Home > Merchants Bank > Performance and Condition Ratios
Merchants Bank, Performance and Condition Ratios
| 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 | 4.6594% | 2,350 |
| Cost of funding earning assets | 0.5879% | 3,637 |
| Net interest margin | 4.0715% | 1,635 |
| Noninterest income to average assets | 0.7126% | 1,567 |
| Noninterest expense to average assets | 6.2425% | 127 |
| Loan and lease loss provision to assets | 0.4391% | 252 |
| Net operating income to assets | -2.1684% | 5,322 |
| Return on assets (ROA) | -2.1684% | 5,322 |
| Pretax return on assets | -2.2674% | 5,317 |
| Return on Equity (ROE) | -21.5049% | 5,336 |
| Retained earnings to average equity (ytd only) | -127.6731% | 5,353 |
| Net charge-offs to loans | 0.1670% | 814 |
| Credit loss provision to net charge-offs | 381.2500% | 713 |
| Earnings coverage of net charge-offs (x) | -15.8750% | 2,724 |
| Efficiency ratio | 141.4187% | 47 |
| Assets per employee ($millions) | 4.3299% | 3,452 |
| Cash dividends to net income (ytd only)* | -493.6929% | 5,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 3,138 |
| Loan loss allowance to noncurrent loans | 76.8670% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.3662% | 930 |
| Noncurrent loans to loans | 1.4287% | 1,135 |
| Net loans and leases to total assets | 67.5159% | 2,825 |
| Net loans and leases to deposits | 74.0538% | 3,448 |
| Net loans and leases to core deposits | 78.0351% | 3,519 |
| Total domestic deposits to total assets | 91.1713% | 135 |
| Equity capital to assets | 8.4529% | 5,018 |
| Core capital (leverage) ratio | 8.8873% | 4,733 |
| Tier 1 risk-based capital ratio | 11.8138% | 4,561 |
| Total risk-based capital ratio | 12.8278% | 4,582 |
| Memoranda: | ||
| Average total assets | $222,282,000 | 2,707 |
| Average earning assets | $202,087,500 | 2,743 |
| Average equity | $22,413,500 | 2,931 |
| Average total loans | $153,291,000 | 2,656 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6626% | 1,948 |
| Cost of funding earning assets | 0.5451% | 3,080 |
| Net interest margin | 4.1175% | 1,627 |
| Noninterest income to average assets | 0.7868% | 1,488 |
| Noninterest expense to average assets | 3.5119% | 983 |
| Loan and lease loss provision to assets | 0.0133% | 3,880 |
| Net operating income to assets | 0.9511% | 3,229 |
| Return on assets (ROA) | 0.9511% | 3,223 |
| Pretax return on assets | 1.0178% | 3,545 |
| Return on Equity (ROE) | 8.3599% | 3,294 |
| Retained earnings to average equity (ytd only) | 6.5061% | 1,919 |
| Net charge-offs to loans | 0.0317% | 2,767 |
| Credit loss provision to net charge-offs | 61.7021% | 3,083 |
| Earnings coverage of net charge-offs (x) | 47.9574% | 1,163 |
| Efficiency ratio | 77.3034% | 1,202 |
| Assets per employee ($millions) | 3.8493% | 4,103 |
| Cash dividends to net income (ytd only)* | 22.1741% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 3,777 |
| Loan loss allowance to noncurrent loans | 57.8221% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 1.6353% | 675 |
| Noncurrent loans to loans | 1.7059% | 845 |
| Net loans and leases to total assets | 68.9902% | 2,730 |
| Net loans and leases to deposits | 78.5838% | 3,097 |
| Net loans and leases to core deposits | 83.6901% | 3,120 |
| Total domestic deposits to total assets | 87.7919% | 1,393 |
| Equity capital to assets | 11.7565% | 2,060 |
| Core capital (leverage) ratio | 12.2698% | 1,573 |
| Tier 1 risk-based capital ratio | 16.1169% | 2,368 |
| Total risk-based capital ratio | 17.0231% | 2,423 |
| Memoranda: | ||
| Average total assets | $218,600,400 | 2,703 |
| Average earning assets | $199,415,800 | 2,726 |
| Average equity | $24,868,800 | 2,650 |
| Average total loans | $148,487,800 | 2,663 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5845% | 2,022 |
| Cost of funding earning assets | 0.5298% | 2,996 |
| Net interest margin | 4.0547% | 1,773 |
| Noninterest income to average assets | 0.8083% | 1,444 |
| Noninterest expense to average assets | 3.3455% | 1,207 |
| Loan and lease loss provision to assets | 0.0195% | 3,616 |
| Net operating income to assets | 1.0873% | 2,725 |
| Return on assets (ROA) | 1.0873% | 2,734 |
| Pretax return on assets | 1.1483% | 3,203 |
| Return on Equity (ROE) | 9.6383% | 2,783 |
| Retained earnings to average equity (ytd only) | 7.1435% | 2,054 |
| Net charge-offs to loans | 0.0145% | 2,904 |
| Credit loss provision to net charge-offs | 200.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 119.5781% | 658 |
| Efficiency ratio | 74.1242% | 1,577 |
| Assets per employee ($millions) | 3.6920% | 4,318 |
| Cash dividends to net income (ytd only)* | 25.8843% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 3,680 |
| Loan loss allowance to noncurrent loans | 62.5406% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.2545% | 1,107 |
| Noncurrent loans to loans | 1.6196% | 979 |
| Net loans and leases to total assets | 67.9811% | 2,943 |
| Net loans and leases to deposits | 77.0212% | 3,320 |
| Net loans and leases to core deposits | 81.7674% | 3,343 |
| Total domestic deposits to total assets | 88.2629% | 1,135 |
| Equity capital to assets | 11.3318% | 2,373 |
| Core capital (leverage) ratio | 12.1563% | 1,687 |
| Tier 1 risk-based capital ratio | 16.1043% | 2,407 |
| Total risk-based capital ratio | 17.0400% | 2,466 |
| Memoranda: | ||
| Average total assets | $218,397,750 | 2,722 |
| Average earning assets | $199,565,000 | 2,741 |
| Average equity | $24,637,250 | 2,679 |
| Average total loans | $147,389,750 | 2,688 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5359% | 1,976 |
| Cost of funding earning assets | 0.5150% | 2,896 |
| Net interest margin | 4.0210% | 1,788 |
| Noninterest income to average assets | 0.8327% | 1,376 |
| Noninterest expense to average assets | 3.2987% | 1,326 |
| Loan and lease loss provision to assets | 0.0193% | 3,513 |
| Net operating income to assets | 1.1336% | 2,462 |
| Return on assets (ROA) | 1.1336% | 2,471 |
| Pretax return on assets | 1.1861% | 2,988 |
| Return on Equity (ROE) | 10.0644% | 2,537 |
| Retained earnings to average equity (ytd only) | 7.1153% | 2,024 |
| Net charge-offs to loans | -0.1097% | 5,196 |
| Credit loss provision to net charge-offs | -26.2500% | 3,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2380% | 1,810 |
| Assets per employee ($millions) | 3.4584% | 4,650 |
| Cash dividends to net income (ytd only)* | 29.3019% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 3,271 |
| Loan loss allowance to noncurrent loans | 63.6150% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.5068% | 882 |
| Noncurrent loans to loans | 1.7273% | 919 |
| Net loans and leases to total assets | 67.1694% | 2,991 |
| Net loans and leases to deposits | 76.0481% | 3,322 |
| Net loans and leases to core deposits | 80.8180% | 3,340 |
| Total domestic deposits to total assets | 88.3249% | 1,208 |
| Equity capital to assets | 11.3837% | 2,281 |
| Core capital (leverage) ratio | 11.9684% | 1,735 |
| Tier 1 risk-based capital ratio | 16.1808% | 2,378 |
| Total risk-based capital ratio | 17.1898% | 2,396 |
| Memoranda: | ||
| Average total assets | $217,357,330 | 2,749 |
| Average earning assets | $198,459,670 | 2,768 |
| Average equity | $24,482,330 | 2,706 |
| Average total loans | $145,816,670 | 2,716 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4726% | 1,950 |
| Cost of funding earning assets | 0.5091% | 2,728 |
| Net interest margin | 3.9635% | 1,835 |
| Noninterest income to average assets | 0.7020% | 1,821 |
| Noninterest expense to average assets | 3.4289% | 1,114 |
| Loan and lease loss provision to assets | 0.0203% | 3,268 |
| Net operating income to assets | 0.8218% | 3,621 |
| Return on assets (ROA) | 0.8218% | 3,632 |
| Pretax return on assets | 0.8678% | 3,957 |
| Return on Equity (ROE) | 7.3349% | 3,654 |
| Retained earnings to average equity (ytd only) | 1.3979% | 4,518 |
| Net charge-offs to loans | 0.0719% | 1,403 |
| Credit loss provision to net charge-offs | 42.3077% | 1,998 |
| Earnings coverage of net charge-offs (x) | 18.5385% | 1,533 |
| Efficiency ratio | 79.4281% | 1,206 |
| Assets per employee ($millions) | 3.6223% | 4,514 |
| Cash dividends to net income (ytd only)* | 80.9417% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 3,716 |
| Loan loss allowance to noncurrent loans | 51.3431% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.6725% | 780 |
| Noncurrent loans to loans | 2.0291% | 776 |
| Net loans and leases to total assets | 65.9955% | 3,031 |
| Net loans and leases to deposits | 74.3451% | 3,381 |
| Net loans and leases to core deposits | 78.4740% | 3,452 |
| Total domestic deposits to total assets | 88.7692% | 1,221 |
| Equity capital to assets | 11.0744% | 2,508 |
| Core capital (leverage) ratio | 11.7001% | 1,850 |
| Tier 1 risk-based capital ratio | 15.9650% | 2,492 |
| Total risk-based capital ratio | 16.9184% | 2,548 |
| Memoranda: | ||
| Average total assets | $217,095,000 | 2,781 |
| Average earning assets | $198,005,000 | 2,807 |
| Average equity | $24,322,000 | 2,742 |
| Average total loans | $144,737,000 | 2,747 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3885% | 2,062 |
| Cost of funding earning assets | 0.4935% | 2,387 |
| Net interest margin | 3.8950% | 2,102 |
| Noninterest income to average assets | 0.7020% | 1,956 |
| Noninterest expense to average assets | 3.3691% | 1,255 |
| Loan and lease loss provision to assets | 0.0155% | 3,984 |
| Net operating income to assets | 0.8143% | 3,098 |
| Return on assets (ROA) | 0.8192% | 3,122 |
| Pretax return on assets | 0.8717% | 4,009 |
| Return on Equity (ROE) | 7.2758% | 3,133 |
| Retained earnings to average equity (ytd only) | 3.7732% | 2,962 |
| Net charge-offs to loans | -0.0044% | 4,615 |
| Credit loss provision to net charge-offs | -550.0000% | 4,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2522% | 1,189 |
| Assets per employee ($millions) | 3.6754% | 4,474 |
| Cash dividends to net income (ytd only)* | 48.1397% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 3,593 |
| Loan loss allowance to noncurrent loans | 48.6754% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 1.7537% | 722 |
| Noncurrent loans to loans | 2.1677% | 681 |
| Net loans and leases to total assets | 65.9462% | 3,106 |
| Net loans and leases to deposits | 75.6272% | 3,364 |
| Net loans and leases to core deposits | 79.7810% | 3,441 |
| Total domestic deposits to total assets | 87.1990% | 1,900 |
| Equity capital to assets | 11.3327% | 2,340 |
| Core capital (leverage) ratio | 11.6899% | 1,799 |
| Tier 1 risk-based capital ratio | 15.8806% | 2,478 |
| Total risk-based capital ratio | 16.8415% | 2,528 |
| Memoranda: | ||
| Average total assets | $213,261,000 | 2,785 |
| Average earning assets | $194,327,800 | 2,821 |
| Average equity | $24,011,200 | 2,756 |
| Average total loans | $137,485,800 | 2,816 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3579% | 2,085 |
| Cost of funding earning assets | 0.4925% | 2,334 |
| Net interest margin | 3.8654% | 2,164 |
| Noninterest income to average assets | 0.7490% | 1,791 |
| Noninterest expense to average assets | 3.3640% | 1,217 |
| Loan and lease loss provision to assets | 0.0144% | 3,851 |
| Net operating income to assets | 0.8303% | 3,389 |
| Return on assets (ROA) | 0.8011% | 3,564 |
| Pretax return on assets | 0.8626% | 4,164 |
| Return on Equity (ROE) | 7.1272% | 3,580 |
| Retained earnings to average equity (ytd only) | 2.9883% | 4,138 |
| Net charge-offs to loans | -0.0609% | 5,226 |
| Credit loss provision to net charge-offs | -37.0968% | 4,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7362% | 1,242 |
| Assets per employee ($millions) | 3.5309% | 4,685 |
| Cash dividends to net income (ytd only)* | 58.0724% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 3,378 |
| Loan loss allowance to noncurrent loans | 49.2936% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 1.6747% | 863 |
| Noncurrent loans to loans | 2.2727% | 703 |
| Net loans and leases to total assets | 64.3361% | 3,344 |
| Net loans and leases to deposits | 72.9791% | 3,669 |
| Net loans and leases to core deposits | 76.7449% | 3,749 |
| Total domestic deposits to total assets | 88.1569% | 1,276 |
| Equity capital to assets | 11.4220% | 2,447 |
| Core capital (leverage) ratio | 11.5469% | 1,984 |
| Tier 1 risk-based capital ratio | 16.1056% | 2,454 |
| Total risk-based capital ratio | 17.1239% | 2,489 |
| Memoranda: | ||
| Average total assets | $212,363,500 | 2,818 |
| Average earning assets | $193,574,250 | 2,854 |
| Average equity | $23,870,250 | 2,793 |
| Average total loans | $135,724,750 | 2,854 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3251% | 2,049 |
| Cost of funding earning assets | 0.4893% | 2,258 |
| Net interest margin | 3.8358% | 2,151 |
| Noninterest income to average assets | 0.7400% | 1,811 |
| Noninterest expense to average assets | 3.3536% | 1,269 |
| Loan and lease loss provision to assets | 0.0142% | 3,668 |
| Net operating income to assets | 0.7916% | 3,433 |
| Return on assets (ROA) | 0.7968% | 3,471 |
| Pretax return on assets | 0.8715% | 4,028 |
| Return on Equity (ROE) | 7.1275% | 3,479 |
| Retained earnings to average equity (ytd only) | 1.7015% | 4,577 |
| Net charge-offs to loans | -0.1162% | 5,457 |
| Credit loss provision to net charge-offs | -19.2308% | 4,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2132% | 1,304 |
| Assets per employee ($millions) | 3.5474% | 4,655 |
| Cash dividends to net income (ytd only)* | 76.1283% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 3,218 |
| Loan loss allowance to noncurrent loans | 49.6075% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 1.6481% | 898 |
| Noncurrent loans to loans | 2.3476% | 668 |
| Net loans and leases to total assets | 62.9986% | 3,511 |
| Net loans and leases to deposits | 71.6285% | 3,774 |
| Net loans and leases to core deposits | 75.1583% | 3,847 |
| Total domestic deposits to total assets | 87.9519% | 1,478 |
| Equity capital to assets | 11.4407% | 2,376 |
| Core capital (leverage) ratio | 11.5251% | 1,953 |
| Tier 1 risk-based capital ratio | 16.2467% | 2,410 |
| Total risk-based capital ratio | 17.2945% | 2,423 |
| Memoranda: | ||
| Average total assets | $211,357,000 | 2,847 |
| Average earning assets | $192,504,330 | 2,879 |
| Average equity | $23,626,670 | 2,818 |
| Average total loans | $134,253,330 | 2,883 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 2,121 |
| Cost of funding earning assets | 0.4879% | 2,182 |
| Net interest margin | 3.7555% | 2,279 |
| Noninterest income to average assets | 0.7654% | 1,685 |
| Noninterest expense to average assets | 3.5079% | 1,032 |
| Loan and lease loss provision to assets | 0.0133% | 3,393 |
| Net operating income to assets | 0.5508% | 4,376 |
| Return on assets (ROA) | 0.5603% | 4,376 |
| Pretax return on assets | 0.6761% | 4,516 |
| Return on Equity (ROE) | 5.0721% | 4,354 |
| Retained earnings to average equity (ytd only) | -5.9490% | 5,443 |
| Net charge-offs to loans | 0.0120% | 2,579 |
| Credit loss provision to net charge-offs | 175.0000% | 1,104 |
| Earnings coverage of net charge-offs (x) | 89.2500% | 594 |
| Efficiency ratio | 83.8022% | 989 |
| Assets per employee ($millions) | 3.4819% | 4,814 |
| Cash dividends to net income (ytd only)* | 217.2881% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 3,696 |
| Loan loss allowance to noncurrent loans | 52.8181% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.4807% | 1,099 |
| Noncurrent loans to loans | 2.0914% | 837 |
| Net loans and leases to total assets | 62.8072% | 3,425 |
| Net loans and leases to deposits | 70.6662% | 3,728 |
| Net loans and leases to core deposits | 74.2813% | 3,809 |
| Total domestic deposits to total assets | 88.8786% | 1,208 |
| Equity capital to assets | 10.9316% | 2,708 |
| Core capital (leverage) ratio | 11.4208% | 2,008 |
| Tier 1 risk-based capital ratio | 16.0647% | 2,521 |
| Total risk-based capital ratio | 17.0641% | 2,560 |
| Memoranda: | ||
| Average total assets | $210,612,500 | 2,883 |
| Average earning assets | $191,823,000 | 2,911 |
| Average equity | $23,264,500 | 2,860 |
| Average total loans | $133,545,000 | 2,906 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3453% | 1,992 |
| Cost of funding earning assets | 0.5137% | 1,991 |
| Net interest margin | 3.8316% | 2,205 |
| Noninterest income to average assets | 0.8541% | 1,558 |
| Noninterest expense to average assets | 3.4165% | 1,319 |
| Loan and lease loss provision to assets | -0.1213% | 5,710 |
| Net operating income to assets | 0.9833% | 2,423 |
| Return on assets (ROA) | 0.9865% | 2,510 |
| Pretax return on assets | 1.0536% | 3,286 |
| Return on Equity (ROE) | 8.7592% | 2,536 |
| Retained earnings to average equity (ytd only) | 7.0900% | 1,193 |
| Net charge-offs to loans | -0.2101% | 5,753 |
| Credit loss provision to net charge-offs | 95.8333% | 2,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6227% | 1,606 |
| Assets per employee ($millions) | 3.3683% | 4,944 |
| Cash dividends to net income (ytd only)* | 19.0569% | 3,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 3,582 |
| Loan loss allowance to noncurrent loans | 48.8655% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 1.6295% | 965 |
| Noncurrent loans to loans | 2.3003% | 722 |
| Net loans and leases to total assets | 62.5939% | 3,527 |
| Net loans and leases to deposits | 70.8784% | 3,820 |
| Net loans and leases to core deposits | 74.4829% | 3,881 |
| Total domestic deposits to total assets | 88.3117% | 1,483 |
| Equity capital to assets | 11.1626% | 2,468 |
| Core capital (leverage) ratio | 11.6659% | 1,817 |
| Tier 1 risk-based capital ratio | 16.4149% | 2,378 |
| Total risk-based capital ratio | 17.4189% | 2,424 |
| Memoranda: | ||
| Average total assets | $208,519,600 | 2,868 |
| Average earning assets | $189,998,000 | 2,895 |
| Average equity | $23,483,800 | 2,848 |
| Average total loans | $125,680,400 | 2,986 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3387% | 2,043 |
| Cost of funding earning assets | 0.5186% | 1,947 |
| Net interest margin | 3.8201% | 2,262 |
| Noninterest income to average assets | 0.8802% | 1,473 |
| Noninterest expense to average assets | 3.4388% | 1,268 |
| Loan and lease loss provision to assets | -0.1663% | 5,852 |
| Net operating income to assets | 1.0320% | 2,279 |
| Return on assets (ROA) | 1.0362% | 2,383 |
| Pretax return on assets | 1.0944% | 3,253 |
| Return on Equity (ROE) | 9.1807% | 2,409 |
| Retained earnings to average equity (ytd only) | 7.5259% | 1,388 |
| Net charge-offs to loans | -0.2966% | 5,836 |
| Credit loss provision to net charge-offs | 94.2029% | 2,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8270% | 1,572 |
| Assets per employee ($millions) | 3.4075% | 4,902 |
| Cash dividends to net income (ytd only)* | 18.0245% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 3,488 |
| Loan loss allowance to noncurrent loans | 53.4001% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.5184% | 1,174 |
| Noncurrent loans to loans | 2.1718% | 869 |
| Net loans and leases to total assets | 61.1755% | 3,718 |
| Net loans and leases to deposits | 69.6842% | 4,013 |
| Net loans and leases to core deposits | 73.1675% | 4,068 |
| Total domestic deposits to total assets | 87.7896% | 1,510 |
| Equity capital to assets | 11.7115% | 2,339 |
| Core capital (leverage) ratio | 11.4320% | 2,089 |
| Tier 1 risk-based capital ratio | 16.1368% | 2,571 |
| Total risk-based capital ratio | 17.1417% | 2,607 |
| Memoranda: | ||
| Average total assets | $208,441,500 | 2,885 |
| Average earning assets | $190,005,500 | 2,908 |
| Average equity | $23,527,000 | 2,861 |
| Average total loans | $124,050,000 | 3,014 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3506% | 1,981 |
| Cost of funding earning assets | 0.5175% | 1,955 |
| Net interest margin | 3.8331% | 2,199 |
| Noninterest income to average assets | 0.9874% | 1,145 |
| Noninterest expense to average assets | 3.4222% | 1,332 |
| Loan and lease loss provision to assets | -0.2569% | 5,960 |
| Net operating income to assets | 1.2362% | 1,480 |
| Return on assets (ROA) | 1.2299% | 1,597 |
| Pretax return on assets | 1.3018% | 2,404 |
| Return on Equity (ROE) | 11.0342% | 1,625 |
| Retained earnings to average equity (ytd only) | 9.3829% | 751 |
| Net charge-offs to loans | -0.4701% | 5,934 |
| Credit loss provision to net charge-offs | 93.0556% | 2,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4945% | 2,007 |
| Assets per employee ($millions) | 3.6387% | 4,532 |
| Cash dividends to net income (ytd only)* | 14.9649% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 3,374 |
| Loan loss allowance to noncurrent loans | 51.7647% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 1.6428% | 1,101 |
| Noncurrent loans to loans | 2.3154% | 784 |
| Net loans and leases to total assets | 58.4325% | 4,078 |
| Net loans and leases to deposits | 66.3932% | 4,318 |
| Net loans and leases to core deposits | 69.6507% | 4,350 |
| Total domestic deposits to total assets | 88.0098% | 1,429 |
| Equity capital to assets | 11.6088% | 2,434 |
| Core capital (leverage) ratio | 11.2131% | 2,222 |
| Tier 1 risk-based capital ratio | 16.1204% | 2,584 |
| Total risk-based capital ratio | 17.1371% | 2,635 |
| Memoranda: | ||
| Average total assets | $208,636,670 | 2,902 |
| Average earning assets | $189,766,670 | 2,932 |
| Average equity | $23,255,000 | 2,894 |
| Average total loans | $122,517,000 | 3,042 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1557% | 2,633 |
| Cost of funding earning assets | 0.5224% | 1,923 |
| Net interest margin | 3.6333% | 2,948 |
| Noninterest income to average assets | 0.7945% | 1,639 |
| Noninterest expense to average assets | 3.3823% | 1,419 |
| Loan and lease loss provision to assets | 0.0154% | 3,484 |
| Net operating income to assets | 0.6056% | 4,153 |
| Return on assets (ROA) | 0.5804% | 4,382 |
| Pretax return on assets | 0.6672% | 4,631 |
| Return on Equity (ROE) | 5.3198% | 4,329 |
| Retained earnings to average equity (ytd only) | 1.9264% | 4,485 |
| Net charge-offs to loans | -0.0264% | 5,003 |
| Credit loss provision to net charge-offs | -100.0000% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6189% | 1,306 |
| Assets per employee ($millions) | 3.4976% | 4,817 |
| Cash dividends to net income (ytd only)* | 63.7874% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 3,367 |
| Loan loss allowance to noncurrent loans | 48.2524% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 2.0576% | 832 |
| Noncurrent loans to loans | 2.5262% | 735 |
| Net loans and leases to total assets | 57.5757% | 4,090 |
| Net loans and leases to deposits | 64.7854% | 4,359 |
| Net loans and leases to core deposits | 67.8573% | 4,415 |
| Total domestic deposits to total assets | 88.8714% | 1,172 |
| Equity capital to assets | 10.9037% | 3,040 |
| Core capital (leverage) ratio | 10.9085% | 2,491 |
| Tier 1 risk-based capital ratio | 15.6794% | 2,831 |
| Total risk-based capital ratio | 16.7075% | 2,874 |
| Memoranda: | ||
| Average total assets | $207,431,500 | 2,917 |
| Average earning assets | $188,366,500 | 2,954 |
| Average equity | $22,632,500 | 2,961 |
| Average total loans | $121,367,500 | 3,065 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 2,168 |
| Cost of funding earning assets | 0.5553% | 1,716 |
| Net interest margin | 3.7622% | 2,514 |
| Noninterest income to average assets | 0.7451% | 2,005 |
| Noninterest expense to average assets | 3.4463% | 1,397 |
| Loan and lease loss provision to assets | 0.0148% | 4,112 |
| Net operating income to assets | 0.6556% | 4,015 |
| Return on assets (ROA) | 0.6561% | 4,105 |
| Pretax return on assets | 0.6900% | 4,555 |
| Return on Equity (ROE) | 6.1382% | 3,973 |
| Retained earnings to average equity (ytd only) | 3.5799% | 3,508 |
| Net charge-offs to loans | 0.1911% | 1,516 |
| Credit loss provision to net charge-offs | 13.6986% | 3,799 |
| Earnings coverage of net charge-offs (x) | 6.5388% | 3,208 |
| Efficiency ratio | 83.0312% | 1,272 |
| Assets per employee ($millions) | 3.4168% | 4,957 |
| Cash dividends to net income (ytd only)* | 41.6792% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 3,327 |
| Loan loss allowance to noncurrent loans | 43.6132% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 2.3248% | 691 |
| Noncurrent loans to loans | 2.8086% | 606 |
| Net loans and leases to total assets | 58.0190% | 4,090 |
| Net loans and leases to deposits | 65.5207% | 4,353 |
| Net loans and leases to core deposits | 68.3958% | 4,412 |
| Total domestic deposits to total assets | 88.5506% | 1,351 |
| Equity capital to assets | 10.9182% | 2,909 |
| Core capital (leverage) ratio | 11.0570% | 2,342 |
| Tier 1 risk-based capital ratio | 15.7766% | 2,793 |
| Total risk-based capital ratio | 16.8048% | 2,837 |
| Memoranda: | ||
| Average total assets | $203,322,000 | 2,912 |
| Average earning assets | $184,041,000 | 2,957 |
| Average equity | $21,732,600 | 3,002 |
| Average total loans | $114,595,000 | 3,128 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3168% | 2,174 |
| Cost of funding earning assets | 0.5573% | 1,742 |
| Net interest margin | 3.7595% | 2,528 |
| Noninterest income to average assets | 0.7425% | 2,056 |
| Noninterest expense to average assets | 3.3809% | 1,508 |
| Loan and lease loss provision to assets | 0.0145% | 3,981 |
| Net operating income to assets | 0.7051% | 3,878 |
| Return on assets (ROA) | 0.7057% | 3,986 |
| Pretax return on assets | 0.7524% | 4,482 |
| Return on Equity (ROE) | 6.6387% | 3,820 |
| Retained earnings to average equity (ytd only) | 3.2019% | 4,183 |
| Net charge-offs to loans | 0.3736% | 692 |
| Credit loss provision to net charge-offs | 6.9401% | 3,475 |
| Earnings coverage of net charge-offs (x) | 3.6782% | 3,469 |
| Efficiency ratio | 81.5243% | 1,458 |
| Assets per employee ($millions) | 3.5063% | 4,779 |
| Cash dividends to net income (ytd only)* | 51.7689% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 3,742 |
| Loan loss allowance to noncurrent loans | 44.3940% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 2.2609% | 823 |
| Noncurrent loans to loans | 2.6687% | 729 |
| Net loans and leases to total assets | 56.1863% | 4,330 |
| Net loans and leases to deposits | 63.4453% | 4,603 |
| Net loans and leases to core deposits | 66.1623% | 4,676 |
| Total domestic deposits to total assets | 88.5587% | 1,267 |
| Equity capital to assets | 10.9004% | 3,128 |
| Core capital (leverage) ratio | 10.8846% | 2,604 |
| Tier 1 risk-based capital ratio | 15.9584% | 2,818 |
| Total risk-based capital ratio | 16.9526% | 2,886 |
| Memoranda: | ||
| Average total assets | $202,900,750 | 2,941 |
| Average earning assets | $183,741,000 | 2,986 |
| Average equity | $21,570,000 | 3,039 |
| Average total loans | $113,139,250 | 3,179 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3371% | 2,060 |
| Cost of funding earning assets | 0.5597% | 1,740 |
| Net interest margin | 3.7774% | 2,413 |
| Noninterest income to average assets | 0.6797% | 2,300 |
| Noninterest expense to average assets | 3.3688% | 1,533 |
| Loan and lease loss provision to assets | 0.1785% | 1,143 |
| Net operating income to assets | 0.4943% | 4,795 |
| Return on assets (ROA) | 0.4952% | 4,893 |
| Pretax return on assets | 0.5554% | 5,088 |
| Return on Equity (ROE) | 4.6980% | 4,749 |
| Retained earnings to average equity (ytd only) | -0.5054% | 5,607 |
| Net charge-offs to loans | 0.2511% | 1,033 |
| Credit loss provision to net charge-offs | 128.3688% | 1,716 |
| Earnings coverage of net charge-offs (x) | 5.2695% | 2,941 |
| Efficiency ratio | 82.1308% | 1,473 |
| Assets per employee ($millions) | 3.4410% | 4,915 |
| Cash dividends to net income (ytd only)* | 110.7570% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 2,284 |
| Loan loss allowance to noncurrent loans | 49.1922% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 2.2177% | 934 |
| Noncurrent loans to loans | 3.0536% | 646 |
| Net loans and leases to total assets | 56.0190% | 4,334 |
| Net loans and leases to deposits | 62.9202% | 4,628 |
| Net loans and leases to core deposits | 65.6475% | 4,681 |
| Total domestic deposits to total assets | 89.0318% | 1,122 |
| Equity capital to assets | 10.5854% | 3,348 |
| Core capital (leverage) ratio | 10.7449% | 2,683 |
| Tier 1 risk-based capital ratio | 16.7665% | 2,501 |
| Total risk-based capital ratio | 18.0171% | 2,454 |
| Memoranda: | ||
| Average total assets | $202,745,000 | 2,965 |
| Average earning assets | $183,672,670 | 3,006 |
| Average equity | $21,370,670 | 3,071 |
| Average total loans | $112,307,330 | 3,201 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2509% | 2,274 |
| Cost of funding earning assets | 0.5586% | 1,762 |
| Net interest margin | 3.6923% | 2,646 |
| Noninterest income to average assets | 0.7361% | 1,986 |
| Noninterest expense to average assets | 3.2320% | 1,898 |
| Loan and lease loss provision to assets | 0.2114% | 846 |
| Net operating income to assets | 0.5439% | 4,497 |
| Return on assets (ROA) | 0.5423% | 4,618 |
| Pretax return on assets | 0.6421% | 4,789 |
| Return on Equity (ROE) | 5.1552% | 4,453 |
| Retained earnings to average equity (ytd only) | -5.1924% | 5,948 |
| Net charge-offs to loans | 0.1110% | 1,631 |
| Credit loss provision to net charge-offs | 348.3871% | 731 |
| Earnings coverage of net charge-offs (x) | 14.0968% | 1,686 |
| Efficiency ratio | 79.0709% | 2,023 |
| Assets per employee ($millions) | 3.5392% | 4,830 |
| Cash dividends to net income (ytd only)* | 200.7220% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5442% | 2,258 |
| Loan loss allowance to noncurrent loans | 51.8155% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 2.0621% | 1,137 |
| Noncurrent loans to loans | 2.9802% | 731 |
| Net loans and leases to total assets | 54.0748% | 4,437 |
| Net loans and leases to deposits | 60.5995% | 4,697 |
| Net loans and leases to core deposits | 63.3269% | 4,757 |
| Total domestic deposits to total assets | 89.2330% | 1,124 |
| Equity capital to assets | 10.4806% | 3,557 |
| Core capital (leverage) ratio | 10.5836% | 2,870 |
| Tier 1 risk-based capital ratio | 15.9601% | 2,944 |
| Total risk-based capital ratio | 17.2103% | 2,881 |
| Memoranda: | ||
| Average total assets | $204,329,000 | 2,962 |
| Average earning assets | $185,467,500 | 2,993 |
| Average equity | $21,493,000 | 3,077 |
| Average total loans | $111,708,000 | 3,231 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 2,161 |
| Cost of funding earning assets | 0.6030% | 1,735 |
| Net interest margin | 3.8163% | 2,566 |
| Noninterest income to average assets | 0.7622% | 2,023 |
| Noninterest expense to average assets | 3.3044% | 1,917 |
| Loan and lease loss provision to assets | 0.1453% | 1,820 |
| Net operating income to assets | 0.7198% | 3,794 |
| Return on assets (ROA) | 0.7162% | 3,921 |
| Pretax return on assets | 0.7607% | 4,400 |
| Return on Equity (ROE) | 7.1853% | 3,528 |
| Retained earnings to average equity (ytd only) | 6.0074% | 1,927 |
| Net charge-offs to loans | 0.0343% | 4,144 |
| Credit loss provision to net charge-offs | 781.5789% | 346 |
| Earnings coverage of net charge-offs (x) | 48.9474% | 940 |
| Efficiency ratio | 78.4098% | 2,147 |
| Assets per employee ($millions) | 3.6318% | 4,659 |
| Cash dividends to net income (ytd only)* | 16.3934% | 3,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 2,454 |
| Loan loss allowance to noncurrent loans | 42.5249% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 2.2863% | 1,050 |
| Noncurrent loans to loans | 3.5356% | 575 |
| Net loans and leases to total assets | 53.5979% | 4,622 |
| Net loans and leases to deposits | 60.8635% | 4,821 |
| Net loans and leases to core deposits | 63.8529% | 4,835 |
| Total domestic deposits to total assets | 88.0624% | 1,735 |
| Equity capital to assets | 10.5574% | 3,411 |
| Core capital (leverage) ratio | 10.7775% | 2,640 |
| Tier 1 risk-based capital ratio | 17.1522% | 2,454 |
| Total risk-based capital ratio | 18.3758% | 2,425 |
| Memoranda: | ||
| Average total assets | $204,421,600 | 2,941 |
| Average earning assets | $184,919,000 | 2,976 |
| Average equity | $20,375,000 | 3,120 |
| Average total loans | $110,640,800 | 3,203 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4625% | 2,011 |
| Cost of funding earning assets | 0.6111% | 1,749 |
| Net interest margin | 3.8514% | 2,429 |
| Noninterest income to average assets | 0.6983% | 2,333 |
| Noninterest expense to average assets | 3.2544% | 2,014 |
| Loan and lease loss provision to assets | 0.1622% | 1,536 |
| Net operating income to assets | 0.7602% | 3,624 |
| Return on assets (ROA) | 0.7602% | 3,717 |
| Pretax return on assets | 0.7628% | 4,498 |
| Return on Equity (ROE) | 7.7408% | 3,342 |
| Retained earnings to average equity (ytd only) | 6.7193% | 1,971 |
| Net charge-offs to loans | 0.0410% | 3,686 |
| Credit loss provision to net charge-offs | 732.3529% | 419 |
| Earnings coverage of net charge-offs (x) | 41.7668% | 1,097 |
| Efficiency ratio | 77.8678% | 2,199 |
| Assets per employee ($millions) | 3.6717% | 4,535 |
| Cash dividends to net income (ytd only)* | 13.1964% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 2,802 |
| Loan loss allowance to noncurrent loans | 43.9739% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 2.6201% | 983 |
| Noncurrent loans to loans | 3.3757% | 722 |
| Net loans and leases to total assets | 53.2393% | 4,667 |
| Net loans and leases to deposits | 59.8126% | 4,963 |
| Net loans and leases to core deposits | 62.7426% | 4,984 |
| Total domestic deposits to total assets | 89.0102% | 1,231 |
| Equity capital to assets | 10.4545% | 3,617 |
| Core capital (leverage) ratio | 10.6208% | 2,903 |
| Tier 1 risk-based capital ratio | 17.1067% | 2,571 |
| Total risk-based capital ratio | 18.3136% | 2,542 |
| Memoranda: | ||
| Average total assets | $204,681,250 | 2,961 |
| Average earning assets | $185,002,500 | 3,001 |
| Average equity | $20,100,750 | 3,161 |
| Average total loans | $110,632,750 | 3,223 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4255% | 2,082 |
| Cost of funding earning assets | 0.6138% | 1,780 |
| Net interest margin | 3.8117% | 2,528 |
| Noninterest income to average assets | 0.6780% | 2,386 |
| Noninterest expense to average assets | 3.2890% | 1,946 |
| Loan and lease loss provision to assets | 0.1770% | 1,383 |
| Net operating income to assets | 0.6615% | 4,037 |
| Return on assets (ROA) | 0.6596% | 4,145 |
| Pretax return on assets | 0.6596% | 4,764 |
| Return on Equity (ROE) | 6.8611% | 3,692 |
| Retained earnings to average equity (ytd only) | 5.3027% | 2,760 |
| Net charge-offs to loans | -0.2951% | 6,425 |
| Credit loss provision to net charge-offs | -110.9756% | 5,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6842% | 2,064 |
| Assets per employee ($millions) | 3.6045% | 4,650 |
| Cash dividends to net income (ytd only)* | 22.7139% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 2,508 |
| Loan loss allowance to noncurrent loans | 43.7641% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 2.2360% | 1,350 |
| Noncurrent loans to loans | 3.6303% | 714 |
| Net loans and leases to total assets | 52.7894% | 4,664 |
| Net loans and leases to deposits | 58.9665% | 4,953 |
| Net loans and leases to core deposits | 61.7330% | 4,990 |
| Total domestic deposits to total assets | 89.5244% | 1,074 |
| Equity capital to assets | 10.0186% | 4,085 |
| Core capital (leverage) ratio | 10.3191% | 3,185 |
| Tier 1 risk-based capital ratio | 16.6939% | 2,746 |
| Total risk-based capital ratio | 17.8982% | 2,729 |
| Memoranda: | ||
| Average total assets | $205,594,670 | 2,968 |
| Average earning assets | $186,059,330 | 3,000 |
| Average equity | $19,763,670 | 3,199 |
| Average total loans | $111,133,000 | 3,218 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3793% | 2,230 |
| Cost of funding earning assets | 0.6192% | 1,826 |
| Net interest margin | 3.7601% | 2,636 |
| Noninterest income to average assets | 0.6943% | 2,203 |
| Noninterest expense to average assets | 3.2616% | 2,038 |
| Loan and lease loss provision to assets | 0.2587% | 822 |
| Net operating income to assets | 0.5815% | 4,288 |
| Return on assets (ROA) | 0.5815% | 4,357 |
| Pretax return on assets | 0.5757% | 4,913 |
| Return on Equity (ROE) | 6.1798% | 3,923 |
| Retained earnings to average equity (ytd only) | 2.9969% | 4,312 |
| Net charge-offs to loans | -0.1111% | 6,160 |
| Credit loss provision to net charge-offs | -429.0323% | 5,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6296% | 2,256 |
| Assets per employee ($millions) | 3.3850% | 5,182 |
| Cash dividends to net income (ytd only)* | 51.5050% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4244% | 3,489 |
| Loan loss allowance to noncurrent loans | 38.6414% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 2.5711% | 1,228 |
| Noncurrent loans to loans | 3.6863% | 766 |
| Net loans and leases to total assets | 52.6191% | 4,591 |
| Net loans and leases to deposits | 58.3842% | 4,900 |
| Net loans and leases to core deposits | 61.4961% | 4,922 |
| Total domestic deposits to total assets | 90.1256% | 1,002 |
| Equity capital to assets | 9.5131% | 4,484 |
| Core capital (leverage) ratio | 10.1445% | 3,360 |
| Tier 1 risk-based capital ratio | 16.6464% | 2,835 |
| Total risk-based capital ratio | 17.8964% | 2,804 |
| Memoranda: | ||
| Average total assets | $205,663,000 | 2,988 |
| Average earning assets | $186,058,500 | 3,019 |
| Average equity | $19,353,500 | 3,244 |
| Average total loans | $111,594,000 | 3,228 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5553% | 2,013 |
| Cost of funding earning assets | 0.6687% | 2,049 |
| Net interest margin | 3.8866% | 2,341 |
| Noninterest income to average assets | 0.8218% | 1,977 |
| Noninterest expense to average assets | 3.3692% | 1,949 |
| Loan and lease loss provision to assets | 0.3559% | 880 |
| Net operating income to assets | 0.5628% | 4,445 |
| Return on assets (ROA) | 0.5860% | 4,439 |
| Pretax return on assets | 0.6250% | 4,788 |
| Return on Equity (ROE) | 6.3165% | 3,915 |
| Retained earnings to average equity (ytd only) | 5.5991% | 2,218 |
| Net charge-offs to loans | 0.8797% | 695 |
| Credit loss provision to net charge-offs | 75.2294% | 3,168 |
| Earnings coverage of net charge-offs (x) | 2.0214% | 4,373 |
| Efficiency ratio | 77.8905% | 2,493 |
| Assets per employee ($millions) | 3.3039% | 5,283 |
| Cash dividends to net income (ytd only)* | 11.3580% | 3,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 4,417 |
| Loan loss allowance to noncurrent loans | 38.9798% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 2.3184% | 1,512 |
| Noncurrent loans to loans | 3.1929% | 1,059 |
| Net loans and leases to total assets | 54.4625% | 4,529 |
| Net loans and leases to deposits | 60.4571% | 4,901 |
| Net loans and leases to core deposits | 64.2520% | 4,844 |
| Total domestic deposits to total assets | 90.0846% | 1,031 |
| Equity capital to assets | 9.3067% | 4,683 |
| Core capital (leverage) ratio | 10.0619% | 3,477 |
| Tier 1 risk-based capital ratio | 16.7022% | 2,759 |
| Total risk-based capital ratio | 17.8405% | 2,772 |
| Memoranda: | ||
| Average total assets | $207,351,000 | 2,944 |
| Average earning assets | $186,925,000 | 2,997 |
| Average equity | $19,235,200 | 3,254 |
| Average total loans | $111,516,000 | 3,219 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 2,142 |
| Cost of funding earning assets | 0.6772% | 2,118 |
| Net interest margin | 3.8469% | 2,476 |
| Noninterest income to average assets | 0.8001% | 2,147 |
| Noninterest expense to average assets | 3.2874% | 2,105 |
| Loan and lease loss provision to assets | 0.3462% | 937 |
| Net operating income to assets | 0.5733% | 4,455 |
| Return on assets (ROA) | 0.6071% | 4,443 |
| Pretax return on assets | 0.6706% | 4,790 |
| Return on Equity (ROE) | 6.5496% | 3,903 |
| Retained earnings to average equity (ytd only) | 5.5952% | 2,666 |
| Net charge-offs to loans | 0.7929% | 744 |
| Credit loss provision to net charge-offs | 81.6944% | 2,804 |
| Earnings coverage of net charge-offs (x) | 2.3116% | 4,066 |
| Efficiency ratio | 77.0433% | 2,556 |
| Assets per employee ($millions) | 3.2844% | 5,310 |
| Cash dividends to net income (ytd only)* | 14.5726% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 4,036 |
| Loan loss allowance to noncurrent loans | 49.0372% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 2.4957% | 1,544 |
| Noncurrent loans to loans | 2.7896% | 1,498 |
| Net loans and leases to total assets | 53.2450% | 4,717 |
| Net loans and leases to deposits | 59.0745% | 5,087 |
| Net loans and leases to core deposits | 62.9260% | 5,018 |
| Total domestic deposits to total assets | 90.1319% | 924 |
| Equity capital to assets | 9.2181% | 4,909 |
| Core capital (leverage) ratio | 9.9298% | 3,773 |
| Tier 1 risk-based capital ratio | 16.5944% | 2,899 |
| Total risk-based capital ratio | 17.8397% | 2,863 |
| Memoranda: | ||
| Average total assets | $207,978,250 | 2,950 |
| Average earning assets | $187,438,250 | 3,013 |
| Average equity | $19,278,000 | 3,278 |
| Average total loans | $111,153,000 | 3,243 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5492% | 2,030 |
| Cost of funding earning assets | 0.6860% | 2,171 |
| Net interest margin | 3.8633% | 2,333 |
| Noninterest income to average assets | 0.7930% | 2,215 |
| Noninterest expense to average assets | 3.3984% | 1,824 |
| Loan and lease loss provision to assets | 0.3245% | 1,073 |
| Net operating income to assets | 0.4838% | 4,869 |
| Return on assets (ROA) | 0.5328% | 4,818 |
| Pretax return on assets | 0.6077% | 4,989 |
| Return on Equity (ROE) | 5.7376% | 4,322 |
| Retained earnings to average equity (ytd only) | 4.3110% | 3,538 |
| Net charge-offs to loans | 0.8849% | 709 |
| Credit loss provision to net charge-offs | 68.8391% | 2,846 |
| Earnings coverage of net charge-offs (x) | 1.8595% | 3,909 |
| Efficiency ratio | 79.4970% | 2,223 |
| Assets per employee ($millions) | 3.2250% | 5,422 |
| Cash dividends to net income (ytd only)* | 24.8649% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 4,150 |
| Loan loss allowance to noncurrent loans | 35.2275% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 3.1732% | 1,254 |
| Noncurrent loans to loans | 3.9003% | 1,015 |
| Net loans and leases to total assets | 52.7831% | 4,773 |
| Net loans and leases to deposits | 58.3640% | 5,131 |
| Net loans and leases to core deposits | 62.2351% | 5,075 |
| Total domestic deposits to total assets | 90.4377% | 792 |
| Equity capital to assets | 9.0942% | 5,110 |
| Core capital (leverage) ratio | 9.6099% | 4,066 |
| Tier 1 risk-based capital ratio | 16.6212% | 2,879 |
| Total risk-based capital ratio | 17.8647% | 2,844 |
| Memoranda: | ||
| Average total assets | $208,331,330 | 2,965 |
| Average earning assets | $187,767,670 | 3,022 |
| Average equity | $19,346,000 | 3,289 |
| Average total loans | $110,970,000 | 3,255 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5864% | 1,868 |
| Cost of funding earning assets | 0.6843% | 2,349 |
| Net interest margin | 3.9021% | 2,112 |
| Noninterest income to average assets | 0.7757% | 2,234 |
| Noninterest expense to average assets | 3.4176% | 1,788 |
| Loan and lease loss provision to assets | 0.4381% | 664 |
| Net operating income to assets | 0.3191% | 5,497 |
| Return on assets (ROA) | 0.3983% | 5,282 |
| Pretax return on assets | 0.5557% | 5,096 |
| Return on Equity (ROE) | 4.2466% | 4,975 |
| Retained earnings to average equity (ytd only) | 3.7208% | 3,997 |
| Net charge-offs to loans | 0.2641% | 1,902 |
| Credit loss provision to net charge-offs | 312.1622% | 775 |
| Earnings coverage of net charge-offs (x) | 6.2973% | 2,242 |
| Efficiency ratio | 79.4533% | 2,408 |
| Assets per employee ($millions) | 3.2297% | 5,570 |
| Cash dividends to net income (ytd only)* | 12.3810% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 3,328 |
| Loan loss allowance to noncurrent loans | 53.2743% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 2.5227% | 1,819 |
| Noncurrent loans to loans | 3.0351% | 1,651 |
| Net loans and leases to total assets | 52.3450% | 4,652 |
| Net loans and leases to deposits | 58.0073% | 5,031 |
| Net loans and leases to core deposits | 62.3919% | 4,917 |
| Total domestic deposits to total assets | 90.2387% | 916 |
| Equity capital to assets | 9.3949% | 5,007 |
| Core capital (leverage) ratio | 9.3907% | 4,260 |
| Tier 1 risk-based capital ratio | 16.4944% | 3,004 |
| Total risk-based capital ratio | 17.7479% | 2,961 |
| Memoranda: | ||
| Average total assets | $210,910,500 | 2,970 |
| Average earning assets | $190,564,500 | 3,007 |
| Average equity | $19,780,500 | 3,269 |
| Average total loans | $112,087,500 | 3,248 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8998% | 1,841 |
| Cost of funding earning assets | 0.9072% | 1,898 |
| Net interest margin | 3.9926% | 2,416 |
| Noninterest income to average assets | 0.7930% | 2,292 |
| Noninterest expense to average assets | 3.3690% | 2,133 |
| Loan and lease loss provision to assets | 1.0056% | 415 |
| Net operating income to assets | 0.0214% | 6,135 |
| Return on assets (ROA) | 0.0922% | 6,166 |
| Pretax return on assets | 0.0842% | 6,179 |
| Return on Equity (ROE) | 0.9767% | 6,139 |
| Retained earnings to average equity (ytd only) | -0.1208% | 5,874 |
| Net charge-offs to loans | 1.4318% | 638 |
| Credit loss provision to net charge-offs | 125.3705% | 2,258 |
| Earnings coverage of net charge-offs (x) | 1.2703% | 4,826 |
| Efficiency ratio | 76.3896% | 2,678 |
| Assets per employee ($millions) | 3.2598% | 5,493 |
| Cash dividends to net income (ytd only)* | 112.3711% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 3,882 |
| Loan loss allowance to noncurrent loans | 61.4153% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 2.1832% | 2,246 |
| Noncurrent loans to loans | 2.3871% | 2,245 |
| Net loans and leases to total assets | 52.3062% | 4,881 |
| Net loans and leases to deposits | 58.1034% | 5,232 |
| Net loans and leases to core deposits | 62.5196% | 5,105 |
| Total domestic deposits to total assets | 90.0226% | 939 |
| Equity capital to assets | 9.3624% | 5,052 |
| Core capital (leverage) ratio | 9.2972% | 4,423 |
| Tier 1 risk-based capital ratio | 16.4199% | 2,930 |
| Total risk-based capital ratio | 17.6712% | 2,898 |
| Memoranda: | ||
| Average total assets | $210,330,200 | 2,919 |
| Average earning assets | $189,373,200 | 2,969 |
| Average equity | $19,862,000 | 3,215 |
| Average total loans | $117,823,800 | 3,128 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0088% | 1,675 |
| Cost of funding earning assets | 0.9621% | 1,774 |
| Net interest margin | 4.0467% | 2,306 |
| Noninterest income to average assets | 0.8428% | 2,066 |
| Noninterest expense to average assets | 3.3158% | 2,225 |
| Loan and lease loss provision to assets | 1.2753% | 275 |
| Net operating income to assets | -0.1289% | 6,433 |
| Return on assets (ROA) | -0.0343% | 6,448 |
| Pretax return on assets | -0.0127% | 6,408 |
| Return on Equity (ROE) | -0.3624% | 6,449 |
| Retained earnings to average equity (ytd only) | -1.8253% | 6,375 |
| Net charge-offs to loans | 1.8630% | 412 |
| Credit loss provision to net charge-offs | 120.6006% | 2,402 |
| Earnings coverage of net charge-offs (x) | 1.1045% | 4,746 |
| Efficiency ratio | 73.4986% | 3,069 |
| Assets per employee ($millions) | 3.2181% | 5,601 |
| Cash dividends to net income (ytd only)* | -403.6944% | 7,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3683% | 4,505 |
| Loan loss allowance to noncurrent loans | 65.9216% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 1.9242% | 2,751 |
| Noncurrent loans to loans | 2.0756% | 2,766 |
| Net loans and leases to total assets | 53.8626% | 4,768 |
| Net loans and leases to deposits | 60.0126% | 5,208 |
| Net loans and leases to core deposits | 64.7262% | 5,082 |
| Total domestic deposits to total assets | 89.7521% | 970 |
| Equity capital to assets | 9.4796% | 5,231 |
| Core capital (leverage) ratio | 9.2141% | 4,735 |
| Tier 1 risk-based capital ratio | 15.8967% | 3,325 |
| Total risk-based capital ratio | 17.1470% | 3,294 |
| Memoranda: | ||
| Average total assets | $209,940,500 | 2,963 |
| Average earning assets | $188,890,500 | 3,002 |
| Average equity | $19,868,000 | 3,257 |
| Average total loans | $119,159,750 | 3,132 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0413% | 1,687 |
| Cost of funding earning assets | 1.0140% | 1,684 |
| Net interest margin | 4.0273% | 2,393 |
| Noninterest income to average assets | 0.8154% | 2,116 |
| Noninterest expense to average assets | 3.3873% | 2,061 |
| Loan and lease loss provision to assets | 1.4272% | 263 |
| Net operating income to assets | -0.3815% | 6,668 |
| Return on assets (ROA) | -0.3987% | 6,730 |
| Pretax return on assets | -0.3920% | 6,695 |
| Return on Equity (ROE) | -4.2151% | 6,735 |
| Retained earnings to average equity (ytd only) | -6.4081% | 6,688 |
| Net charge-offs to loans | 2.0281% | 404 |
| Credit loss provision to net charge-offs | 122.4490% | 2,240 |
| Earnings coverage of net charge-offs (x) | 0.9029% | 4,588 |
| Efficiency ratio | 75.8251% | 2,768 |
| Assets per employee ($millions) | 3.1026% | 5,847 |
| Cash dividends to net income (ytd only)* | -52.0286% | 7,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 5,020 |
| Loan loss allowance to noncurrent loans | 55.3254% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 1.8580% | 2,956 |
| Noncurrent loans to loans | 2.3011% | 2,606 |
| Net loans and leases to total assets | 54.9897% | 4,634 |
| Net loans and leases to deposits | 60.9268% | 5,151 |
| Net loans and leases to core deposits | 65.4077% | 5,065 |
| Total domestic deposits to total assets | 90.2553% | 788 |
| Equity capital to assets | 9.2247% | 5,437 |
| Core capital (leverage) ratio | 8.8189% | 5,185 |
| Tier 1 risk-based capital ratio | 15.1960% | 3,633 |
| Total risk-based capital ratio | 16.3973% | 3,636 |
| Memoranda: | ||
| Average total assets | $210,195,670 | 2,966 |
| Average earning assets | $189,158,330 | 3,007 |
| Average equity | $19,881,000 | 3,239 |
| Average total loans | $120,803,000 | 3,118 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1196% | 1,524 |
| Cost of funding earning assets | 1.0663% | 1,583 |
| Net interest margin | 4.0533% | 2,284 |
| Noninterest income to average assets | 0.8637% | 1,896 |
| Noninterest expense to average assets | 3.3669% | 2,101 |
| Loan and lease loss provision to assets | 0.4442% | 1,401 |
| Net operating income to assets | 0.6597% | 4,081 |
| Return on assets (ROA) | 0.6597% | 4,290 |
| Pretax return on assets | 0.6978% | 4,797 |
| Return on Equity (ROE) | 6.8888% | 3,843 |
| Retained earnings to average equity (ytd only) | 2.5485% | 4,980 |
| Net charge-offs to loans | 0.2515% | 2,664 |
| Credit loss provision to net charge-offs | 302.5974% | 974 |
| Earnings coverage of net charge-offs (x) | 7.7792% | 2,042 |
| Efficiency ratio | 74.2072% | 3,071 |
| Assets per employee ($millions) | 3.1815% | 5,805 |
| Cash dividends to net income (ytd only)* | 63.0058% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 5,762 |
| Loan loss allowance to noncurrent loans | 57.6456% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 1.7222% | 3,278 |
| Noncurrent loans to loans | 1.9745% | 3,193 |
| Net loans and leases to total assets | 56.0665% | 4,369 |
| Net loans and leases to deposits | 62.2820% | 4,872 |
| Net loans and leases to core deposits | 66.4013% | 4,872 |
| Total domestic deposits to total assets | 90.0203% | 1,075 |
| Equity capital to assets | 9.4810% | 4,834 |
| Core capital (leverage) ratio | 9.4029% | 4,191 |
| Tier 1 risk-based capital ratio | 15.3794% | 3,510 |
| Total risk-based capital ratio | 16.4548% | 3,580 |
| Memoranda: | ||
| Average total assets | $209,805,500 | 2,992 |
| Average earning assets | $188,688,000 | 3,031 |
| Average equity | $20,090,500 | 3,217 |
| Average total loans | $122,449,000 | 3,093 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6669% | 836 |
| Cost of funding earning assets | 1.2835% | 1,561 |
| Net interest margin | 4.3835% | 1,436 |
| Noninterest income to average assets | 0.8361% | 1,904 |
| Noninterest expense to average assets | 3.4731% | 2,055 |
| Loan and lease loss provision to assets | 0.3930% | 2,632 |
| Net operating income to assets | 0.8176% | 2,963 |
| Return on assets (ROA) | 0.8444% | 3,007 |
| Pretax return on assets | 0.8868% | 3,651 |
| Return on Equity (ROE) | 9.0718% | 2,414 |
| Retained earnings to average equity (ytd only) | 8.3132% | 981 |
| Net charge-offs to loans | 0.8343% | 2,080 |
| Credit loss provision to net charge-offs | 76.2760% | 4,630 |
| Earnings coverage of net charge-offs (x) | 2.4291% | 4,001 |
| Efficiency ratio | 73.0674% | 3,380 |
| Assets per employee ($millions) | 3.1761% | 5,753 |
| Cash dividends to net income (ytd only)* | 8.3622% | 3,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 6,290 |
| Loan loss allowance to noncurrent loans | 45.6245% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 1.6861% | 3,421 |
| Noncurrent loans to loans | 2.1563% | 3,001 |
| Net loans and leases to total assets | 59.4770% | 4,088 |
| Net loans and leases to deposits | 66.5400% | 4,661 |
| Net loans and leases to core deposits | 71.8321% | 4,551 |
| Total domestic deposits to total assets | 89.3852% | 1,320 |
| Equity capital to assets | 9.6736% | 4,643 |
| Core capital (leverage) ratio | 9.5142% | 4,003 |
| Tier 1 risk-based capital ratio | 15.0176% | 3,629 |
| Total risk-based capital ratio | 15.9551% | 3,804 |
| Memoranda: | ||
| Average total assets | $205,348,600 | 2,994 |
| Average earning assets | $182,161,800 | 3,060 |
| Average equity | $19,114,200 | 3,263 |
| Average total loans | $126,819,800 | 3,043 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7517% | 772 |
| Cost of funding earning assets | 1.3218% | 1,587 |
| Net interest margin | 4.4299% | 1,317 |
| Noninterest income to average assets | 0.8979% | 1,660 |
| Noninterest expense to average assets | 3.4341% | 2,108 |
| Loan and lease loss provision to assets | 0.2991% | 3,135 |
| Net operating income to assets | 1.0498% | 2,140 |
| Return on assets (ROA) | 1.0643% | 2,232 |
| Pretax return on assets | 1.0994% | 3,016 |
| Return on Equity (ROE) | 11.5482% | 1,666 |
| Retained earnings to average equity (ytd only) | 10.5253% | 721 |
| Net charge-offs to loans | 0.1976% | 4,220 |
| Credit loss provision to net charge-offs | 243.3862% | 1,176 |
| Earnings coverage of net charge-offs (x) | 11.2594% | 1,827 |
| Efficiency ratio | 70.8502% | 3,777 |
| Assets per employee ($millions) | 3.1420% | 5,807 |
| Cash dividends to net income (ytd only)* | 8.8577% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 4,576 |
| Loan loss allowance to noncurrent loans | 105.7039% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 1.4582% | 3,933 |
| Noncurrent loans to loans | 1.3215% | 4,332 |
| Net loans and leases to total assets | 60.2074% | 4,093 |
| Net loans and leases to deposits | 67.4254% | 4,699 |
| Net loans and leases to core deposits | 72.9124% | 4,590 |
| Total domestic deposits to total assets | 89.2949% | 1,259 |
| Equity capital to assets | 9.7631% | 4,683 |
| Core capital (leverage) ratio | 9.6245% | 3,958 |
| Tier 1 risk-based capital ratio | 14.9076% | 3,715 |
| Total risk-based capital ratio | 16.1588% | 3,686 |
| Memoranda: | ||
| Average total assets | $205,073,750 | 3,020 |
| Average earning assets | $181,460,250 | 3,090 |
| Average equity | $18,900,000 | 3,302 |
| Average total loans | $127,522,500 | 3,051 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7169% | 851 |
| Cost of funding earning assets | 1.3678% | 1,561 |
| Net interest margin | 4.3490% | 1,513 |
| Noninterest income to average assets | 0.8678% | 1,750 |
| Noninterest expense to average assets | 3.5363% | 1,892 |
| Loan and lease loss provision to assets | 0.2970% | 3,025 |
| Net operating income to assets | 0.8347% | 2,924 |
| Return on assets (ROA) | 0.8356% | 3,032 |
| Pretax return on assets | 0.8658% | 3,777 |
| Return on Equity (ROE) | 9.2488% | 2,412 |
| Retained earnings to average equity (ytd only) | 9.2488% | 1,036 |
| Net charge-offs to loans | 0.1837% | 4,060 |
| Credit loss provision to net charge-offs | 258.4746% | 1,173 |
| Earnings coverage of net charge-offs (x) | 10.1102% | 1,853 |
| Efficiency ratio | 74.8134% | 3,217 |
| Assets per employee ($millions) | 3.0098% | 6,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 5,041 |
| Loan loss allowance to noncurrent loans | 94.0976% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 1.6340% | 3,730 |
| Noncurrent loans to loans | 1.3866% | 4,326 |
| Net loans and leases to total assets | 63.1335% | 3,654 |
| Net loans and leases to deposits | 70.5568% | 4,361 |
| Net loans and leases to core deposits | 76.2868% | 4,272 |
| Total domestic deposits to total assets | 89.4789% | 1,255 |
| Equity capital to assets | 9.7086% | 4,527 |
| Core capital (leverage) ratio | 9.2648% | 4,303 |
| Tier 1 risk-based capital ratio | 14.0168% | 4,162 |
| Total risk-based capital ratio | 15.2538% | 4,143 |
| Memoranda: | ||
| Average total assets | $205,355,330 | 3,029 |
| Average earning assets | $180,868,670 | 3,120 |
| Average equity | $18,553,670 | 3,325 |
| Average total loans | $128,462,330 | 3,067 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4712% | 1,377 |
| Cost of funding earning assets | 1.4227% | 1,502 |
| Net interest margin | 4.0486% | 2,476 |
| Noninterest income to average assets | 0.9180% | 1,594 |
| Noninterest expense to average assets | 3.4402% | 2,173 |
| Loan and lease loss provision to assets | 0.4025% | 2,182 |
| Net operating income to assets | 0.6325% | 3,853 |
| Return on assets (ROA) | 0.6325% | 3,923 |
| Pretax return on assets | 0.6478% | 4,497 |
| Return on Equity (ROE) | 7.2577% | 3,264 |
| Retained earnings to average equity (ytd only) | 7.2577% | 2,040 |
| Net charge-offs to loans | 0.1022% | 3,933 |
| Credit loss provision to net charge-offs | 636.3636% | 590 |
| Earnings coverage of net charge-offs (x) | 16.6061% | 1,259 |
| Efficiency ratio | 76.1417% | 3,142 |
| Assets per employee ($millions) | 3.0908% | 5,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 5,155 |
| Loan loss allowance to noncurrent loans | 61.8386% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 2.1276% | 3,153 |
| Noncurrent loans to loans | 2.0938% | 3,451 |
| Net loans and leases to total assets | 60.6659% | 4,141 |
| Net loans and leases to deposits | 67.0495% | 4,819 |
| Net loans and leases to core deposits | 72.8987% | 4,661 |
| Total domestic deposits to total assets | 90.4793% | 851 |
| Equity capital to assets | 8.8674% | 5,398 |
| Core capital (leverage) ratio | 8.7314% | 5,032 |
| Tier 1 risk-based capital ratio | 13.3406% | 4,550 |
| Total risk-based capital ratio | 14.5455% | 4,564 |
| Memoranda: | ||
| Average total assets | $208,708,500 | 3,006 |
| Average earning assets | $184,163,000 | 3,086 |
| Average equity | $18,187,500 | 3,374 |
| Average total loans | $129,157,500 | 3,081 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7425% | 1,431 |
| Cost of funding earning assets | 1.6693% | 1,730 |
| Net interest margin | 4.0733% | 2,690 |
| Noninterest income to average assets | 1.0141% | 1,458 |
| Noninterest expense to average assets | 3.3328% | 2,630 |
| Loan and lease loss provision to assets | 0.8081% | 2,017 |
| Net operating income to assets | 0.4293% | 4,411 |
| Return on assets (ROA) | 0.5507% | 4,038 |
| Pretax return on assets | 0.5752% | 4,403 |
| Return on Equity (ROE) | 6.1667% | 3,538 |
| Retained earnings to average equity (ytd only) | 1.0661% | 5,009 |
| Net charge-offs to loans | 0.8703% | 2,451 |
| Credit loss provision to net charge-offs | 140.0169% | 2,699 |
| Earnings coverage of net charge-offs (x) | 2.1777% | 4,088 |
| Efficiency ratio | 72.1596% | 3,765 |
| Assets per employee ($millions) | 3.1393% | 5,797 |
| Cash dividends to net income (ytd only)* | 82.7128% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 5,862 |
| Loan loss allowance to noncurrent loans | 38.7309% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 2.6468% | 2,629 |
| Noncurrent loans to loans | 2.8984% | 2,625 |
| Net loans and leases to total assets | 61.6007% | 4,374 |
| Net loans and leases to deposits | 68.1586% | 5,082 |
| Net loans and leases to core deposits | 73.7490% | 5,005 |
| Total domestic deposits to total assets | 90.3785% | 899 |
| Equity capital to assets | 8.5636% | 5,768 |
| Core capital (leverage) ratio | 8.5604% | 5,258 |
| Tier 1 risk-based capital ratio | 12.8016% | 4,774 |
| Total risk-based capital ratio | 13.8530% | 4,920 |
| Memoranda: | ||
| Average total assets | $204,813,800 | 3,040 |
| Average earning assets | $179,781,200 | 3,124 |
| Average equity | $18,291,800 | 3,381 |
| Average total loans | $135,813,400 | 3,018 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7599% | 1,513 |
| Cost of funding earning assets | 1.7000% | 1,880 |
| Net interest margin | 4.0599% | 2,811 |
| Noninterest income to average assets | 1.0611% | 1,275 |
| Noninterest expense to average assets | 3.3242% | 2,500 |
| Loan and lease loss provision to assets | 0.7917% | 1,923 |
| Net operating income to assets | 0.4943% | 4,340 |
| Return on assets (ROA) | 0.5204% | 4,398 |
| Pretax return on assets | 0.5361% | 4,809 |
| Return on Equity (ROE) | 5.7655% | 3,921 |
| Retained earnings to average equity (ytd only) | -1.0093% | 6,018 |
| Net charge-offs to loans | 0.7231% | 2,618 |
| Credit loss provision to net charge-offs | 162.5841% | 2,315 |
| Earnings coverage of net charge-offs (x) | 2.6716% | 3,812 |
| Efficiency ratio | 71.4184% | 3,817 |
| Assets per employee ($millions) | 3.0268% | 6,095 |
| Cash dividends to net income (ytd only)* | 117.5064% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 6,002 |
| Loan loss allowance to noncurrent loans | 29.7842% | 6,343 |
| Noncurrent assets plus other real estate owned to assets | 2.9268% | 2,484 |
| Noncurrent loans to loans | 3.6446% | 2,144 |
| Net loans and leases to total assets | 64.7694% | 3,959 |
| Net loans and leases to deposits | 71.9433% | 4,851 |
| Net loans and leases to core deposits | 78.8995% | 4,682 |
| Total domestic deposits to total assets | 90.0284% | 867 |
| Equity capital to assets | 8.8299% | 5,806 |
| Core capital (leverage) ratio | 8.4333% | 5,636 |
| Tier 1 risk-based capital ratio | 12.3263% | 5,149 |
| Total risk-based capital ratio | 13.3531% | 5,332 |
| Memoranda: | ||
| Average total assets | $203,434,250 | 3,097 |
| Average earning assets | $178,588,000 | 3,185 |
| Average equity | $18,361,750 | 3,416 |
| Average total loans | $137,007,500 | 3,037 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7009% | 1,764 |
| Cost of funding earning assets | 1.7054% | 2,092 |
| Net interest margin | 3.9954% | 3,039 |
| Noninterest income to average assets | 1.0294% | 1,284 |
| Noninterest expense to average assets | 3.2965% | 2,581 |
| Loan and lease loss provision to assets | 0.2961% | 4,021 |
| Net operating income to assets | 0.9286% | 2,442 |
| Return on assets (ROA) | 0.9189% | 2,581 |
| Pretax return on assets | 0.9347% | 3,361 |
| Return on Equity (ROE) | 10.1062% | 2,070 |
| Retained earnings to average equity (ytd only) | 4.4832% | 3,211 |
| Net charge-offs to loans | 0.6403% | 2,626 |
| Credit loss provision to net charge-offs | 68.0272% | 5,019 |
| Earnings coverage of net charge-offs (x) | 2.8503% | 3,561 |
| Efficiency ratio | 72.1775% | 3,784 |
| Assets per employee ($millions) | 3.0615% | 6,010 |
| Cash dividends to net income (ytd only)* | 55.6391% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6270% | 7,375 |
| Loan loss allowance to noncurrent loans | 15.1601% | 7,142 |
| Noncurrent assets plus other real estate owned to assets | 3.2433% | 2,173 |
| Noncurrent loans to loans | 4.1356% | 1,808 |
| Net loans and leases to total assets | 65.2463% | 3,997 |
| Net loans and leases to deposits | 72.5429% | 4,902 |
| Net loans and leases to core deposits | 81.0609% | 4,545 |
| Total domestic deposits to total assets | 89.9416% | 946 |
| Equity capital to assets | 9.0112% | 5,430 |
| Core capital (leverage) ratio | 8.7607% | 4,987 |
| Tier 1 risk-based capital ratio | 11.1810% | 6,060 |
| Total risk-based capital ratio | 11.7104% | 6,698 |
| Memoranda: | ||
| Average total assets | $202,637,670 | 3,126 |
| Average earning assets | $177,902,670 | 3,219 |
| Average equity | $18,424,330 | 3,388 |
| Average total loans | $137,752,000 | 3,055 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6183% | 2,080 |
| Cost of funding earning assets | 1.7231% | 2,278 |
| Net interest margin | 3.8952% | 3,352 |
| Noninterest income to average assets | 0.9026% | 1,611 |
| Noninterest expense to average assets | 3.4584% | 2,081 |
| Loan and lease loss provision to assets | 0.3002% | 3,633 |
| Net operating income to assets | 0.5478% | 4,146 |
| Return on assets (ROA) | 0.5284% | 4,382 |
| Pretax return on assets | 0.5444% | 4,801 |
| Return on Equity (ROE) | 5.7842% | 3,972 |
| Retained earnings to average equity (ytd only) | 3.1550% | 4,255 |
| Net charge-offs to loans | 0.6856% | 2,119 |
| Credit loss provision to net charge-offs | 63.2911% | 4,238 |
| Earnings coverage of net charge-offs (x) | 1.8228% | 3,640 |
| Efficiency ratio | 79.4907% | 2,650 |
| Assets per employee ($millions) | 2.9998% | 6,217 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6633% | 7,410 |
| Loan loss allowance to noncurrent loans | 20.7991% | 6,967 |
| Noncurrent assets plus other real estate owned to assets | 2.6090% | 2,793 |
| Noncurrent loans to loans | 3.1892% | 2,505 |
| Net loans and leases to total assets | 66.8812% | 3,661 |
| Net loans and leases to deposits | 74.2650% | 4,700 |
| Net loans and leases to core deposits | 83.0181% | 4,337 |
| Total domestic deposits to total assets | 90.0576% | 958 |
| Equity capital to assets | 8.9870% | 5,298 |
| Core capital (leverage) ratio | 8.8722% | 4,766 |
| Tier 1 risk-based capital ratio | 10.9203% | 6,231 |
| Total risk-based capital ratio | 11.4784% | 6,857 |
| Memoranda: | ||
| Average total assets | $199,864,000 | 3,219 |
| Average earning assets | $175,498,500 | 3,312 |
| Average equity | $18,256,500 | 3,443 |
| Average total loans | $138,283,000 | 3,102 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1561% | 1,358 |
| Cost of funding earning assets | 2.2000% | 2,032 |
| Net interest margin | 3.9561% | 3,049 |
| Noninterest income to average assets | 0.9626% | 1,692 |
| Noninterest expense to average assets | 3.3986% | 2,684 |
| Loan and lease loss provision to assets | 0.2528% | 5,375 |
| Net operating income to assets | 0.7730% | 2,627 |
| Return on assets (ROA) | 0.7403% | 2,854 |
| Pretax return on assets | 0.7718% | 3,336 |
| Return on Equity (ROE) | 8.1658% | 2,301 |
| Retained earnings to average equity (ytd only) | 5.7417% | 1,450 |
| Net charge-offs to loans | 0.1686% | 5,599 |
| Credit loss provision to net charge-offs | 202.4793% | 1,915 |
| Earnings coverage of net charge-offs (x) | 8.4793% | 1,939 |
| Efficiency ratio | 75.7523% | 3,569 |
| Assets per employee ($millions) | 2.8369% | 6,594 |
| Cash dividends to net income (ytd only)* | 29.6864% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7168% | 7,339 |
| Loan loss allowance to noncurrent loans | 24.2410% | 6,844 |
| Noncurrent assets plus other real estate owned to assets | 2.3801% | 2,923 |
| Noncurrent loans to loans | 2.9570% | 2,602 |
| Net loans and leases to total assets | 70.6177% | 3,101 |
| Net loans and leases to deposits | 78.7052% | 4,233 |
| Net loans and leases to core deposits | 114.8147% | 2,433 |
| Total domestic deposits to total assets | 89.7243% | 1,094 |
| Equity capital to assets | 9.2882% | 4,710 |
| Core capital (leverage) ratio | 9.1032% | 4,264 |
| Tier 1 risk-based capital ratio | 10.8145% | 6,099 |
| Total risk-based capital ratio | 11.4254% | 6,678 |
| Memoranda: | ||
| Average total assets | $193,844,600 | 3,246 |
| Average earning assets | $171,229,000 | 3,329 |
| Average equity | $17,573,200 | 3,574 |
| Average total loans | $143,523,600 | 3,024 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1879% | 1,405 |
| Cost of funding earning assets | 2.3103% | 1,941 |
| Net interest margin | 3.8776% | 3,316 |
| Noninterest income to average assets | 0.8336% | 2,270 |
| Noninterest expense to average assets | 3.4731% | 2,344 |
| Loan and lease loss provision to assets | 0.2344% | 5,101 |
| Net operating income to assets | 0.5541% | 3,772 |
| Return on assets (ROA) | 0.5240% | 3,975 |
| Pretax return on assets | 0.5282% | 4,429 |
| Return on Equity (ROE) | 5.8165% | 3,600 |
| Retained earnings to average equity (ytd only) | 3.3215% | 3,447 |
| Net charge-offs to loans | 0.1909% | 4,876 |
| Credit loss provision to net charge-offs | 164.2512% | 2,867 |
| Earnings coverage of net charge-offs (x) | 5.5556% | 2,790 |
| Efficiency ratio | 80.8954% | 2,721 |
| Assets per employee ($millions) | 2.7933% | 6,656 |
| Cash dividends to net income (ytd only)* | 42.8951% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6236% | 7,539 |
| Loan loss allowance to noncurrent loans | 20.1139% | 7,083 |
| Noncurrent assets plus other real estate owned to assets | 2.4370% | 2,824 |
| Noncurrent loans to loans | 3.1003% | 2,435 |
| Net loans and leases to total assets | 73.0084% | 2,790 |
| Net loans and leases to deposits | 81.3965% | 4,132 |
| Net loans and leases to core deposits | 121.9970% | 2,074 |
| Total domestic deposits to total assets | 89.6948% | 892 |
| Equity capital to assets | 9.1663% | 5,224 |
| Core capital (leverage) ratio | 8.8163% | 4,947 |
| Tier 1 risk-based capital ratio | 10.3653% | 6,611 |
| Total risk-based capital ratio | 10.9010% | 7,236 |
| Memoranda: | ||
| Average total assets | $193,369,750 | 3,278 |
| Average earning assets | $171,168,750 | 3,357 |
| Average equity | $17,421,250 | 3,627 |
| Average total loans | $144,597,500 | 3,040 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2168% | 1,405 |
| Cost of funding earning assets | 2.4123% | 1,917 |
| Net interest margin | 3.8045% | 3,540 |
| Noninterest income to average assets | 0.8224% | 2,304 |
| Noninterest expense to average assets | 3.3805% | 2,689 |
| Loan and lease loss provision to assets | 0.2170% | 4,872 |
| Net operating income to assets | 0.5879% | 3,727 |
| Return on assets (ROA) | 0.4556% | 4,382 |
| Pretax return on assets | 0.4525% | 4,777 |
| Return on Equity (ROE) | 5.0867% | 4,040 |
| Retained earnings to average equity (ytd only) | 2.3184% | 4,047 |
| Net charge-offs to loans | 0.2679% | 3,852 |
| Credit loss provision to net charge-offs | 107.6923% | 4,283 |
| Earnings coverage of net charge-offs (x) | 3.9795% | 3,253 |
| Efficiency ratio | 80.2866% | 2,995 |
| Assets per employee ($millions) | 2.7157% | 6,800 |
| Cash dividends to net income (ytd only)* | 54.4218% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5356% | 7,748 |
| Loan loss allowance to noncurrent loans | 43.4659% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 1.0554% | 4,856 |
| Noncurrent loans to loans | 1.2322% | 4,744 |
| Net loans and leases to total assets | 73.6797% | 2,795 |
| Net loans and leases to deposits | 81.9493% | 4,231 |
| Net loans and leases to core deposits | 121.9653% | 2,209 |
| Total domestic deposits to total assets | 89.9089% | 865 |
| Equity capital to assets | 8.9906% | 5,331 |
| Core capital (leverage) ratio | 8.6988% | 5,090 |
| Tier 1 risk-based capital ratio | 10.0862% | 6,836 |
| Total risk-based capital ratio | 10.5474% | 7,528 |
| Memoranda: | ||
| Average total assets | $193,580,330 | 3,300 |
| Average earning assets | $170,956,330 | 3,377 |
| Average equity | $17,339,330 | 3,650 |
| Average total loans | $145,597,330 | 3,058 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2412% | 1,471 |
| Cost of funding earning assets | 2.5100% | 1,882 |
| Net interest margin | 3.7312% | 3,754 |
| Noninterest income to average assets | 0.7527% | 2,581 |
| Noninterest expense to average assets | 3.3470% | 2,508 |
| Loan and lease loss provision to assets | 0.2165% | 4,282 |
| Net operating income to assets | 0.4789% | 4,526 |
| Return on assets (ROA) | 0.4908% | 4,654 |
| Pretax return on assets | 0.5094% | 5,058 |
| Return on Equity (ROE) | 5.4897% | 4,253 |
| Retained earnings to average equity (ytd only) | 2.7218% | 4,373 |
| Net charge-offs to loans | -0.0245% | 7,492 |
| Credit loss provision to net charge-offs | -1,166.6667% | 6,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8690% | 2,550 |
| Assets per employee ($millions) | 2.6673% | 6,949 |
| Cash dividends to net income (ytd only)* | 50.4202% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5944% | 7,666 |
| Loan loss allowance to noncurrent loans | 33.4754% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 1.4781% | 3,717 |
| Noncurrent loans to loans | 1.7755% | 3,601 |
| Net loans and leases to total assets | 74.2106% | 2,705 |
| Net loans and leases to deposits | 82.4715% | 4,209 |
| Net loans and leases to core deposits | 124.5142% | 2,038 |
| Total domestic deposits to total assets | 89.9834% | 809 |
| Equity capital to assets | 8.9315% | 5,434 |
| Core capital (leverage) ratio | 8.5853% | 5,368 |
| Tier 1 risk-based capital ratio | 9.8951% | 7,044 |
| Total risk-based capital ratio | 10.4115% | 7,698 |
| Memoranda: | ||
| Average total assets | $193,964,000 | 3,311 |
| Average earning assets | $171,953,500 | 3,388 |
| Average equity | $17,341,500 | 3,664 |
| Average total loans | $146,981,500 | 3,059 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1275% | 871 |
| Cost of funding earning assets | 2.9331% | 2,133 |
| Net interest margin | 4.1944% | 2,334 |
| Noninterest income to average assets | 0.8104% | 2,457 |
| Noninterest expense to average assets | 3.1762% | 3,423 |
| Loan and lease loss provision to assets | 0.1281% | 5,728 |
| Net operating income to assets | 1.1989% | 1,768 |
| Return on assets (ROA) | 0.4027% | 4,954 |
| Pretax return on assets | 0.4093% | 5,234 |
| Return on Equity (ROE) | 4.6494% | 4,536 |
| Retained earnings to average equity (ytd only) | -3.1588% | 6,142 |
| Net charge-offs to loans | 0.2553% | 3,720 |
| Credit loss provision to net charge-offs | 68.1199% | 6,104 |
| Earnings coverage of net charge-offs (x) | 7.1798% | 3,166 |
| Efficiency ratio | 69.6887% | 4,405 |
| Assets per employee ($millions) | 2.8002% | 6,555 |
| Cash dividends to net income (ytd only)* | 167.9389% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5047% | 7,844 |
| Loan loss allowance to noncurrent loans | 27.4625% | 6,866 |
| Noncurrent assets plus other real estate owned to assets | 1.5734% | 3,093 |
| Noncurrent loans to loans | 1.8378% | 3,003 |
| Net loans and leases to total assets | 76.5216% | 2,493 |
| Net loans and leases to deposits | 85.2559% | 4,216 |
| Net loans and leases to core deposits | 131.0010% | 1,780 |
| Total domestic deposits to total assets | 89.7553% | 746 |
| Equity capital to assets | 8.9498% | 5,433 |
| Core capital (leverage) ratio | 8.5814% | 5,422 |
| Tier 1 risk-based capital ratio | 9.6805% | 7,108 |
| Total risk-based capital ratio | 10.1174% | 7,900 |
| Memoranda: | ||
| Average total assets | $195,201,000 | 3,201 |
| Average earning assets | $172,922,400 | 3,287 |
| Average equity | $16,905,400 | 3,756 |
| Average total loans | $143,751,200 | 3,027 |