Home > Mainland Bank > Performance and Condition Ratios
Mainland Bank, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9027% | 1,279 |
| Cost of funding earning assets | 0.2170% | 4,936 |
| Net interest margin | 4.6857% | 505 |
| Noninterest income to average assets | 0.3515% | 3,754 |
| Noninterest expense to average assets | 3.1559% | 1,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0980% | 2,604 |
| Return on assets (ROA) | 1.1009% | 2,591 |
| Pretax return on assets | 1.3910% | 2,166 |
| Return on Equity (ROE) | 11.4558% | 1,915 |
| Retained earnings to average equity (ytd only) | 6.3557% | 2,003 |
| Net charge-offs to loans | -0.0581% | 5,019 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4655% | 2,291 |
| Assets per employee ($millions) | 6.0950% | 1,463 |
| Cash dividends to net income (ytd only)* | 44.5201% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 1,599 |
| Loan loss allowance to noncurrent loans | 1,458.2278% | 461 |
| Noncurrent assets plus other real estate owned to assets | 1.1492% | 1,154 |
| Noncurrent loans to loans | 0.0966% | 4,309 |
| Net loans and leases to total assets | 60.1219% | 3,761 |
| Net loans and leases to deposits | 69.8663% | 3,839 |
| Net loans and leases to core deposits | 70.6345% | 4,090 |
| Total domestic deposits to total assets | 86.0528% | 2,202 |
| Equity capital to assets | 9.9731% | 3,706 |
| Core capital (leverage) ratio | 10.3338% | 3,218 |
| Tier 1 risk-based capital ratio | 13.7703% | 3,406 |
| Total risk-based capital ratio | 14.8798% | 3,391 |
| Memoranda: | ||
| Average total assets | $133,432,200 | 3,601 |
| Average earning assets | $119,363,800 | 3,655 |
| Average equity | $12,823,200 | 3,909 |
| Average total loans | $87,708,200 | 3,521 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9005% | 1,159 |
| Cost of funding earning assets | 0.2200% | 4,941 |
| Net interest margin | 4.6805% | 491 |
| Noninterest income to average assets | 0.3882% | 3,548 |
| Noninterest expense to average assets | 3.0374% | 1,907 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1866% | 2,283 |
| Return on assets (ROA) | 1.1906% | 2,279 |
| Pretax return on assets | 1.5067% | 1,877 |
| Return on Equity (ROE) | 12.5072% | 1,607 |
| Retained earnings to average equity (ytd only) | 5.6335% | 2,863 |
| Net charge-offs to loans | -0.0762% | 5,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9165% | 2,727 |
| Assets per employee ($millions) | 6.3688% | 1,248 |
| Cash dividends to net income (ytd only)* | 54.9580% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 1,705 |
| Loan loss allowance to noncurrent loans | 1,422.2222% | 442 |
| Noncurrent assets plus other real estate owned to assets | 1.1013% | 1,306 |
| Noncurrent loans to loans | 0.0984% | 4,451 |
| Net loans and leases to total assets | 57.9568% | 4,047 |
| Net loans and leases to deposits | 66.5839% | 4,160 |
| Net loans and leases to core deposits | 67.2734% | 4,333 |
| Total domestic deposits to total assets | 87.0433% | 1,708 |
| Equity capital to assets | 9.3032% | 4,269 |
| Core capital (leverage) ratio | 10.3275% | 3,258 |
| Tier 1 risk-based capital ratio | 13.2303% | 3,770 |
| Total risk-based capital ratio | 14.3175% | 3,779 |
| Memoranda: | ||
| Average total assets | $133,267,500 | 3,633 |
| Average earning assets | $118,190,250 | 3,714 |
| Average equity | $12,685,750 | 3,961 |
| Average total loans | $89,192,750 | 3,525 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0820% | 687 |
| Cost of funding earning assets | 0.2205% | 4,916 |
| Net interest margin | 4.8615% | 327 |
| Noninterest income to average assets | 0.2412% | 4,567 |
| Noninterest expense to average assets | 3.0751% | 1,845 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0857% | 2,638 |
| Return on assets (ROA) | 1.0917% | 2,624 |
| Pretax return on assets | 1.3818% | 2,214 |
| Return on Equity (ROE) | 11.3769% | 1,963 |
| Retained earnings to average equity (ytd only) | 0.9706% | 4,765 |
| Net charge-offs to loans | -0.1115% | 5,200 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1146% | 2,460 |
| Assets per employee ($millions) | 5.7101% | 1,710 |
| Cash dividends to net income (ytd only)* | 91.4685% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 2,183 |
| Loan loss allowance to noncurrent loans | 243.5518% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 1.4734% | 908 |
| Noncurrent loans to loans | 0.5324% | 2,823 |
| Net loans and leases to total assets | 66.7738% | 3,045 |
| Net loans and leases to deposits | 77.6359% | 3,192 |
| Net loans and leases to core deposits | 78.7344% | 3,517 |
| Total domestic deposits to total assets | 86.0088% | 2,270 |
| Equity capital to assets | 9.6609% | 3,954 |
| Core capital (leverage) ratio | 10.0474% | 3,529 |
| Tier 1 risk-based capital ratio | 12.5854% | 4,130 |
| Total risk-based capital ratio | 13.6558% | 4,138 |
| Memoranda: | ||
| Average total assets | $130,985,670 | 3,692 |
| Average earning assets | $113,380,000 | 3,820 |
| Average equity | $12,569,330 | 3,997 |
| Average total loans | $91,471,330 | 3,487 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0001% | 703 |
| Cost of funding earning assets | 0.2035% | 4,998 |
| Net interest margin | 4.7966% | 347 |
| Noninterest income to average assets | 0.2385% | 4,571 |
| Noninterest expense to average assets | 3.1954% | 1,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9420% | 3,102 |
| Return on assets (ROA) | 0.9540% | 3,076 |
| Pretax return on assets | 1.2384% | 2,605 |
| Return on Equity (ROE) | 9.9760% | 2,446 |
| Retained earnings to average equity (ytd only) | -10.9033% | 5,391 |
| Net charge-offs to loans | -0.1250% | 5,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3183% | 2,146 |
| Assets per employee ($millions) | 5.5755% | 1,869 |
| Cash dividends to net income (ytd only)* | 209.2949% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 2,590 |
| Loan loss allowance to noncurrent loans | 1,345.2381% | 475 |
| Noncurrent assets plus other real estate owned to assets | 1.1554% | 1,329 |
| Noncurrent loans to loans | 0.0920% | 4,562 |
| Net loans and leases to total assets | 67.3696% | 2,840 |
| Net loans and leases to deposits | 77.9220% | 3,024 |
| Net loans and leases to core deposits | 78.9940% | 3,402 |
| Total domestic deposits to total assets | 86.4578% | 2,334 |
| Equity capital to assets | 9.0777% | 4,483 |
| Core capital (leverage) ratio | 10.2850% | 3,204 |
| Tier 1 risk-based capital ratio | 12.2200% | 4,421 |
| Total risk-based capital ratio | 13.2707% | 4,426 |
| Memoranda: | ||
| Average total assets | $130,812,000 | 3,735 |
| Average earning assets | $113,997,000 | 3,846 |
| Average equity | $12,510,000 | 4,046 |
| Average total loans | $92,783,000 | 3,490 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9787% | 673 |
| Cost of funding earning assets | 0.2319% | 4,716 |
| Net interest margin | 4.7468% | 390 |
| Noninterest income to average assets | 0.3657% | 3,853 |
| Noninterest expense to average assets | 3.1047% | 1,847 |
| Loan and lease loss provision to assets | 0.1268% | 1,804 |
| Net operating income to assets | 1.4751% | 856 |
| Return on assets (ROA) | 1.5105% | 797 |
| Pretax return on assets | 1.5105% | 1,600 |
| Return on Equity (ROE) | 15.2134% | 583 |
| Retained earnings to average equity (ytd only) | 0.2786% | 4,915 |
| Net charge-offs to loans | 0.2257% | 1,147 |
| Credit loss provision to net charge-offs | 75.0000% | 3,012 |
| Earnings coverage of net charge-offs (x) | 9.4773% | 2,782 |
| Efficiency ratio | 65.9647% | 3,275 |
| Assets per employee ($millions) | 5.5571% | 1,882 |
| Cash dividends to net income (ytd only)* | 98.1689% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 2,971 |
| Loan loss allowance to noncurrent loans | 1,183.8710% | 549 |
| Noncurrent assets plus other real estate owned to assets | 1.2166% | 1,208 |
| Noncurrent loans to loans | 0.0986% | 4,547 |
| Net loans and leases to total assets | 72.9089% | 2,102 |
| Net loans and leases to deposits | 84.6516% | 2,415 |
| Net loans and leases to core deposits | 89.2006% | 2,636 |
| Total domestic deposits to total assets | 86.1282% | 2,379 |
| Equity capital to assets | 10.0717% | 3,620 |
| Core capital (leverage) ratio | 10.1965% | 3,197 |
| Tier 1 risk-based capital ratio | 12.1608% | 4,423 |
| Total risk-based capital ratio | 13.1538% | 4,472 |
| Memoranda: | ||
| Average total assets | $130,158,800 | 3,743 |
| Average earning assets | $119,028,200 | 3,763 |
| Average equity | $12,922,800 | 3,992 |
| Average total loans | $97,463,800 | 3,389 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9090% | 748 |
| Cost of funding earning assets | 0.2380% | 4,669 |
| Net interest margin | 4.6710% | 429 |
| Noninterest income to average assets | 0.3569% | 3,977 |
| Noninterest expense to average assets | 3.0766% | 1,872 |
| Loan and lease loss provision to assets | 0.1020% | 2,069 |
| Net operating income to assets | 1.4807% | 931 |
| Return on assets (ROA) | 1.5215% | 879 |
| Pretax return on assets | 1.5215% | 1,700 |
| Return on Equity (ROE) | 15.3788% | 604 |
| Retained earnings to average equity (ytd only) | 0.9689% | 4,981 |
| Net charge-offs to loans | 0.2850% | 758 |
| Credit loss provision to net charge-offs | 47.6190% | 2,936 |
| Earnings coverage of net charge-offs (x) | 7.3905% | 2,878 |
| Efficiency ratio | 66.0320% | 3,203 |
| Assets per employee ($millions) | 5.6564% | 1,774 |
| Cash dividends to net income (ytd only)* | 93.6997% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 3,577 |
| Loan loss allowance to noncurrent loans | 1,376.3158% | 472 |
| Noncurrent assets plus other real estate owned to assets | 1.1822% | 1,394 |
| Noncurrent loans to loans | 0.0788% | 4,761 |
| Net loans and leases to total assets | 73.3038% | 2,043 |
| Net loans and leases to deposits | 84.7374% | 2,468 |
| Net loans and leases to core deposits | 89.1796% | 2,679 |
| Total domestic deposits to total assets | 86.5070% | 2,102 |
| Equity capital to assets | 10.1171% | 3,782 |
| Core capital (leverage) ratio | 10.3305% | 3,166 |
| Tier 1 risk-based capital ratio | 11.9024% | 4,699 |
| Total risk-based capital ratio | 12.8218% | 4,798 |
| Memoranda: | ||
| Average total assets | $130,745,250 | 3,775 |
| Average earning assets | $120,428,250 | 3,779 |
| Average equity | $12,935,250 | 4,031 |
| Average total loans | $98,257,750 | 3,406 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9234% | 661 |
| Cost of funding earning assets | 0.2504% | 4,541 |
| Net interest margin | 4.6731% | 412 |
| Noninterest income to average assets | 0.3131% | 4,296 |
| Noninterest expense to average assets | 3.1231% | 1,786 |
| Loan and lease loss provision to assets | 0.0916% | 2,153 |
| Net operating income to assets | 1.4310% | 995 |
| Return on assets (ROA) | 1.4630% | 953 |
| Pretax return on assets | 1.4630% | 1,790 |
| Return on Equity (ROE) | 14.8993% | 679 |
| Retained earnings to average equity (ytd only) | 1.5241% | 4,634 |
| Net charge-offs to loans | 0.1193% | 1,451 |
| Credit loss provision to net charge-offs | 101.6949% | 1,984 |
| Earnings coverage of net charge-offs (x) | 16.8983% | 1,955 |
| Efficiency ratio | 67.2255% | 3,148 |
| Assets per employee ($millions) | 5.5233% | 1,849 |
| Cash dividends to net income (ytd only)* | 89.7704% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 2,973 |
| Loan loss allowance to noncurrent loans | 507.4561% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 1.3799% | 1,146 |
| Noncurrent loans to loans | 0.2378% | 4,178 |
| Net loans and leases to total assets | 74.5718% | 1,769 |
| Net loans and leases to deposits | 85.8789% | 2,240 |
| Net loans and leases to core deposits | 90.2675% | 2,493 |
| Total domestic deposits to total assets | 86.8337% | 2,025 |
| Equity capital to assets | 10.4175% | 3,441 |
| Core capital (leverage) ratio | 9.8699% | 3,691 |
| Tier 1 risk-based capital ratio | 11.8701% | 4,718 |
| Total risk-based capital ratio | 12.8839% | 4,755 |
| Memoranda: | ||
| Average total assets | $130,961,330 | 3,788 |
| Average earning assets | $121,419,330 | 3,779 |
| Average equity | $12,859,670 | 4,055 |
| Average total loans | $98,873,000 | 3,417 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7915% | 761 |
| Cost of funding earning assets | 0.2203% | 4,801 |
| Net interest margin | 4.5712% | 460 |
| Noninterest income to average assets | 0.2979% | 4,424 |
| Noninterest expense to average assets | 3.1116% | 1,835 |
| Loan and lease loss provision to assets | 0.1806% | 963 |
| Net operating income to assets | 1.2518% | 1,373 |
| Return on assets (ROA) | 1.2609% | 1,379 |
| Pretax return on assets | 1.2609% | 2,382 |
| Return on Equity (ROE) | 13.2255% | 954 |
| Retained earnings to average equity (ytd only) | -0.6629% | 5,025 |
| Net charge-offs to loans | 0.0957% | 1,407 |
| Credit loss provision to net charge-offs | 250.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 19.8333% | 1,508 |
| Efficiency ratio | 68.4768% | 3,129 |
| Assets per employee ($millions) | 5.6422% | 1,772 |
| Cash dividends to net income (ytd only)* | 105.0119% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 3,416 |
| Loan loss allowance to noncurrent loans | 800.0000% | 709 |
| Noncurrent assets plus other real estate owned to assets | 1.2362% | 1,407 |
| Noncurrent loans to loans | 0.1437% | 4,613 |
| Net loans and leases to total assets | 75.6840% | 1,460 |
| Net loans and leases to deposits | 91.2829% | 1,400 |
| Net loans and leases to core deposits | 95.5643% | 1,847 |
| Total domestic deposits to total assets | 82.9115% | 3,872 |
| Equity capital to assets | 9.3780% | 4,418 |
| Core capital (leverage) ratio | 10.0333% | 3,456 |
| Tier 1 risk-based capital ratio | 11.1403% | 5,232 |
| Total risk-based capital ratio | 12.1293% | 5,293 |
| Memoranda: | ||
| Average total assets | $132,924,000 | 3,795 |
| Average earning assets | $123,467,500 | 3,787 |
| Average equity | $12,672,500 | 4,111 |
| Average total loans | $100,364,500 | 3,415 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8980% | 741 |
| Cost of funding earning assets | 0.2350% | 4,698 |
| Net interest margin | 4.6630% | 446 |
| Noninterest income to average assets | 1.2812% | 691 |
| Noninterest expense to average assets | 3.0392% | 2,218 |
| Loan and lease loss provision to assets | 0.3323% | 534 |
| Net operating income to assets | 2.1112% | 262 |
| Return on assets (ROA) | 2.1954% | 238 |
| Pretax return on assets | 2.1954% | 328 |
| Return on Equity (ROE) | 22.0028% | 146 |
| Retained earnings to average equity (ytd only) | 8.6664% | 653 |
| Net charge-offs to loans | 0.4011% | 658 |
| Credit loss provision to net charge-offs | 111.1111% | 2,360 |
| Earnings coverage of net charge-offs (x) | 8.1705% | 2,908 |
| Efficiency ratio | 55.4334% | 5,115 |
| Assets per employee ($millions) | 5.4348% | 1,919 |
| Cash dividends to net income (ytd only)* | 60.6125% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 3,172 |
| Loan loss allowance to noncurrent loans | 797.2414% | 722 |
| Noncurrent assets plus other real estate owned to assets | 1.2320% | 1,457 |
| Noncurrent loans to loans | 0.1494% | 4,639 |
| Net loans and leases to total assets | 73.5194% | 1,929 |
| Net loans and leases to deposits | 84.9741% | 2,312 |
| Net loans and leases to core deposits | 88.9259% | 2,593 |
| Total domestic deposits to total assets | 86.5197% | 2,364 |
| Equity capital to assets | 9.6953% | 4,078 |
| Core capital (leverage) ratio | 9.8661% | 3,670 |
| Tier 1 risk-based capital ratio | 11.5893% | 4,994 |
| Total risk-based capital ratio | 12.5856% | 5,050 |
| Memoranda: | ||
| Average total assets | $129,407,400 | 3,842 |
| Average earning assets | $116,599,000 | 3,891 |
| Average equity | $12,912,000 | 4,102 |
| Average total loans | $96,481,000 | 3,452 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9168% | 702 |
| Cost of funding earning assets | 0.2363% | 4,739 |
| Net interest margin | 4.6805% | 444 |
| Noninterest income to average assets | 1.6260% | 467 |
| Noninterest expense to average assets | 3.0599% | 2,127 |
| Loan and lease loss provision to assets | 0.3923% | 374 |
| Net operating income to assets | 2.3662% | 195 |
| Return on assets (ROA) | 2.4787% | 167 |
| Pretax return on assets | 2.4787% | 229 |
| Return on Equity (ROE) | 24.6658% | 89 |
| Retained earnings to average equity (ytd only) | 10.9512% | 436 |
| Net charge-offs to loans | 0.4747% | 445 |
| Credit loss provision to net charge-offs | 110.7872% | 2,217 |
| Earnings coverage of net charge-offs (x) | 7.7901% | 2,841 |
| Efficiency ratio | 52.5905% | 5,343 |
| Assets per employee ($millions) | 5.4908% | 1,860 |
| Cash dividends to net income (ytd only)* | 55.6020% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1797% | 3,373 |
| Loan loss allowance to noncurrent loans | 628.4153% | 876 |
| Noncurrent assets plus other real estate owned to assets | 1.1984% | 1,660 |
| Noncurrent loans to loans | 0.1877% | 4,594 |
| Net loans and leases to total assets | 70.1799% | 2,461 |
| Net loans and leases to deposits | 81.0936% | 2,841 |
| Net loans and leases to core deposits | 85.5864% | 2,982 |
| Total domestic deposits to total assets | 86.5419% | 2,109 |
| Equity capital to assets | 9.7530% | 4,416 |
| Core capital (leverage) ratio | 10.0040% | 3,562 |
| Tier 1 risk-based capital ratio | 11.8146% | 4,908 |
| Total risk-based capital ratio | 12.8295% | 4,952 |
| Memoranda: | ||
| Average total assets | $129,150,500 | 3,868 |
| Average earning assets | $115,683,250 | 3,925 |
| Average equity | $12,978,500 | 4,128 |
| Average total loans | $96,338,500 | 3,466 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8759% | 762 |
| Cost of funding earning assets | 0.2355% | 4,797 |
| Net interest margin | 4.6405% | 470 |
| Noninterest income to average assets | 2.3394% | 280 |
| Noninterest expense to average assets | 3.1698% | 1,889 |
| Loan and lease loss provision to assets | 0.3638% | 437 |
| Net operating income to assets | 3.0765% | 88 |
| Return on assets (ROA) | 3.1888% | 84 |
| Pretax return on assets | 3.1888% | 111 |
| Return on Equity (ROE) | 31.3970% | 36 |
| Retained earnings to average equity (ytd only) | 15.9788% | 121 |
| Net charge-offs to loans | 0.5503% | 381 |
| Credit loss provision to net charge-offs | 87.1212% | 2,284 |
| Earnings coverage of net charge-offs (x) | 8.2386% | 2,537 |
| Efficiency ratio | 47.9541% | 5,667 |
| Assets per employee ($millions) | 5.0312% | 2,268 |
| Cash dividends to net income (ytd only)* | 49.1071% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 3,903 |
| Loan loss allowance to noncurrent loans | 719.3333% | 774 |
| Noncurrent assets plus other real estate owned to assets | 1.4008% | 1,409 |
| Noncurrent loans to loans | 0.1540% | 4,823 |
| Net loans and leases to total assets | 76.5648% | 1,403 |
| Net loans and leases to deposits | 89.4312% | 1,817 |
| Net loans and leases to core deposits | 94.8219% | 2,081 |
| Total domestic deposits to total assets | 85.6131% | 2,603 |
| Equity capital to assets | 10.6200% | 3,510 |
| Core capital (leverage) ratio | 10.6914% | 2,746 |
| Tier 1 risk-based capital ratio | 11.7338% | 5,013 |
| Total risk-based capital ratio | 12.6816% | 5,091 |
| Memoranda: | ||
| Average total assets | $126,444,000 | 3,937 |
| Average earning assets | $116,368,000 | 3,943 |
| Average equity | $12,842,000 | 4,169 |
| Average total loans | $95,956,000 | 3,480 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7926% | 863 |
| Cost of funding earning assets | 0.2366% | 4,845 |
| Net interest margin | 4.5560% | 547 |
| Noninterest income to average assets | 4.3762% | 142 |
| Noninterest expense to average assets | 3.2088% | 1,820 |
| Loan and lease loss provision to assets | 0.2840% | 579 |
| Net operating income to assets | 5.1366% | 41 |
| Return on assets (ROA) | 5.2723% | 38 |
| Pretax return on assets | 5.2723% | 51 |
| Return on Equity (ROE) | 53.1151% | 17 |
| Retained earnings to average equity (ytd only) | 33.5346% | 19 |
| Net charge-offs to loans | 0.4158% | 542 |
| Credit loss provision to net charge-offs | 90.9091% | 1,758 |
| Earnings coverage of net charge-offs (x) | 17.3535% | 1,581 |
| Efficiency ratio | 37.1846% | 6,014 |
| Assets per employee ($millions) | 5.2055% | 2,136 |
| Cash dividends to net income (ytd only)* | 36.8642% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 3,722 |
| Loan loss allowance to noncurrent loans | 60.9608% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 1.4496% | 1,425 |
| Noncurrent loans to loans | 1.8992% | 1,159 |
| Net loans and leases to total assets | 75.4416% | 1,476 |
| Net loans and leases to deposits | 88.3409% | 1,790 |
| Net loans and leases to core deposits | 93.7112% | 2,018 |
| Total domestic deposits to total assets | 85.3983% | 2,954 |
| Equity capital to assets | 10.6219% | 3,343 |
| Core capital (leverage) ratio | 10.7932% | 2,630 |
| Tier 1 risk-based capital ratio | 11.9312% | 4,952 |
| Total risk-based capital ratio | 12.9154% | 5,040 |
| Memoranda: | ||
| Average total assets | $126,775,500 | 3,965 |
| Average earning assets | $118,349,000 | 3,935 |
| Average equity | $12,584,000 | 4,226 |
| Average total loans | $95,242,500 | 3,510 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0199% | 599 |
| Cost of funding earning assets | 0.2444% | 4,839 |
| Net interest margin | 4.7755% | 398 |
| Noninterest income to average assets | 0.3196% | 4,608 |
| Noninterest expense to average assets | 3.0343% | 2,434 |
| Loan and lease loss provision to assets | 0.1094% | 2,168 |
| Net operating income to assets | 1.4199% | 1,005 |
| Return on assets (ROA) | 1.5871% | 750 |
| Pretax return on assets | 1.5871% | 1,289 |
| Return on Equity (ROE) | 16.6593% | 489 |
| Retained earnings to average equity (ytd only) | -1.3780% | 5,698 |
| Net charge-offs to loans | 0.0454% | 3,309 |
| Credit loss provision to net charge-offs | 341.4634% | 878 |
| Earnings coverage of net charge-offs (x) | 47.7317% | 1,036 |
| Efficiency ratio | 66.4897% | 3,831 |
| Assets per employee ($millions) | 5.1448% | 2,185 |
| Cash dividends to net income (ytd only)* | 108.2718% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1700% | 3,646 |
| Loan loss allowance to noncurrent loans | 112.1976% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.7713% | 2,751 |
| Noncurrent loans to loans | 1.0428% | 2,248 |
| Net loans and leases to total assets | 73.0975% | 1,872 |
| Net loans and leases to deposits | 83.4092% | 2,435 |
| Net loans and leases to core deposits | 88.1805% | 2,585 |
| Total domestic deposits to total assets | 87.6372% | 1,826 |
| Equity capital to assets | 9.2505% | 4,846 |
| Core capital (leverage) ratio | 9.4427% | 4,261 |
| Tier 1 risk-based capital ratio | 10.9684% | 5,536 |
| Total risk-based capital ratio | 11.9586% | 5,590 |
| Memoranda: | ||
| Average total assets | $127,970,200 | 3,935 |
| Average earning assets | $113,727,400 | 4,005 |
| Average equity | $12,191,400 | 4,269 |
| Average total loans | $90,244,200 | 3,585 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0576% | 557 |
| Cost of funding earning assets | 0.2489% | 4,891 |
| Net interest margin | 4.8086% | 372 |
| Noninterest income to average assets | 0.3265% | 4,600 |
| Noninterest expense to average assets | 3.0410% | 2,396 |
| Loan and lease loss provision to assets | 0.0313% | 3,612 |
| Net operating income to assets | 1.4657% | 977 |
| Return on assets (ROA) | 1.6587% | 699 |
| Pretax return on assets | 1.6587% | 1,216 |
| Return on Equity (ROE) | 17.2849% | 450 |
| Retained earnings to average equity (ytd only) | -1.4893% | 5,804 |
| Net charge-offs to loans | 0.0584% | 2,770 |
| Credit loss provision to net charge-offs | 76.9231% | 2,661 |
| Earnings coverage of net charge-offs (x) | 36.7940% | 1,321 |
| Efficiency ratio | 67.0115% | 3,712 |
| Assets per employee ($millions) | 5.1418% | 2,122 |
| Cash dividends to net income (ytd only)* | 108.6162% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 4,327 |
| Loan loss allowance to noncurrent loans | 454.2986% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 5,064 |
| Noncurrent loans to loans | 0.2383% | 4,717 |
| Net loans and leases to total assets | 71.3592% | 2,159 |
| Net loans and leases to deposits | 81.4723% | 2,710 |
| Net loans and leases to core deposits | 86.1312% | 2,839 |
| Total domestic deposits to total assets | 87.5871% | 1,752 |
| Equity capital to assets | 9.4824% | 4,773 |
| Core capital (leverage) ratio | 9.6891% | 4,043 |
| Tier 1 risk-based capital ratio | 11.2521% | 5,518 |
| Total risk-based capital ratio | 12.1661% | 5,617 |
| Memoranda: | ||
| Average total assets | $127,807,750 | 3,974 |
| Average earning assets | $111,935,250 | 4,084 |
| Average equity | $12,264,750 | 4,307 |
| Average total loans | $89,022,500 | 3,641 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1582% | 456 |
| Cost of funding earning assets | 0.2592% | 4,843 |
| Net interest margin | 4.8990% | 300 |
| Noninterest income to average assets | 0.3481% | 4,471 |
| Noninterest expense to average assets | 3.0808% | 2,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4754% | 941 |
| Return on assets (ROA) | 1.7529% | 593 |
| Pretax return on assets | 1.7529% | 975 |
| Return on Equity (ROE) | 18.1937% | 402 |
| Retained earnings to average equity (ytd only) | -2.0504% | 5,836 |
| Net charge-offs to loans | 0.0729% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 29.4063% | 1,379 |
| Efficiency ratio | 67.6187% | 3,729 |
| Assets per employee ($millions) | 5.3114% | 1,915 |
| Cash dividends to net income (ytd only)* | 111.2701% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 4,077 |
| Loan loss allowance to noncurrent loans | 508.8083% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 5,265 |
| Noncurrent loans to loans | 0.2261% | 4,871 |
| Net loans and leases to total assets | 66.1782% | 2,921 |
| Net loans and leases to deposits | 75.6022% | 3,312 |
| Net loans and leases to core deposits | 80.0190% | 3,382 |
| Total domestic deposits to total assets | 87.5347% | 1,888 |
| Equity capital to assets | 9.3486% | 4,840 |
| Core capital (leverage) ratio | 9.8596% | 3,790 |
| Tier 1 risk-based capital ratio | 11.8361% | 5,255 |
| Total risk-based capital ratio | 12.7757% | 5,368 |
| Memoranda: | ||
| Average total assets | $127,562,330 | 4,007 |
| Average earning assets | $109,574,000 | 4,162 |
| Average equity | $12,290,000 | 4,327 |
| Average total loans | $87,786,000 | 3,696 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1929% | 409 |
| Cost of funding earning assets | 0.2595% | 4,912 |
| Net interest margin | 4.9334% | 279 |
| Noninterest income to average assets | 0.2758% | 4,968 |
| Noninterest expense to average assets | 3.0594% | 2,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4482% | 945 |
| Return on assets (ROA) | 1.9874% | 365 |
| Pretax return on assets | 1.9874% | 602 |
| Return on Equity (ROE) | 20.3262% | 257 |
| Retained earnings to average equity (ytd only) | 0.7374% | 5,158 |
| Net charge-offs to loans | 0.0360% | 2,493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 57.7500% | 762 |
| Efficiency ratio | 67.8720% | 3,849 |
| Assets per employee ($millions) | 5.1249% | 2,196 |
| Cash dividends to net income (ytd only)* | 96.3722% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 4,340 |
| Loan loss allowance to noncurrent loans | 948.1132% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 5,612 |
| Noncurrent loans to loans | 0.1198% | 5,343 |
| Net loans and leases to total assets | 68.2766% | 2,400 |
| Net loans and leases to deposits | 77.8884% | 2,821 |
| Net loans and leases to core deposits | 82.8900% | 2,880 |
| Total domestic deposits to total assets | 87.6595% | 2,006 |
| Equity capital to assets | 9.7383% | 4,447 |
| Core capital (leverage) ratio | 9.4015% | 4,432 |
| Tier 1 risk-based capital ratio | 11.9491% | 5,274 |
| Total risk-based capital ratio | 12.9082% | 5,366 |
| Memoranda: | ||
| Average total assets | $127,606,500 | 4,037 |
| Average earning assets | $109,457,000 | 4,191 |
| Average equity | $12,476,500 | 4,326 |
| Average total loans | $89,008,000 | 3,670 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1638% | 559 |
| Cost of funding earning assets | 0.2711% | 5,082 |
| Net interest margin | 4.8927% | 362 |
| Noninterest income to average assets | 0.2665% | 5,221 |
| Noninterest expense to average assets | 2.9453% | 3,013 |
| Loan and lease loss provision to assets | 0.2511% | 906 |
| Net operating income to assets | 1.4564% | 968 |
| Return on assets (ROA) | 1.6128% | 725 |
| Pretax return on assets | 1.6128% | 1,200 |
| Return on Equity (ROE) | 16.7731% | 517 |
| Retained earnings to average equity (ytd only) | 5.1473% | 2,500 |
| Net charge-offs to loans | 0.2157% | 1,941 |
| Credit loss provision to net charge-offs | 170.3297% | 1,430 |
| Earnings coverage of net charge-offs (x) | 11.5824% | 2,473 |
| Efficiency ratio | 63.3008% | 4,703 |
| Assets per employee ($millions) | 5.0836% | 2,225 |
| Cash dividends to net income (ytd only)* | 69.3119% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 4,376 |
| Loan loss allowance to noncurrent loans | 1,056.2500% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 5,728 |
| Noncurrent loans to loans | 0.1072% | 5,470 |
| Net loans and leases to total assets | 69.6506% | 2,284 |
| Net loans and leases to deposits | 80.0874% | 2,701 |
| Net loans and leases to core deposits | 85.3327% | 2,747 |
| Total domestic deposits to total assets | 86.9683% | 2,306 |
| Equity capital to assets | 9.8167% | 4,328 |
| Core capital (leverage) ratio | 9.8405% | 3,786 |
| Tier 1 risk-based capital ratio | 12.9417% | 4,757 |
| Total risk-based capital ratio | 13.9918% | 4,800 |
| Memoranda: | ||
| Average total assets | $123,451,600 | 4,114 |
| Average earning assets | $110,675,200 | 4,166 |
| Average equity | $11,870,200 | 4,383 |
| Average total loans | $84,357,800 | 3,759 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1296% | 603 |
| Cost of funding earning assets | 0.2763% | 5,136 |
| Net interest margin | 4.8532% | 377 |
| Noninterest income to average assets | 0.2590% | 5,368 |
| Noninterest expense to average assets | 2.9159% | 3,068 |
| Loan and lease loss provision to assets | 0.3373% | 535 |
| Net operating income to assets | 1.3818% | 1,170 |
| Return on assets (ROA) | 1.5026% | 971 |
| Pretax return on assets | 1.5026% | 1,638 |
| Return on Equity (ROE) | 15.7123% | 714 |
| Retained earnings to average equity (ytd only) | 6.4169% | 2,160 |
| Net charge-offs to loans | 0.2713% | 1,448 |
| Credit loss provision to net charge-offs | 183.4320% | 1,364 |
| Earnings coverage of net charge-offs (x) | 9.3490% | 2,684 |
| Efficiency ratio | 62.9108% | 4,746 |
| Assets per employee ($millions) | 4.8011% | 2,511 |
| Cash dividends to net income (ytd only)* | 59.1602% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 4,346 |
| Loan loss allowance to noncurrent loans | 1,027.0000% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 5,834 |
| Noncurrent loans to loans | 0.1147% | 5,584 |
| Net loans and leases to total assets | 71.7649% | 1,891 |
| Net loans and leases to deposits | 82.8593% | 2,312 |
| Net loans and leases to core deposits | 89.7617% | 2,249 |
| Total domestic deposits to total assets | 86.6106% | 2,522 |
| Equity capital to assets | 10.1801% | 3,957 |
| Core capital (leverage) ratio | 10.1395% | 3,487 |
| Tier 1 risk-based capital ratio | 13.5583% | 4,501 |
| Total risk-based capital ratio | 14.6767% | 4,530 |
| Memoranda: | ||
| Average total assets | $122,542,000 | 4,169 |
| Average earning assets | $110,494,000 | 4,207 |
| Average equity | $11,718,750 | 4,443 |
| Average total loans | $83,064,000 | 3,817 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1225% | 589 |
| Cost of funding earning assets | 0.2791% | 5,202 |
| Net interest margin | 4.8434% | 381 |
| Noninterest income to average assets | 0.2383% | 5,491 |
| Noninterest expense to average assets | 2.8627% | 3,301 |
| Loan and lease loss provision to assets | 0.5025% | 297 |
| Net operating income to assets | 1.2044% | 1,575 |
| Return on assets (ROA) | 1.3244% | 1,291 |
| Pretax return on assets | 1.3244% | 2,174 |
| Return on Equity (ROE) | 14.1447% | 928 |
| Retained earnings to average equity (ytd only) | 7.7043% | 1,432 |
| Net charge-offs to loans | 0.3550% | 1,157 |
| Credit loss provision to net charge-offs | 213.7931% | 1,107 |
| Earnings coverage of net charge-offs (x) | 7.2621% | 2,654 |
| Efficiency ratio | 62.6463% | 4,915 |
| Assets per employee ($millions) | 5.1808% | 1,992 |
| Cash dividends to net income (ytd only)* | 45.5324% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 4,216 |
| Loan loss allowance to noncurrent loans | 734.9650% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 5,807 |
| Noncurrent loans to loans | 0.1687% | 5,508 |
| Net loans and leases to total assets | 67.3109% | 2,532 |
| Net loans and leases to deposits | 77.7809% | 2,829 |
| Net loans and leases to core deposits | 84.1279% | 2,726 |
| Total domestic deposits to total assets | 86.5391% | 2,737 |
| Equity capital to assets | 9.7372% | 4,446 |
| Core capital (leverage) ratio | 10.0798% | 3,499 |
| Tier 1 risk-based capital ratio | 13.2704% | 4,743 |
| Total risk-based capital ratio | 14.4015% | 4,751 |
| Memoranda: | ||
| Average total assets | $123,380,000 | 4,173 |
| Average earning assets | $110,336,000 | 4,236 |
| Average equity | $11,552,000 | 4,484 |
| Average total loans | $81,697,000 | 3,858 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0503% | 653 |
| Cost of funding earning assets | 0.2810% | 5,273 |
| Net interest margin | 4.7694% | 403 |
| Noninterest income to average assets | 0.1823% | 5,871 |
| Noninterest expense to average assets | 2.7892% | 3,607 |
| Loan and lease loss provision to assets | 0.5533% | 246 |
| Net operating income to assets | 1.1489% | 1,635 |
| Return on assets (ROA) | 1.2042% | 1,539 |
| Pretax return on assets | 1.2042% | 2,471 |
| Return on Equity (ROE) | 13.1270% | 1,133 |
| Retained earnings to average equity (ytd only) | 13.1270% | 472 |
| Net charge-offs to loans | 0.3293% | 1,083 |
| Credit loss provision to net charge-offs | 257.5758% | 886 |
| Earnings coverage of net charge-offs (x) | 7.9242% | 2,072 |
| Efficiency ratio | 62.1014% | 5,102 |
| Assets per employee ($millions) | 5.4349% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 4,564 |
| Loan loss allowance to noncurrent loans | 452.0548% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 5,706 |
| Noncurrent loans to loans | 0.2692% | 5,296 |
| Net loans and leases to total assets | 64.2966% | 2,839 |
| Net loans and leases to deposits | 73.2833% | 3,156 |
| Net loans and leases to core deposits | 78.6211% | 3,132 |
| Total domestic deposits to total assets | 87.7370% | 2,395 |
| Equity capital to assets | 9.3047% | 4,756 |
| Core capital (leverage) ratio | 10.1777% | 3,318 |
| Tier 1 risk-based capital ratio | 13.5709% | 4,629 |
| Total risk-based capital ratio | 14.6671% | 4,683 |
| Memoranda: | ||
| Average total assets | $122,901,000 | 4,214 |
| Average earning assets | $111,042,000 | 4,245 |
| Average equity | $11,274,500 | 4,553 |
| Average total loans | $80,173,500 | 3,927 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4859% | 369 |
| Cost of funding earning assets | 0.3261% | 5,370 |
| Net interest margin | 5.1598% | 231 |
| Noninterest income to average assets | -0.0551% | 6,696 |
| Noninterest expense to average assets | 2.8373% | 3,581 |
| Loan and lease loss provision to assets | 0.6777% | 344 |
| Net operating income to assets | 0.8051% | 3,269 |
| Return on assets (ROA) | 0.8114% | 3,330 |
| Pretax return on assets | 0.8114% | 4,100 |
| Return on Equity (ROE) | 9.0528% | 2,511 |
| Retained earnings to average equity (ytd only) | -1.6230% | 6,139 |
| Net charge-offs to loans | 1.3237% | 378 |
| Credit loss provision to net charge-offs | 75.8342% | 3,148 |
| Earnings coverage of net charge-offs (x) | 1.6593% | 4,498 |
| Efficiency ratio | 65.6766% | 4,620 |
| Assets per employee ($millions) | 5.2522% | 1,902 |
| Cash dividends to net income (ytd only)* | 117.9287% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 5,041 |
| Loan loss allowance to noncurrent loans | 187.3150% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 4,812 |
| Noncurrent loans to loans | 0.5988% | 4,488 |
| Net loans and leases to total assets | 64.6515% | 2,929 |
| Net loans and leases to deposits | 73.9168% | 3,270 |
| Net loans and leases to core deposits | 79.1485% | 3,223 |
| Total domestic deposits to total assets | 87.4652% | 2,489 |
| Equity capital to assets | 9.0381% | 4,988 |
| Core capital (leverage) ratio | 9.9028% | 3,696 |
| Tier 1 risk-based capital ratio | 13.5341% | 4,632 |
| Total risk-based capital ratio | 14.5429% | 4,733 |
| Memoranda: | ||
| Average total assets | $110,670,200 | 4,483 |
| Average earning assets | $93,840,600 | 4,684 |
| Average equity | $9,919,600 | 4,864 |
| Average total loans | $74,716,400 | 4,103 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7353% | 262 |
| Cost of funding earning assets | 0.3426% | 5,362 |
| Net interest margin | 5.3927% | 161 |
| Noninterest income to average assets | -0.1874% | 6,833 |
| Noninterest expense to average assets | 2.7964% | 3,676 |
| Loan and lease loss provision to assets | 0.8138% | 233 |
| Net operating income to assets | 0.6276% | 4,229 |
| Return on assets (ROA) | 0.6276% | 4,351 |
| Pretax return on assets | 0.6276% | 4,921 |
| Return on Equity (ROE) | 7.0181% | 3,636 |
| Retained earnings to average equity (ytd only) | -7.5835% | 6,586 |
| Net charge-offs to loans | 1.4646% | 327 |
| Credit loss provision to net charge-offs | 81.5822% | 2,807 |
| Earnings coverage of net charge-offs (x) | 1.4450% | 4,354 |
| Efficiency ratio | 65.9878% | 4,483 |
| Assets per employee ($millions) | 5.0883% | 2,062 |
| Cash dividends to net income (ytd only)* | 208.0542% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 4,378 |
| Loan loss allowance to noncurrent loans | 245.2261% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 5,268 |
| Noncurrent loans to loans | 0.5311% | 4,867 |
| Net loans and leases to total assets | 63.1972% | 3,129 |
| Net loans and leases to deposits | 70.5365% | 3,711 |
| Net loans and leases to core deposits | 75.5537% | 3,666 |
| Total domestic deposits to total assets | 89.5952% | 1,229 |
| Equity capital to assets | 9.3607% | 4,730 |
| Core capital (leverage) ratio | 9.8884% | 3,833 |
| Tier 1 risk-based capital ratio | 14.1308% | 4,335 |
| Total risk-based capital ratio | 15.3304% | 4,317 |
| Memoranda: | ||
| Average total assets | $108,137,750 | 4,585 |
| Average earning assets | $88,734,750 | 4,853 |
| Average equity | $9,670,000 | 4,983 |
| Average total loans | $73,649,250 | 4,174 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0667% | 163 |
| Cost of funding earning assets | 0.3517% | 5,390 |
| Net interest margin | 5.7150% | 105 |
| Noninterest income to average assets | -0.4906% | 6,905 |
| Noninterest expense to average assets | 2.9285% | 3,244 |
| Loan and lease loss provision to assets | 0.2757% | 1,336 |
| Net operating income to assets | 0.9090% | 2,744 |
| Return on assets (ROA) | 0.9090% | 2,882 |
| Pretax return on assets | 0.9090% | 3,870 |
| Return on Equity (ROE) | 10.3445% | 2,065 |
| Retained earnings to average equity (ytd only) | -12.5735% | 6,722 |
| Net charge-offs to loans | 0.7320% | 889 |
| Credit loss provision to net charge-offs | 54.1045% | 3,140 |
| Earnings coverage of net charge-offs (x) | 2.3246% | 3,748 |
| Efficiency ratio | 71.1974% | 3,614 |
| Assets per employee ($millions) | 5.0484% | 2,057 |
| Cash dividends to net income (ytd only)* | 221.5481% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4087% | 3,996 |
| Loan loss allowance to noncurrent loans | 108.5590% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.9427% | 3,901 |
| Noncurrent loans to loans | 1.2976% | 3,384 |
| Net loans and leases to total assets | 63.1420% | 3,077 |
| Net loans and leases to deposits | 70.6558% | 3,632 |
| Net loans and leases to core deposits | 75.9750% | 3,546 |
| Total domestic deposits to total assets | 89.3656% | 1,403 |
| Equity capital to assets | 9.9681% | 3,959 |
| Core capital (leverage) ratio | 10.4402% | 2,949 |
| Tier 1 risk-based capital ratio | 15.0354% | 3,755 |
| Total risk-based capital ratio | 16.2864% | 3,724 |
| Memoranda: | ||
| Average total assets | $105,173,000 | 4,700 |
| Average earning assets | $84,724,330 | 4,991 |
| Average equity | $9,241,670 | 5,118 |
| Average total loans | $73,220,000 | 4,203 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3525% | 107 |
| Cost of funding earning assets | 0.3564% | 5,473 |
| Net interest margin | 5.9961% | 77 |
| Noninterest income to average assets | 0.7200% | 2,484 |
| Noninterest expense to average assets | 3.1498% | 2,513 |
| Loan and lease loss provision to assets | 0.2739% | 1,289 |
| Net operating income to assets | 2.1677% | 260 |
| Return on assets (ROA) | 2.1677% | 284 |
| Pretax return on assets | 2.1677% | 443 |
| Return on Equity (ROE) | 26.6122% | 105 |
| Retained earnings to average equity (ytd only) | -8.0221% | 6,527 |
| Net charge-offs to loans | 1.4327% | 383 |
| Credit loss provision to net charge-offs | 26.3158% | 2,941 |
| Earnings coverage of net charge-offs (x) | 2.3459% | 3,065 |
| Efficiency ratio | 56.3331% | 6,028 |
| Assets per employee ($millions) | 5.2915% | 1,876 |
| Cash dividends to net income (ytd only)* | 130.1444% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 4,796 |
| Loan loss allowance to noncurrent loans | 105.9293% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.9667% | 3,999 |
| Noncurrent loans to loans | 1.2086% | 3,752 |
| Net loans and leases to total assets | 67.6903% | 2,073 |
| Net loans and leases to deposits | 73.9591% | 2,925 |
| Net loans and leases to core deposits | 78.7867% | 2,958 |
| Total domestic deposits to total assets | 91.5241% | 347 |
| Equity capital to assets | 7.7701% | 6,488 |
| Core capital (leverage) ratio | 7.7075% | 6,348 |
| Tier 1 risk-based capital ratio | 10.3940% | 6,605 |
| Total risk-based capital ratio | 11.6191% | 6,602 |
| Memoranda: | ||
| Average total assets | $102,227,500 | 4,805 |
| Average earning assets | $83,054,000 | 5,063 |
| Average equity | $8,327,000 | 5,406 |
| Average total loans | $74,265,000 | 4,195 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1805% | 202 |
| Cost of funding earning assets | 0.4128% | 5,831 |
| Net interest margin | 5.7677% | 112 |
| Noninterest income to average assets | 0.9158% | 1,813 |
| Noninterest expense to average assets | 3.4439% | 1,959 |
| Loan and lease loss provision to assets | 1.0259% | 387 |
| Net operating income to assets | 1.4860% | 946 |
| Return on assets (ROA) | 1.6696% | 734 |
| Pretax return on assets | 1.6696% | 1,212 |
| Return on Equity (ROE) | 18.5563% | 394 |
| Retained earnings to average equity (ytd only) | 0.8522% | 5,442 |
| Net charge-offs to loans | 1.1191% | 934 |
| Credit loss provision to net charge-offs | 125.3298% | 2,259 |
| Earnings coverage of net charge-offs (x) | 3.0686% | 3,903 |
| Efficiency ratio | 57.8241% | 5,857 |
| Assets per employee ($millions) | 4.6965% | 2,647 |
| Cash dividends to net income (ytd only)* | 95.4075% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 3,823 |
| Loan loss allowance to noncurrent loans | 105.5347% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 1.0809% | 3,861 |
| Noncurrent loans to loans | 1.4033% | 3,495 |
| Net loans and leases to total assets | 75.8826% | 928 |
| Net loans and leases to deposits | 83.4504% | 1,821 |
| Net loans and leases to core deposits | 89.0613% | 1,959 |
| Total domestic deposits to total assets | 90.9314% | 526 |
| Equity capital to assets | 8.5485% | 6,012 |
| Core capital (leverage) ratio | 8.2439% | 5,947 |
| Tier 1 risk-based capital ratio | 10.4954% | 6,557 |
| Total risk-based capital ratio | 11.7484% | 6,524 |
| Memoranda: | ||
| Average total assets | $92,598,800 | 5,008 |
| Average earning assets | $80,915,600 | 5,103 |
| Average equity | $8,331,400 | 5,412 |
| Average total loans | $67,733,800 | 4,432 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2017% | 212 |
| Cost of funding earning assets | 0.4189% | 5,996 |
| Net interest margin | 5.7829% | 123 |
| Noninterest income to average assets | 0.5357% | 3,704 |
| Noninterest expense to average assets | 3.4616% | 1,855 |
| Loan and lease loss provision to assets | 1.2807% | 272 |
| Net operating income to assets | 0.9060% | 2,958 |
| Return on assets (ROA) | 1.3686% | 1,423 |
| Pretax return on assets | 1.3686% | 2,348 |
| Return on Equity (ROE) | 15.0080% | 900 |
| Retained earnings to average equity (ytd only) | -3.1781% | 6,492 |
| Net charge-offs to loans | 1.4881% | 580 |
| Credit loss provision to net charge-offs | 119.3724% | 2,428 |
| Earnings coverage of net charge-offs (x) | 2.0382% | 4,252 |
| Efficiency ratio | 61.2853% | 5,264 |
| Assets per employee ($millions) | 4.4394% | 3,018 |
| Cash dividends to net income (ytd only)* | 121.1761% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 3,571 |
| Loan loss allowance to noncurrent loans | 100.1862% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.1520% | 3,985 |
| Noncurrent loans to loans | 1.5839% | 3,413 |
| Net loans and leases to total assets | 71.5772% | 1,630 |
| Net loans and leases to deposits | 79.2123% | 2,509 |
| Net loans and leases to core deposits | 84.8939% | 2,591 |
| Total domestic deposits to total assets | 90.3613% | 647 |
| Equity capital to assets | 8.8471% | 5,985 |
| Core capital (leverage) ratio | 8.3772% | 5,917 |
| Tier 1 risk-based capital ratio | 11.4417% | 6,257 |
| Total risk-based capital ratio | 12.6964% | 6,230 |
| Memoranda: | ||
| Average total assets | $91,092,000 | 5,100 |
| Average earning assets | $80,534,750 | 5,162 |
| Average equity | $8,306,500 | 5,475 |
| Average total loans | $65,676,000 | 4,565 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1656% | 233 |
| Cost of funding earning assets | 0.4125% | 6,201 |
| Net interest margin | 5.7531% | 126 |
| Noninterest income to average assets | 0.4846% | 4,024 |
| Noninterest expense to average assets | 3.3769% | 2,084 |
| Loan and lease loss provision to assets | 1.7703% | 192 |
| Net operating income to assets | 0.5222% | 4,711 |
| Return on assets (ROA) | 1.0489% | 2,482 |
| Pretax return on assets | 1.0489% | 3,523 |
| Return on Equity (ROE) | 11.3860% | 1,854 |
| Retained earnings to average equity (ytd only) | -2.5703% | 6,416 |
| Net charge-offs to loans | 2.2319% | 337 |
| Credit loss provision to net charge-offs | 110.3448% | 2,466 |
| Earnings coverage of net charge-offs (x) | 1.4290% | 4,287 |
| Efficiency ratio | 59.5628% | 5,645 |
| Assets per employee ($millions) | 4.2925% | 3,269 |
| Cash dividends to net income (ytd only)* | 122.5738% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 3,975 |
| Loan loss allowance to noncurrent loans | 103.7075% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 1.0772% | 4,230 |
| Noncurrent loans to loans | 1.4533% | 3,734 |
| Net loans and leases to total assets | 73.0040% | 1,391 |
| Net loans and leases to deposits | 81.4324% | 2,181 |
| Net loans and leases to core deposits | 87.4095% | 2,265 |
| Total domestic deposits to total assets | 89.6498% | 1,129 |
| Equity capital to assets | 9.2531% | 5,390 |
| Core capital (leverage) ratio | 8.7172% | 5,349 |
| Tier 1 risk-based capital ratio | 11.9974% | 5,940 |
| Total risk-based capital ratio | 13.2503% | 5,914 |
| Memoranda: | ||
| Average total assets | $90,380,000 | 5,155 |
| Average earning assets | $81,452,330 | 5,167 |
| Average equity | $8,326,000 | 5,473 |
| Average total loans | $64,966,000 | 4,610 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1886% | 234 |
| Cost of funding earning assets | 0.4097% | 6,356 |
| Net interest margin | 5.7789% | 125 |
| Noninterest income to average assets | 0.5171% | 3,799 |
| Noninterest expense to average assets | 3.1161% | 2,860 |
| Loan and lease loss provision to assets | 3.3150% | 55 |
| Net operating income to assets | -0.6144% | 6,877 |
| Return on assets (ROA) | -0.4641% | 6,834 |
| Pretax return on assets | -0.4641% | 6,805 |
| Return on Equity (ROE) | -5.0490% | 6,853 |
| Retained earnings to average equity (ytd only) | -32.9867% | 7,150 |
| Net charge-offs to loans | 0.7932% | 1,295 |
| Credit loss provision to net charge-offs | 590.5512% | 579 |
| Earnings coverage of net charge-offs (x) | 4.8110% | 2,500 |
| Efficiency ratio | 53.5714% | 6,388 |
| Assets per employee ($millions) | 4.7724% | 2,556 |
| Cash dividends to net income (ytd only)* | -553.3333% | 7,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4423% | 1,437 |
| Loan loss allowance to noncurrent loans | 242.7457% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.8007% | 4,943 |
| Noncurrent loans to loans | 1.0061% | 4,662 |
| Net loans and leases to total assets | 68.5451% | 2,016 |
| Net loans and leases to deposits | 75.8457% | 2,820 |
| Net loans and leases to core deposits | 81.3183% | 2,916 |
| Total domestic deposits to total assets | 90.3745% | 883 |
| Equity capital to assets | 8.7432% | 5,818 |
| Core capital (leverage) ratio | 7.8620% | 6,364 |
| Tier 1 risk-based capital ratio | 11.6758% | 6,177 |
| Total risk-based capital ratio | 12.9407% | 6,143 |
| Memoranda: | ||
| Average total assets | $90,498,500 | 5,188 |
| Average earning assets | $82,991,500 | 5,175 |
| Average equity | $8,318,500 | 5,494 |
| Average total loans | $64,041,500 | 4,667 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8531% | 572 |
| Cost of funding earning assets | 0.4126% | 6,857 |
| Net interest margin | 5.4405% | 197 |
| Noninterest income to average assets | 0.5564% | 3,463 |
| Noninterest expense to average assets | 3.2167% | 2,804 |
| Loan and lease loss provision to assets | 0.1272% | 5,023 |
| Net operating income to assets | 2.2999% | 186 |
| Return on assets (ROA) | 2.5490% | 132 |
| Pretax return on assets | 2.5490% | 192 |
| Return on Equity (ROE) | 28.1695% | 55 |
| Retained earnings to average equity (ytd only) | -0.4685% | 5,929 |
| Net charge-offs to loans | 0.1184% | 5,200 |
| Credit loss provision to net charge-offs | 169.0141% | 1,592 |
| Earnings coverage of net charge-offs (x) | 32.2535% | 799 |
| Efficiency ratio | 56.9953% | 6,186 |
| Assets per employee ($millions) | 4.7537% | 2,508 |
| Cash dividends to net income (ytd only)* | 101.6632% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 4,239 |
| Loan loss allowance to noncurrent loans | 400.4292% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.3521% | 6,095 |
| Noncurrent loans to loans | 0.3620% | 6,001 |
| Net loans and leases to total assets | 70.2384% | 1,989 |
| Net loans and leases to deposits | 84.1457% | 1,906 |
| Net loans and leases to core deposits | 91.0918% | 1,977 |
| Total domestic deposits to total assets | 83.4723% | 4,553 |
| Equity capital to assets | 9.6423% | 4,682 |
| Core capital (leverage) ratio | 8.4292% | 5,669 |
| Tier 1 risk-based capital ratio | 12.2208% | 5,671 |
| Total risk-based capital ratio | 13.4724% | 5,644 |
| Memoranda: | ||
| Average total assets | $94,352,000 | 5,067 |
| Average earning assets | $88,227,400 | 4,987 |
| Average equity | $8,537,600 | 5,392 |
| Average total loans | $59,944,200 | 4,869 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8158% | 680 |
| Cost of funding earning assets | 0.4129% | 6,987 |
| Net interest margin | 5.4030% | 207 |
| Noninterest income to average assets | 0.6460% | 2,909 |
| Noninterest expense to average assets | 3.2214% | 2,761 |
| Loan and lease loss provision to assets | 0.0839% | 5,393 |
| Net operating income to assets | 2.3909% | 183 |
| Return on assets (ROA) | 2.4944% | 164 |
| Pretax return on assets | 2.4944% | 255 |
| Return on Equity (ROE) | 28.0009% | 77 |
| Retained earnings to average equity (ytd only) | -1.1458% | 6,175 |
| Net charge-offs to loans | 0.2266% | 4,020 |
| Credit loss provision to net charge-offs | 60.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 17.7000% | 1,338 |
| Efficiency ratio | 56.5538% | 6,201 |
| Assets per employee ($millions) | 4.9681% | 2,233 |
| Cash dividends to net income (ytd only)* | 104.0919% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 4,521 |
| Loan loss allowance to noncurrent loans | 1,239.7059% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 6,147 |
| Noncurrent loans to loans | 0.1136% | 6,648 |
| Net loans and leases to total assets | 62.5322% | 3,604 |
| Net loans and leases to deposits | 74.2447% | 3,626 |
| Net loans and leases to core deposits | 79.7465% | 3,678 |
| Total domestic deposits to total assets | 84.2245% | 4,126 |
| Equity capital to assets | 9.2856% | 5,403 |
| Core capital (leverage) ratio | 8.5050% | 5,708 |
| Tier 1 risk-based capital ratio | 12.4528% | 5,531 |
| Total risk-based capital ratio | 13.7035% | 5,526 |
| Memoranda: | ||
| Average total assets | $95,359,750 | 5,066 |
| Average earning assets | $89,133,750 | 4,987 |
| Average equity | $8,494,750 | 5,434 |
| Average total loans | $58,837,000 | 4,951 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8364% | 669 |
| Cost of funding earning assets | 0.4150% | 7,095 |
| Net interest margin | 5.4214% | 202 |
| Noninterest income to average assets | 0.6710% | 2,708 |
| Noninterest expense to average assets | 3.2274% | 2,812 |
| Loan and lease loss provision to assets | 0.1254% | 4,718 |
| Net operating income to assets | 2.3975% | 191 |
| Return on assets (ROA) | 2.4874% | 174 |
| Pretax return on assets | 2.4874% | 251 |
| Return on Equity (ROE) | 28.3176% | 85 |
| Retained earnings to average equity (ytd only) | -1.4516% | 6,147 |
| Net charge-offs to loans | -0.0718% | 7,099 |
| Credit loss provision to net charge-offs | -285.7143% | 6,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1250% | 6,409 |
| Assets per employee ($millions) | 4.6650% | 2,595 |
| Cash dividends to net income (ytd only)* | 105.1261% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5997% | 3,695 |
| Loan loss allowance to noncurrent loans | 204.0169% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.5070% | 5,895 |
| Noncurrent loans to loans | 0.7841% | 5,346 |
| Net loans and leases to total assets | 63.6206% | 3,548 |
| Net loans and leases to deposits | 72.8060% | 3,984 |
| Net loans and leases to core deposits | 77.7772% | 4,081 |
| Total domestic deposits to total assets | 87.3837% | 2,529 |
| Equity capital to assets | 9.2069% | 5,275 |
| Core capital (leverage) ratio | 8.0607% | 6,218 |
| Tier 1 risk-based capital ratio | 12.8211% | 5,075 |
| Total risk-based capital ratio | 14.0748% | 5,045 |
| Memoranda: | ||
| Average total assets | $95,682,000 | 5,083 |
| Average earning assets | $89,645,000 | 5,007 |
| Average equity | $8,404,670 | 5,490 |
| Average total loans | $58,493,000 | 5,032 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8132% | 724 |
| Cost of funding earning assets | 0.4290% | 7,163 |
| Net interest margin | 5.3843% | 195 |
| Noninterest income to average assets | 0.6896% | 2,632 |
| Noninterest expense to average assets | 3.2001% | 2,898 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.5683% | 165 |
| Return on assets (ROA) | 2.6344% | 159 |
| Pretax return on assets | 2.6344% | 211 |
| Return on Equity (ROE) | 30.7026% | 72 |
| Retained earnings to average equity (ytd only) | 1.9249% | 4,969 |
| Net charge-offs to loans | -0.0834% | 7,034 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4760% | 6,560 |
| Assets per employee ($millions) | 5.1116% | 2,013 |
| Cash dividends to net income (ytd only)* | 93.7304% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 3,847 |
| Loan loss allowance to noncurrent loans | 2,986.6667% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 7,090 |
| Noncurrent loans to loans | 0.0527% | 6,918 |
| Net loans and leases to total assets | 57.6689% | 4,696 |
| Net loans and leases to deposits | 67.4649% | 4,750 |
| Net loans and leases to core deposits | 71.9712% | 4,788 |
| Total domestic deposits to total assets | 85.4798% | 3,793 |
| Equity capital to assets | 8.6182% | 5,754 |
| Core capital (leverage) ratio | 8.2360% | 5,927 |
| Tier 1 risk-based capital ratio | 13.5448% | 4,396 |
| Total risk-based capital ratio | 14.7973% | 4,359 |
| Memoranda: | ||
| Average total assets | $96,873,000 | 5,085 |
| Average earning assets | $91,377,500 | 4,993 |
| Average equity | $8,312,000 | 5,517 |
| Average total loans | $57,578,000 | 5,106 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8829% | 1,077 |
| Cost of funding earning assets | 0.5615% | 7,204 |
| Net interest margin | 5.3215% | 234 |
| Noninterest income to average assets | 0.8118% | 2,221 |
| Noninterest expense to average assets | 3.3089% | 2,716 |
| Loan and lease loss provision to assets | 0.0618% | 6,527 |
| Net operating income to assets | 2.3035% | 153 |
| Return on assets (ROA) | 2.4621% | 123 |
| Pretax return on assets | 2.4621% | 195 |
| Return on Equity (ROE) | 28.8836% | 49 |
| Retained earnings to average equity (ytd only) | 0.9668% | 5,069 |
| Net charge-offs to loans | -0.0162% | 7,350 |
| Credit loss provision to net charge-offs | -666.6667% | 7,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3152% | 6,304 |
| Assets per employee ($millions) | 4.8313% | 2,381 |
| Cash dividends to net income (ytd only)* | 96.6527% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5175% | 3,913 |
| Loan loss allowance to noncurrent loans | 2,600.0000% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 7,146 |
| Noncurrent loans to loans | 0.0584% | 6,978 |
| Net loans and leases to total assets | 59.3712% | 4,775 |
| Net loans and leases to deposits | 68.2562% | 5,071 |
| Net loans and leases to core deposits | 72.7374% | 5,133 |
| Total domestic deposits to total assets | 86.9828% | 2,829 |
| Equity capital to assets | 8.5422% | 5,802 |
| Core capital (leverage) ratio | 8.0221% | 6,168 |
| Tier 1 risk-based capital ratio | 13.2697% | 4,400 |
| Total risk-based capital ratio | 14.5226% | 4,352 |
| Memoranda: | ||
| Average total assets | $97,071,600 | 5,074 |
| Average earning assets | $88,697,600 | 5,061 |
| Average equity | $8,274,600 | 5,625 |
| Average total loans | $55,561,400 | 5,255 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8439% | 1,272 |
| Cost of funding earning assets | 0.5761% | 7,332 |
| Net interest margin | 5.2678% | 257 |
| Noninterest income to average assets | 0.8328% | 2,064 |
| Noninterest expense to average assets | 3.2584% | 2,717 |
| Loan and lease loss provision to assets | 0.0823% | 6,221 |
| Net operating income to assets | 2.2719% | 204 |
| Return on assets (ROA) | 2.4832% | 142 |
| Pretax return on assets | 2.4832% | 232 |
| Return on Equity (ROE) | 29.1467% | 58 |
| Retained earnings to average equity (ytd only) | 1.8196% | 5,052 |
| Net charge-offs to loans | -0.0146% | 7,312 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0543% | 6,263 |
| Assets per employee ($millions) | 4.9748% | 2,213 |
| Cash dividends to net income (ytd only)* | 93.7570% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5856% | 3,589 |
| Loan loss allowance to noncurrent loans | 4,894.4444% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 6,558 |
| Noncurrent loans to loans | 0.0324% | 7,168 |
| Net loans and leases to total assets | 54.9595% | 5,710 |
| Net loans and leases to deposits | 63.8033% | 5,938 |
| Net loans and leases to core deposits | 67.7051% | 5,974 |
| Total domestic deposits to total assets | 86.1390% | 3,012 |
| Equity capital to assets | 8.5170% | 6,260 |
| Core capital (leverage) ratio | 7.4754% | 6,861 |
| Tier 1 risk-based capital ratio | 12.6240% | 4,874 |
| Total risk-based capital ratio | 13.8766% | 4,853 |
| Memoranda: | ||
| Average total assets | $97,183,000 | 5,134 |
| Average earning assets | $88,181,250 | 5,138 |
| Average equity | $8,279,750 | 5,698 |
| Average total loans | $54,888,750 | 5,349 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9737% | 1,011 |
| Cost of funding earning assets | 0.5898% | 7,427 |
| Net interest margin | 5.3839% | 205 |
| Noninterest income to average assets | 0.8692% | 1,806 |
| Noninterest expense to average assets | 3.3730% | 2,336 |
| Loan and lease loss provision to assets | 0.1245% | 5,644 |
| Net operating income to assets | 2.2383% | 213 |
| Return on assets (ROA) | 2.4976% | 140 |
| Pretax return on assets | 2.4976% | 233 |
| Return on Equity (ROE) | 29.3122% | 64 |
| Retained earnings to average equity (ytd only) | 6.6951% | 1,977 |
| Net charge-offs to loans | -0.0110% | 7,204 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8065% | 6,258 |
| Assets per employee ($millions) | 5.0108% | 2,174 |
| Cash dividends to net income (ytd only)* | 77.1595% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 3,344 |
| Loan loss allowance to noncurrent loans | 5,493.7500% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 6,563 |
| Noncurrent loans to loans | 0.0296% | 7,250 |
| Net loans and leases to total assets | 53.0893% | 6,100 |
| Net loans and leases to deposits | 62.0542% | 6,229 |
| Net loans and leases to core deposits | 66.0402% | 6,242 |
| Total domestic deposits to total assets | 85.5532% | 3,342 |
| Equity capital to assets | 8.6014% | 6,010 |
| Core capital (leverage) ratio | 7.9342% | 6,346 |
| Tier 1 risk-based capital ratio | 12.4683% | 4,890 |
| Total risk-based capital ratio | 13.7200% | 4,869 |
| Memoranda: | ||
| Average total assets | $96,412,330 | 5,184 |
| Average earning assets | $87,149,000 | 5,203 |
| Average equity | $8,215,000 | 5,725 |
| Average total loans | $54,664,000 | 5,392 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9388% | 1,107 |
| Cost of funding earning assets | 0.5998% | 7,539 |
| Net interest margin | 5.3390% | 228 |
| Noninterest income to average assets | 0.7703% | 2,173 |
| Noninterest expense to average assets | 3.6567% | 1,601 |
| Loan and lease loss provision to assets | 0.2539% | 4,013 |
| Net operating income to assets | 1.7945% | 502 |
| Return on assets (ROA) | 1.8284% | 516 |
| Pretax return on assets | 1.8284% | 842 |
| Return on Equity (ROE) | 21.5663% | 294 |
| Retained earnings to average equity (ytd only) | -2.0468% | 6,217 |
| Net charge-offs to loans | -0.0218% | 7,095 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0950% | 5,476 |
| Assets per employee ($millions) | 4.5994% | 2,801 |
| Cash dividends to net income (ytd only)* | 109.4907% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6087% | 3,397 |
| Loan loss allowance to noncurrent loans | 5,487.5000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 1.6024% | 4,090 |
| Noncurrent loans to loans | 0.0293% | 7,343 |
| Net loans and leases to total assets | 58.3761% | 5,370 |
| Net loans and leases to deposits | 64.6081% | 5,989 |
| Net loans and leases to core deposits | 68.4465% | 6,060 |
| Total domestic deposits to total assets | 90.3542% | 800 |
| Equity capital to assets | 8.7174% | 5,705 |
| Core capital (leverage) ratio | 7.7251% | 6,594 |
| Tier 1 risk-based capital ratio | 12.0295% | 5,168 |
| Total risk-based capital ratio | 13.2826% | 5,125 |
| Memoranda: | ||
| Average total assets | $94,510,500 | 5,298 |
| Average earning assets | $87,357,500 | 5,263 |
| Average equity | $8,012,500 | 5,837 |
| Average total loans | $54,954,500 | 5,456 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0280% | 1,757 |
| Cost of funding earning assets | 0.7857% | 7,577 |
| Net interest margin | 5.2423% | 268 |
| Noninterest income to average assets | 0.6572% | 3,242 |
| Noninterest expense to average assets | 3.4791% | 2,429 |
| Loan and lease loss provision to assets | 0.1939% | 5,791 |
| Net operating income to assets | 1.8510% | 322 |
| Return on assets (ROA) | 1.9663% | 255 |
| Pretax return on assets | 1.9663% | 432 |
| Return on Equity (ROE) | 23.1599% | 130 |
| Retained earnings to average equity (ytd only) | -0.5203% | 5,114 |
| Net charge-offs to loans | 0.0056% | 7,168 |
| Credit loss provision to net charge-offs | 6,000.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 632.6667% | 38 |
| Efficiency ratio | 62.9803% | 5,973 |
| Assets per employee ($millions) | 4.6206% | 2,733 |
| Cash dividends to net income (ytd only)* | 102.2466% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 3,860 |
| Loan loss allowance to noncurrent loans | 709.5652% | 491 |
| Noncurrent assets plus other real estate owned to assets | 2.1931% | 3,139 |
| Noncurrent loans to loans | 0.2078% | 6,907 |
| Net loans and leases to total assets | 56.1829% | 5,922 |
| Net loans and leases to deposits | 62.5191% | 6,411 |
| Net loans and leases to core deposits | 71.2209% | 6,697 |
| Total domestic deposits to total assets | 89.8653% | 1,029 |
| Equity capital to assets | 8.2508% | 6,273 |
| Core capital (leverage) ratio | 7.6898% | 6,566 |
| Tier 1 risk-based capital ratio | 11.5297% | 5,368 |
| Total risk-based capital ratio | 12.7802% | 5,325 |
| Memoranda: | ||
| Average total assets | $92,812,200 | 5,309 |
| Average earning assets | $86,165,200 | 5,254 |
| Average equity | $7,880,000 | 5,967 |
| Average total loans | $53,489,800 | 5,527 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1074% | 1,624 |
| Cost of funding earning assets | 0.8364% | 7,643 |
| Net interest margin | 5.2710% | 271 |
| Noninterest income to average assets | 0.6597% | 3,292 |
| Noninterest expense to average assets | 3.5310% | 2,196 |
| Loan and lease loss provision to assets | 0.1744% | 5,618 |
| Net operating income to assets | 1.8628% | 390 |
| Return on assets (ROA) | 2.0329% | 297 |
| Pretax return on assets | 2.0329% | 513 |
| Return on Equity (ROE) | 23.7662% | 138 |
| Retained earnings to average equity (ytd only) | 1.3420% | 4,571 |
| Net charge-offs to loans | -0.0025% | 7,596 |
| Credit loss provision to net charge-offs | -12,000.0000% | 7,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4134% | 5,855 |
| Assets per employee ($millions) | 4.2865% | 3,227 |
| Cash dividends to net income (ytd only)* | 94.3532% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 4,046 |
| Loan loss allowance to noncurrent loans | 2,303.0303% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 6,370 |
| Noncurrent loans to loans | 0.0600% | 7,355 |
| Net loans and leases to total assets | 57.5237% | 5,965 |
| Net loans and leases to deposits | 63.8466% | 6,500 |
| Net loans and leases to core deposits | 74.0894% | 6,725 |
| Total domestic deposits to total assets | 90.0967% | 732 |
| Equity capital to assets | 8.7252% | 5,917 |
| Core capital (leverage) ratio | 7.8703% | 6,544 |
| Tier 1 risk-based capital ratio | 12.0230% | 4,957 |
| Total risk-based capital ratio | 13.2405% | 4,921 |
| Memoranda: | ||
| Average total assets | $91,757,000 | 5,373 |
| Average earning assets | $85,446,250 | 5,320 |
| Average equity | $7,848,500 | 6,032 |
| Average total loans | $53,029,250 | 5,594 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1339% | 1,673 |
| Cost of funding earning assets | 0.9193% | 7,673 |
| Net interest margin | 5.2147% | 291 |
| Noninterest income to average assets | 0.6446% | 3,382 |
| Noninterest expense to average assets | 3.5244% | 2,268 |
| Loan and lease loss provision to assets | 0.1100% | 6,053 |
| Net operating income to assets | 1.8524% | 411 |
| Return on assets (ROA) | 1.9580% | 358 |
| Pretax return on assets | 1.9580% | 618 |
| Return on Equity (ROE) | 23.0510% | 194 |
| Retained earnings to average equity (ytd only) | 0.0777% | 5,171 |
| Net charge-offs to loans | 0.0076% | 6,477 |
| Credit loss provision to net charge-offs | 2,500.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 446.0000% | 76 |
| Efficiency ratio | 64.2342% | 5,867 |
| Assets per employee ($millions) | 4.0252% | 3,629 |
| Cash dividends to net income (ytd only)* | 99.6629% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 4,549 |
| Loan loss allowance to noncurrent loans | 369.3548% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.6060% | 5,909 |
| Noncurrent loans to loans | 0.3409% | 6,660 |
| Net loans and leases to total assets | 58.1886% | 5,938 |
| Net loans and leases to deposits | 66.0929% | 6,383 |
| Net loans and leases to core deposits | 77.3153% | 6,589 |
| Total domestic deposits to total assets | 88.0406% | 1,747 |
| Equity capital to assets | 8.4878% | 6,065 |
| Core capital (leverage) ratio | 8.2908% | 5,815 |
| Tier 1 risk-based capital ratio | 11.1699% | 5,704 |
| Total risk-based capital ratio | 12.2029% | 5,866 |
| Memoranda: | ||
| Average total assets | $90,908,670 | 5,434 |
| Average earning assets | $84,416,000 | 5,397 |
| Average equity | $7,722,000 | 6,115 |
| Average total loans | $52,370,330 | 5,663 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1400% | 1,797 |
| Cost of funding earning assets | 1.1085% | 7,507 |
| Net interest margin | 5.0314% | 374 |
| Noninterest income to average assets | 0.6439% | 3,238 |
| Noninterest expense to average assets | 3.4061% | 2,340 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9140% | 414 |
| Return on assets (ROA) | 2.1272% | 309 |
| Pretax return on assets | 2.1272% | 511 |
| Return on Equity (ROE) | 25.0327% | 187 |
| Retained earnings to average equity (ytd only) | 1.5155% | 5,007 |
| Net charge-offs to loans | 0.0624% | 4,580 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 53.8750% | 684 |
| Efficiency ratio | 64.0234% | 5,685 |
| Assets per employee ($millions) | 4.0242% | 3,614 |
| Cash dividends to net income (ytd only)* | 93.9457% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 4,570 |
| Loan loss allowance to noncurrent loans | 543.1034% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 5,810 |
| Noncurrent loans to loans | 0.2269% | 6,887 |
| Net loans and leases to total assets | 57.0427% | 6,092 |
| Net loans and leases to deposits | 62.6074% | 6,684 |
| Net loans and leases to core deposits | 74.0506% | 6,804 |
| Total domestic deposits to total assets | 91.1117% | 380 |
| Equity capital to assets | 8.6635% | 5,820 |
| Core capital (leverage) ratio | 8.0831% | 6,323 |
| Tier 1 risk-based capital ratio | 11.9744% | 4,982 |
| Total risk-based capital ratio | 12.9878% | 5,103 |
| Memoranda: | ||
| Average total assets | $90,073,000 | 5,481 |
| Average earning assets | $83,714,000 | 5,434 |
| Average equity | $7,654,000 | 6,171 |
| Average total loans | $51,276,500 | 5,742 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5148% | 2,887 |
| Cost of funding earning assets | 1.4351% | 7,701 |
| Net interest margin | 5.0797% | 429 |
| Noninterest income to average assets | 0.8310% | 2,344 |
| Noninterest expense to average assets | 3.2371% | 3,200 |
| Loan and lease loss provision to assets | 0.3215% | 3,807 |
| Net operating income to assets | 1.9766% | 375 |
| Return on assets (ROA) | 1.9789% | 354 |
| Pretax return on assets | 1.9789% | 641 |
| Return on Equity (ROE) | 23.8628% | 176 |
| Retained earnings to average equity (ytd only) | -0.9937% | 5,592 |
| Net charge-offs to loans | 0.1233% | 5,006 |
| Credit loss provision to net charge-offs | 454.0984% | 967 |
| Earnings coverage of net charge-offs (x) | 32.4590% | 1,109 |
| Efficiency ratio | 58.4819% | 6,604 |
| Assets per employee ($millions) | 4.5807% | 2,498 |
| Cash dividends to net income (ytd only)* | 104.1642% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 4,216 |
| Loan loss allowance to noncurrent loans | 420.3947% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.5752% | 5,464 |
| Noncurrent loans to loans | 0.2956% | 6,492 |
| Net loans and leases to total assets | 55.4315% | 6,493 |
| Net loans and leases to deposits | 67.2257% | 6,533 |
| Net loans and leases to core deposits | 80.2741% | 6,599 |
| Total domestic deposits to total assets | 82.4557% | 4,016 |
| Equity capital to assets | 8.3372% | 6,362 |
| Core capital (leverage) ratio | 8.2205% | 6,125 |
| Tier 1 risk-based capital ratio | 11.8286% | 4,961 |
| Total risk-based capital ratio | 12.8464% | 5,046 |
| Memoranda: | ||
| Average total assets | $86,158,600 | 5,478 |
| Average earning assets | $79,787,800 | 5,436 |
| Average equity | $7,145,000 | 6,406 |
| Average total loans | $49,472,000 | 5,726 |