Home > Merchants Bank of California > Performance and Condition Ratios
Merchants Bank of California, Performance and Condition Ratios
| 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 | 13.8024% | 11 |
| Cost of funding earning assets | 0.0000% | 5,529 |
| Net interest margin | 13.8024% | 8 |
| Noninterest income to average assets | 0.0000% | 5,488 |
| Noninterest expense to average assets | 3.6059% | 859 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.4040% | 174 |
| Return on assets (ROA) | -15.8378% | 5,542 |
| Pretax return on assets | -15.8378% | 5,542 |
| Return on Equity (ROE) | -56.7570% | 5,535 |
| Retained earnings to average equity (ytd only) | -56.7570% | 5,532 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 3,935 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 5,551 |
| Equity capital to assets | 98.5384% | 2 |
| Core capital (leverage) ratio | 36.9575% | 54 |
| Tier 1 risk-based capital ratio | 225.9777% | 25 |
| Total risk-based capital ratio | 225.9777% | 25 |
| Memoranda: | ||
| Average total assets | $2,828,670 | 5,551 |
| Average earning assets | $1,231,670 | 5,541 |
| Average equity | $789,330 | 5,538 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5467% | 1,725 |
| Cost of funding earning assets | 0.0000% | 5,593 |
| Net interest margin | 4.5467% | 557 |
| Noninterest income to average assets | 0.0000% | 5,557 |
| Noninterest expense to average assets | 45.0881% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -42.8963% | 5,606 |
| Return on assets (ROA) | -42.8963% | 5,606 |
| Pretax return on assets | -42.8963% | 5,606 |
| Return on Equity (ROE) | -210.9044% | 5,606 |
| Retained earnings to average equity (ytd only) | -210.9044% | 5,606 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,057.1429% | 2 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,578 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 5,614 |
| Equity capital to assets | 20.6921% | 193 |
| Core capital (leverage) ratio | 16.2317% | 459 |
| Tier 1 risk-based capital ratio | 98.2622% | 42 |
| Total risk-based capital ratio | 98.2622% | 42 |
| Memoranda: | ||
| Average total assets | $3,832,500 | 5,613 |
| Average earning assets | $1,847,500 | 5,604 |
| Average equity | $779,500 | 5,601 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9467% | 3,581 |
| Cost of funding earning assets | 0.4855% | 2,453 |
| Net interest margin | 3.4612% | 3,651 |
| Noninterest income to average assets | -4.5541% | 5,670 |
| Noninterest expense to average assets | 25.7081% | 32 |
| Loan and lease loss provision to assets | -3.9584% | 5,670 |
| Net operating income to assets | -24.0732% | 5,670 |
| Return on assets (ROA) | -24.0732% | 5,670 |
| Pretax return on assets | -24.0701% | 5,670 |
| Return on Equity (ROE) | -176.1235% | 5,668 |
| Retained earnings to average equity (ytd only) | -176.1235% | 5,668 |
| Net charge-offs to loans | -10.6214% | 5,635 |
| Credit loss provision to net charge-offs | 207.1429% | 1,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -1,107.8877% | 5,670 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,643 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 5,679 |
| Equity capital to assets | 20.1390% | 202 |
| Core capital (leverage) ratio | 12.3358% | 1,431 |
| Tier 1 risk-based capital ratio | 108.3945% | 38 |
| Total risk-based capital ratio | 108.3945% | 38 |
| Memoranda: | ||
| Average total assets | $32,235,000 | 5,463 |
| Average earning assets | $20,802,000 | 5,556 |
| Average equity | $4,406,000 | 5,358 |
| Average total loans | $5,799,600 | 5,611 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3079% | 2,242 |
| Cost of funding earning assets | 0.5195% | 2,111 |
| Net interest margin | 3.7884% | 2,444 |
| Noninterest income to average assets | -5.0573% | 5,737 |
| Noninterest expense to average assets | 25.1979% | 35 |
| Loan and lease loss provision to assets | -4.3544% | 5,737 |
| Net operating income to assets | -23.4405% | 5,737 |
| Return on assets (ROA) | -23.4405% | 5,737 |
| Pretax return on assets | -23.4371% | 5,737 |
| Return on Equity (ROE) | -174.0735% | 5,735 |
| Retained earnings to average equity (ytd only) | -174.0735% | 5,735 |
| Net charge-offs to loans | -11.3292% | 5,700 |
| Credit loss provision to net charge-offs | 207.1429% | 1,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -971.5789% | 5,736 |
| Assets per employee ($millions) | 0.9325% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 0.0195% | 5,706 |
| Net loans and leases to deposits | 0.0294% | 5,707 |
| Net loans and leases to core deposits | 0.0300% | 5,697 |
| Total domestic deposits to total assets | 66.3758% | 5,580 |
| Equity capital to assets | 9.0665% | 4,855 |
| Core capital (leverage) ratio | 6.3024% | 5,689 |
| Tier 1 risk-based capital ratio | 43.3988% | 183 |
| Total risk-based capital ratio | 43.3988% | 193 |
| Memoranda: | ||
| Average total assets | $39,071,000 | 5,398 |
| Average earning assets | $25,410,250 | 5,567 |
| Average equity | $5,261,250 | 5,284 |
| Average total loans | $7,249,500 | 5,656 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9846% | 3,260 |
| Cost of funding earning assets | 0.5411% | 1,835 |
| Net interest margin | 3.4435% | 3,620 |
| Noninterest income to average assets | -4.3442% | 5,787 |
| Noninterest expense to average assets | 24.5008% | 35 |
| Loan and lease loss provision to assets | -4.1321% | 5,787 |
| Net operating income to assets | -22.5519% | 5,786 |
| Return on assets (ROA) | -22.5519% | 5,786 |
| Pretax return on assets | -22.5475% | 5,786 |
| Return on Equity (ROE) | -159.5934% | 5,785 |
| Retained earnings to average equity (ytd only) | -159.5934% | 5,783 |
| Net charge-offs to loans | -6.1461% | 5,749 |
| Credit loss provision to net charge-offs | 314.8148% | 929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -1,124.5436% | 5,786 |
| Assets per employee ($millions) | 1.2408% | 5,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2696% | 5,680 |
| Loan loss allowance to noncurrent loans | 5.2758% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 1.2003% | 1,415 |
| Noncurrent loans to loans | 5.1109% | 147 |
| Net loans and leases to total assets | 23.4219% | 5,656 |
| Net loans and leases to deposits | 34.3768% | 5,564 |
| Net loans and leases to core deposits | 34.7884% | 5,588 |
| Total domestic deposits to total assets | 68.1328% | 5,591 |
| Equity capital to assets | 10.4862% | 3,367 |
| Core capital (leverage) ratio | 9.1612% | 4,543 |
| Tier 1 risk-based capital ratio | 45.0147% | 162 |
| Total risk-based capital ratio | 47.1530% | 155 |
| Memoranda: | ||
| Average total assets | $45,255,670 | 5,336 |
| Average earning assets | $28,459,330 | 5,567 |
| Average equity | $6,395,000 | 5,125 |
| Average total loans | $9,664,670 | 5,652 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6260% | 4,347 |
| Cost of funding earning assets | 0.5268% | 1,885 |
| Net interest margin | 3.0993% | 4,653 |
| Noninterest income to average assets | 2.9745% | 194 |
| Noninterest expense to average assets | 20.0781% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -15.1231% | 5,855 |
| Return on assets (ROA) | -15.1231% | 5,855 |
| Pretax return on assets | -15.1231% | 5,855 |
| Return on Equity (ROE) | -92.4568% | 5,853 |
| Retained earnings to average equity (ytd only) | -92.4568% | 5,843 |
| Net charge-offs to loans | -4.6460% | 5,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 405.2133% | 6 |
| Assets per employee ($millions) | 1.5248% | 5,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1017% | 12 |
| Loan loss allowance to noncurrent loans | 181.6279% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.9400% | 1,957 |
| Noncurrent loans to loans | 4.4606% | 209 |
| Net loans and leases to total assets | 19.3665% | 5,754 |
| Net loans and leases to deposits | 27.4425% | 5,712 |
| Net loans and leases to core deposits | 28.8079% | 5,707 |
| Total domestic deposits to total assets | 70.5710% | 5,609 |
| Equity capital to assets | 14.9025% | 676 |
| Core capital (leverage) ratio | 13.8682% | 876 |
| Tier 1 risk-based capital ratio | 42.5574% | 196 |
| Total risk-based capital ratio | 43.8547% | 193 |
| Memoranda: | ||
| Average total assets | $51,100,500 | 5,290 |
| Average earning assets | $32,653,000 | 5,565 |
| Average equity | $8,358,500 | 4,832 |
| Average total loans | $10,417,500 | 5,699 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9823% | 5,514 |
| Cost of funding earning assets | 0.4554% | 2,492 |
| Net interest margin | 2.5269% | 5,570 |
| Noninterest income to average assets | 8.4772% | 73 |
| Noninterest expense to average assets | 22.1426% | 37 |
| Loan and lease loss provision to assets | -1.2988% | 5,906 |
| Net operating income to assets | -8.2931% | 5,911 |
| Return on assets (ROA) | -8.2931% | 5,912 |
| Pretax return on assets | -11.0633% | 5,913 |
| Return on Equity (ROE) | -32.3319% | 5,892 |
| Retained earnings to average equity (ytd only) | -32.3319% | 5,885 |
| Net charge-offs to loans | -2.1254% | 5,870 |
| Credit loss provision to net charge-offs | 321.1470% | 931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 226.3969% | 11 |
| Assets per employee ($millions) | 1.5669% | 5,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8955% | 25 |
| Loan loss allowance to noncurrent loans | 101.2270% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.1559% | 1,588 |
| Noncurrent loans to loans | 5.8240% | 112 |
| Net loans and leases to total assets | 18.6768% | 5,815 |
| Net loans and leases to deposits | 30.8510% | 5,727 |
| Net loans and leases to core deposits | 33.3249% | 5,715 |
| Total domestic deposits to total assets | 60.5386% | 5,821 |
| Equity capital to assets | 24.7664% | 105 |
| Core capital (leverage) ratio | 23.9874% | 112 |
| Tier 1 risk-based capital ratio | 67.8302% | 64 |
| Total risk-based capital ratio | 69.1066% | 64 |
| Memoranda: | ||
| Average total assets | $68,984,800 | 4,954 |
| Average earning assets | $35,576,800 | 5,552 |
| Average equity | $17,694,600 | 3,458 |
| Average total loans | $13,127,000 | 5,711 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2507% | 5,279 |
| Cost of funding earning assets | 0.4530% | 2,528 |
| Net interest margin | 2.7978% | 5,363 |
| Noninterest income to average assets | 9.6953% | 65 |
| Noninterest expense to average assets | 17.7011% | 39 |
| Loan and lease loss provision to assets | -0.6396% | 5,954 |
| Net operating income to assets | -4.1591% | 5,971 |
| Return on assets (ROA) | -4.1591% | 5,971 |
| Pretax return on assets | -6.0076% | 5,977 |
| Return on Equity (ROE) | -16.1064% | 5,931 |
| Retained earnings to average equity (ytd only) | -16.1064% | 5,898 |
| Net charge-offs to loans | -2.8998% | 5,936 |
| Credit loss provision to net charge-offs | 116.8919% | 2,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 160.1338% | 30 |
| Assets per employee ($millions) | 1.4084% | 5,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.8163% | 4 |
| Loan loss allowance to noncurrent loans | 172.8169% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 1.0959% | 1,864 |
| Noncurrent loans to loans | 6.2588% | 106 |
| Net loans and leases to total assets | 15.6155% | 5,908 |
| Net loans and leases to deposits | 24.2335% | 5,868 |
| Net loans and leases to core deposits | 25.8120% | 5,862 |
| Total domestic deposits to total assets | 64.4379% | 5,844 |
| Equity capital to assets | 27.0251% | 79 |
| Core capital (leverage) ratio | 25.4857% | 92 |
| Tier 1 risk-based capital ratio | 87.1607% | 49 |
| Total risk-based capital ratio | 88.4755% | 50 |
| Memoranda: | ||
| Average total assets | $72,129,250 | 4,927 |
| Average earning assets | $35,027,250 | 5,622 |
| Average equity | $18,625,750 | 3,353 |
| Average total loans | $13,610,000 | 5,756 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3590% | 5,165 |
| Cost of funding earning assets | 0.4725% | 2,345 |
| Net interest margin | 2.8864% | 5,293 |
| Noninterest income to average assets | 9.9844% | 62 |
| Noninterest expense to average assets | 18.4938% | 40 |
| Loan and lease loss provision to assets | -0.9279% | 6,043 |
| Net operating income to assets | -4.7629% | 6,048 |
| Return on assets (ROA) | -4.7629% | 6,049 |
| Pretax return on assets | -6.2218% | 6,055 |
| Return on Equity (ROE) | -18.6967% | 6,010 |
| Retained earnings to average equity (ytd only) | -18.6967% | 5,964 |
| Net charge-offs to loans | -4.0932% | 6,014 |
| Credit loss provision to net charge-offs | 117.6871% | 1,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 163.0260% | 33 |
| Assets per employee ($millions) | 1.2802% | 6,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7672% | 5 |
| Loan loss allowance to noncurrent loans | 150.1225% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 1.1804% | 1,768 |
| Noncurrent loans to loans | 6.5061% | 106 |
| Net loans and leases to total assets | 16.3704% | 5,977 |
| Net loans and leases to deposits | 24.7128% | 5,938 |
| Net loans and leases to core deposits | 26.4781% | 5,931 |
| Total domestic deposits to total assets | 66.2424% | 5,883 |
| Equity capital to assets | 26.0129% | 83 |
| Core capital (leverage) ratio | 22.6994% | 120 |
| Tier 1 risk-based capital ratio | 87.8054% | 51 |
| Total risk-based capital ratio | 89.1147% | 51 |
| Memoranda: | ||
| Average total assets | $74,576,330 | 4,922 |
| Average earning assets | $35,129,670 | 5,689 |
| Average equity | $18,998,000 | 3,302 |
| Average total loans | $14,365,330 | 5,805 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6043% | 4,603 |
| Cost of funding earning assets | 0.4783% | 2,295 |
| Net interest margin | 3.1259% | 4,793 |
| Noninterest income to average assets | 9.6664% | 62 |
| Noninterest expense to average assets | 15.4103% | 46 |
| Loan and lease loss provision to assets | -0.1190% | 5,996 |
| Net operating income to assets | -2.4476% | 6,083 |
| Return on assets (ROA) | -2.4476% | 6,083 |
| Pretax return on assets | -4.1708% | 6,099 |
| Return on Equity (ROE) | -9.6998% | 6,025 |
| Retained earnings to average equity (ytd only) | -9.6998% | 5,796 |
| Net charge-offs to loans | -0.2618% | 5,914 |
| Credit loss provision to net charge-offs | 230.0000% | 994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.5761% | 55 |
| Assets per employee ($millions) | 1.4515% | 6,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.6481% | 8 |
| Loan loss allowance to noncurrent loans | 145.7901% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 1.0298% | 2,151 |
| Noncurrent loans to loans | 5.9319% | 144 |
| Net loans and leases to total assets | 15.8596% | 6,033 |
| Net loans and leases to deposits | 22.8263% | 6,000 |
| Net loans and leases to core deposits | 22.9447% | 6,010 |
| Total domestic deposits to total assets | 69.4794% | 5,885 |
| Equity capital to assets | 22.9104% | 136 |
| Core capital (leverage) ratio | 23.5293% | 112 |
| Tier 1 risk-based capital ratio | 81.0649% | 52 |
| Total risk-based capital ratio | 82.3688% | 52 |
| Memoranda: | ||
| Average total assets | $77,299,000 | 4,911 |
| Average earning assets | $35,957,500 | 5,718 |
| Average equity | $19,505,500 | 3,254 |
| Average total loans | $15,277,000 | 5,837 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9056% | 3,688 |
| Cost of funding earning assets | 0.2232% | 5,060 |
| Net interest margin | 3.6824% | 2,814 |
| Noninterest income to average assets | 10.5206% | 62 |
| Noninterest expense to average assets | 12.7402% | 57 |
| Loan and lease loss provision to assets | -0.0420% | 5,720 |
| Net operating income to assets | -0.1181% | 5,933 |
| Return on assets (ROA) | -0.0140% | 5,902 |
| Pretax return on assets | -0.0229% | 5,899 |
| Return on Equity (ROE) | -0.0548% | 5,899 |
| Retained earnings to average equity (ytd only) | -0.0548% | 5,523 |
| Net charge-offs to loans | 0.6484% | 367 |
| Credit loss provision to net charge-offs | -25.9843% | 5,006 |
| Earnings coverage of net charge-offs (x) | -1.4094% | 4,347 |
| Efficiency ratio | 101.8186% | 247 |
| Assets per employee ($millions) | 1.3014% | 6,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0123% | 12 |
| Loan loss allowance to noncurrent loans | 151.4828% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 1.1996% | 1,807 |
| Noncurrent loans to loans | 5.2892% | 175 |
| Net loans and leases to total assets | 20.8626% | 6,040 |
| Net loans and leases to deposits | 31.5229% | 5,974 |
| Net loans and leases to core deposits | 32.6112% | 5,979 |
| Total domestic deposits to total assets | 66.1824% | 6,013 |
| Equity capital to assets | 28.3391% | 65 |
| Core capital (leverage) ratio | 26.5448% | 72 |
| Tier 1 risk-based capital ratio | 86.8752% | 46 |
| Total risk-based capital ratio | 88.1825% | 44 |
| Memoranda: | ||
| Average total assets | $78,664,400 | 4,899 |
| Average earning assets | $42,554,000 | 5,622 |
| Average equity | $20,086,200 | 3,160 |
| Average total loans | $19,588,000 | 5,737 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8780% | 3,819 |
| Cost of funding earning assets | 0.2052% | 5,331 |
| Net interest margin | 3.6728% | 2,877 |
| Noninterest income to average assets | 10.5129% | 65 |
| Noninterest expense to average assets | 12.3768% | 62 |
| Loan and lease loss provision to assets | -0.0545% | 5,922 |
| Net operating income to assets | 0.1388% | 5,794 |
| Return on assets (ROA) | 0.2741% | 5,605 |
| Pretax return on assets | 0.4705% | 5,292 |
| Return on Equity (ROE) | 1.0996% | 5,840 |
| Retained earnings to average equity (ytd only) | 1.0996% | 5,278 |
| Net charge-offs to loans | 1.4178% | 110 |
| Credit loss provision to net charge-offs | -15.1376% | 4,871 |
| Earnings coverage of net charge-offs (x) | 0.5688% | 3,934 |
| Efficiency ratio | 98.3729% | 343 |
| Assets per employee ($millions) | 1.5820% | 6,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1065% | 20 |
| Loan loss allowance to noncurrent loans | 134.9261% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 1.1576% | 2,052 |
| Noncurrent loans to loans | 5.2669% | 184 |
| Net loans and leases to total assets | 20.4161% | 6,133 |
| Net loans and leases to deposits | 31.9215% | 6,051 |
| Net loans and leases to core deposits | 32.3228% | 6,067 |
| Total domestic deposits to total assets | 63.9573% | 6,130 |
| Equity capital to assets | 26.5029% | 78 |
| Core capital (leverage) ratio | 25.8702% | 79 |
| Tier 1 risk-based capital ratio | 78.6762% | 59 |
| Total risk-based capital ratio | 79.9711% | 59 |
| Memoranda: | ||
| Average total assets | $80,762,000 | 4,910 |
| Average earning assets | $45,486,750 | 5,613 |
| Average equity | $20,129,000 | 3,191 |
| Average total loans | $20,500,500 | 5,773 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0042% | 3,273 |
| Cost of funding earning assets | 0.1940% | 5,500 |
| Net interest margin | 3.8102% | 2,273 |
| Noninterest income to average assets | 10.9092% | 64 |
| Noninterest expense to average assets | 11.8998% | 64 |
| Loan and lease loss provision to assets | -0.0801% | 6,066 |
| Net operating income to assets | 0.7092% | 3,845 |
| Return on assets (ROA) | 0.9081% | 2,957 |
| Pretax return on assets | 1.5467% | 1,499 |
| Return on Equity (ROE) | 3.7158% | 5,135 |
| Retained earnings to average equity (ytd only) | 3.7158% | 3,660 |
| Net charge-offs to loans | 0.0827% | 2,220 |
| Credit loss provision to net charge-offs | -366.6667% | 5,151 |
| Earnings coverage of net charge-offs (x) | 52.8889% | 916 |
| Efficiency ratio | 91.1475% | 676 |
| Assets per employee ($millions) | 1.6025% | 6,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6686% | 22 |
| Loan loss allowance to noncurrent loans | 63.9615% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 2.8353% | 611 |
| Noncurrent loans to loans | 10.4259% | 47 |
| Net loans and leases to total assets | 25.3816% | 6,142 |
| Net loans and leases to deposits | 39.5848% | 5,915 |
| Net loans and leases to core deposits | 40.0739% | 5,952 |
| Total domestic deposits to total assets | 64.1195% | 6,202 |
| Equity capital to assets | 26.3111% | 79 |
| Core capital (leverage) ratio | 25.8904% | 84 |
| Tier 1 risk-based capital ratio | 67.2092% | 80 |
| Total risk-based capital ratio | 68.5025% | 80 |
| Memoranda: | ||
| Average total assets | $82,371,000 | 4,927 |
| Average earning assets | $46,401,670 | 5,651 |
| Average equity | $20,130,330 | 3,212 |
| Average total loans | $21,771,000 | 5,780 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0496% | 3,049 |
| Cost of funding earning assets | 0.1880% | 5,620 |
| Net interest margin | 3.8617% | 2,026 |
| Noninterest income to average assets | 11.0007% | 69 |
| Noninterest expense to average assets | 11.4426% | 68 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9872% | 2,321 |
| Return on assets (ROA) | 0.9872% | 2,447 |
| Pretax return on assets | 1.6830% | 1,084 |
| Return on Equity (ROE) | 4.1862% | 4,894 |
| Retained earnings to average equity (ytd only) | 4.1862% | 3,494 |
| Net charge-offs to loans | 1.4236% | 140 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.5316% | 2,480 |
| Efficiency ratio | 87.1777% | 1,084 |
| Assets per employee ($millions) | 1.6127% | 6,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1532% | 36 |
| Loan loss allowance to noncurrent loans | 59.5716% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 4.1740% | 351 |
| Noncurrent loans to loans | 10.3291% | 55 |
| Net loans and leases to total assets | 24.7559% | 6,198 |
| Net loans and leases to deposits | 37.2851% | 6,011 |
| Net loans and leases to core deposits | 38.0558% | 6,038 |
| Total domestic deposits to total assets | 66.3963% | 6,237 |
| Equity capital to assets | 24.5249% | 99 |
| Core capital (leverage) ratio | 24.0584% | 103 |
| Tier 1 risk-based capital ratio | 63.4229% | 98 |
| Total risk-based capital ratio | 64.7101% | 100 |
| Memoranda: | ||
| Average total assets | $85,085,500 | 4,919 |
| Average earning assets | $46,819,000 | 5,684 |
| Average equity | $20,066,000 | 3,232 |
| Average total loans | $22,197,000 | 5,816 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1391% | 3,171 |
| Cost of funding earning assets | 0.1026% | 6,316 |
| Net interest margin | 4.0364% | 1,785 |
| Noninterest income to average assets | 11.5299% | 59 |
| Noninterest expense to average assets | 10.8915% | 66 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7401% | 533 |
| Return on assets (ROA) | 1.7401% | 543 |
| Pretax return on assets | 2.9049% | 121 |
| Return on Equity (ROE) | 8.1126% | 3,073 |
| Retained earnings to average equity (ytd only) | 8.1126% | 982 |
| Net charge-offs to loans | -0.2260% | 6,281 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9444% | 2,071 |
| Assets per employee ($millions) | 1.8707% | 6,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3310% | 33 |
| Loan loss allowance to noncurrent loans | 53.0063% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 4.5858% | 330 |
| Noncurrent loans to loans | 11.9438% | 45 |
| Net loans and leases to total assets | 24.1811% | 6,310 |
| Net loans and leases to deposits | 35.2751% | 6,189 |
| Net loans and leases to core deposits | 35.9345% | 6,202 |
| Total domestic deposits to total assets | 68.5501% | 6,248 |
| Equity capital to assets | 22.7026% | 137 |
| Core capital (leverage) ratio | 22.6462% | 127 |
| Tier 1 risk-based capital ratio | 58.6143% | 96 |
| Total risk-based capital ratio | 59.8989% | 95 |
| Memoranda: | ||
| Average total assets | $90,226,600 | 4,832 |
| Average earning assets | $50,663,600 | 5,654 |
| Average equity | $19,352,600 | 3,238 |
| Average total loans | $24,335,600 | 5,805 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0998% | 3,376 |
| Cost of funding earning assets | 0.0946% | 6,428 |
| Net interest margin | 4.0052% | 1,863 |
| Noninterest income to average assets | 12.1521% | 60 |
| Noninterest expense to average assets | 10.2594% | 71 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.4610% | 155 |
| Return on assets (ROA) | 2.4610% | 156 |
| Pretax return on assets | 4.1936% | 71 |
| Return on Equity (ROE) | 11.6383% | 1,578 |
| Retained earnings to average equity (ytd only) | 11.6383% | 441 |
| Net charge-offs to loans | -1.5033% | 6,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9845% | 3,342 |
| Assets per employee ($millions) | 1.4985% | 6,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9808% | 33 |
| Loan loss allowance to noncurrent loans | 58.6926% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 5.1299% | 322 |
| Noncurrent loans to loans | 11.8938% | 53 |
| Net loans and leases to total assets | 27.3527% | 6,329 |
| Net loans and leases to deposits | 41.2706% | 6,077 |
| Net loans and leases to core deposits | 41.8995% | 6,120 |
| Total domestic deposits to total assets | 66.2766% | 6,400 |
| Equity capital to assets | 24.7995% | 99 |
| Core capital (leverage) ratio | 23.7855% | 108 |
| Tier 1 risk-based capital ratio | 58.5461% | 95 |
| Total risk-based capital ratio | 59.8399% | 93 |
| Memoranda: | ||
| Average total assets | $90,802,250 | 4,874 |
| Average earning assets | $52,164,000 | 5,678 |
| Average equity | $19,200,500 | 3,271 |
| Average total loans | $24,745,000 | 5,852 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4562% | 5,501 |
| Cost of funding earning assets | 0.0916% | 6,503 |
| Net interest margin | 3.3645% | 4,337 |
| Noninterest income to average assets | 12.4191% | 58 |
| Noninterest expense to average assets | 10.3552% | 72 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.3571% | 174 |
| Return on assets (ROA) | 2.3571% | 179 |
| Pretax return on assets | 4.0150% | 75 |
| Return on Equity (ROE) | 11.7282% | 1,510 |
| Retained earnings to average equity (ytd only) | 11.7282% | 454 |
| Net charge-offs to loans | -1.7716% | 6,598 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0603% | 3,327 |
| Assets per employee ($millions) | 1.7383% | 6,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6501% | 34 |
| Loan loss allowance to noncurrent loans | 43.6344% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 5.3235% | 319 |
| Noncurrent loans to loans | 15.2405% | 33 |
| Net loans and leases to total assets | 23.9874% | 6,453 |
| Net loans and leases to deposits | 30.8696% | 6,411 |
| Net loans and leases to core deposits | 31.2141% | 6,430 |
| Total domestic deposits to total assets | 77.7055% | 5,686 |
| Equity capital to assets | 20.7743% | 186 |
| Core capital (leverage) ratio | 20.4931% | 184 |
| Tier 1 risk-based capital ratio | 58.0222% | 96 |
| Total risk-based capital ratio | 59.3153% | 95 |
| Memoranda: | ||
| Average total assets | $94,097,330 | 4,823 |
| Average earning assets | $54,569,330 | 5,675 |
| Average equity | $18,911,670 | 3,298 |
| Average total loans | $25,062,000 | 5,878 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4768% | 5,490 |
| Cost of funding earning assets | 0.0950% | 6,575 |
| Net interest margin | 3.3819% | 4,213 |
| Noninterest income to average assets | 11.0176% | 57 |
| Noninterest expense to average assets | 9.7057% | 80 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.9233% | 379 |
| Return on assets (ROA) | 1.9233% | 399 |
| Pretax return on assets | 3.2777% | 120 |
| Return on Equity (ROE) | 9.7328% | 2,139 |
| Retained earnings to average equity (ytd only) | 9.7328% | 1,037 |
| Net charge-offs to loans | -3.2429% | 6,673 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7547% | 3,006 |
| Assets per employee ($millions) | 1.7702% | 6,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6642% | 31 |
| Loan loss allowance to noncurrent loans | 41.0065% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 5.7936% | 308 |
| Noncurrent loans to loans | 16.2515% | 34 |
| Net loans and leases to total assets | 23.2820% | 6,517 |
| Net loans and leases to deposits | 29.4721% | 6,488 |
| Net loans and leases to core deposits | 29.7897% | 6,499 |
| Total domestic deposits to total assets | 78.9965% | 5,686 |
| Equity capital to assets | 19.7136% | 224 |
| Core capital (leverage) ratio | 20.1769% | 196 |
| Tier 1 risk-based capital ratio | 56.8790% | 103 |
| Total risk-based capital ratio | 58.1739% | 102 |
| Memoranda: | ||
| Average total assets | $94,213,000 | 4,873 |
| Average earning assets | $54,762,500 | 5,712 |
| Average equity | $18,617,500 | 3,337 |
| Average total loans | $25,533,000 | 5,912 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9221% | 4,379 |
| Cost of funding earning assets | 0.2089% | 6,236 |
| Net interest margin | 3.7132% | 3,004 |
| Noninterest income to average assets | 9.4795% | 70 |
| Noninterest expense to average assets | 9.2657% | 90 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4367% | 948 |
| Return on assets (ROA) | 1.4367% | 987 |
| Pretax return on assets | 2.3938% | 231 |
| Return on Equity (ROE) | 7.5189% | 3,287 |
| Retained earnings to average equity (ytd only) | 7.5189% | 1,225 |
| Net charge-offs to loans | 0.9586% | 625 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 7.2566% | 2,882 |
| Efficiency ratio | 79.4695% | 2,242 |
| Assets per employee ($millions) | 1.7853% | 6,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0768% | 87 |
| Loan loss allowance to noncurrent loans | 33.4220% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 5.0336% | 464 |
| Noncurrent loans to loans | 15.1899% | 39 |
| Net loans and leases to total assets | 27.8337% | 6,527 |
| Net loans and leases to deposits | 35.3459% | 6,450 |
| Net loans and leases to core deposits | 35.7395% | 6,480 |
| Total domestic deposits to total assets | 78.7466% | 5,700 |
| Equity capital to assets | 19.8100% | 221 |
| Core capital (leverage) ratio | 20.5647% | 172 |
| Tier 1 risk-based capital ratio | 54.6019% | 109 |
| Total risk-based capital ratio | 55.8844% | 109 |
| Memoranda: | ||
| Average total assets | $92,156,600 | 4,928 |
| Average earning assets | $54,104,000 | 5,758 |
| Average equity | $17,609,000 | 3,482 |
| Average total loans | $31,712,400 | 5,680 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1014% | 3,754 |
| Cost of funding earning assets | 0.2427% | 6,134 |
| Net interest margin | 3.8587% | 2,427 |
| Noninterest income to average assets | 9.1866% | 73 |
| Noninterest expense to average assets | 9.5910% | 88 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0740% | 2,103 |
| Return on assets (ROA) | 1.0740% | 2,186 |
| Pretax return on assets | 1.8307% | 837 |
| Return on Equity (ROE) | 5.6736% | 4,365 |
| Retained earnings to average equity (ytd only) | 5.6736% | 2,618 |
| Net charge-offs to loans | 0.7674% | 776 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.6826% | 2,924 |
| Efficiency ratio | 83.9721% | 1,601 |
| Assets per employee ($millions) | 1.6228% | 6,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2401% | 96 |
| Loan loss allowance to noncurrent loans | 34.9766% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 5.4980% | 477 |
| Noncurrent loans to loans | 14.9818% | 44 |
| Net loans and leases to total assets | 30.8917% | 6,500 |
| Net loans and leases to deposits | 39.5833% | 6,397 |
| Net loans and leases to core deposits | 40.0530% | 6,449 |
| Total domestic deposits to total assets | 78.0423% | 5,893 |
| Equity capital to assets | 20.3213% | 201 |
| Core capital (leverage) ratio | 20.6853% | 172 |
| Tier 1 risk-based capital ratio | 52.7613% | 118 |
| Total risk-based capital ratio | 54.0501% | 118 |
| Memoranda: | ||
| Average total assets | $91,986,500 | 4,974 |
| Average earning assets | $53,281,000 | 5,853 |
| Average equity | $17,413,500 | 3,543 |
| Average total loans | $32,835,000 | 5,689 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1406% | 3,580 |
| Cost of funding earning assets | 0.2910% | 5,892 |
| Net interest margin | 3.8496% | 2,377 |
| Noninterest income to average assets | 8.7545% | 79 |
| Noninterest expense to average assets | 9.3731% | 93 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9504% | 2,570 |
| Return on assets (ROA) | 0.9504% | 2,717 |
| Pretax return on assets | 1.6182% | 1,310 |
| Return on Equity (ROE) | 5.1383% | 4,646 |
| Retained earnings to average equity (ytd only) | 5.1383% | 2,964 |
| Net charge-offs to loans | -0.0817% | 6,442 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2775% | 1,491 |
| Assets per employee ($millions) | 1.6979% | 6,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1888% | 103 |
| Loan loss allowance to noncurrent loans | 36.3015% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 5.6942% | 506 |
| Noncurrent loans to loans | 14.2936% | 59 |
| Net loans and leases to total assets | 33.8787% | 6,418 |
| Net loans and leases to deposits | 43.6027% | 6,249 |
| Net loans and leases to core deposits | 44.3276% | 6,319 |
| Total domestic deposits to total assets | 77.6985% | 6,029 |
| Equity capital to assets | 19.0983% | 252 |
| Core capital (leverage) ratio | 19.0893% | 228 |
| Tier 1 risk-based capital ratio | 46.3266% | 157 |
| Total risk-based capital ratio | 47.6177% | 155 |
| Memoranda: | ||
| Average total assets | $93,438,000 | 4,976 |
| Average earning assets | $54,291,670 | 5,853 |
| Average equity | $17,282,000 | 3,582 |
| Average total loans | $34,257,330 | 5,654 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2140% | 3,244 |
| Cost of funding earning assets | 0.3368% | 5,663 |
| Net interest margin | 3.8772% | 2,192 |
| Noninterest income to average assets | 8.1940% | 86 |
| Noninterest expense to average assets | 9.0338% | 97 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8525% | 2,893 |
| Return on assets (ROA) | 0.8525% | 3,028 |
| Pretax return on assets | 1.4547% | 1,700 |
| Return on Equity (ROE) | 4.6833% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.6833% | 3,429 |
| Net charge-offs to loans | 0.6399% | 957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.1250% | 2,271 |
| Efficiency ratio | 86.1302% | 1,499 |
| Assets per employee ($millions) | 1.7810% | 6,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6859% | 172 |
| Loan loss allowance to noncurrent loans | 53.6537% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 3.9359% | 1,029 |
| Noncurrent loans to loans | 8.7336% | 281 |
| Net loans and leases to total assets | 36.5023% | 6,261 |
| Net loans and leases to deposits | 48.5048% | 5,885 |
| Net loans and leases to core deposits | 49.3459% | 6,012 |
| Total domestic deposits to total assets | 75.2549% | 6,432 |
| Equity capital to assets | 19.0113% | 264 |
| Core capital (leverage) ratio | 19.0615% | 235 |
| Tier 1 risk-based capital ratio | 42.5887% | 201 |
| Total risk-based capital ratio | 43.8736% | 199 |
| Memoranda: | ||
| Average total assets | $94,312,500 | 4,995 |
| Average earning assets | $55,813,500 | 5,854 |
| Average equity | $17,167,500 | 3,638 |
| Average total loans | $35,004,500 | 5,663 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1310% | 1,240 |
| Cost of funding earning assets | 0.5069% | 5,166 |
| Net interest margin | 4.6241% | 750 |
| Noninterest income to average assets | 8.7532% | 84 |
| Noninterest expense to average assets | 9.1581% | 94 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4483% | 1,011 |
| Return on assets (ROA) | 1.4483% | 1,127 |
| Pretax return on assets | 2.4658% | 266 |
| Return on Equity (ROE) | 7.8773% | 3,139 |
| Retained earnings to average equity (ytd only) | 7.8773% | 1,163 |
| Net charge-offs to loans | 0.0801% | 4,867 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 68.3125% | 532 |
| Efficiency ratio | 78.7870% | 2,312 |
| Assets per employee ($millions) | 2.2226% | 6,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7865% | 151 |
| Loan loss allowance to noncurrent loans | 58.9923% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 3.4715% | 1,308 |
| Noncurrent loans to loans | 8.1138% | 358 |
| Net loans and leases to total assets | 34.2942% | 6,533 |
| Net loans and leases to deposits | 42.8201% | 6,431 |
| Net loans and leases to core deposits | 43.4661% | 6,489 |
| Total domestic deposits to total assets | 80.0890% | 5,641 |
| Equity capital to assets | 17.4518% | 371 |
| Core capital (leverage) ratio | 19.2016% | 227 |
| Tier 1 risk-based capital ratio | 42.2168% | 200 |
| Total risk-based capital ratio | 43.5031% | 197 |
| Memoranda: | ||
| Average total assets | $88,653,400 | 5,120 |
| Average earning assets | $55,037,600 | 5,888 |
| Average equity | $16,300,000 | 3,740 |
| Average total loans | $39,939,400 | 5,508 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2492% | 1,099 |
| Cost of funding earning assets | 0.5594% | 5,000 |
| Net interest margin | 4.6899% | 684 |
| Noninterest income to average assets | 8.0769% | 92 |
| Noninterest expense to average assets | 8.9969% | 93 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1624% | 1,861 |
| Return on assets (ROA) | 1.1624% | 2,053 |
| Pretax return on assets | 1.9791% | 732 |
| Return on Equity (ROE) | 6.2326% | 4,210 |
| Retained earnings to average equity (ytd only) | 6.2326% | 2,538 |
| Net charge-offs to loans | 0.1556% | 3,871 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 26.7077% | 1,207 |
| Efficiency ratio | 81.9691% | 1,812 |
| Assets per employee ($millions) | 1.6887% | 7,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3165% | 243 |
| Loan loss allowance to noncurrent loans | 59.6642% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 4.5522% | 1,009 |
| Noncurrent loans to loans | 7.2346% | 496 |
| Net loans and leases to total assets | 45.6692% | 5,800 |
| Net loans and leases to deposits | 60.0305% | 5,205 |
| Net loans and leases to core deposits | 61.1591% | 5,440 |
| Total domestic deposits to total assets | 76.0767% | 6,370 |
| Equity capital to assets | 20.4000% | 229 |
| Core capital (leverage) ratio | 19.2507% | 238 |
| Tier 1 risk-based capital ratio | 37.7112% | 297 |
| Total risk-based capital ratio | 38.9929% | 286 |
| Memoranda: | ||
| Average total assets | $86,368,000 | 5,229 |
| Average earning assets | $53,390,500 | 6,012 |
| Average equity | $16,108,250 | 3,801 |
| Average total loans | $41,118,250 | 5,518 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2530% | 1,138 |
| Cost of funding earning assets | 0.5869% | 5,011 |
| Net interest margin | 4.6661% | 720 |
| Noninterest income to average assets | 7.8219% | 94 |
| Noninterest expense to average assets | 9.2061% | 92 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8986% | 2,916 |
| Return on assets (ROA) | 0.8986% | 3,185 |
| Pretax return on assets | 1.5385% | 1,754 |
| Return on Equity (ROE) | 4.9606% | 4,824 |
| Retained earnings to average equity (ytd only) | 4.9606% | 3,298 |
| Net charge-offs to loans | -0.2767% | 7,057 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6811% | 1,463 |
| Assets per employee ($millions) | 1.9047% | 7,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4244% | 247 |
| Loan loss allowance to noncurrent loans | 62.2503% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 4.5766% | 1,074 |
| Noncurrent loans to loans | 7.1074% | 542 |
| Net loans and leases to total assets | 42.8559% | 6,119 |
| Net loans and leases to deposits | 54.2714% | 5,840 |
| Net loans and leases to core deposits | 55.7688% | 5,964 |
| Total domestic deposits to total assets | 78.9658% | 5,967 |
| Equity capital to assets | 18.0729% | 335 |
| Core capital (leverage) ratio | 17.4738% | 329 |
| Tier 1 risk-based capital ratio | 35.6075% | 327 |
| Total risk-based capital ratio | 36.8906% | 320 |
| Memoranda: | ||
| Average total assets | $88,137,670 | 5,221 |
| Average earning assets | $55,206,330 | 5,990 |
| Average equity | $15,965,670 | 3,806 |
| Average total loans | $41,928,000 | 5,517 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3951% | 920 |
| Cost of funding earning assets | 0.6043% | 5,090 |
| Net interest margin | 4.7908% | 575 |
| Noninterest income to average assets | 7.6390% | 91 |
| Noninterest expense to average assets | 9.4641% | 89 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6953% | 3,908 |
| Return on assets (ROA) | 0.6953% | 4,126 |
| Pretax return on assets | 1.1847% | 2,965 |
| Return on Equity (ROE) | 3.8338% | 5,363 |
| Retained earnings to average equity (ytd only) | 3.8338% | 4,287 |
| Net charge-offs to loans | -0.2896% | 7,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8746% | 1,191 |
| Assets per employee ($millions) | 1.8115% | 7,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0577% | 352 |
| Loan loss allowance to noncurrent loans | 60.0000% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 4.6854% | 1,125 |
| Noncurrent loans to loans | 6.7629% | 688 |
| Net loans and leases to total assets | 46.5882% | 5,719 |
| Net loans and leases to deposits | 58.8025% | 5,293 |
| Net loans and leases to core deposits | 60.6586% | 5,469 |
| Total domestic deposits to total assets | 79.2283% | 6,028 |
| Equity capital to assets | 17.9519% | 340 |
| Core capital (leverage) ratio | 17.9083% | 300 |
| Tier 1 risk-based capital ratio | 32.9658% | 393 |
| Total risk-based capital ratio | 34.2463% | 387 |
| Memoranda: | ||
| Average total assets | $87,446,000 | 5,280 |
| Average earning assets | $54,939,000 | 6,037 |
| Average equity | $15,859,000 | 3,837 |
| Average total loans | $42,821,500 | 5,514 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5668% | 1,022 |
| Cost of funding earning assets | 0.6967% | 5,562 |
| Net interest margin | 4.8701% | 542 |
| Noninterest income to average assets | 11.2478% | 58 |
| Noninterest expense to average assets | 8.7087% | 92 |
| Loan and lease loss provision to assets | 0.7862% | 1,264 |
| Net operating income to assets | 2.9380% | 90 |
| Return on assets (ROA) | 2.9380% | 91 |
| Pretax return on assets | 5.0018% | 60 |
| Return on Equity (ROE) | 16.8678% | 486 |
| Retained earnings to average equity (ytd only) | 16.8678% | 83 |
| Net charge-offs to loans | 2.3955% | 503 |
| Credit loss provision to net charge-offs | 64.4550% | 5,045 |
| Earnings coverage of net charge-offs (x) | 4.7450% | 2,991 |
| Efficiency ratio | 60.0734% | 5,746 |
| Assets per employee ($millions) | 1.7225% | 7,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0386% | 373 |
| Loan loss allowance to noncurrent loans | 57.6897% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 4.9021% | 1,099 |
| Noncurrent loans to loans | 7.0005% | 633 |
| Net loans and leases to total assets | 47.3974% | 5,887 |
| Net loans and leases to deposits | 62.4964% | 5,175 |
| Net loans and leases to core deposits | 65.9760% | 5,254 |
| Total domestic deposits to total assets | 75.8403% | 6,505 |
| Equity capital to assets | 18.3253% | 328 |
| Core capital (leverage) ratio | 17.8573% | 303 |
| Tier 1 risk-based capital ratio | 33.0603% | 389 |
| Total risk-based capital ratio | 34.3402% | 386 |
| Memoranda: | ||
| Average total assets | $86,488,000 | 5,276 |
| Average earning assets | $57,699,400 | 5,938 |
| Average equity | $15,064,200 | 3,894 |
| Average total loans | $44,041,600 | 5,515 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3040% | 1,840 |
| Cost of funding earning assets | 0.6953% | 5,800 |
| Net interest margin | 4.6087% | 929 |
| Noninterest income to average assets | 12.4662% | 51 |
| Noninterest expense to average assets | 8.6979% | 94 |
| Loan and lease loss provision to assets | 0.6930% | 1,394 |
| Net operating income to assets | 3.6282% | 68 |
| Return on assets (ROA) | 3.6282% | 70 |
| Pretax return on assets | 6.1784% | 51 |
| Return on Equity (ROE) | 21.1042% | 255 |
| Retained earnings to average equity (ytd only) | 21.1042% | 64 |
| Net charge-offs to loans | 1.7320% | 795 |
| Credit loss provision to net charge-offs | 77.9896% | 4,209 |
| Earnings coverage of net charge-offs (x) | 7.7331% | 2,307 |
| Efficiency ratio | 55.8655% | 6,297 |
| Assets per employee ($millions) | 1.8377% | 7,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5887% | 245 |
| Loan loss allowance to noncurrent loans | 41.6702% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 6.9026% | 720 |
| Noncurrent loans to loans | 11.0120% | 290 |
| Net loans and leases to total assets | 47.3273% | 6,023 |
| Net loans and leases to deposits | 62.8448% | 5,311 |
| Net loans and leases to core deposits | 65.8250% | 5,433 |
| Total domestic deposits to total assets | 75.3083% | 6,606 |
| Equity capital to assets | 18.0589% | 380 |
| Core capital (leverage) ratio | 17.8985% | 330 |
| Tier 1 risk-based capital ratio | 32.7751% | 427 |
| Total risk-based capital ratio | 34.0611% | 420 |
| Memoranda: | ||
| Average total assets | $86,578,250 | 5,309 |
| Average earning assets | $58,294,500 | 5,966 |
| Average equity | $14,884,500 | 3,940 |
| Average total loans | $44,417,000 | 5,539 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3639% | 1,675 |
| Cost of funding earning assets | 0.6956% | 5,991 |
| Net interest margin | 4.6683% | 785 |
| Noninterest income to average assets | 15.1512% | 45 |
| Noninterest expense to average assets | 8.7251% | 96 |
| Loan and lease loss provision to assets | 0.9233% | 964 |
| Net operating income to assets | 5.0873% | 50 |
| Return on assets (ROA) | 5.0873% | 50 |
| Pretax return on assets | 8.6628% | 38 |
| Return on Equity (ROE) | 30.0956% | 66 |
| Retained earnings to average equity (ytd only) | 30.0956% | 39 |
| Net charge-offs to loans | 2.5188% | 464 |
| Credit loss provision to net charge-offs | 70.6714% | 4,045 |
| Earnings coverage of net charge-offs (x) | 7.3375% | 2,244 |
| Efficiency ratio | 47.6491% | 7,078 |
| Assets per employee ($millions) | 1.8041% | 7,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5283% | 270 |
| Loan loss allowance to noncurrent loans | 39.2748% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 7.3870% | 663 |
| Noncurrent loans to loans | 11.5297% | 285 |
| Net loans and leases to total assets | 46.9399% | 6,156 |
| Net loans and leases to deposits | 63.5747% | 5,332 |
| Net loans and leases to core deposits | 71.9311% | 4,829 |
| Total domestic deposits to total assets | 73.8343% | 6,860 |
| Equity capital to assets | 17.8364% | 397 |
| Core capital (leverage) ratio | 17.7135% | 358 |
| Tier 1 risk-based capital ratio | 31.0136% | 489 |
| Total risk-based capital ratio | 32.2946% | 481 |
| Memoranda: | ||
| Average total assets | $86,646,670 | 5,353 |
| Average earning assets | $58,651,330 | 6,003 |
| Average equity | $14,646,670 | 3,970 |
| Average total loans | $44,941,330 | 5,563 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2498% | 2,050 |
| Cost of funding earning assets | 0.6729% | 6,283 |
| Net interest margin | 4.5769% | 904 |
| Noninterest income to average assets | 22.5266% | 37 |
| Noninterest expense to average assets | 9.0826% | 84 |
| Loan and lease loss provision to assets | 0.8077% | 1,043 |
| Net operating income to assets | 9.2765% | 24 |
| Return on assets (ROA) | 9.2765% | 25 |
| Pretax return on assets | 15.8069% | 19 |
| Return on Equity (ROE) | 56.4329% | 27 |
| Retained earnings to average equity (ytd only) | 56.4329% | 20 |
| Net charge-offs to loans | 1.6304% | 823 |
| Credit loss provision to net charge-offs | 93.0851% | 2,880 |
| Earnings coverage of net charge-offs (x) | 19.1489% | 1,153 |
| Efficiency ratio | 35.3448% | 7,455 |
| Assets per employee ($millions) | 1.7309% | 7,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7084% | 240 |
| Loan loss allowance to noncurrent loans | 27.3217% | 6,450 |
| Noncurrent assets plus other real estate owned to assets | 8.7965% | 507 |
| Noncurrent loans to loans | 17.2333% | 107 |
| Net loans and leases to total assets | 48.6400% | 5,999 |
| Net loans and leases to deposits | 66.8371% | 4,855 |
| Net loans and leases to core deposits | 76.6357% | 4,216 |
| Total domestic deposits to total assets | 72.7740% | 7,016 |
| Equity capital to assets | 17.6230% | 393 |
| Core capital (leverage) ratio | 17.3929% | 366 |
| Tier 1 risk-based capital ratio | 30.5462% | 496 |
| Total risk-based capital ratio | 31.8319% | 486 |
| Memoranda: | ||
| Average total assets | $86,671,000 | 5,387 |
| Average earning assets | $60,040,500 | 5,995 |
| Average equity | $14,247,000 | 4,065 |
| Average total loans | $46,123,500 | 5,554 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9850% | 872 |
| Cost of funding earning assets | 0.9555% | 5,910 |
| Net interest margin | 5.0296% | 402 |
| Noninterest income to average assets | 8.8492% | 73 |
| Noninterest expense to average assets | 9.9941% | 81 |
| Loan and lease loss provision to assets | 2.2698% | 537 |
| Net operating income to assets | 0.1332% | 5,491 |
| Return on assets (ROA) | 0.1332% | 5,643 |
| Pretax return on assets | 0.2287% | 5,413 |
| Return on Equity (ROE) | 0.8522% | 5,737 |
| Retained earnings to average equity (ytd only) | 0.8522% | 5,122 |
| Net charge-offs to loans | 3.0168% | 549 |
| Credit loss provision to net charge-offs | 128.3333% | 3,125 |
| Earnings coverage of net charge-offs (x) | 1.4127% | 4,704 |
| Efficiency ratio | 80.0000% | 2,418 |
| Assets per employee ($millions) | 1.1272% | 7,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3540% | 296 |
| Loan loss allowance to noncurrent loans | 35.8329% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 6.7296% | 835 |
| Noncurrent loans to loans | 12.1508% | 282 |
| Net loans and leases to total assets | 52.9725% | 5,786 |
| Net loans and leases to deposits | 71.4921% | 4,611 |
| Net loans and leases to core deposits | 96.2084% | 1,983 |
| Total domestic deposits to total assets | 74.0956% | 6,882 |
| Equity capital to assets | 15.2565% | 732 |
| Core capital (leverage) ratio | 14.4874% | 749 |
| Tier 1 risk-based capital ratio | 23.3016% | 998 |
| Total risk-based capital ratio | 24.5841% | 976 |
| Memoranda: | ||
| Average total assets | $84,809,800 | 5,451 |
| Average earning assets | $61,436,800 | 5,942 |
| Average equity | $13,259,600 | 4,314 |
| Average total loans | $49,721,200 | 5,495 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0648% | 816 |
| Cost of funding earning assets | 0.9866% | 5,997 |
| Net interest margin | 5.0782% | 375 |
| Noninterest income to average assets | 8.9410% | 72 |
| Noninterest expense to average assets | 10.2615% | 75 |
| Loan and lease loss provision to assets | 1.9767% | 602 |
| Net operating income to assets | 0.2419% | 5,385 |
| Return on assets (ROA) | 0.2419% | 5,541 |
| Pretax return on assets | 0.4143% | 5,178 |
| Return on Equity (ROE) | 1.5379% | 5,756 |
| Retained earnings to average equity (ytd only) | 1.5379% | 5,186 |
| Net charge-offs to loans | 2.9042% | 551 |
| Credit loss provision to net charge-offs | 114.4689% | 3,654 |
| Earnings coverage of net charge-offs (x) | 1.3846% | 4,696 |
| Efficiency ratio | 81.1024% | 2,188 |
| Assets per employee ($millions) | 1.1152% | 7,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7915% | 436 |
| Loan loss allowance to noncurrent loans | 40.0526% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 5.3091% | 1,174 |
| Noncurrent loans to loans | 9.4664% | 476 |
| Net loans and leases to total assets | 53.9571% | 5,857 |
| Net loans and leases to deposits | 70.2477% | 5,112 |
| Net loans and leases to core deposits | 98.9303% | 1,943 |
| Total domestic deposits to total assets | 76.8097% | 6,525 |
| Equity capital to assets | 15.4672% | 777 |
| Core capital (leverage) ratio | 15.0150% | 714 |
| Tier 1 risk-based capital ratio | 23.0319% | 1,067 |
| Total risk-based capital ratio | 24.3078% | 1,031 |
| Memoranda: | ||
| Average total assets | $84,313,250 | 5,530 |
| Average earning assets | $61,621,500 | 6,000 |
| Average equity | $13,264,000 | 4,377 |
| Average total loans | $50,133,750 | 5,563 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1799% | 649 |
| Cost of funding earning assets | 1.0172% | 6,063 |
| Net interest margin | 5.1628% | 303 |
| Noninterest income to average assets | 8.8264% | 73 |
| Noninterest expense to average assets | 10.2561% | 76 |
| Loan and lease loss provision to assets | 1.3724% | 982 |
| Net operating income to assets | 0.6086% | 3,847 |
| Return on assets (ROA) | 0.6086% | 3,980 |
| Pretax return on assets | 1.0383% | 2,986 |
| Return on Equity (ROE) | 3.8467% | 4,850 |
| Retained earnings to average equity (ytd only) | 3.8467% | 3,639 |
| Net charge-offs to loans | 2.3429% | 748 |
| Credit loss provision to net charge-offs | 96.6387% | 4,220 |
| Earnings coverage of net charge-offs (x) | 1.6975% | 4,237 |
| Efficiency ratio | 80.9685% | 2,305 |
| Assets per employee ($millions) | 1.1109% | 7,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3149% | 635 |
| Loan loss allowance to noncurrent loans | 37.8851% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 5.3060% | 1,180 |
| Noncurrent loans to loans | 8.7499% | 557 |
| Net loans and leases to total assets | 57.6896% | 5,460 |
| Net loans and leases to deposits | 78.1044% | 3,945 |
| Net loans and leases to core deposits | 130.4927% | 411 |
| Total domestic deposits to total assets | 73.8622% | 6,989 |
| Equity capital to assets | 16.0634% | 659 |
| Core capital (leverage) ratio | 14.8402% | 757 |
| Tier 1 risk-based capital ratio | 23.3168% | 1,024 |
| Total risk-based capital ratio | 24.5891% | 996 |
| Memoranda: | ||
| Average total assets | $83,793,670 | 5,569 |
| Average earning assets | $62,331,000 | 6,013 |
| Average equity | $13,258,000 | 4,381 |
| Average total loans | $50,791,670 | 5,574 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9341% | 1,120 |
| Cost of funding earning assets | 1.0713% | 6,035 |
| Net interest margin | 4.8628% | 568 |
| Noninterest income to average assets | 8.4303% | 78 |
| Noninterest expense to average assets | 9.9440% | 76 |
| Loan and lease loss provision to assets | 0.9520% | 1,320 |
| Net operating income to assets | 0.6283% | 3,766 |
| Return on assets (ROA) | 0.6283% | 3,893 |
| Pretax return on assets | 1.0996% | 2,733 |
| Return on Equity (ROE) | 4.0015% | 4,897 |
| Retained earnings to average equity (ytd only) | 4.0015% | 3,750 |
| Net charge-offs to loans | 1.5663% | 1,108 |
| Credit loss provision to net charge-offs | 99.5025% | 3,462 |
| Earnings coverage of net charge-offs (x) | 2.1443% | 3,464 |
| Efficiency ratio | 82.8968% | 2,150 |
| Assets per employee ($millions) | 1.1938% | 7,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2397% | 673 |
| Loan loss allowance to noncurrent loans | 46.5512% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 3.8956% | 1,772 |
| Noncurrent loans to loans | 6.9593% | 863 |
| Net loans and leases to total assets | 54.1626% | 6,008 |
| Net loans and leases to deposits | 75.2554% | 4,537 |
| Net loans and leases to core deposits | 139.7547% | 329 |
| Total domestic deposits to total assets | 71.9717% | 7,268 |
| Equity capital to assets | 14.4259% | 1,027 |
| Core capital (leverage) ratio | 14.8865% | 772 |
| Tier 1 risk-based capital ratio | 22.5167% | 1,148 |
| Total risk-based capital ratio | 23.7876% | 1,116 |
| Memoranda: | ||
| Average total assets | $84,030,500 | 5,633 |
| Average earning assets | $61,610,000 | 6,101 |
| Average equity | $13,195,000 | 4,434 |
| Average total loans | $51,330,000 | 5,617 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0897% | 242 |
| Cost of funding earning assets | 1.3853% | 5,993 |
| Net interest margin | 5.7044% | 148 |
| Noninterest income to average assets | 9.3918% | 75 |
| Noninterest expense to average assets | 11.1543% | 85 |
| Loan and lease loss provision to assets | 2.7642% | 666 |
| Net operating income to assets | -0.1306% | 5,726 |
| Return on assets (ROA) | -0.1306% | 5,721 |
| Pretax return on assets | -0.2764% | 5,812 |
| Return on Equity (ROE) | -0.7873% | 5,668 |
| Retained earnings to average equity (ytd only) | -0.7873% | 5,198 |
| Net charge-offs to loans | 2.5865% | 883 |
| Credit loss provision to net charge-offs | 148.2993% | 3,156 |
| Earnings coverage of net charge-offs (x) | 1.3347% | 4,798 |
| Efficiency ratio | 81.7641% | 2,635 |
| Assets per employee ($millions) | 0.9173% | 7,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2576% | 629 |
| Loan loss allowance to noncurrent loans | 50.0450% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 4.3777% | 1,482 |
| Noncurrent loans to loans | 6.5093% | 921 |
| Net loans and leases to total assets | 65.0625% | 4,363 |
| Net loans and leases to deposits | 89.5914% | 2,280 |
| Net loans and leases to core deposits | 101.4230% | 3,857 |
| Total domestic deposits to total assets | 72.6214% | 7,192 |
| Equity capital to assets | 17.2441% | 527 |
| Core capital (leverage) ratio | 17.2934% | 457 |
| Tier 1 risk-based capital ratio | 23.5156% | 991 |
| Total risk-based capital ratio | 24.7873% | 970 |
| Memoranda: | ||
| Average total assets | $78,866,400 | 5,759 |
| Average earning assets | $58,761,600 | 6,183 |
| Average equity | $13,082,000 | 4,493 |
| Average total loans | $56,834,400 | 5,389 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7200% | 493 |
| Cost of funding earning assets | 1.4851% | 5,883 |
| Net interest margin | 5.2350% | 287 |
| Noninterest income to average assets | 9.1178% | 78 |
| Noninterest expense to average assets | 11.4275% | 89 |
| Loan and lease loss provision to assets | 2.4638% | 677 |
| Net operating income to assets | -0.4190% | 6,341 |
| Return on assets (ROA) | -0.4190% | 6,337 |
| Pretax return on assets | -0.7677% | 6,524 |
| Return on Equity (ROE) | -2.5503% | 6,171 |
| Retained earnings to average equity (ytd only) | -2.5503% | 5,827 |
| Net charge-offs to loans | 1.5933% | 1,284 |
| Credit loss provision to net charge-offs | 211.2069% | 2,081 |
| Earnings coverage of net charge-offs (x) | 1.4540% | 4,693 |
| Efficiency ratio | 87.0754% | 1,956 |
| Assets per employee ($millions) | 0.8965% | 8,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2986% | 504 |
| Loan loss allowance to noncurrent loans | 48.8989% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 5.1308% | 1,136 |
| Noncurrent loans to loans | 6.7458% | 835 |
| Net loans and leases to total assets | 73.5507% | 2,656 |
| Net loans and leases to deposits | 103.2306% | 829 |
| Net loans and leases to core deposits | 117.6873% | 2,449 |
| Total domestic deposits to total assets | 71.2489% | 7,311 |
| Equity capital to assets | 18.8052% | 433 |
| Core capital (leverage) ratio | 17.3047% | 514 |
| Tier 1 risk-based capital ratio | 22.7663% | 1,136 |
| Total risk-based capital ratio | 24.0394% | 1,103 |
| Memoranda: | ||
| Average total assets | $79,549,000 | 5,782 |
| Average earning assets | $60,871,250 | 6,144 |
| Average equity | $13,070,250 | 4,519 |
| Average total loans | $58,242,000 | 5,369 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6064% | 655 |
| Cost of funding earning assets | 1.6333% | 5,590 |
| Net interest margin | 4.9731% | 459 |
| Noninterest income to average assets | 8.7630% | 82 |
| Noninterest expense to average assets | 11.1301% | 100 |
| Loan and lease loss provision to assets | 2.5766% | 600 |
| Net operating income to assets | -0.6646% | 6,721 |
| Return on assets (ROA) | -0.6646% | 6,727 |
| Pretax return on assets | -1.1824% | 6,926 |
| Return on Equity (ROE) | -4.2138% | 6,504 |
| Retained earnings to average equity (ytd only) | -4.2138% | 6,170 |
| Net charge-offs to loans | 1.6824% | 1,128 |
| Credit loss provision to net charge-offs | 211.4625% | 2,168 |
| Earnings coverage of net charge-offs (x) | 1.1443% | 4,666 |
| Efficiency ratio | 88.8675% | 1,919 |
| Assets per employee ($millions) | 0.9618% | 8,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7285% | 723 |
| Loan loss allowance to noncurrent loans | 75.7214% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 3.6091% | 1,714 |
| Noncurrent loans to loans | 3.6033% | 1,933 |
| Net loans and leases to total assets | 73.2629% | 2,895 |
| Net loans and leases to deposits | 91.8074% | 2,502 |
| Net loans and leases to core deposits | 101.4870% | 4,346 |
| Total domestic deposits to total assets | 79.8007% | 5,540 |
| Equity capital to assets | 17.4935% | 605 |
| Core capital (leverage) ratio | 15.2677% | 863 |
| Tier 1 risk-based capital ratio | 21.2247% | 1,360 |
| Total risk-based capital ratio | 22.4911% | 1,326 |
| Memoranda: | ||
| Average total assets | $83,054,000 | 5,698 |
| Average earning assets | $62,818,000 | 6,118 |
| Average equity | $13,099,670 | 4,522 |
| Average total loans | $60,153,670 | 5,322 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4205% | 1,019 |
| Cost of funding earning assets | 1.6526% | 5,803 |
| Net interest margin | 4.7679% | 652 |
| Noninterest income to average assets | 7.7807% | 85 |
| Noninterest expense to average assets | 10.1382% | 111 |
| Loan and lease loss provision to assets | 2.1473% | 552 |
| Net operating income to assets | -0.5528% | 6,930 |
| Return on assets (ROA) | -0.5528% | 6,975 |
| Pretax return on assets | -0.9457% | 7,126 |
| Return on Equity (ROE) | -3.6746% | 6,857 |
| Retained earnings to average equity (ytd only) | -3.6746% | 6,382 |
| Net charge-offs to loans | 2.1174% | 680 |
| Credit loss provision to net charge-offs | 142.4242% | 2,878 |
| Earnings coverage of net charge-offs (x) | 0.7970% | 4,392 |
| Efficiency ratio | 89.4037% | 1,770 |
| Assets per employee ($millions) | 1.1956% | 8,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7899% | 1,878 |
| Loan loss allowance to noncurrent loans | 50.3439% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 3.2824% | 1,679 |
| Noncurrent loans to loans | 3.5553% | 1,778 |
| Net loans and leases to total assets | 68.0973% | 4,117 |
| Net loans and leases to deposits | 82.1677% | 4,255 |
| Net loans and leases to core deposits | 89.0306% | 5,645 |
| Total domestic deposits to total assets | 82.8759% | 4,206 |
| Equity capital to assets | 14.8194% | 1,156 |
| Core capital (leverage) ratio | 14.7886% | 1,010 |
| Tier 1 risk-based capital ratio | 19.4569% | 1,727 |
| Total risk-based capital ratio | 20.7123% | 1,673 |
| Memoranda: | ||
| Average total assets | $87,550,000 | 5,565 |
| Average earning assets | $65,353,500 | 6,063 |
| Average equity | $13,171,500 | 4,544 |
| Average total loans | $62,339,500 | 5,274 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3171% | 126 |
| Cost of funding earning assets | 2.7724% | 2,821 |
| Net interest margin | 5.5447% | 195 |
| Noninterest income to average assets | 9.3921% | 79 |
| Noninterest expense to average assets | 10.6556% | 128 |
| Loan and lease loss provision to assets | 0.7586% | 1,968 |
| Net operating income to assets | 1.0795% | 2,225 |
| Return on assets (ROA) | 1.0795% | 2,142 |
| Pretax return on assets | 1.7838% | 980 |
| Return on Equity (ROE) | 7.1625% | 3,445 |
| Retained earnings to average equity (ytd only) | 7.1625% | 1,101 |
| Net charge-offs to loans | 1.0541% | 1,167 |
| Credit loss provision to net charge-offs | 103.7097% | 5,157 |
| Earnings coverage of net charge-offs (x) | 3.4758% | 4,353 |
| Efficiency ratio | 80.7366% | 2,492 |
| Assets per employee ($millions) | 1.0966% | 8,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 2,615 |
| Loan loss allowance to noncurrent loans | 152.5478% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 1.5769% | 3,084 |
| Noncurrent loans to loans | 0.9916% | 4,613 |
| Net loans and leases to total assets | 72.0044% | 3,580 |
| Net loans and leases to deposits | 94.4018% | 2,697 |
| Net loans and leases to core deposits | 102.6850% | 4,531 |
| Total domestic deposits to total assets | 76.2744% | 6,175 |
| Equity capital to assets | 15.2745% | 1,097 |
| Core capital (leverage) ratio | 15.0854% | 1,012 |
| Tier 1 risk-based capital ratio | 19.5502% | 1,694 |
| Total risk-based capital ratio | 20.8032% | 1,650 |
| Memoranda: | ||
| Average total assets | $84,762,800 | 5,524 |
| Average earning assets | $58,181,400 | 6,257 |
| Average equity | $12,774,800 | 4,629 |
| Average total loans | $58,820,200 | 5,327 |