Home > The Morris Plan Company of Terre Haute, Inc. > Performance and Condition Ratios
The Morris Plan Company of Terre Haute, Inc., Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.0802% | 13 |
| Cost of funding earning assets | 0.8922% | 124 |
| Net interest margin | 12.1880% | 13 |
| Noninterest income to average assets | 0.1026% | 4,594 |
| Noninterest expense to average assets | 3.0952% | 844 |
| Loan and lease loss provision to assets | 0.5744% | 90 |
| Net operating income to assets | 5.9163% | 34 |
| Return on assets (ROA) | 5.9163% | 35 |
| Pretax return on assets | 7.9784% | 34 |
| Return on Equity (ROE) | 23.3021% | 161 |
| Retained earnings to average equity (ytd only) | 16.9676% | 123 |
| Net charge-offs to loans | 0.1542% | 621 |
| Credit loss provision to net charge-offs | 378.3784% | 941 |
| Earnings coverage of net charge-offs (x) | 56.3405% | 1,225 |
| Efficiency ratio | 26.5727% | 4,805 |
| Assets per employee ($millions) | 4.4186% | 4,179 |
| Cash dividends to net income (ytd only)* | 27.1845% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3101% | 38 |
| Loan loss allowance to noncurrent loans | 821.1125% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.6393% | 1,022 |
| Noncurrent loans to loans | 0.6467% | 1,540 |
| Net loans and leases to total assets | 93.6123% | 5 |
| Net loans and leases to deposits | 133.7726% | 19 |
| Net loans and leases to core deposits | 209.5096% | 25 |
| Total domestic deposits to total assets | 69.9787% | 4,685 |
| Equity capital to assets | 27.4486% | 72 |
| Core capital (leverage) ratio | 27.4488% | 74 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2905% | 257 |
| Memoranda: | ||
| Average total assets | $121,865,800 | 3,778 |
| Average earning assets | $115,441,800 | 3,748 |
| Average equity | $30,941,400 | 2,476 |
| Average total loans | $119,969,200 | 2,952 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.9853% | 12 |
| Cost of funding earning assets | 0.9159% | 132 |
| Net interest margin | 12.0694% | 13 |
| Noninterest income to average assets | 0.1153% | 4,598 |
| Noninterest expense to average assets | 3.1388% | 774 |
| Loan and lease loss provision to assets | 0.6038% | 83 |
| Net operating income to assets | 5.8186% | 43 |
| Return on assets (ROA) | 5.8186% | 42 |
| Pretax return on assets | 7.8196% | 37 |
| Return on Equity (ROE) | 23.4004% | 238 |
| Retained earnings to average equity (ytd only) | 14.7434% | 430 |
| Net charge-offs to loans | 0.1552% | 538 |
| Credit loss provision to net charge-offs | 395.6835% | 858 |
| Earnings coverage of net charge-offs (x) | 55.1799% | 1,182 |
| Efficiency ratio | 27.1467% | 4,875 |
| Assets per employee ($millions) | 4.4058% | 4,185 |
| Cash dividends to net income (ytd only)* | 36.9951% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2142% | 35 |
| Loan loss allowance to noncurrent loans | 927.5762% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 1,378 |
| Noncurrent loans to loans | 0.5621% | 1,909 |
| Net loans and leases to total assets | 94.1781% | 4 |
| Net loans and leases to deposits | 132.9675% | 22 |
| Net loans and leases to core deposits | 209.2825% | 30 |
| Total domestic deposits to total assets | 70.8279% | 4,713 |
| Equity capital to assets | 25.9839% | 86 |
| Core capital (leverage) ratio | 26.1929% | 87 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6610% | 314 |
| Memoranda: | ||
| Average total assets | $121,401,750 | 3,827 |
| Average earning assets | $115,142,750 | 3,786 |
| Average equity | $30,186,750 | 2,550 |
| Average total loans | $119,383,000 | 2,998 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.8638% | 13 |
| Cost of funding earning assets | 0.9448% | 145 |
| Net interest margin | 11.9190% | 13 |
| Noninterest income to average assets | 0.1358% | 4,519 |
| Noninterest expense to average assets | 3.1851% | 735 |
| Loan and lease loss provision to assets | 0.9110% | 45 |
| Net operating income to assets | 5.4642% | 46 |
| Return on assets (ROA) | 5.4642% | 46 |
| Pretax return on assets | 7.3442% | 40 |
| Return on Equity (ROE) | 22.3174% | 299 |
| Retained earnings to average equity (ytd only) | 10.7494% | 1,185 |
| Net charge-offs to loans | 0.3059% | 281 |
| Credit loss provision to net charge-offs | 303.8674% | 877 |
| Earnings coverage of net charge-offs (x) | 27.5359% | 1,360 |
| Efficiency ratio | 27.8413% | 4,907 |
| Assets per employee ($millions) | 4.3313% | 4,233 |
| Cash dividends to net income (ytd only)* | 51.8339% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2629% | 31 |
| Loan loss allowance to noncurrent loans | 1,087.1575% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.5162% | 1,620 |
| Noncurrent loans to loans | 0.4841% | 2,227 |
| Net loans and leases to total assets | 94.2379% | 4 |
| Net loans and leases to deposits | 127.4071% | 38 |
| Net loans and leases to core deposits | 206.8711% | 33 |
| Total domestic deposits to total assets | 73.9660% | 4,653 |
| Equity capital to assets | 24.9909% | 93 |
| Core capital (leverage) ratio | 24.9757% | 93 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6871% | 347 |
| Memoranda: | ||
| Average total assets | $120,748,667 | 3,844 |
| Average earning assets | $114,523,000 | 3,804 |
| Average equity | $29,564,333 | 2,594 |
| Average total loans | $118,320,667 | 3,022 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.6272% | 10 |
| Cost of funding earning assets | 0.9665% | 163 |
| Net interest margin | 11.6607% | 11 |
| Noninterest income to average assets | 0.1760% | 4,316 |
| Noninterest expense to average assets | 3.2369% | 676 |
| Loan and lease loss provision to assets | 1.8260% | 15 |
| Net operating income to assets | 4.6047% | 64 |
| Return on assets (ROA) | 4.6047% | 66 |
| Pretax return on assets | 6.1684% | 59 |
| Return on Equity (ROE) | 19.0049% | 621 |
| Retained earnings to average equity (ytd only) | 12.7704% | 965 |
| Net charge-offs to loans | 0.8672% | 92 |
| Credit loss provision to net charge-offs | 216.5354% | 867 |
| Earnings coverage of net charge-offs (x) | 9.4803% | 1,538 |
| Efficiency ratio | 28.8206% | 4,918 |
| Assets per employee ($millions) | 4.4494% | 4,150 |
| Cash dividends to net income (ytd only)* | 32.8046% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2992% | 35 |
| Loan loss allowance to noncurrent loans | 964.0553% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.5419% | 1,750 |
| Noncurrent loans to loans | 0.5497% | 2,211 |
| Net loans and leases to total assets | 93.3591% | 3 |
| Net loans and leases to deposits | 127.0109% | 45 |
| Net loans and leases to core deposits | 201.9610% | 36 |
| Total domestic deposits to total assets | 73.5048% | 4,691 |
| Equity capital to assets | 24.6864% | 98 |
| Core capital (leverage) ratio | 24.9821% | 94 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5964% | 337 |
| Memoranda: | ||
| Average total assets | $120,485,000 | 3,851 |
| Average earning assets | $114,229,500 | 3,811 |
| Average equity | $29,192,500 | 2,607 |
| Average total loans | $117,162,500 | 3,038 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.9157% | 11 |
| Cost of funding earning assets | 1.3403% | 157 |
| Net interest margin | 11.5753% | 12 |
| Noninterest income to average assets | 0.1288% | 4,634 |
| Noninterest expense to average assets | 3.1524% | 1,143 |
| Loan and lease loss provision to assets | 2.3933% | 22 |
| Net operating income to assets | 4.1418% | 56 |
| Return on assets (ROA) | 4.1418% | 56 |
| Pretax return on assets | 5.5167% | 47 |
| Return on Equity (ROE) | 17.0663% | 405 |
| Retained earnings to average equity (ytd only) | 11.7039% | 354 |
| Net charge-offs to loans | 1.2728% | 88 |
| Credit loss provision to net charge-offs | 196.0624% | 2,180 |
| Earnings coverage of net charge-offs (x) | 6.4799% | 2,779 |
| Efficiency ratio | 28.4965% | 4,967 |
| Assets per employee ($millions) | 4.4754% | 3,941 |
| Cash dividends to net income (ytd only)* | 31.4211% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1608% | 35 |
| Loan loss allowance to noncurrent loans | 706.9740% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.7001% | 1,488 |
| Noncurrent loans to loans | 0.7300% | 1,882 |
| Net loans and leases to total assets | 90.9596% | 20 |
| Net loans and leases to deposits | 120.4240% | 75 |
| Net loans and leases to core deposits | 200.2897% | 41 |
| Total domestic deposits to total assets | 75.5328% | 4,537 |
| Equity capital to assets | 23.7746% | 110 |
| Core capital (leverage) ratio | 24.0945% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1371% | 346 |
| Memoranda: | ||
| Average total assets | $110,265,800 | 3,879 |
| Average earning assets | $104,152,600 | 3,847 |
| Average equity | $26,760,400 | 2,693 |
| Average total loans | $105,755,000 | 3,156 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.8932% | 11 |
| Cost of funding earning assets | 1.3919% | 168 |
| Net interest margin | 11.5013% | 11 |
| Noninterest income to average assets | 0.1772% | 4,403 |
| Noninterest expense to average assets | 3.1950% | 1,079 |
| Loan and lease loss provision to assets | 3.5680% | 18 |
| Net operating income to assets | 3.2049% | 77 |
| Return on assets (ROA) | 3.2049% | 80 |
| Pretax return on assets | 4.2654% | 60 |
| Return on Equity (ROE) | 13.1307% | 1,070 |
| Retained earnings to average equity (ytd only) | 7.7505% | 1,391 |
| Net charge-offs to loans | 1.5604% | 71 |
| Credit loss provision to net charge-offs | 238.4106% | 1,968 |
| Earnings coverage of net charge-offs (x) | 5.2343% | 2,752 |
| Efficiency ratio | 28.9710% | 4,996 |
| Assets per employee ($millions) | 4.3853% | 3,967 |
| Cash dividends to net income (ytd only)* | 40.9741% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4796% | 36 |
| Loan loss allowance to noncurrent loans | 714.0091% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.7415% | 1,567 |
| Noncurrent loans to loans | 0.7674% | 1,896 |
| Net loans and leases to total assets | 91.3288% | 22 |
| Net loans and leases to deposits | 119.6762% | 116 |
| Net loans and leases to core deposits | 202.0988% | 39 |
| Total domestic deposits to total assets | 76.3133% | 4,394 |
| Equity capital to assets | 22.9730% | 125 |
| Core capital (leverage) ratio | 23.3900% | 119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1919% | 396 |
| Memoranda: | ||
| Average total assets | $107,623,500 | 3,903 |
| Average earning assets | $101,539,750 | 3,870 |
| Average equity | $26,268,500 | 2,714 |
| Average total loans | $103,220,750 | 3,197 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.8494% | 12 |
| Cost of funding earning assets | 1.4302% | 203 |
| Net interest margin | 11.4192% | 12 |
| Noninterest income to average assets | 0.1480% | 4,569 |
| Noninterest expense to average assets | 3.1991% | 1,160 |
| Loan and lease loss provision to assets | 3.2298% | 25 |
| Net operating income to assets | 3.3317% | 66 |
| Return on assets (ROA) | 3.3317% | 70 |
| Pretax return on assets | 4.4795% | 51 |
| Return on Equity (ROE) | 13.3525% | 1,020 |
| Retained earnings to average equity (ytd only) | 5.1854% | 2,390 |
| Net charge-offs to loans | 2.0303% | 61 |
| Credit loss provision to net charge-offs | 166.3366% | 2,054 |
| Earnings coverage of net charge-offs (x) | 3.9703% | 2,636 |
| Efficiency ratio | 29.3268% | 5,020 |
| Assets per employee ($millions) | 4.1236% | 4,183 |
| Cash dividends to net income (ytd only)* | 61.1656% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8777% | 41 |
| Loan loss allowance to noncurrent loans | 560.3191% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.8838% | 1,391 |
| Noncurrent loans to loans | 0.8705% | 1,752 |
| Net loans and leases to total assets | 92.2559% | 10 |
| Net loans and leases to deposits | 127.2473% | 59 |
| Net loans and leases to core deposits | 214.5641% | 32 |
| Total domestic deposits to total assets | 72.5013% | 4,683 |
| Equity capital to assets | 23.6698% | 111 |
| Core capital (leverage) ratio | 24.5319% | 103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7729% | 373 |
| Memoranda: | ||
| Average total assets | $104,030,000 | 3,940 |
| Average earning assets | $98,028,000 | 3,907 |
| Average equity | $25,957,667 | 2,720 |
| Average total loans | $99,492,333 | 3,241 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.8696% | 13 |
| Cost of funding earning assets | 1.4734% | 296 |
| Net interest margin | 11.3962% | 14 |
| Noninterest income to average assets | 0.1753% | 4,491 |
| Noninterest expense to average assets | 3.3195% | 1,184 |
| Loan and lease loss provision to assets | 2.7496% | 36 |
| Net operating income to assets | 3.5466% | 46 |
| Return on assets (ROA) | 3.5466% | 48 |
| Pretax return on assets | 4.8019% | 35 |
| Return on Equity (ROE) | 13.8199% | 734 |
| Retained earnings to average equity (ytd only) | 2.1739% | 3,383 |
| Net charge-offs to loans | 2.4483% | 54 |
| Credit loss provision to net charge-offs | 118.3533% | 1,713 |
| Earnings coverage of net charge-offs (x) | 3.2504% | 2,227 |
| Efficiency ratio | 30.5352% | 5,062 |
| Assets per employee ($millions) | 3.8664% | 4,090 |
| Cash dividends to net income (ytd only)* | 84.2697% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7052% | 49 |
| Loan loss allowance to noncurrent loans | 551.4654% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.8592% | 1,557 |
| Noncurrent loans to loans | 0.8532% | 1,910 |
| Net loans and leases to total assets | 91.2610% | 16 |
| Net loans and leases to deposits | 127.5143% | 47 |
| Net loans and leases to core deposits | 206.5093% | 35 |
| Total domestic deposits to total assets | 71.5692% | 4,789 |
| Equity capital to assets | 24.7811% | 117 |
| Core capital (leverage) ratio | 25.8188% | 103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0890% | 357 |
| Memoranda: | ||
| Average total assets | $100,377,000 | 3,987 |
| Average earning assets | $94,206,500 | 3,960 |
| Average equity | $25,760,000 | 2,724 |
| Average total loans | $95,248,000 | 3,295 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.9817% | 13 |
| Cost of funding earning assets | 1.3649% | 624 |
| Net interest margin | 12.6168% | 13 |
| Noninterest income to average assets | 0.0822% | 4,967 |
| Noninterest expense to average assets | 4.0282% | 517 |
| Loan and lease loss provision to assets | 2.8376% | 28 |
| Net operating income to assets | 3.7259% | 56 |
| Return on assets (ROA) | 3.7259% | 60 |
| Pretax return on assets | 4.9930% | 50 |
| Return on Equity (ROE) | 12.9716% | 1,175 |
| Retained earnings to average equity (ytd only) | 6.1410% | 1,800 |
| Net charge-offs to loans | 2.3731% | 49 |
| Credit loss provision to net charge-offs | 127.8039% | 1,996 |
| Earnings coverage of net charge-offs (x) | 3.5269% | 3,315 |
| Efficiency ratio | 33.9682% | 5,118 |
| Assets per employee ($millions) | 3.5689% | 4,409 |
| Cash dividends to net income (ytd only)* | 52.6578% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0784% | 32 |
| Loan loss allowance to noncurrent loans | 584.8601% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.8987% | 1,416 |
| Noncurrent loans to loans | 0.8683% | 1,769 |
| Net loans and leases to total assets | 89.1698% | 61 |
| Net loans and leases to deposits | 123.1303% | 68 |
| Net loans and leases to core deposits | 193.2440% | 45 |
| Total domestic deposits to total assets | 72.4191% | 4,852 |
| Equity capital to assets | 26.6189% | 104 |
| Core capital (leverage) ratio | 27.3676% | 95 |
| Tier 1 risk-based capital ratio | 28.1149% | 551 |
| Total risk-based capital ratio | 29.4122% | 540 |
| Memoranda: | ||
| Average total assets | $86,340,400 | 4,196 |
| Average earning assets | $80,591,200 | 4,178 |
| Average equity | $24,800,400 | 2,730 |
| Average total loans | $80,781,800 | 3,588 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.2091% | 12 |
| Cost of funding earning assets | 1.3298% | 718 |
| Net interest margin | 12.8793% | 11 |
| Noninterest income to average assets | 0.0191% | 5,172 |
| Noninterest expense to average assets | 4.1922% | 416 |
| Loan and lease loss provision to assets | 2.7036% | 29 |
| Net operating income to assets | 3.8439% | 53 |
| Return on assets (ROA) | 3.8439% | 56 |
| Pretax return on assets | 5.1528% | 44 |
| Return on Equity (ROE) | 13.1064% | 1,241 |
| Retained earnings to average equity (ytd only) | 3.9205% | 3,441 |
| Net charge-offs to loans | 2.2532% | 49 |
| Credit loss provision to net charge-offs | 128.3988% | 1,846 |
| Earnings coverage of net charge-offs (x) | 3.7311% | 3,077 |
| Efficiency ratio | 34.7941% | 5,187 |
| Assets per employee ($millions) | 3.3876% | 4,604 |
| Cash dividends to net income (ytd only)* | 70.0868% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1382% | 37 |
| Loan loss allowance to noncurrent loans | 615.8114% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.8867% | 1,544 |
| Noncurrent loans to loans | 0.8344% | 1,905 |
| Net loans and leases to total assets | 89.6212% | 48 |
| Net loans and leases to deposits | 127.9253% | 54 |
| Net loans and leases to core deposits | 190.4731% | 49 |
| Total domestic deposits to total assets | 70.0574% | 4,993 |
| Equity capital to assets | 27.1568% | 98 |
| Core capital (leverage) ratio | 28.0899% | 80 |
| Tier 1 risk-based capital ratio | 28.6648% | 525 |
| Total risk-based capital ratio | 29.9620% | 517 |
| Memoranda: | ||
| Average total assets | $83,835,500 | 4,281 |
| Average earning assets | $78,304,500 | 4,266 |
| Average equity | $24,588,000 | 2,765 |
| Average total loans | $78,347,000 | 3,670 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.4105% | 10 |
| Cost of funding earning assets | 1.2741% | 806 |
| Net interest margin | 13.1364% | 7 |
| Noninterest income to average assets | 0.0517% | 5,159 |
| Noninterest expense to average assets | 4.3448% | 354 |
| Loan and lease loss provision to assets | 2.3372% | 32 |
| Net operating income to assets | 4.0742% | 46 |
| Return on assets (ROA) | 4.0742% | 49 |
| Pretax return on assets | 5.6217% | 40 |
| Return on Equity (ROE) | 13.5160% | 1,099 |
| Retained earnings to average equity (ytd only) | 7.8517% | 1,447 |
| Net charge-offs to loans | 2.0328% | 52 |
| Credit loss provision to net charge-offs | 123.5371% | 1,711 |
| Earnings coverage of net charge-offs (x) | 4.2068% | 2,755 |
| Efficiency ratio | 35.3129% | 5,229 |
| Assets per employee ($millions) | 3.1727% | 4,788 |
| Cash dividends to net income (ytd only)* | 41.9082% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2686% | 26 |
| Loan loss allowance to noncurrent loans | 660.1866% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.9246% | 1,501 |
| Noncurrent loans to loans | 0.7980% | 2,000 |
| Net loans and leases to total assets | 89.1025% | 79 |
| Net loans and leases to deposits | 128.7090% | 48 |
| Net loans and leases to core deposits | 187.9096% | 50 |
| Total domestic deposits to total assets | 69.2279% | 5,069 |
| Equity capital to assets | 29.2930% | 75 |
| Core capital (leverage) ratio | 30.1097% | 70 |
| Tier 1 risk-based capital ratio | 31.1646% | 449 |
| Total risk-based capital ratio | 32.4646% | 442 |
| Memoranda: | ||
| Average total assets | $81,292,330 | 4,356 |
| Average earning assets | $75,819,670 | 4,335 |
| Average equity | $24,504,330 | 2,766 |
| Average total loans | $75,658,670 | 3,737 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.4958% | 10 |
| Cost of funding earning assets | 1.2510% | 767 |
| Net interest margin | 13.2448% | 7 |
| Noninterest income to average assets | 0.0405% | 5,237 |
| Noninterest expense to average assets | 4.4193% | 324 |
| Loan and lease loss provision to assets | 3.6406% | 17 |
| Net operating income to assets | 3.1097% | 81 |
| Return on assets (ROA) | 3.1097% | 85 |
| Pretax return on assets | 4.2929% | 63 |
| Return on Equity (ROE) | 10.1611% | 2,296 |
| Retained earnings to average equity (ytd only) | 4.4775% | 3,131 |
| Net charge-offs to loans | 2.6283% | 38 |
| Credit loss provision to net charge-offs | 149.6881% | 1,247 |
| Earnings coverage of net charge-offs (x) | 3.2620% | 2,420 |
| Efficiency ratio | 35.7757% | 5,271 |
| Assets per employee ($millions) | 3.0236% | 4,963 |
| Cash dividends to net income (ytd only)* | 55.9350% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6878% | 25 |
| Loan loss allowance to noncurrent loans | 618.2471% | 882 |
| Noncurrent assets plus other real estate owned to assets | 1.1245% | 1,223 |
| Noncurrent loans to loans | 0.9200% | 1,819 |
| Net loans and leases to total assets | 87.4002% | 123 |
| Net loans and leases to deposits | 126.6531% | 51 |
| Net loans and leases to core deposits | 173.1124% | 60 |
| Total domestic deposits to total assets | 69.0075% | 5,141 |
| Equity capital to assets | 29.8533% | 72 |
| Core capital (leverage) ratio | 30.1569% | 70 |
| Tier 1 risk-based capital ratio | 32.2046% | 408 |
| Total risk-based capital ratio | 33.5094% | 401 |
| Memoranda: | ||
| Average total assets | $79,107,500 | 4,428 |
| Average earning assets | $73,538,500 | 4,424 |
| Average equity | $24,210,000 | 2,790 |
| Average total loans | $73,202,000 | 3,814 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.4310% | 7 |
| Cost of funding earning assets | 0.9623% | 874 |
| Net interest margin | 14.4688% | 6 |
| Noninterest income to average assets | 0.0850% | 5,192 |
| Noninterest expense to average assets | 4.5176% | 290 |
| Loan and lease loss provision to assets | 4.0101% | 14 |
| Net operating income to assets | 3.6367% | 54 |
| Return on assets (ROA) | 3.6367% | 54 |
| Pretax return on assets | 5.0225% | 44 |
| Return on Equity (ROE) | 11.9640% | 1,728 |
| Retained earnings to average equity (ytd only) | 9.0615% | 836 |
| Net charge-offs to loans | 3.3974% | 30 |
| Credit loss provision to net charge-offs | 129.4168% | 2,041 |
| Earnings coverage of net charge-offs (x) | 2.9151% | 3,478 |
| Efficiency ratio | 33.3399% | 5,346 |
| Assets per employee ($millions) | 2.8363% | 5,074 |
| Cash dividends to net income (ytd only)* | 24.2601% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7441% | 24 |
| Loan loss allowance to noncurrent loans | 570.7865% | 977 |
| Noncurrent assets plus other real estate owned to assets | 1.1975% | 1,094 |
| Noncurrent loans to loans | 1.0063% | 1,615 |
| Net loans and leases to total assets | 87.0826% | 164 |
| Net loans and leases to deposits | 131.5974% | 41 |
| Net loans and leases to core deposits | 156.7667% | 105 |
| Total domestic deposits to total assets | 66.1735% | 5,245 |
| Equity capital to assets | 31.4042% | 64 |
| Core capital (leverage) ratio | 31.8118% | 64 |
| Tier 1 risk-based capital ratio | 34.0574% | 338 |
| Total risk-based capital ratio | 35.3625% | 331 |
| Memoranda: | ||
| Average total assets | $75,260,600 | 4,509 |
| Average earning assets | $70,040,600 | 4,493 |
| Average equity | $22,877,000 | 2,832 |
| Average total loans | $68,640,000 | 3,898 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.5010% | 6 |
| Cost of funding earning assets | 0.9226% | 827 |
| Net interest margin | 14.5784% | 6 |
| Noninterest income to average assets | 0.0996% | 5,214 |
| Noninterest expense to average assets | 4.5410% | 282 |
| Loan and lease loss provision to assets | 4.0890% | 15 |
| Net operating income to assets | 3.6762% | 56 |
| Return on assets (ROA) | 3.6762% | 57 |
| Pretax return on assets | 5.0499% | 46 |
| Return on Equity (ROE) | 12.1971% | 1,724 |
| Retained earnings to average equity (ytd only) | 8.2771% | 1,523 |
| Net charge-offs to loans | 3.2338% | 29 |
| Credit loss provision to net charge-offs | 139.1041% | 1,813 |
| Earnings coverage of net charge-offs (x) | 3.1090% | 3,189 |
| Efficiency ratio | 33.1946% | 5,413 |
| Assets per employee ($millions) | 2.8725% | 5,123 |
| Cash dividends to net income (ytd only)* | 32.1393% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8179% | 26 |
| Loan loss allowance to noncurrent loans | 418.7305% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 1.5733% | 802 |
| Noncurrent loans to loans | 1.3894% | 1,196 |
| Net loans and leases to total assets | 87.2212% | 174 |
| Net loans and leases to deposits | 130.0733% | 45 |
| Net loans and leases to core deposits | 149.9102% | 134 |
| Total domestic deposits to total assets | 67.0554% | 5,304 |
| Equity capital to assets | 31.2468% | 60 |
| Core capital (leverage) ratio | 31.4299% | 61 |
| Tier 1 risk-based capital ratio | 33.9316% | 347 |
| Total risk-based capital ratio | 35.2387% | 337 |
| Memoranda: | ||
| Average total assets | $74,931,000 | 4,562 |
| Average earning assets | $69,800,250 | 4,544 |
| Average equity | $22,584,000 | 2,866 |
| Average total loans | $68,112,250 | 3,945 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.4529% | 6 |
| Cost of funding earning assets | 0.8824% | 783 |
| Net interest margin | 14.5705% | 6 |
| Noninterest income to average assets | 0.1386% | 5,122 |
| Noninterest expense to average assets | 4.5859% | 276 |
| Loan and lease loss provision to assets | 4.2073% | 13 |
| Net operating income to assets | 3.5727% | 58 |
| Return on assets (ROA) | 3.5727% | 57 |
| Pretax return on assets | 4.9058% | 43 |
| Return on Equity (ROE) | 12.0002% | 1,723 |
| Retained earnings to average equity (ytd only) | 6.0538% | 2,529 |
| Net charge-offs to loans | 3.2792% | 28 |
| Credit loss provision to net charge-offs | 142.0342% | 1,631 |
| Earnings coverage of net charge-offs (x) | 3.0765% | 2,916 |
| Efficiency ratio | 33.4761% | 5,469 |
| Assets per employee ($millions) | 2.8848% | 5,169 |
| Cash dividends to net income (ytd only)* | 49.5522% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5893% | 26 |
| Loan loss allowance to noncurrent loans | 433.9729% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 1.4319% | 949 |
| Noncurrent loans to loans | 1.2879% | 1,328 |
| Net loans and leases to total assets | 86.5902% | 221 |
| Net loans and leases to deposits | 131.2671% | 39 |
| Net loans and leases to core deposits | 146.1947% | 149 |
| Total domestic deposits to total assets | 65.9649% | 5,388 |
| Equity capital to assets | 30.1713% | 67 |
| Core capital (leverage) ratio | 30.3974% | 68 |
| Tier 1 risk-based capital ratio | 33.0665% | 371 |
| Total risk-based capital ratio | 34.3707% | 363 |
| Memoranda: | ||
| Average total assets | $75,012,670 | 4,607 |
| Average earning assets | $69,812,330 | 4,594 |
| Average equity | $22,333,000 | 2,898 |
| Average total loans | $67,761,000 | 3,981 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.2853% | 7 |
| Cost of funding earning assets | 0.8355% | 808 |
| Net interest margin | 14.4498% | 6 |
| Noninterest income to average assets | 0.2453% | 4,532 |
| Noninterest expense to average assets | 4.5910% | 275 |
| Loan and lease loss provision to assets | 3.8552% | 14 |
| Net operating income to assets | 3.8232% | 53 |
| Return on assets (ROA) | 3.8232% | 53 |
| Pretax return on assets | 5.2628% | 43 |
| Return on Equity (ROE) | 12.9279% | 1,285 |
| Retained earnings to average equity (ytd only) | 7.1582% | 2,210 |
| Net charge-offs to loans | 3.8307% | 27 |
| Credit loss provision to net charge-offs | 112.2671% | 1,435 |
| Earnings coverage of net charge-offs (x) | 2.6553% | 2,443 |
| Efficiency ratio | 33.4889% | 5,540 |
| Assets per employee ($millions) | 2.8617% | 5,245 |
| Cash dividends to net income (ytd only)* | 44.6304% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1056% | 35 |
| Loan loss allowance to noncurrent loans | 367.3751% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 1.4448% | 989 |
| Noncurrent loans to loans | 1.3898% | 1,279 |
| Net loans and leases to total assets | 86.3558% | 235 |
| Net loans and leases to deposits | 127.3951% | 49 |
| Net loans and leases to core deposits | 139.5955% | 217 |
| Total domestic deposits to total assets | 67.7858% | 5,420 |
| Equity capital to assets | 30.0585% | 66 |
| Core capital (leverage) ratio | 30.0756% | 67 |
| Tier 1 risk-based capital ratio | 32.9220% | 378 |
| Total risk-based capital ratio | 34.2191% | 370 |
| Memoranda: | ||
| Average total assets | $75,016,500 | 4,659 |
| Average earning assets | $69,897,000 | 4,641 |
| Average equity | $22,184,500 | 2,942 |
| Average total loans | $67,245,500 | 4,031 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.0022% | 7 |
| Cost of funding earning assets | 0.8524% | 477 |
| Net interest margin | 14.1498% | 7 |
| Noninterest income to average assets | -0.0494% | 5,641 |
| Noninterest expense to average assets | 4.3938% | 345 |
| Loan and lease loss provision to assets | 3.6312% | 20 |
| Net operating income to assets | 2.8634% | 78 |
| Return on assets (ROA) | 2.8634% | 77 |
| Pretax return on assets | 5.1460% | 43 |
| Return on Equity (ROE) | 10.0860% | 1,849 |
| Retained earnings to average equity (ytd only) | 3.6518% | 3,064 |
| Net charge-offs to loans | 3.6531% | 31 |
| Credit loss provision to net charge-offs | 113.3874% | 2,304 |
| Earnings coverage of net charge-offs (x) | 2.7408% | 3,712 |
| Efficiency ratio | 33.3596% | 5,612 |
| Assets per employee ($millions) | 2.8010% | 5,322 |
| Cash dividends to net income (ytd only)* | 63.7931% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0583% | 35 |
| Loan loss allowance to noncurrent loans | 294.7644% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 1.5986% | 833 |
| Noncurrent loans to loans | 1.7161% | 944 |
| Net loans and leases to total assets | 83.8354% | 465 |
| Net loans and leases to deposits | 119.0711% | 121 |
| Net loans and leases to core deposits | 133.9226% | 279 |
| Total domestic deposits to total assets | 70.4078% | 5,389 |
| Equity capital to assets | 29.0950% | 66 |
| Core capital (leverage) ratio | 28.6589% | 72 |
| Tier 1 risk-based capital ratio | 32.6323% | 380 |
| Total risk-based capital ratio | 33.9282% | 374 |
| Memoranda: | ||
| Average total assets | $76,972,600 | 4,645 |
| Average earning assets | $71,916,000 | 4,626 |
| Average equity | $21,852,000 | 2,966 |
| Average total loans | $67,477,000 | 4,020 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.9229% | 8 |
| Cost of funding earning assets | 0.8377% | 477 |
| Net interest margin | 14.0853% | 8 |
| Noninterest income to average assets | -0.0759% | 5,712 |
| Noninterest expense to average assets | 4.4168% | 338 |
| Loan and lease loss provision to assets | 3.5717% | 20 |
| Net operating income to assets | 3.0750% | 75 |
| Return on assets (ROA) | 3.0750% | 74 |
| Pretax return on assets | 5.1015% | 50 |
| Return on Equity (ROE) | 10.8979% | 1,742 |
| Retained earnings to average equity (ytd only) | 8.0436% | 1,205 |
| Net charge-offs to loans | 3.4391% | 35 |
| Credit loss provision to net charge-offs | 118.6819% | 2,023 |
| Earnings coverage of net charge-offs (x) | 2.8819% | 3,415 |
| Efficiency ratio | 33.7418% | 5,667 |
| Assets per employee ($millions) | 2.8536% | 5,356 |
| Cash dividends to net income (ytd only)* | 26.1918% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0422% | 39 |
| Loan loss allowance to noncurrent loans | 265.4603% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 1.6652% | 869 |
| Noncurrent loans to loans | 1.8994% | 915 |
| Net loans and leases to total assets | 82.4704% | 605 |
| Net loans and leases to deposits | 117.4554% | 131 |
| Net loans and leases to core deposits | 131.0745% | 325 |
| Total domestic deposits to total assets | 70.2143% | 5,472 |
| Equity capital to assets | 29.2756% | 68 |
| Core capital (leverage) ratio | 29.0150% | 64 |
| Tier 1 risk-based capital ratio | 33.2792% | 373 |
| Total risk-based capital ratio | 34.5749% | 365 |
| Memoranda: | ||
| Average total assets | $77,308,750 | 4,690 |
| Average earning assets | $72,262,750 | 4,663 |
| Average equity | $21,814,000 | 2,997 |
| Average total loans | $67,651,000 | 4,050 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.8251% | 8 |
| Cost of funding earning assets | 0.8209% | 470 |
| Net interest margin | 14.0043% | 8 |
| Noninterest income to average assets | -0.1525% | 5,764 |
| Noninterest expense to average assets | 4.4162% | 339 |
| Loan and lease loss provision to assets | 3.5816% | 21 |
| Net operating income to assets | 2.9795% | 79 |
| Return on assets (ROA) | 2.9795% | 80 |
| Pretax return on assets | 4.9434% | 54 |
| Return on Equity (ROE) | 10.6924% | 1,761 |
| Retained earnings to average equity (ytd only) | 6.3617% | 1,928 |
| Net charge-offs to loans | 3.3080% | 41 |
| Credit loss provision to net charge-offs | 123.4194% | 1,754 |
| Earnings coverage of net charge-offs (x) | 2.9377% | 3,103 |
| Efficiency ratio | 34.1254% | 5,713 |
| Assets per employee ($millions) | 2.8750% | 5,377 |
| Cash dividends to net income (ytd only)* | 40.5030% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9416% | 46 |
| Loan loss allowance to noncurrent loans | 296.1538% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 1.4557% | 1,066 |
| Noncurrent loans to loans | 1.6686% | 1,097 |
| Net loans and leases to total assets | 82.0496% | 658 |
| Net loans and leases to deposits | 115.0966% | 180 |
| Net loans and leases to core deposits | 128.0736% | 341 |
| Total domestic deposits to total assets | 71.2876% | 5,493 |
| Equity capital to assets | 28.2589% | 64 |
| Core capital (leverage) ratio | 27.9765% | 66 |
| Tier 1 risk-based capital ratio | 32.3266% | 393 |
| Total risk-based capital ratio | 33.6214% | 380 |
| Memoranda: | ||
| Average total assets | $77,396,000 | 4,717 |
| Average earning assets | $72,363,670 | 4,686 |
| Average equity | $21,566,670 | 3,023 |
| Average total loans | $67,896,330 | 4,061 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.7184% | 8 |
| Cost of funding earning assets | 0.7968% | 495 |
| Net interest margin | 13.9216% | 8 |
| Noninterest income to average assets | -0.1915% | 5,842 |
| Noninterest expense to average assets | 4.3995% | 359 |
| Loan and lease loss provision to assets | 4.3788% | 14 |
| Net operating income to assets | 2.4430% | 153 |
| Return on assets (ROA) | 2.4430% | 158 |
| Pretax return on assets | 4.0527% | 78 |
| Return on Equity (ROE) | 8.8299% | 2,492 |
| Retained earnings to average equity (ytd only) | 5.9489% | 2,374 |
| Net charge-offs to loans | 3.7575% | 35 |
| Credit loss provision to net charge-offs | 131.7757% | 1,302 |
| Earnings coverage of net charge-offs (x) | 2.5374% | 2,579 |
| Efficiency ratio | 34.2880% | 5,773 |
| Assets per employee ($millions) | 2.8835% | 5,440 |
| Cash dividends to net income (ytd only)* | 32.6271% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8283% | 53 |
| Loan loss allowance to noncurrent loans | 260.1600% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 1.6056% | 972 |
| Noncurrent loans to loans | 1.8559% | 998 |
| Net loans and leases to total assets | 82.3349% | 534 |
| Net loans and leases to deposits | 114.1888% | 146 |
| Net loans and leases to core deposits | 126.8297% | 306 |
| Total domestic deposits to total assets | 72.1042% | 5,536 |
| Equity capital to assets | 27.6685% | 72 |
| Core capital (leverage) ratio | 28.0167% | 68 |
| Tier 1 risk-based capital ratio | 31.6254% | 428 |
| Total risk-based capital ratio | 32.9195% | 422 |
| Memoranda: | ||
| Average total assets | $77,281,500 | 4,765 |
| Average earning assets | $72,290,500 | 4,740 |
| Average equity | $21,382,000 | 3,046 |
| Average total loans | $68,343,500 | 4,087 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.5382% | 8 |
| Cost of funding earning assets | 0.7736% | 565 |
| Net interest margin | 14.7646% | 8 |
| Noninterest income to average assets | 0.0398% | 5,794 |
| Noninterest expense to average assets | 4.2325% | 471 |
| Loan and lease loss provision to assets | 2.7225% | 22 |
| Net operating income to assets | 4.1315% | 45 |
| Return on assets (ROA) | 4.1315% | 46 |
| Pretax return on assets | 6.8739% | 35 |
| Return on Equity (ROE) | 15.3507% | 581 |
| Retained earnings to average equity (ytd only) | 2.1908% | 4,286 |
| Net charge-offs to loans | 2.7204% | 43 |
| Credit loss provision to net charge-offs | 109.1006% | 2,405 |
| Earnings coverage of net charge-offs (x) | 3.8457% | 3,598 |
| Efficiency ratio | 30.6060% | 5,870 |
| Assets per employee ($millions) | 3.0684% | 5,296 |
| Cash dividends to net income (ytd only)* | 85.7281% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3961% | 59 |
| Loan loss allowance to noncurrent loans | 280.9217% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 1.4705% | 1,151 |
| Noncurrent loans to loans | 1.5649% | 1,263 |
| Net loans and leases to total assets | 86.4123% | 216 |
| Net loans and leases to deposits | 120.1573% | 91 |
| Net loans and leases to core deposits | 133.0189% | 249 |
| Total domestic deposits to total assets | 71.9159% | 5,566 |
| Equity capital to assets | 27.6669% | 73 |
| Core capital (leverage) ratio | 27.6696% | 71 |
| Tier 1 risk-based capital ratio | 30.5346% | 458 |
| Total risk-based capital ratio | 31.8230% | 453 |
| Memoranda: | ||
| Average total assets | $75,299,000 | 4,826 |
| Average earning assets | $70,323,400 | 4,797 |
| Average equity | $20,266,200 | 3,142 |
| Average total loans | $69,071,200 | 4,066 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.4689% | 8 |
| Cost of funding earning assets | 0.7583% | 613 |
| Net interest margin | 14.7106% | 8 |
| Noninterest income to average assets | 0.0747% | 5,776 |
| Noninterest expense to average assets | 4.2038% | 482 |
| Loan and lease loss provision to assets | 2.4212% | 30 |
| Net operating income to assets | 4.3016% | 45 |
| Return on assets (ROA) | 4.3016% | 45 |
| Pretax return on assets | 7.1854% | 32 |
| Return on Equity (ROE) | 16.0979% | 532 |
| Retained earnings to average equity (ytd only) | -1.6577% | 5,572 |
| Net charge-offs to loans | 2.4848% | 49 |
| Credit loss provision to net charge-offs | 105.8320% | 2,270 |
| Earnings coverage of net charge-offs (x) | 4.1991% | 3,301 |
| Efficiency ratio | 30.4393% | 5,932 |
| Assets per employee ($millions) | 2.9195% | 5,454 |
| Cash dividends to net income (ytd only)* | 110.2977% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1949% | 69 |
| Loan loss allowance to noncurrent loans | 268.8525% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 1.5032% | 1,195 |
| Noncurrent loans to loans | 1.5603% | 1,392 |
| Net loans and leases to total assets | 88.8191% | 98 |
| Net loans and leases to deposits | 122.3975% | 91 |
| Net loans and leases to core deposits | 136.2248% | 226 |
| Total domestic deposits to total assets | 72.5661% | 5,557 |
| Equity capital to assets | 27.1006% | 78 |
| Core capital (leverage) ratio | 27.1824% | 73 |
| Tier 1 risk-based capital ratio | 29.3164% | 508 |
| Total risk-based capital ratio | 30.6037% | 502 |
| Memoranda: | ||
| Average total assets | $74,946,500 | 4,869 |
| Average earning assets | $69,979,500 | 4,845 |
| Average equity | $20,027,000 | 3,189 |
| Average total loans | $69,005,500 | 4,096 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.3320% | 8 |
| Cost of funding earning assets | 0.7353% | 681 |
| Net interest margin | 14.5967% | 8 |
| Noninterest income to average assets | 0.0670% | 5,867 |
| Noninterest expense to average assets | 4.1406% | 518 |
| Loan and lease loss provision to assets | 2.3316% | 33 |
| Net operating income to assets | 4.4059% | 44 |
| Return on assets (ROA) | 4.4059% | 43 |
| Pretax return on assets | 7.2146% | 30 |
| Return on Equity (ROE) | 16.5678% | 478 |
| Retained earnings to average equity (ytd only) | -10.3096% | 5,887 |
| Net charge-offs to loans | 2.3516% | 60 |
| Credit loss provision to net charge-offs | 107.9404% | 1,993 |
| Earnings coverage of net charge-offs (x) | 4.4194% | 2,990 |
| Efficiency ratio | 30.2526% | 6,012 |
| Assets per employee ($millions) | 3.0008% | 5,434 |
| Cash dividends to net income (ytd only)* | 162.2263% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2311% | 63 |
| Loan loss allowance to noncurrent loans | 368.0851% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 1.1224% | 1,878 |
| Noncurrent loans to loans | 1.1495% | 1,996 |
| Net loans and leases to total assets | 88.7349% | 109 |
| Net loans and leases to deposits | 122.3631% | 91 |
| Net loans and leases to core deposits | 135.6510% | 222 |
| Total domestic deposits to total assets | 72.5176% | 5,638 |
| Equity capital to assets | 26.3866% | 82 |
| Core capital (leverage) ratio | 26.3443% | 79 |
| Tier 1 risk-based capital ratio | 28.6273% | 557 |
| Total risk-based capital ratio | 29.9147% | 547 |
| Memoranda: | ||
| Average total assets | $74,626,670 | 4,921 |
| Average earning assets | $69,632,000 | 4,895 |
| Average equity | $19,845,670 | 3,214 |
| Average total loans | $68,550,330 | 4,128 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.2028% | 8 |
| Cost of funding earning assets | 0.7044% | 795 |
| Net interest margin | 14.4984% | 8 |
| Noninterest income to average assets | 0.1559% | 5,560 |
| Noninterest expense to average assets | 4.1435% | 527 |
| Loan and lease loss provision to assets | 2.3378% | 32 |
| Net operating income to assets | 4.3316% | 54 |
| Return on assets (ROA) | 4.3316% | 52 |
| Pretax return on assets | 7.1691% | 36 |
| Return on Equity (ROE) | 16.2246% | 513 |
| Retained earnings to average equity (ytd only) | -37.4616% | 6,052 |
| Net charge-offs to loans | 2.3035% | 61 |
| Credit loss provision to net charge-offs | 110.9694% | 1,513 |
| Earnings coverage of net charge-offs (x) | 4.5128% | 2,422 |
| Efficiency ratio | 30.3543% | 6,071 |
| Assets per employee ($millions) | 2.8675% | 5,624 |
| Cash dividends to net income (ytd only)* | 330.8933% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2493% | 79 |
| Loan loss allowance to noncurrent loans | 393.0013% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 1.0663% | 2,074 |
| Noncurrent loans to loans | 1.0812% | 2,236 |
| Net loans and leases to total assets | 88.2543% | 104 |
| Net loans and leases to deposits | 124.2433% | 67 |
| Net loans and leases to core deposits | 134.7160% | 221 |
| Total domestic deposits to total assets | 71.0335% | 5,819 |
| Equity capital to assets | 25.4188% | 89 |
| Core capital (leverage) ratio | 25.5731% | 87 |
| Tier 1 risk-based capital ratio | 27.7448% | 627 |
| Total risk-based capital ratio | 29.0316% | 610 |
| Memoranda: | ||
| Average total assets | $74,430,500 | 4,966 |
| Average earning assets | $69,276,500 | 4,946 |
| Average equity | $19,871,000 | 3,216 |
| Average total loans | $68,071,000 | 4,162 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5917% | 8 |
| Cost of funding earning assets | 0.7047% | 799 |
| Net interest margin | 13.8871% | 8 |
| Noninterest income to average assets | 0.0081% | 6,089 |
| Noninterest expense to average assets | 4.0333% | 642 |
| Loan and lease loss provision to assets | 2.4387% | 24 |
| Net operating income to assets | 3.9154% | 61 |
| Return on assets (ROA) | 3.9154% | 62 |
| Pretax return on assets | 6.4856% | 37 |
| Return on Equity (ROE) | 14.4917% | 765 |
| Retained earnings to average equity (ytd only) | 7.2208% | 1,191 |
| Net charge-offs to loans | 2.4044% | 50 |
| Credit loss provision to net charge-offs | 113.7081% | 2,238 |
| Earnings coverage of net charge-offs (x) | 4.1611% | 3,603 |
| Efficiency ratio | 31.1271% | 6,132 |
| Assets per employee ($millions) | 2.9722% | 5,545 |
| Cash dividends to net income (ytd only)* | 50.1730% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2670% | 71 |
| Loan loss allowance to noncurrent loans | 368.8462% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 1.1412% | 1,918 |
| Noncurrent loans to loans | 1.1569% | 2,040 |
| Net loans and leases to total assets | 86.8665% | 177 |
| Net loans and leases to deposits | 126.5355% | 61 |
| Net loans and leases to core deposits | 137.6181% | 192 |
| Total domestic deposits to total assets | 68.6499% | 5,950 |
| Equity capital to assets | 27.9802% | 67 |
| Core capital (leverage) ratio | 28.0577% | 67 |
| Tier 1 risk-based capital ratio | 30.9298% | 466 |
| Total risk-based capital ratio | 32.2166% | 463 |
| Memoranda: | ||
| Average total assets | $73,810,200 | 4,993 |
| Average earning assets | $68,826,600 | 4,962 |
| Average equity | $19,942,400 | 3,177 |
| Average total loans | $65,838,600 | 4,205 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.3957% | 10 |
| Cost of funding earning assets | 0.7178% | 766 |
| Net interest margin | 13.6779% | 8 |
| Noninterest income to average assets | 0.0289% | 6,141 |
| Noninterest expense to average assets | 3.9445% | 704 |
| Loan and lease loss provision to assets | 2.4427% | 20 |
| Net operating income to assets | 3.8722% | 57 |
| Return on assets (ROA) | 3.8722% | 57 |
| Pretax return on assets | 6.3981% | 38 |
| Return on Equity (ROE) | 14.4613% | 820 |
| Retained earnings to average equity (ytd only) | 4.7979% | 3,053 |
| Net charge-offs to loans | 2.3980% | 46 |
| Credit loss provision to net charge-offs | 114.6984% | 2,060 |
| Earnings coverage of net charge-offs (x) | 4.1512% | 3,392 |
| Efficiency ratio | 30.8520% | 6,220 |
| Assets per employee ($millions) | 2.7089% | 5,828 |
| Cash dividends to net income (ytd only)* | 66.8225% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1959% | 82 |
| Loan loss allowance to noncurrent loans | 342.1498% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 1.2127% | 1,949 |
| Noncurrent loans to loans | 1.2263% | 2,081 |
| Net loans and leases to total assets | 88.4400% | 117 |
| Net loans and leases to deposits | 129.7150% | 45 |
| Net loans and leases to core deposits | 140.5646% | 161 |
| Total domestic deposits to total assets | 68.1802% | 6,035 |
| Equity capital to assets | 27.4528% | 74 |
| Core capital (leverage) ratio | 27.4447% | 73 |
| Tier 1 risk-based capital ratio | 29.8967% | 530 |
| Total risk-based capital ratio | 31.1828% | 521 |
| Memoranda: | ||
| Average total assets | $73,686,250 | 5,059 |
| Average earning assets | $68,722,500 | 5,023 |
| Average equity | $19,730,250 | 3,230 |
| Average total loans | $65,442,250 | 4,260 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.0533% | 11 |
| Cost of funding earning assets | 0.7622% | 604 |
| Net interest margin | 13.2911% | 10 |
| Noninterest income to average assets | 0.0677% | 6,117 |
| Noninterest expense to average assets | 3.8853% | 782 |
| Loan and lease loss provision to assets | 2.4368% | 20 |
| Net operating income to assets | 3.7039% | 68 |
| Return on assets (ROA) | 3.7039% | 67 |
| Pretax return on assets | 6.1163% | 49 |
| Return on Equity (ROE) | 13.9492% | 917 |
| Retained earnings to average equity (ytd only) | 4.1603% | 3,384 |
| Net charge-offs to loans | 2.4401% | 54 |
| Credit loss provision to net charge-offs | 113.9241% | 1,877 |
| Earnings coverage of net charge-offs (x) | 3.9987% | 3,105 |
| Efficiency ratio | 31.2364% | 6,291 |
| Assets per employee ($millions) | 2.7660% | 5,848 |
| Cash dividends to net income (ytd only)* | 70.1754% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2254% | 89 |
| Loan loss allowance to noncurrent loans | 410.3704% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 1.1514% | 2,203 |
| Noncurrent loans to loans | 1.0297% | 2,589 |
| Net loans and leases to total assets | 87.3058% | 177 |
| Net loans and leases to deposits | 125.0319% | 66 |
| Net loans and leases to core deposits | 138.2251% | 177 |
| Total domestic deposits to total assets | 69.8269% | 6,044 |
| Equity capital to assets | 27.4880% | 72 |
| Core capital (leverage) ratio | 27.2722% | 77 |
| Tier 1 risk-based capital ratio | 30.2857% | 526 |
| Total risk-based capital ratio | 31.5732% | 516 |
| Memoranda: | ||
| Average total assets | $73,868,330 | 5,105 |
| Average earning assets | $68,752,670 | 5,068 |
| Average equity | $19,614,000 | 3,259 |
| Average total loans | $64,750,330 | 4,320 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.5931% | 11 |
| Cost of funding earning assets | 0.8047% | 484 |
| Net interest margin | 12.7885% | 11 |
| Noninterest income to average assets | 0.2886% | 4,862 |
| Noninterest expense to average assets | 3.8854% | 788 |
| Loan and lease loss provision to assets | 2.4050% | 22 |
| Net operating income to assets | 3.5754% | 71 |
| Return on assets (ROA) | 3.5754% | 74 |
| Pretax return on assets | 5.8895% | 50 |
| Return on Equity (ROE) | 13.6971% | 939 |
| Retained earnings to average equity (ytd only) | 6.8997% | 2,050 |
| Net charge-offs to loans | 2.7289% | 52 |
| Credit loss provision to net charge-offs | 102.5057% | 1,581 |
| Earnings coverage of net charge-offs (x) | 3.5353% | 2,592 |
| Efficiency ratio | 31.9000% | 6,357 |
| Assets per employee ($millions) | 2.8793% | 5,805 |
| Cash dividends to net income (ytd only)* | 49.6263% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1356% | 115 |
| Loan loss allowance to noncurrent loans | 355.1862% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 1.1207% | 2,391 |
| Noncurrent loans to loans | 1.1643% | 2,443 |
| Net loans and leases to total assets | 82.7044% | 398 |
| Net loans and leases to deposits | 118.8479% | 97 |
| Net loans and leases to core deposits | 130.8653% | 234 |
| Total domestic deposits to total assets | 69.5884% | 6,150 |
| Equity capital to assets | 26.3334% | 83 |
| Core capital (leverage) ratio | 26.4834% | 80 |
| Tier 1 risk-based capital ratio | 30.2316% | 529 |
| Total risk-based capital ratio | 31.5168% | 522 |
| Memoranda: | ||
| Average total assets | $74,845,000 | 5,135 |
| Average earning assets | $69,594,000 | 5,101 |
| Average equity | $19,537,000 | 3,284 |
| Average total loans | $64,347,500 | 4,354 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.3606% | 10 |
| Cost of funding earning assets | 0.8770% | 444 |
| Net interest margin | 13.4836% | 11 |
| Noninterest income to average assets | 0.1045% | 6,136 |
| Noninterest expense to average assets | 3.8517% | 911 |
| Loan and lease loss provision to assets | 2.0161% | 27 |
| Net operating income to assets | 3.9372% | 59 |
| Return on assets (ROA) | 3.9372% | 60 |
| Pretax return on assets | 6.5724% | 40 |
| Return on Equity (ROE) | 14.8578% | 804 |
| Retained earnings to average equity (ytd only) | 1.1681% | 5,252 |
| Net charge-offs to loans | 2.4758% | 61 |
| Credit loss provision to net charge-offs | 94.6463% | 2,545 |
| Earnings coverage of net charge-offs (x) | 4.0319% | 3,755 |
| Efficiency ratio | 30.9615% | 6,462 |
| Assets per employee ($millions) | 2.9931% | 5,708 |
| Cash dividends to net income (ytd only)* | 92.1379% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1492% | 119 |
| Loan loss allowance to noncurrent loans | 361.4130% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 1.1159% | 2,519 |
| Noncurrent loans to loans | 1.1480% | 2,548 |
| Net loans and leases to total assets | 82.1214% | 511 |
| Net loans and leases to deposits | 116.3542% | 135 |
| Net loans and leases to core deposits | 127.7181% | 273 |
| Total domestic deposits to total assets | 70.5788% | 6,172 |
| Equity capital to assets | 25.8730% | 89 |
| Core capital (leverage) ratio | 26.1751% | 84 |
| Tier 1 risk-based capital ratio | 29.4392% | 535 |
| Total risk-based capital ratio | 30.7369% | 522 |
| Memoranda: | ||
| Average total assets | $73,656,400 | 5,195 |
| Average earning assets | $67,385,600 | 5,188 |
| Average equity | $19,518,400 | 3,211 |
| Average total loans | $63,373,600 | 4,386 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5155% | 10 |
| Cost of funding earning assets | 0.8849% | 453 |
| Net interest margin | 13.6306% | 10 |
| Noninterest income to average assets | 0.1563% | 5,974 |
| Noninterest expense to average assets | 3.7856% | 990 |
| Loan and lease loss provision to assets | 1.8810% | 36 |
| Net operating income to assets | 4.1491% | 61 |
| Return on assets (ROA) | 4.1491% | 61 |
| Pretax return on assets | 6.9188% | 40 |
| Return on Equity (ROE) | 15.5636% | 741 |
| Retained earnings to average equity (ytd only) | -0.4090% | 5,863 |
| Net charge-offs to loans | 2.2936% | 80 |
| Credit loss provision to net charge-offs | 95.2162% | 2,340 |
| Earnings coverage of net charge-offs (x) | 4.4545% | 3,454 |
| Efficiency ratio | 30.0794% | 6,542 |
| Assets per employee ($millions) | 3.0909% | 5,609 |
| Cash dividends to net income (ytd only)* | 102.6282% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2151% | 138 |
| Loan loss allowance to noncurrent loans | 390.7112% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.9908% | 2,973 |
| Noncurrent loans to loans | 1.0788% | 2,916 |
| Net loans and leases to total assets | 82.4634% | 465 |
| Net loans and leases to deposits | 116.5977% | 122 |
| Net loans and leases to core deposits | 130.2634% | 231 |
| Total domestic deposits to total assets | 70.7247% | 6,245 |
| Equity capital to assets | 25.6828% | 90 |
| Core capital (leverage) ratio | 25.6367% | 82 |
| Tier 1 risk-based capital ratio | 29.1793% | 567 |
| Total risk-based capital ratio | 30.4650% | 554 |
| Memoranda: | ||
| Average total assets | $73,363,750 | 5,257 |
| Average earning assets | $66,897,000 | 5,259 |
| Average equity | $19,558,000 | 3,215 |
| Average total loans | $63,189,750 | 4,427 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.6228% | 10 |
| Cost of funding earning assets | 0.9158% | 396 |
| Net interest margin | 13.7070% | 10 |
| Noninterest income to average assets | 0.0930% | 6,310 |
| Noninterest expense to average assets | 3.6803% | 1,172 |
| Loan and lease loss provision to assets | 1.9291% | 37 |
| Net operating income to assets | 4.1565% | 57 |
| Return on assets (ROA) | 4.1565% | 58 |
| Pretax return on assets | 6.9338% | 40 |
| Return on Equity (ROE) | 15.4005% | 731 |
| Retained earnings to average equity (ytd only) | 13.3829% | 303 |
| Net charge-offs to loans | 2.0710% | 107 |
| Credit loss provision to net charge-offs | 108.1288% | 1,851 |
| Earnings coverage of net charge-offs (x) | 4.9678% | 3,010 |
| Efficiency ratio | 29.3412% | 6,609 |
| Assets per employee ($millions) | 3.2223% | 5,389 |
| Cash dividends to net income (ytd only)* | 13.1007% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4001% | 131 |
| Loan loss allowance to noncurrent loans | 371.4475% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 1.1644% | 2,749 |
| Noncurrent loans to loans | 1.1846% | 2,861 |
| Net loans and leases to total assets | 81.9953% | 466 |
| Net loans and leases to deposits | 118.9237% | 94 |
| Net loans and leases to core deposits | 131.6679% | 215 |
| Total domestic deposits to total assets | 68.9478% | 6,389 |
| Equity capital to assets | 27.5535% | 73 |
| Core capital (leverage) ratio | 28.0662% | 68 |
| Tier 1 risk-based capital ratio | 31.3630% | 469 |
| Total risk-based capital ratio | 32.6379% | 463 |
| Memoranda: | ||
| Average total assets | $73,091,000 | 5,307 |
| Average earning assets | $66,389,670 | 5,312 |
| Average equity | $19,726,670 | 3,201 |
| Average total loans | $62,964,670 | 4,456 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.8333% | 8 |
| Cost of funding earning assets | 0.9393% | 364 |
| Net interest margin | 13.8941% | 9 |
| Noninterest income to average assets | 0.2260% | 5,547 |
| Noninterest expense to average assets | 3.8468% | 923 |
| Loan and lease loss provision to assets | 2.0667% | 38 |
| Net operating income to assets | 4.1114% | 61 |
| Return on assets (ROA) | 4.1114% | 63 |
| Pretax return on assets | 6.8670% | 44 |
| Return on Equity (ROE) | 15.3977% | 720 |
| Retained earnings to average equity (ytd only) | 11.9095% | 623 |
| Net charge-offs to loans | 2.4640% | 92 |
| Credit loss provision to net charge-offs | 97.1503% | 1,724 |
| Earnings coverage of net charge-offs (x) | 4.1995% | 2,559 |
| Efficiency ratio | 30.0992% | 6,674 |
| Assets per employee ($millions) | 3.0088% | 5,847 |
| Cash dividends to net income (ytd only)* | 22.6542% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3534% | 144 |
| Loan loss allowance to noncurrent loans | 407.3025% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 1.1023% | 3,051 |
| Noncurrent loans to loans | 1.0688% | 3,285 |
| Net loans and leases to total assets | 83.1510% | 285 |
| Net loans and leases to deposits | 120.9487% | 68 |
| Net loans and leases to core deposits | 132.8224% | 165 |
| Total domestic deposits to total assets | 68.7490% | 6,493 |
| Equity capital to assets | 27.2406% | 79 |
| Core capital (leverage) ratio | 27.0176% | 79 |
| Tier 1 risk-based capital ratio | 30.5930% | 505 |
| Total risk-based capital ratio | 31.8804% | 496 |
| Memoranda: | ||
| Average total assets | $72,579,500 | 5,377 |
| Average earning assets | $65,582,000 | 5,386 |
| Average equity | $19,379,500 | 3,241 |
| Average total loans | $62,663,500 | 4,507 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.7367% | 10 |
| Cost of funding earning assets | 1.1642% | 207 |
| Net interest margin | 13.5725% | 10 |
| Noninterest income to average assets | 0.0392% | 6,577 |
| Noninterest expense to average assets | 3.5812% | 1,483 |
| Loan and lease loss provision to assets | 1.7217% | 62 |
| Net operating income to assets | 4.1700% | 61 |
| Return on assets (ROA) | 4.1700% | 60 |
| Pretax return on assets | 6.9842% | 40 |
| Return on Equity (ROE) | 17.4371% | 459 |
| Retained earnings to average equity (ytd only) | 15.5341% | 156 |
| Net charge-offs to loans | 2.3807% | 126 |
| Credit loss provision to net charge-offs | 84.5491% | 2,911 |
| Earnings coverage of net charge-offs (x) | 4.2752% | 3,620 |
| Efficiency ratio | 29.1461% | 6,768 |
| Assets per employee ($millions) | 2.9179% | 5,959 |
| Cash dividends to net income (ytd only)* | 10.9132% | 4,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3870% | 148 |
| Loan loss allowance to noncurrent loans | 340.4467% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 1.2310% | 2,945 |
| Noncurrent loans to loans | 1.2886% | 2,979 |
| Net loans and leases to total assets | 81.9842% | 419 |
| Net loans and leases to deposits | 116.5858% | 90 |
| Net loans and leases to core deposits | 126.7942% | 229 |
| Total domestic deposits to total assets | 70.3209% | 6,509 |
| Equity capital to assets | 26.1669% | 83 |
| Core capital (leverage) ratio | 26.0687% | 80 |
| Tier 1 risk-based capital ratio | 29.6092% | 518 |
| Total risk-based capital ratio | 30.8958% | 509 |
| Memoranda: | ||
| Average total assets | $74,053,000 | 5,374 |
| Average earning assets | $66,826,200 | 5,379 |
| Average equity | $17,709,400 | 3,467 |
| Average total loans | $63,341,800 | 4,503 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.6175% | 12 |
| Cost of funding earning assets | 1.2199% | 181 |
| Net interest margin | 13.3975% | 11 |
| Noninterest income to average assets | 0.0700% | 6,573 |
| Noninterest expense to average assets | 3.6342% | 1,340 |
| Loan and lease loss provision to assets | 1.7489% | 54 |
| Net operating income to assets | 4.0539% | 60 |
| Return on assets (ROA) | 4.0539% | 62 |
| Pretax return on assets | 6.7822% | 41 |
| Return on Equity (ROE) | 17.3527% | 507 |
| Retained earnings to average equity (ytd only) | 14.9648% | 203 |
| Net charge-offs to loans | 2.2578% | 152 |
| Credit loss provision to net charge-offs | 90.6134% | 2,626 |
| Earnings coverage of net charge-offs (x) | 4.4201% | 3,447 |
| Efficiency ratio | 29.8732% | 6,834 |
| Assets per employee ($millions) | 2.7978% | 6,158 |
| Cash dividends to net income (ytd only)* | 13.7612% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5591% | 156 |
| Loan loss allowance to noncurrent loans | 345.2581% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 1.3953% | 2,866 |
| Noncurrent loans to loans | 1.3205% | 3,209 |
| Net loans and leases to total assets | 82.7679% | 311 |
| Net loans and leases to deposits | 117.4702% | 85 |
| Net loans and leases to core deposits | 127.0699% | 225 |
| Total domestic deposits to total assets | 70.4586% | 6,578 |
| Equity capital to assets | 25.1822% | 89 |
| Core capital (leverage) ratio | 25.1486% | 85 |
| Tier 1 risk-based capital ratio | 28.2915% | 610 |
| Total risk-based capital ratio | 29.5808% | 594 |
| Memoranda: | ||
| Average total assets | $74,329,500 | 5,424 |
| Average earning assets | $67,105,250 | 5,428 |
| Average equity | $17,364,750 | 3,552 |
| Average total loans | $63,540,000 | 4,540 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.4144% | 11 |
| Cost of funding earning assets | 1.2878% | 150 |
| Net interest margin | 13.1266% | 11 |
| Noninterest income to average assets | 0.1603% | 6,252 |
| Noninterest expense to average assets | 3.5560% | 1,488 |
| Loan and lease loss provision to assets | 1.8034% | 64 |
| Net operating income to assets | 4.0182% | 62 |
| Return on assets (ROA) | 4.0182% | 67 |
| Pretax return on assets | 6.6472% | 41 |
| Return on Equity (ROE) | 17.6453% | 493 |
| Retained earnings to average equity (ytd only) | 14.3134% | 279 |
| Net charge-offs to loans | 2.2577% | 178 |
| Credit loss provision to net charge-offs | 93.8804% | 2,354 |
| Earnings coverage of net charge-offs (x) | 4.3992% | 3,144 |
| Efficiency ratio | 29.6173% | 6,883 |
| Assets per employee ($millions) | 2.9456% | 5,938 |
| Cash dividends to net income (ytd only)* | 18.8830% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6252% | 160 |
| Loan loss allowance to noncurrent loans | 285.8674% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 1.6323% | 2,658 |
| Noncurrent loans to loans | 1.6179% | 2,882 |
| Net loans and leases to total assets | 82.1318% | 353 |
| Net loans and leases to deposits | 113.1988% | 105 |
| Net loans and leases to core deposits | 123.2822% | 266 |
| Total domestic deposits to total assets | 72.5553% | 6,533 |
| Equity capital to assets | 23.9126% | 102 |
| Core capital (leverage) ratio | 23.6309% | 98 |
| Tier 1 risk-based capital ratio | 26.9629% | 696 |
| Total risk-based capital ratio | 28.2533% | 681 |
| Memoranda: | ||
| Average total assets | $74,858,670 | 5,441 |
| Average earning assets | $67,557,330 | 5,458 |
| Average equity | $17,047,000 | 3,615 |
| Average total loans | $63,692,330 | 4,553 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.2409% | 10 |
| Cost of funding earning assets | 1.3476% | 129 |
| Net interest margin | 12.8934% | 12 |
| Noninterest income to average assets | 0.1749% | 6,210 |
| Noninterest expense to average assets | 3.5406% | 1,544 |
| Loan and lease loss provision to assets | 1.9876% | 59 |
| Net operating income to assets | 3.7897% | 68 |
| Return on assets (ROA) | 3.7897% | 73 |
| Pretax return on assets | 6.2596% | 49 |
| Return on Equity (ROE) | 17.0583% | 507 |
| Retained earnings to average equity (ytd only) | 16.4142% | 253 |
| Net charge-offs to loans | 2.7447% | 142 |
| Credit loss provision to net charge-offs | 85.6164% | 2,090 |
| Earnings coverage of net charge-offs (x) | 3.5525% | 2,744 |
| Efficiency ratio | 30.0360% | 6,960 |
| Assets per employee ($millions) | 3.2735% | 5,495 |
| Cash dividends to net income (ytd only)* | 3.7762% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5706% | 186 |
| Loan loss allowance to noncurrent loans | 290.2390% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 1.5925% | 2,875 |
| Noncurrent loans to loans | 1.5748% | 3,171 |
| Net loans and leases to total assets | 80.8091% | 365 |
| Net loans and leases to deposits | 110.2690% | 126 |
| Net loans and leases to core deposits | 119.7418% | 287 |
| Total domestic deposits to total assets | 73.2837% | 6,580 |
| Equity capital to assets | 22.7265% | 133 |
| Core capital (leverage) ratio | 22.5079% | 120 |
| Tier 1 risk-based capital ratio | 26.0688% | 776 |
| Total risk-based capital ratio | 27.3584% | 762 |
| Memoranda: | ||
| Average total assets | $75,468,500 | 5,471 |
| Average earning assets | $67,973,000 | 5,497 |
| Average equity | $16,766,000 | 3,704 |
| Average total loans | $63,831,500 | 4,571 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.4976% | 10 |
| Cost of funding earning assets | 1.5119% | 155 |
| Net interest margin | 12.9857% | 12 |
| Noninterest income to average assets | 0.0686% | 6,625 |
| Noninterest expense to average assets | 2.9011% | 3,634 |
| Loan and lease loss provision to assets | 1.6147% | 182 |
| Net operating income to assets | 4.4095% | 49 |
| Return on assets (ROA) | 4.4095% | 49 |
| Pretax return on assets | 7.2837% | 37 |
| Return on Equity (ROE) | 21.9729% | 222 |
| Retained earnings to average equity (ytd only) | 20.0150% | 61 |
| Net charge-offs to loans | 2.1429% | 326 |
| Credit loss provision to net charge-offs | 87.8477% | 3,555 |
| Earnings coverage of net charge-offs (x) | 4.8411% | 3,231 |
| Efficiency ratio | 24.5866% | 7,038 |
| Assets per employee ($millions) | 3.2890% | 5,439 |
| Cash dividends to net income (ytd only)* | 8.9106% | 4,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6583% | 168 |
| Loan loss allowance to noncurrent loans | 259.7731% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 1.7780% | 2,742 |
| Noncurrent loans to loans | 1.7932% | 2,930 |
| Net loans and leases to total assets | 80.5462% | 418 |
| Net loans and leases to deposits | 107.4243% | 196 |
| Net loans and leases to core deposits | 118.4971% | 312 |
| Total domestic deposits to total assets | 74.9795% | 6,446 |
| Equity capital to assets | 21.7077% | 161 |
| Core capital (leverage) ratio | 21.4448% | 148 |
| Tier 1 risk-based capital ratio | 24.9080% | 862 |
| Total risk-based capital ratio | 26.1995% | 850 |
| Memoranda: | ||
| Average total assets | $74,316,400 | 5,500 |
| Average earning assets | $67,135,400 | 5,515 |
| Average equity | $14,913,800 | 3,982 |
| Average total loans | $63,744,800 | 4,574 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.4632% | 11 |
| Cost of funding earning assets | 1.5234% | 180 |
| Net interest margin | 12.9399% | 13 |
| Noninterest income to average assets | 0.0739% | 6,719 |
| Noninterest expense to average assets | 2.8546% | 3,776 |
| Loan and lease loss provision to assets | 1.6219% | 184 |
| Net operating income to assets | 4.4008% | 55 |
| Return on assets (ROA) | 4.4008% | 56 |
| Pretax return on assets | 7.3077% | 39 |
| Return on Equity (ROE) | 22.3975% | 220 |
| Retained earnings to average equity (ytd only) | 20.8474% | 76 |
| Net charge-offs to loans | 2.0867% | 331 |
| Credit loss provision to net charge-offs | 90.2708% | 3,284 |
| Earnings coverage of net charge-offs (x) | 4.9699% | 3,147 |
| Efficiency ratio | 24.2239% | 7,140 |
| Assets per employee ($millions) | 3.2841% | 5,473 |
| Cash dividends to net income (ytd only)* | 6.9206% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6978% | 183 |
| Loan loss allowance to noncurrent loans | 271.4795% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 1.7039% | 3,037 |
| Noncurrent loans to loans | 1.7304% | 3,193 |
| Net loans and leases to total assets | 81.8082% | 357 |
| Net loans and leases to deposits | 107.9297% | 195 |
| Net loans and leases to core deposits | 118.9150% | 329 |
| Total domestic deposits to total assets | 75.7977% | 6,410 |
| Equity capital to assets | 20.7959% | 212 |
| Core capital (leverage) ratio | 21.0658% | 170 |
| Tier 1 risk-based capital ratio | 23.6962% | 1,064 |
| Total risk-based capital ratio | 24.9852% | 1,037 |
| Memoranda: | ||
| Average total assets | $73,984,000 | 5,571 |
| Average earning assets | $66,954,250 | 5,585 |
| Average equity | $14,537,000 | 4,093 |
| Average total loans | $63,704,250 | 4,630 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.4400% | 11 |
| Cost of funding earning assets | 1.5509% | 190 |
| Net interest margin | 12.8891% | 13 |
| Noninterest income to average assets | 0.0653% | 6,805 |
| Noninterest expense to average assets | 2.7659% | 4,152 |
| Loan and lease loss provision to assets | 1.7967% | 181 |
| Net operating income to assets | 4.3121% | 57 |
| Return on assets (ROA) | 4.3121% | 58 |
| Pretax return on assets | 7.1542% | 43 |
| Return on Equity (ROE) | 22.3940% | 238 |
| Retained earnings to average equity (ytd only) | 20.3299% | 101 |
| Net charge-offs to loans | 2.1824% | 361 |
| Credit loss provision to net charge-offs | 95.5137% | 2,888 |
| Earnings coverage of net charge-offs (x) | 4.7583% | 2,994 |
| Efficiency ratio | 23.6059% | 7,199 |
| Assets per employee ($millions) | 3.1953% | 5,653 |
| Cash dividends to net income (ytd only)* | 9.2172% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8940% | 175 |
| Loan loss allowance to noncurrent loans | 363.9766% | 995 |
| Noncurrent assets plus other real estate owned to assets | 1.4845% | 3,476 |
| Noncurrent loans to loans | 1.3446% | 3,910 |
| Net loans and leases to total assets | 82.2892% | 322 |
| Net loans and leases to deposits | 107.9485% | 182 |
| Net loans and leases to core deposits | 117.2811% | 361 |
| Total domestic deposits to total assets | 76.2301% | 6,426 |
| Equity capital to assets | 20.2294% | 225 |
| Core capital (leverage) ratio | 19.9987% | 205 |
| Tier 1 risk-based capital ratio | 23.0832% | 1,116 |
| Total risk-based capital ratio | 24.3769% | 1,097 |
| Memoranda: | ||
| Average total assets | $73,467,330 | 5,618 |
| Average earning assets | $66,412,670 | 5,632 |
| Average equity | $14,146,670 | 4,171 |
| Average total loans | $63,326,000 | 4,661 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.3503% | 12 |
| Cost of funding earning assets | 1.6058% | 185 |
| Net interest margin | 12.7444% | 13 |
| Noninterest income to average assets | 0.0327% | 7,001 |
| Noninterest expense to average assets | 2.7990% | 4,029 |
| Loan and lease loss provision to assets | 1.9604% | 147 |
| Net operating income to assets | 4.1005% | 66 |
| Return on assets (ROA) | 4.1005% | 71 |
| Pretax return on assets | 6.8123% | 46 |
| Return on Equity (ROE) | 21.8475% | 280 |
| Retained earnings to average equity (ytd only) | 21.1801% | 154 |
| Net charge-offs to loans | 2.6268% | 304 |
| Credit loss provision to net charge-offs | 86.7470% | 2,609 |
| Earnings coverage of net charge-offs (x) | 3.8819% | 2,719 |
| Efficiency ratio | 24.1882% | 7,256 |
| Assets per employee ($millions) | 3.2602% | 5,639 |
| Cash dividends to net income (ytd only)* | 3.0544% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8861% | 192 |
| Loan loss allowance to noncurrent loans | 306.3492% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 1.5763% | 3,490 |
| Noncurrent loans to loans | 1.5949% | 3,726 |
| Net loans and leases to total assets | 80.1664% | 389 |
| Net loans and leases to deposits | 103.8850% | 256 |
| Net loans and leases to core deposits | 112.5398% | 457 |
| Total domestic deposits to total assets | 77.1685% | 6,377 |
| Equity capital to assets | 18.8814% | 286 |
| Core capital (leverage) ratio | 19.2399% | 233 |
| Tier 1 risk-based capital ratio | 22.0190% | 1,281 |
| Total risk-based capital ratio | 23.3134% | 1,248 |
| Memoranda: | ||
| Average total assets | $73,455,000 | 5,667 |
| Average earning assets | $66,507,500 | 5,673 |
| Average equity | $13,786,500 | 4,239 |
| Average total loans | $63,195,000 | 4,691 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.9833% | 13 |
| Cost of funding earning assets | 1.8859% | 159 |
| Net interest margin | 13.0974% | 13 |
| Noninterest income to average assets | 0.1006% | 6,637 |
| Noninterest expense to average assets | 2.9192% | 3,880 |
| Loan and lease loss provision to assets | 1.3561% | 585 |
| Net operating income to assets | 4.5960% | 44 |
| Return on assets (ROA) | 4.5960% | 45 |
| Pretax return on assets | 7.6129% | 39 |
| Return on Equity (ROE) | 26.3510% | 85 |
| Retained earnings to average equity (ytd only) | 24.0102% | 26 |
| Net charge-offs to loans | 1.7935% | 822 |
| Credit loss provision to net charge-offs | 83.9350% | 4,282 |
| Earnings coverage of net charge-offs (x) | 5.5514% | 2,756 |
| Efficiency ratio | 24.5554% | 7,315 |
| Assets per employee ($millions) | 3.2694% | 5,580 |
| Cash dividends to net income (ytd only)* | 8.8832% | 3,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9739% | 178 |
| Loan loss allowance to noncurrent loans | 302.5024% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 1.6739% | 3,444 |
| Noncurrent loans to loans | 1.6442% | 3,700 |
| Net loans and leases to total assets | 83.4844% | 234 |
| Net loans and leases to deposits | 107.1522% | 225 |
| Net loans and leases to core deposits | 116.5848% | 432 |
| Total domestic deposits to total assets | 77.9120% | 6,210 |
| Equity capital to assets | 18.6511% | 302 |
| Core capital (leverage) ratio | 18.7573% | 259 |
| Tier 1 risk-based capital ratio | 21.0196% | 1,404 |
| Total risk-based capital ratio | 22.3150% | 1,377 |
| Memoranda: | ||
| Average total assets | $68,580,800 | 5,793 |
| Average earning assets | $61,722,000 | 5,810 |
| Average equity | $11,961,600 | 4,562 |
| Average total loans | $61,778,800 | 4,799 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.0104% | 13 |
| Cost of funding earning assets | 1.9269% | 158 |
| Net interest margin | 13.0835% | 14 |
| Noninterest income to average assets | 0.1633% | 6,429 |
| Noninterest expense to average assets | 2.9148% | 3,867 |
| Loan and lease loss provision to assets | 1.2399% | 619 |
| Net operating income to assets | 4.6448% | 48 |
| Return on assets (ROA) | 4.6448% | 49 |
| Pretax return on assets | 7.7820% | 40 |
| Return on Equity (ROE) | 27.1299% | 94 |
| Retained earnings to average equity (ytd only) | 25.2905% | 36 |
| Net charge-offs to loans | 1.5585% | 914 |
| Credit loss provision to net charge-offs | 87.7437% | 3,863 |
| Earnings coverage of net charge-offs (x) | 6.3844% | 2,561 |
| Efficiency ratio | 24.4188% | 7,387 |
| Assets per employee ($millions) | 3.1623% | 5,762 |
| Cash dividends to net income (ytd only)* | 6.7797% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0955% | 166 |
| Loan loss allowance to noncurrent loans | 344.3024% | 933 |
| Noncurrent assets plus other real estate owned to assets | 1.5668% | 3,745 |
| Noncurrent loans to loans | 1.4800% | 4,080 |
| Net loans and leases to total assets | 86.5531% | 117 |
| Net loans and leases to deposits | 110.9852% | 163 |
| Net loans and leases to core deposits | 120.5988% | 375 |
| Total domestic deposits to total assets | 77.9862% | 6,198 |
| Equity capital to assets | 18.3211% | 358 |
| Core capital (leverage) ratio | 17.9308% | 326 |
| Tier 1 risk-based capital ratio | 20.0223% | 1,678 |
| Total risk-based capital ratio | 21.3205% | 1,639 |
| Memoranda: | ||
| Average total assets | $67,744,500 | 5,850 |
| Average earning assets | $60,960,750 | 5,872 |
| Average equity | $11,598,250 | 4,663 |
| Average total loans | $61,426,000 | 4,850 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.8202% | 12 |
| Cost of funding earning assets | 1.9438% | 174 |
| Net interest margin | 12.8763% | 14 |
| Noninterest income to average assets | 0.2234% | 6,075 |
| Noninterest expense to average assets | 2.8986% | 4,029 |
| Loan and lease loss provision to assets | 1.4299% | 506 |
| Net operating income to assets | 4.5222% | 54 |
| Return on assets (ROA) | 4.5222% | 55 |
| Pretax return on assets | 7.4982% | 45 |
| Return on Equity (ROE) | 27.0693% | 100 |
| Retained earnings to average equity (ytd only) | 24.5728% | 53 |
| Net charge-offs to loans | 1.4617% | 1,026 |
| Credit loss provision to net charge-offs | 108.1081% | 2,834 |
| Earnings coverage of net charge-offs (x) | 6.7500% | 2,340 |
| Efficiency ratio | 24.5088% | 7,458 |
| Assets per employee ($millions) | 3.1924% | 5,656 |
| Cash dividends to net income (ytd only)* | 9.2227% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3769% | 154 |
| Loan loss allowance to noncurrent loans | 617.0956% | 558 |
| Noncurrent assets plus other real estate owned to assets | 1.0551% | 4,777 |
| Noncurrent loans to loans | 0.8713% | 5,214 |
| Net loans and leases to total assets | 84.1157% | 240 |
| Net loans and leases to deposits | 108.7974% | 200 |
| Net loans and leases to core deposits | 121.8610% | 380 |
| Total domestic deposits to total assets | 77.3141% | 6,410 |
| Equity capital to assets | 16.9707% | 486 |
| Core capital (leverage) ratio | 17.2544% | 384 |
| Tier 1 risk-based capital ratio | 18.9264% | 1,871 |
| Total risk-based capital ratio | 20.2281% | 1,819 |
| Memoranda: | ||
| Average total assets | $67,136,000 | 5,921 |
| Average earning assets | $60,498,670 | 5,940 |
| Average equity | $11,215,670 | 4,760 |
| Average total loans | $60,752,000 | 4,927 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.8024% | 14 |
| Cost of funding earning assets | 2.0003% | 166 |
| Net interest margin | 12.8021% | 15 |
| Noninterest income to average assets | 0.1708% | 6,501 |
| Noninterest expense to average assets | 2.9701% | 3,769 |
| Loan and lease loss provision to assets | 1.8296% | 311 |
| Net operating income to assets | 4.1593% | 68 |
| Return on assets (ROA) | 4.1593% | 71 |
| Pretax return on assets | 6.8855% | 49 |
| Return on Equity (ROE) | 25.1105% | 164 |
| Retained earnings to average equity (ytd only) | 24.3741% | 109 |
| Net charge-offs to loans | 1.7760% | 734 |
| Credit loss provision to net charge-offs | 112.7820% | 2,380 |
| Earnings coverage of net charge-offs (x) | 5.3722% | 2,294 |
| Efficiency ratio | 25.4175% | 7,511 |
| Assets per employee ($millions) | 2.9722% | 6,194 |
| Cash dividends to net income (ytd only)* | 2.9326% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5420% | 136 |
| Loan loss allowance to noncurrent loans | 469.2308% | 679 |
| Noncurrent assets plus other real estate owned to assets | 1.4743% | 4,041 |
| Noncurrent loans to loans | 1.1811% | 4,713 |
| Net loans and leases to total assets | 87.4518% | 92 |
| Net loans and leases to deposits | 114.7562% | 125 |
| Net loans and leases to core deposits | 129.8994% | 273 |
| Total domestic deposits to total assets | 76.2066% | 6,638 |
| Equity capital to assets | 17.1224% | 430 |
| Core capital (leverage) ratio | 16.5711% | 431 |
| Tier 1 risk-based capital ratio | 18.3585% | 2,003 |
| Total risk-based capital ratio | 19.6641% | 1,934 |
| Memoranda: | ||
| Average total assets | $65,587,500 | 6,005 |
| Average earning assets | $58,990,500 | 6,030 |
| Average equity | $10,864,000 | 4,827 |
| Average total loans | $59,911,000 | 5,005 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.4163% | 17 |
| Cost of funding earning assets | 2.4125% | 145 |
| Net interest margin | 12.0038% | 20 |
| Noninterest income to average assets | 0.2286% | 6,172 |
| Noninterest expense to average assets | 2.9907% | 3,884 |
| Loan and lease loss provision to assets | 1.9049% | 711 |
| Net operating income to assets | 3.7034% | 47 |
| Return on assets (ROA) | 3.7034% | 47 |
| Pretax return on assets | 6.0750% | 38 |
| Return on Equity (ROE) | 24.7234% | 107 |
| Retained earnings to average equity (ytd only) | 22.0741% | 34 |
| Net charge-offs to loans | 1.7982% | 1,172 |
| Credit loss provision to net charge-offs | 119.1658% | 3,559 |
| Earnings coverage of net charge-offs (x) | 4.9921% | 2,744 |
| Efficiency ratio | 27.2609% | 7,594 |
| Assets per employee ($millions) | 2.9903% | 6,120 |
| Cash dividends to net income (ytd only)* | 10.7158% | 3,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6018% | 130 |
| Loan loss allowance to noncurrent loans | 380.4124% | 821 |
| Noncurrent assets plus other real estate owned to assets | 1.6265% | 3,871 |
| Noncurrent loans to loans | 1.4726% | 4,275 |
| Net loans and leases to total assets | 85.0670% | 233 |
| Net loans and leases to deposits | 108.9050% | 251 |
| Net loans and leases to core deposits | 120.1232% | 526 |
| Total domestic deposits to total assets | 78.1112% | 6,290 |
| Equity capital to assets | 16.0092% | 580 |
| Core capital (leverage) ratio | 15.8109% | 530 |
| Tier 1 risk-based capital ratio | 17.9457% | 2,013 |
| Total risk-based capital ratio | 19.2519% | 1,959 |
| Memoranda: | ||
| Average total assets | $62,996,000 | 6,089 |
| Average earning assets | $56,373,800 | 6,123 |
| Average equity | $9,436,400 | 5,286 |
| Average total loans | $56,000,600 | 5,234 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.3287% | 17 |
| Cost of funding earning assets | 2.4900% | 144 |
| Net interest margin | 11.8387% | 21 |
| Noninterest income to average assets | 0.3531% | 5,342 |
| Noninterest expense to average assets | 2.9920% | 3,775 |
| Loan and lease loss provision to assets | 2.0546% | 575 |
| Net operating income to assets | 3.6469% | 48 |
| Return on assets (ROA) | 3.6469% | 50 |
| Pretax return on assets | 5.8791% | 39 |
| Return on Equity (ROE) | 24.7961% | 124 |
| Retained earnings to average equity (ytd only) | 22.8607% | 49 |
| Net charge-offs to loans | 1.7035% | 1,148 |
| Credit loss provision to net charge-offs | 136.1702% | 2,945 |
| Earnings coverage of net charge-offs (x) | 5.2581% | 2,793 |
| Efficiency ratio | 27.3849% | 7,698 |
| Assets per employee ($millions) | 3.0218% | 6,105 |
| Cash dividends to net income (ytd only)* | 7.8052% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7738% | 116 |
| Loan loss allowance to noncurrent loans | 435.3925% | 688 |
| Noncurrent assets plus other real estate owned to assets | 1.3974% | 4,361 |
| Noncurrent loans to loans | 1.3261% | 4,646 |
| Net loans and leases to total assets | 83.0460% | 404 |
| Net loans and leases to deposits | 106.4044% | 347 |
| Net loans and leases to core deposits | 117.3386% | 704 |
| Total domestic deposits to total assets | 78.0475% | 6,246 |
| Equity capital to assets | 15.0797% | 871 |
| Core capital (leverage) ratio | 14.8846% | 736 |
| Tier 1 risk-based capital ratio | 17.2372% | 2,266 |
| Total risk-based capital ratio | 18.5437% | 2,204 |
| Memoranda: | ||
| Average total assets | $62,298,250 | 6,181 |
| Average earning assets | $55,635,250 | 6,210 |
| Average equity | $9,162,500 | 5,446 |
| Average total loans | $55,179,750 | 5,337 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.2184% | 22 |
| Cost of funding earning assets | 2.5560% | 144 |
| Net interest margin | 11.6624% | 22 |
| Noninterest income to average assets | 0.3842% | 5,046 |
| Noninterest expense to average assets | 3.0014% | 3,704 |
| Loan and lease loss provision to assets | 2.3644% | 490 |
| Net operating income to assets | 3.3167% | 61 |
| Return on assets (ROA) | 3.3167% | 66 |
| Pretax return on assets | 5.4019% | 45 |
| Return on Equity (ROE) | 22.7606% | 184 |
| Retained earnings to average equity (ytd only) | 20.1465% | 87 |
| Net charge-offs to loans | 1.7690% | 1,054 |
| Credit loss provision to net charge-offs | 150.6276% | 2,605 |
| Earnings coverage of net charge-offs (x) | 4.9477% | 2,799 |
| Efficiency ratio | 27.8744% | 7,762 |
| Assets per employee ($millions) | 3.0584% | 6,015 |
| Cash dividends to net income (ytd only)* | 11.4851% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9410% | 107 |
| Loan loss allowance to noncurrent loans | 548.8599% | 595 |
| Noncurrent assets plus other real estate owned to assets | 1.2363% | 4,676 |
| Noncurrent loans to loans | 1.0824% | 5,153 |
| Net loans and leases to total assets | 83.0723% | 431 |
| Net loans and leases to deposits | 106.1644% | 387 |
| Net loans and leases to core deposits | 118.7227% | 739 |
| Total domestic deposits to total assets | 78.2487% | 6,213 |
| Equity capital to assets | 14.5595% | 994 |
| Core capital (leverage) ratio | 15.0452% | 713 |
| Tier 1 risk-based capital ratio | 16.3889% | 2,523 |
| Total risk-based capital ratio | 17.6991% | 2,441 |
| Memoranda: | ||
| Average total assets | $60,904,330 | 6,267 |
| Average earning assets | $54,225,670 | 6,314 |
| Average equity | $8,875,000 | 5,540 |
| Average total loans | $54,042,330 | 5,419 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.9922% | 24 |
| Cost of funding earning assets | 2.8151% | 80 |
| Net interest margin | 11.1771% | 25 |
| Noninterest income to average assets | 0.4119% | 4,798 |
| Noninterest expense to average assets | 3.0923% | 3,296 |
| Loan and lease loss provision to assets | 3.2409% | 298 |
| Net operating income to assets | 2.4914% | 151 |
| Return on assets (ROA) | 2.4914% | 166 |
| Pretax return on assets | 4.0241% | 75 |
| Return on Equity (ROE) | 17.0893% | 598 |
| Retained earnings to average equity (ytd only) | 17.0893% | 277 |
| Net charge-offs to loans | 2.0037% | 855 |
| Credit loss provision to net charge-offs | 181.8182% | 2,010 |
| Earnings coverage of net charge-offs (x) | 4.0758% | 2,711 |
| Efficiency ratio | 29.8566% | 7,850 |
| Assets per employee ($millions) | 2.7933% | 6,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2493% | 89 |
| Loan loss allowance to noncurrent loans | 679.6748% | 471 |
| Noncurrent assets plus other real estate owned to assets | 1.3809% | 4,437 |
| Noncurrent loans to loans | 0.9195% | 5,478 |
| Net loans and leases to total assets | 85.5214% | 247 |
| Net loans and leases to deposits | 111.6264% | 260 |
| Net loans and leases to core deposits | 131.0057% | 468 |
| Total domestic deposits to total assets | 76.6140% | 6,638 |
| Equity capital to assets | 15.0395% | 875 |
| Core capital (leverage) ratio | 13.7089% | 1,025 |
| Tier 1 risk-based capital ratio | 15.8139% | 2,722 |
| Total risk-based capital ratio | 17.1280% | 2,639 |
| Memoranda: | ||
| Average total assets | $59,243,500 | 6,418 |
| Average earning assets | $52,715,000 | 6,451 |
| Average equity | $8,637,000 | 5,650 |
| Average total loans | $52,701,500 | 5,551 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.6132% | 20 |
| Cost of funding earning assets | 3.3356% | 83 |
| Net interest margin | 10.2776% | 26 |
| Noninterest income to average assets | 0.0874% | 7,322 |
| Noninterest expense to average assets | 3.4454% | 2,539 |
| Loan and lease loss provision to assets | 3.5660% | 430 |
| Net operating income to assets | 1.4369% | 791 |
| Return on assets (ROA) | 1.4369% | 845 |
| Pretax return on assets | 2.2917% | 228 |
| Return on Equity (ROE) | 10.2530% | 1,619 |
| Retained earnings to average equity (ytd only) | 10.2530% | 348 |
| Net charge-offs to loans | 3.9560% | 428 |
| Credit loss provision to net charge-offs | 99.9021% | 5,585 |
| Earnings coverage of net charge-offs (x) | 1.6410% | 4,510 |
| Efficiency ratio | 37.0349% | 7,894 |
| Assets per employee ($millions) | 2.8490% | 6,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0278% | 99 |
| Loan loss allowance to noncurrent loans | 465.4762% | 714 |
| Noncurrent assets plus other real estate owned to assets | 1.5394% | 4,071 |
| Noncurrent loans to loans | 1.2950% | 4,765 |
| Net loans and leases to total assets | 81.5087% | 761 |
| Net loans and leases to deposits | 106.4459% | 526 |
| Net loans and leases to core deposits | 160.5961% | 336 |
| Total domestic deposits to total assets | 76.5728% | 6,572 |
| Equity capital to assets | 14.1272% | 1,127 |
| Core capital (leverage) ratio | 13.1465% | 1,201 |
| Tier 1 risk-based capital ratio | 15.2281% | 2,835 |
| Total risk-based capital ratio | 16.5402% | 2,762 |
| Memoranda: | ||
| Average total assets | $57,207,400 | 6,456 |
| Average earning assets | $51,295,800 | 6,484 |
| Average equity | $8,017,200 | 5,916 |
| Average total loans | $51,618,000 | 5,599 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.5721% | 20 |
| Cost of funding earning assets | 3.4140% | 100 |
| Net interest margin | 10.1580% | 25 |
| Noninterest income to average assets | 0.1273% | 7,249 |
| Noninterest expense to average assets | 3.5105% | 2,255 |
| Loan and lease loss provision to assets | 3.5365% | 368 |
| Net operating income to assets | 1.3721% | 1,080 |
| Return on assets (ROA) | 1.3721% | 1,139 |
| Pretax return on assets | 2.2068% | 342 |
| Return on Equity (ROE) | 9.8120% | 1,993 |
| Retained earnings to average equity (ytd only) | 9.8120% | 669 |
| Net charge-offs to loans | 4.0737% | 338 |
| Credit loss provision to net charge-offs | 95.2381% | 5,333 |
| Earnings coverage of net charge-offs (x) | 1.5467% | 4,627 |
| Efficiency ratio | 37.9363% | 7,951 |
| Assets per employee ($millions) | 2.6108% | 7,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8243% | 89 |
| Loan loss allowance to noncurrent loans | 408.9692% | 764 |
| Noncurrent assets plus other real estate owned to assets | 1.8002% | 3,660 |
| Noncurrent loans to loans | 1.4241% | 4,541 |
| Net loans and leases to total assets | 86.0023% | 344 |
| Net loans and leases to deposits | 113.2852% | 353 |
| Net loans and leases to core deposits | 170.0740% | 269 |
| Total domestic deposits to total assets | 75.9166% | 6,599 |
| Equity capital to assets | 14.3006% | 1,205 |
| Core capital (leverage) ratio | 12.9865% | 1,382 |
| Tier 1 risk-based capital ratio | 14.5951% | 3,225 |
| Total risk-based capital ratio | 15.9043% | 3,147 |
| Memoranda: | ||
| Average total assets | $56,552,250 | 6,521 |
| Average earning assets | $50,809,000 | 6,544 |
| Average equity | $7,908,500 | 6,014 |
| Average total loans | $51,549,250 | 5,645 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.3615% | 22 |
| Cost of funding earning assets | 3.4868% | 118 |
| Net interest margin | 9.8747% | 26 |
| Noninterest income to average assets | 0.1529% | 7,178 |
| Noninterest expense to average assets | 3.5516% | 2,192 |
| Loan and lease loss provision to assets | 3.4129% | 422 |
| Net operating income to assets | 1.2834% | 1,266 |
| Return on assets (ROA) | 1.2834% | 1,358 |
| Pretax return on assets | 2.0584% | 479 |
| Return on Equity (ROE) | 9.2485% | 2,272 |
| Retained earnings to average equity (ytd only) | 9.2485% | 878 |
| Net charge-offs to loans | 4.2616% | 316 |
| Credit loss provision to net charge-offs | 87.9121% | 4,980 |
| Earnings coverage of net charge-offs (x) | 1.4093% | 4,471 |
| Efficiency ratio | 39.3617% | 8,031 |
| Assets per employee ($millions) | 2.5710% | 7,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7815% | 85 |
| Loan loss allowance to noncurrent loans | 341.8472% | 921 |
| Noncurrent assets plus other real estate owned to assets | 2.1799% | 2,961 |
| Noncurrent loans to loans | 1.6913% | 3,969 |
| Net loans and leases to total assets | 86.3778% | 345 |
| Net loans and leases to deposits | 113.7664% | 405 |
| Net loans and leases to core deposits | 172.5116% | 295 |
| Total domestic deposits to total assets | 75.9255% | 6,569 |
| Equity capital to assets | 14.1190% | 1,268 |
| Core capital (leverage) ratio | 12.5683% | 1,591 |
| Tier 1 risk-based capital ratio | 14.2076% | 3,397 |
| Total risk-based capital ratio | 15.5183% | 3,306 |
| Memoranda: | ||
| Average total assets | $56,257,000 | 6,581 |
| Average earning assets | $50,533,330 | 6,611 |
| Average equity | $7,806,670 | 6,087 |
| Average total loans | $51,248,000 | 5,710 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.1432% | 24 |
| Cost of funding earning assets | 3.5852% | 119 |
| Net interest margin | 9.5580% | 29 |
| Noninterest income to average assets | 0.3066% | 5,990 |
| Noninterest expense to average assets | 3.4507% | 2,231 |
| Loan and lease loss provision to assets | 3.4222% | 306 |
| Net operating income to assets | 1.2619% | 1,472 |
| Return on assets (ROA) | 1.2619% | 1,574 |
| Pretax return on assets | 2.0248% | 640 |
| Return on Equity (ROE) | 9.1745% | 2,646 |
| Retained earnings to average equity (ytd only) | 9.1745% | 1,427 |
| Net charge-offs to loans | 4.5226% | 248 |
| Credit loss provision to net charge-offs | 83.3333% | 4,133 |
| Earnings coverage of net charge-offs (x) | 1.3264% | 4,076 |
| Efficiency ratio | 38.7821% | 8,074 |
| Assets per employee ($millions) | 2.5867% | 7,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9399% | 70 |
| Loan loss allowance to noncurrent loans | 334.8786% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 2.2229% | 2,574 |
| Noncurrent loans to loans | 1.7738% | 3,605 |
| Net loans and leases to total assets | 84.4240% | 629 |
| Net loans and leases to deposits | 110.5247% | 589 |
| Net loans and leases to core deposits | 167.8100% | 378 |
| Total domestic deposits to total assets | 76.3847% | 6,436 |
| Equity capital to assets | 13.7186% | 1,459 |
| Core capital (leverage) ratio | 12.1874% | 1,823 |
| Tier 1 risk-based capital ratio | 14.0747% | 3,539 |
| Total risk-based capital ratio | 15.3867% | 3,435 |
| Memoranda: | ||
| Average total assets | $56,104,500 | 6,632 |
| Average earning assets | $50,429,000 | 6,640 |
| Average equity | $7,717,000 | 6,148 |
| Average total loans | $50,944,500 | 5,761 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.1501% | 27 |
| Cost of funding earning assets | 3.9652% | 109 |
| Net interest margin | 9.1849% | 32 |
| Noninterest income to average assets | 0.3554% | 5,887 |
| Noninterest expense to average assets | 3.2912% | 2,991 |
| Loan and lease loss provision to assets | 3.5900% | 217 |
| Net operating income to assets | 1.1189% | 2,076 |
| Return on assets (ROA) | 1.1189% | 1,988 |
| Pretax return on assets | 1.7731% | 992 |
| Return on Equity (ROE) | 8.4117% | 2,885 |
| Retained earnings to average equity (ytd only) | 8.4117% | 729 |
| Net charge-offs to loans | 3.5871% | 215 |
| Credit loss provision to net charge-offs | 110.4260% | 4,882 |
| Earnings coverage of net charge-offs (x) | 1.6497% | 5,260 |
| Efficiency ratio | 38.0291% | 8,158 |
| Assets per employee ($millions) | 2.5137% | 7,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1601% | 49 |
| Loan loss allowance to noncurrent loans | 263.2464% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 2.5587% | 1,889 |
| Noncurrent loans to loans | 2.3400% | 2,360 |
| Net loans and leases to total assets | 86.2209% | 579 |
| Net loans and leases to deposits | 118.8312% | 416 |
| Net loans and leases to core deposits | 173.2783% | 354 |
| Total domestic deposits to total assets | 72.5575% | 6,905 |
| Equity capital to assets | 13.7918% | 1,500 |
| Core capital (leverage) ratio | 12.1230% | 1,913 |
| Tier 1 risk-based capital ratio | 13.8638% | 3,614 |
| Total risk-based capital ratio | 15.1800% | 3,501 |
| Memoranda: | ||
| Average total assets | $54,874,200 | 6,585 |
| Average earning assets | $49,581,400 | 6,609 |
| Average equity | $7,299,400 | 6,351 |
| Average total loans | $49,733,200 | 5,716 |