Home > Meramec Valley Bank > Performance and Condition Ratios
Meramec Valley Bank, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5904% | 2,373 |
| Cost of funding earning assets | 0.3091% | 2,066 |
| Net interest margin | 3.2813% | 2,353 |
| Noninterest income to average assets | 0.9200% | 787 |
| Noninterest expense to average assets | 4.0099% | 327 |
| Loan and lease loss provision to assets | -0.0900% | 4,563 |
| Net operating income to assets | 0.0874% | 4,551 |
| Return on assets (ROA) | 0.0874% | 4,522 |
| Pretax return on assets | 0.0874% | 4,521 |
| Return on Equity (ROE) | 0.9300% | 4,500 |
| Retained earnings to average equity (ytd only) | -2.2571% | 4,502 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 99.9573% | 157 |
| Assets per employee ($millions) | 7.2849% | 1,765 |
| Cash dividends to net income (ytd only)* | 343.1373% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 62.3700% | 2,243 |
| Net loans and leases to deposits | 73.9989% | 2,047 |
| Net loans and leases to core deposits | 75.6790% | 2,222 |
| Total domestic deposits to total assets | 84.2800% | 3,436 |
| Equity capital to assets | 14.1317% | 555 |
| Core capital (leverage) ratio | 6.8963% | 4,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.6980% | 3,113 |
| Memoranda: | ||
| Average total assets | $155,612,500 | 3,412 |
| Average earning assets | $146,644,750 | 3,380 |
| Average equity | $14,649,750 | 3,452 |
| Average total loans | $108,318,250 | 3,057 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3723% | 2,510 |
| Cost of funding earning assets | 0.2512% | 2,248 |
| Net interest margin | 3.1211% | 2,472 |
| Noninterest income to average assets | 1.3071% | 422 |
| Noninterest expense to average assets | 2.8569% | 1,061 |
| Loan and lease loss provision to assets | -0.1319% | 4,635 |
| Net operating income to assets | 1.5973% | 549 |
| Return on assets (ROA) | 1.5973% | 536 |
| Pretax return on assets | 1.5973% | 942 |
| Return on Equity (ROE) | 20.8070% | 256 |
| Retained earnings to average equity (ytd only) | 14.7934% | 284 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0970% | 2,493 |
| Assets per employee ($millions) | 5.4964% | 3,234 |
| Cash dividends to net income (ytd only)* | 28.9017% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 3,549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 71.8191% | 1,120 |
| Net loans and leases to deposits | 78.8391% | 1,481 |
| Net loans and leases to core deposits | 80.9234% | 1,663 |
| Total domestic deposits to total assets | 91.0958% | 1,182 |
| Equity capital to assets | 7.5262% | 3,455 |
| Core capital (leverage) ratio | 7.8514% | 4,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1466% | 2,772 |
| Memoranda: | ||
| Average total assets | $151,632,667 | 3,483 |
| Average earning assets | $146,486,333 | 3,430 |
| Average equity | $11,640,333 | 3,821 |
| Average total loans | $109,592,333 | 3,069 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2669% | 2,485 |
| Cost of funding earning assets | 0.2270% | 2,442 |
| Net interest margin | 3.0399% | 2,367 |
| Noninterest income to average assets | 2.3387% | 196 |
| Noninterest expense to average assets | 2.9208% | 925 |
| Loan and lease loss provision to assets | -0.2610% | 4,717 |
| Net operating income to assets | 2.6154% | 110 |
| Return on assets (ROA) | 2.6154% | 107 |
| Pretax return on assets | 2.6154% | 153 |
| Return on Equity (ROE) | 33.7487% | 44 |
| Retained earnings to average equity (ytd only) | 27.0125% | 47 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3686% | 3,929 |
| Assets per employee ($millions) | 5.1982% | 3,585 |
| Cash dividends to net income (ytd only)* | 19.9601% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 3,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 72.8859% | 752 |
| Net loans and leases to deposits | 80.0026% | 1,146 |
| Net loans and leases to core deposits | 82.2650% | 1,338 |
| Total domestic deposits to total assets | 91.1044% | 981 |
| Equity capital to assets | 7.5822% | 3,871 |
| Core capital (leverage) ratio | 7.8941% | 4,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8502% | 2,924 |
| Memoranda: | ||
| Average total assets | $153,248,000 | 3,483 |
| Average earning assets | $148,032,500 | 3,427 |
| Average equity | $11,876,000 | 3,872 |
| Average total loans | $110,553,000 | 3,059 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8599% | 1,727 |
| Cost of funding earning assets | 0.3025% | 2,385 |
| Net interest margin | 3.5574% | 1,582 |
| Noninterest income to average assets | 0.5808% | 2,234 |
| Noninterest expense to average assets | 2.7342% | 1,531 |
| Loan and lease loss provision to assets | -0.2019% | 4,704 |
| Net operating income to assets | 1.4671% | 1,086 |
| Return on assets (ROA) | 1.4671% | 1,149 |
| Pretax return on assets | 1.4671% | 1,829 |
| Return on Equity (ROE) | 18.2491% | 442 |
| Retained earnings to average equity (ytd only) | 9.4594% | 1,059 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3661% | 1,932 |
| Assets per employee ($millions) | 5.5624% | 3,203 |
| Cash dividends to net income (ytd only)* | 48.1651% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 3,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 1,912 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 69.9540% | 1,050 |
| Net loans and leases to deposits | 76.8447% | 1,503 |
| Net loans and leases to core deposits | 79.3978% | 1,647 |
| Total domestic deposits to total assets | 91.0330% | 486 |
| Equity capital to assets | 7.9115% | 4,411 |
| Core capital (leverage) ratio | 8.0541% | 4,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3067% | 2,819 |
| Memoranda: | ||
| Average total assets | $148,596,800 | 3,495 |
| Average earning assets | $142,801,600 | 3,446 |
| Average equity | $11,945,800 | 3,935 |
| Average total loans | $112,917,200 | 3,025 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9943% | 1,544 |
| Cost of funding earning assets | 0.3206% | 2,398 |
| Net interest margin | 3.6737% | 1,399 |
| Noninterest income to average assets | 0.6067% | 2,193 |
| Noninterest expense to average assets | 2.7137% | 1,553 |
| Loan and lease loss provision to assets | -0.1819% | 4,731 |
| Net operating income to assets | 1.6020% | 1,025 |
| Return on assets (ROA) | 1.6020% | 1,071 |
| Pretax return on assets | 1.6020% | 1,695 |
| Return on Equity (ROE) | 19.8447% | 437 |
| Retained earnings to average equity (ytd only) | 11.9698% | 845 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6415% | 2,153 |
| Assets per employee ($millions) | 5.7513% | 2,935 |
| Cash dividends to net income (ytd only)* | 39.6825% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 3,083 |
| Loan loss allowance to noncurrent loans | 350.5435% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.5693% | 1,354 |
| Noncurrent loans to loans | 0.3363% | 2,578 |
| Net loans and leases to total assets | 69.6463% | 1,113 |
| Net loans and leases to deposits | 79.6833% | 1,320 |
| Net loans and leases to core deposits | 82.8217% | 1,513 |
| Total domestic deposits to total assets | 87.4039% | 2,154 |
| Equity capital to assets | 7.9415% | 4,548 |
| Core capital (leverage) ratio | 8.1416% | 4,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8877% | 2,743 |
| Memoranda: | ||
| Average total assets | $146,809,000 | 3,550 |
| Average earning assets | $140,963,750 | 3,502 |
| Average equity | $11,851,750 | 3,998 |
| Average total loans | $113,611,000 | 3,055 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8584% | 1,923 |
| Cost of funding earning assets | 0.3402% | 2,402 |
| Net interest margin | 3.5181% | 1,805 |
| Noninterest income to average assets | 0.7306% | 1,714 |
| Noninterest expense to average assets | 2.6809% | 1,639 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4252% | 1,499 |
| Return on assets (ROA) | 1.4252% | 1,566 |
| Pretax return on assets | 1.4252% | 2,257 |
| Return on Equity (ROE) | 17.5510% | 706 |
| Retained earnings to average equity (ytd only) | 14.1297% | 526 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2909% | 2,256 |
| Assets per employee ($millions) | 5.6935% | 2,903 |
| Cash dividends to net income (ytd only)* | 19.4932% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 2,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 2,198 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 74.6562% | 704 |
| Net loans and leases to deposits | 86.0146% | 910 |
| Net loans and leases to core deposits | 89.2221% | 1,191 |
| Total domestic deposits to total assets | 86.7947% | 2,431 |
| Equity capital to assets | 8.1563% | 4,450 |
| Core capital (leverage) ratio | 8.2587% | 4,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3001% | 2,610 |
| Memoranda: | ||
| Average total assets | $143,983,333 | 3,588 |
| Average earning assets | $138,141,333 | 3,537 |
| Average equity | $11,691,667 | 4,025 |
| Average total loans | $115,001,000 | 3,053 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9569% | 1,687 |
| Cost of funding earning assets | 0.3616% | 2,430 |
| Net interest margin | 3.5953% | 1,603 |
| Noninterest income to average assets | 0.3297% | 3,451 |
| Noninterest expense to average assets | 2.5190% | 2,125 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2567% | 1,954 |
| Return on assets (ROA) | 1.2567% | 2,032 |
| Pretax return on assets | 1.2567% | 2,683 |
| Return on Equity (ROE) | 15.5124% | 1,108 |
| Retained earnings to average equity (ytd only) | 15.5124% | 569 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7164% | 2,120 |
| Assets per employee ($millions) | 5.5785% | 3,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 2,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3558% | 2,378 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 79.4457% | 370 |
| Net loans and leases to deposits | 92.3486% | 577 |
| Net loans and leases to core deposits | 95.6908% | 899 |
| Total domestic deposits to total assets | 86.0280% | 2,730 |
| Equity capital to assets | 8.0757% | 4,447 |
| Core capital (leverage) ratio | 8.3217% | 4,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5596% | 2,803 |
| Memoranda: | ||
| Average total assets | $141,959,000 | 3,618 |
| Average earning assets | $136,065,000 | 3,564 |
| Average equity | $11,500,500 | 4,057 |
| Average total loans | $116,499,000 | 3,046 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4110% | 1,558 |
| Cost of funding earning assets | 0.7259% | 1,585 |
| Net interest margin | 3.6851% | 1,854 |
| Noninterest income to average assets | 0.2906% | 3,746 |
| Noninterest expense to average assets | 2.7136% | 2,201 |
| Loan and lease loss provision to assets | 0.3786% | 856 |
| Net operating income to assets | 0.7312% | 3,328 |
| Return on assets (ROA) | 0.9266% | 2,727 |
| Pretax return on assets | 0.9266% | 3,294 |
| Return on Equity (ROE) | 11.8390% | 1,370 |
| Retained earnings to average equity (ytd only) | 9.0750% | 754 |
| Net charge-offs to loans | -0.0018% | 3,975 |
| Credit loss provision to net charge-offs | -26,250.0000% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9732% | 1,815 |
| Assets per employee ($millions) | 5.5551% | 2,785 |
| Cash dividends to net income (ytd only)* | 23.3463% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 2,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 2,495 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 82.6553% | 251 |
| Net loans and leases to deposits | 101.8156% | 314 |
| Net loans and leases to core deposits | 104.2740% | 713 |
| Total domestic deposits to total assets | 81.1813% | 3,834 |
| Equity capital to assets | 8.1280% | 4,651 |
| Core capital (leverage) ratio | 8.1332% | 4,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0392% | 2,910 |
| Memoranda: | ||
| Average total assets | $138,673,200 | 3,528 |
| Average earning assets | $132,939,800 | 3,471 |
| Average equity | $10,854,000 | 4,098 |
| Average total loans | $113,833,200 | 3,043 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5697% | 1,396 |
| Cost of funding earning assets | 0.7994% | 1,501 |
| Net interest margin | 3.7703% | 1,709 |
| Noninterest income to average assets | 0.2885% | 3,757 |
| Noninterest expense to average assets | 2.6652% | 2,352 |
| Loan and lease loss provision to assets | 0.3946% | 907 |
| Net operating income to assets | 0.8445% | 2,931 |
| Return on assets (ROA) | 1.1051% | 2,090 |
| Pretax return on assets | 1.1051% | 2,728 |
| Return on Equity (ROE) | 14.2568% | 828 |
| Retained earnings to average equity (ytd only) | 10.5344% | 669 |
| Net charge-offs to loans | -0.0024% | 3,904 |
| Credit loss provision to net charge-offs | -20,500.0000% | 4,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2680% | 2,147 |
| Assets per employee ($millions) | 5.8785% | 2,371 |
| Cash dividends to net income (ytd only)* | 26.1097% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 3,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 2,739 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 82.8929% | 372 |
| Net loans and leases to deposits | 106.9750% | 293 |
| Net loans and leases to core deposits | 109.5237% | 717 |
| Total domestic deposits to total assets | 77.4881% | 4,264 |
| Equity capital to assets | 7.5911% | 4,836 |
| Core capital (leverage) ratio | 7.9925% | 4,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7420% | 2,979 |
| Memoranda: | ||
| Average total assets | $138,622,000 | 3,522 |
| Average earning assets | $132,929,000 | 3,460 |
| Average equity | $10,745,500 | 4,117 |
| Average total loans | $113,221,500 | 3,063 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7414% | 1,303 |
| Cost of funding earning assets | 0.9071% | 1,343 |
| Net interest margin | 3.8343% | 1,731 |
| Noninterest income to average assets | 0.2680% | 3,871 |
| Noninterest expense to average assets | 2.7311% | 2,286 |
| Loan and lease loss provision to assets | 0.4299% | 916 |
| Net operating income to assets | 0.7788% | 3,116 |
| Return on assets (ROA) | 1.1778% | 1,838 |
| Pretax return on assets | 1.1778% | 2,439 |
| Return on Equity (ROE) | 15.0820% | 696 |
| Retained earnings to average equity (ytd only) | 11.3115% | 564 |
| Net charge-offs to loans | -0.0036% | 3,922 |
| Credit loss provision to net charge-offs | -14,600.0000% | 4,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3199% | 2,044 |
| Assets per employee ($millions) | 6.4580% | 1,821 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 3,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3329% | 2,975 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 77.4845% | 920 |
| Net loans and leases to deposits | 100.9558% | 495 |
| Net loans and leases to core deposits | 104.9277% | 951 |
| Total domestic deposits to total assets | 76.7509% | 4,350 |
| Equity capital to assets | 7.0275% | 4,972 |
| Core capital (leverage) ratio | 7.8141% | 4,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6511% | 3,055 |
| Memoranda: | ||
| Average total assets | $135,842,000 | 3,533 |
| Average earning assets | $130,088,667 | 3,471 |
| Average equity | $10,608,667 | 4,153 |
| Average total loans | $109,896,667 | 3,103 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6144% | 1,958 |
| Cost of funding earning assets | 1.1213% | 985 |
| Net interest margin | 3.4931% | 3,005 |
| Noninterest income to average assets | 0.3231% | 3,588 |
| Noninterest expense to average assets | 2.7687% | 2,519 |
| Loan and lease loss provision to assets | 0.2598% | 1,200 |
| Net operating income to assets | 0.6304% | 3,516 |
| Return on assets (ROA) | 0.6304% | 3,573 |
| Pretax return on assets | 0.6304% | 3,867 |
| Return on Equity (ROE) | 7.6049% | 2,683 |
| Retained earnings to average equity (ytd only) | 3.7833% | 2,768 |
| Net charge-offs to loans | -0.0038% | 3,781 |
| Credit loss provision to net charge-offs | -8,200.0000% | 3,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6710% | 1,600 |
| Assets per employee ($millions) | 4.9613% | 2,691 |
| Cash dividends to net income (ytd only)* | 50.2513% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 3,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 2,848 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 81.1487% | 545 |
| Net loans and leases to deposits | 102.2936% | 440 |
| Net loans and leases to core deposits | 106.5946% | 1,023 |
| Total domestic deposits to total assets | 79.3293% | 3,987 |
| Equity capital to assets | 8.1926% | 4,931 |
| Core capital (leverage) ratio | 8.1374% | 4,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4983% | 3,374 |
| Memoranda: | ||
| Average total assets | $126,267,500 | 3,624 |
| Average earning assets | $120,579,000 | 3,572 |
| Average equity | $10,467,000 | 4,185 |
| Average total loans | $104,169,500 | 3,171 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6865% | 2,367 |
| Cost of funding earning assets | 1.1779% | 1,077 |
| Net interest margin | 3.5085% | 3,421 |
| Noninterest income to average assets | 0.2710% | 4,054 |
| Noninterest expense to average assets | 2.9757% | 2,074 |
| Loan and lease loss provision to assets | 0.0116% | 3,783 |
| Net operating income to assets | 0.6207% | 4,099 |
| Return on assets (ROA) | 0.6223% | 4,158 |
| Pretax return on assets | 0.6223% | 4,375 |
| Return on Equity (ROE) | 7.5105% | 3,364 |
| Retained earnings to average equity (ytd only) | 4.0102% | 2,957 |
| Net charge-offs to loans | -0.0031% | 4,272 |
| Credit loss provision to net charge-offs | -466.6667% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4759% | 769 |
| Assets per employee ($millions) | 5.1475% | 2,398 |
| Cash dividends to net income (ytd only)* | 46.6045% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 3,791 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 2,723 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 82.2828% | 523 |
| Net loans and leases to deposits | 101.2087% | 519 |
| Net loans and leases to core deposits | 105.2603% | 1,153 |
| Total domestic deposits to total assets | 81.3001% | 3,702 |
| Equity capital to assets | 8.3907% | 4,953 |
| Core capital (leverage) ratio | 8.5313% | 4,831 |
| Tier 1 risk-based capital ratio | 9.7701% | 5,142 |
| Total risk-based capital ratio | 10.6855% | 5,149 |
| Memoranda: | ||
| Average total assets | $120,676,000 | 3,689 |
| Average earning assets | $114,776,800 | 3,635 |
| Average equity | $9,999,400 | 4,241 |
| Average total loans | $96,812,000 | 3,268 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6864% | 2,463 |
| Cost of funding earning assets | 1.1962% | 1,048 |
| Net interest margin | 3.4903% | 3,589 |
| Noninterest income to average assets | 0.2467% | 4,261 |
| Noninterest expense to average assets | 2.9387% | 2,131 |
| Loan and lease loss provision to assets | 0.0156% | 3,598 |
| Net operating income to assets | 0.6069% | 4,279 |
| Return on assets (ROA) | 0.6069% | 4,333 |
| Pretax return on assets | 0.6069% | 4,529 |
| Return on Equity (ROE) | 7.3476% | 3,570 |
| Retained earnings to average equity (ytd only) | 2.6376% | 4,032 |
| Net charge-offs to loans | -0.0014% | 4,021 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5218% | 721 |
| Assets per employee ($millions) | 5.0370% | 2,512 |
| Cash dividends to net income (ytd only)* | 64.1034% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 3,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 2,799 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 79.4008% | 931 |
| Net loans and leases to deposits | 95.0215% | 1,120 |
| Net loans and leases to core deposits | 98.5260% | 1,783 |
| Total domestic deposits to total assets | 83.5608% | 2,973 |
| Equity capital to assets | 8.4078% | 5,030 |
| Core capital (leverage) ratio | 8.3625% | 5,002 |
| Tier 1 risk-based capital ratio | 10.0691% | 5,180 |
| Total risk-based capital ratio | 11.0307% | 5,187 |
| Memoranda: | ||
| Average total assets | $119,959,750 | 3,743 |
| Average earning assets | $113,914,250 | 3,680 |
| Average equity | $9,907,750 | 4,295 |
| Average total loans | $95,361,000 | 3,331 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6175% | 2,623 |
| Cost of funding earning assets | 1.1817% | 1,042 |
| Net interest margin | 3.4358% | 3,782 |
| Noninterest income to average assets | 0.2290% | 4,381 |
| Noninterest expense to average assets | 3.0338% | 1,907 |
| Loan and lease loss provision to assets | 0.0234% | 3,338 |
| Net operating income to assets | 0.4329% | 4,666 |
| Return on assets (ROA) | 0.4329% | 4,691 |
| Pretax return on assets | 0.4329% | 4,785 |
| Return on Equity (ROE) | 5.2737% | 4,269 |
| Retained earnings to average equity (ytd only) | -1.8529% | 4,897 |
| Net charge-offs to loans | -0.0021% | 3,963 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9253% | 497 |
| Assets per employee ($millions) | 4.8422% | 2,679 |
| Cash dividends to net income (ytd only)* | 135.1351% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 3,428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4163% | 2,844 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 76.0450% | 1,540 |
| Net loans and leases to deposits | 91.3101% | 1,586 |
| Net loans and leases to core deposits | 94.0624% | 2,235 |
| Total domestic deposits to total assets | 83.2821% | 3,120 |
| Equity capital to assets | 8.1483% | 5,148 |
| Core capital (leverage) ratio | 8.2025% | 5,110 |
| Tier 1 risk-based capital ratio | 9.9510% | 5,235 |
| Total risk-based capital ratio | 10.9282% | 5,240 |
| Memoranda: | ||
| Average total assets | $119,650,330 | 3,771 |
| Average earning assets | $113,568,670 | 3,716 |
| Average equity | $9,822,330 | 4,325 |
| Average total loans | $94,832,000 | 3,356 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5442% | 2,719 |
| Cost of funding earning assets | 1.1679% | 992 |
| Net interest margin | 3.3763% | 3,957 |
| Noninterest income to average assets | 0.2825% | 3,989 |
| Noninterest expense to average assets | 2.9727% | 2,070 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5179% | 4,466 |
| Return on assets (ROA) | 0.5179% | 4,487 |
| Pretax return on assets | 0.5179% | 4,642 |
| Return on Equity (ROE) | 6.2848% | 3,930 |
| Retained earnings to average equity (ytd only) | 6.2848% | 2,327 |
| Net charge-offs to loans | -0.0042% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1638% | 634 |
| Assets per employee ($millions) | 5.0085% | 2,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 3,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 4,584 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 78.3377% | 1,100 |
| Net loans and leases to deposits | 94.1368% | 1,161 |
| Net loans and leases to core deposits | 100.5703% | 1,568 |
| Total domestic deposits to total assets | 83.2169% | 3,310 |
| Equity capital to assets | 8.2610% | 5,100 |
| Core capital (leverage) ratio | 8.4460% | 5,040 |
| Tier 1 risk-based capital ratio | 10.5528% | 5,168 |
| Total risk-based capital ratio | 11.5491% | 5,164 |
| Memoranda: | ||
| Average total assets | $118,947,500 | 3,820 |
| Average earning assets | $113,023,000 | 3,767 |
| Average equity | $9,801,500 | 4,356 |
| Average total loans | $95,739,000 | 3,384 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3640% | 2,881 |
| Cost of funding earning assets | 0.8075% | 1,487 |
| Net interest margin | 3.5566% | 3,521 |
| Noninterest income to average assets | 0.2421% | 4,472 |
| Noninterest expense to average assets | 3.1730% | 1,622 |
| Loan and lease loss provision to assets | 0.0643% | 2,871 |
| Net operating income to assets | 0.3786% | 4,893 |
| Return on assets (ROA) | 0.3786% | 4,891 |
| Pretax return on assets | 0.3786% | 4,957 |
| Return on Equity (ROE) | 4.5706% | 4,570 |
| Retained earnings to average equity (ytd only) | 4.5706% | 3,011 |
| Net charge-offs to loans | -0.0357% | 4,870 |
| Credit loss provision to net charge-offs | -221.2121% | 4,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7526% | 447 |
| Assets per employee ($millions) | 5.8846% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 3,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 4,596 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 81.0767% | 797 |
| Net loans and leases to deposits | 104.5676% | 455 |
| Net loans and leases to core deposits | 112.4016% | 861 |
| Total domestic deposits to total assets | 77.5352% | 4,555 |
| Equity capital to assets | 8.2190% | 5,077 |
| Core capital (leverage) ratio | 8.3563% | 5,084 |
| Tier 1 risk-based capital ratio | 10.1404% | 5,267 |
| Total risk-based capital ratio | 11.1117% | 5,296 |
| Memoranda: | ||
| Average total assets | $113,584,600 | 3,894 |
| Average earning assets | $107,744,000 | 3,840 |
| Average equity | $9,408,000 | 4,398 |
| Average total loans | $92,381,600 | 3,435 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2717% | 3,069 |
| Cost of funding earning assets | 0.7244% | 1,723 |
| Net interest margin | 3.5473% | 3,528 |
| Noninterest income to average assets | 0.2428% | 4,525 |
| Noninterest expense to average assets | 3.1106% | 1,735 |
| Loan and lease loss provision to assets | 0.0865% | 2,246 |
| Net operating income to assets | 0.4099% | 4,936 |
| Return on assets (ROA) | 0.4099% | 4,939 |
| Pretax return on assets | 0.4099% | 5,027 |
| Return on Equity (ROE) | 4.9383% | 4,585 |
| Retained earnings to average equity (ytd only) | 4.9383% | 3,268 |
| Net charge-offs to loans | -0.0015% | 4,050 |
| Credit loss provision to net charge-offs | -7,300.0000% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2397% | 500 |
| Assets per employee ($millions) | 5.4838% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 3,976 |
| Loan loss allowance to noncurrent loans | 1,345.5882% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 4,417 |
| Noncurrent loans to loans | 0.0717% | 4,554 |
| Net loans and leases to total assets | 81.5551% | 788 |
| Net loans and leases to deposits | 105.8446% | 448 |
| Net loans and leases to core deposits | 112.1891% | 906 |
| Total domestic deposits to total assets | 77.0517% | 4,635 |
| Equity capital to assets | 8.2799% | 5,044 |
| Core capital (leverage) ratio | 8.5349% | 5,078 |
| Tier 1 risk-based capital ratio | 10.3423% | 5,282 |
| Total risk-based capital ratio | 11.3086% | 5,313 |
| Memoranda: | ||
| Average total assets | $112,558,000 | 3,945 |
| Average earning assets | $106,746,250 | 3,903 |
| Average equity | $9,341,750 | 4,449 |
| Average total loans | $91,385,500 | 3,473 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1625% | 3,231 |
| Cost of funding earning assets | 0.6673% | 1,829 |
| Net interest margin | 3.4952% | 3,645 |
| Noninterest income to average assets | 0.2579% | 4,468 |
| Noninterest expense to average assets | 3.2787% | 1,373 |
| Loan and lease loss provision to assets | 0.1039% | 1,872 |
| Net operating income to assets | 0.1862% | 5,244 |
| Return on assets (ROA) | 0.1862% | 5,234 |
| Pretax return on assets | 0.1862% | 5,248 |
| Return on Equity (ROE) | 2.2420% | 5,147 |
| Retained earnings to average equity (ytd only) | 2.2420% | 4,383 |
| Net charge-offs to loans | 0.0044% | 3,016 |
| Credit loss provision to net charge-offs | 2,900.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 817 |
| Efficiency ratio | 91.8716% | 314 |
| Assets per employee ($millions) | 4.8877% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 3,972 |
| Loan loss allowance to noncurrent loans | 430.7692% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 3,822 |
| Noncurrent loans to loans | 0.2268% | 3,906 |
| Net loans and leases to total assets | 80.7832% | 888 |
| Net loans and leases to deposits | 102.5104% | 623 |
| Net loans and leases to core deposits | 107.3578% | 1,160 |
| Total domestic deposits to total assets | 78.8048% | 4,460 |
| Equity capital to assets | 8.2834% | 5,088 |
| Core capital (leverage) ratio | 8.5173% | 5,094 |
| Tier 1 risk-based capital ratio | 10.3929% | 5,316 |
| Total risk-based capital ratio | 11.3679% | 5,327 |
| Memoranda: | ||
| Average total assets | $111,691,000 | 3,988 |
| Average earning assets | $105,801,000 | 3,950 |
| Average equity | $9,277,330 | 4,499 |
| Average total loans | $90,236,330 | 3,511 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0091% | 3,577 |
| Cost of funding earning assets | 0.6182% | 1,924 |
| Net interest margin | 3.3908% | 3,911 |
| Noninterest income to average assets | 0.0144% | 5,540 |
| Noninterest expense to average assets | 3.3702% | 1,214 |
| Loan and lease loss provision to assets | 0.1365% | 1,380 |
| Net operating income to assets | -0.2803% | 5,466 |
| Return on assets (ROA) | -0.2803% | 5,461 |
| Pretax return on assets | -0.2803% | 5,462 |
| Return on Equity (ROE) | -3.3693% | 5,477 |
| Retained earnings to average equity (ytd only) | -3.3693% | 5,105 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4543% | 138 |
| Assets per employee ($millions) | 4.2593% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 4,090 |
| Loan loss allowance to noncurrent loans | 43,950.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 3,997 |
| Noncurrent loans to loans | 0.0022% | 5,017 |
| Net loans and leases to total assets | 80.6386% | 847 |
| Net loans and leases to deposits | 104.4164% | 458 |
| Net loans and leases to core deposits | 109.3425% | 1,042 |
| Total domestic deposits to total assets | 77.2279% | 4,838 |
| Equity capital to assets | 8.2607% | 5,129 |
| Core capital (leverage) ratio | 8.5688% | 5,091 |
| Tier 1 risk-based capital ratio | 10.3830% | 5,390 |
| Total risk-based capital ratio | 11.3571% | 5,403 |
| Memoranda: | ||
| Average total assets | $111,328,000 | 4,041 |
| Average earning assets | $105,461,000 | 4,000 |
| Average equity | $9,260,000 | 4,548 |
| Average total loans | $89,499,500 | 3,555 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8755% | 3,800 |
| Cost of funding earning assets | 0.4954% | 2,375 |
| Net interest margin | 3.3801% | 3,910 |
| Noninterest income to average assets | 0.2707% | 4,503 |
| Noninterest expense to average assets | 3.1808% | 1,649 |
| Loan and lease loss provision to assets | 0.1058% | 2,118 |
| Net operating income to assets | 0.1602% | 5,179 |
| Return on assets (ROA) | 0.1602% | 5,185 |
| Pretax return on assets | 0.1602% | 5,343 |
| Return on Equity (ROE) | 1.8463% | 5,092 |
| Retained earnings to average equity (ytd only) | 1.8463% | 4,213 |
| Net charge-offs to loans | 0.0498% | 2,795 |
| Credit loss provision to net charge-offs | 275.6098% | 1,011 |
| Earnings coverage of net charge-offs (x) | 6.9268% | 3,117 |
| Efficiency ratio | 92.2826% | 346 |
| Assets per employee ($millions) | 4.6631% | 2,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9457% | 4,238 |
| Loan loss allowance to noncurrent loans | 42,000.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 3,724 |
| Noncurrent loans to loans | 0.0023% | 5,061 |
| Net loans and leases to total assets | 78.6132% | 1,195 |
| Net loans and leases to deposits | 101.3338% | 634 |
| Net loans and leases to core deposits | 106.0294% | 1,263 |
| Total domestic deposits to total assets | 77.5785% | 4,782 |
| Equity capital to assets | 8.3742% | 5,211 |
| Core capital (leverage) ratio | 8.5356% | 5,106 |
| Tier 1 risk-based capital ratio | 10.4586% | 5,380 |
| Total risk-based capital ratio | 11.3885% | 5,428 |
| Memoranda: | ||
| Average total assets | $106,765,600 | 4,121 |
| Average earning assets | $100,323,400 | 4,093 |
| Average equity | $9,261,800 | 4,569 |
| Average total loans | $82,376,000 | 3,694 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8149% | 3,954 |
| Cost of funding earning assets | 0.4759% | 2,469 |
| Net interest margin | 3.3391% | 4,049 |
| Noninterest income to average assets | 0.2654% | 4,612 |
| Noninterest expense to average assets | 3.0944% | 1,817 |
| Loan and lease loss provision to assets | 0.0948% | 2,199 |
| Net operating income to assets | 0.2073% | 5,347 |
| Return on assets (ROA) | 0.2073% | 5,360 |
| Pretax return on assets | 0.2073% | 5,383 |
| Return on Equity (ROE) | 2.3679% | 5,250 |
| Retained earnings to average equity (ytd only) | 2.3679% | 4,466 |
| Net charge-offs to loans | 0.0677% | 2,155 |
| Credit loss provision to net charge-offs | 182.9268% | 1,446 |
| Earnings coverage of net charge-offs (x) | 5.8288% | 3,054 |
| Efficiency ratio | 91.1053% | 373 |
| Assets per employee ($millions) | 4.5998% | 2,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 4,444 |
| Loan loss allowance to noncurrent loans | 26,766.6667% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.3451% | 3,658 |
| Noncurrent loans to loans | 0.0035% | 5,141 |
| Net loans and leases to total assets | 77.8171% | 1,297 |
| Net loans and leases to deposits | 99.0077% | 821 |
| Net loans and leases to core deposits | 102.9801% | 1,467 |
| Total domestic deposits to total assets | 78.5971% | 4,609 |
| Equity capital to assets | 8.5673% | 5,243 |
| Core capital (leverage) ratio | 8.7219% | 5,037 |
| Tier 1 risk-based capital ratio | 10.6432% | 5,398 |
| Total risk-based capital ratio | 11.5486% | 5,457 |
| Memoranda: | ||
| Average total assets | $105,478,250 | 4,187 |
| Average earning assets | $98,907,000 | 4,160 |
| Average equity | $9,234,250 | 4,627 |
| Average total loans | $80,765,000 | 3,765 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7766% | 3,974 |
| Cost of funding earning assets | 0.4571% | 2,533 |
| Net interest margin | 3.3195% | 4,050 |
| Noninterest income to average assets | 0.3101% | 4,318 |
| Noninterest expense to average assets | 3.2261% | 1,523 |
| Loan and lease loss provision to assets | 0.0732% | 2,506 |
| Net operating income to assets | 0.1156% | 5,478 |
| Return on assets (ROA) | 0.1156% | 5,482 |
| Pretax return on assets | 0.1156% | 5,497 |
| Return on Equity (ROE) | 1.3101% | 5,439 |
| Retained earnings to average equity (ytd only) | 1.3101% | 4,728 |
| Net charge-offs to loans | 0.0762% | 1,861 |
| Credit loss provision to net charge-offs | 126.6667% | 1,714 |
| Earnings coverage of net charge-offs (x) | 3.2667% | 3,071 |
| Efficiency ratio | 94.4726% | 296 |
| Assets per employee ($millions) | 4.6495% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 4,387 |
| Loan loss allowance to noncurrent loans | 19,400.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.5237% | 3,015 |
| Noncurrent loans to loans | 0.0049% | 5,174 |
| Net loans and leases to total assets | 75.2230% | 1,660 |
| Net loans and leases to deposits | 96.6235% | 1,016 |
| Net loans and leases to core deposits | 100.6620% | 1,606 |
| Total domestic deposits to total assets | 77.8517% | 4,837 |
| Equity capital to assets | 8.7724% | 5,088 |
| Core capital (leverage) ratio | 9.0569% | 4,659 |
| Tier 1 risk-based capital ratio | 10.6315% | 5,411 |
| Total risk-based capital ratio | 11.5153% | 5,489 |
| Memoranda: | ||
| Average total assets | $103,839,000 | 4,245 |
| Average earning assets | $97,123,670 | 4,214 |
| Average equity | $9,159,670 | 4,659 |
| Average total loans | $78,783,330 | 3,819 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7584% | 3,906 |
| Cost of funding earning assets | 0.4682% | 2,358 |
| Net interest margin | 3.2902% | 4,040 |
| Noninterest income to average assets | 0.1642% | 5,294 |
| Noninterest expense to average assets | 3.1362% | 1,775 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1056% | 5,506 |
| Return on assets (ROA) | 0.1056% | 5,512 |
| Pretax return on assets | 0.1056% | 5,508 |
| Return on Equity (ROE) | 1.1935% | 5,463 |
| Retained earnings to average equity (ytd only) | 1.1935% | 4,594 |
| Net charge-offs to loans | -0.1650% | 5,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7431% | 297 |
| Assets per employee ($millions) | 4.1339% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 4,108 |
| Loan loss allowance to noncurrent loans | 727.2727% | 770 |
| Noncurrent assets plus other real estate owned to assets | 1.0818% | 1,647 |
| Noncurrent loans to loans | 0.1414% | 4,624 |
| Net loans and leases to total assets | 74.4978% | 1,661 |
| Net loans and leases to deposits | 92.2712% | 1,301 |
| Net loans and leases to core deposits | 94.5302% | 1,933 |
| Total domestic deposits to total assets | 80.7379% | 4,471 |
| Equity capital to assets | 9.0103% | 4,796 |
| Core capital (leverage) ratio | 9.0603% | 4,665 |
| Tier 1 risk-based capital ratio | 11.1620% | 5,223 |
| Total risk-based capital ratio | 12.1219% | 5,298 |
| Memoranda: | ||
| Average total assets | $102,289,500 | 4,308 |
| Average earning assets | $95,678,000 | 4,281 |
| Average equity | $9,049,000 | 4,710 |
| Average total loans | $77,566,000 | 3,870 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8681% | 3,684 |
| Cost of funding earning assets | 0.4819% | 2,238 |
| Net interest margin | 3.3862% | 3,863 |
| Noninterest income to average assets | 0.3899% | 3,962 |
| Noninterest expense to average assets | 3.5194% | 1,134 |
| Loan and lease loss provision to assets | -0.0859% | 5,670 |
| Net operating income to assets | 0.0869% | 5,578 |
| Return on assets (ROA) | 0.1505% | 5,534 |
| Pretax return on assets | 0.1505% | 5,541 |
| Return on Equity (ROE) | 1.7187% | 5,454 |
| Retained earnings to average equity (ytd only) | 1.7187% | 4,552 |
| Net charge-offs to loans | -0.0356% | 5,304 |
| Credit loss provision to net charge-offs | 326.9231% | 919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9713% | 225 |
| Assets per employee ($millions) | 4.0492% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 4,375 |
| Loan loss allowance to noncurrent loans | 15,360.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 1.1627% | 1,573 |
| Noncurrent loans to loans | 0.0065% | 5,283 |
| Net loans and leases to total assets | 75.6409% | 1,572 |
| Net loans and leases to deposits | 93.0378% | 1,295 |
| Net loans and leases to core deposits | 95.7641% | 1,942 |
| Total domestic deposits to total assets | 81.3012% | 4,260 |
| Equity capital to assets | 8.6792% | 5,126 |
| Core capital (leverage) ratio | 8.6850% | 5,091 |
| Tier 1 risk-based capital ratio | 10.7093% | 5,482 |
| Total risk-based capital ratio | 11.6444% | 5,558 |
| Memoranda: | ||
| Average total assets | $98,994,200 | 4,365 |
| Average earning assets | $91,517,400 | 4,359 |
| Average equity | $8,669,200 | 4,806 |
| Average total loans | $73,030,400 | 3,966 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8759% | 3,667 |
| Cost of funding earning assets | 0.4830% | 2,231 |
| Net interest margin | 3.3929% | 3,872 |
| Noninterest income to average assets | 0.5106% | 3,180 |
| Noninterest expense to average assets | 3.4526% | 1,245 |
| Loan and lease loss provision to assets | -0.0867% | 5,772 |
| Net operating income to assets | 0.2750% | 5,332 |
| Return on assets (ROA) | 0.3603% | 5,226 |
| Pretax return on assets | 0.3603% | 5,366 |
| Return on Equity (ROE) | 4.1049% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.1049% | 3,389 |
| Net charge-offs to loans | -0.0093% | 4,756 |
| Credit loss provision to net charge-offs | 1,280.0000% | 330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8289% | 358 |
| Assets per employee ($millions) | 4.2193% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 4,278 |
| Loan loss allowance to noncurrent loans | 12,800.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 1.4062% | 1,322 |
| Noncurrent loans to loans | 0.0080% | 5,381 |
| Net loans and leases to total assets | 73.3874% | 1,971 |
| Net loans and leases to deposits | 89.9839% | 1,757 |
| Net loans and leases to core deposits | 92.5536% | 2,327 |
| Total domestic deposits to total assets | 81.5561% | 4,092 |
| Equity capital to assets | 8.7435% | 5,368 |
| Core capital (leverage) ratio | 8.7359% | 5,119 |
| Tier 1 risk-based capital ratio | 10.6835% | 5,531 |
| Total risk-based capital ratio | 11.6253% | 5,594 |
| Memoranda: | ||
| Average total assets | $98,435,000 | 4,406 |
| Average earning assets | $90,814,750 | 4,400 |
| Average equity | $8,640,000 | 4,864 |
| Average total loans | $71,953,000 | 4,021 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7302% | 4,189 |
| Cost of funding earning assets | 0.4812% | 2,260 |
| Net interest margin | 3.2489% | 4,384 |
| Noninterest income to average assets | 0.4841% | 3,306 |
| Noninterest expense to average assets | 3.5818% | 1,031 |
| Loan and lease loss provision to assets | -0.0882% | 5,868 |
| Net operating income to assets | -0.0041% | 5,770 |
| Return on assets (ROA) | 0.1251% | 5,687 |
| Pretax return on assets | 0.1251% | 5,694 |
| Return on Equity (ROE) | 1.4238% | 5,623 |
| Retained earnings to average equity (ytd only) | 1.4238% | 4,806 |
| Net charge-offs to loans | -0.0197% | 4,940 |
| Credit loss provision to net charge-offs | 614.2857% | 553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6455% | 211 |
| Assets per employee ($millions) | 4.0089% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 4,179 |
| Loan loss allowance to noncurrent loans | 13,183.3333% | 60 |
| Noncurrent assets plus other real estate owned to assets | 1.5655% | 1,195 |
| Noncurrent loans to loans | 0.0080% | 5,474 |
| Net loans and leases to total assets | 73.7802% | 1,883 |
| Net loans and leases to deposits | 91.7226% | 1,552 |
| Net loans and leases to core deposits | 94.4054% | 2,124 |
| Total domestic deposits to total assets | 80.4384% | 4,434 |
| Equity capital to assets | 8.6418% | 5,517 |
| Core capital (leverage) ratio | 8.5616% | 5,307 |
| Tier 1 risk-based capital ratio | 10.4167% | 5,709 |
| Total risk-based capital ratio | 11.3853% | 5,750 |
| Memoranda: | ||
| Average total assets | $97,492,000 | 4,464 |
| Average earning assets | $90,183,000 | 4,455 |
| Average equity | $8,568,670 | 4,907 |
| Average total loans | $70,909,670 | 4,070 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5530% | 4,754 |
| Cost of funding earning assets | 0.4779% | 2,298 |
| Net interest margin | 3.0750% | 4,936 |
| Noninterest income to average assets | 0.5451% | 2,838 |
| Noninterest expense to average assets | 3.7409% | 852 |
| Loan and lease loss provision to assets | -0.0874% | 5,978 |
| Net operating income to assets | -0.2705% | 5,903 |
| Return on assets (ROA) | -0.0083% | 5,818 |
| Pretax return on assets | -0.0083% | 5,819 |
| Return on Equity (ROE) | -0.0939% | 5,821 |
| Retained earnings to average equity (ytd only) | -0.0939% | 5,122 |
| Net charge-offs to loans | -0.0232% | 4,935 |
| Credit loss provision to net charge-offs | 525.0000% | 584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.5781% | 149 |
| Assets per employee ($millions) | 3.8883% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 3,865 |
| Loan loss allowance to noncurrent loans | 8,100.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 1.6851% | 1,159 |
| Noncurrent loans to loans | 0.0140% | 5,465 |
| Net loans and leases to total assets | 72.6553% | 1,929 |
| Net loans and leases to deposits | 91.1291% | 1,452 |
| Net loans and leases to core deposits | 93.4664% | 2,050 |
| Total domestic deposits to total assets | 79.7278% | 4,809 |
| Equity capital to assets | 8.7926% | 5,347 |
| Core capital (leverage) ratio | 8.9206% | 4,947 |
| Tier 1 risk-based capital ratio | 10.9927% | 5,509 |
| Total risk-based capital ratio | 12.0470% | 5,512 |
| Memoranda: | ||
| Average total assets | $96,127,000 | 4,530 |
| Average earning assets | $88,715,000 | 4,534 |
| Average equity | $8,522,500 | 4,950 |
| Average total loans | $68,997,000 | 4,135 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4755% | 4,991 |
| Cost of funding earning assets | 0.4873% | 2,291 |
| Net interest margin | 2.9882% | 5,168 |
| Noninterest income to average assets | 1.1966% | 837 |
| Noninterest expense to average assets | 4.0927% | 606 |
| Loan and lease loss provision to assets | -0.3202% | 6,073 |
| Net operating income to assets | 0.1473% | 5,681 |
| Return on assets (ROA) | 0.1516% | 5,724 |
| Pretax return on assets | 0.1516% | 5,749 |
| Return on Equity (ROE) | 1.6525% | 5,654 |
| Retained earnings to average equity (ytd only) | 1.6525% | 4,783 |
| Net charge-offs to loans | 0.0166% | 3,949 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,686 |
| Earnings coverage of net charge-offs (x) | -16.2000% | 4,435 |
| Efficiency ratio | 104.4118% | 205 |
| Assets per employee ($millions) | 3.9603% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 3,224 |
| Loan loss allowance to noncurrent loans | 6,891.6667% | 132 |
| Noncurrent assets plus other real estate owned to assets | 2.0653% | 838 |
| Noncurrent loans to loans | 0.0180% | 5,448 |
| Net loans and leases to total assets | 69.1563% | 2,507 |
| Net loans and leases to deposits | 89.8112% | 1,635 |
| Net loans and leases to core deposits | 90.9772% | 2,321 |
| Total domestic deposits to total assets | 77.0019% | 5,314 |
| Equity capital to assets | 8.9408% | 5,182 |
| Core capital (leverage) ratio | 9.0344% | 4,844 |
| Tier 1 risk-based capital ratio | 11.5072% | 5,250 |
| Total risk-based capital ratio | 12.6338% | 5,216 |
| Memoranda: | ||
| Average total assets | $93,678,800 | 4,589 |
| Average earning assets | $85,370,000 | 4,603 |
| Average equity | $8,593,200 | 4,936 |
| Average total loans | $60,198,200 | 4,376 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4873% | 5,009 |
| Cost of funding earning assets | 0.4939% | 2,278 |
| Net interest margin | 2.9934% | 5,208 |
| Noninterest income to average assets | 1.3713% | 655 |
| Noninterest expense to average assets | 4.0269% | 646 |
| Loan and lease loss provision to assets | -0.2857% | 6,146 |
| Net operating income to assets | 0.3486% | 5,319 |
| Return on assets (ROA) | 0.3486% | 5,405 |
| Pretax return on assets | 0.3486% | 5,558 |
| Return on Equity (ROE) | 3.7754% | 5,114 |
| Retained earnings to average equity (ytd only) | 3.7754% | 3,785 |
| Net charge-offs to loans | 0.0159% | 3,636 |
| Credit loss provision to net charge-offs | -2,857.1429% | 5,643 |
| Earnings coverage of net charge-offs (x) | 6.2883% | 3,070 |
| Efficiency ratio | 98.4632% | 340 |
| Assets per employee ($millions) | 3.8870% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 2,050 |
| Loan loss allowance to noncurrent loans | 93,100.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 2.3219% | 784 |
| Noncurrent loans to loans | 0.0016% | 5,668 |
| Net loans and leases to total assets | 64.4356% | 3,236 |
| Net loans and leases to deposits | 80.4707% | 2,820 |
| Net loans and leases to core deposits | 81.4929% | 3,309 |
| Total domestic deposits to total assets | 80.0733% | 4,734 |
| Equity capital to assets | 9.3014% | 5,005 |
| Core capital (leverage) ratio | 9.0998% | 4,882 |
| Tier 1 risk-based capital ratio | 13.1971% | 4,323 |
| Total risk-based capital ratio | 14.4491% | 4,245 |
| Memoranda: | ||
| Average total assets | $93,336,750 | 4,645 |
| Average earning assets | $84,763,000 | 4,671 |
| Average equity | $8,617,000 | 4,993 |
| Average total loans | $58,608,250 | 4,457 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4674% | 5,072 |
| Cost of funding earning assets | 0.4947% | 2,298 |
| Net interest margin | 2.9727% | 5,284 |
| Noninterest income to average assets | 1.7311% | 452 |
| Noninterest expense to average assets | 3.9270% | 742 |
| Loan and lease loss provision to assets | -0.2678% | 6,212 |
| Net operating income to assets | 0.7627% | 3,578 |
| Return on assets (ROA) | 0.7627% | 3,680 |
| Pretax return on assets | 0.7627% | 4,445 |
| Return on Equity (ROE) | 8.2820% | 2,896 |
| Retained earnings to average equity (ytd only) | 8.2820% | 1,153 |
| Net charge-offs to loans | -0.0311% | 5,347 |
| Credit loss provision to net charge-offs | 1,388.8889% | 265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8081% | 842 |
| Assets per employee ($millions) | 3.8907% | 4,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 1,631 |
| Loan loss allowance to noncurrent loans | 2,003.9216% | 293 |
| Noncurrent assets plus other real estate owned to assets | 2.5499% | 728 |
| Noncurrent loans to loans | 0.0842% | 5,404 |
| Net loans and leases to total assets | 63.7594% | 3,294 |
| Net loans and leases to deposits | 79.7567% | 2,825 |
| Net loans and leases to core deposits | 80.7684% | 3,296 |
| Total domestic deposits to total assets | 79.9424% | 4,885 |
| Equity capital to assets | 9.3921% | 4,790 |
| Core capital (leverage) ratio | 9.3365% | 4,506 |
| Tier 1 risk-based capital ratio | 13.5839% | 4,170 |
| Total risk-based capital ratio | 14.8372% | 4,099 |
| Memoranda: | ||
| Average total assets | $93,353,330 | 4,695 |
| Average earning assets | $84,501,670 | 4,723 |
| Average equity | $8,597,000 | 5,038 |
| Average total loans | $57,797,330 | 4,514 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2998% | 5,453 |
| Cost of funding earning assets | 0.4993% | 2,285 |
| Net interest margin | 2.8006% | 5,637 |
| Noninterest income to average assets | 2.3741% | 292 |
| Noninterest expense to average assets | 4.0068% | 687 |
| Loan and lease loss provision to assets | -0.2143% | 6,274 |
| Net operating income to assets | 1.1056% | 1,850 |
| Return on assets (ROA) | 1.1056% | 1,955 |
| Pretax return on assets | 1.1056% | 3,045 |
| Return on Equity (ROE) | 12.1262% | 1,311 |
| Retained earnings to average equity (ytd only) | 12.1262% | 551 |
| Net charge-offs to loans | -0.0567% | 5,580 |
| Credit loss provision to net charge-offs | 625.0000% | 454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4523% | 1,696 |
| Assets per employee ($millions) | 3.5853% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9213% | 1,239 |
| Loan loss allowance to noncurrent loans | 109,600.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 3.1496% | 573 |
| Noncurrent loans to loans | 0.0018% | 5,817 |
| Net loans and leases to total assets | 60.0185% | 3,646 |
| Net loans and leases to deposits | 74.4098% | 3,253 |
| Net loans and leases to core deposits | 75.8596% | 3,611 |
| Total domestic deposits to total assets | 80.6593% | 4,900 |
| Equity capital to assets | 9.3008% | 4,966 |
| Core capital (leverage) ratio | 9.2524% | 4,645 |
| Tier 1 risk-based capital ratio | 13.8423% | 4,123 |
| Total risk-based capital ratio | 15.0985% | 4,039 |
| Memoranda: | ||
| Average total assets | $93,342,000 | 4,743 |
| Average earning assets | $84,125,500 | 4,771 |
| Average equity | $8,510,500 | 5,094 |
| Average total loans | $56,417,000 | 4,594 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 4,855 |
| Cost of funding earning assets | 0.5390% | 2,299 |
| Net interest margin | 3.1401% | 5,095 |
| Noninterest income to average assets | 1.3327% | 694 |
| Noninterest expense to average assets | 3.9874% | 761 |
| Loan and lease loss provision to assets | -0.2650% | 6,349 |
| Net operating income to assets | 0.3838% | 5,277 |
| Return on assets (ROA) | 0.3838% | 5,344 |
| Pretax return on assets | 0.3838% | 5,523 |
| Return on Equity (ROE) | 4.2709% | 4,994 |
| Retained earnings to average equity (ytd only) | -1.1326% | 5,937 |
| Net charge-offs to loans | -0.3621% | 6,356 |
| Credit loss provision to net charge-offs | 126.2626% | 1,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6951% | 478 |
| Assets per employee ($millions) | 3.5948% | 4,729 |
| Cash dividends to net income (ytd only)* | 126.5193% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0398% | 1,042 |
| Loan loss allowance to noncurrent loans | 113,800.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 3.4922% | 532 |
| Noncurrent loans to loans | 0.0018% | 5,931 |
| Net loans and leases to total assets | 58.4726% | 3,996 |
| Net loans and leases to deposits | 72.3254% | 3,640 |
| Net loans and leases to core deposits | 73.4718% | 3,969 |
| Total domestic deposits to total assets | 80.8465% | 4,781 |
| Equity capital to assets | 8.9348% | 5,357 |
| Core capital (leverage) ratio | 8.9106% | 5,107 |
| Tier 1 risk-based capital ratio | 14.1018% | 4,027 |
| Total risk-based capital ratio | 15.3602% | 3,945 |
| Memoranda: | ||
| Average total assets | $94,323,200 | 4,743 |
| Average earning assets | $83,309,800 | 4,811 |
| Average equity | $8,476,000 | 5,089 |
| Average total loans | $54,687,000 | 4,664 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8065% | 4,520 |
| Cost of funding earning assets | 0.5440% | 2,342 |
| Net interest margin | 3.2625% | 4,751 |
| Noninterest income to average assets | 1.4555% | 591 |
| Noninterest expense to average assets | 3.9673% | 781 |
| Loan and lease loss provision to assets | -0.2821% | 6,450 |
| Net operating income to assets | 0.6375% | 4,271 |
| Return on assets (ROA) | 0.6375% | 4,375 |
| Pretax return on assets | 0.6375% | 4,915 |
| Return on Equity (ROE) | 7.0840% | 3,666 |
| Retained earnings to average equity (ytd only) | -0.0940% | 5,811 |
| Net charge-offs to loans | -0.4827% | 6,454 |
| Credit loss provision to net charge-offs | 101.5228% | 2,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3866% | 746 |
| Assets per employee ($millions) | 3.7541% | 4,389 |
| Cash dividends to net income (ytd only)* | 101.3275% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1738% | 982 |
| Loan loss allowance to noncurrent loans | 1,428.9157% | 415 |
| Noncurrent assets plus other real estate owned to assets | 4.6829% | 383 |
| Noncurrent loans to loans | 0.1521% | 5,453 |
| Net loans and leases to total assets | 56.8677% | 4,219 |
| Net loans and leases to deposits | 70.3374% | 3,883 |
| Net loans and leases to core deposits | 71.4465% | 4,208 |
| Total domestic deposits to total assets | 80.8498% | 4,864 |
| Equity capital to assets | 8.9523% | 5,402 |
| Core capital (leverage) ratio | 8.8675% | 5,239 |
| Tier 1 risk-based capital ratio | 14.3343% | 4,001 |
| Total risk-based capital ratio | 15.5931% | 3,921 |
| Memoranda: | ||
| Average total assets | $94,537,500 | 4,781 |
| Average earning assets | $83,083,000 | 4,866 |
| Average equity | $8,507,250 | 5,128 |
| Average total loans | $54,411,250 | 4,715 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9940% | 3,747 |
| Cost of funding earning assets | 0.5506% | 2,344 |
| Net interest margin | 3.4434% | 4,006 |
| Noninterest income to average assets | 1.8340% | 401 |
| Noninterest expense to average assets | 3.9001% | 852 |
| Loan and lease loss provision to assets | -0.3166% | 6,536 |
| Net operating income to assets | 1.2599% | 1,416 |
| Return on assets (ROA) | 1.2599% | 1,480 |
| Pretax return on assets | 1.2599% | 2,411 |
| Return on Equity (ROE) | 13.9775% | 960 |
| Retained earnings to average equity (ytd only) | 3.2544% | 4,132 |
| Net charge-offs to loans | -0.7284% | 6,549 |
| Credit loss provision to net charge-offs | 75.7576% | 2,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2179% | 1,991 |
| Assets per employee ($millions) | 3.9720% | 3,901 |
| Cash dividends to net income (ytd only)* | 76.7169% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2512% | 954 |
| Loan loss allowance to noncurrent loans | 24,760.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 4.6849% | 406 |
| Noncurrent loans to loans | 0.0091% | 6,066 |
| Net loans and leases to total assets | 56.3901% | 4,223 |
| Net loans and leases to deposits | 69.4482% | 3,889 |
| Net loans and leases to core deposits | 70.7545% | 4,182 |
| Total domestic deposits to total assets | 81.1974% | 4,918 |
| Equity capital to assets | 9.0195% | 5,277 |
| Core capital (leverage) ratio | 9.0869% | 4,887 |
| Tier 1 risk-based capital ratio | 14.8756% | 3,697 |
| Total risk-based capital ratio | 16.1370% | 3,641 |
| Memoranda: | ||
| Average total assets | $94,765,670 | 4,802 |
| Average earning assets | $82,825,000 | 4,908 |
| Average equity | $8,542,330 | 5,151 |
| Average total loans | $54,362,330 | 4,738 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 3,726 |
| Cost of funding earning assets | 0.5667% | 2,277 |
| Net interest margin | 3.4244% | 4,011 |
| Noninterest income to average assets | 1.7146% | 429 |
| Noninterest expense to average assets | 4.0387% | 722 |
| Loan and lease loss provision to assets | -0.4233% | 6,648 |
| Net operating income to assets | 1.0668% | 1,945 |
| Return on assets (ROA) | 1.0668% | 2,015 |
| Pretax return on assets | 1.0668% | 3,051 |
| Return on Equity (ROE) | 11.8386% | 1,455 |
| Retained earnings to average equity (ytd only) | 11.8386% | 630 |
| Net charge-offs to loans | -0.0148% | 5,202 |
| Credit loss provision to net charge-offs | 5,000.0000% | 72 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8951% | 1,467 |
| Assets per employee ($millions) | 4.0761% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0206% | 1,476 |
| Loan loss allowance to noncurrent loans | 965.4867% | 531 |
| Noncurrent assets plus other real estate owned to assets | 7.0539% | 217 |
| Noncurrent loans to loans | 0.2093% | 5,468 |
| Net loans and leases to total assets | 56.4299% | 4,088 |
| Net loans and leases to deposits | 69.5781% | 3,652 |
| Net loans and leases to core deposits | 70.9146% | 3,992 |
| Total domestic deposits to total assets | 81.1029% | 5,203 |
| Equity capital to assets | 9.2245% | 4,843 |
| Core capital (leverage) ratio | 9.2762% | 4,609 |
| Tier 1 risk-based capital ratio | 14.5601% | 3,976 |
| Total risk-based capital ratio | 15.8173% | 3,919 |
| Memoranda: | ||
| Average total assets | $94,485,000 | 4,861 |
| Average earning assets | $81,883,500 | 4,980 |
| Average equity | $8,514,500 | 5,177 |
| Average total loans | $54,047,000 | 4,792 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1028% | 3,728 |
| Cost of funding earning assets | 0.6254% | 2,434 |
| Net interest margin | 3.4774% | 3,995 |
| Noninterest income to average assets | 1.3409% | 770 |
| Noninterest expense to average assets | 4.5115% | 525 |
| Loan and lease loss provision to assets | -0.0522% | 6,390 |
| Net operating income to assets | -0.1337% | 6,326 |
| Return on assets (ROA) | -0.1337% | 6,343 |
| Pretax return on assets | -0.1337% | 6,311 |
| Return on Equity (ROE) | -1.5134% | 6,353 |
| Retained earnings to average equity (ytd only) | -1.5134% | 6,127 |
| Net charge-offs to loans | 0.0189% | 5,064 |
| Credit loss provision to net charge-offs | -454.5455% | 6,127 |
| Earnings coverage of net charge-offs (x) | -16.1818% | 5,442 |
| Efficiency ratio | 103.5973% | 380 |
| Assets per employee ($millions) | 3.9675% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1978% | 1,178 |
| Loan loss allowance to noncurrent loans | 687.2832% | 719 |
| Noncurrent assets plus other real estate owned to assets | 7.1897% | 231 |
| Noncurrent loans to loans | 0.3198% | 5,229 |
| Net loans and leases to total assets | 55.5671% | 4,379 |
| Net loans and leases to deposits | 68.0624% | 4,047 |
| Net loans and leases to core deposits | 69.5730% | 4,327 |
| Total domestic deposits to total assets | 81.6415% | 4,993 |
| Equity capital to assets | 8.8017% | 5,252 |
| Core capital (leverage) ratio | 8.7954% | 5,288 |
| Tier 1 risk-based capital ratio | 14.5530% | 3,930 |
| Total risk-based capital ratio | 15.8127% | 3,859 |
| Memoranda: | ||
| Average total assets | $95,754,600 | 4,844 |
| Average earning assets | $82,188,400 | 4,976 |
| Average equity | $8,458,000 | 5,223 |
| Average total loans | $58,135,800 | 4,683 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2154% | 3,329 |
| Cost of funding earning assets | 0.6349% | 2,506 |
| Net interest margin | 3.5805% | 3,532 |
| Noninterest income to average assets | 1.3501% | 800 |
| Noninterest expense to average assets | 4.7805% | 405 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.3643% | 6,550 |
| Return on assets (ROA) | -0.3643% | 6,563 |
| Pretax return on assets | -0.3643% | 6,547 |
| Return on Equity (ROE) | -4.1207% | 6,575 |
| Retained earnings to average equity (ytd only) | -4.1207% | 6,447 |
| Net charge-offs to loans | 0.1600% | 2,954 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -3.6903% | 5,117 |
| Efficiency ratio | 107.6196% | 302 |
| Assets per employee ($millions) | 3.9819% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0678% | 1,575 |
| Loan loss allowance to noncurrent loans | 422.5806% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 7.4095% | 262 |
| Noncurrent loans to loans | 0.4893% | 4,975 |
| Net loans and leases to total assets | 58.4277% | 3,939 |
| Net loans and leases to deposits | 72.1865% | 3,487 |
| Net loans and leases to core deposits | 73.8048% | 3,875 |
| Total domestic deposits to total assets | 80.9399% | 5,227 |
| Equity capital to assets | 8.6014% | 5,622 |
| Core capital (leverage) ratio | 8.6258% | 5,627 |
| Tier 1 risk-based capital ratio | 13.4443% | 4,801 |
| Total risk-based capital ratio | 14.7131% | 4,732 |
| Memoranda: | ||
| Average total assets | $95,888,250 | 4,885 |
| Average earning assets | $82,110,000 | 5,025 |
| Average equity | $8,477,250 | 5,276 |
| Average total loans | $59,144,750 | 4,674 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2583% | 3,123 |
| Cost of funding earning assets | 0.6394% | 2,594 |
| Net interest margin | 3.6190% | 3,289 |
| Noninterest income to average assets | 1.2584% | 980 |
| Noninterest expense to average assets | 4.6669% | 456 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3188% | 6,561 |
| Return on assets (ROA) | -0.3188% | 6,590 |
| Pretax return on assets | -0.3188% | 6,561 |
| Return on Equity (ROE) | -3.5735% | 6,602 |
| Retained earnings to average equity (ytd only) | -3.5735% | 6,362 |
| Net charge-offs to loans | 0.1504% | 2,900 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -3.4000% | 4,798 |
| Efficiency ratio | 106.7082% | 332 |
| Assets per employee ($millions) | 3.2223% | 5,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0865% | 1,660 |
| Loan loss allowance to noncurrent loans | 384.9840% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 7.4502% | 304 |
| Noncurrent loans to loans | 0.5420% | 4,900 |
| Net loans and leases to total assets | 58.4961% | 3,908 |
| Net loans and leases to deposits | 71.1999% | 3,560 |
| Net loans and leases to core deposits | 72.5250% | 3,985 |
| Total domestic deposits to total assets | 82.1575% | 5,002 |
| Equity capital to assets | 8.6606% | 5,600 |
| Core capital (leverage) ratio | 8.6191% | 5,532 |
| Tier 1 risk-based capital ratio | 13.3608% | 4,870 |
| Total risk-based capital ratio | 14.6196% | 4,812 |
| Memoranda: | ||
| Average total assets | $95,995,670 | 4,912 |
| Average earning assets | $81,957,000 | 5,052 |
| Average equity | $8,563,000 | 5,283 |
| Average total loans | $59,854,330 | 4,679 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3975% | 2,533 |
| Cost of funding earning assets | 0.6564% | 2,598 |
| Net interest margin | 3.7411% | 2,696 |
| Noninterest income to average assets | 1.4677% | 719 |
| Noninterest expense to average assets | 4.7585% | 437 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1213% | 6,461 |
| Return on assets (ROA) | -0.1213% | 6,509 |
| Pretax return on assets | -0.1213% | 6,499 |
| Return on Equity (ROE) | -1.3397% | 6,523 |
| Retained earnings to average equity (ytd only) | -1.3397% | 6,000 |
| Net charge-offs to loans | -0.0263% | 5,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0739% | 482 |
| Assets per employee ($millions) | 3.2912% | 5,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1165% | 1,759 |
| Loan loss allowance to noncurrent loans | 287.6147% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 8.8228% | 266 |
| Noncurrent loans to loans | 0.7359% | 4,660 |
| Net loans and leases to total assets | 60.7632% | 3,296 |
| Net loans and leases to deposits | 74.1627% | 2,895 |
| Net loans and leases to core deposits | 75.0796% | 3,458 |
| Total domestic deposits to total assets | 81.9322% | 5,216 |
| Equity capital to assets | 9.0617% | 5,417 |
| Core capital (leverage) ratio | 8.9308% | 5,004 |
| Tier 1 risk-based capital ratio | 13.0504% | 5,181 |
| Total risk-based capital ratio | 14.3081% | 5,131 |
| Memoranda: | ||
| Average total assets | $95,659,500 | 4,954 |
| Average earning assets | $81,046,500 | 5,122 |
| Average equity | $8,658,500 | 5,318 |
| Average total loans | $60,905,500 | 4,677 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7342% | 2,450 |
| Cost of funding earning assets | 0.7602% | 3,012 |
| Net interest margin | 3.9741% | 2,499 |
| Noninterest income to average assets | 1.3863% | 814 |
| Noninterest expense to average assets | 4.6899% | 482 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.0411% | 6,098 |
| Return on assets (ROA) | 0.0411% | 6,240 |
| Pretax return on assets | 0.0411% | 6,231 |
| Return on Equity (ROE) | 0.4666% | 6,229 |
| Retained earnings to average equity (ytd only) | 0.4666% | 5,620 |
| Net charge-offs to loans | 0.3776% | 2,743 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.1709% | 5,400 |
| Efficiency ratio | 98.5891% | 607 |
| Assets per employee ($millions) | 3.1958% | 5,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9980% | 2,021 |
| Loan loss allowance to noncurrent loans | 482.6255% | 845 |
| Noncurrent assets plus other real estate owned to assets | 8.9525% | 275 |
| Noncurrent loans to loans | 0.4140% | 5,448 |
| Net loans and leases to total assets | 63.9502% | 2,905 |
| Net loans and leases to deposits | 79.1140% | 2,389 |
| Net loans and leases to core deposits | 79.8455% | 3,029 |
| Total domestic deposits to total assets | 80.8330% | 5,446 |
| Equity capital to assets | 9.0411% | 5,477 |
| Core capital (leverage) ratio | 8.8932% | 5,050 |
| Tier 1 risk-based capital ratio | 12.4647% | 5,501 |
| Total risk-based capital ratio | 13.7220% | 5,450 |
| Memoranda: | ||
| Average total assets | $97,379,400 | 4,904 |
| Average earning assets | $81,956,400 | 5,068 |
| Average equity | $8,573,000 | 5,343 |
| Average total loans | $61,970,200 | 4,637 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7966% | 2,405 |
| Cost of funding earning assets | 0.7813% | 3,098 |
| Net interest margin | 4.0152% | 2,447 |
| Noninterest income to average assets | 1.2793% | 904 |
| Noninterest expense to average assets | 4.6741% | 470 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.0164% | 6,306 |
| Return on assets (ROA) | -0.0164% | 6,425 |
| Pretax return on assets | -0.0164% | 6,413 |
| Return on Equity (ROE) | -0.1872% | 6,428 |
| Retained earnings to average equity (ytd only) | -0.1872% | 6,115 |
| Net charge-offs to loans | 0.5284% | 2,031 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.0490% | 5,351 |
| Efficiency ratio | 99.7950% | 544 |
| Assets per employee ($millions) | 3.4497% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0749% | 1,965 |
| Loan loss allowance to noncurrent loans | 485.8824% | 790 |
| Noncurrent assets plus other real estate owned to assets | 9.3041% | 280 |
| Noncurrent loans to loans | 0.4270% | 5,594 |
| Net loans and leases to total assets | 60.5392% | 3,666 |
| Net loans and leases to deposits | 73.7291% | 3,333 |
| Net loans and leases to core deposits | 74.8809% | 3,864 |
| Total domestic deposits to total assets | 82.1103% | 4,977 |
| Equity capital to assets | 8.9583% | 5,863 |
| Core capital (leverage) ratio | 8.7373% | 5,420 |
| Tier 1 risk-based capital ratio | 13.0824% | 5,184 |
| Total risk-based capital ratio | 14.3406% | 5,136 |
| Memoranda: | ||
| Average total assets | $97,756,000 | 4,938 |
| Average earning assets | $82,251,000 | 5,112 |
| Average equity | $8,549,250 | 5,401 |
| Average total loans | $61,822,500 | 4,691 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8844% | 2,173 |
| Cost of funding earning assets | 0.7963% | 3,216 |
| Net interest margin | 4.0882% | 2,136 |
| Noninterest income to average assets | 1.1208% | 1,139 |
| Noninterest expense to average assets | 4.6727% | 468 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1202% | 6,458 |
| Return on assets (ROA) | -0.1202% | 6,554 |
| Pretax return on assets | -0.1202% | 6,530 |
| Return on Equity (ROE) | -1.3858% | 6,572 |
| Retained earnings to average equity (ytd only) | -1.3858% | 6,268 |
| Net charge-offs to loans | 0.0512% | 4,688 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -3.6875% | 5,424 |
| Efficiency ratio | 102.0591% | 495 |
| Assets per employee ($millions) | 3.6314% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3359% | 1,525 |
| Loan loss allowance to noncurrent loans | 248.2234% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 9.5167% | 296 |
| Noncurrent loans to loans | 0.9411% | 4,629 |
| Net loans and leases to total assets | 62.5555% | 3,326 |
| Net loans and leases to deposits | 75.7241% | 3,025 |
| Net loans and leases to core deposits | 76.8840% | 3,671 |
| Total domestic deposits to total assets | 82.6097% | 4,903 |
| Equity capital to assets | 8.7273% | 5,995 |
| Core capital (leverage) ratio | 8.6134% | 5,495 |
| Tier 1 risk-based capital ratio | 12.5473% | 5,536 |
| Total risk-based capital ratio | 13.8082% | 5,508 |
| Memoranda: | ||
| Average total assets | $98,144,000 | 4,952 |
| Average earning assets | $82,384,330 | 5,143 |
| Average equity | $8,514,670 | 5,410 |
| Average total loans | $62,525,000 | 4,692 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8961% | 2,255 |
| Cost of funding earning assets | 0.8209% | 3,302 |
| Net interest margin | 4.0752% | 2,196 |
| Noninterest income to average assets | 0.8921% | 1,779 |
| Noninterest expense to average assets | 4.9128% | 390 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.6029% | 6,873 |
| Return on assets (ROA) | -0.6029% | 6,899 |
| Pretax return on assets | -0.6029% | 6,864 |
| Return on Equity (ROE) | -6.9700% | 6,920 |
| Retained earnings to average equity (ytd only) | -6.9700% | 6,717 |
| Net charge-offs to loans | 0.2180% | 2,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -4.3529% | 4,657 |
| Efficiency ratio | 113.4216% | 296 |
| Assets per employee ($millions) | 3.5318% | 5,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3436% | 1,600 |
| Loan loss allowance to noncurrent loans | 194.6309% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 9.8200% | 312 |
| Noncurrent loans to loans | 1.2041% | 4,323 |
| Net loans and leases to total assets | 61.0982% | 3,428 |
| Net loans and leases to deposits | 73.5770% | 3,185 |
| Net loans and leases to core deposits | 74.6931% | 3,801 |
| Total domestic deposits to total assets | 83.0397% | 4,910 |
| Equity capital to assets | 8.5125% | 6,072 |
| Core capital (leverage) ratio | 8.5282% | 5,548 |
| Tier 1 risk-based capital ratio | 12.4557% | 5,641 |
| Total risk-based capital ratio | 13.7164% | 5,594 |
| Memoranda: | ||
| Average total assets | $98,191,500 | 4,975 |
| Average earning assets | $82,352,000 | 5,186 |
| Average equity | $8,493,500 | 5,433 |
| Average total loans | $62,386,500 | 4,719 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0378% | 2,720 |
| Cost of funding earning assets | 1.0563% | 2,977 |
| Net interest margin | 3.9815% | 2,977 |
| Noninterest income to average assets | 0.5451% | 3,545 |
| Noninterest expense to average assets | 4.5465% | 564 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.6627% | 6,584 |
| Return on assets (ROA) | -0.6627% | 6,622 |
| Pretax return on assets | -0.6627% | 6,580 |
| Return on Equity (ROE) | -7.9962% | 6,677 |
| Retained earnings to average equity (ytd only) | -7.9962% | 6,624 |
| Net charge-offs to loans | 0.7088% | 2,387 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -1.4257% | 6,246 |
| Efficiency ratio | 115.9337% | 345 |
| Assets per employee ($millions) | 3.7497% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3592% | 1,526 |
| Loan loss allowance to noncurrent loans | 288.7160% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 10.3351% | 306 |
| Noncurrent loans to loans | 0.8171% | 5,055 |
| Net loans and leases to total assets | 62.9984% | 3,403 |
| Net loans and leases to deposits | 76.1087% | 3,163 |
| Net loans and leases to core deposits | 77.2897% | 3,783 |
| Total domestic deposits to total assets | 82.7741% | 4,852 |
| Equity capital to assets | 8.7893% | 5,808 |
| Core capital (leverage) ratio | 8.5714% | 5,441 |
| Tier 1 risk-based capital ratio | 12.5103% | 5,438 |
| Total risk-based capital ratio | 13.7721% | 5,418 |
| Memoranda: | ||
| Average total assets | $107,137,800 | 4,699 |
| Average earning assets | $89,840,800 | 4,941 |
| Average equity | $8,879,200 | 5,311 |
| Average total loans | $70,255,600 | 4,480 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0256% | 2,967 |
| Cost of funding earning assets | 1.1023% | 2,965 |
| Net interest margin | 3.9233% | 3,257 |
| Noninterest income to average assets | -0.4175% | 7,328 |
| Noninterest expense to average assets | 3.6099% | 1,689 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.7351% | 6,770 |
| Return on assets (ROA) | -0.7351% | 6,805 |
| Pretax return on assets | -0.7351% | 6,752 |
| Return on Equity (ROE) | -8.9911% | 6,862 |
| Retained earnings to average equity (ytd only) | -8.9911% | 6,816 |
| Net charge-offs to loans | 0.9395% | 1,713 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -1.1890% | 5,954 |
| Efficiency ratio | 123.8357% | 268 |
| Assets per employee ($millions) | 3.4786% | 5,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2842% | 1,720 |
| Loan loss allowance to noncurrent loans | 166.7421% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 11.2133% | 273 |
| Noncurrent loans to loans | 1.3699% | 4,239 |
| Net loans and leases to total assets | 62.5059% | 3,611 |
| Net loans and leases to deposits | 75.3204% | 3,450 |
| Net loans and leases to core deposits | 76.4816% | 4,138 |
| Total domestic deposits to total assets | 82.9867% | 4,691 |
| Equity capital to assets | 8.5468% | 6,252 |
| Core capital (leverage) ratio | 8.2488% | 6,062 |
| Tier 1 risk-based capital ratio | 12.3505% | 5,621 |
| Total risk-based capital ratio | 13.6110% | 5,599 |
| Memoranda: | ||
| Average total assets | $109,549,000 | 4,687 |
| Average earning assets | $91,926,250 | 4,899 |
| Average equity | $8,956,750 | 5,321 |
| Average total loans | $72,093,750 | 4,452 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0855% | 2,752 |
| Cost of funding earning assets | 1.1339% | 3,017 |
| Net interest margin | 3.9516% | 3,081 |
| Noninterest income to average assets | -0.3148% | 7,386 |
| Noninterest expense to average assets | 3.4739% | 2,054 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.4660% | 6,661 |
| Return on assets (ROA) | -0.4660% | 6,687 |
| Pretax return on assets | -0.4660% | 6,639 |
| Return on Equity (ROE) | -5.7784% | 6,764 |
| Retained earnings to average equity (ytd only) | -5.7784% | 6,637 |
| Net charge-offs to loans | 1.3563% | 1,125 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -0.5178% | 5,530 |
| Efficiency ratio | 115.4938% | 395 |
| Assets per employee ($millions) | 3.4717% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1697% | 1,977 |
| Loan loss allowance to noncurrent loans | 422.9226% | 767 |
| Noncurrent assets plus other real estate owned to assets | 11.4362% | 286 |
| Noncurrent loans to loans | 0.5130% | 5,877 |
| Net loans and leases to total assets | 61.8390% | 3,917 |
| Net loans and leases to deposits | 73.7699% | 3,843 |
| Net loans and leases to core deposits | 74.9741% | 4,442 |
| Total domestic deposits to total assets | 83.8269% | 4,425 |
| Equity capital to assets | 8.3049% | 6,421 |
| Core capital (leverage) ratio | 8.0529% | 6,231 |
| Tier 1 risk-based capital ratio | 11.7794% | 5,949 |
| Total risk-based capital ratio | 13.0386% | 5,935 |
| Memoranda: | ||
| Average total assets | $112,438,670 | 4,644 |
| Average earning assets | $94,543,670 | 4,867 |
| Average equity | $9,068,330 | 5,302 |
| Average total loans | $74,615,000 | 4,406 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9594% | 3,291 |
| Cost of funding earning assets | 1.1473% | 3,173 |
| Net interest margin | 3.8121% | 3,555 |
| Noninterest income to average assets | 0.1080% | 6,868 |
| Noninterest expense to average assets | 3.3157% | 2,511 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0209% | 6,304 |
| Return on assets (ROA) | 0.0209% | 6,336 |
| Pretax return on assets | 0.0209% | 6,324 |
| Return on Equity (ROE) | 0.2628% | 6,320 |
| Retained earnings to average equity (ytd only) | 0.2628% | 5,704 |
| Net charge-offs to loans | 1.0474% | 1,305 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.0294% | 4,561 |
| Efficiency ratio | 99.3737% | 774 |
| Assets per employee ($millions) | 3.5486% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4035% | 1,600 |
| Loan loss allowance to noncurrent loans | 89.7527% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 11.3805% | 309 |
| Noncurrent loans to loans | 2.6780% | 2,814 |
| Net loans and leases to total assets | 63.5786% | 3,522 |
| Net loans and leases to deposits | 75.4494% | 3,505 |
| Net loans and leases to core deposits | 77.0872% | 4,153 |
| Total domestic deposits to total assets | 84.2665% | 4,382 |
| Equity capital to assets | 8.0552% | 6,448 |
| Core capital (leverage) ratio | 8.0581% | 6,179 |
| Tier 1 risk-based capital ratio | 11.6547% | 5,975 |
| Total risk-based capital ratio | 12.9175% | 5,956 |
| Memoranda: | ||
| Average total assets | $114,846,500 | 4,623 |
| Average earning assets | $97,269,000 | 4,815 |
| Average equity | $9,133,500 | 5,279 |
| Average total loans | $77,908,000 | 4,330 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3255% | 3,000 |
| Cost of funding earning assets | 1.3554% | 3,537 |
| Net interest margin | 3.9702% | 3,149 |
| Noninterest income to average assets | -0.0331% | 7,339 |
| Noninterest expense to average assets | 3.7300% | 1,629 |
| Loan and lease loss provision to assets | 0.0121% | 6,971 |
| Net operating income to assets | -0.3362% | 6,249 |
| Return on assets (ROA) | 0.0822% | 5,767 |
| Pretax return on assets | 0.0822% | 5,735 |
| Return on Equity (ROE) | 1.0955% | 5,665 |
| Retained earnings to average equity (ytd only) | 1.0955% | 4,999 |
| Net charge-offs to loans | 0.9389% | 2,306 |
| Credit loss provision to net charge-offs | 1.7773% | 6,627 |
| Earnings coverage of net charge-offs (x) | -0.4763% | 6,441 |
| Efficiency ratio | 109.5170% | 543 |
| Assets per employee ($millions) | 3.7464% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4217% | 1,522 |
| Loan loss allowance to noncurrent loans | 83.9475% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 11.5086% | 311 |
| Noncurrent loans to loans | 2.8848% | 2,638 |
| Net loans and leases to total assets | 68.7624% | 2,797 |
| Net loans and leases to deposits | 81.1231% | 2,965 |
| Net loans and leases to core deposits | 83.6493% | 3,642 |
| Total domestic deposits to total assets | 84.7631% | 3,964 |
| Equity capital to assets | 7.8527% | 6,636 |
| Core capital (leverage) ratio | 7.8005% | 6,436 |
| Tier 1 risk-based capital ratio | 10.7031% | 6,566 |
| Total risk-based capital ratio | 11.9659% | 6,525 |
| Memoranda: | ||
| Average total assets | $124,021,000 | 4,400 |
| Average earning assets | $107,426,000 | 4,525 |
| Average equity | $9,311,200 | 5,325 |
| Average total loans | $89,896,400 | 4,057 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2997% | 3,359 |
| Cost of funding earning assets | 1.3785% | 3,718 |
| Net interest margin | 3.9212% | 3,442 |
| Noninterest income to average assets | -0.0868% | 7,529 |
| Noninterest expense to average assets | 3.6393% | 1,698 |
| Loan and lease loss provision to assets | 0.0159% | 6,884 |
| Net operating income to assets | -0.3312% | 6,457 |
| Return on assets (ROA) | 0.0317% | 6,057 |
| Pretax return on assets | 0.0317% | 6,040 |
| Return on Equity (ROE) | 0.4274% | 6,026 |
| Retained earnings to average equity (ytd only) | 0.4274% | 5,626 |
| Net charge-offs to loans | 1.3128% | 1,552 |
| Credit loss provision to net charge-offs | 1.6575% | 6,365 |
| Earnings coverage of net charge-offs (x) | -0.3293% | 6,259 |
| Efficiency ratio | 109.4874% | 536 |
| Assets per employee ($millions) | 3.6656% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2281% | 1,745 |
| Loan loss allowance to noncurrent loans | 78.9236% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 11.7529% | 287 |
| Noncurrent loans to loans | 2.8231% | 2,827 |
| Net loans and leases to total assets | 69.6865% | 2,812 |
| Net loans and leases to deposits | 82.0832% | 3,089 |
| Net loans and leases to core deposits | 84.3662% | 3,890 |
| Total domestic deposits to total assets | 84.8974% | 3,672 |
| Equity capital to assets | 7.6832% | 7,009 |
| Core capital (leverage) ratio | 7.4538% | 6,877 |
| Tier 1 risk-based capital ratio | 9.9073% | 7,111 |
| Total risk-based capital ratio | 11.1764% | 7,093 |
| Memoranda: | ||
| Average total assets | $125,991,500 | 4,414 |
| Average earning assets | $109,588,500 | 4,537 |
| Average equity | $9,359,000 | 5,391 |
| Average total loans | $91,910,000 | 4,073 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2132% | 3,886 |
| Cost of funding earning assets | 1.3917% | 3,927 |
| Net interest margin | 3.8214% | 3,802 |
| Noninterest income to average assets | 0.4966% | 4,144 |
| Noninterest expense to average assets | 4.1248% | 887 |
| Loan and lease loss provision to assets | 0.0235% | 6,705 |
| Net operating income to assets | -0.3008% | 6,473 |
| Return on assets (ROA) | 0.2366% | 5,571 |
| Pretax return on assets | 0.2366% | 5,688 |
| Return on Equity (ROE) | 3.2194% | 5,126 |
| Retained earnings to average equity (ytd only) | 3.2194% | 4,056 |
| Net charge-offs to loans | 1.9871% | 918 |
| Credit loss provision to net charge-offs | 1.6094% | 5,998 |
| Earnings coverage of net charge-offs (x) | -0.1899% | 5,866 |
| Efficiency ratio | 107.2068% | 605 |
| Assets per employee ($millions) | 3.5165% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1524% | 1,860 |
| Loan loss allowance to noncurrent loans | 60.5692% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 11.6260% | 289 |
| Noncurrent loans to loans | 3.5536% | 2,221 |
| Net loans and leases to total assets | 69.9573% | 2,907 |
| Net loans and leases to deposits | 82.0809% | 3,260 |
| Net loans and leases to core deposits | 85.2976% | 3,937 |
| Total domestic deposits to total assets | 85.2297% | 3,503 |
| Equity capital to assets | 7.6431% | 7,028 |
| Core capital (leverage) ratio | 7.3389% | 6,967 |
| Tier 1 risk-based capital ratio | 9.8832% | 7,088 |
| Total risk-based capital ratio | 11.1532% | 7,054 |
| Memoranda: | ||
| Average total assets | $127,666,670 | 4,413 |
| Average earning assets | $111,947,670 | 4,510 |
| Average equity | $9,380,670 | 5,384 |
| Average total loans | $93,807,330 | 4,063 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1751% | 4,159 |
| Cost of funding earning assets | 1.3909% | 4,238 |
| Net interest margin | 3.7842% | 3,858 |
| Noninterest income to average assets | -0.1016% | 7,753 |
| Noninterest expense to average assets | 3.9735% | 1,068 |
| Loan and lease loss provision to assets | 0.0462% | 6,207 |
| Net operating income to assets | -0.7633% | 6,993 |
| Return on assets (ROA) | 0.0462% | 6,281 |
| Pretax return on assets | 0.0462% | 6,267 |
| Return on Equity (ROE) | 0.6405% | 6,226 |
| Retained earnings to average equity (ytd only) | 0.6405% | 5,565 |
| Net charge-offs to loans | 3.6107% | 385 |
| Credit loss provision to net charge-offs | 1.7182% | 5,109 |
| Earnings coverage of net charge-offs (x) | -0.2669% | 5,195 |
| Efficiency ratio | 122.0227% | 420 |
| Assets per employee ($millions) | 4.0396% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1281% | 1,891 |
| Loan loss allowance to noncurrent loans | 37.8782% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 10.8891% | 341 |
| Noncurrent loans to loans | 5.6183% | 1,227 |
| Net loans and leases to total assets | 69.4833% | 3,057 |
| Net loans and leases to deposits | 80.8823% | 3,479 |
| Net loans and leases to core deposits | 84.0640% | 4,190 |
| Total domestic deposits to total assets | 85.9067% | 3,209 |
| Equity capital to assets | 7.1960% | 7,286 |
| Core capital (leverage) ratio | 7.0352% | 7,229 |
| Tier 1 risk-based capital ratio | 9.3561% | 7,371 |
| Total risk-based capital ratio | 10.6154% | 7,367 |
| Memoranda: | ||
| Average total assets | $129,961,000 | 4,413 |
| Average earning assets | $115,321,500 | 4,486 |
| Average equity | $9,367,500 | 5,431 |
| Average total loans | $96,713,000 | 4,057 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8875% | 2,290 |
| Cost of funding earning assets | 1.7832% | 4,085 |
| Net interest margin | 4.1043% | 2,423 |
| Noninterest income to average assets | 0.1719% | 6,849 |
| Noninterest expense to average assets | 3.5084% | 2,354 |
| Loan and lease loss provision to assets | 2.2529% | 918 |
| Net operating income to assets | -1.9149% | 7,056 |
| Return on assets (ROA) | -1.8061% | 7,008 |
| Pretax return on assets | -1.8061% | 6,861 |
| Return on Equity (ROE) | -22.6631% | 7,224 |
| Retained earnings to average equity (ytd only) | -23.5733% | 7,222 |
| Net charge-offs to loans | 1.8002% | 1,390 |
| Credit loss provision to net charge-offs | 156.6314% | 2,884 |
| Earnings coverage of net charge-offs (x) | 0.2350% | 5,894 |
| Efficiency ratio | 91.2125% | 1,624 |
| Assets per employee ($millions) | 3.9592% | 3,900 |
| Cash dividends to net income (ytd only)* | -4.0161% | 7,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7653% | 959 |
| Loan loss allowance to noncurrent loans | 34.5332% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 11.2755% | 285 |
| Noncurrent loans to loans | 8.0076% | 625 |
| Net loans and leases to total assets | 75.6519% | 1,890 |
| Net loans and leases to deposits | 87.9363% | 2,564 |
| Net loans and leases to core deposits | 121.7503% | 1,804 |
| Total domestic deposits to total assets | 86.0304% | 3,006 |
| Equity capital to assets | 7.2198% | 7,248 |
| Core capital (leverage) ratio | 6.8400% | 7,349 |
| Tier 1 risk-based capital ratio | 8.7781% | 7,543 |
| Total risk-based capital ratio | 10.0464% | 7,567 |
| Memoranda: | ||
| Average total assets | $137,869,000 | 4,168 |
| Average earning assets | $123,430,200 | 4,232 |
| Average equity | $10,987,000 | 5,028 |
| Average total loans | $110,154,000 | 3,690 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9652% | 2,171 |
| Cost of funding earning assets | 1.8231% | 4,266 |
| Net interest margin | 4.1420% | 2,239 |
| Noninterest income to average assets | 0.1881% | 6,873 |
| Noninterest expense to average assets | 3.3840% | 2,625 |
| Loan and lease loss provision to assets | 1.2295% | 1,578 |
| Net operating income to assets | -0.7169% | 6,617 |
| Return on assets (ROA) | -0.5890% | 6,515 |
| Pretax return on assets | -0.5890% | 6,380 |
| Return on Equity (ROE) | -7.2318% | 6,682 |
| Retained earnings to average equity (ytd only) | -8.4039% | 6,649 |
| Net charge-offs to loans | 0.8716% | 2,227 |
| Credit loss provision to net charge-offs | 175.4768% | 2,632 |
| Earnings coverage of net charge-offs (x) | 0.7316% | 5,308 |
| Efficiency ratio | 86.8447% | 1,978 |
| Assets per employee ($millions) | 4.2058% | 3,371 |
| Cash dividends to net income (ytd only)* | -16.2074% | 7,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0934% | 1,609 |
| Loan loss allowance to noncurrent loans | 62.7660% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 7.6458% | 579 |
| Noncurrent loans to loans | 3.3353% | 2,265 |
| Net loans and leases to total assets | 77.9097% | 1,591 |
| Net loans and leases to deposits | 92.2402% | 2,198 |
| Net loans and leases to core deposits | 123.7595% | 1,927 |
| Total domestic deposits to total assets | 84.4640% | 3,494 |
| Equity capital to assets | 8.4126% | 6,369 |
| Core capital (leverage) ratio | 7.9087% | 6,489 |
| Tier 1 risk-based capital ratio | 9.8751% | 7,072 |
| Total risk-based capital ratio | 11.1304% | 7,035 |
| Memoranda: | ||
| Average total assets | $139,672,500 | 4,145 |
| Average earning assets | $125,056,000 | 4,225 |
| Average equity | $11,375,500 | 4,952 |
| Average total loans | $112,279,000 | 3,676 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9857% | 2,237 |
| Cost of funding earning assets | 1.8151% | 4,686 |
| Net interest margin | 4.1706% | 2,092 |
| Noninterest income to average assets | 0.1613% | 7,121 |
| Noninterest expense to average assets | 3.5383% | 2,224 |
| Loan and lease loss provision to assets | 1.5194% | 1,127 |
| Net operating income to assets | -1.1516% | 7,085 |
| Return on assets (ROA) | -1.1502% | 7,090 |
| Pretax return on assets | -1.1502% | 6,906 |
| Return on Equity (ROE) | -14.2715% | 7,298 |
| Retained earnings to average equity (ytd only) | -16.0269% | 7,298 |
| Net charge-offs to loans | 1.2683% | 1,457 |
| Credit loss provision to net charge-offs | 148.5477% | 3,110 |
| Earnings coverage of net charge-offs (x) | 0.3596% | 5,323 |
| Efficiency ratio | 90.5831% | 1,762 |
| Assets per employee ($millions) | 3.8629% | 3,956 |
| Cash dividends to net income (ytd only)* | -12.3001% | 7,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8420% | 1,938 |
| Loan loss allowance to noncurrent loans | 54.7236% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 7.3799% | 549 |
| Noncurrent loans to loans | 3.3660% | 2,090 |
| Net loans and leases to total assets | 78.1334% | 1,714 |
| Net loans and leases to deposits | 107.7797% | 663 |
| Net loans and leases to core deposits | 130.0487% | 1,551 |
| Total domestic deposits to total assets | 72.4936% | 7,190 |
| Equity capital to assets | 7.7668% | 7,013 |
| Core capital (leverage) ratio | 7.5658% | 6,943 |
| Tier 1 risk-based capital ratio | 9.4536% | 7,430 |
| Total risk-based capital ratio | 10.7104% | 7,379 |
| Memoranda: | ||
| Average total assets | $141,368,670 | 4,150 |
| Average earning assets | $126,936,000 | 4,204 |
| Average equity | $11,393,330 | 4,978 |
| Average total loans | $114,006,670 | 3,672 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0074% | 2,331 |
| Cost of funding earning assets | 1.8757% | 4,763 |
| Net interest margin | 4.1316% | 2,158 |
| Noninterest income to average assets | 0.5276% | 4,078 |
| Noninterest expense to average assets | 3.1294% | 3,273 |
| Loan and lease loss provision to assets | 0.7830% | 1,640 |
| Net operating income to assets | 0.3368% | 5,133 |
| Return on assets (ROA) | 0.3368% | 5,315 |
| Pretax return on assets | 0.3368% | 5,569 |
| Return on Equity (ROE) | 4.1062% | 4,882 |
| Retained earnings to average equity (ytd only) | 4.1062% | 3,615 |
| Net charge-offs to loans | 2.4036% | 599 |
| Credit loss provision to net charge-offs | 40.1439% | 4,819 |
| Earnings coverage of net charge-offs (x) | 0.5741% | 4,534 |
| Efficiency ratio | 73.6460% | 3,884 |
| Assets per employee ($millions) | 4.0335% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 5,324 |
| Loan loss allowance to noncurrent loans | 97.3966% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 5.7149% | 722 |
| Noncurrent loans to loans | 1.1502% | 4,692 |
| Net loans and leases to total assets | 79.5281% | 1,470 |
| Net loans and leases to deposits | 109.7177% | 632 |
| Net loans and leases to core deposits | 131.1662% | 1,591 |
| Total domestic deposits to total assets | 72.4843% | 7,133 |
| Equity capital to assets | 8.3854% | 6,260 |
| Core capital (leverage) ratio | 8.1650% | 6,165 |
| Tier 1 risk-based capital ratio | 9.9607% | 6,973 |
| Total risk-based capital ratio | 11.0479% | 7,046 |
| Memoranda: | ||
| Average total assets | $142,520,000 | 4,138 |
| Average earning assets | $128,376,000 | 4,186 |
| Average equity | $11,689,500 | 4,926 |
| Average total loans | $115,662,000 | 3,661 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4259% | 3,294 |
| Cost of funding earning assets | 2.5081% | 4,165 |
| Net interest margin | 3.9179% | 3,488 |
| Noninterest income to average assets | 0.3509% | 5,921 |
| Noninterest expense to average assets | 3.2828% | 3,021 |
| Loan and lease loss provision to assets | 0.5580% | 2,584 |
| Net operating income to assets | 0.1195% | 6,057 |
| Return on assets (ROA) | 0.1723% | 5,765 |
| Pretax return on assets | 0.1723% | 5,787 |
| Return on Equity (ROE) | 2.0891% | 5,586 |
| Retained earnings to average equity (ytd only) | -2.8809% | 6,077 |
| Net charge-offs to loans | 0.5793% | 2,081 |
| Credit loss provision to net charge-offs | 116.2084% | 4,641 |
| Earnings coverage of net charge-offs (x) | 1.4110% | 5,417 |
| Efficiency ratio | 82.8917% | 2,194 |
| Assets per employee ($millions) | 3.9963% | 3,522 |
| Cash dividends to net income (ytd only)* | 237.9032% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 3,015 |
| Loan loss allowance to noncurrent loans | 51.3070% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 6.0765% | 486 |
| Noncurrent loans to loans | 2.7934% | 1,945 |
| Net loans and leases to total assets | 80.6938% | 1,510 |
| Net loans and leases to deposits | 113.5986% | 633 |
| Net loans and leases to core deposits | 130.8244% | 1,791 |
| Total domestic deposits to total assets | 71.0342% | 7,157 |
| Equity capital to assets | 8.0220% | 6,815 |
| Core capital (leverage) ratio | 8.0541% | 6,400 |
| Tier 1 risk-based capital ratio | 9.6869% | 7,102 |
| Total risk-based capital ratio | 10.9089% | 7,028 |
| Memoranda: | ||
| Average total assets | $143,899,400 | 4,009 |
| Average earning assets | $132,572,400 | 3,998 |
| Average equity | $11,871,200 | 4,862 |
| Average total loans | $119,277,200 | 3,481 |