Home > Merchants and Planters Bank > Performance and Condition Ratios
Merchants and Planters Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5646% | 2,983 |
| Cost of funding earning assets | 0.5666% | 4,121 |
| Net interest margin | 3.9980% | 1,211 |
| Noninterest income to average assets | 2.9000% | 189 |
| Noninterest expense to average assets | 3.5563% | 542 |
| Loan and lease loss provision to assets | 0.3200% | 332 |
| Net operating income to assets | 2.0409% | 444 |
| Return on assets (ROA) | 1.7613% | 622 |
| Pretax return on assets | 2.3290% | 417 |
| Return on Equity (ROE) | 12.2100% | 1,907 |
| Retained earnings to average equity (ytd only) | 8.8519% | 1,290 |
| Net charge-offs to loans | 0.0263% | 1,793 |
| Credit loss provision to net charge-offs | 2,580.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 245.2800% | 506 |
| Efficiency ratio | 51.9731% | 3,835 |
| Assets per employee ($millions) | 4.1855% | 4,090 |
| Cash dividends to net income (ytd only)* | 27.4847% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0438% | 349 |
| Loan loss allowance to noncurrent loans | 12,368.7500% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 2,273 |
| Noncurrent loans to loans | 0.0165% | 3,630 |
| Net loans and leases to total assets | 47.2100% | 3,767 |
| Net loans and leases to deposits | 56.0736% | 3,705 |
| Net loans and leases to core deposits | 59.4866% | 3,779 |
| Total domestic deposits to total assets | 84.1900% | 2,566 |
| Equity capital to assets | 15.5416% | 504 |
| Core capital (leverage) ratio | 16.5519% | 425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $204,511,200 | 2,962 |
| Average earning assets | $186,895,400 | 2,965 |
| Average equity | $29,507,800 | 2,286 |
| Average total loans | $95,036,200 | 3,229 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7021% | 2,470 |
| Cost of funding earning assets | 0.6280% | 3,925 |
| Net interest margin | 4.0741% | 1,109 |
| Noninterest income to average assets | 3.5700% | 168 |
| Noninterest expense to average assets | 3.1766% | 846 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 3.0676% | 169 |
| Return on assets (ROA) | 3.0676% | 171 |
| Pretax return on assets | 4.0607% | 132 |
| Return on Equity (ROE) | 21.6700% | 587 |
| Retained earnings to average equity (ytd only) | 21.6693% | 207 |
| Net charge-offs to loans | 0.0127% | 1,939 |
| Credit loss provision to net charge-offs | 1,000.0000% | 400 |
| Earnings coverage of net charge-offs (x) | 705.1111% | 225 |
| Efficiency ratio | 41.5658% | 4,315 |
| Assets per employee ($millions) | 4.1284% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5020% | 1,110 |
| Loan loss allowance to noncurrent loans | 5,538.4615% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 2,293 |
| Noncurrent loans to loans | 0.0271% | 3,578 |
| Net loans and leases to total assets | 46.6800% | 3,799 |
| Net loans and leases to deposits | 55.4892% | 3,734 |
| Net loans and leases to core deposits | 58.9152% | 3,745 |
| Total domestic deposits to total assets | 84.1200% | 2,742 |
| Equity capital to assets | 15.2184% | 512 |
| Core capital (leverage) ratio | 16.8847% | 418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $205,412,500 | 2,956 |
| Average earning assets | $187,686,000 | 2,973 |
| Average equity | $29,078,750 | 2,293 |
| Average total loans | $94,588,250 | 3,235 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5769% | 2,464 |
| Cost of funding earning assets | 0.5647% | 3,844 |
| Net interest margin | 4.0122% | 1,219 |
| Noninterest income to average assets | 1.3100% | 385 |
| Noninterest expense to average assets | 3.0147% | 1,019 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.4483% | 1,219 |
| Return on assets (ROA) | 1.4483% | 1,206 |
| Pretax return on assets | 1.9007% | 865 |
| Return on Equity (ROE) | 10.4900% | 2,557 |
| Retained earnings to average equity (ytd only) | 10.4877% | 1,282 |
| Net charge-offs to loans | 0.2315% | 353 |
| Credit loss provision to net charge-offs | 55.0459% | 1,650 |
| Earnings coverage of net charge-offs (x) | 18.5505% | 1,760 |
| Efficiency ratio | 57.8496% | 3,205 |
| Assets per employee ($millions) | 4.2921% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3698% | 1,638 |
| Loan loss allowance to noncurrent loans | 3,046.5116% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 2,197 |
| Noncurrent loans to loans | 0.0450% | 3,397 |
| Net loans and leases to total assets | 45.7800% | 3,802 |
| Net loans and leases to deposits | 53.3272% | 3,784 |
| Net loans and leases to core deposits | 57.2596% | 3,754 |
| Total domestic deposits to total assets | 85.8500% | 2,280 |
| Equity capital to assets | 14.0626% | 640 |
| Core capital (leverage) ratio | 15.1095% | 581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $206,452,000 | 2,954 |
| Average earning assets | $188,426,000 | 2,967 |
| Average equity | $28,509,667 | 2,335 |
| Average total loans | $94,160,667 | 3,240 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4533% | 2,419 |
| Cost of funding earning assets | 0.4627% | 3,800 |
| Net interest margin | 3.9906% | 1,279 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 2.7813% | 1,475 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.3084% | 1,647 |
| Return on assets (ROA) | 1.3084% | 1,616 |
| Pretax return on assets | 1.6993% | 1,276 |
| Return on Equity (ROE) | 9.5600% | 2,910 |
| Retained earnings to average equity (ytd only) | 9.5620% | 1,804 |
| Net charge-offs to loans | -0.0557% | 4,392 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.6780% | 3,110 |
| Assets per employee ($millions) | 4.3493% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 1,428 |
| Loan loss allowance to noncurrent loans | 916.3399% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 1,873 |
| Noncurrent loans to loans | 0.1585% | 2,695 |
| Net loans and leases to total assets | 45.5600% | 3,796 |
| Net loans and leases to deposits | 53.0471% | 3,735 |
| Net loans and leases to core deposits | 56.4260% | 3,715 |
| Total domestic deposits to total assets | 85.9000% | 2,623 |
| Equity capital to assets | 13.8051% | 620 |
| Core capital (leverage) ratio | 14.8363% | 602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $206,667,500 | 2,987 |
| Average earning assets | $188,445,000 | 3,008 |
| Average equity | $28,278,500 | 2,371 |
| Average total loans | $93,425,000 | 3,288 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5511% | 2,938 |
| Cost of funding earning assets | 0.1723% | 3,983 |
| Net interest margin | 3.3788% | 2,321 |
| Noninterest income to average assets | 1.2500% | 439 |
| Noninterest expense to average assets | 3.3989% | 547 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.6501% | 3,757 |
| Return on assets (ROA) | 0.6501% | 3,706 |
| Pretax return on assets | 0.8443% | 3,502 |
| Return on Equity (ROE) | 5.0200% | 4,022 |
| Retained earnings to average equity (ytd only) | 3.7390% | 3,484 |
| Net charge-offs to loans | 0.0207% | 1,674 |
| Credit loss provision to net charge-offs | 800.0000% | 493 |
| Earnings coverage of net charge-offs (x) | 101.3333% | 967 |
| Efficiency ratio | 76.1040% | 997 |
| Assets per employee ($millions) | 4.3526% | 4,110 |
| Cash dividends to net income (ytd only)* | 25.5102% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 1,185 |
| Loan loss allowance to noncurrent loans | 3,314.6341% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 2,173 |
| Noncurrent loans to loans | 0.0454% | 3,427 |
| Net loans and leases to total assets | 43.4900% | 3,915 |
| Net loans and leases to deposits | 50.4812% | 3,876 |
| Net loans and leases to core deposits | 52.0117% | 3,913 |
| Total domestic deposits to total assets | 86.1500% | 2,684 |
| Equity capital to assets | 13.5586% | 622 |
| Core capital (leverage) ratio | 15.2748% | 531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $165,817,600 | 3,298 |
| Average earning assets | $150,292,000 | 3,328 |
| Average equity | $21,476,200 | 2,815 |
| Average total loans | $72,541,400 | 3,531 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2626% | 3,277 |
| Cost of funding earning assets | 0.1554% | 3,790 |
| Net interest margin | 3.1072% | 2,913 |
| Noninterest income to average assets | 1.3900% | 387 |
| Noninterest expense to average assets | 3.2169% | 676 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.7020% | 3,565 |
| Return on assets (ROA) | 0.7020% | 3,522 |
| Pretax return on assets | 0.9137% | 3,277 |
| Return on Equity (ROE) | 5.5000% | 3,884 |
| Retained earnings to average equity (ytd only) | 5.5044% | 2,920 |
| Net charge-offs to loans | 0.0529% | 955 |
| Credit loss provision to net charge-offs | 333.3333% | 763 |
| Earnings coverage of net charge-offs (x) | 42.9630% | 1,356 |
| Efficiency ratio | 74.9340% | 1,179 |
| Assets per employee ($millions) | 4.1086% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6327% | 1,009 |
| Loan loss allowance to noncurrent loans | 2,687.7551% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 2,134 |
| Noncurrent loans to loans | 0.0607% | 3,445 |
| Net loans and leases to total assets | 41.9800% | 3,987 |
| Net loans and leases to deposits | 49.1977% | 3,903 |
| Net loans and leases to core deposits | 50.7045% | 3,916 |
| Total domestic deposits to total assets | 85.3400% | 3,208 |
| Equity capital to assets | 14.4113% | 519 |
| Core capital (leverage) ratio | 16.2726% | 419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $156,129,250 | 3,407 |
| Average earning assets | $141,602,750 | 3,428 |
| Average equity | $19,911,000 | 3,008 |
| Average total loans | $68,095,500 | 3,621 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7992% | 3,981 |
| Cost of funding earning assets | 0.1106% | 4,072 |
| Net interest margin | 2.6886% | 3,723 |
| Noninterest income to average assets | 1.6463% | 295 |
| Noninterest expense to average assets | 3.1521% | 679 |
| Loan and lease loss provision to assets | 0.0827% | 1,191 |
| Net operating income to assets | 0.6461% | 3,487 |
| Return on assets (ROA) | 0.6461% | 3,438 |
| Pretax return on assets | 0.8555% | 3,190 |
| Return on Equity (ROE) | 5.3695% | 3,734 |
| Retained earnings to average equity (ytd only) | 5.3695% | 2,564 |
| Net charge-offs to loans | -0.0156% | 3,780 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9515% | 1,291 |
| Assets per employee ($millions) | 3.9009% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5947% | 1,164 |
| Loan loss allowance to noncurrent loans | 1,857.7465% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.2574% | 2,021 |
| Noncurrent loans to loans | 0.0858% | 3,350 |
| Net loans and leases to total assets | 42.5821% | 3,933 |
| Net loans and leases to deposits | 50.4963% | 3,787 |
| Net loans and leases to core deposits | 52.1285% | 3,816 |
| Total domestic deposits to total assets | 84.3272% | 3,618 |
| Equity capital to assets | 15.1010% | 393 |
| Core capital (leverage) ratio | 19.8778% | 197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,173,333 | 3,550 |
| Average earning assets | $131,966,333 | 3,576 |
| Average equity | $17,469,000 | 3,276 |
| Average total loans | $63,906,000 | 3,729 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7977% | 3,751 |
| Cost of funding earning assets | 0.1226% | 3,869 |
| Net interest margin | 2.6751% | 3,460 |
| Noninterest income to average assets | 1.8791% | 263 |
| Noninterest expense to average assets | 3.5421% | 410 |
| Loan and lease loss provision to assets | 0.0982% | 848 |
| Net operating income to assets | 0.5205% | 3,651 |
| Return on assets (ROA) | 0.5205% | 3,618 |
| Pretax return on assets | 0.6678% | 3,479 |
| Return on Equity (ROE) | 5.4031% | 3,513 |
| Retained earnings to average equity (ytd only) | 5.4031% | 2,443 |
| Net charge-offs to loans | -0.0220% | 3,964 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9271% | 1,077 |
| Assets per employee ($millions) | 3.4046% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3323% | 354 |
| 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 | 42.7833% | 3,835 |
| Net loans and leases to deposits | 47.0255% | 3,927 |
| Net loans and leases to core deposits | 48.7416% | 3,943 |
| Total domestic deposits to total assets | 90.9789% | 1,048 |
| Equity capital to assets | 8.8345% | 2,855 |
| Core capital (leverage) ratio | 10.0035% | 2,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,187,000 | 3,794 |
| Average earning assets | $110,948,000 | 3,807 |
| Average equity | $11,771,000 | 3,883 |
| Average total loans | $54,502,500 | 3,890 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2693% | 3,296 |
| Cost of funding earning assets | 0.1405% | 4,061 |
| Net interest margin | 3.1288% | 2,808 |
| Noninterest income to average assets | 3.2371% | 169 |
| Noninterest expense to average assets | 3.8843% | 322 |
| Loan and lease loss provision to assets | 0.1038% | 1,215 |
| Net operating income to assets | 1.5835% | 852 |
| Return on assets (ROA) | 1.5835% | 885 |
| Pretax return on assets | 2.0819% | 518 |
| Return on Equity (ROE) | 15.5037% | 839 |
| Retained earnings to average equity (ytd only) | 14.2922% | 284 |
| Net charge-offs to loans | -0.0336% | 4,164 |
| Credit loss provision to net charge-offs | -631.5789% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0506% | 2,707 |
| Assets per employee ($millions) | 3.1158% | 4,670 |
| Cash dividends to net income (ytd only)* | 7.8142% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3299% | 366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 44.3987% | 3,813 |
| Net loans and leases to deposits | 49.7492% | 3,905 |
| Net loans and leases to core deposits | 51.7218% | 3,911 |
| Total domestic deposits to total assets | 89.2451% | 1,385 |
| Equity capital to assets | 10.4838% | 2,194 |
| Core capital (leverage) ratio | 10.3068% | 2,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,567,600 | 3,846 |
| Average earning assets | $104,639,800 | 3,858 |
| Average equity | $11,803,600 | 3,955 |
| Average total loans | $56,525,200 | 3,884 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3160% | 3,341 |
| Cost of funding earning assets | 0.1437% | 4,166 |
| Net interest margin | 3.1722% | 2,822 |
| Noninterest income to average assets | 3.8969% | 146 |
| Noninterest expense to average assets | 3.4871% | 464 |
| Loan and lease loss provision to assets | 0.1045% | 1,156 |
| Net operating income to assets | 2.4087% | 242 |
| Return on assets (ROA) | 2.4087% | 251 |
| Pretax return on assets | 3.1748% | 150 |
| Return on Equity (ROE) | 23.7451% | 221 |
| Retained earnings to average equity (ytd only) | 23.7451% | 65 |
| Net charge-offs to loans | -0.0396% | 4,251 |
| Credit loss provision to net charge-offs | -529.4118% | 3,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6776% | 4,151 |
| Assets per employee ($millions) | 3.1475% | 4,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1913% | 461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 45.6038% | 3,820 |
| Net loans and leases to deposits | 51.4105% | 3,929 |
| Net loans and leases to core deposits | 53.3036% | 3,964 |
| Total domestic deposits to total assets | 88.7052% | 1,455 |
| Equity capital to assets | 10.8893% | 2,090 |
| Core capital (leverage) ratio | 10.8391% | 1,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,859,000 | 3,900 |
| Average earning assets | $103,898,500 | 3,912 |
| Average equity | $11,651,250 | 4,021 |
| Average total loans | $57,200,750 | 3,924 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3498% | 3,311 |
| Cost of funding earning assets | 0.1491% | 4,213 |
| Net interest margin | 3.2007% | 2,758 |
| Noninterest income to average assets | 1.4760% | 555 |
| Noninterest expense to average assets | 3.4588% | 496 |
| Loan and lease loss provision to assets | 0.1059% | 1,181 |
| Net operating income to assets | 0.6497% | 3,874 |
| Return on assets (ROA) | 0.6497% | 3,936 |
| Pretax return on assets | 0.7927% | 3,877 |
| Return on Equity (ROE) | 6.5751% | 3,763 |
| Retained earnings to average equity (ytd only) | 6.5751% | 2,594 |
| Net charge-offs to loans | -0.0798% | 4,546 |
| Credit loss provision to net charge-offs | -260.8696% | 3,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0389% | 907 |
| Assets per employee ($millions) | 3.9240% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1583% | 462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 47.7253% | 3,756 |
| Net loans and leases to deposits | 53.2295% | 3,909 |
| Net loans and leases to core deposits | 55.2690% | 3,946 |
| Total domestic deposits to total assets | 89.6595% | 943 |
| Equity capital to assets | 9.9846% | 2,865 |
| Core capital (leverage) ratio | 9.5436% | 2,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,277,333 | 3,931 |
| Average earning assets | $101,977,000 | 3,953 |
| Average equity | $11,193,667 | 4,077 |
| Average total loans | $57,679,000 | 3,938 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3011% | 3,443 |
| Cost of funding earning assets | 0.1497% | 4,305 |
| Net interest margin | 3.1514% | 2,837 |
| Noninterest income to average assets | 1.5997% | 545 |
| Noninterest expense to average assets | 3.4083% | 523 |
| Loan and lease loss provision to assets | 0.1062% | 1,292 |
| Net operating income to assets | 0.7999% | 3,425 |
| Return on assets (ROA) | 0.7999% | 3,495 |
| Pretax return on assets | 0.9167% | 3,567 |
| Return on Equity (ROE) | 8.1372% | 3,284 |
| Retained earnings to average equity (ytd only) | 8.1372% | 2,194 |
| Net charge-offs to loans | -0.1157% | 4,677 |
| Credit loss provision to net charge-offs | -176.4706% | 2,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9169% | 1,045 |
| Assets per employee ($millions) | 4.0437% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0092% | 591 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 48.3687% | 3,773 |
| Net loans and leases to deposits | 53.6070% | 3,965 |
| Net loans and leases to core deposits | 55.5832% | 4,001 |
| Total domestic deposits to total assets | 90.2284% | 708 |
| Equity capital to assets | 9.4894% | 3,213 |
| Core capital (leverage) ratio | 9.3222% | 3,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,018,500 | 3,942 |
| Average earning assets | $101,541,500 | 3,966 |
| Average equity | $11,109,500 | 4,095 |
| Average total loans | $58,765,000 | 3,929 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1276% | 2,343 |
| Cost of funding earning assets | 0.2193% | 4,510 |
| Net interest margin | 3.9083% | 1,191 |
| Noninterest income to average assets | 2.0939% | 313 |
| Noninterest expense to average assets | 4.1919% | 315 |
| Loan and lease loss provision to assets | 0.1798% | 2,144 |
| Net operating income to assets | 0.9055% | 2,669 |
| Return on assets (ROA) | 0.9071% | 2,799 |
| Pretax return on assets | 1.1958% | 2,338 |
| Return on Equity (ROE) | 8.4232% | 2,638 |
| Retained earnings to average equity (ytd only) | 7.2450% | 1,300 |
| Net charge-offs to loans | -0.3514% | 4,929 |
| Credit loss provision to net charge-offs | -83.7209% | 3,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3186% | 1,301 |
| Assets per employee ($millions) | 3.7507% | 4,537 |
| Cash dividends to net income (ytd only)* | 13.9868% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8694% | 766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 53.8122% | 3,504 |
| Net loans and leases to deposits | 60.1719% | 3,747 |
| Net loans and leases to core deposits | 62.4224% | 3,805 |
| Total domestic deposits to total assets | 89.4308% | 796 |
| Equity capital to assets | 10.1968% | 2,931 |
| Core capital (leverage) ratio | 10.2154% | 2,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,098,600 | 3,995 |
| Average earning assets | $88,913,600 | 4,045 |
| Average equity | $10,779,800 | 4,110 |
| Average total loans | $61,189,600 | 3,898 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1086% | 2,651 |
| Cost of funding earning assets | 0.2290% | 4,575 |
| Net interest margin | 3.8796% | 1,408 |
| Noninterest income to average assets | 2.1389% | 303 |
| Noninterest expense to average assets | 3.9687% | 386 |
| Loan and lease loss provision to assets | 0.1838% | 2,147 |
| Net operating income to assets | 1.0816% | 2,043 |
| Return on assets (ROA) | 1.0837% | 2,167 |
| Pretax return on assets | 1.4255% | 1,653 |
| Return on Equity (ROE) | 9.9169% | 2,049 |
| Retained earnings to average equity (ytd only) | 9.9169% | 785 |
| Net charge-offs to loans | -0.0260% | 4,486 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1844% | 1,729 |
| Assets per employee ($millions) | 3.4060% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 2,042 |
| Loan loss allowance to noncurrent loans | 1,550.0000% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 4,154 |
| Noncurrent loans to loans | 0.0858% | 4,025 |
| Net loans and leases to total assets | 65.2226% | 2,618 |
| Net loans and leases to deposits | 74.0009% | 2,956 |
| Net loans and leases to core deposits | 77.1016% | 3,086 |
| Total domestic deposits to total assets | 88.1376% | 1,156 |
| Equity capital to assets | 11.2671% | 2,174 |
| Core capital (leverage) ratio | 10.2747% | 2,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,931,000 | 4,019 |
| Average earning assets | $86,742,250 | 4,075 |
| Average equity | $10,702,000 | 4,127 |
| Average total loans | $61,575,500 | 3,905 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 2,930 |
| Cost of funding earning assets | 0.2318% | 4,678 |
| Net interest margin | 3.9101% | 1,544 |
| Noninterest income to average assets | 2.5622% | 216 |
| Noninterest expense to average assets | 4.0184% | 397 |
| Loan and lease loss provision to assets | 0.1843% | 2,177 |
| Net operating income to assets | 1.3690% | 1,183 |
| Return on assets (ROA) | 1.3722% | 1,267 |
| Pretax return on assets | 1.8187% | 785 |
| Return on Equity (ROE) | 12.6898% | 1,174 |
| Retained earnings to average equity (ytd only) | 12.6898% | 387 |
| Net charge-offs to loans | -0.0298% | 4,539 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7801% | 2,406 |
| Assets per employee ($millions) | 3.2793% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 2,262 |
| Loan loss allowance to noncurrent loans | 1,388.1356% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 4,175 |
| Noncurrent loans to loans | 0.0900% | 4,103 |
| Net loans and leases to total assets | 63.7097% | 2,917 |
| Net loans and leases to deposits | 71.8226% | 3,276 |
| Net loans and leases to core deposits | 74.4625% | 3,420 |
| Total domestic deposits to total assets | 88.7043% | 862 |
| Equity capital to assets | 10.7812% | 2,503 |
| Core capital (leverage) ratio | 9.8386% | 2,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,650,000 | 4,027 |
| Average earning assets | $86,288,667 | 4,072 |
| Average equity | $10,559,667 | 4,159 |
| Average total loans | $60,337,000 | 3,940 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2200% | 3,147 |
| Cost of funding earning assets | 0.2418% | 4,788 |
| Net interest margin | 3.9781% | 1,448 |
| Noninterest income to average assets | 3.9144% | 114 |
| Noninterest expense to average assets | 4.2699% | 384 |
| Loan and lease loss provision to assets | 0.1882% | 1,588 |
| Net operating income to assets | 2.2123% | 177 |
| Return on assets (ROA) | 2.2123% | 196 |
| Pretax return on assets | 2.9651% | 93 |
| Return on Equity (ROE) | 20.4257% | 149 |
| Retained earnings to average equity (ytd only) | 20.4257% | 60 |
| Net charge-offs to loans | -0.0277% | 4,442 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5211% | 4,065 |
| Assets per employee ($millions) | 3.4547% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3122% | 2,087 |
| Loan loss allowance to noncurrent loans | 502.6144% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 3,824 |
| Noncurrent loans to loans | 0.2611% | 3,558 |
| Net loans and leases to total assets | 57.7262% | 3,694 |
| Net loans and leases to deposits | 64.7503% | 3,936 |
| Net loans and leases to core deposits | 67.1509% | 4,027 |
| Total domestic deposits to total assets | 89.1521% | 599 |
| Equity capital to assets | 10.7032% | 3,137 |
| Core capital (leverage) ratio | 10.2252% | 3,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,646,000 | 4,050 |
| Average earning assets | $84,361,000 | 4,103 |
| Average equity | $10,359,500 | 4,198 |
| Average total loans | $57,713,000 | 3,996 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5298% | 2,845 |
| Cost of funding earning assets | 0.2512% | 4,849 |
| Net interest margin | 4.2786% | 1,141 |
| Noninterest income to average assets | 2.0810% | 242 |
| Noninterest expense to average assets | 4.3439% | 358 |
| Loan and lease loss provision to assets | 0.1314% | 1,624 |
| Net operating income to assets | 1.0066% | 2,825 |
| Return on assets (ROA) | 1.0066% | 2,914 |
| Pretax return on assets | 1.3373% | 2,367 |
| Return on Equity (ROE) | 9.8243% | 2,377 |
| Retained earnings to average equity (ytd only) | 8.6483% | 795 |
| Net charge-offs to loans | -0.0342% | 4,741 |
| Credit loss provision to net charge-offs | -631.5789% | 4,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7315% | 1,519 |
| Assets per employee ($millions) | 3.0369% | 4,809 |
| Cash dividends to net income (ytd only)* | 11.9695% | 3,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,071 |
| Loan loss allowance to noncurrent loans | 471.2418% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1855% | 3,728 |
| Noncurrent loans to loans | 0.2693% | 3,484 |
| Net loans and leases to total assets | 61.5792% | 3,445 |
| Net loans and leases to deposits | 69.3409% | 3,722 |
| Net loans and leases to core deposits | 72.1851% | 3,848 |
| Total domestic deposits to total assets | 88.8066% | 749 |
| Equity capital to assets | 10.9717% | 3,022 |
| Core capital (leverage) ratio | 10.3602% | 3,116 |
| Tier 1 risk-based capital ratio | 15.1460% | 2,722 |
| Total risk-based capital ratio | 16.3522% | 2,667 |
| Memoranda: | ||
| Average total assets | $91,300,200 | 4,126 |
| Average earning assets | $79,628,600 | 4,193 |
| Average equity | $9,354,400 | 4,327 |
| Average total loans | $55,527,800 | 4,065 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5093% | 3,028 |
| Cost of funding earning assets | 0.2482% | 4,927 |
| Net interest margin | 4.2611% | 1,248 |
| Noninterest income to average assets | 2.2974% | 218 |
| Noninterest expense to average assets | 4.1116% | 468 |
| Loan and lease loss provision to assets | 0.1314% | 1,468 |
| Net operating income to assets | 1.3165% | 1,787 |
| Return on assets (ROA) | 1.3165% | 1,863 |
| Pretax return on assets | 1.7632% | 1,175 |
| Return on Equity (ROE) | 13.0807% | 1,254 |
| Retained earnings to average equity (ytd only) | 13.0807% | 273 |
| Net charge-offs to loans | -0.0749% | 4,932 |
| Credit loss provision to net charge-offs | -290.3226% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4569% | 2,348 |
| Assets per employee ($millions) | 3.1270% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 2,333 |
| Loan loss allowance to noncurrent loans | 317.6471% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 3,549 |
| Noncurrent loans to loans | 0.3873% | 3,159 |
| Net loans and leases to total assets | 60.0729% | 3,666 |
| Net loans and leases to deposits | 67.2173% | 3,977 |
| Net loans and leases to core deposits | 69.8699% | 4,064 |
| Total domestic deposits to total assets | 89.3712% | 488 |
| Equity capital to assets | 10.3325% | 3,688 |
| Core capital (leverage) ratio | 9.8967% | 3,738 |
| Tier 1 risk-based capital ratio | 14.4201% | 3,124 |
| Total risk-based capital ratio | 15.5829% | 3,067 |
| Memoranda: | ||
| Average total assets | $91,348,500 | 4,171 |
| Average earning assets | $79,507,750 | 4,248 |
| Average equity | $9,194,000 | 4,392 |
| Average total loans | $55,203,750 | 4,119 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4689% | 3,112 |
| Cost of funding earning assets | 0.2380% | 4,986 |
| Net interest margin | 4.2309% | 1,286 |
| Noninterest income to average assets | 2.8389% | 170 |
| Noninterest expense to average assets | 4.1932% | 417 |
| Loan and lease loss provision to assets | 0.1326% | 1,410 |
| Net operating income to assets | 1.6437% | 823 |
| Return on assets (ROA) | 1.6437% | 858 |
| Pretax return on assets | 2.2049% | 441 |
| Return on Equity (ROE) | 16.4827% | 527 |
| Retained earnings to average equity (ytd only) | 16.4827% | 118 |
| Net charge-offs to loans | -0.0696% | 4,922 |
| Credit loss provision to net charge-offs | -315.7895% | 4,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2084% | 3,096 |
| Assets per employee ($millions) | 2.8534% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 2,592 |
| Loan loss allowance to noncurrent loans | 298.6425% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 3,474 |
| Noncurrent loans to loans | 0.3977% | 3,105 |
| Net loans and leases to total assets | 62.0795% | 3,538 |
| Net loans and leases to deposits | 69.7636% | 3,860 |
| Net loans and leases to core deposits | 72.6997% | 3,964 |
| Total domestic deposits to total assets | 88.9855% | 669 |
| Equity capital to assets | 10.7669% | 3,294 |
| Core capital (leverage) ratio | 9.7433% | 3,890 |
| Tier 1 risk-based capital ratio | 14.4406% | 3,095 |
| Total risk-based capital ratio | 15.5654% | 3,081 |
| Memoranda: | ||
| Average total assets | $90,527,670 | 4,213 |
| Average earning assets | $78,990,330 | 4,283 |
| Average equity | $9,027,670 | 4,430 |
| Average total loans | $54,586,000 | 4,160 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 3,267 |
| Cost of funding earning assets | 0.2255% | 5,052 |
| Net interest margin | 4.1645% | 1,390 |
| Noninterest income to average assets | 4.1807% | 109 |
| Noninterest expense to average assets | 4.4297% | 317 |
| Loan and lease loss provision to assets | 0.1311% | 1,329 |
| Net operating income to assets | 2.4158% | 184 |
| Return on assets (ROA) | 2.4158% | 195 |
| Pretax return on assets | 3.2502% | 106 |
| Return on Equity (ROE) | 25.1951% | 98 |
| Retained earnings to average equity (ytd only) | 25.1951% | 47 |
| Net charge-offs to loans | -0.0666% | 4,912 |
| Credit loss provision to net charge-offs | -333.3333% | 3,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7114% | 4,250 |
| Assets per employee ($millions) | 3.0569% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 2,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 4,738 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 58.1543% | 3,871 |
| Net loans and leases to deposits | 64.8110% | 4,135 |
| Net loans and leases to core deposits | 67.4129% | 4,214 |
| Total domestic deposits to total assets | 89.7291% | 552 |
| Equity capital to assets | 9.9710% | 3,853 |
| Core capital (leverage) ratio | 9.1674% | 4,504 |
| Tier 1 risk-based capital ratio | 14.2807% | 3,201 |
| Total risk-based capital ratio | 15.3606% | 3,212 |
| Memoranda: | ||
| Average total assets | $91,563,500 | 4,236 |
| Average earning assets | $79,818,000 | 4,306 |
| Average equity | $8,779,500 | 4,503 |
| Average total loans | $54,092,500 | 4,206 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1345% | 3,638 |
| Cost of funding earning assets | 0.1784% | 5,081 |
| Net interest margin | 3.9561% | 2,139 |
| Noninterest income to average assets | 1.4036% | 461 |
| Noninterest expense to average assets | 4.1249% | 451 |
| Loan and lease loss provision to assets | 0.1290% | 1,706 |
| Net operating income to assets | 0.3471% | 4,952 |
| Return on assets (ROA) | 0.3471% | 4,948 |
| Pretax return on assets | 0.5825% | 4,662 |
| Return on Equity (ROE) | 3.8865% | 4,737 |
| Retained earnings to average equity (ytd only) | 3.2849% | 3,764 |
| Net charge-offs to loans | 0.1593% | 1,209 |
| Credit loss provision to net charge-offs | 144.5783% | 1,881 |
| Earnings coverage of net charge-offs (x) | 7.9759% | 2,934 |
| Efficiency ratio | 85.2889% | 565 |
| Assets per employee ($millions) | 2.8569% | 5,067 |
| Cash dividends to net income (ytd only)* | 15.4799% | 3,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 3,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 4,751 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 58.6878% | 3,903 |
| Net loans and leases to deposits | 64.9285% | 4,195 |
| Net loans and leases to core deposits | 67.5220% | 4,268 |
| Total domestic deposits to total assets | 90.3884% | 354 |
| Equity capital to assets | 9.2047% | 4,402 |
| Core capital (leverage) ratio | 8.4496% | 5,051 |
| Tier 1 risk-based capital ratio | 12.9609% | 3,866 |
| Total risk-based capital ratio | 13.9739% | 3,886 |
| Memoranda: | ||
| Average total assets | $93,044,000 | 4,217 |
| Average earning assets | $80,735,200 | 4,305 |
| Average equity | $8,310,800 | 4,552 |
| Average total loans | $52,091,800 | 4,262 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0563% | 3,768 |
| Cost of funding earning assets | 0.1712% | 5,138 |
| Net interest margin | 3.8851% | 2,359 |
| Noninterest income to average assets | 1.4453% | 451 |
| Noninterest expense to average assets | 3.8637% | 617 |
| Loan and lease loss provision to assets | 0.1284% | 1,566 |
| Net operating income to assets | 0.4751% | 4,812 |
| Return on assets (ROA) | 0.4751% | 4,813 |
| Pretax return on assets | 0.8204% | 4,240 |
| Return on Equity (ROE) | 5.3591% | 4,458 |
| Retained earnings to average equity (ytd only) | 5.3591% | 3,023 |
| Net charge-offs to loans | 0.2302% | 742 |
| Credit loss provision to net charge-offs | 101.1236% | 2,238 |
| Earnings coverage of net charge-offs (x) | 7.4721% | 2,806 |
| Efficiency ratio | 80.2846% | 918 |
| Assets per employee ($millions) | 2.9145% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 3,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 4,853 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 58.9198% | 3,954 |
| Net loans and leases to deposits | 65.2930% | 4,253 |
| Net loans and leases to core deposits | 67.7191% | 4,306 |
| Total domestic deposits to total assets | 90.2391% | 431 |
| Equity capital to assets | 9.2806% | 4,298 |
| Core capital (leverage) ratio | 8.3260% | 5,191 |
| Tier 1 risk-based capital ratio | 13.1112% | 3,842 |
| Total risk-based capital ratio | 14.0644% | 3,909 |
| Memoranda: | ||
| Average total assets | $93,449,750 | 4,250 |
| Average earning assets | $80,991,500 | 4,347 |
| Average equity | $8,284,750 | 4,606 |
| Average total loans | $51,556,250 | 4,326 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9373% | 3,973 |
| Cost of funding earning assets | 0.1591% | 5,203 |
| Net interest margin | 3.7782% | 2,643 |
| Noninterest income to average assets | 1.2087% | 660 |
| Noninterest expense to average assets | 3.7552% | 707 |
| Loan and lease loss provision to assets | 0.1270% | 1,560 |
| Net operating income to assets | 0.4657% | 4,828 |
| Return on assets (ROA) | 0.4657% | 4,833 |
| Pretax return on assets | 0.5948% | 4,746 |
| Return on Equity (ROE) | 5.3325% | 4,452 |
| Retained earnings to average equity (ytd only) | 5.3325% | 2,920 |
| Net charge-offs to loans | 0.0039% | 3,039 |
| Credit loss provision to net charge-offs | 6,000.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 341.0000% | 268 |
| Efficiency ratio | 83.8771% | 695 |
| Assets per employee ($millions) | 3.0873% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 2,943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 4,898 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 53.7997% | 4,355 |
| Net loans and leases to deposits | 59.1998% | 4,579 |
| Net loans and leases to core deposits | 61.2563% | 4,645 |
| Total domestic deposits to total assets | 90.8782% | 280 |
| Equity capital to assets | 8.6861% | 4,813 |
| Core capital (leverage) ratio | 7.5286% | 5,438 |
| Tier 1 risk-based capital ratio | 11.8362% | 4,598 |
| Total risk-based capital ratio | 12.8375% | 4,625 |
| Memoranda: | ||
| Average total assets | $94,483,000 | 4,272 |
| Average earning assets | $81,732,000 | 4,371 |
| Average equity | $8,251,330 | 4,654 |
| Average total loans | $50,815,330 | 4,384 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8407% | 4,108 |
| Cost of funding earning assets | 0.1526% | 5,253 |
| Net interest margin | 3.6881% | 2,851 |
| Noninterest income to average assets | 1.3508% | 514 |
| Noninterest expense to average assets | 3.8435% | 630 |
| Loan and lease loss provision to assets | 0.1278% | 1,474 |
| Net operating income to assets | 0.4559% | 4,798 |
| Return on assets (ROA) | 0.4559% | 4,802 |
| Pretax return on assets | 0.5710% | 4,748 |
| Return on Equity (ROE) | 5.2065% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.2065% | 3,076 |
| Net charge-offs to loans | -0.0877% | 5,158 |
| Credit loss provision to net charge-offs | -272.7273% | 3,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 754 |
| Assets per employee ($millions) | 3.2480% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 3,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 4,980 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 50.2379% | 4,541 |
| Net loans and leases to deposits | 54.9165% | 4,750 |
| Net loans and leases to core deposits | 57.2595% | 4,783 |
| Total domestic deposits to total assets | 91.4805% | 190 |
| Equity capital to assets | 8.1669% | 5,196 |
| Core capital (leverage) ratio | 7.5588% | 5,504 |
| Tier 1 risk-based capital ratio | 11.8790% | 4,621 |
| Total risk-based capital ratio | 12.8695% | 4,688 |
| Memoranda: | ||
| Average total assets | $93,872,000 | 4,330 |
| Average earning assets | $81,235,000 | 4,424 |
| Average equity | $8,220,500 | 4,710 |
| Average total loans | $50,177,000 | 4,440 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6242% | 4,521 |
| Cost of funding earning assets | 0.1435% | 5,297 |
| Net interest margin | 3.4807% | 3,590 |
| Noninterest income to average assets | 1.1195% | 813 |
| Noninterest expense to average assets | 3.9031% | 615 |
| Loan and lease loss provision to assets | 0.0449% | 3,343 |
| Net operating income to assets | 0.2560% | 5,011 |
| Return on assets (ROA) | 0.2549% | 5,028 |
| Pretax return on assets | 0.1662% | 5,339 |
| Return on Equity (ROE) | 2.7830% | 4,891 |
| Retained earnings to average equity (ytd only) | 2.3539% | 3,913 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8431% | 271 |
| Assets per employee ($millions) | 2.8083% | 5,316 |
| Cash dividends to net income (ytd only)* | 15.4185% | 3,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 3,324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 4,980 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 55.8749% | 4,200 |
| Net loans and leases to deposits | 61.9443% | 4,456 |
| Net loans and leases to core deposits | 64.2084% | 4,520 |
| Total domestic deposits to total assets | 90.2018% | 498 |
| Equity capital to assets | 9.4398% | 4,284 |
| Core capital (leverage) ratio | 8.3701% | 5,242 |
| Tier 1 risk-based capital ratio | 12.9594% | 3,928 |
| Total risk-based capital ratio | 13.9358% | 3,992 |
| Memoranda: | ||
| Average total assets | $89,056,600 | 4,439 |
| Average earning assets | $76,650,400 | 4,528 |
| Average equity | $8,156,800 | 4,761 |
| Average total loans | $42,794,600 | 4,651 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5173% | 4,772 |
| Cost of funding earning assets | 0.1419% | 5,363 |
| Net interest margin | 3.3754% | 3,933 |
| Noninterest income to average assets | 1.1077% | 827 |
| Noninterest expense to average assets | 3.6892% | 779 |
| Loan and lease loss provision to assets | 0.0149% | 3,847 |
| Net operating income to assets | 0.3067% | 5,206 |
| Return on assets (ROA) | 0.3067% | 5,226 |
| Pretax return on assets | 0.3067% | 5,305 |
| Return on Equity (ROE) | 3.3736% | 5,020 |
| Retained earnings to average equity (ytd only) | 3.3736% | 3,919 |
| Net charge-offs to loans | 0.0129% | 3,278 |
| Credit loss provision to net charge-offs | 250.0000% | 1,131 |
| Earnings coverage of net charge-offs (x) | 54.0319% | 1,066 |
| Efficiency ratio | 91.9822% | 345 |
| Assets per employee ($millions) | 3.0670% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 3,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 5,077 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 49.2737% | 4,754 |
| Net loans and leases to deposits | 54.1364% | 4,958 |
| Net loans and leases to core deposits | 55.9252% | 5,001 |
| Total domestic deposits to total assets | 91.0178% | 181 |
| Equity capital to assets | 8.7624% | 5,108 |
| Core capital (leverage) ratio | 8.4276% | 5,292 |
| Tier 1 risk-based capital ratio | 13.0832% | 3,954 |
| Total risk-based capital ratio | 13.9845% | 4,079 |
| Memoranda: | ||
| Average total assets | $89,556,500 | 4,477 |
| Average earning assets | $77,026,000 | 4,564 |
| Average equity | $8,141,500 | 4,816 |
| Average total loans | $41,196,500 | 4,735 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4883% | 4,796 |
| Cost of funding earning assets | 0.1437% | 5,376 |
| Net interest margin | 3.3446% | 3,970 |
| Noninterest income to average assets | 0.8482% | 1,420 |
| Noninterest expense to average assets | 3.6800% | 790 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0342% | 5,536 |
| Return on assets (ROA) | 0.0342% | 5,539 |
| Pretax return on assets | 0.0342% | 5,535 |
| Return on Equity (ROE) | 0.3714% | 5,534 |
| Retained earnings to average equity (ytd only) | 0.3714% | 5,002 |
| Net charge-offs to loans | 0.0307% | 2,594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,152 |
| Efficiency ratio | 99.0792% | 198 |
| Assets per employee ($millions) | 2.8462% | 5,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 2,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 44.4152% | 5,019 |
| Net loans and leases to deposits | 49.1004% | 5,173 |
| Net loans and leases to core deposits | 50.8638% | 5,190 |
| Total domestic deposits to total assets | 90.4580% | 372 |
| Equity capital to assets | 9.2416% | 4,680 |
| Core capital (leverage) ratio | 8.3893% | 5,289 |
| Tier 1 risk-based capital ratio | 14.7072% | 3,061 |
| Total risk-based capital ratio | 15.7041% | 3,115 |
| Memoranda: | ||
| Average total assets | $87,716,330 | 4,532 |
| Average earning assets | $75,166,000 | 4,632 |
| Average equity | $8,078,330 | 4,846 |
| Average total loans | $39,142,670 | 4,844 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4459% | 4,838 |
| Cost of funding earning assets | 0.1440% | 5,412 |
| Net interest margin | 3.3018% | 4,002 |
| Noninterest income to average assets | 0.5260% | 2,791 |
| Noninterest expense to average assets | 3.2610% | 1,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0960% | 5,524 |
| Return on assets (ROA) | 0.0960% | 5,526 |
| Pretax return on assets | 0.0960% | 5,520 |
| Return on Equity (ROE) | 1.0447% | 5,485 |
| Retained earnings to average equity (ytd only) | 1.0447% | 4,637 |
| Net charge-offs to loans | 0.0617% | 1,712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,476 |
| Efficiency ratio | 97.1390% | 290 |
| Assets per employee ($millions) | 2.8019% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 4,060 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 43.6790% | 5,055 |
| Net loans and leases to deposits | 48.1047% | 5,216 |
| Net loans and leases to core deposits | 49.7972% | 5,230 |
| Total domestic deposits to total assets | 90.7998% | 360 |
| Equity capital to assets | 9.0151% | 4,792 |
| Core capital (leverage) ratio | 8.4573% | 5,258 |
| Tier 1 risk-based capital ratio | 14.2723% | 3,333 |
| Total risk-based capital ratio | 15.2279% | 3,407 |
| Memoranda: | ||
| Average total assets | $87,459,000 | 4,575 |
| Average earning assets | $74,988,500 | 4,681 |
| Average equity | $8,040,500 | 4,893 |
| Average total loans | $38,870,500 | 4,894 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2467% | 5,241 |
| Cost of funding earning assets | 0.1375% | 5,502 |
| Net interest margin | 3.1092% | 4,707 |
| Noninterest income to average assets | 0.8882% | 1,450 |
| Noninterest expense to average assets | 3.2515% | 1,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3263% | 5,154 |
| Return on assets (ROA) | 0.3353% | 5,199 |
| Pretax return on assets | 0.3353% | 5,321 |
| Return on Equity (ROE) | 3.6886% | 4,936 |
| Retained earnings to average equity (ytd only) | 3.3770% | 3,520 |
| Net charge-offs to loans | -0.2387% | 5,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8803% | 508 |
| Assets per employee ($millions) | 2.6643% | 5,579 |
| Cash dividends to net income (ytd only)* | 8.4459% | 4,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 2,411 |
| Loan loss allowance to noncurrent loans | 213.5593% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 3,774 |
| Noncurrent loans to loans | 0.6197% | 2,991 |
| Net loans and leases to total assets | 44.0738% | 5,112 |
| Net loans and leases to deposits | 48.7234% | 5,263 |
| Net loans and leases to core deposits | 50.5359% | 5,285 |
| Total domestic deposits to total assets | 90.4571% | 462 |
| Equity capital to assets | 9.3810% | 4,394 |
| Core capital (leverage) ratio | 8.6755% | 5,101 |
| Tier 1 risk-based capital ratio | 15.1288% | 2,907 |
| Total risk-based capital ratio | 16.1570% | 2,951 |
| Memoranda: | ||
| Average total assets | $88,267,200 | 4,576 |
| Average earning assets | $76,354,400 | 4,665 |
| Average equity | $8,024,800 | 4,935 |
| Average total loans | $32,672,400 | 5,113 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1886% | 5,379 |
| Cost of funding earning assets | 0.1383% | 5,556 |
| Net interest margin | 3.0503% | 4,899 |
| Noninterest income to average assets | 0.5676% | 2,831 |
| Noninterest expense to average assets | 3.0165% | 2,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1932% | 5,475 |
| Return on assets (ROA) | 0.2052% | 5,516 |
| Pretax return on assets | 0.2052% | 5,560 |
| Return on Equity (ROE) | 2.2743% | 5,418 |
| Retained earnings to average equity (ytd only) | 2.2743% | 4,560 |
| Net charge-offs to loans | -0.4598% | 5,882 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9804% | 392 |
| Assets per employee ($millions) | 2.9504% | 5,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 1,895 |
| Loan loss allowance to noncurrent loans | 166.3551% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.5502% | 3,258 |
| Noncurrent loans to loans | 0.8826% | 2,494 |
| Net loans and leases to total assets | 40.4865% | 5,356 |
| Net loans and leases to deposits | 44.7200% | 5,493 |
| Net loans and leases to core deposits | 46.3188% | 5,503 |
| Total domestic deposits to total assets | 90.5334% | 312 |
| Equity capital to assets | 9.2757% | 4,892 |
| Core capital (leverage) ratio | 8.1539% | 5,607 |
| Tier 1 risk-based capital ratio | 14.7085% | 3,189 |
| Total risk-based capital ratio | 15.7872% | 3,206 |
| Memoranda: | ||
| Average total assets | $89,019,750 | 4,605 |
| Average earning assets | $77,105,500 | 4,682 |
| Average equity | $8,031,500 | 4,978 |
| Average total loans | $31,320,500 | 5,205 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9643% | 5,675 |
| Cost of funding earning assets | 0.1373% | 5,632 |
| Net interest margin | 2.8269% | 5,384 |
| Noninterest income to average assets | 0.6122% | 2,556 |
| Noninterest expense to average assets | 2.9353% | 2,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1233% | 5,641 |
| Return on assets (ROA) | 0.1233% | 5,689 |
| Pretax return on assets | 0.1233% | 5,697 |
| Return on Equity (ROE) | 1.3798% | 5,630 |
| Retained earnings to average equity (ytd only) | 1.3798% | 4,829 |
| Net charge-offs to loans | 0.1350% | 1,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 3,215 |
| Efficiency ratio | 95.9677% | 348 |
| Assets per employee ($millions) | 2.7957% | 5,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 3,421 |
| Loan loss allowance to noncurrent loans | 255.3459% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 4,026 |
| Noncurrent loans to loans | 0.4661% | 3,694 |
| Net loans and leases to total assets | 37.6797% | 5,525 |
| Net loans and leases to deposits | 41.5038% | 5,637 |
| Net loans and leases to core deposits | 42.9666% | 5,650 |
| Total domestic deposits to total assets | 90.7860% | 233 |
| Equity capital to assets | 9.0329% | 5,214 |
| Core capital (leverage) ratio | 8.0828% | 5,680 |
| Tier 1 risk-based capital ratio | 14.3657% | 3,396 |
| Total risk-based capital ratio | 15.1721% | 3,567 |
| Memoranda: | ||
| Average total assets | $89,189,330 | 4,631 |
| Average earning assets | $77,186,330 | 4,721 |
| Average equity | $7,972,000 | 5,028 |
| Average total loans | $29,637,670 | 5,306 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8635% | 5,817 |
| Cost of funding earning assets | 0.1406% | 5,668 |
| Net interest margin | 2.7229% | 5,583 |
| Noninterest income to average assets | 0.7950% | 1,635 |
| Noninterest expense to average assets | 2.6860% | 3,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4582% | 4,797 |
| Return on assets (ROA) | 0.4582% | 4,879 |
| Pretax return on assets | 0.4582% | 5,191 |
| Return on Equity (ROE) | 5.1531% | 4,419 |
| Retained earnings to average equity (ytd only) | 5.1531% | 2,846 |
| Net charge-offs to loans | 0.2774% | 764 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.3684% | 2,333 |
| Efficiency ratio | 85.4286% | 1,028 |
| Assets per employee ($millions) | 3.2742% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 2,230 |
| Loan loss allowance to noncurrent loans | 246.6667% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.7974% | 2,704 |
| Noncurrent loans to loans | 0.5852% | 3,434 |
| Net loans and leases to total assets | 30.3129% | 5,818 |
| Net loans and leases to deposits | 33.2950% | 5,882 |
| Net loans and leases to core deposits | 34.4353% | 5,885 |
| Total domestic deposits to total assets | 91.0436% | 260 |
| Equity capital to assets | 8.7819% | 5,353 |
| Core capital (leverage) ratio | 8.1675% | 5,672 |
| Tier 1 risk-based capital ratio | 15.0326% | 3,141 |
| Total risk-based capital ratio | 15.8720% | 3,268 |
| Memoranda: | ||
| Average total assets | $89,053,000 | 4,677 |
| Average earning assets | $76,830,000 | 4,777 |
| Average equity | $7,917,500 | 5,066 |
| Average total loans | $27,399,000 | 5,434 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7528% | 5,914 |
| Cost of funding earning assets | 0.1458% | 5,712 |
| Net interest margin | 2.6070% | 5,749 |
| Noninterest income to average assets | 0.5151% | 3,229 |
| Noninterest expense to average assets | 2.8473% | 3,044 |
| Loan and lease loss provision to assets | -0.1096% | 5,867 |
| Net operating income to assets | 0.0504% | 5,815 |
| Return on assets (ROA) | 0.0493% | 5,852 |
| Pretax return on assets | 0.0493% | 5,848 |
| Return on Equity (ROE) | 0.5821% | 5,829 |
| Retained earnings to average equity (ytd only) | 0.5821% | 5,283 |
| Net charge-offs to loans | 0.0151% | 3,988 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,668 |
| Earnings coverage of net charge-offs (x) | -13.5000% | 4,430 |
| Efficiency ratio | 102.1226% | 243 |
| Assets per employee ($millions) | 3.0868% | 5,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6014% | 1,611 |
| Loan loss allowance to noncurrent loans | 203.8278% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 1.1466% | 1,902 |
| Noncurrent loans to loans | 0.7857% | 2,820 |
| Net loans and leases to total assets | 30.2850% | 5,880 |
| Net loans and leases to deposits | 33.3878% | 5,944 |
| Net loans and leases to core deposits | 34.6079% | 5,953 |
| Total domestic deposits to total assets | 90.7068% | 373 |
| Equity capital to assets | 9.0062% | 5,111 |
| Core capital (leverage) ratio | 8.2169% | 5,682 |
| Tier 1 risk-based capital ratio | 16.1869% | 2,606 |
| Total risk-based capital ratio | 17.1427% | 2,675 |
| Memoranda: | ||
| Average total assets | $91,243,800 | 4,646 |
| Average earning assets | $79,555,600 | 4,726 |
| Average equity | $7,731,000 | 5,100 |
| Average total loans | $26,496,400 | 5,504 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7194% | 6,008 |
| Cost of funding earning assets | 0.1450% | 5,819 |
| Net interest margin | 2.5743% | 5,861 |
| Noninterest income to average assets | 0.4702% | 3,566 |
| Noninterest expense to average assets | 2.7893% | 3,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0663% | 5,981 |
| Return on assets (ROA) | -0.0678% | 6,006 |
| Pretax return on assets | -0.0678% | 6,002 |
| Return on Equity (ROE) | -0.8120% | 6,015 |
| Retained earnings to average equity (ytd only) | -0.8120% | 5,738 |
| Net charge-offs to loans | 0.0352% | 3,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -6.5734% | 4,135 |
| Efficiency ratio | 102.4364% | 248 |
| Assets per employee ($millions) | 3.3378% | 5,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8996% | 1,073 |
| Loan loss allowance to noncurrent loans | 235.5856% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 1.0828% | 2,193 |
| Noncurrent loans to loans | 0.8063% | 2,954 |
| Net loans and leases to total assets | 28.8996% | 6,008 |
| Net loans and leases to deposits | 31.6673% | 6,056 |
| Net loans and leases to core deposits | 32.8285% | 6,064 |
| Total domestic deposits to total assets | 91.2602% | 194 |
| Equity capital to assets | 8.3567% | 5,796 |
| Core capital (leverage) ratio | 8.1004% | 5,842 |
| Tier 1 risk-based capital ratio | 14.7062% | 3,435 |
| Total risk-based capital ratio | 15.7866% | 3,461 |
| Memoranda: | ||
| Average total assets | $92,447,500 | 4,667 |
| Average earning assets | $80,899,500 | 4,753 |
| Average equity | $7,717,750 | 5,168 |
| Average total loans | $26,470,250 | 5,569 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5586% | 6,135 |
| Cost of funding earning assets | 0.1454% | 5,883 |
| Net interest margin | 2.4132% | 6,033 |
| Noninterest income to average assets | 0.4581% | 3,644 |
| Noninterest expense to average assets | 2.8053% | 3,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.2215% | 6,111 |
| Return on assets (ROA) | -0.2236% | 6,128 |
| Pretax return on assets | -0.2236% | 6,117 |
| Return on Equity (ROE) | -2.6798% | 6,146 |
| Retained earnings to average equity (ytd only) | -2.6798% | 5,890 |
| Net charge-offs to loans | -0.0153% | 5,068 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.5714% | 191 |
| Assets per employee ($millions) | 3.3997% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0054% | 977 |
| Loan loss allowance to noncurrent loans | 155.5556% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 1.2407% | 2,031 |
| Noncurrent loans to loans | 1.2892% | 2,092 |
| Net loans and leases to total assets | 27.3104% | 6,109 |
| Net loans and leases to deposits | 29.7755% | 6,146 |
| Net loans and leases to core deposits | 30.8434% | 6,149 |
| Total domestic deposits to total assets | 91.7209% | 158 |
| Equity capital to assets | 7.9419% | 6,008 |
| Core capital (leverage) ratio | 8.1254% | 5,852 |
| Tier 1 risk-based capital ratio | 13.7263% | 4,080 |
| Total risk-based capital ratio | 14.7596% | 4,150 |
| Memoranda: | ||
| Average total assets | $92,110,670 | 4,723 |
| Average earning assets | $81,138,670 | 4,800 |
| Average equity | $7,687,000 | 5,222 |
| Average total loans | $26,116,330 | 5,629 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5250% | 6,214 |
| Cost of funding earning assets | 0.1569% | 5,871 |
| Net interest margin | 2.3682% | 6,112 |
| Noninterest income to average assets | 0.4107% | 3,917 |
| Noninterest expense to average assets | 2.8133% | 3,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.3357% | 6,200 |
| Return on assets (ROA) | -0.3401% | 6,214 |
| Pretax return on assets | -0.3401% | 6,201 |
| Return on Equity (ROE) | -3.9739% | 6,241 |
| Retained earnings to average equity (ytd only) | -3.9739% | 5,859 |
| Net charge-offs to loans | 0.0463% | 2,332 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -25.3333% | 3,265 |
| Efficiency ratio | 113.5472% | 169 |
| Assets per employee ($millions) | 3.1017% | 5,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0050% | 1,068 |
| Loan loss allowance to noncurrent loans | 125.4762% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.0381% | 2,545 |
| Noncurrent loans to loans | 1.5979% | 1,749 |
| Net loans and leases to total assets | 27.6802% | 6,141 |
| Net loans and leases to deposits | 30.3216% | 6,192 |
| Net loans and leases to core deposits | 31.2327% | 6,200 |
| Total domestic deposits to total assets | 91.2887% | 278 |
| Equity capital to assets | 8.3910% | 5,812 |
| Core capital (leverage) ratio | 8.2867% | 5,743 |
| Tier 1 risk-based capital ratio | 13.4384% | 4,357 |
| Total risk-based capital ratio | 14.4364% | 4,421 |
| Memoranda: | ||
| Average total assets | $90,570,500 | 4,797 |
| Average earning assets | $79,049,000 | 4,886 |
| Average equity | $7,750,500 | 5,253 |
| Average total loans | $25,910,000 | 5,682 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8039% | 6,200 |
| Cost of funding earning assets | 0.1585% | 6,050 |
| Net interest margin | 2.6454% | 6,017 |
| Noninterest income to average assets | 0.8958% | 1,513 |
| Noninterest expense to average assets | 3.1906% | 2,239 |
| Loan and lease loss provision to assets | -0.3385% | 6,391 |
| Net operating income to assets | 0.3227% | 5,459 |
| Return on assets (ROA) | 0.1061% | 5,981 |
| Pretax return on assets | 0.1061% | 5,983 |
| Return on Equity (ROE) | 1.2817% | 5,936 |
| Retained earnings to average equity (ytd only) | 1.2817% | 5,200 |
| Net charge-offs to loans | -0.2393% | 6,290 |
| Credit loss provision to net charge-offs | 491.8033% | 532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4975% | 351 |
| Assets per employee ($millions) | 2.9363% | 5,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0755% | 988 |
| Loan loss allowance to noncurrent loans | 153.6232% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 1.1432% | 2,473 |
| Noncurrent loans to loans | 1.3510% | 2,178 |
| Net loans and leases to total assets | 28.3872% | 6,225 |
| Net loans and leases to deposits | 33.8161% | 6,222 |
| Net loans and leases to core deposits | 35.2963% | 6,214 |
| Total domestic deposits to total assets | 83.9458% | 3,738 |
| Equity capital to assets | 8.7332% | 5,556 |
| Core capital (leverage) ratio | 8.3065% | 5,770 |
| Tier 1 risk-based capital ratio | 19.1932% | 1,796 |
| Total risk-based capital ratio | 20.4453% | 1,759 |
| Memoranda: | ||
| Average total assets | $88,636,000 | 4,872 |
| Average earning assets | $76,358,400 | 4,976 |
| Average equity | $7,334,200 | 5,340 |
| Average total loans | $25,487,600 | 5,762 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8348% | 6,259 |
| Cost of funding earning assets | 0.1626% | 6,109 |
| Net interest margin | 2.6722% | 6,038 |
| Noninterest income to average assets | 0.7735% | 1,999 |
| Noninterest expense to average assets | 3.1390% | 2,353 |
| Loan and lease loss provision to assets | -0.4506% | 6,521 |
| Net operating income to assets | 0.2857% | 5,636 |
| Return on assets (ROA) | 0.2959% | 5,669 |
| Pretax return on assets | 0.3935% | 5,590 |
| Return on Equity (ROE) | 3.6256% | 5,318 |
| Retained earnings to average equity (ytd only) | 3.6256% | 4,068 |
| Net charge-offs to loans | -0.6961% | 6,489 |
| Credit loss provision to net charge-offs | 225.5639% | 1,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3005% | 321 |
| Assets per employee ($millions) | 2.5511% | 6,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3695% | 763 |
| Loan loss allowance to noncurrent loans | 121.6162% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.3996% | 2,206 |
| Noncurrent loans to loans | 1.9484% | 1,636 |
| Net loans and leases to total assets | 28.5961% | 6,301 |
| Net loans and leases to deposits | 31.4788% | 6,349 |
| Net loans and leases to core deposits | 32.7709% | 6,346 |
| Total domestic deposits to total assets | 90.8426% | 405 |
| Equity capital to assets | 8.6951% | 5,641 |
| Core capital (leverage) ratio | 8.9049% | 5,186 |
| Tier 1 risk-based capital ratio | 19.2719% | 1,831 |
| Total risk-based capital ratio | 20.5260% | 1,805 |
| Memoranda: | ||
| Average total assets | $88,772,750 | 4,921 |
| Average earning assets | $76,241,000 | 5,035 |
| Average equity | $7,244,500 | 5,402 |
| Average total loans | $25,475,500 | 5,820 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8609% | 6,287 |
| Cost of funding earning assets | 0.1618% | 6,179 |
| Net interest margin | 2.6991% | 6,054 |
| Noninterest income to average assets | 0.8809% | 1,554 |
| Noninterest expense to average assets | 3.1056% | 2,474 |
| Loan and lease loss provision to assets | -0.6708% | 6,614 |
| Net operating income to assets | 0.6148% | 4,279 |
| Return on assets (ROA) | 0.6238% | 4,325 |
| Pretax return on assets | 0.7691% | 4,387 |
| Return on Equity (ROE) | 7.8093% | 3,200 |
| Retained earnings to average equity (ytd only) | 7.8093% | 1,390 |
| Net charge-offs to loans | -1.0667% | 6,577 |
| Credit loss provision to net charge-offs | 220.5882% | 1,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2689% | 495 |
| Assets per employee ($millions) | 2.6005% | 6,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4022% | 809 |
| Loan loss allowance to noncurrent loans | 200.3311% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 1.2022% | 2,682 |
| Noncurrent loans to loans | 1.1991% | 2,835 |
| Net loans and leases to total assets | 27.7998% | 6,369 |
| Net loans and leases to deposits | 30.5395% | 6,419 |
| Net loans and leases to core deposits | 31.7682% | 6,415 |
| Total domestic deposits to total assets | 91.0290% | 408 |
| Equity capital to assets | 8.5514% | 5,759 |
| Core capital (leverage) ratio | 8.6800% | 5,431 |
| Tier 1 risk-based capital ratio | 19.8102% | 1,730 |
| Total risk-based capital ratio | 21.0651% | 1,699 |
| Memoranda: | ||
| Average total assets | $89,450,670 | 4,944 |
| Average earning assets | $76,618,000 | 5,055 |
| Average equity | $7,145,330 | 5,453 |
| Average total loans | $25,498,670 | 5,855 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8753% | 6,343 |
| Cost of funding earning assets | 0.1716% | 6,218 |
| Net interest margin | 2.7037% | 6,108 |
| Noninterest income to average assets | 0.7514% | 1,954 |
| Noninterest expense to average assets | 2.9477% | 3,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1156% | 5,995 |
| Return on assets (ROA) | 0.1156% | 6,026 |
| Pretax return on assets | 0.1156% | 6,048 |
| Return on Equity (ROE) | 1.4991% | 5,928 |
| Retained earnings to average equity (ytd only) | 1.4991% | 5,010 |
| Net charge-offs to loans | -0.0312% | 5,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2264% | 627 |
| Assets per employee ($millions) | 2.6215% | 6,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0556% | 404 |
| Loan loss allowance to noncurrent loans | 114.3917% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 1.8943% | 1,819 |
| Noncurrent loans to loans | 2.6712% | 1,271 |
| Net loans and leases to total assets | 26.6602% | 6,454 |
| Net loans and leases to deposits | 29.0163% | 6,496 |
| Net loans and leases to core deposits | 30.0762% | 6,493 |
| Total domestic deposits to total assets | 91.8802% | 279 |
| Equity capital to assets | 7.7220% | 6,226 |
| Core capital (leverage) ratio | 8.6442% | 5,466 |
| Tier 1 risk-based capital ratio | 18.2058% | 2,205 |
| Total risk-based capital ratio | 19.4653% | 2,170 |
| Memoranda: | ||
| Average total assets | $89,967,000 | 4,971 |
| Average earning assets | $76,932,000 | 5,094 |
| Average equity | $6,937,500 | 5,534 |
| Average total loans | $25,655,500 | 5,905 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0101% | 6,334 |
| Cost of funding earning assets | 0.2032% | 6,273 |
| Net interest margin | 2.8069% | 5,967 |
| Noninterest income to average assets | 0.6842% | 2,627 |
| Noninterest expense to average assets | 3.2133% | 2,376 |
| Loan and lease loss provision to assets | -0.3444% | 6,700 |
| Net operating income to assets | 0.2055% | 5,806 |
| Return on assets (ROA) | 0.2078% | 5,871 |
| Pretax return on assets | 0.2124% | 5,916 |
| Return on Equity (ROE) | 2.5234% | 5,667 |
| Retained earnings to average equity (ytd only) | 2.5234% | 4,458 |
| Net charge-offs to loans | 0.0568% | 4,433 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,319 |
| Earnings coverage of net charge-offs (x) | -7.8000% | 5,415 |
| Efficiency ratio | 104.3624% | 364 |
| Assets per employee ($millions) | 2.5936% | 6,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9487% | 503 |
| Loan loss allowance to noncurrent loans | 107.8541% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 2.2748% | 1,556 |
| Noncurrent loans to loans | 2.7340% | 1,317 |
| Net loans and leases to total assets | 28.7017% | 6,500 |
| Net loans and leases to deposits | 33.0750% | 6,508 |
| Net loans and leases to core deposits | 34.3433% | 6,511 |
| Total domestic deposits to total assets | 86.7775% | 2,843 |
| Equity capital to assets | 7.6999% | 6,186 |
| Core capital (leverage) ratio | 8.5465% | 5,613 |
| Tier 1 risk-based capital ratio | 17.6356% | 2,365 |
| Total risk-based capital ratio | 18.8942% | 2,339 |
| Memoranda: | ||
| Average total assets | $87,107,400 | 5,047 |
| Average earning assets | $74,316,000 | 5,187 |
| Average equity | $7,172,800 | 5,529 |
| Average total loans | $26,393,400 | 5,915 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0496% | 6,373 |
| Cost of funding earning assets | 0.2124% | 6,339 |
| Net interest margin | 2.8371% | 5,949 |
| Noninterest income to average assets | 0.7262% | 2,479 |
| Noninterest expense to average assets | 3.3180% | 2,028 |
| Loan and lease loss provision to assets | -0.4606% | 6,822 |
| Net operating income to assets | 0.2081% | 5,892 |
| Return on assets (ROA) | 0.2103% | 5,971 |
| Pretax return on assets | 0.2917% | 5,896 |
| Return on Equity (ROE) | 2.5130% | 5,777 |
| Retained earnings to average equity (ytd only) | 2.5130% | 4,814 |
| Net charge-offs to loans | -0.1159% | 6,525 |
| Credit loss provision to net charge-offs | 1,304.3478% | 243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.4661% | 340 |
| Assets per employee ($millions) | 2.4024% | 6,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0934% | 502 |
| Loan loss allowance to noncurrent loans | 106.4644% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 2.0872% | 1,917 |
| Noncurrent loans to loans | 2.9056% | 1,409 |
| Net loans and leases to total assets | 30.0660% | 6,534 |
| Net loans and leases to deposits | 32.9459% | 6,597 |
| Net loans and leases to core deposits | 34.2000% | 6,605 |
| Total domestic deposits to total assets | 91.2588% | 438 |
| Equity capital to assets | 8.1727% | 6,031 |
| Core capital (leverage) ratio | 8.7363% | 5,487 |
| Tier 1 risk-based capital ratio | 17.8529% | 2,378 |
| Total risk-based capital ratio | 19.1109% | 2,338 |
| Memoranda: | ||
| Average total assets | $86,838,500 | 5,102 |
| Average earning assets | $74,063,250 | 5,245 |
| Average equity | $7,268,500 | 5,565 |
| Average total loans | $26,472,000 | 5,973 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9695% | 6,476 |
| Cost of funding earning assets | 0.2239% | 6,346 |
| Net interest margin | 2.7455% | 6,105 |
| Noninterest income to average assets | 0.6974% | 2,654 |
| Noninterest expense to average assets | 3.2317% | 2,270 |
| Loan and lease loss provision to assets | -0.6837% | 6,899 |
| Net operating income to assets | 0.3388% | 5,452 |
| Return on assets (ROA) | 0.3419% | 5,607 |
| Pretax return on assets | 0.5014% | 5,373 |
| Return on Equity (ROE) | 4.0537% | 5,197 |
| Retained earnings to average equity (ytd only) | 4.0537% | 3,719 |
| Net charge-offs to loans | -0.2105% | 6,680 |
| Credit loss provision to net charge-offs | 1,071.4286% | 286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1377% | 346 |
| Assets per employee ($millions) | 2.3345% | 6,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0695% | 542 |
| Loan loss allowance to noncurrent loans | 102.1384% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 2.3988% | 1,772 |
| Noncurrent loans to loans | 3.0052% | 1,479 |
| Net loans and leases to total assets | 30.5113% | 6,562 |
| Net loans and leases to deposits | 33.5084% | 6,628 |
| Net loans and leases to core deposits | 34.8819% | 6,626 |
| Total domestic deposits to total assets | 91.0556% | 526 |
| Equity capital to assets | 8.4185% | 5,852 |
| Core capital (leverage) ratio | 8.3669% | 5,806 |
| Tier 1 risk-based capital ratio | 17.5346% | 2,500 |
| Total risk-based capital ratio | 18.7924% | 2,464 |
| Memoranda: | ||
| Average total assets | $87,756,330 | 5,115 |
| Average earning assets | $75,030,670 | 5,249 |
| Average equity | $7,400,670 | 5,585 |
| Average total loans | $26,600,000 | 5,997 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7075% | 6,727 |
| Cost of funding earning assets | 0.2343% | 6,383 |
| Net interest margin | 2.4732% | 6,538 |
| Noninterest income to average assets | 0.7543% | 2,318 |
| Noninterest expense to average assets | 3.1647% | 2,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2901% | 6,570 |
| Return on assets (ROA) | -0.2812% | 6,600 |
| Pretax return on assets | -0.2812% | 6,594 |
| Return on Equity (ROE) | -3.3318% | 6,624 |
| Retained earnings to average equity (ytd only) | -3.3318% | 6,216 |
| Net charge-offs to loans | -0.0600% | 6,215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0932% | 325 |
| Assets per employee ($millions) | 2.5034% | 6,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0674% | 272 |
| Loan loss allowance to noncurrent loans | 131.4010% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 2.3665% | 1,968 |
| Noncurrent loans to loans | 3.0954% | 1,607 |
| Net loans and leases to total assets | 27.7039% | 6,673 |
| Net loans and leases to deposits | 30.2928% | 6,739 |
| Net loans and leases to core deposits | 31.4096% | 6,736 |
| Total domestic deposits to total assets | 91.4538% | 365 |
| Equity capital to assets | 8.0820% | 6,340 |
| Core capital (leverage) ratio | 8.0099% | 6,134 |
| Tier 1 risk-based capital ratio | 17.5255% | 2,550 |
| Total risk-based capital ratio | 18.7937% | 2,509 |
| Memoranda: | ||
| Average total assets | $89,614,000 | 5,108 |
| Average earning assets | $76,822,500 | 5,242 |
| Average equity | $7,563,500 | 5,615 |
| Average total loans | $26,673,000 | 6,039 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2289% | 6,647 |
| Cost of funding earning assets | 0.3246% | 6,337 |
| Net interest margin | 2.9043% | 6,216 |
| Noninterest income to average assets | 0.7403% | 2,543 |
| Noninterest expense to average assets | 3.4255% | 1,998 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.1966% | 6,376 |
| Return on assets (ROA) | -0.0080% | 6,313 |
| Pretax return on assets | -0.0080% | 6,292 |
| Return on Equity (ROE) | -0.0909% | 6,316 |
| Retained earnings to average equity (ytd only) | -0.0909% | 5,863 |
| Net charge-offs to loans | 0.4778% | 2,329 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -1.2955% | 5,784 |
| Efficiency ratio | 106.0876% | 410 |
| Assets per employee ($millions) | 2.3406% | 6,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0756% | 270 |
| Loan loss allowance to noncurrent loans | 122.4859% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 2.8960% | 1,642 |
| Noncurrent loans to loans | 3.3274% | 1,535 |
| Net loans and leases to total assets | 29.4601% | 6,713 |
| Net loans and leases to deposits | 32.4779% | 6,777 |
| Net loans and leases to core deposits | 33.8985% | 6,771 |
| Total domestic deposits to total assets | 90.7081% | 612 |
| Equity capital to assets | 8.8231% | 5,724 |
| Core capital (leverage) ratio | 8.1981% | 6,002 |
| Tier 1 risk-based capital ratio | 18.5478% | 2,090 |
| Total risk-based capital ratio | 19.8171% | 2,048 |
| Memoranda: | ||
| Average total assets | $86,994,600 | 5,161 |
| Average earning assets | $74,545,200 | 5,294 |
| Average equity | $7,702,000 | 5,582 |
| Average total loans | $27,624,000 | 6,051 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2894% | 6,735 |
| Cost of funding earning assets | 0.3297% | 6,468 |
| Net interest margin | 2.9598% | 6,252 |
| Noninterest income to average assets | 0.7471% | 2,500 |
| Noninterest expense to average assets | 3.4629% | 1,853 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.1730% | 6,480 |
| Return on assets (ROA) | -0.0260% | 6,434 |
| Pretax return on assets | -0.0260% | 6,421 |
| Return on Equity (ROE) | -0.2938% | 6,440 |
| Retained earnings to average equity (ytd only) | -0.2938% | 6,139 |
| Net charge-offs to loans | 0.6982% | 1,580 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.7740% | 5,550 |
| Efficiency ratio | 105.2583% | 400 |
| Assets per employee ($millions) | 2.3359% | 6,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9507% | 323 |
| Loan loss allowance to noncurrent loans | 102.1968% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 3.1217% | 1,659 |
| Noncurrent loans to loans | 3.8658% | 1,344 |
| Net loans and leases to total assets | 29.3066% | 6,836 |
| Net loans and leases to deposits | 32.5252% | 6,898 |
| Net loans and leases to core deposits | 33.9258% | 6,903 |
| Total domestic deposits to total assets | 90.1042% | 793 |
| Equity capital to assets | 8.7163% | 6,090 |
| Core capital (leverage) ratio | 8.3479% | 5,948 |
| Tier 1 risk-based capital ratio | 18.1199% | 2,294 |
| Total risk-based capital ratio | 19.3902% | 2,263 |
| Memoranda: | ||
| Average total assets | $87,092,750 | 5,207 |
| Average earning assets | $74,823,750 | 5,331 |
| Average equity | $7,717,250 | 5,639 |
| Average total loans | $27,880,750 | 6,116 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3598% | 6,766 |
| Cost of funding earning assets | 0.3397% | 6,557 |
| Net interest margin | 3.0201% | 6,198 |
| Noninterest income to average assets | 0.6310% | 3,069 |
| Noninterest expense to average assets | 3.3374% | 2,191 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0971% | 6,430 |
| Return on assets (ROA) | 0.1017% | 6,309 |
| Pretax return on assets | 0.1017% | 6,326 |
| Return on Equity (ROE) | 1.1413% | 6,271 |
| Retained earnings to average equity (ytd only) | 1.1413% | 5,615 |
| Net charge-offs to loans | 0.8882% | 1,240 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.3360% | 5,197 |
| Efficiency ratio | 102.9957% | 460 |
| Assets per employee ($millions) | 2.3316% | 6,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0648% | 325 |
| Loan loss allowance to noncurrent loans | 75.0860% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 4.1185% | 1,220 |
| Noncurrent loans to loans | 5.4136% | 861 |
| Net loans and leases to total assets | 29.8473% | 6,874 |
| Net loans and leases to deposits | 33.2258% | 6,936 |
| Net loans and leases to core deposits | 34.7045% | 6,946 |
| Total domestic deposits to total assets | 89.8318% | 1,024 |
| Equity capital to assets | 8.9940% | 5,707 |
| Core capital (leverage) ratio | 8.3089% | 5,898 |
| Tier 1 risk-based capital ratio | 17.9977% | 2,289 |
| Total risk-based capital ratio | 19.2671% | 2,257 |
| Memoranda: | ||
| Average total assets | $86,535,330 | 5,263 |
| Average earning assets | $74,766,670 | 5,369 |
| Average equity | $7,710,670 | 5,651 |
| Average total loans | $28,146,330 | 6,145 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4683% | 6,733 |
| Cost of funding earning assets | 0.3614% | 6,594 |
| Net interest margin | 3.1069% | 6,018 |
| Noninterest income to average assets | 0.6508% | 2,925 |
| Noninterest expense to average assets | 3.2399% | 2,473 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0554% | 6,322 |
| Return on assets (ROA) | 0.3508% | 5,649 |
| Pretax return on assets | 0.4338% | 5,634 |
| Return on Equity (ROE) | 3.9550% | 5,314 |
| Retained earnings to average equity (ytd only) | 3.9550% | 4,210 |
| Net charge-offs to loans | -0.6667% | 7,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9079% | 639 |
| Assets per employee ($millions) | 2.5550% | 6,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4723% | 252 |
| Loan loss allowance to noncurrent loans | 93.9777% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 2.8723% | 2,029 |
| Noncurrent loans to loans | 4.7589% | 1,200 |
| Net loans and leases to total assets | 29.3528% | 6,933 |
| Net loans and leases to deposits | 32.3970% | 7,002 |
| Net loans and leases to core deposits | 33.9653% | 6,994 |
| Total domestic deposits to total assets | 90.6035% | 747 |
| Equity capital to assets | 8.3050% | 6,268 |
| Core capital (leverage) ratio | 8.1366% | 6,109 |
| Tier 1 risk-based capital ratio | 17.3455% | 2,532 |
| Total risk-based capital ratio | 18.6178% | 2,494 |
| Memoranda: | ||
| Average total assets | $86,668,500 | 5,299 |
| Average earning assets | $74,158,000 | 5,427 |
| Average equity | $7,686,500 | 5,688 |
| Average total loans | $28,799,500 | 6,172 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9862% | 6,480 |
| Cost of funding earning assets | 0.5682% | 6,251 |
| Net interest margin | 3.4180% | 5,432 |
| Noninterest income to average assets | 0.6684% | 2,790 |
| Noninterest expense to average assets | 3.8163% | 1,314 |
| Loan and lease loss provision to assets | -0.0207% | 7,224 |
| Net operating income to assets | -0.3025% | 6,347 |
| Return on assets (ROA) | -0.1073% | 6,245 |
| Pretax return on assets | -0.1073% | 6,218 |
| Return on Equity (ROE) | -1.1392% | 6,257 |
| Retained earnings to average equity (ytd only) | -1.1392% | 6,029 |
| Net charge-offs to loans | 1.0804% | 1,597 |
| Credit loss provision to net charge-offs | -4.8571% | 6,603 |
| Earnings coverage of net charge-offs (x) | -0.7571% | 6,150 |
| Efficiency ratio | 109.2528% | 448 |
| Assets per employee ($millions) | 2.1988% | 7,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1451% | 345 |
| Loan loss allowance to noncurrent loans | 85.0945% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 4.1411% | 1,376 |
| Noncurrent loans to loans | 4.8711% | 1,181 |
| Net loans and leases to total assets | 34.5641% | 6,845 |
| Net loans and leases to deposits | 38.7408% | 6,931 |
| Net loans and leases to core deposits | 40.5813% | 6,926 |
| Total domestic deposits to total assets | 89.2190% | 1,410 |
| Equity capital to assets | 9.5064% | 4,881 |
| Core capital (leverage) ratio | 8.8416% | 5,035 |
| Tier 1 risk-based capital ratio | 17.5784% | 2,355 |
| Total risk-based capital ratio | 18.8507% | 2,315 |
| Memoranda: | ||
| Average total assets | $81,990,800 | 5,406 |
| Average earning assets | $67,758,000 | 5,623 |
| Average equity | $7,724,800 | 5,658 |
| Average total loans | $32,395,800 | 6,049 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0692% | 6,473 |
| Cost of funding earning assets | 0.6140% | 6,219 |
| Net interest margin | 3.4552% | 5,372 |
| Noninterest income to average assets | 0.6736% | 2,748 |
| Noninterest expense to average assets | 3.5284% | 1,862 |
| Loan and lease loss provision to assets | 0.5405% | 1,821 |
| Net operating income to assets | -0.5551% | 6,665 |
| Return on assets (ROA) | -0.2986% | 6,551 |
| Pretax return on assets | -0.2986% | 6,491 |
| Return on Equity (ROE) | -3.1768% | 6,572 |
| Retained earnings to average equity (ytd only) | -3.1768% | 6,437 |
| Net charge-offs to loans | 0.4946% | 2,773 |
| Credit loss provision to net charge-offs | 270.7317% | 1,058 |
| Earnings coverage of net charge-offs (x) | -0.0732% | 5,643 |
| Efficiency ratio | 100.4157% | 647 |
| Assets per employee ($millions) | 2.1729% | 7,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7801% | 109 |
| Loan loss allowance to noncurrent loans | 133.2342% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 4.6719% | 1,270 |
| Noncurrent loans to loans | 4.3383% | 1,507 |
| Net loans and leases to total assets | 36.3339% | 6,852 |
| Net loans and leases to deposits | 40.8157% | 6,949 |
| Net loans and leases to core deposits | 43.4242% | 6,938 |
| Total domestic deposits to total assets | 89.0194% | 1,425 |
| Equity capital to assets | 9.6050% | 4,928 |
| Core capital (leverage) ratio | 8.6338% | 5,500 |
| Tier 1 risk-based capital ratio | 16.1810% | 3,022 |
| Total risk-based capital ratio | 17.4679% | 2,969 |
| Memoranda: | ||
| Average total assets | $82,149,500 | 5,433 |
| Average earning assets | $67,529,750 | 5,667 |
| Average equity | $7,722,500 | 5,690 |
| Average total loans | $33,160,750 | 6,059 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0305% | 6,612 |
| Cost of funding earning assets | 0.6669% | 6,136 |
| Net interest margin | 3.3637% | 5,667 |
| Noninterest income to average assets | 0.6745% | 2,684 |
| Noninterest expense to average assets | 3.6817% | 1,566 |
| Loan and lease loss provision to assets | 0.8050% | 1,141 |
| Net operating income to assets | -1.0443% | 6,953 |
| Return on assets (ROA) | -1.0443% | 6,964 |
| Pretax return on assets | -1.0443% | 6,909 |
| Return on Equity (ROE) | -11.1878% | 6,970 |
| Retained earnings to average equity (ytd only) | -11.1878% | 6,916 |
| Net charge-offs to loans | 0.5844% | 2,359 |
| Credit loss provision to net charge-offs | 336.3636% | 905 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 5,629 |
| Efficiency ratio | 106.9522% | 537 |
| Assets per employee ($millions) | 2.2259% | 7,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6204% | 135 |
| Loan loss allowance to noncurrent loans | 94.3377% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 5.3268% | 1,129 |
| Noncurrent loans to loans | 5.9577% | 1,009 |
| Net loans and leases to total assets | 37.0278% | 6,906 |
| Net loans and leases to deposits | 41.3677% | 7,021 |
| Net loans and leases to core deposits | 44.9971% | 6,977 |
| Total domestic deposits to total assets | 89.5091% | 1,233 |
| Equity capital to assets | 9.1334% | 5,380 |
| Core capital (leverage) ratio | 9.0032% | 4,721 |
| Tier 1 risk-based capital ratio | 15.7076% | 3,121 |
| Total risk-based capital ratio | 16.9909% | 3,088 |
| Memoranda: | ||
| Average total assets | $82,734,000 | 5,464 |
| Average earning assets | $68,080,330 | 5,691 |
| Average equity | $7,722,670 | 5,694 |
| Average total loans | $33,880,000 | 6,083 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0089% | 6,685 |
| Cost of funding earning assets | 0.7263% | 5,993 |
| Net interest margin | 3.2827% | 5,832 |
| Noninterest income to average assets | 0.6753% | 2,702 |
| Noninterest expense to average assets | 3.4201% | 2,222 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0193% | 6,376 |
| Return on assets (ROA) | -0.0193% | 6,399 |
| Pretax return on assets | -0.0193% | 6,379 |
| Return on Equity (ROE) | -0.2045% | 6,402 |
| Retained earnings to average equity (ytd only) | -0.2045% | 5,824 |
| Net charge-offs to loans | 0.6116% | 1,973 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.0755% | 4,634 |
| Efficiency ratio | 100.5674% | 716 |
| Assets per employee ($millions) | 2.1815% | 7,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6093% | 263 |
| Loan loss allowance to noncurrent loans | 92.8919% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 5.6581% | 1,052 |
| Noncurrent loans to loans | 4.9620% | 1,363 |
| Net loans and leases to total assets | 39.2029% | 6,837 |
| Net loans and leases to deposits | 44.1220% | 6,950 |
| Net loans and leases to core deposits | 47.7522% | 6,886 |
| Total domestic deposits to total assets | 88.8510% | 1,869 |
| Equity capital to assets | 9.7205% | 4,147 |
| Core capital (leverage) ratio | 8.6141% | 5,244 |
| Tier 1 risk-based capital ratio | 16.3239% | 2,741 |
| Total risk-based capital ratio | 17.5997% | 2,698 |
| Memoranda: | ||
| Average total assets | $82,922,500 | 5,498 |
| Average earning assets | $68,846,500 | 5,703 |
| Average equity | $7,823,000 | 5,672 |
| Average total loans | $34,664,500 | 6,095 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 6,366 |
| Cost of funding earning assets | 0.9106% | 6,130 |
| Net interest margin | 3.6022% | 4,810 |
| Noninterest income to average assets | 0.6580% | 3,098 |
| Noninterest expense to average assets | 3.6085% | 1,901 |
| Loan and lease loss provision to assets | 3.5782% | 212 |
| Net operating income to assets | -2.3507% | 7,151 |
| Return on assets (ROA) | -2.3507% | 7,160 |
| Pretax return on assets | -3.4246% | 7,353 |
| Return on Equity (ROE) | -22.5314% | 7,085 |
| Retained earnings to average equity (ytd only) | -22.5314% | 7,063 |
| Net charge-offs to loans | 5.4311% | 142 |
| Credit loss provision to net charge-offs | 132.1739% | 2,976 |
| Earnings coverage of net charge-offs (x) | 0.0567% | 6,058 |
| Efficiency ratio | 95.9178% | 974 |
| Assets per employee ($millions) | 2.3008% | 7,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3754% | 290 |
| Loan loss allowance to noncurrent loans | 166.5263% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 4.4215% | 1,507 |
| Noncurrent loans to loans | 2.6274% | 2,895 |
| Net loans and leases to total assets | 40.6148% | 6,927 |
| Net loans and leases to deposits | 45.4390% | 7,061 |
| Net loans and leases to core deposits | 52.1619% | 6,903 |
| Total domestic deposits to total assets | 89.3832% | 1,445 |
| Equity capital to assets | 9.1626% | 4,894 |
| Core capital (leverage) ratio | 8.7183% | 4,985 |
| Tier 1 risk-based capital ratio | 15.3792% | 3,052 |
| Total risk-based capital ratio | 16.6536% | 3,003 |
| Memoranda: | ||
| Average total assets | $89,206,200 | 5,317 |
| Average earning assets | $76,869,600 | 5,448 |
| Average equity | $9,307,000 | 5,326 |
| Average total loans | $44,466,000 | 5,727 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6153% | 6,293 |
| Cost of funding earning assets | 0.9217% | 6,301 |
| Net interest margin | 3.6936% | 4,433 |
| Noninterest income to average assets | 0.6295% | 3,259 |
| Noninterest expense to average assets | 3.1328% | 3,180 |
| Loan and lease loss provision to assets | 2.8668% | 322 |
| Net operating income to assets | -1.0640% | 6,932 |
| Return on assets (ROA) | -1.0640% | 6,969 |
| Pretax return on assets | -2.1664% | 7,237 |
| Return on Equity (ROE) | -9.9133% | 6,924 |
| Retained earnings to average equity (ytd only) | -9.9133% | 6,874 |
| Net charge-offs to loans | 4.7954% | 192 |
| Credit loss provision to net charge-offs | 115.8901% | 3,598 |
| Earnings coverage of net charge-offs (x) | 0.2832% | 5,744 |
| Efficiency ratio | 81.7271% | 2,091 |
| Assets per employee ($millions) | 2.3176% | 7,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6137% | 1,188 |
| Loan loss allowance to noncurrent loans | 36.3914% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 5.2255% | 1,204 |
| Noncurrent loans to loans | 7.1821% | 762 |
| Net loans and leases to total assets | 46.5360% | 6,651 |
| Net loans and leases to deposits | 53.1747% | 6,823 |
| Net loans and leases to core deposits | 61.1474% | 6,529 |
| Total domestic deposits to total assets | 87.5153% | 2,253 |
| Equity capital to assets | 11.0130% | 2,950 |
| Core capital (leverage) ratio | 10.2542% | 2,984 |
| Tier 1 risk-based capital ratio | 17.1740% | 2,283 |
| Total risk-based capital ratio | 18.4344% | 2,243 |
| Memoranda: | ||
| Average total assets | $90,225,500 | 5,350 |
| Average earning assets | $78,259,750 | 5,475 |
| Average equity | $9,683,750 | 5,292 |
| Average total loans | $46,543,250 | 5,701 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7081% | 6,120 |
| Cost of funding earning assets | 0.9426% | 6,414 |
| Net interest margin | 3.7655% | 4,066 |
| Noninterest income to average assets | 0.6324% | 3,112 |
| Noninterest expense to average assets | 3.0769% | 3,407 |
| Loan and lease loss provision to assets | 2.7585% | 385 |
| Net operating income to assets | -1.0685% | 6,975 |
| Return on assets (ROA) | -1.0685% | 6,990 |
| Pretax return on assets | -1.9190% | 7,213 |
| Return on Equity (ROE) | -10.0372% | 6,970 |
| Retained earnings to average equity (ytd only) | -10.0372% | 6,919 |
| Net charge-offs to loans | 4.2894% | 285 |
| Credit loss provision to net charge-offs | 121.8690% | 3,322 |
| Earnings coverage of net charge-offs (x) | 0.3709% | 5,367 |
| Efficiency ratio | 78.5635% | 2,647 |
| Assets per employee ($millions) | 2.3073% | 7,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3408% | 1,524 |
| Loan loss allowance to noncurrent loans | 37.0424% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 4.0638% | 1,684 |
| Noncurrent loans to loans | 6.3193% | 972 |
| Net loans and leases to total assets | 49.1069% | 6,531 |
| Net loans and leases to deposits | 56.1804% | 6,713 |
| Net loans and leases to core deposits | 68.8902% | 5,981 |
| Total domestic deposits to total assets | 87.4093% | 2,318 |
| Equity capital to assets | 10.9357% | 2,934 |
| Core capital (leverage) ratio | 10.1384% | 3,010 |
| Tier 1 risk-based capital ratio | 16.8538% | 2,340 |
| Total risk-based capital ratio | 18.1111% | 2,285 |
| Memoranda: | ||
| Average total assets | $91,716,330 | 5,330 |
| Average earning assets | $79,990,000 | 5,442 |
| Average equity | $9,763,670 | 5,269 |
| Average total loans | $48,398,670 | 5,672 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6748% | 6,331 |
| Cost of funding earning assets | 0.9804% | 6,462 |
| Net interest margin | 3.6945% | 4,270 |
| Noninterest income to average assets | 0.6358% | 3,034 |
| Noninterest expense to average assets | 2.9018% | 4,051 |
| Loan and lease loss provision to assets | 2.4964% | 425 |
| Net operating income to assets | -1.6557% | 7,375 |
| Return on assets (ROA) | -1.6557% | 7,379 |
| Pretax return on assets | -1.4978% | 7,258 |
| Return on Equity (ROE) | -15.7539% | 7,333 |
| Retained earnings to average equity (ytd only) | -15.7539% | 7,236 |
| Net charge-offs to loans | 0.1345% | 4,141 |
| Credit loss provision to net charge-offs | 3,441.1765% | 138 |
| Earnings coverage of net charge-offs (x) | 13.7647% | 1,472 |
| Efficiency ratio | 74.3982% | 3,512 |
| Assets per employee ($millions) | 2.6179% | 7,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8096% | 975 |
| Loan loss allowance to noncurrent loans | 159.9068% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 1.4194% | 4,381 |
| Noncurrent loans to loans | 1.7570% | 4,114 |
| Net loans and leases to total assets | 47.7081% | 6,701 |
| Net loans and leases to deposits | 53.7515% | 6,932 |
| Net loans and leases to core deposits | 62.2594% | 6,578 |
| Total domestic deposits to total assets | 88.7568% | 1,638 |
| Equity capital to assets | 9.7294% | 4,191 |
| Core capital (leverage) ratio | 9.7355% | 3,470 |
| Tier 1 risk-based capital ratio | 15.4502% | 2,890 |
| Total risk-based capital ratio | 16.7119% | 2,836 |
| Memoranda: | ||
| Average total assets | $93,736,500 | 5,328 |
| Average earning assets | $82,826,500 | 5,405 |
| Average equity | $9,851,500 | 5,284 |
| Average total loans | $50,554,500 | 5,646 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3422% | 4,973 |
| Cost of funding earning assets | 1.2041% | 6,647 |
| Net interest margin | 4.1381% | 2,292 |
| Noninterest income to average assets | 0.7307% | 2,782 |
| Noninterest expense to average assets | 3.4876% | 2,402 |
| Loan and lease loss provision to assets | 0.8576% | 2,593 |
| Net operating income to assets | 0.1910% | 4,927 |
| Return on assets (ROA) | 0.1910% | 4,998 |
| Pretax return on assets | 0.0480% | 5,336 |
| Return on Equity (ROE) | 1.6733% | 5,029 |
| Retained earnings to average equity (ytd only) | 1.0721% | 4,291 |
| Net charge-offs to loans | 0.8559% | 2,688 |
| Credit loss provision to net charge-offs | 166.6667% | 2,597 |
| Earnings coverage of net charge-offs (x) | 1.7600% | 4,405 |
| Efficiency ratio | 79.3857% | 2,977 |
| Assets per employee ($millions) | 1.9998% | 7,728 |
| Cash dividends to net income (ytd only)* | 35.9281% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 3,527 |
| Loan loss allowance to noncurrent loans | 79.7030% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.7934% | 3,676 |
| Noncurrent loans to loans | 1.9321% | 3,753 |
| Net loans and leases to total assets | 58.4958% | 5,580 |
| Net loans and leases to deposits | 67.3334% | 5,909 |
| Net loans and leases to core deposits | 90.9382% | 5,022 |
| Total domestic deposits to total assets | 86.8748% | 2,574 |
| Equity capital to assets | 11.3921% | 2,400 |
| Core capital (leverage) ratio | 10.7932% | 2,350 |
| Tier 1 risk-based capital ratio | 15.8061% | 2,603 |
| Total risk-based capital ratio | 17.0569% | 2,537 |
| Memoranda: | ||
| Average total assets | $87,452,600 | 5,468 |
| Average earning assets | $77,402,800 | 5,549 |
| Average equity | $9,980,000 | 5,300 |
| Average total loans | $52,573,800 | 5,563 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3335% | 5,254 |
| Cost of funding earning assets | 1.2206% | 6,834 |
| Net interest margin | 4.1129% | 2,342 |
| Noninterest income to average assets | 0.7253% | 2,849 |
| Noninterest expense to average assets | 3.3776% | 2,641 |
| Loan and lease loss provision to assets | 0.5039% | 3,373 |
| Net operating income to assets | 0.3878% | 4,449 |
| Return on assets (ROA) | 0.3878% | 4,549 |
| Pretax return on assets | 0.4917% | 4,544 |
| Return on Equity (ROE) | 3.3971% | 4,623 |
| Retained earnings to average equity (ytd only) | 2.5946% | 3,867 |
| Net charge-offs to loans | 0.5875% | 2,913 |
| Credit loss provision to net charge-offs | 142.2414% | 3,443 |
| Earnings coverage of net charge-offs (x) | 2.8103% | 3,813 |
| Efficiency ratio | 77.2346% | 3,279 |
| Assets per employee ($millions) | 2.1874% | 7,626 |
| Cash dividends to net income (ytd only)* | 23.6225% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 5,644 |
| Loan loss allowance to noncurrent loans | 86.5136% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.9823% | 5,097 |
| Noncurrent loans to loans | 1.2869% | 4,789 |
| Net loans and leases to total assets | 59.7190% | 5,622 |
| Net loans and leases to deposits | 68.9181% | 6,035 |
| Net loans and leases to core deposits | 92.1604% | 5,217 |
| Total domestic deposits to total assets | 86.6522% | 2,354 |
| Equity capital to assets | 11.3241% | 2,727 |
| Core capital (leverage) ratio | 10.8385% | 2,537 |
| Tier 1 risk-based capital ratio | 15.7246% | 2,730 |
| Total risk-based capital ratio | 16.6855% | 2,796 |
| Memoranda: | ||
| Average total assets | $87,318,000 | 5,505 |
| Average earning assets | $77,445,750 | 5,576 |
| Average equity | $9,969,000 | 5,347 |
| Average total loans | $52,648,250 | 5,606 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3783% | 5,258 |
| Cost of funding earning assets | 1.2407% | 6,991 |
| Net interest margin | 4.1376% | 2,207 |
| Noninterest income to average assets | 0.7188% | 2,873 |
| Noninterest expense to average assets | 3.3653% | 2,739 |
| Loan and lease loss provision to assets | 0.4045% | 3,503 |
| Net operating income to assets | 0.5016% | 4,082 |
| Return on assets (ROA) | 0.5016% | 4,203 |
| Pretax return on assets | 0.6102% | 4,293 |
| Return on Equity (ROE) | 4.3809% | 4,349 |
| Retained earnings to average equity (ytd only) | 3.5734% | 3,313 |
| Net charge-offs to loans | 0.6214% | 2,480 |
| Credit loss provision to net charge-offs | 108.0247% | 4,278 |
| Earnings coverage of net charge-offs (x) | 2.7099% | 3,727 |
| Efficiency ratio | 76.8338% | 3,534 |
| Assets per employee ($millions) | 2.0982% | 7,773 |
| Cash dividends to net income (ytd only)* | 18.4332% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 6,305 |
| Loan loss allowance to noncurrent loans | 321.7391% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.4732% | 6,256 |
| Noncurrent loans to loans | 0.3087% | 6,738 |
| Net loans and leases to total assets | 58.5976% | 5,888 |
| Net loans and leases to deposits | 67.5616% | 6,244 |
| Net loans and leases to core deposits | 89.5374% | 5,569 |
| Total domestic deposits to total assets | 86.7322% | 2,386 |
| Equity capital to assets | 11.3137% | 2,669 |
| Core capital (leverage) ratio | 10.8049% | 2,560 |
| Tier 1 risk-based capital ratio | 16.5207% | 2,440 |
| Total risk-based capital ratio | 17.3896% | 2,525 |
| Memoranda: | ||
| Average total assets | $86,529,000 | 5,568 |
| Average earning assets | $76,567,000 | 5,655 |
| Average equity | $9,906,670 | 5,385 |
| Average total loans | $52,143,670 | 5,670 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4005% | 5,426 |
| Cost of funding earning assets | 1.2312% | 7,226 |
| Net interest margin | 4.1693% | 2,012 |
| Noninterest income to average assets | 0.7092% | 2,832 |
| Noninterest expense to average assets | 3.2987% | 2,659 |
| Loan and lease loss provision to assets | 0.2566% | 3,909 |
| Net operating income to assets | 0.6532% | 3,783 |
| Return on assets (ROA) | 0.6532% | 3,967 |
| Pretax return on assets | 0.8352% | 3,955 |
| Return on Equity (ROE) | 5.6709% | 4,185 |
| Retained earnings to average equity (ytd only) | 4.8608% | 3,206 |
| Net charge-offs to loans | 1.0587% | 1,280 |
| Credit loss provision to net charge-offs | 39.8551% | 4,823 |
| Earnings coverage of net charge-offs (x) | 1.6957% | 3,880 |
| Efficiency ratio | 75.1328% | 3,634 |
| Assets per employee ($millions) | 2.3466% | 7,533 |
| Cash dividends to net income (ytd only)* | 14.2857% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8180% | 7,089 |
| Loan loss allowance to noncurrent loans | 131.4642% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.5737% | 5,749 |
| Noncurrent loans to loans | 0.6222% | 5,845 |
| Net loans and leases to total assets | 55.9098% | 6,249 |
| Net loans and leases to deposits | 64.2624% | 6,539 |
| Net loans and leases to core deposits | 82.2541% | 6,220 |
| Total domestic deposits to total assets | 87.0024% | 2,215 |
| Equity capital to assets | 10.9575% | 3,002 |
| Core capital (leverage) ratio | 10.9692% | 2,523 |
| Tier 1 risk-based capital ratio | 16.0058% | 2,687 |
| Total risk-based capital ratio | 16.6955% | 2,809 |
| Memoranda: | ||
| Average total assets | $85,732,000 | 5,616 |
| Average earning assets | $75,696,000 | 5,708 |
| Average equity | $9,875,000 | 5,420 |
| Average total loans | $52,137,500 | 5,709 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3293% | 3,796 |
| Cost of funding earning assets | 1.6526% | 7,349 |
| Net interest margin | 4.6768% | 1,016 |
| Noninterest income to average assets | 0.7893% | 2,578 |
| Noninterest expense to average assets | 3.6586% | 2,028 |
| Loan and lease loss provision to assets | 0.2717% | 4,221 |
| Net operating income to assets | 0.7347% | 3,740 |
| Return on assets (ROA) | 0.7497% | 3,509 |
| Pretax return on assets | 0.9288% | 3,628 |
| Return on Equity (ROE) | 6.4283% | 3,787 |
| Retained earnings to average equity (ytd only) | 5.2634% | 1,878 |
| Net charge-offs to loans | 0.7250% | 1,702 |
| Credit loss provision to net charge-offs | 64.8968% | 6,165 |
| Earnings coverage of net charge-offs (x) | 2.8230% | 4,667 |
| Efficiency ratio | 75.5805% | 3,312 |
| Assets per employee ($millions) | 1.9987% | 7,911 |
| Cash dividends to net income (ytd only)* | 18.1219% | 4,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9585% | 6,357 |
| Loan loss allowance to noncurrent loans | 257.6531% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 5,865 |
| Noncurrent loans to loans | 0.3720% | 6,240 |
| Net loans and leases to total assets | 65.2695% | 4,995 |
| Net loans and leases to deposits | 78.1855% | 5,314 |
| Net loans and leases to core deposits | 98.6968% | 4,966 |
| Total domestic deposits to total assets | 83.4803% | 3,581 |
| Equity capital to assets | 12.1606% | 2,183 |
| Core capital (leverage) ratio | 11.6451% | 2,161 |
| Tier 1 risk-based capital ratio | 16.3520% | 2,535 |
| Total risk-based capital ratio | 17.2056% | 2,626 |
| Memoranda: | ||
| Average total assets | $80,960,400 | 5,666 |
| Average earning assets | $70,133,600 | 5,814 |
| Average equity | $9,442,600 | 5,587 |
| Average total loans | $46,758,800 | 5,833 |