |
| Net loans and leases to core deposits | 121.7886% | 293 |
| Total domestic deposits to total assets | 90.7619% | 641 |
| Equity capital to assets | 8.7171% | 5,528 |
| Core capital (leverage) ratio | 8.6693% | 5,463 |
| Tier 1 risk-based capital ratio | 11.4455% | 6,141 |
| Total risk-based capital ratio | 12.5469% | 6,170 |
| Memoranda: | ||
| Average total assets | $149,974,670 | 3,771 |
| Average earning assets | $145,385,000 | 3,638 |
| Average equity | $12,090,670 | 4,513 |
| Average total loans | $126,133,000 | 2,951 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4532% | 2,337 |
| Cost of funding earning assets | 0.8142% | 1,452 |
| Net interest margin | 3.6390% | 3,112 |
| Noninterest income to average assets | 8.4132% | 83 |
| Noninterest expense to average assets | 8.5448% | 108 |
| Loan and lease loss provision to assets | 0.6552% | 367 |
| Net operating income to assets | 1.9603% | 368 |
| Return on assets (ROA) | 1.9603% | 397 |
| Pretax return on assets | 2.7417% | 201 |
| Return on Equity (ROE) | 25.3681% | 119 |
| Retained earnings to average equity (ytd only) | 25.3681% | 63 |
| Net charge-offs to loans | 0.6587% | 929 |
| Credit loss provision to net charge-offs | 117.8744% | 1,621 |
| Earnings coverage of net charge-offs (x) | 6.1111% | 2,275 |
| Efficiency ratio | 71.5539% | 3,693 |
| Assets per employee ($millions) | 1.8659% | 6,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 5,938 |
| Loan loss allowance to noncurrent loans | 378.1818% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 5,916 |
| Noncurrent loans to loans | 0.2681% | 5,738 |
| Net loans and leases to total assets | 79.6199% | 457 |
| Net loans and leases to deposits | 86.4037% | 1,304 |
| Net loans and leases to core deposits | 114.5673% | 376 |
| Total domestic deposits to total assets | 92.1487% | 223 |
| Equity capital to assets | 7.7611% | 6,496 |
| Core capital (leverage) ratio | 8.1329% | 6,011 |
| Tier 1 risk-based capital ratio | 10.6279% | 6,543 |
| Total risk-based capital ratio | 11.7632% | 6,554 |
| Memoranda: | ||
| Average total assets | $148,956,000 | 3,832 |
| Average earning assets | $144,434,000 | 3,687 |
| Average equity | $11,510,500 | 4,670 |
| Average total loans | $125,701,500 | 2,974 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9133% | 1,794 |
| Cost of funding earning assets | 0.9101% | 1,881 |
| Net interest margin | 4.0032% | 2,377 |
| Noninterest income to average assets | 10.3724% | 68 |
| Noninterest expense to average assets | 9.7629% | 85 |
| Loan and lease loss provision to assets | 0.1794% | 3,383 |
| Net operating income to assets | 3.5237% | 77 |
| Return on assets (ROA) | 3.5237% | 76 |
| Pretax return on assets | 4.3353% | 69 |
| Return on Equity (ROE) | 43.1868% | 21 |
| Retained earnings to average equity (ytd only) | 41.6948% | 8 |
| Net charge-offs to loans | 0.2487% | 3,449 |
| Credit loss provision to net charge-offs | 82.7715% | 3,733 |
| Earnings coverage of net charge-offs (x) | 20.8352% | 1,333 |
| Efficiency ratio | 68.3795% | 4,073 |
| Assets per employee ($millions) | 1.7458% | 6,956 |
| Cash dividends to net income (ytd only)* | 3.4546% | 4,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9437% | 6,148 |
| Loan loss allowance to noncurrent loans | 1,376.1364% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 6,466 |
| Noncurrent loans to loans | 0.0686% | 6,318 |
| Net loans and leases to total assets | 87.7264% | 89 |
| Net loans and leases to deposits | 100.9618% | 377 |
| Net loans and leases to core deposits | 126.4171% | 217 |
| Total domestic deposits to total assets | 86.8907% | 2,894 |
| Equity capital to assets | 7.6919% | 6,558 |
| Core capital (leverage) ratio | 8.0378% | 6,158 |
| Tier 1 risk-based capital ratio | 10.0325% | 6,690 |
| Total risk-based capital ratio | 11.1427% | 6,692 |
| Memoranda: | ||
| Average total assets | $123,221,400 | 4,286 |
| Average earning assets | $120,204,400 | 4,108 |
| Average equity | $10,054,000 | 4,971 |
| Average total loans | $107,345,400 | 3,347 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9354% | 1,878 |
| Cost of funding earning assets | 0.9354% | 1,954 |
| Net interest margin | 4.0000% | 2,499 |
| Noninterest income to average assets | 9.9114% | 73 |
| Noninterest expense to average assets | 9.2357% | 90 |
| Loan and lease loss provision to assets | 0.2026% | 3,055 |
| Net operating income to assets | 4.3790% | 56 |
| Return on assets (ROA) | 4.3790% | 57 |
| Pretax return on assets | 4.3790% | 71 |
| Return on Equity (ROE) | 52.7404% | 11 |
| Retained earnings to average equity (ytd only) | 52.7404% | 4 |
| Net charge-offs to loans | 0.1175% | 4,203 |
| Credit loss provision to net charge-offs | 198.8889% | 1,398 |
| Earnings coverage of net charge-offs (x) | 44.9767% | 812 |
| Efficiency ratio | 66.8414% | 4,281 |
| Assets per employee ($millions) | 1.8530% | 7,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 5,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 6,527 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 88.0690% | 93 |
| Net loans and leases to deposits | 103.1688% | 305 |
| Net loans and leases to core deposits | 129.9193% | 192 |
| Total domestic deposits to total assets | 85.3639% | 3,581 |
| Equity capital to assets | 8.9007% | 5,920 |
| Core capital (leverage) ratio | 9.4148% | 4,407 |
| Tier 1 risk-based capital ratio | 11.7068% | 6,107 |
| Total risk-based capital ratio | 12.9589% | 6,091 |
| Memoranda: | ||
| Average total assets | $117,800,500 | 4,451 |
| Average earning assets | $115,030,500 | 4,264 |
| Average equity | $9,781,000 | 5,080 |
| Average total loans | $102,099,000 | 3,510 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9817% | 1,837 |
| Cost of funding earning assets | 0.9677% | 1,947 |
| Net interest margin | 4.0141% | 2,442 |
| Noninterest income to average assets | 9.1905% | 75 |
| Noninterest expense to average assets | 8.8210% | 97 |
| Loan and lease loss provision to assets | 0.1954% | 3,129 |
| Net operating income to assets | 4.1014% | 63 |
| Return on assets (ROA) | 4.1014% | 63 |
| Pretax return on assets | 4.1014% | 79 |
| Return on Equity (ROE) | 50.8422% | 19 |
| Retained earnings to average equity (ytd only) | 50.8422% | 10 |
| Net charge-offs to loans | 0.1326% | 3,867 |
| Credit loss provision to net charge-offs | 171.8750% | 1,635 |
| Earnings coverage of net charge-offs (x) | 37.7969% | 915 |
| Efficiency ratio | 67.2444% | 4,280 |
| Assets per employee ($millions) | 1.6796% | 7,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 5,193 |
| Loan loss allowance to noncurrent loans | 527.9352% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.3096% | 5,989 |
| Noncurrent loans to loans | 0.2336% | 6,107 |
| Net loans and leases to total assets | 88.8274% | 60 |
| Net loans and leases to deposits | 97.6603% | 547 |
| Net loans and leases to core deposits | 123.3911% | 263 |
| Total domestic deposits to total assets | 90.9554% | 463 |
| Equity capital to assets | 8.7792% | 5,939 |
| Core capital (leverage) ratio | 8.7966% | 5,219 |
| Tier 1 risk-based capital ratio | 11.0366% | 6,478 |
| Total risk-based capital ratio | 12.2899% | 6,450 |
| Memoranda: | ||
| Average total assets | $112,595,000 | 4,602 |
| Average earning assets | $110,162,670 | 4,408 |
| Average equity | $9,083,000 | 5,243 |
| Average total loans | $96,516,670 | 3,656 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9350% | 2,113 |
| Cost of funding earning assets | 0.9944% | 2,014 |
| Net interest margin | 3.9406% | 2,762 |
| Noninterest income to average assets | 7.8615% | 88 |
| Noninterest expense to average assets | 8.4646% | 105 |
| Loan and lease loss provision to assets | 0.0363% | 4,927 |
| Net operating income to assets | 3.2187% | 89 |
| Return on assets (ROA) | 3.2187% | 102 |
| Pretax return on assets | 3.2187% | 151 |
| Return on Equity (ROE) | 41.8739% | 45 |
| Retained earnings to average equity (ytd only) | 41.8739% | 29 |
| Net charge-offs to loans | 0.1262% | 3,352 |
| Credit loss provision to net charge-offs | 34.4828% | 3,546 |
| Earnings coverage of net charge-offs (x) | 30.8966% | 901 |
| Efficiency ratio | 72.2257% | 3,396 |
| Assets per employee ($millions) | 1.6621% | 7,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 4,906 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 6,620 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 81.5714% | 298 |
| Net loans and leases to deposits | 88.6820% | 1,089 |
| Net loans and leases to core deposits | 113.2260% | 444 |
| Total domestic deposits to total assets | 91.9820% | 262 |
| Equity capital to assets | 7.8818% | 6,594 |
| Core capital (leverage) ratio | 7.9251% | 6,317 |
| Tier 1 risk-based capital ratio | 10.4952% | 6,739 |
| Total risk-based capital ratio | 11.7479% | 6,730 |
| Memoranda: | ||
| Average total assets | $110,106,000 | 4,707 |
| Average earning assets | $107,801,500 | 4,492 |
| Average equity | $8,463,500 | 5,444 |
| Average total loans | $91,904,500 | 3,784 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2183% | 1,995 |
| Cost of funding earning assets | 1.2228% | 1,883 |
| Net interest margin | 3.9955% | 2,905 |
| Noninterest income to average assets | 5.4241% | 110 |
| Noninterest expense to average assets | 7.2677% | 129 |
| Loan and lease loss provision to assets | 0.0874% | 5,496 |
| Net operating income to assets | 1.9203% | 365 |
| Return on assets (ROA) | 1.9203% | 392 |
| Pretax return on assets | 1.9203% | 638 |
| Return on Equity (ROE) | 26.5774% | 82 |
| Retained earnings to average equity (ytd only) | 26.5774% | 19 |
| Net charge-offs to loans | 0.1752% | 4,746 |
| Credit loss provision to net charge-offs | 62.1212% | 5,116 |
| Earnings coverage of net charge-offs (x) | 14.2727% | 1,470 |
| Efficiency ratio | 78.3548% | 2,547 |
| Assets per employee ($millions) | 1.6749% | 7,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 4,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 6,668 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 83.1415% | 268 |
| Net loans and leases to deposits | 90.0267% | 1,156 |
| Net loans and leases to core deposits | 116.9475% | 423 |
| Total domestic deposits to total assets | 92.3520% | 192 |
| Equity capital to assets | 7.4810% | 6,816 |
| Core capital (leverage) ratio | 7.5094% | 6,646 |
| Tier 1 risk-based capital ratio | 9.7496% | 6,913 |
| Total risk-based capital ratio | 11.0036% | 6,903 |
| Memoranda: | ||
| Average total assets | $93,839,800 | 5,075 |
| Average earning assets | $90,451,600 | 4,920 |
| Average equity | $6,780,200 | 5,934 |
| Average total loans | $75,353,800 | 4,297 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1654% | 2,326 |
| Cost of funding earning assets | 1.2821% | 1,804 |
| Net interest margin | 3.8833% | 3,466 |
| Noninterest income to average assets | 4.3004% | 143 |
| Noninterest expense to average assets | 6.7607% | 148 |
| Loan and lease loss provision to assets | 0.1783% | 4,249 |
| Net operating income to assets | 1.0872% | 2,020 |
| Return on assets (ROA) | 1.0872% | 2,163 |
| Pretax return on assets | 1.0872% | 3,064 |
| Return on Equity (ROE) | 15.2072% | 807 |
| Retained earnings to average equity (ytd only) | 15.2072% | 219 |
| Net charge-offs to loans | 0.1937% | 4,253 |
| Credit loss provision to net charge-offs | 116.3462% | 2,810 |
| Earnings coverage of net charge-offs (x) | 8.2598% | 2,207 |
| Efficiency ratio | 84.2327% | 1,710 |
| Assets per employee ($millions) | 1.7021% | 7,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 3,974 |
| Loan loss allowance to noncurrent loans | 807.3171% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 6,327 |
| Noncurrent loans to loans | 0.1891% | 6,490 |
| Net loans and leases to total assets | 86.4955% | 119 |
| Net loans and leases to deposits | 97.3649% | 615 |
| Net loans and leases to core deposits | 131.3445% | 233 |
| Total domestic deposits to total assets | 88.8364% | 1,524 |
| Equity capital to assets | 7.0602% | 7,045 |
| Core capital (leverage) ratio | 7.7274% | 6,612 |
| Tier 1 risk-based capital ratio | 8.5862% | 7,149 |
| Total risk-based capital ratio | 9.8360% | 7,153 |
| Memoranda: | ||
| Average total assets | $90,501,750 | 5,210 |
| Average earning assets | $86,831,750 | 5,068 |
| Average equity | $6,470,500 | 6,065 |
| Average total loans | $71,597,750 | 4,474 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1875% | 2,309 |
| Cost of funding earning assets | 1.3765% | 1,519 |
| Net interest margin | 3.8110% | 3,726 |
| Noninterest income to average assets | 4.1453% | 163 |
| Noninterest expense to average assets | 7.0532% | 139 |
| Loan and lease loss provision to assets | 0.2302% | 3,608 |
| Net operating income to assets | 0.5150% | 4,436 |
| Return on assets (ROA) | 0.5150% | 4,577 |
| Pretax return on assets | 0.5150% | 5,008 |
| Return on Equity (ROE) | 7.1701% | 3,365 |
| Retained earnings to average equity (ytd only) | 7.1701% | 1,800 |
| Net charge-offs to loans | 0.3125% | 3,315 |
| Credit loss provision to net charge-offs | 97.1154% | 3,246 |
| Earnings coverage of net charge-offs (x) | 3.1442% | 3,286 |
| Efficiency ratio | 90.4442% | 1,212 |
| Assets per employee ($millions) | 1.6092% | 7,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9244% | 2,592 |
| Loan loss allowance to noncurrent loans | 795.1220% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 6,106 |
| Noncurrent loans to loans | 0.2420% | 6,439 |
| Net loans and leases to total assets | 76.4790% | 1,006 |
| Net loans and leases to deposits | 82.7014% | 2,335 |
| Net loans and leases to core deposits | 114.8144% | 556 |
| Total domestic deposits to total assets | 92.4761% | 162 |
| Equity capital to assets | 7.4341% | 6,976 |
| Core capital (leverage) ratio | 7.1143% | 6,950 |
| Tier 1 risk-based capital ratio | 9.1844% | 7,155 |
| Total risk-based capital ratio | 10.4426% | 7,153 |
| Memoranda: | ||
| Average total assets | $87,761,330 | 5,319 |
| Average earning assets | $84,125,330 | 5,193 |
| Average equity | $6,304,000 | 6,141 |
| Average total loans | $66,558,670 | 4,701 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0851% | 2,715 |
| Cost of funding earning assets | 1.4138% | 1,545 |
| Net interest margin | 3.6713% | 4,243 |
| Noninterest income to average assets | 3.7282% | 176 |
| Noninterest expense to average assets | 7.0617% | 145 |
| Loan and lease loss provision to assets | 0.1043% | 4,707 |
| Net operating income to assets | 0.1542% | 5,929 |
| Return on assets (ROA) | 0.1542% | 5,988 |
| Pretax return on assets | 0.1542% | 6,044 |
| Return on Equity (ROE) | 2.1844% | 5,723 |
| Retained earnings to average equity (ytd only) | 2.1844% | 4,833 |
| Net charge-offs to loans | 0.4791% | 2,275 |
| Credit loss provision to net charge-offs | 29.1139% | 4,132 |
| Earnings coverage of net charge-offs (x) | 0.7215% | 4,094 |
| Efficiency ratio | 96.4684% | 895 |
| Assets per employee ($millions) | 1.5034% | 7,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9394% | 2,569 |
| Loan loss allowance to noncurrent loans | 210.9612% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.7948% | 5,322 |
| Noncurrent loans to loans | 0.9193% | 5,198 |
| Net loans and leases to total assets | 70.1206% | 2,104 |
| Net loans and leases to deposits | 75.5133% | 3,491 |
| Net loans and leases to core deposits | 104.0534% | 1,058 |
| Total domestic deposits to total assets | 92.8586% | 146 |
| Equity capital to assets | 6.9264% | 7,101 |
| Core capital (leverage) ratio | 6.7121% | 7,112 |
| Tier 1 risk-based capital ratio | 9.3332% | 7,181 |
| Total risk-based capital ratio | 10.5922% | 7,184 |
| Memoranda: | ||
| Average total assets | $88,193,500 | 5,348 |
| Average earning assets | $86,291,500 | 5,152 |
| Average equity | $6,226,000 | 6,174 |
| Average total loans | $65,957,000 | 4,771 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0278% | 800 |
| Cost of funding earning assets | 1.4655% | 2,849 |
| Net interest margin | 4.5623% | 1,103 |
| Noninterest income to average assets | 2.0171% | 390 |
| Noninterest expense to average assets | 5.8881% | 245 |
| Loan and lease loss provision to assets | 1.2424% | 1,249 |
| Net operating income to assets | -0.6579% | 6,489 |
| Return on assets (ROA) | -0.6534% | 6,518 |
| Pretax return on assets | -0.6534% | 6,431 |
| Return on Equity (ROE) | -7.8271% | 6,611 |
| Retained earnings to average equity (ytd only) | -7.8271% | 6,522 |
| Net charge-offs to loans | 0.9565% | 2,263 |
| Credit loss provision to net charge-offs | 154.9533% | 2,283 |
| Earnings coverage of net charge-offs (x) | 0.7290% | 5,392 |
| Efficiency ratio | 90.2524% | 1,304 |
| Assets per employee ($millions) | 1.4364% | 7,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9389% | 2,448 |
| Loan loss allowance to noncurrent loans | 220.0337% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.8331% | 5,336 |
| Noncurrent loans to loans | 0.8812% | 5,305 |
| Net loans and leases to total assets | 76.7025% | 1,142 |
| Net loans and leases to deposits | 82.9856% | 2,634 |
| Net loans and leases to core deposits | 113.1416% | 769 |
| Total domestic deposits to total assets | 92.4287% | 199 |
| Equity capital to assets | 7.1988% | 7,039 |
| Core capital (leverage) ratio | 7.1550% | 6,938 |
| Tier 1 risk-based capital ratio | 9.0840% | 7,229 |
| Total risk-based capital ratio | 10.3442% | 7,232 |
| Memoranda: | ||
| Average total assets | $66,728,000 | 5,971 |
| Average earning assets | $65,165,200 | 5,824 |
| Average equity | $5,570,400 | 6,491 |
| Average total loans | $55,934,800 | 5,239 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8724% | 1,201 |
| Cost of funding earning assets | 1.4653% | 3,181 |
| Net interest margin | 4.4071% | 1,503 |
| Noninterest income to average assets | 0.7845% | 2,308 |
| Noninterest expense to average assets | 4.4720% | 621 |
| Loan and lease loss provision to assets | 1.4849% | 902 |
| Net operating income to assets | -0.8685% | 6,827 |
| Return on assets (ROA) | -0.8621% | 6,864 |
| Pretax return on assets | -0.8621% | 6,779 |
| Return on Equity (ROE) | -9.8544% | 6,922 |
| Retained earnings to average equity (ytd only) | -9.8544% | 6,871 |
| Net charge-offs to loans | 0.9246% | 2,148 |
| Credit loss provision to net charge-offs | 187.2283% | 1,927 |
| Earnings coverage of net charge-offs (x) | 0.7772% | 5,284 |
| Efficiency ratio | 87.8865% | 1,454 |
| Assets per employee ($millions) | 1.3726% | 7,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2380% | 1,727 |
| Loan loss allowance to noncurrent loans | 223.0769% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 1.0314% | 5,040 |
| Noncurrent loans to loans | 1.0032% | 5,229 |
| Net loans and leases to total assets | 83.2436% | 387 |
| Net loans and leases to deposits | 90.8188% | 1,605 |
| Net loans and leases to core deposits | 120.9310% | 580 |
| Total domestic deposits to total assets | 91.6589% | 263 |
| Equity capital to assets | 7.8097% | 6,926 |
| Core capital (leverage) ratio | 7.9365% | 6,428 |
| Tier 1 risk-based capital ratio | 9.0464% | 7,355 |
| Total risk-based capital ratio | 10.3117% | 7,367 |
| Memoranda: | ||
| Average total assets | $61,864,750 | 6,197 |
| Average earning assets | $60,416,750 | 6,049 |
| Average equity | $5,412,000 | 6,616 |
| Average total loans | $53,066,000 | 5,435 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7955% | 1,439 |
| Cost of funding earning assets | 1.4714% | 3,418 |
| Net interest margin | 4.3241% | 1,689 |
| Noninterest income to average assets | 0.5275% | 3,895 |
| Noninterest expense to average assets | 4.0066% | 1,040 |
| Loan and lease loss provision to assets | 0.7844% | 1,832 |
| Net operating income to assets | -0.0406% | 6,135 |
| Return on assets (ROA) | -0.0304% | 6,207 |
| Pretax return on assets | -0.0304% | 6,180 |
| Return on Equity (ROE) | -0.3337% | 6,219 |
| Retained earnings to average equity (ytd only) | -0.3337% | 5,800 |
| Net charge-offs to loans | 0.7743% | 2,308 |
| Credit loss provision to net charge-offs | 117.7665% | 3,449 |
| Earnings coverage of net charge-offs (x) | 1.1168% | 4,675 |
| Efficiency ratio | 84.3416% | 1,880 |
| Assets per employee ($millions) | 4.6564% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9080% | 2,390 |
| Loan loss allowance to noncurrent loans | 134.7044% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 1.3836% | 4,407 |
| Noncurrent loans to loans | 1.4165% | 4,585 |
| Net loans and leases to total assets | 82.6476% | 473 |
| Net loans and leases to deposits | 91.2429% | 1,658 |
| Net loans and leases to core deposits | 124.9490% | 547 |
| Total domestic deposits to total assets | 90.5798% | 651 |
| Equity capital to assets | 8.9753% | 5,491 |
| Core capital (leverage) ratio | 9.1596% | 4,360 |
| Tier 1 risk-based capital ratio | 10.3387% | 6,808 |
| Total risk-based capital ratio | 11.6017% | 6,780 |
| Memoranda: | ||
| Average total assets | $59,152,000 | 6,344 |
| Average earning assets | $57,769,000 | 6,179 |
| Average equity | $5,393,670 | 6,649 |
| Average total loans | $50,885,670 | 5,570 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6838% | 1,839 |
| Cost of funding earning assets | 1.4957% | 3,589 |
| Net interest margin | 4.1881% | 2,088 |
| Noninterest income to average assets | 0.3064% | 5,689 |
| Noninterest expense to average assets | 3.5416% | 1,876 |
| Loan and lease loss provision to assets | 0.5843% | 2,165 |
| Net operating income to assets | 0.2708% | 5,418 |
| Return on assets (ROA) | 0.2922% | 5,457 |
| Pretax return on assets | 0.2922% | 5,624 |
| Return on Equity (ROE) | 3.1752% | 5,263 |
| Retained earnings to average equity (ytd only) | 3.1752% | 4,239 |
| Net charge-offs to loans | -0.0246% | 7,125 |
| Credit loss provision to net charge-offs | -2,733.3333% | 6,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5511% | 2,481 |
| Assets per employee ($millions) | 4.4547% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1210% | 1,911 |
| Loan loss allowance to noncurrent loans | 176.8116% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 1.2865% | 4,603 |
| Noncurrent loans to loans | 1.1996% | 4,961 |
| Net loans and leases to total assets | 87.4946% | 147 |
| Net loans and leases to deposits | 97.7996% | 924 |
| Net loans and leases to core deposits | 118.5517% | 848 |
| Total domestic deposits to total assets | 89.4631% | 1,260 |
| Equity capital to assets | 10.1069% | 3,740 |
| Core capital (leverage) ratio | 10.2742% | 2,839 |
| Tier 1 risk-based capital ratio | 10.9294% | 6,221 |
| Total risk-based capital ratio | 12.1904% | 6,193 |
| Memoranda: | ||
| Average total assets | $56,133,000 | 6,527 |
| Average earning assets | $54,822,000 | 6,364 |
| Average equity | $5,165,000 | 6,796 |
| Average total loans | $48,865,500 | 5,716 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5141% | 4,068 |
| Cost of funding earning assets | 1.7555% | 4,224 |
| Net interest margin | 3.7586% | 3,880 |
| Noninterest income to average assets | 0.3595% | 5,516 |
| Noninterest expense to average assets | 3.9659% | 1,410 |
| Loan and lease loss provision to assets | 1.0808% | 2,114 |
| Net operating income to assets | -1.0250% | 6,588 |
| Return on assets (ROA) | -1.0250% | 6,591 |
| Pretax return on assets | -1.0250% | 6,425 |
| Return on Equity (ROE) | -9.8718% | 6,617 |
| Retained earnings to average equity (ytd only) | -9.8718% | 6,510 |
| Net charge-offs to loans | 1.1543% | 2,119 |
| Credit loss provision to net charge-offs | 111.7783% | 4,910 |
| Earnings coverage of net charge-offs (x) | 0.0577% | 6,116 |
| Efficiency ratio | 98.6119% | 1,173 |
| Assets per employee ($millions) | 3.8825% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2039% | 1,647 |
| Loan loss allowance to noncurrent loans | 180.2491% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 1.2621% | 4,563 |
| Noncurrent loans to loans | 1.2227% | 4,912 |
| Net loans and leases to total assets | 82.6989% | 575 |
| Net loans and leases to deposits | 90.6087% | 2,122 |
| Net loans and leases to core deposits | 124.7288% | 1,590 |
| Total domestic deposits to total assets | 91.2704% | 445 |
| Equity capital to assets | 8.2366% | 6,293 |
| Core capital (leverage) ratio | 8.8183% | 4,742 |
| Tier 1 risk-based capital ratio | 9.3865% | 7,284 |
| Total risk-based capital ratio | 10.6472% | 7,264 |
| Memoranda: | ||
| Average total assets | $44,781,400 | 6,919 |
| Average earning assets | $43,633,200 | 6,778 |
| Average equity | $4,649,600 | 7,065 |
| Average total loans | $37,513,000 | 6,223 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5382% | 4,225 |
| Cost of funding earning assets | 1.9064% | 3,850 |
| Net interest margin | 3.6318% | 4,366 |
| Noninterest income to average assets | 0.3869% | 5,419 |
| Noninterest expense to average assets | 3.9884% | 1,292 |
| Loan and lease loss provision to assets | 1.1670% | 1,664 |
| Net operating income to assets | -1.2330% | 6,977 |
| Return on assets (ROA) | -1.2330% | 6,983 |
| Pretax return on assets | -1.2330% | 6,830 |
| Return on Equity (ROE) | -11.1374% | 6,965 |
| Retained earnings to average equity (ytd only) | -11.1374% | 6,892 |
| Net charge-offs to loans | 0.7533% | 2,476 |
| Credit loss provision to net charge-offs | 185.5000% | 2,454 |
| Earnings coverage of net charge-offs (x) | -0.1050% | 6,190 |
| Efficiency ratio | 101.6840% | 989 |
| Assets per employee ($millions) | 4.1489% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8365% | 764 |
| Loan loss allowance to noncurrent loans | 224.3564% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 1.1065% | 4,865 |
| Noncurrent loans to loans | 1.2643% | 4,831 |
| Net loans and leases to total assets | 85.0410% | 434 |
| Net loans and leases to deposits | 94.6079% | 1,777 |
| Net loans and leases to core deposits | 117.3885% | 2,476 |
| Total domestic deposits to total assets | 89.8878% | 814 |
| Equity capital to assets | 9.9457% | 4,158 |
| Core capital (leverage) ratio | 9.9440% | 3,348 |
| Tier 1 risk-based capital ratio | 11.0934% | 5,858 |
| Total risk-based capital ratio | 12.3636% | 5,795 |
| Memoranda: | ||
| Average total assets | $42,388,000 | 7,065 |
| Average earning assets | $41,263,750 | 6,946 |
| Average equity | $4,692,750 | 7,113 |
| Average total loans | $35,400,250 | 6,383 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4510% | 4,892 |
| Cost of funding earning assets | 2.0965% | 3,284 |
| Net interest margin | 3.3545% | 5,339 |
| Noninterest income to average assets | 0.4067% | 5,226 |
| Noninterest expense to average assets | 3.9753% | 1,358 |
| Loan and lease loss provision to assets | 1.5349% | 1,111 |
| Net operating income to assets | -1.8497% | 7,382 |
| Return on assets (ROA) | -1.8497% | 7,379 |
| Pretax return on assets | -1.8497% | 7,232 |
| Return on Equity (ROE) | -16.1046% | 7,384 |
| Retained earnings to average equity (ytd only) | -16.1046% | 7,302 |
| Net charge-offs to loans | 1.1450% | 1,592 |
| Credit loss provision to net charge-offs | 163.4021% | 2,811 |
| Earnings coverage of net charge-offs (x) | -0.3351% | 5,979 |
| Efficiency ratio | 108.5979% | 889 |
| Assets per employee ($millions) | 4.0420% | 3,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9651% | 585 |
| Loan loss allowance to noncurrent loans | 236.8996% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 1.0301% | 4,911 |
| Noncurrent loans to loans | 1.2516% | 4,704 |
| Net loans and leases to total assets | 79.8592% | 1,339 |
| Net loans and leases to deposits | 89.1620% | 2,962 |
| Net loans and leases to core deposits | 107.7733% | 3,633 |
| Total domestic deposits to total assets | 89.5664% | 1,014 |
| Equity capital to assets | 10.1862% | 3,735 |
| Core capital (leverage) ratio | 10.2109% | 3,083 |
| Tier 1 risk-based capital ratio | 12.2809% | 4,692 |
| Total risk-based capital ratio | 13.5783% | 4,577 |
| Memoranda: | ||
| Average total assets | $41,304,670 | 7,157 |
| Average earning assets | $40,066,000 | 7,051 |
| Average equity | $4,744,000 | 7,154 |
| Average total loans | $33,885,670 | 6,508 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7546% | 3,506 |
| Cost of funding earning assets | 2.3332% | 2,564 |
| Net interest margin | 3.4214% | 5,047 |
| Noninterest income to average assets | 0.4632% | 4,647 |
| Noninterest expense to average assets | 3.8564% | 1,376 |
| Loan and lease loss provision to assets | 0.8257% | 1,570 |
| Net operating income to assets | -0.9263% | 7,212 |
| Return on assets (ROA) | -0.9263% | 7,239 |
| Pretax return on assets | -0.9263% | 7,112 |
| Return on Equity (ROE) | -7.5853% | 7,201 |
| Retained earnings to average equity (ytd only) | -7.5853% | 6,863 |
| Net charge-offs to loans | -0.0738% | 7,805 |
| Credit loss provision to net charge-offs | -1,366.6667% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6810% | 1,026 |
| Assets per employee ($millions) | 3.9156% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1079% | 440 |
| Loan loss allowance to noncurrent loans | 329.1536% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.7406% | 5,312 |
| Noncurrent loans to loans | 0.9442% | 5,109 |
| Net loans and leases to total assets | 76.0007% | 2,266 |
| Net loans and leases to deposits | 85.7790% | 3,671 |
| Net loans and leases to core deposits | 103.2780% | 4,217 |
| Total domestic deposits to total assets | 88.6005% | 1,424 |
| Equity capital to assets | 11.1557% | 2,845 |
| Core capital (leverage) ratio | 12.0713% | 1,870 |
| Tier 1 risk-based capital ratio | 14.0775% | 3,535 |
| Total risk-based capital ratio | 15.3500% | 3,457 |
| Memoranda: | ||
| Average total assets | $39,726,000 | 7,266 |
| Average earning assets | $38,230,500 | 7,159 |
| Average equity | $4,851,500 | 7,171 |
| Average total loans | $32,532,500 | 6,616 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6774% | 6,845 |
| Cost of funding earning assets | 2.6701% | 3,316 |
| Net interest margin | 3.0074% | 6,888 |
| Noninterest income to average assets | 0.4411% | 5,107 |
| Noninterest expense to average assets | 4.2768% | 1,074 |
| Loan and lease loss provision to assets | 2.3206% | 479 |
| Net operating income to assets | -3.2494% | 7,878 |
| Return on assets (ROA) | -3.2494% | 7,856 |
| Pretax return on assets | -3.2494% | 7,772 |
| Return on Equity (ROE) | -21.0949% | 7,783 |
| Retained earnings to average equity (ytd only) | -21.0949% | 7,706 |
| Net charge-offs to loans | 0.3707% | 2,988 |
| Credit loss provision to net charge-offs | 847.0000% | 522 |
| Earnings coverage of net charge-offs (x) | -3.3900% | 6,787 |
| Efficiency ratio | 127.7414% | 487 |
| Assets per employee ($millions) | 3.6380% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0754% | 410 |
| Loan loss allowance to noncurrent loans | 157.7049% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 1.6767% | 2,900 |
| Noncurrent loans to loans | 1.9501% | 2,830 |
| Net loans and leases to total assets | 83.3370% | 986 |
| Net loans and leases to deposits | 96.6434% | 2,347 |
| Net loans and leases to core deposits | 117.6119% | 2,936 |
| Total domestic deposits to total assets | 86.2314% | 2,298 |
| Equity capital to assets | 13.4634% | 1,608 |
| Core capital (leverage) ratio | 13.4059% | 1,411 |
| Tier 1 risk-based capital ratio | 15.5652% | 2,821 |
| Total risk-based capital ratio | 16.8331% | 2,744 |
| Memoranda: | ||
| Average total assets | $36,499,200 | 7,361 |
| Average earning assets | $35,280,000 | 7,271 |
| Average equity | $5,622,200 | 6,939 |
| Average total loans | $26,974,400 | 6,898 |