Home > Merchants Bank of Alabama > Performance and Condition Ratios
Merchants Bank of Alabama, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3341% | 3,100 |
| Cost of funding earning assets | 0.2590% | 2,823 |
| Net interest margin | 3.0752% | 2,984 |
| Noninterest income to average assets | 0.7659% | 1,548 |
| Noninterest expense to average assets | 2.7785% | 1,413 |
| Loan and lease loss provision to assets | 0.0062% | 2,950 |
| Net operating income to assets | 0.6822% | 3,668 |
| Return on assets (ROA) | 0.6929% | 3,702 |
| Pretax return on assets | 0.8927% | 3,527 |
| Return on Equity (ROE) | 7.4610% | 3,388 |
| Retained earnings to average equity (ytd only) | 5.2361% | 2,699 |
| Net charge-offs to loans | 0.0231% | 1,787 |
| Credit loss provision to net charge-offs | 53.3333% | 2,116 |
| Earnings coverage of net charge-offs (x) | 75.7111% | 1,027 |
| Efficiency ratio | 75.8335% | 1,123 |
| Assets per employee ($millions) | 4.9096% | 3,813 |
| Cash dividends to net income (ytd only)* | 29.8200% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 2,572 |
| Loan loss allowance to noncurrent loans | 1,377.0115% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 2,762 |
| Noncurrent loans to loans | 0.0915% | 3,467 |
| Net loans and leases to total assets | 49.0508% | 3,402 |
| Net loans and leases to deposits | 54.3218% | 3,575 |
| Net loans and leases to core deposits | 56.9928% | 3,550 |
| Total domestic deposits to total assets | 90.2967% | 814 |
| Equity capital to assets | 9.3132% | 3,307 |
| Core capital (leverage) ratio | 9.2573% | 3,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2176% | 1,003 |
| Memoranda: | ||
| Average total assets | $384,777,400 | 2,044 |
| Average earning assets | $362,614,000 | 2,030 |
| Average equity | $35,732,600 | 2,254 |
| Average total loans | $194,713,200 | 2,270 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4329% | 3,006 |
| Cost of funding earning assets | 0.2629% | 2,983 |
| Net interest margin | 3.1700% | 2,830 |
| Noninterest income to average assets | 0.7663% | 1,631 |
| Noninterest expense to average assets | 2.3833% | 2,488 |
| Loan and lease loss provision to assets | 0.0927% | 1,287 |
| Net operating income to assets | 1.0006% | 2,904 |
| Return on assets (ROA) | 1.0006% | 2,968 |
| Pretax return on assets | 1.2737% | 2,693 |
| Return on Equity (ROE) | 10.7822% | 2,451 |
| Retained earnings to average equity (ytd only) | 9.4022% | 1,536 |
| Net charge-offs to loans | 0.0953% | 762 |
| Credit loss provision to net charge-offs | 191.4286% | 1,227 |
| Earnings coverage of net charge-offs (x) | 28.2000% | 1,557 |
| Efficiency ratio | 63.5592% | 2,458 |
| Assets per employee ($millions) | 5.0604% | 3,642 |
| Cash dividends to net income (ytd only)* | 12.7983% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 2,467 |
| Loan loss allowance to noncurrent loans | 466.1172% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 1,689 |
| Noncurrent loans to loans | 0.2796% | 2,798 |
| Net loans and leases to total assets | 48.8379% | 3,542 |
| Net loans and leases to deposits | 54.1356% | 3,727 |
| Net loans and leases to core deposits | 56.7145% | 3,721 |
| Total domestic deposits to total assets | 90.2140% | 677 |
| Equity capital to assets | 9.4115% | 3,459 |
| Core capital (leverage) ratio | 9.3398% | 3,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0245% | 1,130 |
| Memoranda: | ||
| Average total assets | $385,233,750 | 2,067 |
| Average earning assets | $362,561,250 | 2,049 |
| Average equity | $35,749,500 | 2,286 |
| Average total loans | $195,832,250 | 2,295 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4704% | 2,974 |
| Cost of funding earning assets | 0.2676% | 3,107 |
| Net interest margin | 3.2029% | 2,747 |
| Noninterest income to average assets | 0.7616% | 1,642 |
| Noninterest expense to average assets | 2.3629% | 2,577 |
| Loan and lease loss provision to assets | 0.1005% | 1,261 |
| Net operating income to assets | 1.0265% | 2,804 |
| Return on assets (ROA) | 1.0265% | 2,881 |
| Pretax return on assets | 1.3123% | 2,599 |
| Return on Equity (ROE) | 11.1157% | 2,392 |
| Retained earnings to average equity (ytd only) | 9.0184% | 1,702 |
| Net charge-offs to loans | 0.1010% | 734 |
| Credit loss provision to net charge-offs | 193.9394% | 1,060 |
| Earnings coverage of net charge-offs (x) | 27.2626% | 1,365 |
| Efficiency ratio | 62.5815% | 2,648 |
| Assets per employee ($millions) | 4.9214% | 3,724 |
| Cash dividends to net income (ytd only)* | 18.8679% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,588 |
| Loan loss allowance to noncurrent loans | 514.3443% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.4393% | 1,870 |
| Noncurrent loans to loans | 0.2469% | 3,063 |
| Net loans and leases to total assets | 50.1965% | 3,542 |
| Net loans and leases to deposits | 55.5686% | 3,745 |
| Net loans and leases to core deposits | 58.2465% | 3,747 |
| Total domestic deposits to total assets | 90.3326% | 633 |
| Equity capital to assets | 9.2580% | 3,553 |
| Core capital (leverage) ratio | 9.1595% | 3,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0379% | 1,108 |
| Memoranda: | ||
| Average total assets | $382,075,667 | 2,073 |
| Average earning assets | $359,554,667 | 2,056 |
| Average equity | $35,283,333 | 2,300 |
| Average total loans | $196,005,667 | 2,304 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2703% | 3,525 |
| Cost of funding earning assets | 0.2683% | 3,293 |
| Net interest margin | 3.0020% | 3,252 |
| Noninterest income to average assets | 0.7478% | 1,725 |
| Noninterest expense to average assets | 2.4366% | 2,371 |
| Loan and lease loss provision to assets | 0.1014% | 1,330 |
| Net operating income to assets | 0.8143% | 3,376 |
| Return on assets (ROA) | 0.8143% | 3,449 |
| Pretax return on assets | 1.0340% | 3,278 |
| Return on Equity (ROE) | 8.8296% | 3,092 |
| Retained earnings to average equity (ytd only) | 8.8296% | 2,010 |
| Net charge-offs to loans | 0.2234% | 375 |
| Credit loss provision to net charge-offs | 88.0734% | 1,178 |
| Earnings coverage of net charge-offs (x) | 9.8624% | 1,519 |
| Efficiency ratio | 68.2141% | 1,906 |
| Assets per employee ($millions) | 4.7690% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 2,840 |
| Loan loss allowance to noncurrent loans | 614.3223% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 1,973 |
| Noncurrent loans to loans | 0.1981% | 3,400 |
| Net loans and leases to total assets | 50.4851% | 3,581 |
| Net loans and leases to deposits | 55.7489% | 3,810 |
| Net loans and leases to core deposits | 58.3935% | 3,808 |
| Total domestic deposits to total assets | 90.5581% | 562 |
| Equity capital to assets | 9.0404% | 3,638 |
| Core capital (leverage) ratio | 9.2949% | 3,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0017% | 925 |
| Memoranda: | ||
| Average total assets | $378,718,500 | 2,068 |
| Average earning assets | $356,301,500 | 2,056 |
| Average equity | $34,928,000 | 2,305 |
| Average total loans | $195,174,000 | 2,315 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9428% | 2,899 |
| Cost of funding earning assets | 0.3824% | 3,694 |
| Net interest margin | 3.5604% | 2,277 |
| Noninterest income to average assets | 0.7808% | 1,585 |
| Noninterest expense to average assets | 2.6381% | 2,426 |
| Loan and lease loss provision to assets | 0.1622% | 2,345 |
| Net operating income to assets | 1.0315% | 2,171 |
| Return on assets (ROA) | 1.0315% | 2,319 |
| Pretax return on assets | 1.3108% | 1,938 |
| Return on Equity (ROE) | 10.3217% | 1,876 |
| Retained earnings to average equity (ytd only) | 7.6173% | 1,167 |
| Net charge-offs to loans | 0.0659% | 1,840 |
| Credit loss provision to net charge-offs | 425.1969% | 1,377 |
| Earnings coverage of net charge-offs (x) | 38.6220% | 1,414 |
| Efficiency ratio | 64.1709% | 2,797 |
| Assets per employee ($millions) | 4.5821% | 3,832 |
| Cash dividends to net income (ytd only)* | 26.2009% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 2,667 |
| Loan loss allowance to noncurrent loans | 565.8080% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 2,386 |
| Noncurrent loans to loans | 0.2213% | 3,410 |
| Net loans and leases to total assets | 51.3303% | 3,720 |
| Net loans and leases to deposits | 56.9165% | 3,949 |
| Net loans and leases to core deposits | 58.7708% | 4,008 |
| Total domestic deposits to total assets | 90.1853% | 492 |
| Equity capital to assets | 9.4124% | 3,691 |
| Core capital (leverage) ratio | 9.4774% | 3,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1938% | 1,023 |
| Memoranda: | ||
| Average total assets | $333,002,800 | 2,124 |
| Average earning assets | $311,478,200 | 2,107 |
| Average equity | $33,279,400 | 2,325 |
| Average total loans | $192,816,000 | 2,306 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0564% | 2,802 |
| Cost of funding earning assets | 0.4073% | 3,775 |
| Net interest margin | 3.6491% | 2,100 |
| Noninterest income to average assets | 0.7799% | 1,577 |
| Noninterest expense to average assets | 2.7032% | 2,244 |
| Loan and lease loss provision to assets | 0.1632% | 2,370 |
| Net operating income to assets | 1.0428% | 2,181 |
| Return on assets (ROA) | 1.0428% | 2,304 |
| Pretax return on assets | 1.3256% | 1,951 |
| Return on Equity (ROE) | 10.2637% | 1,926 |
| Retained earnings to average equity (ytd only) | 8.2353% | 1,226 |
| Net charge-offs to loans | 0.0809% | 1,495 |
| Credit loss provision to net charge-offs | 338.4615% | 1,640 |
| Earnings coverage of net charge-offs (x) | 30.8718% | 1,556 |
| Efficiency ratio | 64.4838% | 2,663 |
| Assets per employee ($millions) | 4.2972% | 4,048 |
| Cash dividends to net income (ytd only)* | 19.7628% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 3,114 |
| Loan loss allowance to noncurrent loans | 1,097.1154% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 2,423 |
| Noncurrent loans to loans | 0.1018% | 3,964 |
| Net loans and leases to total assets | 57.3363% | 3,488 |
| Net loans and leases to deposits | 63.8298% | 3,804 |
| Net loans and leases to core deposits | 67.5141% | 3,788 |
| Total domestic deposits to total assets | 89.8269% | 487 |
| Equity capital to assets | 9.7724% | 3,459 |
| Core capital (leverage) ratio | 9.6071% | 3,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5075% | 838 |
| Memoranda: | ||
| Average total assets | $323,466,250 | 2,152 |
| Average earning assets | $302,458,750 | 2,135 |
| Average equity | $32,865,750 | 2,331 |
| Average total loans | $192,788,000 | 2,297 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2202% | 2,693 |
| Cost of funding earning assets | 0.4295% | 3,900 |
| Net interest margin | 3.7907% | 1,862 |
| Noninterest income to average assets | 0.8680% | 1,241 |
| Noninterest expense to average assets | 2.7371% | 2,265 |
| Loan and lease loss provision to assets | 0.2046% | 2,007 |
| Net operating income to assets | 1.1363% | 1,852 |
| Return on assets (ROA) | 1.1363% | 1,972 |
| Pretax return on assets | 1.4645% | 1,545 |
| Return on Equity (ROE) | 11.0257% | 1,621 |
| Retained earnings to average equity (ytd only) | 7.9338% | 1,328 |
| Net charge-offs to loans | 0.0519% | 1,746 |
| Credit loss provision to net charge-offs | 655.1020% | 1,046 |
| Earnings coverage of net charge-offs (x) | 53.4490% | 1,056 |
| Efficiency ratio | 62.1203% | 3,111 |
| Assets per employee ($millions) | 4.1298% | 4,176 |
| Cash dividends to net income (ytd only)* | 28.0426% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 3,037 |
| Loan loss allowance to noncurrent loans | 182.3058% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4026% | 2,677 |
| Noncurrent loans to loans | 0.6048% | 2,336 |
| Net loans and leases to total assets | 59.5823% | 3,370 |
| Net loans and leases to deposits | 66.4493% | 3,682 |
| Net loans and leases to core deposits | 70.2908% | 3,683 |
| Total domestic deposits to total assets | 89.6658% | 507 |
| Equity capital to assets | 9.8610% | 3,319 |
| Core capital (leverage) ratio | 9.8666% | 2,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2292% | 879 |
| Memoranda: | ||
| Average total assets | $313,831,667 | 2,181 |
| Average earning assets | $292,925,333 | 2,170 |
| Average equity | $32,342,667 | 2,346 |
| Average total loans | $188,944,667 | 2,315 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 2,348 |
| Cost of funding earning assets | 0.4733% | 4,054 |
| Net interest margin | 4.0134% | 1,352 |
| Noninterest income to average assets | 1.0035% | 854 |
| Noninterest expense to average assets | 3.0545% | 1,753 |
| Loan and lease loss provision to assets | 0.0160% | 3,597 |
| Net operating income to assets | 1.2854% | 1,281 |
| Return on assets (ROA) | 1.2854% | 1,373 |
| Pretax return on assets | 1.6609% | 922 |
| Return on Equity (ROE) | 12.1720% | 1,062 |
| Retained earnings to average equity (ytd only) | 12.1720% | 406 |
| Net charge-offs to loans | 0.0444% | 1,584 |
| Credit loss provision to net charge-offs | 60.0000% | 2,017 |
| Earnings coverage of net charge-offs (x) | 62.7500% | 785 |
| Efficiency ratio | 64.5580% | 3,139 |
| Assets per employee ($millions) | 3.6949% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 3,212 |
| Loan loss allowance to noncurrent loans | 147.8873% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.4914% | 2,520 |
| Noncurrent loans to loans | 0.7430% | 2,147 |
| Net loans and leases to total assets | 59.2642% | 3,568 |
| Net loans and leases to deposits | 66.5324% | 3,830 |
| Net loans and leases to core deposits | 70.7959% | 3,829 |
| Total domestic deposits to total assets | 89.0757% | 628 |
| Equity capital to assets | 10.4659% | 3,356 |
| Core capital (leverage) ratio | 10.8409% | 2,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1908% | 1,114 |
| Memoranda: | ||
| Average total assets | $299,361,000 | 2,213 |
| Average earning assets | $278,066,500 | 2,209 |
| Average equity | $31,613,500 | 2,369 |
| Average total loans | $180,162,500 | 2,357 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4593% | 3,090 |
| Cost of funding earning assets | 0.4828% | 4,163 |
| Net interest margin | 3.9765% | 1,920 |
| Noninterest income to average assets | 1.0262% | 915 |
| Noninterest expense to average assets | 3.0656% | 1,839 |
| Loan and lease loss provision to assets | 0.0400% | 3,213 |
| Net operating income to assets | 1.2535% | 1,860 |
| Return on assets (ROA) | 1.2535% | 1,940 |
| Pretax return on assets | 1.6068% | 1,470 |
| Return on Equity (ROE) | 12.4050% | 1,357 |
| Retained earnings to average equity (ytd only) | 8.5431% | 822 |
| Net charge-offs to loans | 0.1424% | 1,376 |
| Credit loss provision to net charge-offs | 46.2745% | 3,153 |
| Earnings coverage of net charge-offs (x) | 19.0314% | 2,022 |
| Efficiency ratio | 65.0536% | 2,925 |
| Assets per employee ($millions) | 3.6066% | 4,363 |
| Cash dividends to net income (ytd only)* | 31.1316% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 2,832 |
| Loan loss allowance to noncurrent loans | 177.0999% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 2,583 |
| Noncurrent loans to loans | 0.6327% | 2,302 |
| Net loans and leases to total assets | 59.7711% | 3,607 |
| Net loans and leases to deposits | 67.2984% | 3,872 |
| Net loans and leases to core deposits | 70.8438% | 3,918 |
| Total domestic deposits to total assets | 88.8151% | 743 |
| Equity capital to assets | 10.6571% | 3,300 |
| Core capital (leverage) ratio | 10.4033% | 3,067 |
| Tier 1 risk-based capital ratio | 16.8293% | 2,110 |
| Total risk-based capital ratio | 17.9099% | 2,101 |
| Memoranda: | ||
| Average total assets | $294,690,600 | 2,189 |
| Average earning assets | $273,180,400 | 2,190 |
| Average equity | $29,778,400 | 2,406 |
| Average total loans | $179,111,200 | 2,327 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 3,200 |
| Cost of funding earning assets | 0.4772% | 4,229 |
| Net interest margin | 3.9757% | 2,034 |
| Noninterest income to average assets | 1.0234% | 890 |
| Noninterest expense to average assets | 3.0630% | 1,798 |
| Loan and lease loss provision to assets | 0.0453% | 2,998 |
| Net operating income to assets | 1.2485% | 2,023 |
| Return on assets (ROA) | 1.2485% | 2,100 |
| Pretax return on assets | 1.5972% | 1,648 |
| Return on Equity (ROE) | 12.5271% | 1,433 |
| Retained earnings to average equity (ytd only) | 10.2552% | 693 |
| Net charge-offs to loans | 0.2165% | 819 |
| Credit loss provision to net charge-offs | 34.3643% | 2,891 |
| Earnings coverage of net charge-offs (x) | 12.4639% | 2,356 |
| Efficiency ratio | 65.0948% | 2,843 |
| Assets per employee ($millions) | 3.6563% | 4,324 |
| Cash dividends to net income (ytd only)* | 18.1356% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 3,139 |
| Loan loss allowance to noncurrent loans | 170.3671% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 2,735 |
| Noncurrent loans to loans | 0.6327% | 2,387 |
| Net loans and leases to total assets | 58.9381% | 3,775 |
| Net loans and leases to deposits | 66.0686% | 4,060 |
| Net loans and leases to core deposits | 69.1055% | 4,095 |
| Total domestic deposits to total assets | 89.2074% | 551 |
| Equity capital to assets | 10.2631% | 3,761 |
| Core capital (leverage) ratio | 10.4775% | 3,123 |
| Tier 1 risk-based capital ratio | 16.6589% | 2,203 |
| Total risk-based capital ratio | 17.7093% | 2,218 |
| Memoranda: | ||
| Average total assets | $294,428,750 | 2,204 |
| Average earning assets | $272,682,750 | 2,207 |
| Average equity | $29,343,750 | 2,442 |
| Average total loans | $179,196,750 | 2,352 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4295% | 3,246 |
| Cost of funding earning assets | 0.4719% | 4,239 |
| Net interest margin | 3.9576% | 2,070 |
| Noninterest income to average assets | 1.0391% | 802 |
| Noninterest expense to average assets | 3.0959% | 1,742 |
| Loan and lease loss provision to assets | 0.0563% | 2,700 |
| Net operating income to assets | 1.2203% | 2,070 |
| Return on assets (ROA) | 1.2203% | 2,127 |
| Pretax return on assets | 1.5531% | 1,685 |
| Return on Equity (ROE) | 12.3717% | 1,452 |
| Retained earnings to average equity (ytd only) | 8.8926% | 1,062 |
| Net charge-offs to loans | 0.2944% | 578 |
| Credit loss provision to net charge-offs | 31.1787% | 2,594 |
| Earnings coverage of net charge-offs (x) | 8.9163% | 2,373 |
| Efficiency ratio | 65.7964% | 2,838 |
| Assets per employee ($millions) | 3.5766% | 4,406 |
| Cash dividends to net income (ytd only)* | 28.1215% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 3,100 |
| Loan loss allowance to noncurrent loans | 182.2326% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 2,779 |
| Noncurrent loans to loans | 0.6014% | 2,467 |
| Net loans and leases to total assets | 59.5579% | 3,776 |
| Net loans and leases to deposits | 66.6556% | 4,050 |
| Net loans and leases to core deposits | 69.7285% | 4,122 |
| Total domestic deposits to total assets | 89.3517% | 522 |
| Equity capital to assets | 10.1417% | 3,845 |
| Core capital (leverage) ratio | 10.2240% | 3,364 |
| Tier 1 risk-based capital ratio | 16.1828% | 2,334 |
| Total risk-based capital ratio | 17.2421% | 2,356 |
| Memoranda: | ||
| Average total assets | $291,413,000 | 2,227 |
| Average earning assets | $269,963,330 | 2,228 |
| Average equity | $28,743,000 | 2,468 |
| Average total loans | $178,658,330 | 2,356 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4312% | 3,114 |
| Cost of funding earning assets | 0.4629% | 4,231 |
| Net interest margin | 3.9683% | 1,954 |
| Noninterest income to average assets | 1.0419% | 735 |
| Noninterest expense to average assets | 3.0773% | 1,784 |
| Loan and lease loss provision to assets | 0.0887% | 1,938 |
| Net operating income to assets | 1.2054% | 2,032 |
| Return on assets (ROA) | 1.2054% | 2,084 |
| Pretax return on assets | 1.5463% | 1,617 |
| Return on Equity (ROE) | 12.4013% | 1,410 |
| Retained earnings to average equity (ytd only) | 9.5505% | 1,147 |
| Net charge-offs to loans | 0.6316% | 237 |
| Credit loss provision to net charge-offs | 22.6950% | 2,121 |
| Earnings coverage of net charge-offs (x) | 4.1844% | 2,344 |
| Efficiency ratio | 65.3043% | 3,040 |
| Assets per employee ($millions) | 3.4915% | 4,570 |
| Cash dividends to net income (ytd only)* | 22.9885% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 3,264 |
| Loan loss allowance to noncurrent loans | 148.7616% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.8613% | 1,647 |
| Noncurrent loans to loans | 0.7225% | 2,215 |
| Net loans and leases to total assets | 60.3153% | 3,671 |
| Net loans and leases to deposits | 67.2449% | 3,964 |
| Net loans and leases to core deposits | 70.6286% | 4,044 |
| Total domestic deposits to total assets | 89.6951% | 563 |
| Equity capital to assets | 9.8126% | 4,001 |
| Core capital (leverage) ratio | 10.2752% | 3,302 |
| Tier 1 risk-based capital ratio | 15.9126% | 2,481 |
| Total risk-based capital ratio | 16.9557% | 2,485 |
| Memoranda: | ||
| Average total assets | $288,692,500 | 2,257 |
| Average earning assets | $267,018,000 | 2,261 |
| Average equity | $28,061,500 | 2,516 |
| Average total loans | $178,608,000 | 2,383 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2881% | 3,156 |
| Cost of funding earning assets | 0.3884% | 4,057 |
| Net interest margin | 3.8996% | 2,327 |
| Noninterest income to average assets | 1.0956% | 772 |
| Noninterest expense to average assets | 3.0524% | 1,923 |
| Loan and lease loss provision to assets | 0.2072% | 903 |
| Net operating income to assets | 1.1365% | 2,447 |
| Return on assets (ROA) | 1.1365% | 2,448 |
| Pretax return on assets | 1.4418% | 1,981 |
| Return on Equity (ROE) | 12.6078% | 1,507 |
| Retained earnings to average equity (ytd only) | 10.4762% | 530 |
| Net charge-offs to loans | 0.0879% | 1,898 |
| Credit loss provision to net charge-offs | 390.1316% | 841 |
| Earnings coverage of net charge-offs (x) | 31.0526% | 1,560 |
| Efficiency ratio | 64.9253% | 3,041 |
| Assets per employee ($millions) | 3.3423% | 4,707 |
| Cash dividends to net income (ytd only)* | 16.9075% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 2,571 |
| Loan loss allowance to noncurrent loans | 151.7364% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.9310% | 1,479 |
| Noncurrent loans to loans | 0.7909% | 2,027 |
| Net loans and leases to total assets | 62.0406% | 3,561 |
| Net loans and leases to deposits | 69.0604% | 3,899 |
| Net loans and leases to core deposits | 72.7270% | 3,941 |
| Total domestic deposits to total assets | 89.8352% | 532 |
| Equity capital to assets | 9.6248% | 4,025 |
| Core capital (leverage) ratio | 10.0328% | 3,538 |
| Tier 1 risk-based capital ratio | 15.6516% | 2,553 |
| Total risk-based capital ratio | 16.8212% | 2,511 |
| Memoranda: | ||
| Average total assets | $286,238,400 | 2,226 |
| Average earning assets | $264,665,000 | 2,230 |
| Average equity | $25,801,400 | 2,579 |
| Average total loans | $172,985,800 | 2,411 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1907% | 3,352 |
| Cost of funding earning assets | 0.3726% | 4,032 |
| Net interest margin | 3.8181% | 2,580 |
| Noninterest income to average assets | 0.9243% | 1,127 |
| Noninterest expense to average assets | 3.0007% | 2,015 |
| Loan and lease loss provision to assets | 0.0572% | 2,835 |
| Net operating income to assets | 1.1019% | 2,656 |
| Return on assets (ROA) | 1.1019% | 2,672 |
| Pretax return on assets | 1.3967% | 2,240 |
| Return on Equity (ROE) | 12.4329% | 1,626 |
| Retained earnings to average equity (ytd only) | 10.8591% | 678 |
| Net charge-offs to loans | 0.0233% | 2,669 |
| Credit loss provision to net charge-offs | 410.0000% | 810 |
| Earnings coverage of net charge-offs (x) | 104.2308% | 726 |
| Efficiency ratio | 67.3625% | 2,650 |
| Assets per employee ($millions) | 3.4984% | 4,565 |
| Cash dividends to net income (ytd only)* | 12.6582% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 3,755 |
| Loan loss allowance to noncurrent loans | 115.8269% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.9467% | 1,544 |
| Noncurrent loans to loans | 0.8637% | 1,976 |
| Net loans and leases to total assets | 60.3798% | 3,805 |
| Net loans and leases to deposits | 66.6035% | 4,159 |
| Net loans and leases to core deposits | 69.3482% | 4,230 |
| Total domestic deposits to total assets | 90.6557% | 301 |
| Equity capital to assets | 8.8747% | 4,660 |
| Core capital (leverage) ratio | 9.6250% | 4,022 |
| Tier 1 risk-based capital ratio | 15.0212% | 2,872 |
| Total risk-based capital ratio | 15.9830% | 2,924 |
| Memoranda: | ||
| Average total assets | $286,773,500 | 2,241 |
| Average earning assets | $265,148,750 | 2,237 |
| Average equity | $25,415,750 | 2,624 |
| Average total loans | $171,633,000 | 2,437 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0938% | 3,474 |
| Cost of funding earning assets | 0.3671% | 3,960 |
| Net interest margin | 3.7266% | 2,837 |
| Noninterest income to average assets | 0.9289% | 1,111 |
| Noninterest expense to average assets | 3.0259% | 1,978 |
| Loan and lease loss provision to assets | 0.0696% | 2,489 |
| Net operating income to assets | 1.0154% | 2,953 |
| Return on assets (ROA) | 1.0154% | 2,961 |
| Pretax return on assets | 1.2813% | 2,588 |
| Return on Equity (ROE) | 11.4629% | 1,922 |
| Retained earnings to average equity (ytd only) | 9.0814% | 1,186 |
| Net charge-offs to loans | 0.0071% | 2,877 |
| Credit loss provision to net charge-offs | 1,650.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 320.1667% | 287 |
| Efficiency ratio | 69.1356% | 2,459 |
| Assets per employee ($millions) | 3.5067% | 4,587 |
| Cash dividends to net income (ytd only)* | 20.7756% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 3,631 |
| Loan loss allowance to noncurrent loans | 182.5025% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.7526% | 1,979 |
| Noncurrent loans to loans | 0.5662% | 2,718 |
| Net loans and leases to total assets | 58.3319% | 3,958 |
| Net loans and leases to deposits | 64.1585% | 4,270 |
| Net loans and leases to core deposits | 66.9121% | 4,317 |
| Total domestic deposits to total assets | 90.9183% | 268 |
| Equity capital to assets | 8.6315% | 4,856 |
| Core capital (leverage) ratio | 9.3006% | 4,364 |
| Tier 1 risk-based capital ratio | 14.8954% | 2,924 |
| Total risk-based capital ratio | 15.8818% | 2,971 |
| Memoranda: | ||
| Average total assets | $284,408,670 | 2,257 |
| Average earning assets | $263,132,000 | 2,258 |
| Average equity | $25,194,330 | 2,654 |
| Average total loans | $169,100,670 | 2,468 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9945% | 3,629 |
| Cost of funding earning assets | 0.3672% | 3,855 |
| Net interest margin | 3.6273% | 3,081 |
| Noninterest income to average assets | 0.9881% | 934 |
| Noninterest expense to average assets | 3.0917% | 1,849 |
| Loan and lease loss provision to assets | 0.0730% | 2,301 |
| Net operating income to assets | 0.9337% | 3,137 |
| Return on assets (ROA) | 0.9337% | 3,157 |
| Pretax return on assets | 1.1757% | 2,864 |
| Return on Equity (ROE) | 10.3991% | 2,230 |
| Retained earnings to average equity (ytd only) | 8.0067% | 1,832 |
| Net charge-offs to loans | 0.0024% | 2,653 |
| Credit loss provision to net charge-offs | 5,100.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 872.0000% | 74 |
| Efficiency ratio | 71.2306% | 2,309 |
| Assets per employee ($millions) | 3.4801% | 4,682 |
| Cash dividends to net income (ytd only)* | 23.0061% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 3,709 |
| Loan loss allowance to noncurrent loans | 245.7865% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.7083% | 2,203 |
| Noncurrent loans to loans | 0.4243% | 3,268 |
| Net loans and leases to total assets | 57.4876% | 3,991 |
| Net loans and leases to deposits | 63.1969% | 4,263 |
| Net loans and leases to core deposits | 66.2574% | 4,292 |
| Total domestic deposits to total assets | 90.9659% | 333 |
| Equity capital to assets | 8.6183% | 4,887 |
| Core capital (leverage) ratio | 9.5036% | 4,063 |
| Tier 1 risk-based capital ratio | 14.5962% | 3,070 |
| Total risk-based capital ratio | 15.5619% | 3,136 |
| Memoranda: | ||
| Average total assets | $279,332,500 | 2,305 |
| Average earning assets | $258,152,500 | 2,305 |
| Average equity | $25,079,000 | 2,683 |
| Average total loans | $166,842,500 | 2,511 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0591% | 3,207 |
| Cost of funding earning assets | 0.3632% | 3,586 |
| Net interest margin | 3.6958% | 2,813 |
| Noninterest income to average assets | 0.9653% | 1,103 |
| Noninterest expense to average assets | 3.1159% | 1,816 |
| Loan and lease loss provision to assets | 0.0244% | 3,808 |
| Net operating income to assets | 0.6574% | 3,791 |
| Return on assets (ROA) | 0.6574% | 3,829 |
| Pretax return on assets | 1.2360% | 2,607 |
| Return on Equity (ROE) | 7.0416% | 3,254 |
| Retained earnings to average equity (ytd only) | 0.6011% | 4,801 |
| Net charge-offs to loans | 0.0622% | 2,586 |
| Credit loss provision to net charge-offs | 66.3366% | 3,145 |
| Earnings coverage of net charge-offs (x) | 34.2475% | 1,405 |
| Efficiency ratio | 71.1990% | 2,358 |
| Assets per employee ($millions) | 3.1743% | 5,058 |
| Cash dividends to net income (ytd only)* | 91.4634% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 3,773 |
| Loan loss allowance to noncurrent loans | 374.4493% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.6627% | 2,330 |
| Noncurrent loans to loans | 0.2737% | 3,803 |
| Net loans and leases to total assets | 60.8498% | 3,748 |
| Net loans and leases to deposits | 67.5093% | 4,060 |
| Net loans and leases to core deposits | 70.9403% | 4,114 |
| Total domestic deposits to total assets | 90.1355% | 525 |
| Equity capital to assets | 9.3635% | 4,368 |
| Core capital (leverage) ratio | 9.5701% | 3,948 |
| Tier 1 risk-based capital ratio | 14.8940% | 2,893 |
| Total risk-based capital ratio | 15.8698% | 2,956 |
| Memoranda: | ||
| Average total assets | $274,434,200 | 2,319 |
| Average earning assets | $253,284,200 | 2,326 |
| Average equity | $25,619,000 | 2,633 |
| Average total loans | $162,484,800 | 2,514 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 3,391 |
| Cost of funding earning assets | 0.3581% | 3,586 |
| Net interest margin | 3.6329% | 3,031 |
| Noninterest income to average assets | 0.9062% | 1,255 |
| Noninterest expense to average assets | 3.0446% | 1,979 |
| Loan and lease loss provision to assets | 0.0208% | 3,732 |
| Net operating income to assets | 0.8292% | 3,394 |
| Return on assets (ROA) | 0.8292% | 3,425 |
| Pretax return on assets | 1.1926% | 2,939 |
| Return on Equity (ROE) | 8.8895% | 2,675 |
| Retained earnings to average equity (ytd only) | 1.6285% | 4,775 |
| Net charge-offs to loans | 0.0074% | 3,468 |
| Credit loss provision to net charge-offs | 477.7778% | 671 |
| Earnings coverage of net charge-offs (x) | 278.6600% | 328 |
| Efficiency ratio | 71.5032% | 2,280 |
| Assets per employee ($millions) | 3.1922% | 5,076 |
| Cash dividends to net income (ytd only)* | 81.6801% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 3,692 |
| Loan loss allowance to noncurrent loans | 252.9328% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.7405% | 2,281 |
| Noncurrent loans to loans | 0.4216% | 3,439 |
| Net loans and leases to total assets | 59.7475% | 3,895 |
| Net loans and leases to deposits | 66.2759% | 4,232 |
| Net loans and leases to core deposits | 69.5013% | 4,270 |
| Total domestic deposits to total assets | 90.1496% | 424 |
| Equity capital to assets | 9.3914% | 4,554 |
| Core capital (leverage) ratio | 9.5522% | 4,090 |
| Tier 1 risk-based capital ratio | 14.8374% | 2,997 |
| Total risk-based capital ratio | 15.8460% | 3,051 |
| Memoranda: | ||
| Average total assets | $275,589,000 | 2,327 |
| Average earning assets | $254,263,750 | 2,340 |
| Average equity | $25,707,750 | 2,647 |
| Average total loans | $161,635,500 | 2,539 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 3,402 |
| Cost of funding earning assets | 0.3506% | 3,574 |
| Net interest margin | 3.5910% | 3,076 |
| Noninterest income to average assets | 0.8567% | 1,400 |
| Noninterest expense to average assets | 3.0347% | 2,031 |
| Loan and lease loss provision to assets | 0.0087% | 3,754 |
| Net operating income to assets | 0.7849% | 3,462 |
| Return on assets (ROA) | 0.7849% | 3,522 |
| Pretax return on assets | 1.1241% | 3,073 |
| Return on Equity (ROE) | 8.4336% | 2,814 |
| Retained earnings to average equity (ytd only) | 8.4336% | 1,019 |
| Net charge-offs to loans | -0.0125% | 4,607 |
| Credit loss provision to net charge-offs | -120.0000% | 4,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8174% | 2,210 |
| Assets per employee ($millions) | 3.2871% | 4,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 3,768 |
| Loan loss allowance to noncurrent loans | 333.2068% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.6958% | 2,474 |
| Noncurrent loans to loans | 0.3190% | 3,888 |
| Net loans and leases to total assets | 58.4892% | 3,976 |
| Net loans and leases to deposits | 64.9592% | 4,307 |
| Net loans and leases to core deposits | 68.3309% | 4,331 |
| Total domestic deposits to total assets | 90.0400% | 524 |
| Equity capital to assets | 9.5098% | 4,393 |
| Core capital (leverage) ratio | 9.7690% | 3,813 |
| Tier 1 risk-based capital ratio | 15.2659% | 2,821 |
| Total risk-based capital ratio | 16.2670% | 2,856 |
| Memoranda: | ||
| Average total assets | $275,943,000 | 2,337 |
| Average earning assets | $254,410,670 | 2,343 |
| Average equity | $25,683,000 | 2,653 |
| Average total loans | $160,250,330 | 2,563 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9048% | 3,385 |
| Cost of funding earning assets | 0.3484% | 3,550 |
| Net interest margin | 3.5564% | 3,055 |
| Noninterest income to average assets | 0.8519% | 1,390 |
| Noninterest expense to average assets | 3.0458% | 2,028 |
| Loan and lease loss provision to assets | 0.0088% | 3,444 |
| Net operating income to assets | 0.7483% | 3,485 |
| Return on assets (ROA) | 0.7483% | 3,534 |
| Pretax return on assets | 1.0736% | 3,077 |
| Return on Equity (ROE) | 8.1303% | 2,849 |
| Retained earnings to average equity (ytd only) | 8.1303% | 1,405 |
| Net charge-offs to loans | 0.0152% | 2,498 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 123.6667% | 446 |
| Efficiency ratio | 73.7809% | 2,269 |
| Assets per employee ($millions) | 3.3524% | 4,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 3,843 |
| Loan loss allowance to noncurrent loans | 260.7519% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.7605% | 2,398 |
| Noncurrent loans to loans | 0.4131% | 3,610 |
| Net loans and leases to total assets | 57.2378% | 4,039 |
| Net loans and leases to deposits | 63.3313% | 4,346 |
| Net loans and leases to core deposits | 66.3753% | 4,405 |
| Total domestic deposits to total assets | 90.3784% | 522 |
| Equity capital to assets | 9.1857% | 4,629 |
| Core capital (leverage) ratio | 9.6898% | 3,883 |
| Tier 1 risk-based capital ratio | 15.2109% | 2,864 |
| Total risk-based capital ratio | 16.2173% | 2,910 |
| Memoranda: | ||
| Average total assets | $274,211,000 | 2,368 |
| Average earning assets | $252,613,500 | 2,379 |
| Average equity | $25,239,000 | 2,696 |
| Average total loans | $157,786,000 | 2,609 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9813% | 3,265 |
| Cost of funding earning assets | 0.3574% | 3,439 |
| Net interest margin | 3.6239% | 2,986 |
| Noninterest income to average assets | 0.6384% | 2,464 |
| Noninterest expense to average assets | 3.1138% | 1,996 |
| Loan and lease loss provision to assets | 0.0105% | 4,162 |
| Net operating income to assets | 0.5870% | 4,264 |
| Return on assets (ROA) | 0.6106% | 4,281 |
| Pretax return on assets | 0.8427% | 4,040 |
| Return on Equity (ROE) | 6.4631% | 3,754 |
| Retained earnings to average equity (ytd only) | 4.6711% | 2,569 |
| Net charge-offs to loans | 0.0943% | 2,361 |
| Credit loss provision to net charge-offs | 18.9189% | 3,677 |
| Earnings coverage of net charge-offs (x) | 14.7365% | 2,266 |
| Efficiency ratio | 79.1452% | 1,533 |
| Assets per employee ($millions) | 3.2551% | 5,091 |
| Cash dividends to net income (ytd only)* | 27.7264% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 3,598 |
| Loan loss allowance to noncurrent loans | 253.8799% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.7899% | 2,379 |
| Noncurrent loans to loans | 0.4419% | 3,561 |
| Net loans and leases to total assets | 56.5713% | 4,209 |
| Net loans and leases to deposits | 62.6634% | 4,495 |
| Net loans and leases to core deposits | 66.6784% | 4,484 |
| Total domestic deposits to total assets | 90.2781% | 525 |
| Equity capital to assets | 9.2233% | 4,556 |
| Core capital (leverage) ratio | 9.5482% | 4,022 |
| Tier 1 risk-based capital ratio | 15.3761% | 2,802 |
| Total risk-based capital ratio | 16.4138% | 2,830 |
| Memoranda: | ||
| Average total assets | $265,820,800 | 2,389 |
| Average earning assets | $241,756,800 | 2,420 |
| Average equity | $25,111,800 | 2,709 |
| Average total loans | $156,955,600 | 2,555 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 3,188 |
| Cost of funding earning assets | 0.3548% | 3,493 |
| Net interest margin | 3.6568% | 2,866 |
| Noninterest income to average assets | 0.8209% | 1,684 |
| Noninterest expense to average assets | 3.1493% | 1,903 |
| Loan and lease loss provision to assets | 0.0111% | 4,022 |
| Net operating income to assets | 0.6890% | 3,912 |
| Return on assets (ROA) | 0.7197% | 3,880 |
| Pretax return on assets | 1.0214% | 3,546 |
| Return on Equity (ROE) | 7.5727% | 3,253 |
| Retained earnings to average equity (ytd only) | 5.1880% | 2,703 |
| Net charge-offs to loans | 0.1667% | 1,374 |
| Credit loss provision to net charge-offs | 11.1675% | 3,362 |
| Earnings coverage of net charge-offs (x) | 9.9645% | 2,626 |
| Efficiency ratio | 76.1076% | 1,964 |
| Assets per employee ($millions) | 3.3487% | 4,982 |
| Cash dividends to net income (ytd only)* | 31.4907% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 4,005 |
| Loan loss allowance to noncurrent loans | 263.1661% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.9663% | 2,139 |
| Noncurrent loans to loans | 0.4075% | 3,815 |
| Net loans and leases to total assets | 57.0987% | 4,185 |
| Net loans and leases to deposits | 63.4840% | 4,526 |
| Net loans and leases to core deposits | 67.4763% | 4,509 |
| Total domestic deposits to total assets | 89.9418% | 503 |
| Equity capital to assets | 9.5653% | 4,593 |
| Core capital (leverage) ratio | 9.6029% | 4,053 |
| Tier 1 risk-based capital ratio | 14.9490% | 3,080 |
| Total risk-based capital ratio | 15.9332% | 3,139 |
| Memoranda: | ||
| Average total assets | $264,732,500 | 2,406 |
| Average earning assets | $240,132,250 | 2,439 |
| Average equity | $25,160,000 | 2,720 |
| Average total loans | $157,550,750 | 2,558 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0667% | 3,001 |
| Cost of funding earning assets | 0.3570% | 3,488 |
| Net interest margin | 3.7097% | 2,657 |
| Noninterest income to average assets | 0.7602% | 1,889 |
| Noninterest expense to average assets | 3.2358% | 1,725 |
| Loan and lease loss provision to assets | 0.0099% | 3,896 |
| Net operating income to assets | 0.6162% | 4,204 |
| Return on assets (ROA) | 0.6627% | 4,127 |
| Pretax return on assets | 0.9278% | 3,844 |
| Return on Equity (ROE) | 6.9884% | 3,548 |
| Retained earnings to average equity (ytd only) | 3.3737% | 3,751 |
| Net charge-offs to loans | -0.0051% | 4,526 |
| Credit loss provision to net charge-offs | -325.0000% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7688% | 1,684 |
| Assets per employee ($millions) | 3.2318% | 5,160 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 3,476 |
| Loan loss allowance to noncurrent loans | 221.1584% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 1.0174% | 2,105 |
| Noncurrent loans to loans | 0.5328% | 3,480 |
| Net loans and leases to total assets | 58.4995% | 4,071 |
| Net loans and leases to deposits | 64.9992% | 4,420 |
| Net loans and leases to core deposits | 67.9174% | 4,481 |
| Total domestic deposits to total assets | 90.0004% | 487 |
| Equity capital to assets | 9.4736% | 4,794 |
| Core capital (leverage) ratio | 9.4618% | 4,250 |
| Tier 1 risk-based capital ratio | 14.5832% | 3,271 |
| Total risk-based capital ratio | 15.6771% | 3,288 |
| Memoranda: | ||
| Average total assets | $262,563,000 | 2,437 |
| Average earning assets | $236,949,330 | 2,479 |
| Average equity | $24,898,330 | 2,750 |
| Average total loans | $157,883,000 | 2,557 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0892% | 2,884 |
| Cost of funding earning assets | 0.3615% | 3,488 |
| Net interest margin | 3.7277% | 2,563 |
| Noninterest income to average assets | 0.6977% | 2,053 |
| Noninterest expense to average assets | 3.1295% | 2,017 |
| Loan and lease loss provision to assets | 0.0108% | 3,553 |
| Net operating income to assets | 0.6468% | 3,990 |
| Return on assets (ROA) | 0.6468% | 4,110 |
| Pretax return on assets | 0.9087% | 3,814 |
| Return on Equity (ROE) | 6.8178% | 3,550 |
| Retained earnings to average equity (ytd only) | -0.4870% | 5,195 |
| Net charge-offs to loans | -0.0483% | 5,309 |
| Credit loss provision to net charge-offs | -36.8421% | 4,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2917% | 1,994 |
| Assets per employee ($millions) | 3.2159% | 5,253 |
| Cash dividends to net income (ytd only)* | 107.1429% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 3,593 |
| Loan loss allowance to noncurrent loans | 239.7959% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 1.0284% | 2,155 |
| Noncurrent loans to loans | 0.4925% | 3,699 |
| Net loans and leases to total assets | 59.6530% | 3,829 |
| Net loans and leases to deposits | 66.2334% | 4,232 |
| Net loans and leases to core deposits | 69.3530% | 4,283 |
| Total domestic deposits to total assets | 90.0648% | 577 |
| Equity capital to assets | 9.3982% | 4,768 |
| Core capital (leverage) ratio | 9.5004% | 4,198 |
| Tier 1 risk-based capital ratio | 14.3874% | 3,452 |
| Total risk-based capital ratio | 15.4918% | 3,471 |
| Memoranda: | ||
| Average total assets | $259,724,500 | 2,464 |
| Average earning assets | $233,493,000 | 2,518 |
| Average equity | $24,641,500 | 2,777 |
| Average total loans | $157,429,500 | 2,558 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0662% | 3,045 |
| Cost of funding earning assets | 0.3692% | 3,496 |
| Net interest margin | 3.6970% | 2,760 |
| Noninterest income to average assets | 0.4080% | 3,976 |
| Noninterest expense to average assets | 3.1700% | 2,036 |
| Loan and lease loss provision to assets | 0.0098% | 4,208 |
| Net operating income to assets | 0.4178% | 4,997 |
| Return on assets (ROA) | 0.4209% | 5,065 |
| Pretax return on assets | 0.5361% | 5,027 |
| Return on Equity (ROE) | 4.4312% | 4,769 |
| Retained earnings to average equity (ytd only) | 3.8598% | 3,290 |
| Net charge-offs to loans | 0.0933% | 2,500 |
| Credit loss provision to net charge-offs | 17.6056% | 3,766 |
| Earnings coverage of net charge-offs (x) | 9.7746% | 2,779 |
| Efficiency ratio | 85.4002% | 1,053 |
| Assets per employee ($millions) | 3.1189% | 5,393 |
| Cash dividends to net income (ytd only)* | 12.8942% | 4,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 3,535 |
| Loan loss allowance to noncurrent loans | 173.7582% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 1.2426% | 1,728 |
| Noncurrent loans to loans | 0.6854% | 3,143 |
| Net loans and leases to total assets | 60.1449% | 3,819 |
| Net loans and leases to deposits | 66.9461% | 4,226 |
| Net loans and leases to core deposits | 70.5493% | 4,262 |
| Total domestic deposits to total assets | 89.8408% | 701 |
| Equity capital to assets | 9.5797% | 4,462 |
| Core capital (leverage) ratio | 9.5287% | 4,133 |
| Tier 1 risk-based capital ratio | 14.7120% | 3,325 |
| Total risk-based capital ratio | 15.8243% | 3,316 |
| Memoranda: | ||
| Average total assets | $256,117,200 | 2,459 |
| Average earning assets | $228,888,400 | 2,518 |
| Average equity | $24,327,400 | 2,753 |
| Average total loans | $152,242,000 | 2,565 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0437% | 3,151 |
| Cost of funding earning assets | 0.3688% | 3,561 |
| Net interest margin | 3.6749% | 2,870 |
| Noninterest income to average assets | 0.8654% | 1,568 |
| Noninterest expense to average assets | 3.1567% | 2,070 |
| Loan and lease loss provision to assets | 0.0083% | 4,099 |
| Net operating income to assets | 0.6962% | 3,917 |
| Return on assets (ROA) | 0.6999% | 4,013 |
| Pretax return on assets | 0.9825% | 3,680 |
| Return on Equity (ROE) | 7.3846% | 3,413 |
| Retained earnings to average equity (ytd only) | 6.6214% | 1,879 |
| Net charge-offs to loans | 0.1180% | 1,942 |
| Credit loss provision to net charge-offs | 11.9403% | 3,435 |
| Earnings coverage of net charge-offs (x) | 14.1345% | 2,266 |
| Efficiency ratio | 76.2060% | 2,213 |
| Assets per employee ($millions) | 3.1713% | 5,341 |
| Cash dividends to net income (ytd only)* | 10.3346% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 3,704 |
| Loan loss allowance to noncurrent loans | 196.7091% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 1.7281% | 1,251 |
| Noncurrent loans to loans | 0.6056% | 3,501 |
| Net loans and leases to total assets | 59.0982% | 3,999 |
| Net loans and leases to deposits | 65.7602% | 4,403 |
| Net loans and leases to core deposits | 69.0723% | 4,452 |
| Total domestic deposits to total assets | 89.8691% | 633 |
| Equity capital to assets | 9.5756% | 4,665 |
| Core capital (leverage) ratio | 9.6286% | 4,137 |
| Tier 1 risk-based capital ratio | 14.7001% | 3,438 |
| Total risk-based capital ratio | 15.7989% | 3,456 |
| Memoranda: | ||
| Average total assets | $256,209,250 | 2,474 |
| Average earning assets | $228,466,000 | 2,544 |
| Average equity | $24,284,250 | 2,776 |
| Average total loans | $151,384,000 | 2,590 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9982% | 3,298 |
| Cost of funding earning assets | 0.3740% | 3,560 |
| Net interest margin | 3.6243% | 3,001 |
| Noninterest income to average assets | 0.8959% | 1,456 |
| Noninterest expense to average assets | 3.1256% | 2,177 |
| Loan and lease loss provision to assets | 0.0063% | 3,970 |
| Net operating income to assets | 0.7061% | 3,862 |
| Return on assets (ROA) | 0.7061% | 3,983 |
| Pretax return on assets | 0.9956% | 3,603 |
| Return on Equity (ROE) | 7.4755% | 3,335 |
| Retained earnings to average equity (ytd only) | 6.3209% | 2,053 |
| Net charge-offs to loans | -0.1733% | 5,984 |
| Credit loss provision to net charge-offs | -6.1538% | 4,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7270% | 2,410 |
| Assets per employee ($millions) | 3.1646% | 5,391 |
| Cash dividends to net income (ytd only)* | 15.4444% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 2,888 |
| Loan loss allowance to noncurrent loans | 155.5310% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 1.9653% | 1,128 |
| Noncurrent loans to loans | 0.8819% | 2,921 |
| Net loans and leases to total assets | 58.4417% | 4,046 |
| Net loans and leases to deposits | 64.8816% | 4,453 |
| Net loans and leases to core deposits | 68.2310% | 4,469 |
| Total domestic deposits to total assets | 90.0743% | 628 |
| Equity capital to assets | 9.3638% | 4,827 |
| Core capital (leverage) ratio | 9.4574% | 4,328 |
| Tier 1 risk-based capital ratio | 15.0121% | 3,352 |
| Total risk-based capital ratio | 16.2626% | 3,282 |
| Memoranda: | ||
| Average total assets | $254,930,000 | 2,499 |
| Average earning assets | $227,302,000 | 2,565 |
| Average equity | $24,078,670 | 2,804 |
| Average total loans | $150,000,000 | 2,617 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9741% | 3,319 |
| Cost of funding earning assets | 0.3773% | 3,565 |
| Net interest margin | 3.5968% | 3,017 |
| Noninterest income to average assets | 0.8597% | 1,530 |
| Noninterest expense to average assets | 3.1032% | 2,261 |
| Loan and lease loss provision to assets | 0.0032% | 3,667 |
| Net operating income to assets | 0.6776% | 3,906 |
| Return on assets (ROA) | 0.6776% | 4,029 |
| Pretax return on assets | 0.9531% | 3,677 |
| Return on Equity (ROE) | 7.1427% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.1427% | 1,949 |
| Net charge-offs to loans | -0.3403% | 6,174 |
| Credit loss provision to net charge-offs | -1.5873% | 4,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4431% | 2,439 |
| Assets per employee ($millions) | 3.1540% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4125% | 2,860 |
| Loan loss allowance to noncurrent loans | 173.5318% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 1.9747% | 1,204 |
| Noncurrent loans to loans | 0.8140% | 3,211 |
| Net loans and leases to total assets | 57.3179% | 4,046 |
| Net loans and leases to deposits | 63.7410% | 4,397 |
| Net loans and leases to core deposits | 67.0019% | 4,426 |
| Total domestic deposits to total assets | 89.9232% | 778 |
| Equity capital to assets | 9.4870% | 4,764 |
| Core capital (leverage) ratio | 9.6154% | 4,128 |
| Tier 1 risk-based capital ratio | 14.9678% | 3,453 |
| Total risk-based capital ratio | 16.2183% | 3,377 |
| Memoranda: | ||
| Average total assets | $252,646,000 | 2,540 |
| Average earning assets | $224,757,000 | 2,598 |
| Average equity | $23,968,500 | 2,830 |
| Average total loans | $148,118,000 | 2,649 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2056% | 2,940 |
| Cost of funding earning assets | 0.4152% | 3,537 |
| Net interest margin | 3.7904% | 2,659 |
| Noninterest income to average assets | 0.8455% | 1,696 |
| Noninterest expense to average assets | 3.3566% | 1,788 |
| Loan and lease loss provision to assets | 0.0578% | 3,384 |
| Net operating income to assets | 0.5800% | 4,458 |
| Return on assets (ROA) | 0.5836% | 4,529 |
| Pretax return on assets | 0.7872% | 4,303 |
| Return on Equity (ROE) | 6.2758% | 4,011 |
| Retained earnings to average equity (ytd only) | 4.1853% | 3,218 |
| Net charge-offs to loans | 0.3119% | 1,411 |
| Credit loss provision to net charge-offs | 30.9013% | 3,823 |
| Earnings coverage of net charge-offs (x) | 4.4893% | 3,640 |
| Efficiency ratio | 79.9789% | 1,932 |
| Assets per employee ($millions) | 3.0841% | 5,583 |
| Cash dividends to net income (ytd only)* | 33.3104% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 3,255 |
| Loan loss allowance to noncurrent loans | 121.3670% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 2.0927% | 1,184 |
| Noncurrent loans to loans | 1.0995% | 2,633 |
| Net loans and leases to total assets | 58.3364% | 4,012 |
| Net loans and leases to deposits | 64.8483% | 4,447 |
| Net loans and leases to core deposits | 68.2421% | 4,477 |
| Total domestic deposits to total assets | 89.9582% | 748 |
| Equity capital to assets | 9.4870% | 4,739 |
| Core capital (leverage) ratio | 9.5271% | 4,202 |
| Tier 1 risk-based capital ratio | 15.2077% | 3,374 |
| Total risk-based capital ratio | 16.4581% | 3,326 |
| Memoranda: | ||
| Average total assets | $248,975,400 | 2,537 |
| Average earning assets | $220,135,000 | 2,623 |
| Average equity | $23,152,400 | 2,833 |
| Average total loans | $149,387,200 | 2,577 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2273% | 2,898 |
| Cost of funding earning assets | 0.4213% | 3,560 |
| Net interest margin | 3.8061% | 2,602 |
| Noninterest income to average assets | 0.9144% | 1,475 |
| Noninterest expense to average assets | 3.3412% | 1,810 |
| Loan and lease loss provision to assets | 0.0772% | 2,796 |
| Net operating income to assets | 0.6324% | 4,293 |
| Return on assets (ROA) | 0.6351% | 4,387 |
| Pretax return on assets | 0.8651% | 4,123 |
| Return on Equity (ROE) | 6.8648% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.8648% | 1,896 |
| Net charge-offs to loans | 0.3338% | 1,202 |
| Credit loss provision to net charge-offs | 38.4000% | 3,314 |
| Earnings coverage of net charge-offs (x) | 4.6693% | 3,400 |
| Efficiency ratio | 78.0714% | 2,173 |
| Assets per employee ($millions) | 2.9721% | 5,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 3,257 |
| Loan loss allowance to noncurrent loans | 122.1564% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 2.5002% | 1,053 |
| Noncurrent loans to loans | 1.1319% | 2,794 |
| Net loans and leases to total assets | 58.9100% | 3,947 |
| Net loans and leases to deposits | 65.4705% | 4,388 |
| Net loans and leases to core deposits | 69.0257% | 4,411 |
| Total domestic deposits to total assets | 89.9795% | 740 |
| Equity capital to assets | 9.4594% | 4,845 |
| Core capital (leverage) ratio | 9.5415% | 4,315 |
| Tier 1 risk-based capital ratio | 15.1944% | 3,476 |
| Total risk-based capital ratio | 16.4452% | 3,420 |
| Memoranda: | ||
| Average total assets | $248,765,500 | 2,550 |
| Average earning assets | $219,959,750 | 2,640 |
| Average equity | $23,015,500 | 2,854 |
| Average total loans | $149,808,000 | 2,578 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1944% | 2,973 |
| Cost of funding earning assets | 0.4274% | 3,577 |
| Net interest margin | 3.7669% | 2,684 |
| Noninterest income to average assets | 0.8830% | 1,549 |
| Noninterest expense to average assets | 3.2761% | 1,981 |
| Loan and lease loss provision to assets | 0.1135% | 2,136 |
| Net operating income to assets | 0.6166% | 4,266 |
| Return on assets (ROA) | 0.6166% | 4,369 |
| Pretax return on assets | 0.8275% | 4,168 |
| Return on Equity (ROE) | 6.7148% | 3,770 |
| Retained earnings to average equity (ytd only) | 6.7148% | 1,917 |
| Net charge-offs to loans | 0.3799% | 1,068 |
| Credit loss provision to net charge-offs | 49.4737% | 2,802 |
| Earnings coverage of net charge-offs (x) | 4.1018% | 3,174 |
| Efficiency ratio | 77.6866% | 2,341 |
| Assets per employee ($millions) | 3.0734% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 3,130 |
| Loan loss allowance to noncurrent loans | 58.8719% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 3.2204% | 769 |
| Noncurrent loans to loans | 2.4559% | 1,274 |
| Net loans and leases to total assets | 58.8703% | 3,882 |
| Net loans and leases to deposits | 65.3305% | 4,346 |
| Net loans and leases to core deposits | 68.8742% | 4,380 |
| Total domestic deposits to total assets | 90.1114% | 751 |
| Equity capital to assets | 9.3555% | 4,912 |
| Core capital (leverage) ratio | 9.4377% | 4,417 |
| Tier 1 risk-based capital ratio | 14.9239% | 3,680 |
| Total risk-based capital ratio | 16.1757% | 3,620 |
| Memoranda: | ||
| Average total assets | $248,468,330 | 2,558 |
| Average earning assets | $219,914,000 | 2,642 |
| Average equity | $22,815,330 | 2,872 |
| Average total loans | $150,032,330 | 2,578 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1633% | 3,020 |
| Cost of funding earning assets | 0.4307% | 3,644 |
| Net interest margin | 3.7326% | 2,739 |
| Noninterest income to average assets | 0.9749% | 1,186 |
| Noninterest expense to average assets | 3.1857% | 2,278 |
| Loan and lease loss provision to assets | 0.2063% | 1,122 |
| Net operating income to assets | 0.6446% | 3,975 |
| Return on assets (ROA) | 0.6446% | 4,068 |
| Pretax return on assets | 0.8927% | 3,727 |
| Return on Equity (ROE) | 7.0865% | 3,422 |
| Retained earnings to average equity (ytd only) | 7.0865% | 1,994 |
| Net charge-offs to loans | 0.2893% | 1,196 |
| Credit loss provision to net charge-offs | 117.4312% | 1,480 |
| Earnings coverage of net charge-offs (x) | 6.2569% | 2,249 |
| Efficiency ratio | 74.3513% | 3,076 |
| Assets per employee ($millions) | 3.0534% | 5,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 2,905 |
| Loan loss allowance to noncurrent loans | 51.2066% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 4.1178% | 558 |
| Noncurrent loans to loans | 3.0349% | 1,039 |
| Net loans and leases to total assets | 58.5213% | 3,759 |
| Net loans and leases to deposits | 64.7185% | 4,238 |
| Net loans and leases to core deposits | 68.1900% | 4,289 |
| Total domestic deposits to total assets | 90.4244% | 846 |
| Equity capital to assets | 9.0907% | 5,011 |
| Core capital (leverage) ratio | 9.3667% | 4,482 |
| Tier 1 risk-based capital ratio | 14.5641% | 3,973 |
| Total risk-based capital ratio | 15.8165% | 3,921 |
| Memoranda: | ||
| Average total assets | $248,230,500 | 2,575 |
| Average earning assets | $220,113,000 | 2,652 |
| Average equity | $22,578,000 | 2,883 |
| Average total loans | $150,696,500 | 2,567 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3386% | 2,814 |
| Cost of funding earning assets | 0.4685% | 3,931 |
| Net interest margin | 3.8701% | 2,398 |
| Noninterest income to average assets | 0.8582% | 1,835 |
| Noninterest expense to average assets | 3.2297% | 2,330 |
| Loan and lease loss provision to assets | 0.4254% | 695 |
| Net operating income to assets | 0.5043% | 4,713 |
| Return on assets (ROA) | 0.5043% | 4,846 |
| Pretax return on assets | 0.6602% | 4,666 |
| Return on Equity (ROE) | 5.5970% | 4,330 |
| Retained earnings to average equity (ytd only) | 5.5970% | 2,222 |
| Net charge-offs to loans | 0.7729% | 814 |
| Credit loss provision to net charge-offs | 86.1869% | 2,869 |
| Earnings coverage of net charge-offs (x) | 2.1993% | 4,292 |
| Efficiency ratio | 74.8415% | 2,978 |
| Assets per employee ($millions) | 2.9649% | 5,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 3,166 |
| Loan loss allowance to noncurrent loans | 49.7506% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 3.5476% | 817 |
| Noncurrent loans to loans | 3.0225% | 1,142 |
| Net loans and leases to total assets | 61.0613% | 3,525 |
| Net loans and leases to deposits | 67.5626% | 4,114 |
| Net loans and leases to core deposits | 71.4370% | 4,136 |
| Total domestic deposits to total assets | 90.3773% | 889 |
| Equity capital to assets | 9.1006% | 4,922 |
| Core capital (leverage) ratio | 9.2180% | 4,696 |
| Tier 1 risk-based capital ratio | 14.2422% | 4,122 |
| Total risk-based capital ratio | 15.4949% | 4,063 |
| Memoranda: | ||
| Average total assets | $244,917,200 | 2,578 |
| Average earning assets | $218,782,000 | 2,632 |
| Average equity | $22,065,400 | 2,922 |
| Average total loans | $156,414,200 | 2,468 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3244% | 2,892 |
| Cost of funding earning assets | 0.4736% | 4,032 |
| Net interest margin | 3.8507% | 2,463 |
| Noninterest income to average assets | 0.7532% | 2,354 |
| Noninterest expense to average assets | 3.2032% | 2,357 |
| Loan and lease loss provision to assets | 0.4840% | 572 |
| Net operating income to assets | 0.4262% | 5,133 |
| Return on assets (ROA) | 0.4262% | 5,278 |
| Pretax return on assets | 0.5091% | 5,330 |
| Return on Equity (ROE) | 4.7429% | 4,856 |
| Retained earnings to average equity (ytd only) | 4.7429% | 3,276 |
| Net charge-offs to loans | 0.9048% | 642 |
| Credit loss provision to net charge-offs | 83.1461% | 2,773 |
| Earnings coverage of net charge-offs (x) | 1.7060% | 4,273 |
| Efficiency ratio | 76.3346% | 2,677 |
| Assets per employee ($millions) | 2.9228% | 5,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 3,643 |
| Loan loss allowance to noncurrent loans | 32.4790% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 4.8001% | 604 |
| Noncurrent loans to loans | 4.4942% | 722 |
| Net loans and leases to total assets | 62.7192% | 3,216 |
| Net loans and leases to deposits | 69.1449% | 3,914 |
| Net loans and leases to core deposits | 73.2191% | 3,947 |
| Total domestic deposits to total assets | 90.7070% | 652 |
| Equity capital to assets | 8.8629% | 5,340 |
| Core capital (leverage) ratio | 9.0517% | 5,046 |
| Tier 1 risk-based capital ratio | 13.6590% | 4,657 |
| Total risk-based capital ratio | 14.9109% | 4,607 |
| Memoranda: | ||
| Average total assets | $244,625,500 | 2,593 |
| Average earning assets | $218,724,250 | 2,645 |
| Average equity | $21,983,000 | 2,966 |
| Average total loans | $157,378,750 | 2,465 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3193% | 2,868 |
| Cost of funding earning assets | 0.4797% | 4,103 |
| Net interest margin | 3.8396% | 2,410 |
| Noninterest income to average assets | 0.7203% | 2,549 |
| Noninterest expense to average assets | 3.1892% | 2,383 |
| Loan and lease loss provision to assets | 0.3782% | 854 |
| Net operating income to assets | 0.4887% | 4,848 |
| Return on assets (ROA) | 0.4887% | 5,021 |
| Pretax return on assets | 0.5992% | 5,016 |
| Return on Equity (ROE) | 5.4132% | 4,510 |
| Retained earnings to average equity (ytd only) | 5.4132% | 2,797 |
| Net charge-offs to loans | 0.6479% | 1,014 |
| Credit loss provision to net charge-offs | 90.4110% | 2,428 |
| Earnings coverage of net charge-offs (x) | 2.3366% | 3,739 |
| Efficiency ratio | 76.5422% | 2,703 |
| Assets per employee ($millions) | 2.9759% | 5,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5434% | 3,392 |
| Loan loss allowance to noncurrent loans | 42.6877% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 4.4004% | 754 |
| Noncurrent loans to loans | 3.6157% | 1,143 |
| Net loans and leases to total assets | 62.2661% | 3,239 |
| Net loans and leases to deposits | 68.7448% | 3,900 |
| Net loans and leases to core deposits | 72.7673% | 3,957 |
| Total domestic deposits to total assets | 90.5757% | 718 |
| Equity capital to assets | 8.9558% | 5,258 |
| Core capital (leverage) ratio | 8.9828% | 5,021 |
| Tier 1 risk-based capital ratio | 13.5644% | 4,733 |
| Total risk-based capital ratio | 14.8174% | 4,691 |
| Memoranda: | ||
| Average total assets | $244,328,000 | 2,611 |
| Average earning assets | $219,295,670 | 2,647 |
| Average equity | $22,057,330 | 2,980 |
| Average total loans | $157,749,000 | 2,469 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3199% | 2,810 |
| Cost of funding earning assets | 0.4959% | 4,129 |
| Net interest margin | 3.8240% | 2,364 |
| Noninterest income to average assets | 0.8758% | 1,845 |
| Noninterest expense to average assets | 3.2018% | 2,348 |
| Loan and lease loss provision to assets | 0.3803% | 840 |
| Net operating income to assets | 0.5548% | 4,433 |
| Return on assets (ROA) | 0.5548% | 4,588 |
| Pretax return on assets | 0.7210% | 4,482 |
| Return on Equity (ROE) | 6.1202% | 3,974 |
| Retained earnings to average equity (ytd only) | 6.1202% | 2,613 |
| Net charge-offs to loans | 0.4037% | 1,445 |
| Credit loss provision to net charge-offs | 144.3750% | 1,403 |
| Earnings coverage of net charge-offs (x) | 4.1813% | 2,605 |
| Efficiency ratio | 74.4070% | 3,192 |
| Assets per employee ($millions) | 3.0134% | 5,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5919% | 3,430 |
| Loan loss allowance to noncurrent loans | 32.7638% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 5.3558% | 651 |
| Noncurrent loans to loans | 4.8587% | 796 |
| Net loans and leases to total assets | 63.3197% | 2,829 |
| Net loans and leases to deposits | 69.8780% | 3,500 |
| Net loans and leases to core deposits | 73.7477% | 3,614 |
| Total domestic deposits to total assets | 90.6146% | 708 |
| Equity capital to assets | 8.9572% | 5,546 |
| Core capital (leverage) ratio | 9.0080% | 4,871 |
| Tier 1 risk-based capital ratio | 13.2404% | 5,047 |
| Total risk-based capital ratio | 14.4938% | 4,999 |
| Memoranda: | ||
| Average total assets | $242,991,500 | 2,650 |
| Average earning assets | $217,785,000 | 2,693 |
| Average equity | $22,025,500 | 3,023 |
| Average total loans | $158,519,000 | 2,469 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 2,543 |
| Cost of funding earning assets | 0.5917% | 4,425 |
| Net interest margin | 4.1216% | 1,916 |
| Noninterest income to average assets | 0.6058% | 3,247 |
| Noninterest expense to average assets | 3.3078% | 2,312 |
| Loan and lease loss provision to assets | 0.4851% | 1,260 |
| Net operating income to assets | 0.3906% | 5,136 |
| Return on assets (ROA) | 0.4194% | 5,275 |
| Pretax return on assets | 0.5120% | 5,247 |
| Return on Equity (ROE) | 4.7802% | 4,794 |
| Retained earnings to average equity (ytd only) | 4.7802% | 2,862 |
| Net charge-offs to loans | 1.0457% | 1,027 |
| Credit loss provision to net charge-offs | 72.4244% | 4,088 |
| Earnings coverage of net charge-offs (x) | 1.4362% | 4,730 |
| Efficiency ratio | 77.4702% | 2,522 |
| Assets per employee ($millions) | 2.9492% | 6,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5565% | 3,494 |
| Loan loss allowance to noncurrent loans | 35.1328% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 5.3465% | 707 |
| Noncurrent loans to loans | 4.4304% | 971 |
| Net loans and leases to total assets | 65.1298% | 2,687 |
| Net loans and leases to deposits | 72.0132% | 3,409 |
| Net loans and leases to core deposits | 75.9516% | 3,543 |
| Total domestic deposits to total assets | 90.4415% | 731 |
| Equity capital to assets | 9.1751% | 5,304 |
| Core capital (leverage) ratio | 9.0229% | 4,869 |
| Tier 1 risk-based capital ratio | 13.1339% | 5,013 |
| Total risk-based capital ratio | 14.3872% | 4,957 |
| Memoranda: | ||
| Average total assets | $242,006,200 | 2,615 |
| Average earning assets | $215,134,600 | 2,677 |
| Average equity | $21,233,200 | 3,071 |
| Average total loans | $155,009,200 | 2,505 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7555% | 2,561 |
| Cost of funding earning assets | 0.6133% | 4,510 |
| Net interest margin | 4.1421% | 1,932 |
| Noninterest income to average assets | 0.4789% | 4,069 |
| Noninterest expense to average assets | 3.2818% | 2,321 |
| Loan and lease loss provision to assets | 0.5179% | 1,169 |
| Net operating income to assets | 0.3087% | 5,587 |
| Return on assets (ROA) | 0.3493% | 5,638 |
| Pretax return on assets | 0.4014% | 5,715 |
| Return on Equity (ROE) | 4.0261% | 5,282 |
| Retained earnings to average equity (ytd only) | 4.0261% | 4,055 |
| Net charge-offs to loans | 0.9707% | 1,097 |
| Credit loss provision to net charge-offs | 83.9715% | 3,498 |
| Earnings coverage of net charge-offs (x) | 1.4150% | 4,583 |
| Efficiency ratio | 78.9954% | 2,238 |
| Assets per employee ($millions) | 2.9439% | 6,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7444% | 2,982 |
| Loan loss allowance to noncurrent loans | 39.8423% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 5.3007% | 817 |
| Noncurrent loans to loans | 4.3784% | 1,098 |
| Net loans and leases to total assets | 64.4365% | 2,948 |
| Net loans and leases to deposits | 71.1872% | 3,722 |
| Net loans and leases to core deposits | 74.4971% | 3,909 |
| Total domestic deposits to total assets | 90.5170% | 595 |
| Equity capital to assets | 9.0389% | 5,790 |
| Core capital (leverage) ratio | 8.9497% | 5,133 |
| Tier 1 risk-based capital ratio | 13.0267% | 5,217 |
| Total risk-based capital ratio | 14.2823% | 5,174 |
| Memoranda: | ||
| Average total assets | $242,786,250 | 2,627 |
| Average earning assets | $215,438,500 | 2,692 |
| Average equity | $21,062,000 | 3,113 |
| Average total loans | $154,250,000 | 2,539 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7192% | 2,842 |
| Cost of funding earning assets | 0.6434% | 4,497 |
| Net interest margin | 4.0758% | 2,183 |
| Noninterest income to average assets | 0.2743% | 5,617 |
| Noninterest expense to average assets | 3.2199% | 2,524 |
| Loan and lease loss provision to assets | 0.5831% | 1,031 |
| Net operating income to assets | 0.1187% | 6,120 |
| Return on assets (ROA) | 0.1883% | 6,127 |
| Pretax return on assets | 0.1515% | 6,225 |
| Return on Equity (ROE) | 2.2012% | 5,986 |
| Retained earnings to average equity (ytd only) | 2.2012% | 5,091 |
| Net charge-offs to loans | 0.5966% | 1,819 |
| Credit loss provision to net charge-offs | 155.4585% | 1,783 |
| Earnings coverage of net charge-offs (x) | 1.7729% | 4,094 |
| Efficiency ratio | 82.8836% | 1,765 |
| Assets per employee ($millions) | 2.8550% | 6,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0440% | 2,122 |
| Loan loss allowance to noncurrent loans | 40.1473% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 5.6413% | 777 |
| Noncurrent loans to loans | 5.0912% | 953 |
| Net loans and leases to total assets | 62.4439% | 3,346 |
| Net loans and leases to deposits | 68.6371% | 4,100 |
| Net loans and leases to core deposits | 71.5763% | 4,343 |
| Total domestic deposits to total assets | 90.9768% | 454 |
| Equity capital to assets | 8.6293% | 6,095 |
| Core capital (leverage) ratio | 8.5467% | 5,585 |
| Tier 1 risk-based capital ratio | 12.7907% | 5,348 |
| Total risk-based capital ratio | 14.0497% | 5,313 |
| Memoranda: | ||
| Average total assets | $244,229,000 | 2,609 |
| Average earning assets | $216,351,670 | 2,686 |
| Average equity | $20,898,000 | 3,118 |
| Average total loans | $153,539,330 | 2,558 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7730% | 2,747 |
| Cost of funding earning assets | 0.6926% | 4,345 |
| Net interest margin | 4.0803% | 2,171 |
| Noninterest income to average assets | 0.7526% | 2,382 |
| Noninterest expense to average assets | 3.2326% | 2,499 |
| Loan and lease loss provision to assets | 0.3771% | 1,675 |
| Net operating income to assets | 0.5627% | 4,533 |
| Return on assets (ROA) | 0.6122% | 4,506 |
| Pretax return on assets | 0.8261% | 4,315 |
| Return on Equity (ROE) | 7.1851% | 3,667 |
| Retained earnings to average equity (ytd only) | 7.1851% | 2,328 |
| Net charge-offs to loans | 0.5518% | 1,707 |
| Credit loss provision to net charge-offs | 109.4787% | 2,138 |
| Earnings coverage of net charge-offs (x) | 3.2986% | 2,890 |
| Efficiency ratio | 73.9910% | 3,102 |
| Assets per employee ($millions) | 2.9401% | 6,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9422% | 2,548 |
| Loan loss allowance to noncurrent loans | 34.4147% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 5.9591% | 794 |
| Noncurrent loans to loans | 5.6435% | 931 |
| Net loans and leases to total assets | 59.8587% | 3,697 |
| Net loans and leases to deposits | 65.7253% | 4,416 |
| Net loans and leases to core deposits | 68.4655% | 4,635 |
| Total domestic deposits to total assets | 91.0740% | 520 |
| Equity capital to assets | 8.5271% | 6,062 |
| Core capital (leverage) ratio | 8.6323% | 5,403 |
| Tier 1 risk-based capital ratio | 12.9606% | 5,245 |
| Total risk-based capital ratio | 14.2180% | 5,209 |
| Memoranda: | ||
| Average total assets | $245,006,500 | 2,612 |
| Average earning assets | $217,139,000 | 2,682 |
| Average equity | $20,876,500 | 3,120 |
| Average total loans | $152,960,500 | 2,587 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0801% | 2,529 |
| Cost of funding earning assets | 1.0375% | 3,110 |
| Net interest margin | 4.0426% | 2,666 |
| Noninterest income to average assets | 0.5162% | 3,743 |
| Noninterest expense to average assets | 3.4375% | 2,145 |
| Loan and lease loss provision to assets | 0.5649% | 1,846 |
| Net operating income to assets | 0.1145% | 5,835 |
| Return on assets (ROA) | 0.1644% | 5,831 |
| Pretax return on assets | 0.1295% | 5,923 |
| Return on Equity (ROE) | 2.1181% | 5,612 |
| Retained earnings to average equity (ytd only) | 2.1181% | 4,705 |
| Net charge-offs to loans | 0.6214% | 2,593 |
| Credit loss provision to net charge-offs | 138.7160% | 2,131 |
| Earnings coverage of net charge-offs (x) | 1.5827% | 4,586 |
| Efficiency ratio | 84.2100% | 1,742 |
| Assets per employee ($millions) | 2.9640% | 6,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8742% | 2,649 |
| Loan loss allowance to noncurrent loans | 33.0492% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 6.3786% | 746 |
| Noncurrent loans to loans | 5.6708% | 917 |
| Net loans and leases to total assets | 62.6440% | 3,482 |
| Net loans and leases to deposits | 68.7571% | 4,319 |
| Net loans and leases to core deposits | 71.6578% | 4,575 |
| Total domestic deposits to total assets | 91.1092% | 465 |
| Equity capital to assets | 8.5144% | 6,134 |
| Core capital (leverage) ratio | 8.3403% | 5,791 |
| Tier 1 risk-based capital ratio | 12.4515% | 5,489 |
| Total risk-based capital ratio | 13.7080% | 5,464 |
| Memoranda: | ||
| Average total assets | $252,423,600 | 2,497 |
| Average earning assets | $222,652,000 | 2,581 |
| Average equity | $19,592,600 | 3,200 |
| Average total loans | $165,436,000 | 2,423 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1146% | 2,534 |
| Cost of funding earning assets | 1.1177% | 2,856 |
| Net interest margin | 3.9969% | 2,923 |
| Noninterest income to average assets | 0.6395% | 2,941 |
| Noninterest expense to average assets | 3.2248% | 2,749 |
| Loan and lease loss provision to assets | 0.6359% | 1,541 |
| Net operating income to assets | 0.2727% | 5,497 |
| Return on assets (ROA) | 0.2732% | 5,655 |
| Pretax return on assets | 0.3051% | 5,693 |
| Return on Equity (ROE) | 3.6029% | 5,172 |
| Retained earnings to average equity (ytd only) | 3.6029% | 4,182 |
| Net charge-offs to loans | 0.5762% | 2,524 |
| Credit loss provision to net charge-offs | 167.3554% | 1,811 |
| Earnings coverage of net charge-offs (x) | 2.4752% | 3,889 |
| Efficiency ratio | 77.4218% | 2,621 |
| Assets per employee ($millions) | 3.1958% | 5,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8913% | 2,641 |
| Loan loss allowance to noncurrent loans | 33.9789% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 6.1699% | 854 |
| Noncurrent loans to loans | 5.5661% | 1,056 |
| Net loans and leases to total assets | 60.8694% | 3,968 |
| Net loans and leases to deposits | 67.7991% | 4,645 |
| Net loans and leases to core deposits | 71.4125% | 4,784 |
| Total domestic deposits to total assets | 89.7791% | 989 |
| Equity capital to assets | 7.8220% | 6,796 |
| Core capital (leverage) ratio | 7.6444% | 6,676 |
| Tier 1 risk-based capital ratio | 11.5177% | 6,234 |
| Total risk-based capital ratio | 12.7748% | 6,217 |
| Memoranda: | ||
| Average total assets | $254,767,500 | 2,485 |
| Average earning assets | $224,735,000 | 2,569 |
| Average equity | $19,317,250 | 3,241 |
| Average total loans | $168,004,250 | 2,410 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1642% | 2,400 |
| Cost of funding earning assets | 1.1539% | 2,876 |
| Net interest margin | 4.0104% | 2,789 |
| Noninterest income to average assets | 0.5384% | 3,571 |
| Noninterest expense to average assets | 3.2012% | 2,894 |
| Loan and lease loss provision to assets | 0.7160% | 1,313 |
| Net operating income to assets | 0.1768% | 5,810 |
| Return on assets (ROA) | 0.1768% | 5,909 |
| Pretax return on assets | 0.1533% | 6,013 |
| Return on Equity (ROE) | 2.3572% | 5,658 |
| Retained earnings to average equity (ytd only) | 2.3572% | 4,788 |
| Net charge-offs to loans | 0.5937% | 2,335 |
| Credit loss provision to net charge-offs | 179.3307% | 1,685 |
| Earnings coverage of net charge-offs (x) | 2.1772% | 3,753 |
| Efficiency ratio | 78.6445% | 2,604 |
| Assets per employee ($millions) | 3.1363% | 5,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7538% | 3,139 |
| Loan loss allowance to noncurrent loans | 34.0861% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 5.8849% | 961 |
| Noncurrent loans to loans | 5.1451% | 1,258 |
| Net loans and leases to total assets | 62.6896% | 3,746 |
| Net loans and leases to deposits | 70.9927% | 4,294 |
| Net loans and leases to core deposits | 74.7578% | 4,475 |
| Total domestic deposits to total assets | 88.3044% | 1,961 |
| Equity capital to assets | 7.4849% | 6,953 |
| Core capital (leverage) ratio | 7.5388% | 6,717 |
| Tier 1 risk-based capital ratio | 10.9183% | 6,593 |
| Total risk-based capital ratio | 12.1734% | 6,557 |
| Memoranda: | ||
| Average total assets | $254,469,330 | 2,502 |
| Average earning assets | $224,118,000 | 2,594 |
| Average equity | $19,090,330 | 3,257 |
| Average total loans | $171,132,330 | 2,395 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2045% | 2,207 |
| Cost of funding earning assets | 1.1884% | 2,890 |
| Net interest margin | 4.0161% | 2,622 |
| Noninterest income to average assets | 0.8062% | 2,006 |
| Noninterest expense to average assets | 3.2916% | 2,587 |
| Loan and lease loss provision to assets | 0.7251% | 1,165 |
| Net operating income to assets | 0.2894% | 5,459 |
| Return on assets (ROA) | 0.2894% | 5,534 |
| Pretax return on assets | 0.3308% | 5,560 |
| Return on Equity (ROE) | 3.8532% | 4,980 |
| Retained earnings to average equity (ytd only) | 3.8532% | 3,862 |
| Net charge-offs to loans | 0.6312% | 1,940 |
| Credit loss provision to net charge-offs | 166.4234% | 1,747 |
| Earnings coverage of net charge-offs (x) | 2.4234% | 3,106 |
| Efficiency ratio | 75.7132% | 3,205 |
| Assets per employee ($millions) | 3.0774% | 5,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5677% | 3,882 |
| Loan loss allowance to noncurrent loans | 27.9659% | 6,412 |
| Noncurrent assets plus other real estate owned to assets | 6.8575% | 790 |
| Noncurrent loans to loans | 5.6056% | 1,162 |
| Net loans and leases to total assets | 66.1751% | 2,962 |
| Net loans and leases to deposits | 74.9917% | 3,586 |
| Net loans and leases to core deposits | 79.0210% | 3,880 |
| Total domestic deposits to total assets | 88.2432% | 2,230 |
| Equity capital to assets | 7.4491% | 6,891 |
| Core capital (leverage) ratio | 7.7665% | 6,495 |
| Tier 1 risk-based capital ratio | 10.6215% | 6,738 |
| Total risk-based capital ratio | 11.8747% | 6,719 |
| Memoranda: | ||
| Average total assets | $251,548,500 | 2,556 |
| Average earning assets | $221,806,000 | 2,640 |
| Average equity | $18,893,500 | 3,269 |
| Average total loans | $173,648,000 | 2,380 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6646% | 1,699 |
| Cost of funding earning assets | 1.6110% | 2,006 |
| Net interest margin | 4.0536% | 2,790 |
| Noninterest income to average assets | 0.7860% | 2,347 |
| Noninterest expense to average assets | 3.2466% | 2,927 |
| Loan and lease loss provision to assets | 0.9164% | 1,785 |
| Net operating income to assets | 0.1928% | 5,288 |
| Return on assets (ROA) | 0.2640% | 5,225 |
| Pretax return on assets | 0.2911% | 5,254 |
| Return on Equity (ROE) | 3.5171% | 4,744 |
| Retained earnings to average equity (ytd only) | 3.5171% | 3,396 |
| Net charge-offs to loans | 1.0225% | 2,152 |
| Credit loss provision to net charge-offs | 121.1313% | 3,473 |
| Earnings coverage of net charge-offs (x) | 1.4925% | 4,636 |
| Efficiency ratio | 74.1950% | 3,358 |
| Assets per employee ($millions) | 2.9485% | 6,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4296% | 4,379 |
| Loan loss allowance to noncurrent loans | 26.3849% | 6,515 |
| Noncurrent assets plus other real estate owned to assets | 7.0231% | 777 |
| Noncurrent loans to loans | 5.4182% | 1,216 |
| Net loans and leases to total assets | 69.8773% | 2,561 |
| Net loans and leases to deposits | 79.4000% | 3,275 |
| Net loans and leases to core deposits | 83.7982% | 3,628 |
| Total domestic deposits to total assets | 88.0066% | 2,247 |
| Equity capital to assets | 7.5746% | 6,836 |
| Core capital (leverage) ratio | 7.6445% | 6,584 |
| Tier 1 risk-based capital ratio | 10.4368% | 6,735 |
| Total risk-based capital ratio | 11.6882% | 6,716 |
| Memoranda: | ||
| Average total assets | $247,701,800 | 2,563 |
| Average earning assets | $219,361,200 | 2,641 |
| Average equity | $18,595,000 | 3,337 |
| Average total loans | $183,275,600 | 2,314 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6768% | 1,787 |
| Cost of funding earning assets | 1.7013% | 1,873 |
| Net interest margin | 3.9755% | 3,209 |
| Noninterest income to average assets | 0.8031% | 2,223 |
| Noninterest expense to average assets | 3.2306% | 2,817 |
| Loan and lease loss provision to assets | 0.9748% | 1,533 |
| Net operating income to assets | 0.1227% | 5,708 |
| Return on assets (ROA) | 0.2110% | 5,639 |
| Pretax return on assets | 0.2078% | 5,712 |
| Return on Equity (ROE) | 2.8170% | 5,299 |
| Retained earnings to average equity (ytd only) | 2.8170% | 4,456 |
| Net charge-offs to loans | 1.1512% | 1,770 |
| Credit loss provision to net charge-offs | 113.2583% | 3,703 |
| Earnings coverage of net charge-offs (x) | 1.2714% | 4,804 |
| Efficiency ratio | 74.6982% | 3,199 |
| Assets per employee ($millions) | 2.9205% | 6,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 5,008 |
| Loan loss allowance to noncurrent loans | 23.1197% | 6,751 |
| Noncurrent assets plus other real estate owned to assets | 6.8168% | 808 |
| Noncurrent loans to loans | 5.5912% | 1,175 |
| Net loans and leases to total assets | 71.5787% | 2,342 |
| Net loans and leases to deposits | 81.3455% | 3,210 |
| Net loans and leases to core deposits | 86.0282% | 3,650 |
| Total domestic deposits to total assets | 87.9935% | 1,964 |
| Equity capital to assets | 7.6168% | 7,047 |
| Core capital (leverage) ratio | 7.6027% | 6,765 |
| Tier 1 risk-based capital ratio | 10.1218% | 6,998 |
| Total risk-based capital ratio | 11.3716% | 6,981 |
| Memoranda: | ||
| Average total assets | $247,709,750 | 2,598 |
| Average earning assets | $219,436,000 | 2,673 |
| Average equity | $18,553,750 | 3,381 |
| Average total loans | $185,200,750 | 2,326 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7048% | 1,743 |
| Cost of funding earning assets | 1.7869% | 1,698 |
| Net interest margin | 3.9179% | 3,361 |
| Noninterest income to average assets | 0.7498% | 2,393 |
| Noninterest expense to average assets | 3.2820% | 2,620 |
| Loan and lease loss provision to assets | 1.0988% | 1,303 |
| Net operating income to assets | -0.0124% | 6,095 |
| Return on assets (ROA) | 0.0315% | 6,131 |
| Pretax return on assets | -0.0759% | 6,223 |
| Return on Equity (ROE) | 0.4231% | 6,106 |
| Retained earnings to average equity (ytd only) | 0.4231% | 5,598 |
| Net charge-offs to loans | 1.5589% | 1,223 |
| Credit loss provision to net charge-offs | 93.3425% | 4,320 |
| Earnings coverage of net charge-offs (x) | 0.8106% | 4,961 |
| Efficiency ratio | 77.4747% | 2,816 |
| Assets per employee ($millions) | 2.9373% | 6,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 5,971 |
| Loan loss allowance to noncurrent loans | 29.8108% | 6,380 |
| Noncurrent assets plus other real estate owned to assets | 5.6094% | 1,088 |
| Noncurrent loans to loans | 3.6694% | 2,137 |
| Net loans and leases to total assets | 73.9155% | 1,925 |
| Net loans and leases to deposits | 83.8383% | 2,900 |
| Net loans and leases to core deposits | 89.1921% | 3,386 |
| Total domestic deposits to total assets | 88.1643% | 1,915 |
| Equity capital to assets | 7.5317% | 7,091 |
| Core capital (leverage) ratio | 7.4117% | 6,911 |
| Tier 1 risk-based capital ratio | 9.7554% | 7,157 |
| Total risk-based capital ratio | 10.8288% | 7,232 |
| Memoranda: | ||
| Average total assets | $247,533,000 | 2,626 |
| Average earning assets | $220,270,330 | 2,681 |
| Average equity | $18,435,670 | 3,383 |
| Average total loans | $186,929,670 | 2,344 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5765% | 2,256 |
| Cost of funding earning assets | 1.8390% | 1,702 |
| Net interest margin | 3.7375% | 4,061 |
| Noninterest income to average assets | 0.6857% | 2,690 |
| Noninterest expense to average assets | 3.1734% | 2,963 |
| Loan and lease loss provision to assets | 1.4181% | 838 |
| Net operating income to assets | -0.2791% | 6,640 |
| Return on assets (ROA) | -0.2791% | 6,700 |
| Pretax return on assets | -0.5679% | 6,828 |
| Return on Equity (ROE) | -3.7687% | 6,807 |
| Retained earnings to average equity (ytd only) | -3.7687% | 6,474 |
| Net charge-offs to loans | 2.5462% | 640 |
| Credit loss provision to net charge-offs | 73.3723% | 4,025 |
| Earnings coverage of net charge-offs (x) | 0.4399% | 4,636 |
| Efficiency ratio | 78.8693% | 2,746 |
| Assets per employee ($millions) | 3.0287% | 6,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 6,626 |
| Loan loss allowance to noncurrent loans | 22.4865% | 6,881 |
| Noncurrent assets plus other real estate owned to assets | 5.4519% | 1,136 |
| Noncurrent loans to loans | 4.2860% | 1,779 |
| Net loans and leases to total assets | 73.4173% | 2,103 |
| Net loans and leases to deposits | 84.8174% | 2,798 |
| Net loans and leases to core deposits | 90.5760% | 3,289 |
| Total domestic deposits to total assets | 86.5593% | 2,863 |
| Equity capital to assets | 7.2839% | 7,221 |
| Core capital (leverage) ratio | 7.3281% | 7,006 |
| Tier 1 risk-based capital ratio | 9.6079% | 7,244 |
| Total risk-based capital ratio | 10.5603% | 7,385 |
| Memoranda: | ||
| Average total assets | $247,935,000 | 2,676 |
| Average earning assets | $221,429,000 | 2,722 |
| Average equity | $18,362,000 | 3,426 |
| Average total loans | $188,200,500 | 2,400 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0181% | 1,796 |
| Cost of funding earning assets | 2.3402% | 1,490 |
| Net interest margin | 3.6780% | 4,228 |
| Noninterest income to average assets | 0.9344% | 1,812 |
| Noninterest expense to average assets | 3.3066% | 2,993 |
| Loan and lease loss provision to assets | 0.7624% | 2,825 |
| Net operating income to assets | 0.1748% | 4,981 |
| Return on assets (ROA) | 0.0531% | 5,384 |
| Pretax return on assets | 0.0391% | 5,347 |
| Return on Equity (ROE) | 0.7260% | 5,321 |
| Retained earnings to average equity (ytd only) | 0.7260% | 4,500 |
| Net charge-offs to loans | 1.1682% | 2,096 |
| Credit loss provision to net charge-offs | 85.2298% | 6,157 |
| Earnings coverage of net charge-offs (x) | 1.0321% | 5,080 |
| Efficiency ratio | 78.1731% | 3,164 |
| Assets per employee ($millions) | 2.8429% | 6,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 5,841 |
| Loan loss allowance to noncurrent loans | 28.2809% | 6,583 |
| Noncurrent assets plus other real estate owned to assets | 5.4067% | 1,089 |
| Noncurrent loans to loans | 3.9332% | 1,890 |
| Net loans and leases to total assets | 76.8680% | 1,613 |
| Net loans and leases to deposits | 89.3410% | 2,328 |
| Net loans and leases to core deposits | 114.7932% | 2,436 |
| Total domestic deposits to total assets | 86.0388% | 3,002 |
| Equity capital to assets | 7.5315% | 7,004 |
| Core capital (leverage) ratio | 7.3584% | 6,927 |
| Tier 1 risk-based capital ratio | 9.6159% | 7,147 |
| Total risk-based capital ratio | 10.7271% | 7,214 |
| Memoranda: | ||
| Average total assets | $250,531,200 | 2,602 |
| Average earning assets | $224,472,600 | 2,659 |
| Average equity | $18,319,800 | 3,460 |
| Average total loans | $191,839,000 | 2,382 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9874% | 2,093 |
| Cost of funding earning assets | 2.4281% | 1,529 |
| Net interest margin | 3.5593% | 4,639 |
| Noninterest income to average assets | 0.9072% | 1,953 |
| Noninterest expense to average assets | 3.3184% | 2,844 |
| Loan and lease loss provision to assets | 0.6798% | 2,702 |
| Net operating income to assets | 0.0770% | 5,537 |
| Return on assets (ROA) | -0.0635% | 5,874 |
| Pretax return on assets | -0.1180% | 5,869 |
| Return on Equity (ROE) | -0.8745% | 5,911 |
| Retained earnings to average equity (ytd only) | -0.8745% | 5,460 |
| Net charge-offs to loans | 1.0616% | 1,871 |
| Credit loss provision to net charge-offs | 83.9321% | 5,651 |
| Earnings coverage of net charge-offs (x) | 0.9647% | 5,097 |
| Efficiency ratio | 80.9419% | 2,715 |
| Assets per employee ($millions) | 2.9512% | 6,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 5,526 |
| Loan loss allowance to noncurrent loans | 25.4249% | 6,760 |
| Noncurrent assets plus other real estate owned to assets | 5.8972% | 926 |
| Noncurrent loans to loans | 4.4507% | 1,578 |
| Net loans and leases to total assets | 76.5930% | 1,876 |
| Net loans and leases to deposits | 88.7036% | 2,834 |
| Net loans and leases to core deposits | 115.0560% | 2,719 |
| Total domestic deposits to total assets | 86.3471% | 2,513 |
| Equity capital to assets | 7.3323% | 7,409 |
| Core capital (leverage) ratio | 7.1705% | 7,290 |
| Tier 1 risk-based capital ratio | 9.3556% | 7,461 |
| Total risk-based capital ratio | 10.4960% | 7,509 |
| Memoranda: | ||
| Average total assets | $252,041,000 | 2,605 |
| Average earning assets | $226,069,000 | 2,661 |
| Average equity | $18,296,250 | 3,480 |
| Average total loans | $192,286,250 | 2,402 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0206% | 2,102 |
| Cost of funding earning assets | 2.4929% | 1,638 |
| Net interest margin | 3.5277% | 4,667 |
| Noninterest income to average assets | 0.9357% | 1,816 |
| Noninterest expense to average assets | 3.3497% | 2,793 |
| Loan and lease loss provision to assets | 0.7012% | 2,326 |
| Net operating income to assets | 0.1130% | 5,525 |
| Return on assets (ROA) | -0.0974% | 6,054 |
| Pretax return on assets | -0.2813% | 6,218 |
| Return on Equity (ROE) | -1.3469% | 6,125 |
| Retained earnings to average equity (ytd only) | -1.3469% | 5,579 |
| Net charge-offs to loans | 1.5876% | 1,192 |
| Credit loss provision to net charge-offs | 58.1854% | 5,626 |
| Earnings coverage of net charge-offs (x) | 0.6213% | 5,087 |
| Efficiency ratio | 81.7321% | 2,756 |
| Assets per employee ($millions) | 2.9471% | 6,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 6,610 |
| Loan loss allowance to noncurrent loans | 29.6898% | 6,511 |
| Noncurrent assets plus other real estate owned to assets | 4.9643% | 1,073 |
| Noncurrent loans to loans | 3.1583% | 2,259 |
| Net loans and leases to total assets | 75.4050% | 2,343 |
| Net loans and leases to deposits | 86.9672% | 3,364 |
| Net loans and leases to core deposits | 115.0832% | 2,802 |
| Total domestic deposits to total assets | 86.7051% | 2,404 |
| Equity capital to assets | 7.1205% | 7,542 |
| Core capital (leverage) ratio | 7.0919% | 7,462 |
| Tier 1 risk-based capital ratio | 9.3035% | 7,533 |
| Total risk-based capital ratio | 10.2365% | 7,725 |
| Memoranda: | ||
| Average total assets | $252,438,670 | 2,606 |
| Average earning assets | $226,324,670 | 2,675 |
| Average equity | $18,264,000 | 3,510 |
| Average total loans | $191,604,670 | 2,439 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9766% | 2,456 |
| Cost of funding earning assets | 2.5103% | 1,879 |
| Net interest margin | 3.4663% | 4,868 |
| Noninterest income to average assets | 0.9304% | 1,736 |
| Noninterest expense to average assets | 3.3739% | 2,436 |
| Loan and lease loss provision to assets | 0.9209% | 1,412 |
| Net operating income to assets | -0.0794% | 6,378 |
| Return on assets (ROA) | -0.0794% | 6,497 |
| Pretax return on assets | -0.2556% | 6,629 |
| Return on Equity (ROE) | -1.0886% | 6,553 |
| Retained earnings to average equity (ytd only) | -1.0886% | 5,909 |
| Net charge-offs to loans | 2.9998% | 422 |
| Credit loss provision to net charge-offs | 40.5028% | 4,816 |
| Earnings coverage of net charge-offs (x) | 0.2926% | 4,740 |
| Efficiency ratio | 83.5299% | 2,350 |
| Assets per employee ($millions) | 2.9559% | 6,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8369% | 7,022 |
| Loan loss allowance to noncurrent loans | 20.1876% | 7,157 |
| Noncurrent assets plus other real estate owned to assets | 4.8945% | 941 |
| Noncurrent loans to loans | 4.1456% | 1,440 |
| Net loans and leases to total assets | 73.3981% | 2,914 |
| Net loans and leases to deposits | 84.7073% | 3,864 |
| Net loans and leases to core deposits | 112.8324% | 3,127 |
| Total domestic deposits to total assets | 86.6491% | 2,383 |
| Equity capital to assets | 7.1187% | 7,614 |
| Core capital (leverage) ratio | 7.2404% | 7,437 |
| Tier 1 risk-based capital ratio | 9.4472% | 7,470 |
| Total risk-based capital ratio | 10.2782% | 7,802 |
| Memoranda: | ||
| Average total assets | $251,933,000 | 2,622 |
| Average earning assets | $225,949,500 | 2,698 |
| Average equity | $18,372,500 | 3,504 |
| Average total loans | $190,945,500 | 2,465 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7965% | 1,688 |
| Cost of funding earning assets | 3.0145% | 1,820 |
| Net interest margin | 3.7820% | 4,094 |
| Noninterest income to average assets | 0.9825% | 1,637 |
| Noninterest expense to average assets | 3.2857% | 3,016 |
| Loan and lease loss provision to assets | 0.5403% | 2,663 |
| Net operating income to assets | 0.4643% | 4,888 |
| Return on assets (ROA) | 0.4643% | 4,709 |
| Pretax return on assets | 0.5974% | 4,700 |
| Return on Equity (ROE) | 6.5307% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.5307% | 1,326 |
| Net charge-offs to loans | 0.6190% | 1,987 |
| Credit loss provision to net charge-offs | 111.6279% | 4,830 |
| Earnings coverage of net charge-offs (x) | 2.3505% | 4,908 |
| Efficiency ratio | 74.2797% | 3,526 |
| Assets per employee ($millions) | 2.7110% | 6,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 3,948 |
| Loan loss allowance to noncurrent loans | 83.4243% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 2.9745% | 1,552 |
| Noncurrent loans to loans | 1.5307% | 3,496 |
| Net loans and leases to total assets | 76.6506% | 2,461 |
| Net loans and leases to deposits | 89.0182% | 3,631 |
| Net loans and leases to core deposits | 120.8079% | 2,620 |
| Total domestic deposits to total assets | 86.1066% | 2,353 |
| Equity capital to assets | 7.4739% | 7,405 |
| Core capital (leverage) ratio | 7.3360% | 7,380 |
| Tier 1 risk-based capital ratio | 9.4956% | 7,312 |
| Total risk-based capital ratio | 10.7458% | 7,231 |
| Memoranda: | ||
| Average total assets | $248,744,200 | 2,570 |
| Average earning assets | $226,309,000 | 2,584 |
| Average equity | $17,685,800 | 3,611 |
| Average total loans | $194,499,800 | 2,352 |