Home > Merchants Commercial Bank > Performance and Condition Ratios
Merchants Commercial Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2419% | 1,591 |
| Cost of funding earning assets | 1.5233% | 1,883 |
| Net interest margin | 3.7186% | 1,722 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 1.5796% | 4,265 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 2.2862% | 306 |
| Return on assets (ROA) | 2.2284% | 316 |
| Pretax return on assets | 2.2441% | 467 |
| Return on Equity (ROE) | 165.5500% | 7 |
| Retained earnings to average equity (ytd only) | 86.7612% | 10 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 40.5391% | 4,351 |
| Assets per employee ($millions) | 13.5595% | 283 |
| Cash dividends to net income (ytd only)* | 47.5929% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 1,756 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 34.5700% | 4,200 |
| Net loans and leases to deposits | 46.8117% | 4,023 |
| Net loans and leases to core deposits | 54.6997% | 3,953 |
| Total domestic deposits to total assets | 73.8600% | 4,114 |
| Equity capital to assets | 3.2721% | 4,536 |
| Core capital (leverage) ratio | 10.1846% | 2,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $491,250,400 | 1,746 |
| Average earning assets | $470,501,800 | 1,711 |
| Average equity | $6,612,400 | 4,095 |
| Average total loans | $165,801,200 | 2,553 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2352% | 1,386 |
| Cost of funding earning assets | 1.4545% | 1,721 |
| Net interest margin | 3.7807% | 1,642 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 1.5875% | 4,249 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 2.2775% | 337 |
| Return on assets (ROA) | 2.2751% | 329 |
| Pretax return on assets | 2.2948% | 485 |
| Return on Equity (ROE) | 267.1400% | 7 |
| Retained earnings to average equity (ytd only) | 143.0218% | 9 |
| Net charge-offs to loans | -0.0008% | 3,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 40.2825% | 4,351 |
| Assets per employee ($millions) | 12.2279% | 354 |
| Cash dividends to net income (ytd only)* | 46.4620% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 1,413 |
| Loan loss allowance to noncurrent loans | 429.0265% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.1283% | 2,698 |
| Noncurrent loans to loans | 0.3286% | 2,053 |
| Net loans and leases to total assets | 38.5100% | 4,111 |
| Net loans and leases to deposits | 48.1558% | 3,999 |
| Net loans and leases to core deposits | 55.4734% | 3,878 |
| Total domestic deposits to total assets | 79.9600% | 3,533 |
| Equity capital to assets | -0.3519% | 4,615 |
| Core capital (leverage) ratio | 9.7044% | 3,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $488,637,500 | 1,750 |
| Average earning assets | $468,505,250 | 1,715 |
| Average equity | $4,161,500 | 4,353 |
| Average total loans | $163,314,500 | 2,578 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0567% | 1,446 |
| Cost of funding earning assets | 1.3387% | 1,614 |
| Net interest margin | 3.7180% | 1,786 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 1.5397% | 4,301 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 2.2453% | 333 |
| Return on assets (ROA) | 2.2453% | 326 |
| Pretax return on assets | 2.2699% | 488 |
| Return on Equity (ROE) | 186.8800% | 8 |
| Retained earnings to average equity (ytd only) | 101.6983% | 10 |
| Net charge-offs to loans | 0.0100% | 1,827 |
| Credit loss provision to net charge-offs | 2,512.5000% | 217 |
| Earnings coverage of net charge-offs (x) | 741.2500% | 203 |
| Efficiency ratio | 39.5884% | 4,407 |
| Assets per employee ($millions) | 11.3214% | 466 |
| Cash dividends to net income (ytd only)* | 45.5797% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 1,296 |
| Loan loss allowance to noncurrent loans | 270.4826% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 2,184 |
| Noncurrent loans to loans | 0.5413% | 1,375 |
| Net loans and leases to total assets | 36.7300% | 4,155 |
| Net loans and leases to deposits | 44.6340% | 4,077 |
| Net loans and leases to core deposits | 52.7366% | 3,929 |
| Total domestic deposits to total assets | 82.2900% | 3,172 |
| Equity capital to assets | 1.6175% | 4,614 |
| Core capital (leverage) ratio | 9.3926% | 3,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $504,782,333 | 1,716 |
| Average earning assets | $485,529,333 | 1,673 |
| Average equity | $6,065,000 | 4,186 |
| Average total loans | $160,442,000 | 2,596 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9492% | 1,328 |
| Cost of funding earning assets | 1.1848% | 1,493 |
| Net interest margin | 3.7644% | 1,759 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.4407% | 4,438 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 2.2990% | 323 |
| Return on assets (ROA) | 2.2990% | 323 |
| Pretax return on assets | 2.3452% | 444 |
| Return on Equity (ROE) | 223.1400% | 10 |
| Retained earnings to average equity (ytd only) | 153.9492% | 10 |
| Net charge-offs to loans | 0.0253% | 1,181 |
| Credit loss provision to net charge-offs | 1,860.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 333.1000% | 338 |
| Efficiency ratio | 36.7091% | 4,522 |
| Assets per employee ($millions) | 13.5285% | 275 |
| Cash dividends to net income (ytd only)* | 31.0088% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 1,382 |
| Loan loss allowance to noncurrent loans | 253.3333% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.1940% | 2,174 |
| Noncurrent loans to loans | 0.5784% | 1,290 |
| Net loans and leases to total assets | 33.0500% | 4,295 |
| Net loans and leases to deposits | 39.0010% | 4,253 |
| Net loans and leases to core deposits | 51.0250% | 3,956 |
| Total domestic deposits to total assets | 84.7500% | 2,918 |
| Equity capital to assets | 2.0475% | 4,634 |
| Core capital (leverage) ratio | 7.9923% | 4,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0222% | 654 |
| Memoranda: | ||
| Average total assets | $536,406,000 | 1,664 |
| Average earning assets | $516,529,500 | 1,603 |
| Average equity | $5,526,500 | 4,298 |
| Average total loans | $158,367,000 | 2,639 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0273% | 1,645 |
| Cost of funding earning assets | 0.4675% | 1,597 |
| Net interest margin | 3.5599% | 1,760 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.4555% | 4,467 |
| Loan and lease loss provision to assets | -0.1100% | 4,542 |
| Net operating income to assets | 2.4819% | 147 |
| Return on assets (ROA) | 2.3772% | 162 |
| Pretax return on assets | 2.2998% | 268 |
| Return on Equity (ROE) | 88.6000% | 8 |
| Retained earnings to average equity (ytd only) | 64.0953% | 4 |
| Net charge-offs to loans | -0.0587% | 4,386 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 38.7625% | 4,563 |
| Assets per employee ($millions) | 15.8321% | 172 |
| Cash dividends to net income (ytd only)* | 27.6549% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 1,326 |
| Loan loss allowance to noncurrent loans | 488.1838% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 3,017 |
| Noncurrent loans to loans | 0.2980% | 2,072 |
| Net loans and leases to total assets | 25.8000% | 4,482 |
| Net loans and leases to deposits | 26.9161% | 4,514 |
| Net loans and leases to core deposits | 33.0913% | 4,436 |
| Total domestic deposits to total assets | 95.8500% | 87 |
| Equity capital to assets | 0.1845% | 4,689 |
| Core capital (leverage) ratio | 8.4715% | 4,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2468% | 945 |
| Memoranda: | ||
| Average total assets | $462,258,600 | 1,828 |
| Average earning assets | $445,802,600 | 1,770 |
| Average equity | $12,403,400 | 3,629 |
| Average total loans | $149,823,800 | 2,635 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8731% | 1,547 |
| Cost of funding earning assets | 0.2535% | 2,667 |
| Net interest margin | 3.6196% | 1,352 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 1.4641% | 4,458 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.5302% | 152 |
| Return on assets (ROA) | 2.5302% | 149 |
| Pretax return on assets | 2.3670% | 251 |
| Return on Equity (ROE) | 71.1900% | 11 |
| Retained earnings to average equity (ytd only) | 53.0590% | 12 |
| Net charge-offs to loans | -0.0098% | 3,708 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 38.2158% | 4,613 |
| Assets per employee ($millions) | 12.0406% | 380 |
| Cash dividends to net income (ytd only)* | 25.4641% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6891% | 898 |
| Loan loss allowance to noncurrent loans | 356.2753% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 2,458 |
| Noncurrent loans to loans | 0.4741% | 1,614 |
| Net loans and leases to total assets | 34.4900% | 4,287 |
| Net loans and leases to deposits | 42.3413% | 4,168 |
| Net loans and leases to core deposits | 44.3775% | 4,168 |
| Total domestic deposits to total assets | 81.4600% | 3,908 |
| Equity capital to assets | -0.9663% | 4,748 |
| Core capital (leverage) ratio | 8.1848% | 4,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5139% | 680 |
| Memoranda: | ||
| Average total assets | $431,478,750 | 1,926 |
| Average earning assets | $415,472,250 | 1,875 |
| Average equity | $15,336,000 | 3,379 |
| Average total loans | $148,941,250 | 2,650 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4961% | 2,160 |
| Cost of funding earning assets | 0.0598% | 4,530 |
| Net interest margin | 3.4363% | 1,494 |
| Noninterest income to average assets | 0.3538% | 3,036 |
| Noninterest expense to average assets | 1.4428% | 4,485 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.4690% | 115 |
| Return on assets (ROA) | 2.4690% | 111 |
| Pretax return on assets | 2.2216% | 235 |
| Return on Equity (ROE) | 48.1561% | 16 |
| Retained earnings to average equity (ytd only) | 37.8102% | 14 |
| Net charge-offs to loans | -0.0137% | 3,720 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3734% | 4,628 |
| Assets per employee ($millions) | 14.7164% | 209 |
| Cash dividends to net income (ytd only)* | 21.4842% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7413% | 890 |
| Loan loss allowance to noncurrent loans | 321.9512% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 2,456 |
| Noncurrent loans to loans | 0.5408% | 1,533 |
| Net loans and leases to total assets | 32.6551% | 4,380 |
| Net loans and leases to deposits | 35.0576% | 4,423 |
| Net loans and leases to core deposits | 35.3488% | 4,455 |
| Total domestic deposits to total assets | 93.1472% | 479 |
| Equity capital to assets | 1.8277% | 4,730 |
| Core capital (leverage) ratio | 7.7763% | 4,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9069% | 867 |
| Memoranda: | ||
| Average total assets | $426,804,667 | 1,951 |
| Average earning assets | $411,198,333 | 1,911 |
| Average equity | $21,883,000 | 2,909 |
| Average total loans | $146,489,000 | 2,679 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2819% | 2,441 |
| Cost of funding earning assets | 0.0364% | 4,685 |
| Net interest margin | 3.2455% | 1,736 |
| Noninterest income to average assets | 0.3611% | 2,927 |
| Noninterest expense to average assets | 1.4812% | 4,447 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.5130% | 121 |
| Return on assets (ROA) | 2.5130% | 116 |
| Pretax return on assets | 1.9995% | 360 |
| Return on Equity (ROE) | 36.1397% | 39 |
| Retained earnings to average equity (ytd only) | 33.6550% | 27 |
| Net charge-offs to loans | -0.0111% | 3,628 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5544% | 4,595 |
| Assets per employee ($millions) | 13.7178% | 264 |
| Cash dividends to net income (ytd only)* | 6.8752% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8392% | 822 |
| Loan loss allowance to noncurrent loans | 295.6229% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 2,377 |
| Noncurrent loans to loans | 0.6221% | 1,508 |
| Net loans and leases to total assets | 33.0583% | 4,339 |
| Net loans and leases to deposits | 34.9491% | 4,425 |
| Net loans and leases to core deposits | 35.2557% | 4,449 |
| Total domestic deposits to total assets | 94.5898% | 69 |
| Equity capital to assets | 5.2000% | 4,702 |
| Core capital (leverage) ratio | 8.5313% | 3,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $412,103,500 | 2,011 |
| Average earning assets | $396,113,000 | 1,969 |
| Average equity | $28,655,500 | 2,556 |
| Average total loans | $143,926,000 | 2,700 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6422% | 2,272 |
| Cost of funding earning assets | 0.0436% | 4,713 |
| Net interest margin | 3.5986% | 1,475 |
| Noninterest income to average assets | 0.4066% | 3,014 |
| Noninterest expense to average assets | 1.7671% | 4,198 |
| Loan and lease loss provision to assets | 0.0975% | 1,277 |
| Net operating income to assets | 1.6160% | 767 |
| Return on assets (ROA) | 1.6844% | 680 |
| Pretax return on assets | 2.0632% | 541 |
| Return on Equity (ROE) | 17.5618% | 509 |
| Retained earnings to average equity (ytd only) | 15.7168% | 187 |
| Net charge-offs to loans | -0.1420% | 4,659 |
| Credit loss provision to net charge-offs | -175.3846% | 3,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9674% | 4,504 |
| Assets per employee ($millions) | 13.7571% | 255 |
| Cash dividends to net income (ytd only)* | 10.5058% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8183% | 832 |
| Loan loss allowance to noncurrent loans | 272.8216% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2416% | 2,351 |
| Noncurrent loans to loans | 0.6665% | 1,501 |
| Net loans and leases to total assets | 35.5947% | 4,307 |
| Net loans and leases to deposits | 39.1716% | 4,361 |
| Net loans and leases to core deposits | 39.5529% | 4,403 |
| Total domestic deposits to total assets | 90.8686% | 541 |
| Equity capital to assets | 8.8225% | 3,786 |
| Core capital (leverage) ratio | 8.9363% | 3,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $350,918,200 | 2,190 |
| Average earning assets | $335,211,600 | 2,161 |
| Average equity | $33,658,200 | 2,346 |
| Average total loans | $137,284,800 | 2,757 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7015% | 2,272 |
| Cost of funding earning assets | 0.0433% | 4,803 |
| Net interest margin | 3.6582% | 1,436 |
| Noninterest income to average assets | 0.4276% | 2,942 |
| Noninterest expense to average assets | 1.7908% | 4,186 |
| Loan and lease loss provision to assets | 0.1345% | 849 |
| Net operating income to assets | 1.6227% | 975 |
| Return on assets (ROA) | 1.7172% | 836 |
| Pretax return on assets | 2.1059% | 666 |
| Return on Equity (ROE) | 17.4911% | 690 |
| Retained earnings to average equity (ytd only) | 15.7159% | 319 |
| Net charge-offs to loans | -0.1890% | 4,763 |
| Credit loss provision to net charge-offs | -178.1250% | 3,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7304% | 4,516 |
| Assets per employee ($millions) | 10.6009% | 543 |
| Cash dividends to net income (ytd only)* | 10.1489% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8539% | 837 |
| Loan loss allowance to noncurrent loans | 252.5962% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.3066% | 2,236 |
| Noncurrent loans to loans | 0.7339% | 1,526 |
| Net loans and leases to total assets | 40.9974% | 4,145 |
| Net loans and leases to deposits | 45.9212% | 4,230 |
| Net loans and leases to core deposits | 46.5072% | 4,304 |
| Total domestic deposits to total assets | 89.2777% | 1,133 |
| Equity capital to assets | 10.2509% | 2,653 |
| Core capital (leverage) ratio | 8.7410% | 3,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $338,909,000 | 2,269 |
| Average earning assets | $323,176,750 | 2,240 |
| Average equity | $33,273,250 | 2,399 |
| Average total loans | $135,446,750 | 2,818 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5186% | 2,834 |
| Cost of funding earning assets | 0.0414% | 4,851 |
| Net interest margin | 3.4771% | 1,929 |
| Noninterest income to average assets | 0.4433% | 2,883 |
| Noninterest expense to average assets | 1.7450% | 4,290 |
| Loan and lease loss provision to assets | 0.2019% | 551 |
| Net operating income to assets | 1.4846% | 1,338 |
| Return on assets (ROA) | 1.4846% | 1,394 |
| Pretax return on assets | 1.8164% | 1,193 |
| Return on Equity (ROE) | 15.3480% | 1,079 |
| Retained earnings to average equity (ytd only) | 13.7247% | 593 |
| Net charge-offs to loans | -0.2819% | 4,833 |
| Credit loss provision to net charge-offs | -181.9149% | 3,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3686% | 4,497 |
| Assets per employee ($millions) | 10.8693% | 478 |
| Cash dividends to net income (ytd only)* | 10.5765% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9420% | 679 |
| Loan loss allowance to noncurrent loans | 237.0370% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 2,373 |
| Noncurrent loans to loans | 0.8193% | 1,503 |
| Net loans and leases to total assets | 36.9390% | 4,428 |
| Net loans and leases to deposits | 41.0344% | 4,486 |
| Net loans and leases to core deposits | 41.5245% | 4,535 |
| Total domestic deposits to total assets | 90.0197% | 767 |
| Equity capital to assets | 9.4710% | 3,363 |
| Core capital (leverage) ratio | 8.0158% | 4,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $338,802,333 | 2,264 |
| Average earning assets | $323,485,000 | 2,228 |
| Average equity | $32,773,000 | 2,416 |
| Average total loans | $133,361,667 | 2,855 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4973% | 2,931 |
| Cost of funding earning assets | 0.0444% | 4,879 |
| Net interest margin | 3.4528% | 1,955 |
| Noninterest income to average assets | 0.3661% | 3,262 |
| Noninterest expense to average assets | 1.7272% | 4,326 |
| Loan and lease loss provision to assets | 0.3284% | 264 |
| Net operating income to assets | 1.3270% | 1,739 |
| Return on assets (ROA) | 1.3270% | 1,824 |
| Pretax return on assets | 1.6177% | 1,674 |
| Return on Equity (ROE) | 13.5637% | 1,523 |
| Retained earnings to average equity (ytd only) | 12.4573% | 1,040 |
| Net charge-offs to loans | -0.5616% | 4,893 |
| Credit loss provision to net charge-offs | -145.1613% | 2,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0199% | 4,405 |
| Assets per employee ($millions) | 11.1634% | 432 |
| Cash dividends to net income (ytd only)* | 8.1577% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8965% | 741 |
| Loan loss allowance to noncurrent loans | 214.0218% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3233% | 2,524 |
| Noncurrent loans to loans | 0.8861% | 1,529 |
| Net loans and leases to total assets | 35.7925% | 4,511 |
| Net loans and leases to deposits | 39.3939% | 4,584 |
| Net loans and leases to core deposits | 39.8080% | 4,629 |
| Total domestic deposits to total assets | 90.8579% | 449 |
| Equity capital to assets | 8.6079% | 4,041 |
| Core capital (leverage) ratio | 8.0649% | 4,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $328,860,500 | 2,293 |
| Average earning assets | $314,989,000 | 2,248 |
| Average equity | $32,174,000 | 2,432 |
| Average total loans | $132,483,000 | 2,871 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8580% | 3,140 |
| Cost of funding earning assets | 0.1123% | 4,837 |
| Net interest margin | 3.7458% | 1,652 |
| Noninterest income to average assets | 0.5644% | 2,353 |
| Noninterest expense to average assets | 1.8873% | 4,339 |
| Loan and lease loss provision to assets | 0.3303% | 1,088 |
| Net operating income to assets | 1.5581% | 698 |
| Return on assets (ROA) | 1.6460% | 626 |
| Pretax return on assets | 2.0300% | 429 |
| Return on Equity (ROE) | 16.8765% | 424 |
| Retained earnings to average equity (ytd only) | 15.7886% | 125 |
| Net charge-offs to loans | 0.2001% | 862 |
| Credit loss provision to net charge-offs | 436.6516% | 1,356 |
| Earnings coverage of net charge-offs (x) | 29.7692% | 1,618 |
| Efficiency ratio | 45.5966% | 4,733 |
| Assets per employee ($millions) | 9.0415% | 730 |
| Cash dividends to net income (ytd only)* | 6.4462% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6039% | 1,284 |
| Loan loss allowance to noncurrent loans | 166.5871% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.4345% | 2,279 |
| Noncurrent loans to loans | 0.9628% | 1,467 |
| Net loans and leases to total assets | 44.4015% | 4,226 |
| Net loans and leases to deposits | 50.4699% | 4,290 |
| Net loans and leases to core deposits | 51.1157% | 4,383 |
| Total domestic deposits to total assets | 87.9763% | 1,482 |
| Equity capital to assets | 11.2803% | 2,034 |
| Core capital (leverage) ratio | 9.6015% | 3,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,163,200 | 2,335 |
| Average earning assets | $278,820,000 | 2,297 |
| Average equity | $28,495,200 | 2,570 |
| Average total loans | $110,465,200 | 3,095 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8540% | 3,405 |
| Cost of funding earning assets | 0.1284% | 4,860 |
| Net interest margin | 3.7256% | 1,855 |
| Noninterest income to average assets | 0.3792% | 3,192 |
| Noninterest expense to average assets | 1.8665% | 4,386 |
| Loan and lease loss provision to assets | 0.3141% | 1,269 |
| Net operating income to assets | 1.4232% | 1,052 |
| Return on assets (ROA) | 1.5401% | 910 |
| Pretax return on assets | 1.8966% | 638 |
| Return on Equity (ROE) | 16.4261% | 501 |
| Retained earnings to average equity (ytd only) | 15.3530% | 182 |
| Net charge-offs to loans | 0.2605% | 589 |
| Credit loss provision to net charge-offs | 334.9515% | 1,650 |
| Earnings coverage of net charge-offs (x) | 22.0340% | 1,845 |
| Efficiency ratio | 47.4592% | 4,641 |
| Assets per employee ($millions) | 9.2932% | 636 |
| Cash dividends to net income (ytd only)* | 6.5327% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 1,444 |
| Loan loss allowance to noncurrent loans | 58.3890% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 1.0903% | 966 |
| Noncurrent loans to loans | 2.5357% | 412 |
| Net loans and leases to total assets | 42.3610% | 4,487 |
| Net loans and leases to deposits | 48.3229% | 4,543 |
| Net loans and leases to core deposits | 51.6935% | 4,539 |
| Total domestic deposits to total assets | 87.6625% | 1,365 |
| Equity capital to assets | 10.8161% | 2,541 |
| Core capital (leverage) ratio | 8.8445% | 3,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,872,000 | 2,307 |
| Average earning assets | $279,358,750 | 2,278 |
| Average equity | $27,459,750 | 2,626 |
| Average total loans | $105,441,500 | 3,167 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8031% | 3,851 |
| Cost of funding earning assets | 0.1605% | 4,855 |
| Net interest margin | 3.6426% | 2,341 |
| Noninterest income to average assets | 0.3824% | 3,190 |
| Noninterest expense to average assets | 1.8562% | 4,473 |
| Loan and lease loss provision to assets | 0.3573% | 1,180 |
| Net operating income to assets | 1.3381% | 1,250 |
| Return on assets (ROA) | 1.5092% | 984 |
| Pretax return on assets | 1.8644% | 720 |
| Return on Equity (ROE) | 16.9448% | 461 |
| Retained earnings to average equity (ytd only) | 15.9306% | 181 |
| Net charge-offs to loans | 0.2578% | 612 |
| Credit loss provision to net charge-offs | 410.9375% | 1,384 |
| Earnings coverage of net charge-offs (x) | 23.1250% | 1,608 |
| Efficiency ratio | 48.0063% | 4,631 |
| Assets per employee ($millions) | 10.0555% | 489 |
| Cash dividends to net income (ytd only)* | 5.9856% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5043% | 1,251 |
| Loan loss allowance to noncurrent loans | 45.6613% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.3120% | 793 |
| Noncurrent loans to loans | 3.2944% | 260 |
| Net loans and leases to total assets | 39.2270% | 4,638 |
| Net loans and leases to deposits | 44.6997% | 4,686 |
| Net loans and leases to core deposits | 47.8747% | 4,670 |
| Total domestic deposits to total assets | 87.7569% | 1,304 |
| Equity capital to assets | 10.1872% | 3,035 |
| Core capital (leverage) ratio | 8.5568% | 4,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $294,466,667 | 2,284 |
| Average earning assets | $281,665,667 | 2,237 |
| Average equity | $26,226,333 | 2,702 |
| Average total loans | $99,298,333 | 3,248 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9184% | 4,001 |
| Cost of funding earning assets | 0.2527% | 4,765 |
| Net interest margin | 3.6658% | 2,450 |
| Noninterest income to average assets | 0.4218% | 2,959 |
| Noninterest expense to average assets | 1.8250% | 4,636 |
| Loan and lease loss provision to assets | 0.1582% | 1,824 |
| Net operating income to assets | 1.5560% | 691 |
| Return on assets (ROA) | 1.5560% | 759 |
| Pretax return on assets | 1.9493% | 512 |
| Return on Equity (ROE) | 18.8026% | 220 |
| Retained earnings to average equity (ytd only) | 18.0838% | 89 |
| Net charge-offs to loans | -0.0132% | 4,180 |
| Credit loss provision to net charge-offs | -3,900.0000% | 3,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4077% | 4,818 |
| Assets per employee ($millions) | 10.2171% | 362 |
| Cash dividends to net income (ytd only)* | 3.8228% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 1,133 |
| Loan loss allowance to noncurrent loans | 36.5308% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.3581% | 845 |
| Noncurrent loans to loans | 4.3136% | 163 |
| Net loans and leases to total assets | 30.9879% | 4,889 |
| Net loans and leases to deposits | 34.0340% | 4,934 |
| Net loans and leases to core deposits | 34.4767% | 4,941 |
| Total domestic deposits to total assets | 91.0498% | 104 |
| Equity capital to assets | 8.4794% | 4,845 |
| Core capital (leverage) ratio | 7.6879% | 5,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8242% | 658 |
| Memoranda: | ||
| Average total assets | $295,895,000 | 2,233 |
| Average earning assets | $283,377,500 | 2,181 |
| Average equity | $24,486,000 | 2,811 |
| Average total loans | $90,879,000 | 3,377 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6650% | 2,424 |
| Cost of funding earning assets | 0.3550% | 4,585 |
| Net interest margin | 4.3100% | 1,073 |
| Noninterest income to average assets | 0.2761% | 4,027 |
| Noninterest expense to average assets | 1.9920% | 4,546 |
| Loan and lease loss provision to assets | 0.1182% | 1,788 |
| Net operating income to assets | 1.7802% | 543 |
| Return on assets (ROA) | 1.8168% | 532 |
| Pretax return on assets | 2.3132% | 301 |
| Return on Equity (ROE) | 22.3956% | 130 |
| Retained earnings to average equity (ytd only) | 21.7566% | 24 |
| Net charge-offs to loans | 0.5878% | 315 |
| Credit loss provision to net charge-offs | 56.8998% | 3,067 |
| Earnings coverage of net charge-offs (x) | 11.4802% | 2,492 |
| Efficiency ratio | 45.5092% | 4,929 |
| Assets per employee ($millions) | 10.1894% | 344 |
| Cash dividends to net income (ytd only)* | 2.8534% | 3,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 1,155 |
| Loan loss allowance to noncurrent loans | 31.3007% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.4596% | 706 |
| Noncurrent loans to loans | 4.8750% | 110 |
| Net loans and leases to total assets | 29.4835% | 4,973 |
| Net loans and leases to deposits | 32.2172% | 5,019 |
| Net loans and leases to core deposits | 32.6342% | 5,027 |
| Total domestic deposits to total assets | 91.5149% | 67 |
| Equity capital to assets | 8.0706% | 5,048 |
| Core capital (leverage) ratio | 8.2209% | 4,967 |
| Tier 1 risk-based capital ratio | 20.9656% | 1,172 |
| Total risk-based capital ratio | 22.2154% | 1,143 |
| Memoranda: | ||
| Average total assets | $254,624,600 | 2,432 |
| Average earning assets | $242,274,000 | 2,388 |
| Average equity | $20,655,800 | 3,071 |
| Average total loans | $90,002,800 | 3,397 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8772% | 1,882 |
| Cost of funding earning assets | 0.3806% | 4,559 |
| Net interest margin | 4.4965% | 773 |
| Noninterest income to average assets | 0.2237% | 4,394 |
| Noninterest expense to average assets | 1.9993% | 4,557 |
| Loan and lease loss provision to assets | 0.1129% | 1,732 |
| Net operating income to assets | 1.8683% | 539 |
| Return on assets (ROA) | 1.9192% | 490 |
| Pretax return on assets | 2.4483% | 277 |
| Return on Equity (ROE) | 23.6208% | 119 |
| Retained earnings to average equity (ytd only) | 23.0299% | 33 |
| Net charge-offs to loans | 0.3437% | 492 |
| Credit loss provision to net charge-offs | 88.8412% | 2,409 |
| Earnings coverage of net charge-offs (x) | 19.6437% | 1,990 |
| Efficiency ratio | 44.4674% | 4,993 |
| Assets per employee ($millions) | 8.8173% | 518 |
| Cash dividends to net income (ytd only)* | 2.5014% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7422% | 753 |
| Loan loss allowance to noncurrent loans | 24.3142% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 2.4947% | 278 |
| Noncurrent loans to loans | 7.1656% | 53 |
| Net loans and leases to total assets | 34.2084% | 4,987 |
| Net loans and leases to deposits | 37.8400% | 5,037 |
| Net loans and leases to core deposits | 38.4126% | 5,053 |
| Total domestic deposits to total assets | 90.4029% | 194 |
| Equity capital to assets | 9.1094% | 4,722 |
| Core capital (leverage) ratio | 8.6209% | 4,877 |
| Tier 1 risk-based capital ratio | 20.6783% | 1,237 |
| Total risk-based capital ratio | 21.9319% | 1,207 |
| Memoranda: | ||
| Average total assets | $244,407,250 | 2,516 |
| Average earning assets | $232,233,000 | 2,477 |
| Average equity | $19,857,750 | 3,167 |
| Average total loans | $90,385,500 | 3,428 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0772% | 1,279 |
| Cost of funding earning assets | 0.4196% | 4,434 |
| Net interest margin | 4.6576% | 542 |
| Noninterest income to average assets | 0.1039% | 5,019 |
| Noninterest expense to average assets | 2.0395% | 4,534 |
| Loan and lease loss provision to assets | 0.1363% | 1,359 |
| Net operating income to assets | 1.8471% | 542 |
| Return on assets (ROA) | 1.9174% | 479 |
| Pretax return on assets | 2.4451% | 263 |
| Return on Equity (ROE) | 24.6571% | 101 |
| Retained earnings to average equity (ytd only) | 24.1868% | 29 |
| Net charge-offs to loans | 0.0264% | 2,325 |
| Credit loss provision to net charge-offs | 1,366.6667% | 263 |
| Earnings coverage of net charge-offs (x) | 249.9167% | 323 |
| Efficiency ratio | 45.0028% | 5,025 |
| Assets per employee ($millions) | 8.0920% | 650 |
| Cash dividends to net income (ytd only)* | 1.9072% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9374% | 529 |
| Loan loss allowance to noncurrent loans | 31.8768% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 2.3113% | 346 |
| Noncurrent loans to loans | 6.0777% | 65 |
| Net loans and leases to total assets | 37.2930% | 4,936 |
| Net loans and leases to deposits | 41.3826% | 5,016 |
| Net loans and leases to core deposits | 42.0662% | 5,045 |
| Total domestic deposits to total assets | 90.1176% | 305 |
| Equity capital to assets | 9.2969% | 4,580 |
| Core capital (leverage) ratio | 8.1957% | 5,113 |
| Tier 1 risk-based capital ratio | 20.2085% | 1,305 |
| Total risk-based capital ratio | 21.4651% | 1,280 |
| Memoranda: | ||
| Average total assets | $240,642,000 | 2,549 |
| Average earning assets | $228,788,670 | 2,510 |
| Average equity | $18,712,670 | 3,282 |
| Average total loans | $90,839,670 | 3,439 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6699% | 2,318 |
| Cost of funding earning assets | 0.3805% | 4,572 |
| Net interest margin | 4.2894% | 1,114 |
| Noninterest income to average assets | -0.0772% | 5,336 |
| Noninterest expense to average assets | 1.9965% | 4,648 |
| Loan and lease loss provision to assets | 0.1379% | 1,254 |
| Net operating income to assets | 1.4678% | 1,187 |
| Return on assets (ROA) | 1.4678% | 1,214 |
| Pretax return on assets | 1.8602% | 860 |
| Return on Equity (ROE) | 20.8386% | 220 |
| Retained earnings to average equity (ytd only) | 20.8386% | 89 |
| Net charge-offs to loans | 0.0524% | 1,537 |
| Credit loss provision to net charge-offs | 700.0000% | 485 |
| Earnings coverage of net charge-offs (x) | 101.4167% | 660 |
| Efficiency ratio | 49.9794% | 4,829 |
| Assets per employee ($millions) | 9.1225% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8384% | 655 |
| Loan loss allowance to noncurrent loans | 21.4853% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 3.1712% | 187 |
| Noncurrent loans to loans | 8.5565% | 36 |
| Net loans and leases to total assets | 35.7475% | 5,025 |
| Net loans and leases to deposits | 38.8360% | 5,097 |
| Net loans and leases to core deposits | 39.5548% | 5,118 |
| Total domestic deposits to total assets | 92.0474% | 60 |
| Equity capital to assets | 7.3424% | 5,280 |
| Core capital (leverage) ratio | 7.4985% | 5,286 |
| Tier 1 risk-based capital ratio | 18.2797% | 1,719 |
| Total risk-based capital ratio | 19.5331% | 1,671 |
| Memoranda: | ||
| Average total assets | $243,628,500 | 2,560 |
| Average earning assets | $231,270,000 | 2,516 |
| Average equity | $17,160,500 | 3,465 |
| Average total loans | $91,637,500 | 3,459 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6598% | 1,957 |
| Cost of funding earning assets | 0.3835% | 4,090 |
| Net interest margin | 4.2763% | 1,210 |
| Noninterest income to average assets | 0.1319% | 5,035 |
| Noninterest expense to average assets | 2.2997% | 4,123 |
| Loan and lease loss provision to assets | 0.0790% | 2,546 |
| Net operating income to assets | 1.3462% | 1,629 |
| Return on assets (ROA) | 1.3462% | 1,616 |
| Pretax return on assets | 1.6955% | 1,178 |
| Return on Equity (ROE) | 20.0367% | 248 |
| Retained earnings to average equity (ytd only) | 19.4243% | 37 |
| Net charge-offs to loans | 0.1160% | 1,592 |
| Credit loss provision to net charge-offs | 156.4815% | 1,774 |
| Earnings coverage of net charge-offs (x) | 35.1389% | 1,444 |
| Efficiency ratio | 56.4444% | 4,352 |
| Assets per employee ($millions) | 9.6380% | 377 |
| Cash dividends to net income (ytd only)* | 3.0566% | 3,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6852% | 858 |
| Loan loss allowance to noncurrent loans | 19.9368% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 4.2548% | 97 |
| Noncurrent loans to loans | 8.4529% | 41 |
| Net loans and leases to total assets | 38.1824% | 5,007 |
| Net loans and leases to deposits | 41.1703% | 5,102 |
| Net loans and leases to core deposits | 41.9417% | 5,126 |
| Total domestic deposits to total assets | 92.7424% | 45 |
| Equity capital to assets | 6.7384% | 5,350 |
| Core capital (leverage) ratio | 8.0189% | 5,229 |
| Tier 1 risk-based capital ratio | 17.2969% | 1,952 |
| Total risk-based capital ratio | 18.5501% | 1,914 |
| Memoranda: | ||
| Average total assets | $213,855,200 | 2,741 |
| Average earning assets | $197,154,400 | 2,745 |
| Average equity | $14,368,600 | 3,706 |
| Average total loans | $93,137,200 | 3,421 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7383% | 1,574 |
| Cost of funding earning assets | 0.4010% | 3,849 |
| Net interest margin | 4.3374% | 1,042 |
| Noninterest income to average assets | 0.0019% | 5,423 |
| Noninterest expense to average assets | 2.3758% | 3,908 |
| Loan and lease loss provision to assets | 0.0579% | 2,819 |
| Net operating income to assets | 1.2265% | 2,138 |
| Return on assets (ROA) | 1.2265% | 2,137 |
| Pretax return on assets | 1.5382% | 1,774 |
| Return on Equity (ROE) | 18.2706% | 401 |
| Retained earnings to average equity (ytd only) | 17.8486% | 87 |
| Net charge-offs to loans | 0.1247% | 1,268 |
| Credit loss provision to net charge-offs | 103.4483% | 2,207 |
| Earnings coverage of net charge-offs (x) | 28.4935% | 1,661 |
| Efficiency ratio | 59.8152% | 3,840 |
| Assets per employee ($millions) | 7.6358% | 731 |
| Cash dividends to net income (ytd only)* | 2.3099% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6703% | 929 |
| Loan loss allowance to noncurrent loans | 18.9337% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 4.8690% | 91 |
| Noncurrent loans to loans | 8.8218% | 42 |
| Net loans and leases to total assets | 41.8527% | 4,969 |
| Net loans and leases to deposits | 45.0240% | 5,083 |
| Net loans and leases to core deposits | 45.9719% | 5,112 |
| Total domestic deposits to total assets | 92.9566% | 35 |
| Equity capital to assets | 6.4307% | 5,429 |
| Core capital (leverage) ratio | 7.8192% | 5,352 |
| Tier 1 risk-based capital ratio | 16.3719% | 2,310 |
| Total risk-based capital ratio | 17.6253% | 2,255 |
| Memoranda: | ||
| Average total assets | $207,081,750 | 2,819 |
| Average earning assets | $189,541,750 | 2,850 |
| Average equity | $13,901,750 | 3,788 |
| Average total loans | $93,027,250 | 3,450 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6911% | 1,527 |
| Cost of funding earning assets | 0.3944% | 3,763 |
| Net interest margin | 4.2967% | 1,037 |
| Noninterest income to average assets | -0.3984% | 5,525 |
| Noninterest expense to average assets | 2.4380% | 3,803 |
| Loan and lease loss provision to assets | 0.0371% | 3,165 |
| Net operating income to assets | 0.8856% | 3,523 |
| Return on assets (ROA) | 0.8856% | 3,527 |
| Pretax return on assets | 1.0945% | 3,338 |
| Return on Equity (ROE) | 13.0011% | 1,374 |
| Retained earnings to average equity (ytd only) | 12.6857% | 429 |
| Net charge-offs to loans | 0.1942% | 807 |
| Credit loss provision to net charge-offs | 41.7582% | 2,550 |
| Earnings coverage of net charge-offs (x) | 12.7363% | 2,188 |
| Efficiency ratio | 68.2987% | 2,592 |
| Assets per employee ($millions) | 8.0470% | 616 |
| Cash dividends to net income (ytd only)* | 2.4256% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6143% | 1,071 |
| Loan loss allowance to noncurrent loans | 17.1449% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 5.4564% | 75 |
| Noncurrent loans to loans | 9.4159% | 32 |
| Net loans and leases to total assets | 42.6449% | 4,963 |
| Net loans and leases to deposits | 45.7404% | 5,107 |
| Net loans and leases to core deposits | 46.7227% | 5,130 |
| Total domestic deposits to total assets | 93.2326% | 29 |
| Equity capital to assets | 6.5151% | 5,482 |
| Core capital (leverage) ratio | 7.5025% | 5,441 |
| Tier 1 risk-based capital ratio | 15.2074% | 2,778 |
| Total risk-based capital ratio | 16.4594% | 2,702 |
| Memoranda: | ||
| Average total assets | $204,841,670 | 2,855 |
| Average earning assets | $189,168,330 | 2,861 |
| Average equity | $13,952,670 | 3,804 |
| Average total loans | $93,702,330 | 3,449 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8924% | 883 |
| Cost of funding earning assets | 0.3900% | 3,664 |
| Net interest margin | 4.5024% | 614 |
| Noninterest income to average assets | 0.4560% | 3,071 |
| Noninterest expense to average assets | 2.4298% | 3,865 |
| Loan and lease loss provision to assets | 0.0197% | 3,280 |
| Net operating income to assets | 1.7014% | 688 |
| Return on assets (ROA) | 1.7014% | 697 |
| Pretax return on assets | 2.1535% | 412 |
| Return on Equity (ROE) | 24.4305% | 93 |
| Retained earnings to average equity (ytd only) | 24.4305% | 48 |
| Net charge-offs to loans | 0.1512% | 923 |
| Credit loss provision to net charge-offs | 27.7778% | 2,086 |
| Earnings coverage of net charge-offs (x) | 30.5833% | 1,225 |
| Efficiency ratio | 52.7873% | 4,900 |
| Assets per employee ($millions) | 8.2086% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6063% | 1,146 |
| Loan loss allowance to noncurrent loans | 17.1916% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 7.0573% | 47 |
| Noncurrent loans to loans | 9.3435% | 28 |
| Net loans and leases to total assets | 42.7646% | 4,949 |
| Net loans and leases to deposits | 45.8814% | 5,100 |
| Net loans and leases to core deposits | 46.9086% | 5,127 |
| Total domestic deposits to total assets | 93.2069% | 33 |
| Equity capital to assets | 6.5419% | 5,538 |
| Core capital (leverage) ratio | 7.7619% | 5,458 |
| Tier 1 risk-based capital ratio | 15.2354% | 2,771 |
| Total risk-based capital ratio | 16.4878% | 2,706 |
| Memoranda: | ||
| Average total assets | $202,651,000 | 2,911 |
| Average earning assets | $186,657,500 | 2,925 |
| Average equity | $14,113,500 | 3,816 |
| Average total loans | $95,210,000 | 3,443 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1347% | 2,933 |
| Cost of funding earning assets | 0.4141% | 3,110 |
| Net interest margin | 3.7207% | 2,720 |
| Noninterest income to average assets | 0.5225% | 2,865 |
| Noninterest expense to average assets | 2.4869% | 3,827 |
| Loan and lease loss provision to assets | 0.3371% | 491 |
| Net operating income to assets | 0.6235% | 3,916 |
| Return on assets (ROA) | 0.6235% | 3,957 |
| Pretax return on assets | 1.1262% | 3,078 |
| Return on Equity (ROE) | 8.4770% | 2,559 |
| Retained earnings to average equity (ytd only) | 8.4770% | 627 |
| Net charge-offs to loans | 0.9847% | 185 |
| Credit loss provision to net charge-offs | 67.3426% | 3,127 |
| Earnings coverage of net charge-offs (x) | 2.9232% | 3,673 |
| Efficiency ratio | 62.9565% | 3,786 |
| Assets per employee ($millions) | 7.1066% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5544% | 1,260 |
| Loan loss allowance to noncurrent loans | 15.7534% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 7.7111% | 40 |
| Noncurrent loans to loans | 9.8669% | 25 |
| Net loans and leases to total assets | 50.1058% | 4,640 |
| Net loans and leases to deposits | 54.4797% | 4,870 |
| Net loans and leases to core deposits | 56.0405% | 4,935 |
| Total domestic deposits to total assets | 91.9715% | 86 |
| Equity capital to assets | 7.4344% | 5,550 |
| Core capital (leverage) ratio | 8.2680% | 5,307 |
| Tier 1 risk-based capital ratio | 13.7441% | 3,498 |
| Total risk-based capital ratio | 14.9954% | 3,415 |
| Memoranda: | ||
| Average total assets | $187,184,200 | 3,050 |
| Average earning assets | $172,442,400 | 3,042 |
| Average equity | $13,766,600 | 3,875 |
| Average total loans | $95,160,200 | 3,432 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 3,208 |
| Cost of funding earning assets | 0.4193% | 2,992 |
| Net interest margin | 3.6232% | 3,058 |
| Noninterest income to average assets | 0.6064% | 2,440 |
| Noninterest expense to average assets | 2.5496% | 3,568 |
| Loan and lease loss provision to assets | 0.4043% | 332 |
| Net operating income to assets | 0.6989% | 3,993 |
| Return on assets (ROA) | 0.6989% | 4,051 |
| Pretax return on assets | 0.9913% | 3,717 |
| Return on Equity (ROE) | 9.5292% | 2,334 |
| Retained earnings to average equity (ytd only) | 9.5292% | 698 |
| Net charge-offs to loans | 1.2891% | 129 |
| Credit loss provision to net charge-offs | 61.7068% | 2,787 |
| Earnings coverage of net charge-offs (x) | 2.1302% | 3,503 |
| Efficiency ratio | 64.6257% | 3,430 |
| Assets per employee ($millions) | 6.5382% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 1,578 |
| Loan loss allowance to noncurrent loans | 15.0660% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 8.8357% | 34 |
| Noncurrent loans to loans | 9.8795% | 28 |
| Net loans and leases to total assets | 57.3488% | 4,120 |
| Net loans and leases to deposits | 63.9385% | 4,380 |
| Net loans and leases to core deposits | 66.1871% | 4,471 |
| Total domestic deposits to total assets | 89.6937% | 577 |
| Equity capital to assets | 8.3827% | 5,350 |
| Core capital (leverage) ratio | 7.8809% | 5,547 |
| Tier 1 risk-based capital ratio | 13.4564% | 3,732 |
| Total risk-based capital ratio | 14.7080% | 3,646 |
| Memoranda: | ||
| Average total assets | $186,010,750 | 3,084 |
| Average earning assets | $171,407,500 | 3,080 |
| Average equity | $13,642,000 | 3,931 |
| Average total loans | $94,535,250 | 3,471 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7475% | 4,084 |
| Cost of funding earning assets | 0.3928% | 3,142 |
| Net interest margin | 3.3548% | 3,934 |
| Noninterest income to average assets | 0.6114% | 2,402 |
| Noninterest expense to average assets | 2.3078% | 4,323 |
| Loan and lease loss provision to assets | 0.1463% | 1,391 |
| Net operating income to assets | 0.8612% | 3,108 |
| Return on assets (ROA) | 0.8612% | 3,163 |
| Pretax return on assets | 1.2553% | 2,554 |
| Return on Equity (ROE) | 12.2625% | 1,220 |
| Retained earnings to average equity (ytd only) | 12.2625% | 297 |
| Net charge-offs to loans | 0.0559% | 2,131 |
| Credit loss provision to net charge-offs | 538.4615% | 621 |
| Earnings coverage of net charge-offs (x) | 51.5769% | 1,051 |
| Efficiency ratio | 62.2147% | 3,955 |
| Assets per employee ($millions) | 7.4056% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0397% | 563 |
| Loan loss allowance to noncurrent loans | 19.2640% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 7.9451% | 44 |
| Noncurrent loans to loans | 10.5883% | 21 |
| Net loans and leases to total assets | 48.3136% | 4,804 |
| Net loans and leases to deposits | 52.2888% | 5,045 |
| Net loans and leases to core deposits | 53.9325% | 5,095 |
| Total domestic deposits to total assets | 92.3977% | 45 |
| Equity capital to assets | 7.2907% | 5,683 |
| Core capital (leverage) ratio | 7.5075% | 5,656 |
| Tier 1 risk-based capital ratio | 13.9629% | 3,444 |
| Total risk-based capital ratio | 15.2198% | 3,361 |
| Memoranda: | ||
| Average total assets | $191,350,000 | 3,044 |
| Average earning assets | $176,702,330 | 3,032 |
| Average equity | $13,439,330 | 3,967 |
| Average total loans | $93,059,670 | 3,510 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5648% | 4,511 |
| Cost of funding earning assets | 0.3535% | 3,490 |
| Net interest margin | 3.2112% | 4,304 |
| Noninterest income to average assets | 0.6018% | 2,405 |
| Noninterest expense to average assets | 2.2731% | 4,476 |
| Loan and lease loss provision to assets | 0.1300% | 1,475 |
| Net operating income to assets | 0.7968% | 3,235 |
| Return on assets (ROA) | 0.7968% | 3,288 |
| Pretax return on assets | 1.1512% | 2,773 |
| Return on Equity (ROE) | 11.5677% | 1,384 |
| Retained earnings to average equity (ytd only) | 11.5677% | 522 |
| Net charge-offs to loans | 0.1086% | 1,306 |
| Credit loss provision to net charge-offs | 248.0000% | 894 |
| Earnings coverage of net charge-offs (x) | 24.4400% | 1,358 |
| Efficiency ratio | 63.9528% | 3,847 |
| Assets per employee ($millions) | 6.8450% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0281% | 637 |
| Loan loss allowance to noncurrent loans | 16.6756% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 8.8689% | 43 |
| Noncurrent loans to loans | 12.1621% | 23 |
| Net loans and leases to total assets | 48.5908% | 4,780 |
| Net loans and leases to deposits | 52.6815% | 5,000 |
| Net loans and leases to core deposits | 54.3931% | 5,043 |
| Total domestic deposits to total assets | 92.2349% | 84 |
| Equity capital to assets | 7.2305% | 5,727 |
| Core capital (leverage) ratio | 8.1247% | 5,496 |
| Tier 1 risk-based capital ratio | 13.7774% | 3,613 |
| Total risk-based capital ratio | 15.0344% | 3,518 |
| Memoranda: | ||
| Average total assets | $190,752,000 | 3,085 |
| Average earning assets | $175,383,500 | 3,076 |
| Average equity | $13,140,000 | 4,039 |
| Average total loans | $92,108,000 | 3,550 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 3,722 |
| Cost of funding earning assets | 0.4151% | 2,859 |
| Net interest margin | 3.4409% | 3,658 |
| Noninterest income to average assets | 0.5327% | 3,018 |
| Noninterest expense to average assets | 2.7805% | 3,089 |
| Loan and lease loss provision to assets | 0.1307% | 1,906 |
| Net operating income to assets | 0.4784% | 4,718 |
| Return on assets (ROA) | 0.4784% | 4,792 |
| Pretax return on assets | 0.7238% | 4,412 |
| Return on Equity (ROE) | 5.8956% | 4,032 |
| Retained earnings to average equity (ytd only) | 5.8956% | 1,771 |
| Net charge-offs to loans | 0.1288% | 1,955 |
| Credit loss provision to net charge-offs | 182.7586% | 1,538 |
| Earnings coverage of net charge-offs (x) | 11.9483% | 2,502 |
| Efficiency ratio | 76.4925% | 1,917 |
| Assets per employee ($millions) | 7.0260% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9697% | 692 |
| Loan loss allowance to noncurrent loans | 16.2044% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 8.4141% | 47 |
| Noncurrent loans to loans | 12.1551% | 19 |
| Net loans and leases to total assets | 46.1198% | 5,009 |
| Net loans and leases to deposits | 49.6082% | 5,228 |
| Net loans and leases to core deposits | 51.3274% | 5,255 |
| Total domestic deposits to total assets | 92.9680% | 40 |
| Equity capital to assets | 6.5862% | 5,832 |
| Core capital (leverage) ratio | 8.4568% | 5,303 |
| Tier 1 risk-based capital ratio | 13.3491% | 3,858 |
| Total risk-based capital ratio | 14.6061% | 3,764 |
| Memoranda: | ||
| Average total assets | $162,201,600 | 3,374 |
| Average earning assets | $146,241,600 | 3,416 |
| Average equity | $13,162,400 | 4,068 |
| Average total loans | $90,055,400 | 3,577 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0169% | 3,159 |
| Cost of funding earning assets | 0.4544% | 2,516 |
| Net interest margin | 3.5625% | 3,223 |
| Noninterest income to average assets | 0.6720% | 2,302 |
| Noninterest expense to average assets | 2.8599% | 2,787 |
| Loan and lease loss provision to assets | 0.1762% | 1,275 |
| Net operating income to assets | 0.5383% | 4,542 |
| Return on assets (ROA) | 0.5383% | 4,649 |
| Pretax return on assets | 0.8352% | 4,205 |
| Return on Equity (ROE) | 6.2560% | 3,949 |
| Retained earnings to average equity (ytd only) | 6.2560% | 2,031 |
| Net charge-offs to loans | 0.1729% | 1,329 |
| Credit loss provision to net charge-offs | 175.0000% | 1,593 |
| Earnings coverage of net charge-offs (x) | 10.0433% | 2,617 |
| Efficiency ratio | 73.8731% | 2,307 |
| Assets per employee ($millions) | 6.0409% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9414% | 796 |
| Loan loss allowance to noncurrent loans | 15.1444% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 11.1153% | 33 |
| Noncurrent loans to loans | 12.8193% | 20 |
| Net loans and leases to total assets | 58.3352% | 4,064 |
| Net loans and leases to deposits | 64.2324% | 4,471 |
| Net loans and leases to core deposits | 67.3550% | 4,522 |
| Total domestic deposits to total assets | 90.8190% | 232 |
| Equity capital to assets | 8.6596% | 5,427 |
| Core capital (leverage) ratio | 8.4767% | 5,379 |
| Tier 1 risk-based capital ratio | 13.4196% | 3,905 |
| Total risk-based capital ratio | 14.6771% | 3,813 |
| Memoranda: | ||
| Average total assets | $153,569,750 | 3,481 |
| Average earning assets | $137,913,250 | 3,544 |
| Average equity | $13,213,750 | 4,094 |
| Average total loans | $89,430,750 | 3,608 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1203% | 2,783 |
| Cost of funding earning assets | 0.4734% | 2,332 |
| Net interest margin | 3.6469% | 2,907 |
| Noninterest income to average assets | 0.5131% | 3,106 |
| Noninterest expense to average assets | 2.8763% | 2,757 |
| Loan and lease loss provision to assets | 0.2008% | 1,065 |
| Net operating income to assets | 0.4894% | 4,721 |
| Return on assets (ROA) | 0.4894% | 4,821 |
| Pretax return on assets | 0.7112% | 4,579 |
| Return on Equity (ROE) | 5.6952% | 4,197 |
| Retained earnings to average equity (ytd only) | 5.6952% | 2,305 |
| Net charge-offs to loans | 0.0340% | 2,770 |
| Credit loss provision to net charge-offs | 1,020.0000% | 367 |
| Earnings coverage of net charge-offs (x) | 46.3333% | 1,049 |
| Efficiency ratio | 75.9266% | 2,091 |
| Assets per employee ($millions) | 6.3654% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0968% | 622 |
| Loan loss allowance to noncurrent loans | 19.0248% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 10.3490% | 41 |
| Noncurrent loans to loans | 11.0213% | 28 |
| Net loans and leases to total assets | 54.7211% | 4,439 |
| Net loans and leases to deposits | 59.9992% | 4,799 |
| Net loans and leases to core deposits | 62.5294% | 4,852 |
| Total domestic deposits to total assets | 91.2031% | 155 |
| Equity capital to assets | 8.4393% | 5,630 |
| Core capital (leverage) ratio | 8.3698% | 5,471 |
| Tier 1 risk-based capital ratio | 13.8092% | 3,717 |
| Total risk-based capital ratio | 15.0697% | 3,633 |
| Memoranda: | ||
| Average total assets | $152,419,330 | 3,520 |
| Average earning assets | $136,882,000 | 3,582 |
| Average equity | $13,098,670 | 4,142 |
| Average total loans | $88,109,330 | 3,649 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2867% | 2,177 |
| Cost of funding earning assets | 0.4697% | 2,370 |
| Net interest margin | 3.8170% | 2,230 |
| Noninterest income to average assets | 0.9200% | 1,267 |
| Noninterest expense to average assets | 2.6340% | 3,645 |
| Loan and lease loss provision to assets | 0.0027% | 3,636 |
| Net operating income to assets | 1.1588% | 1,679 |
| Return on assets (ROA) | 1.1588% | 1,796 |
| Pretax return on assets | 1.7274% | 997 |
| Return on Equity (ROE) | 13.3205% | 965 |
| Retained earnings to average equity (ytd only) | 13.3205% | 367 |
| Net charge-offs to loans | 0.0684% | 1,799 |
| Credit loss provision to net charge-offs | 6.6667% | 2,384 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 969 |
| Efficiency ratio | 60.3565% | 4,697 |
| Assets per employee ($millions) | 6.2018% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9557% | 888 |
| Loan loss allowance to noncurrent loans | 23.3379% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 9.1677% | 58 |
| Noncurrent loans to loans | 8.3801% | 63 |
| Net loans and leases to total assets | 55.3875% | 4,315 |
| Net loans and leases to deposits | 60.9739% | 4,649 |
| Net loans and leases to core deposits | 63.7466% | 4,706 |
| Total domestic deposits to total assets | 90.8381% | 315 |
| Equity capital to assets | 8.5963% | 5,495 |
| Core capital (leverage) ratio | 8.9554% | 4,915 |
| Tier 1 risk-based capital ratio | 14.4595% | 3,414 |
| Total risk-based capital ratio | 15.7173% | 3,348 |
| Memoranda: | ||
| Average total assets | $149,124,500 | 3,595 |
| Average earning assets | $134,556,500 | 3,641 |
| Average equity | $12,972,500 | 4,169 |
| Average total loans | $87,691,000 | 3,658 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9502% | 3,527 |
| Cost of funding earning assets | 0.5129% | 2,045 |
| Net interest margin | 3.4373% | 3,763 |
| Noninterest income to average assets | 0.5660% | 2,923 |
| Noninterest expense to average assets | 2.8792% | 2,932 |
| Loan and lease loss provision to assets | 0.6137% | 168 |
| Net operating income to assets | 0.1224% | 5,723 |
| Return on assets (ROA) | 0.1268% | 5,766 |
| Pretax return on assets | 0.1723% | 5,720 |
| Return on Equity (ROE) | 1.3378% | 5,713 |
| Retained earnings to average equity (ytd only) | 1.3378% | 4,962 |
| Net charge-offs to loans | 0.5907% | 410 |
| Credit loss provision to net charge-offs | 176.9892% | 1,533 |
| Earnings coverage of net charge-offs (x) | 2.2495% | 3,942 |
| Efficiency ratio | 78.6835% | 1,862 |
| Assets per employee ($millions) | 5.7282% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9671% | 846 |
| Loan loss allowance to noncurrent loans | 18.2115% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 10.2769% | 54 |
| Noncurrent loans to loans | 10.8014% | 33 |
| Net loans and leases to total assets | 60.1006% | 3,823 |
| Net loans and leases to deposits | 66.2115% | 4,299 |
| Net loans and leases to core deposits | 68.6203% | 4,405 |
| Total domestic deposits to total assets | 90.7706% | 348 |
| Equity capital to assets | 8.8104% | 5,298 |
| Core capital (leverage) ratio | 9.0100% | 4,872 |
| Tier 1 risk-based capital ratio | 14.2107% | 3,603 |
| Total risk-based capital ratio | 15.4689% | 3,511 |
| Memoranda: | ||
| Average total assets | $134,101,200 | 3,814 |
| Average earning assets | $120,677,200 | 3,870 |
| Average equity | $12,707,600 | 4,186 |
| Average total loans | $78,726,800 | 3,871 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 3,800 |
| Cost of funding earning assets | 0.5206% | 2,038 |
| Net interest margin | 3.3631% | 4,096 |
| Noninterest income to average assets | 0.6125% | 2,677 |
| Noninterest expense to average assets | 3.0299% | 2,432 |
| Loan and lease loss provision to assets | 0.0566% | 3,057 |
| Net operating income to assets | 0.3705% | 5,259 |
| Return on assets (ROA) | 0.3760% | 5,326 |
| Pretax return on assets | 0.5569% | 5,079 |
| Return on Equity (ROE) | 3.8641% | 5,080 |
| Retained earnings to average equity (ytd only) | 3.8641% | 3,715 |
| Net charge-offs to loans | 0.4043% | 635 |
| Credit loss provision to net charge-offs | 24.1379% | 3,329 |
| Earnings coverage of net charge-offs (x) | 2.5819% | 3,644 |
| Efficiency ratio | 83.3472% | 1,232 |
| Assets per employee ($millions) | 5.7965% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 2,144 |
| Loan loss allowance to noncurrent loans | 12.1874% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 11.3712% | 44 |
| Noncurrent loans to loans | 12.3354% | 27 |
| Net loans and leases to total assets | 56.2326% | 4,328 |
| Net loans and leases to deposits | 62.4819% | 4,681 |
| Net loans and leases to core deposits | 64.8399% | 4,771 |
| Total domestic deposits to total assets | 89.9982% | 568 |
| Equity capital to assets | 9.3664% | 4,921 |
| Core capital (leverage) ratio | 9.2326% | 4,689 |
| Tier 1 risk-based capital ratio | 15.6213% | 2,988 |
| Total risk-based capital ratio | 16.8731% | 2,918 |
| Memoranda: | ||
| Average total assets | $131,925,250 | 3,896 |
| Average earning assets | $118,576,500 | 3,945 |
| Average equity | $12,835,750 | 4,210 |
| Average total loans | $76,502,750 | 3,965 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9167% | 3,625 |
| Cost of funding earning assets | 0.5086% | 2,176 |
| Net interest margin | 3.4081% | 3,885 |
| Noninterest income to average assets | 0.6145% | 2,659 |
| Noninterest expense to average assets | 3.1344% | 2,154 |
| Loan and lease loss provision to assets | 0.0355% | 3,416 |
| Net operating income to assets | 0.3680% | 5,238 |
| Return on assets (ROA) | 0.3768% | 5,327 |
| Pretax return on assets | 0.5296% | 5,149 |
| Return on Equity (ROE) | 3.8212% | 5,088 |
| Retained earnings to average equity (ytd only) | 3.8212% | 3,573 |
| Net charge-offs to loans | -0.0026% | 4,628 |
| Credit loss provision to net charge-offs | -2,300.0000% | 5,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0084% | 1,151 |
| Assets per employee ($millions) | 5.9493% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8304% | 1,312 |
| Loan loss allowance to noncurrent loans | 15.5608% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 11.0578% | 51 |
| Noncurrent loans to loans | 11.7632% | 34 |
| Net loans and leases to total assets | 54.5979% | 4,490 |
| Net loans and leases to deposits | 60.5554% | 4,806 |
| Net loans and leases to core deposits | 62.5154% | 4,900 |
| Total domestic deposits to total assets | 90.1619% | 591 |
| Equity capital to assets | 9.3236% | 4,870 |
| Core capital (leverage) ratio | 9.4400% | 4,359 |
| Tier 1 risk-based capital ratio | 16.9650% | 2,416 |
| Total risk-based capital ratio | 18.2217% | 2,369 |
| Memoranda: | ||
| Average total assets | $129,528,670 | 3,968 |
| Average earning assets | $116,782,000 | 4,017 |
| Average equity | $12,771,000 | 4,244 |
| Average total loans | $75,529,670 | 4,014 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9753% | 594 |
| Cost of funding earning assets | 0.5028% | 2,259 |
| Net interest margin | 4.4725% | 633 |
| Noninterest income to average assets | 0.5720% | 2,821 |
| Noninterest expense to average assets | 3.1968% | 1,994 |
| Loan and lease loss provision to assets | 0.0318% | 3,253 |
| Net operating income to assets | 0.8771% | 2,858 |
| Return on assets (ROA) | 0.8771% | 2,986 |
| Pretax return on assets | 1.4141% | 1,840 |
| Return on Equity (ROE) | 8.6402% | 2,627 |
| Retained earnings to average equity (ytd only) | 8.6402% | 1,326 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8569% | 3,689 |
| Assets per employee ($millions) | 5.8200% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8331% | 1,426 |
| Loan loss allowance to noncurrent loans | 30.0632% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 8.0592% | 98 |
| Noncurrent loans to loans | 6.0976% | 177 |
| Net loans and leases to total assets | 55.1678% | 4,297 |
| Net loans and leases to deposits | 61.4562% | 4,627 |
| Net loans and leases to core deposits | 63.4964% | 4,741 |
| Total domestic deposits to total assets | 89.7676% | 861 |
| Equity capital to assets | 9.6602% | 4,567 |
| Core capital (leverage) ratio | 9.8187% | 3,863 |
| Tier 1 risk-based capital ratio | 17.6723% | 2,243 |
| Total risk-based capital ratio | 18.9290% | 2,208 |
| Memoranda: | ||
| Average total assets | $125,875,500 | 4,067 |
| Average earning assets | $114,566,500 | 4,087 |
| Average equity | $12,777,500 | 4,276 |
| Average total loans | $75,243,500 | 4,044 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8903% | 4,153 |
| Cost of funding earning assets | 0.5205% | 2,484 |
| Net interest margin | 3.3698% | 4,329 |
| Noninterest income to average assets | 0.6382% | 2,629 |
| Noninterest expense to average assets | 2.8717% | 3,233 |
| Loan and lease loss provision to assets | 0.1800% | 1,427 |
| Net operating income to assets | 0.6824% | 3,981 |
| Return on assets (ROA) | 0.6824% | 4,097 |
| Pretax return on assets | 0.6824% | 4,685 |
| Return on Equity (ROE) | 6.9959% | 3,638 |
| Retained earnings to average equity (ytd only) | 6.9959% | 1,414 |
| Net charge-offs to loans | 0.1350% | 2,670 |
| Credit loss provision to net charge-offs | 226.2626% | 1,111 |
| Earnings coverage of net charge-offs (x) | 10.8384% | 2,578 |
| Efficiency ratio | 76.9049% | 2,367 |
| Assets per employee ($millions) | 5.6139% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8203% | 1,489 |
| Loan loss allowance to noncurrent loans | 21.8885% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 10.5317% | 78 |
| Noncurrent loans to loans | 8.3164% | 102 |
| Net loans and leases to total assets | 62.6769% | 3,412 |
| Net loans and leases to deposits | 70.6233% | 3,827 |
| Net loans and leases to core deposits | 72.9629% | 4,030 |
| Total domestic deposits to total assets | 88.7482% | 1,391 |
| Equity capital to assets | 10.7081% | 3,224 |
| Core capital (leverage) ratio | 10.6670% | 2,756 |
| Tier 1 risk-based capital ratio | 17.7697% | 2,209 |
| Total risk-based capital ratio | 19.0257% | 2,174 |
| Memoranda: | ||
| Average total assets | $124,421,200 | 4,093 |
| Average earning assets | $114,309,600 | 4,087 |
| Average equity | $12,135,600 | 4,331 |
| Average total loans | $73,327,800 | 4,082 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7823% | 4,609 |
| Cost of funding earning assets | 0.5329% | 2,438 |
| Net interest margin | 3.2493% | 4,791 |
| Noninterest income to average assets | 0.6399% | 2,626 |
| Noninterest expense to average assets | 2.7638% | 3,594 |
| Loan and lease loss provision to assets | 0.2063% | 1,137 |
| Net operating income to assets | 0.6621% | 4,148 |
| Return on assets (ROA) | 0.6621% | 4,252 |
| Pretax return on assets | 0.6621% | 4,830 |
| Return on Equity (ROE) | 6.9476% | 3,732 |
| Retained earnings to average equity (ytd only) | 6.9476% | 1,844 |
| Net charge-offs to loans | 0.0531% | 3,457 |
| Credit loss provision to net charge-offs | 672.4138% | 445 |
| Earnings coverage of net charge-offs (x) | 28.3072% | 1,424 |
| Efficiency ratio | 76.0920% | 2,479 |
| Assets per employee ($millions) | 5.8360% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8663% | 1,539 |
| Loan loss allowance to noncurrent loans | 18.7733% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 10.7651% | 81 |
| Noncurrent loans to loans | 9.9411% | 75 |
| Net loans and leases to total assets | 63.5658% | 3,251 |
| Net loans and leases to deposits | 71.5288% | 3,732 |
| Net loans and leases to core deposits | 74.4553% | 3,903 |
| Total domestic deposits to total assets | 88.8674% | 1,322 |
| Equity capital to assets | 10.6271% | 3,402 |
| Core capital (leverage) ratio | 10.1034% | 3,526 |
| Tier 1 risk-based capital ratio | 17.8753% | 2,244 |
| Total risk-based capital ratio | 19.1339% | 2,207 |
| Memoranda: | ||
| Average total assets | $126,053,500 | 4,085 |
| Average earning assets | $116,082,250 | 4,089 |
| Average equity | $12,013,500 | 4,382 |
| Average total loans | $72,844,500 | 4,124 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3378% | 5,737 |
| Cost of funding earning assets | 0.5359% | 2,480 |
| Net interest margin | 2.8020% | 5,903 |
| Noninterest income to average assets | 0.6844% | 2,358 |
| Noninterest expense to average assets | 2.6973% | 3,876 |
| Loan and lease loss provision to assets | 0.2880% | 696 |
| Net operating income to assets | 0.2818% | 5,628 |
| Return on assets (ROA) | 0.2818% | 5,696 |
| Pretax return on assets | 0.2818% | 5,815 |
| Return on Equity (ROE) | 3.0631% | 5,504 |
| Retained earnings to average equity (ytd only) | 3.0631% | 4,253 |
| Net charge-offs to loans | 0.0028% | 4,294 |
| Credit loss provision to net charge-offs | 18,600.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 368.0000% | 190 |
| Efficiency ratio | 82.5592% | 1,684 |
| Assets per employee ($millions) | 6.5072% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8872% | 1,609 |
| Loan loss allowance to noncurrent loans | 17.1834% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 10.8705% | 85 |
| Noncurrent loans to loans | 10.9829% | 62 |
| Net loans and leases to total assets | 60.1292% | 3,697 |
| Net loans and leases to deposits | 66.8922% | 4,173 |
| Net loans and leases to core deposits | 69.4344% | 4,323 |
| Total domestic deposits to total assets | 89.8898% | 861 |
| Equity capital to assets | 9.6791% | 4,517 |
| Core capital (leverage) ratio | 9.2116% | 4,721 |
| Tier 1 risk-based capital ratio | 17.1943% | 2,540 |
| Total risk-based capital ratio | 18.4530% | 2,496 |
| Memoranda: | ||
| Average total assets | $129,164,670 | 4,049 |
| Average earning assets | $119,059,000 | 4,033 |
| Average equity | $11,883,330 | 4,422 |
| Average total loans | $71,924,330 | 4,164 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1529% | 6,060 |
| Cost of funding earning assets | 0.5441% | 2,472 |
| Net interest margin | 2.6089% | 6,225 |
| Noninterest income to average assets | 0.6701% | 2,343 |
| Noninterest expense to average assets | 2.6772% | 4,008 |
| Loan and lease loss provision to assets | 0.1486% | 1,637 |
| Net operating income to assets | 0.2577% | 5,640 |
| Return on assets (ROA) | 0.2577% | 5,681 |
| Pretax return on assets | 0.2577% | 5,812 |
| Return on Equity (ROE) | 2.8713% | 5,504 |
| Retained earnings to average equity (ytd only) | 2.8713% | 4,374 |
| Net charge-offs to loans | 0.0057% | 3,541 |
| Credit loss provision to net charge-offs | 4,900.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 369 |
| Efficiency ratio | 86.8240% | 1,358 |
| Assets per employee ($millions) | 7.0821% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8382% | 1,931 |
| Loan loss allowance to noncurrent loans | 15.3709% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 10.3062% | 109 |
| Noncurrent loans to loans | 11.9591% | 62 |
| Net loans and leases to total assets | 51.3132% | 4,750 |
| Net loans and leases to deposits | 56.5329% | 5,072 |
| Net loans and leases to core deposits | 58.4748% | 5,167 |
| Total domestic deposits to total assets | 90.7669% | 656 |
| Equity capital to assets | 8.8236% | 5,305 |
| Core capital (leverage) ratio | 9.0820% | 4,891 |
| Tier 1 risk-based capital ratio | 18.5086% | 2,121 |
| Total risk-based capital ratio | 19.7559% | 2,084 |
| Memoranda: | ||
| Average total assets | $131,928,500 | 4,034 |
| Average earning assets | $122,045,000 | 3,997 |
| Average equity | $11,841,500 | 4,436 |
| Average total loans | $70,000,500 | 4,263 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7928% | 4,842 |
| Cost of funding earning assets | 0.6477% | 2,220 |
| Net interest margin | 3.1451% | 5,180 |
| Noninterest income to average assets | 0.6451% | 2,836 |
| Noninterest expense to average assets | 3.1759% | 2,492 |
| Loan and lease loss provision to assets | 0.2894% | 1,180 |
| Net operating income to assets | 0.1274% | 5,981 |
| Return on assets (ROA) | 0.1274% | 6,045 |
| Pretax return on assets | 0.1274% | 6,050 |
| Return on Equity (ROE) | 1.2315% | 6,040 |
| Retained earnings to average equity (ytd only) | 1.2315% | 5,277 |
| Net charge-offs to loans | 0.6200% | 1,060 |
| Credit loss provision to net charge-offs | 70.9328% | 3,282 |
| Earnings coverage of net charge-offs (x) | 1.0217% | 4,733 |
| Efficiency ratio | 88.3990% | 1,173 |
| Assets per employee ($millions) | 6.8051% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7872% | 2,103 |
| Loan loss allowance to noncurrent loans | 16.2533% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 10.1441% | 123 |
| Noncurrent loans to loans | 10.9961% | 90 |
| Net loans and leases to total assets | 52.9138% | 4,734 |
| Net loans and leases to deposits | 58.4447% | 5,081 |
| Net loans and leases to core deposits | 60.9345% | 5,149 |
| Total domestic deposits to total assets | 90.5365% | 789 |
| Equity capital to assets | 9.1340% | 4,885 |
| Core capital (leverage) ratio | 9.6692% | 4,028 |
| Tier 1 risk-based capital ratio | 18.7859% | 1,984 |
| Total risk-based capital ratio | 20.0357% | 1,946 |
| Memoranda: | ||
| Average total assets | $113,008,800 | 4,433 |
| Average earning assets | $105,911,600 | 4,365 |
| Average equity | $11,693,400 | 4,511 |
| Average total loans | $74,349,800 | 4,114 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9860% | 4,182 |
| Cost of funding earning assets | 0.6626% | 2,238 |
| Net interest margin | 3.3234% | 4,555 |
| Noninterest income to average assets | 0.4014% | 4,527 |
| Noninterest expense to average assets | 3.2617% | 2,171 |
| Loan and lease loss provision to assets | 0.3562% | 889 |
| Net operating income to assets | -0.0918% | 6,375 |
| Return on assets (ROA) | -0.0918% | 6,412 |
| Pretax return on assets | -0.0918% | 6,391 |
| Return on Equity (ROE) | -0.8573% | 6,415 |
| Retained earnings to average equity (ytd only) | -0.8573% | 6,114 |
| Net charge-offs to loans | 0.8139% | 719 |
| Credit loss provision to net charge-offs | 63.1236% | 3,226 |
| Earnings coverage of net charge-offs (x) | 0.4685% | 4,709 |
| Efficiency ratio | 92.5026% | 824 |
| Assets per employee ($millions) | 6.0969% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7453% | 2,471 |
| Loan loss allowance to noncurrent loans | 14.7994% | 6,325 |
| Noncurrent assets plus other real estate owned to assets | 12.0854% | 87 |
| Noncurrent loans to loans | 11.7930% | 87 |
| Net loans and leases to total assets | 58.8034% | 3,880 |
| Net loans and leases to deposits | 65.6816% | 4,344 |
| Net loans and leases to core deposits | 68.8446% | 4,447 |
| Total domestic deposits to total assets | 89.5280% | 1,278 |
| Equity capital to assets | 10.0102% | 3,886 |
| Core capital (leverage) ratio | 10.3915% | 3,118 |
| Tier 1 risk-based capital ratio | 18.3532% | 2,195 |
| Total risk-based capital ratio | 19.6007% | 2,159 |
| Memoranda: | ||
| Average total assets | $108,936,750 | 4,558 |
| Average earning assets | $102,421,500 | 4,491 |
| Average equity | $11,664,250 | 4,562 |
| Average total loans | $75,522,000 | 4,101 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0963% | 3,749 |
| Cost of funding earning assets | 0.6659% | 2,350 |
| Net interest margin | 3.4304% | 4,073 |
| Noninterest income to average assets | 0.2888% | 5,386 |
| Noninterest expense to average assets | 3.3460% | 1,951 |
| Loan and lease loss provision to assets | 0.5120% | 523 |
| Net operating income to assets | -0.3226% | 6,565 |
| Return on assets (ROA) | -0.3226% | 6,595 |
| Pretax return on assets | -0.3226% | 6,566 |
| Return on Equity (ROE) | -2.9434% | 6,576 |
| Retained earnings to average equity (ytd only) | -2.9434% | 6,304 |
| Net charge-offs to loans | 1.1858% | 492 |
| Credit loss provision to net charge-offs | 59.3478% | 3,034 |
| Earnings coverage of net charge-offs (x) | 0.2196% | 4,473 |
| Efficiency ratio | 94.6419% | 731 |
| Assets per employee ($millions) | 5.7107% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5899% | 3,190 |
| Loan loss allowance to noncurrent loans | 11.0997% | 6,413 |
| Noncurrent assets plus other real estate owned to assets | 12.0217% | 100 |
| Noncurrent loans to loans | 14.3240% | 58 |
| Net loans and leases to total assets | 67.9975% | 2,231 |
| Net loans and leases to deposits | 76.4219% | 2,818 |
| Net loans and leases to core deposits | 80.2908% | 2,993 |
| Total domestic deposits to total assets | 88.9764% | 1,643 |
| Equity capital to assets | 10.5978% | 3,176 |
| Core capital (leverage) ratio | 10.3077% | 3,093 |
| Tier 1 risk-based capital ratio | 17.9641% | 2,323 |
| Total risk-based capital ratio | 19.2219% | 2,290 |
| Memoranda: | ||
| Average total assets | $106,635,000 | 4,650 |
| Average earning assets | $100,921,330 | 4,557 |
| Average equity | $11,687,000 | 4,593 |
| Average total loans | $77,586,330 | 4,054 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 3,065 |
| Cost of funding earning assets | 0.6563% | 2,599 |
| Net interest margin | 3.6017% | 3,259 |
| Noninterest income to average assets | 0.7417% | 2,365 |
| Noninterest expense to average assets | 3.3642% | 1,917 |
| Loan and lease loss provision to assets | 0.0265% | 4,135 |
| Net operating income to assets | 0.7569% | 3,394 |
| Return on assets (ROA) | 0.7569% | 3,535 |
| Pretax return on assets | 0.7569% | 4,343 |
| Return on Equity (ROE) | 6.7906% | 3,601 |
| Retained earnings to average equity (ytd only) | 6.7906% | 2,257 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1131% | 2,174 |
| Assets per employee ($millions) | 5.7322% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7730% | 2,722 |
| Loan loss allowance to noncurrent loans | 14.1241% | 6,454 |
| Noncurrent assets plus other real estate owned to assets | 11.0613% | 156 |
| Noncurrent loans to loans | 12.5528% | 121 |
| Net loans and leases to total assets | 70.5053% | 1,579 |
| Net loans and leases to deposits | 79.4660% | 2,154 |
| Net loans and leases to core deposits | 83.2408% | 2,428 |
| Total domestic deposits to total assets | 88.7238% | 1,856 |
| Equity capital to assets | 10.9062% | 3,067 |
| Core capital (leverage) ratio | 11.8668% | 1,647 |
| Tier 1 risk-based capital ratio | 18.3526% | 2,244 |
| Total risk-based capital ratio | 19.6128% | 2,204 |
| Memoranda: | ||
| Average total assets | $105,700,500 | 4,728 |
| Average earning assets | $99,951,500 | 4,624 |
| Average equity | $11,781,000 | 4,614 |
| Average total loans | $78,893,500 | 4,037 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4918% | 3,431 |
| Cost of funding earning assets | 0.8443% | 2,332 |
| Net interest margin | 3.6475% | 3,888 |
| Noninterest income to average assets | 0.6930% | 2,756 |
| Noninterest expense to average assets | 3.5033% | 1,808 |
| Loan and lease loss provision to assets | 0.6621% | 804 |
| Net operating income to assets | -0.0113% | 6,184 |
| Return on assets (ROA) | -0.0113% | 6,316 |
| Pretax return on assets | -0.0113% | 6,294 |
| Return on Equity (ROE) | -0.0949% | 6,317 |
| Retained earnings to average equity (ytd only) | -0.0949% | 5,865 |
| Net charge-offs to loans | 1.4097% | 648 |
| Credit loss provision to net charge-offs | 58.7751% | 4,479 |
| Earnings coverage of net charge-offs (x) | 0.5777% | 5,200 |
| Efficiency ratio | 84.3332% | 1,588 |
| Assets per employee ($millions) | 5.6939% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 2,809 |
| Loan loss allowance to noncurrent loans | 13.8135% | 6,510 |
| Noncurrent assets plus other real estate owned to assets | 12.0519% | 142 |
| Noncurrent loans to loans | 12.5394% | 135 |
| Net loans and leases to total assets | 76.3333% | 873 |
| Net loans and leases to deposits | 86.5593% | 1,436 |
| Net loans and leases to core deposits | 91.2339% | 1,705 |
| Total domestic deposits to total assets | 88.1862% | 2,100 |
| Equity capital to assets | 11.4001% | 2,539 |
| Core capital (leverage) ratio | 11.8224% | 1,652 |
| Tier 1 risk-based capital ratio | 17.6243% | 2,407 |
| Total risk-based capital ratio | 18.8854% | 2,367 |
| Memoranda: | ||
| Average total assets | $97,109,000 | 4,911 |
| Average earning assets | $92,146,400 | 4,805 |
| Average equity | $11,586,400 | 4,652 |
| Average total loans | $77,605,400 | 4,104 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4397% | 3,887 |
| Cost of funding earning assets | 0.8739% | 2,368 |
| Net interest margin | 3.5658% | 4,372 |
| Noninterest income to average assets | 0.7115% | 2,650 |
| Noninterest expense to average assets | 3.6506% | 1,455 |
| Loan and lease loss provision to assets | 0.7852% | 610 |
| Net operating income to assets | -0.3328% | 6,600 |
| Return on assets (ROA) | -0.3328% | 6,653 |
| Pretax return on assets | -0.3328% | 6,620 |
| Return on Equity (ROE) | -2.7561% | 6,611 |
| Retained earnings to average equity (ytd only) | -2.7561% | 6,462 |
| Net charge-offs to loans | 1.7431% | 463 |
| Credit loss provision to net charge-offs | 55.9524% | 4,259 |
| Earnings coverage of net charge-offs (x) | 0.3224% | 5,164 |
| Efficiency ratio | 88.9718% | 1,117 |
| Assets per employee ($millions) | 5.9352% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7880% | 2,829 |
| Loan loss allowance to noncurrent loans | 13.9268% | 6,615 |
| Noncurrent assets plus other real estate owned to assets | 12.2112% | 158 |
| Noncurrent loans to loans | 12.8386% | 144 |
| Net loans and leases to total assets | 75.4517% | 1,053 |
| Net loans and leases to deposits | 85.5864% | 1,653 |
| Net loans and leases to core deposits | 90.0691% | 1,972 |
| Total domestic deposits to total assets | 88.1585% | 1,949 |
| Equity capital to assets | 11.3628% | 2,887 |
| Core capital (leverage) ratio | 11.7309% | 1,822 |
| Tier 1 risk-based capital ratio | 17.8878% | 2,393 |
| Total risk-based capital ratio | 19.1482% | 2,351 |
| Memoranda: | ||
| Average total assets | $95,763,750 | 4,992 |
| Average earning assets | $91,085,500 | 4,886 |
| Average equity | $11,562,000 | 4,702 |
| Average total loans | $77,103,500 | 4,158 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3921% | 4,213 |
| Cost of funding earning assets | 0.9225% | 2,242 |
| Net interest margin | 3.4696% | 4,801 |
| Noninterest income to average assets | 0.7570% | 2,385 |
| Noninterest expense to average assets | 3.7447% | 1,303 |
| Loan and lease loss provision to assets | 1.1908% | 349 |
| Net operating income to assets | -0.8676% | 6,875 |
| Return on assets (ROA) | -0.8676% | 6,902 |
| Pretax return on assets | -0.8676% | 6,871 |
| Return on Equity (ROE) | -7.0379% | 6,831 |
| Retained earnings to average equity (ytd only) | -7.0379% | 6,720 |
| Net charge-offs to loans | 2.6271% | 259 |
| Credit loss provision to net charge-offs | 55.3907% | 3,916 |
| Earnings coverage of net charge-offs (x) | 0.1503% | 5,000 |
| Efficiency ratio | 92.0544% | 924 |
| Assets per employee ($millions) | 5.3859% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7657% | 2,968 |
| Loan loss allowance to noncurrent loans | 12.4594% | 6,678 |
| Noncurrent assets plus other real estate owned to assets | 13.2670% | 137 |
| Noncurrent loans to loans | 14.1718% | 116 |
| Net loans and leases to total assets | 79.1928% | 596 |
| Net loans and leases to deposits | 90.0460% | 1,146 |
| Net loans and leases to core deposits | 95.7187% | 1,450 |
| Total domestic deposits to total assets | 87.9470% | 2,178 |
| Equity capital to assets | 11.6538% | 2,450 |
| Core capital (leverage) ratio | 11.4752% | 1,921 |
| Tier 1 risk-based capital ratio | 17.8306% | 2,350 |
| Total risk-based capital ratio | 19.0915% | 2,313 |
| Memoranda: | ||
| Average total assets | $94,052,000 | 5,067 |
| Average earning assets | $89,751,670 | 4,944 |
| Average equity | $11,594,330 | 4,694 |
| Average total loans | $76,966,000 | 4,188 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3485% | 4,526 |
| Cost of funding earning assets | 0.9628% | 2,212 |
| Net interest margin | 3.3857% | 5,177 |
| Noninterest income to average assets | 0.7689% | 2,306 |
| Noninterest expense to average assets | 3.6672% | 1,432 |
| Loan and lease loss provision to assets | 0.1296% | 3,726 |
| Net operating income to assets | 0.2073% | 5,963 |
| Return on assets (ROA) | 0.2073% | 6,106 |
| Pretax return on assets | 0.2073% | 6,185 |
| Return on Equity (ROE) | 1.6351% | 6,182 |
| Retained earnings to average equity (ytd only) | 1.6351% | 5,420 |
| Net charge-offs to loans | 1.6446% | 591 |
| Credit loss provision to net charge-offs | 9.5541% | 3,910 |
| Earnings coverage of net charge-offs (x) | 0.2484% | 4,242 |
| Efficiency ratio | 91.5858% | 971 |
| Assets per employee ($millions) | 5.3708% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0279% | 2,275 |
| Loan loss allowance to noncurrent loans | 12.7853% | 6,723 |
| Noncurrent assets plus other real estate owned to assets | 12.9324% | 169 |
| Noncurrent loans to loans | 15.8615% | 111 |
| Net loans and leases to total assets | 73.1915% | 1,186 |
| Net loans and leases to deposits | 83.0940% | 1,782 |
| Net loans and leases to core deposits | 87.0988% | 2,166 |
| Total domestic deposits to total assets | 88.0828% | 2,260 |
| Equity capital to assets | 11.5301% | 2,413 |
| Core capital (leverage) ratio | 12.9186% | 1,152 |
| Tier 1 risk-based capital ratio | 19.3561% | 1,882 |
| Total risk-based capital ratio | 20.6284% | 1,841 |
| Memoranda: | ||
| Average total assets | $92,604,500 | 5,137 |
| Average earning assets | $88,489,500 | 5,009 |
| Average equity | $11,742,500 | 4,665 |
| Average total loans | $76,371,500 | 4,231 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0277% | 2,767 |
| Cost of funding earning assets | 1.1798% | 2,164 |
| Net interest margin | 3.8478% | 3,580 |
| Noninterest income to average assets | 0.7433% | 2,372 |
| Noninterest expense to average assets | 3.9654% | 1,091 |
| Loan and lease loss provision to assets | 0.5951% | 1,742 |
| Net operating income to assets | -0.1652% | 6,218 |
| Return on assets (ROA) | -0.1652% | 6,295 |
| Pretax return on assets | -0.1652% | 6,255 |
| Return on Equity (ROE) | -1.1494% | 6,259 |
| Retained earnings to average equity (ytd only) | -1.1494% | 6,032 |
| Net charge-offs to loans | 0.2360% | 4,304 |
| Credit loss provision to net charge-offs | 284.8837% | 833 |
| Earnings coverage of net charge-offs (x) | 2.0581% | 4,238 |
| Efficiency ratio | 90.2183% | 1,169 |
| Assets per employee ($millions) | 4.3770% | 3,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3919% | 1,472 |
| Loan loss allowance to noncurrent loans | 16.9022% | 6,702 |
| Noncurrent assets plus other real estate owned to assets | 13.3232% | 170 |
| Noncurrent loans to loans | 14.1515% | 150 |
| Net loans and leases to total assets | 89.7971% | 44 |
| Net loans and leases to deposits | 105.0427% | 277 |
| Net loans and leases to core deposits | 109.1337% | 648 |
| Total domestic deposits to total assets | 85.4863% | 3,604 |
| Equity capital to assets | 14.0916% | 1,031 |
| Core capital (leverage) ratio | 14.1857% | 779 |
| Tier 1 risk-based capital ratio | 19.6155% | 1,726 |
| Total risk-based capital ratio | 20.4994% | 1,799 |
| Memoranda: | ||
| Average total assets | $82,336,600 | 5,389 |
| Average earning assets | $78,147,600 | 5,289 |
| Average equity | $11,832,000 | 4,587 |
| Average total loans | $72,882,000 | 4,384 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0382% | 2,899 |
| Cost of funding earning assets | 1.2489% | 2,002 |
| Net interest margin | 3.7894% | 3,928 |
| Noninterest income to average assets | 0.7646% | 2,233 |
| Noninterest expense to average assets | 3.9903% | 1,014 |
| Loan and lease loss provision to assets | 0.4594% | 2,164 |
| Net operating income to assets | -0.0942% | 6,279 |
| Return on assets (ROA) | -0.0942% | 6,364 |
| Pretax return on assets | -0.0942% | 6,330 |
| Return on Equity (ROE) | -0.6520% | 6,339 |
| Retained earnings to average equity (ytd only) | -0.6520% | 6,096 |
| Net charge-offs to loans | 0.3131% | 3,534 |
| Credit loss provision to net charge-offs | 167.4556% | 1,807 |
| Earnings coverage of net charge-offs (x) | 1.3313% | 4,619 |
| Efficiency ratio | 91.6139% | 1,057 |
| Assets per employee ($millions) | 4.3780% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2533% | 1,767 |
| Loan loss allowance to noncurrent loans | 15.4431% | 6,810 |
| Noncurrent assets plus other real estate owned to assets | 13.6820% | 169 |
| Noncurrent loans to loans | 14.5912% | 149 |
| Net loans and leases to total assets | 89.5056% | 48 |
| Net loans and leases to deposits | 105.9164% | 253 |
| Net loans and leases to core deposits | 108.2042% | 761 |
| Total domestic deposits to total assets | 84.5059% | 4,004 |
| Equity capital to assets | 14.9840% | 854 |
| Core capital (leverage) ratio | 14.0521% | 889 |
| Tier 1 risk-based capital ratio | 20.7621% | 1,508 |
| Total risk-based capital ratio | 22.0311% | 1,476 |
| Memoranda: | ||
| Average total assets | $82,130,000 | 5,435 |
| Average earning assets | $77,829,500 | 5,335 |
| Average equity | $11,860,250 | 4,597 |
| Average total loans | $71,975,500 | 4,460 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9657% | 3,329 |
| Cost of funding earning assets | 1.1736% | 2,754 |
| Net interest margin | 3.7921% | 3,818 |
| Noninterest income to average assets | 0.8049% | 1,994 |
| Noninterest expense to average assets | 4.0029% | 1,051 |
| Loan and lease loss provision to assets | 0.4445% | 2,215 |
| Net operating income to assets | -0.0481% | 6,296 |
| Return on assets (ROA) | -0.0481% | 6,354 |
| Pretax return on assets | -0.0481% | 6,316 |
| Return on Equity (ROE) | -0.3368% | 6,339 |
| Retained earnings to average equity (ytd only) | -0.3368% | 5,919 |
| Net charge-offs to loans | 0.0167% | 5,607 |
| Credit loss provision to net charge-offs | 3,083.3333% | 103 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 988 |
| Efficiency ratio | 90.9885% | 1,164 |
| Assets per employee ($millions) | 4.1352% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3673% | 1,642 |
| Loan loss allowance to noncurrent loans | 16.0558% | 6,835 |
| Noncurrent assets plus other real estate owned to assets | 14.2041% | 170 |
| Noncurrent loans to loans | 14.7443% | 144 |
| Net loans and leases to total assets | 88.7627% | 65 |
| Net loans and leases to deposits | 105.3220% | 284 |
| Net loans and leases to core deposits | 110.8251% | 697 |
| Total domestic deposits to total assets | 84.2775% | 4,226 |
| Equity capital to assets | 15.0912% | 800 |
| Core capital (leverage) ratio | 13.4067% | 1,022 |
| Tier 1 risk-based capital ratio | 20.9757% | 1,423 |
| Total risk-based capital ratio | 22.2466% | 1,399 |
| Memoranda: | ||
| Average total assets | $83,238,670 | 5,452 |
| Average earning assets | $78,901,000 | 5,348 |
| Average equity | $11,877,670 | 4,587 |
| Average total loans | $71,914,000 | 4,503 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8977% | 3,605 |
| Cost of funding earning assets | 1.0933% | 3,569 |
| Net interest margin | 3.8043% | 3,595 |
| Noninterest income to average assets | 0.8040% | 2,022 |
| Noninterest expense to average assets | 3.9218% | 1,148 |
| Loan and lease loss provision to assets | 0.4067% | 2,155 |
| Net operating income to assets | 0.0701% | 6,175 |
| Return on assets (ROA) | 0.0701% | 6,227 |
| Pretax return on assets | 0.0701% | 6,238 |
| Return on Equity (ROE) | 0.5047% | 6,262 |
| Retained earnings to average equity (ytd only) | 0.5047% | 5,624 |
| Net charge-offs to loans | 0.0166% | 4,847 |
| Credit loss provision to net charge-offs | 2,900.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 761 |
| Efficiency ratio | 89.1605% | 1,403 |
| Assets per employee ($millions) | 4.6097% | 2,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2300% | 1,895 |
| Loan loss allowance to noncurrent loans | 15.1443% | 6,916 |
| Noncurrent assets plus other real estate owned to assets | 12.7419% | 225 |
| Noncurrent loans to loans | 14.7247% | 163 |
| Net loans and leases to total assets | 79.8436% | 526 |
| Net loans and leases to deposits | 92.9242% | 926 |
| Net loans and leases to core deposits | 108.7845% | 797 |
| Total domestic deposits to total assets | 85.9234% | 3,565 |
| Equity capital to assets | 13.5788% | 1,155 |
| Core capital (leverage) ratio | 14.3517% | 768 |
| Tier 1 risk-based capital ratio | 20.8173% | 1,428 |
| Total risk-based capital ratio | 22.0872% | 1,401 |
| Memoranda: | ||
| Average total assets | $85,573,500 | 5,421 |
| Average earning assets | $80,855,000 | 5,332 |
| Average equity | $11,888,000 | 4,579 |
| Average total loans | $72,155,500 | 4,541 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9881% | 4,618 |
| Cost of funding earning assets | 1.1297% | 4,968 |
| Net interest margin | 3.8583% | 3,697 |
| Noninterest income to average assets | 0.5314% | 3,943 |
| Noninterest expense to average assets | 3.4666% | 2,258 |
| Loan and lease loss provision to assets | 0.7989% | 2,037 |
| Net operating income to assets | -0.0678% | 5,950 |
| Return on assets (ROA) | -0.0678% | 6,026 |
| Pretax return on assets | -0.0678% | 5,969 |
| Return on Equity (ROE) | -0.4615% | 6,013 |
| Retained earnings to average equity (ytd only) | -0.4615% | 5,701 |
| Net charge-offs to loans | 0.6432% | 3,088 |
| Credit loss provision to net charge-offs | 144.5161% | 2,571 |
| Earnings coverage of net charge-offs (x) | 1.3226% | 4,785 |
| Efficiency ratio | 82.5828% | 2,094 |
| Assets per employee ($millions) | 4.3980% | 3,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0774% | 2,116 |
| Loan loss allowance to noncurrent loans | 13.5460% | 7,025 |
| Noncurrent assets plus other real estate owned to assets | 13.3577% | 215 |
| Noncurrent loans to loans | 15.3356% | 153 |
| Net loans and leases to total assets | 85.2936% | 219 |
| Net loans and leases to deposits | 105.0527% | 356 |
| Net loans and leases to core deposits | 125.3152% | 401 |
| Total domestic deposits to total assets | 81.1912% | 5,455 |
| Equity capital to assets | 14.2206% | 974 |
| Core capital (leverage) ratio | 14.4379% | 757 |
| Tier 1 risk-based capital ratio | 20.5209% | 1,399 |
| Total risk-based capital ratio | 21.7864% | 1,380 |
| Memoranda: | ||
| Average total assets | $84,116,000 | 5,465 |
| Average earning assets | $79,931,000 | 5,349 |
| Average equity | $12,349,800 | 4,515 |
| Average total loans | $72,299,800 | 4,599 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0590% | 4,546 |
| Cost of funding earning assets | 1.1194% | 5,321 |
| Net interest margin | 3.9396% | 3,361 |
| Noninterest income to average assets | 0.4985% | 4,203 |
| Noninterest expense to average assets | 3.3612% | 2,396 |
| Loan and lease loss provision to assets | 0.3102% | 4,098 |
| Net operating income to assets | 0.5697% | 4,004 |
| Return on assets (ROA) | 0.5697% | 4,174 |
| Pretax return on assets | 0.5697% | 4,691 |
| Return on Equity (ROE) | 3.8502% | 4,848 |
| Retained earnings to average equity (ytd only) | 3.8502% | 3,753 |
| Net charge-offs to loans | 0.8497% | 2,323 |
| Credit loss provision to net charge-offs | 42.6087% | 5,984 |
| Earnings coverage of net charge-offs (x) | 1.2087% | 4,851 |
| Efficiency ratio | 79.2537% | 2,453 |
| Assets per employee ($millions) | 4.2743% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4689% | 4,112 |
| Loan loss allowance to noncurrent loans | 11.5308% | 7,155 |
| Noncurrent assets plus other real estate owned to assets | 11.1166% | 322 |
| Noncurrent loans to loans | 12.7394% | 244 |
| Net loans and leases to total assets | 85.9799% | 202 |
| Net loans and leases to deposits | 105.6034% | 378 |
| Net loans and leases to core deposits | 128.9826% | 396 |
| Total domestic deposits to total assets | 81.4178% | 5,235 |
| Equity capital to assets | 15.1603% | 854 |
| Core capital (leverage) ratio | 15.0269% | 712 |
| Tier 1 risk-based capital ratio | 22.0857% | 1,195 |
| Total risk-based capital ratio | 23.3361% | 1,167 |
| Memoranda: | ||
| Average total assets | $84,254,500 | 5,533 |
| Average earning assets | $80,040,750 | 5,406 |
| Average equity | $12,466,500 | 4,559 |
| Average total loans | $72,178,500 | 4,677 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0646% | 4,643 |
| Cost of funding earning assets | 1.0999% | 5,670 |
| Net interest margin | 3.9647% | 3,186 |
| Noninterest income to average assets | 0.4621% | 4,421 |
| Noninterest expense to average assets | 3.2626% | 2,684 |
| Loan and lease loss provision to assets | 0.3424% | 3,681 |
| Net operating income to assets | 0.6192% | 3,787 |
| Return on assets (ROA) | 0.6192% | 3,922 |
| Pretax return on assets | 0.6192% | 4,512 |
| Return on Equity (ROE) | 4.2179% | 4,677 |
| Retained earnings to average equity (ytd only) | 4.2179% | 3,388 |
| Net charge-offs to loans | 0.0055% | 6,295 |
| Credit loss provision to net charge-offs | 7,300.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 165 |
| Efficiency ratio | 77.2349% | 2,851 |
| Assets per employee ($millions) | 4.8078% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9561% | 2,287 |
| Loan loss allowance to noncurrent loans | 18.4633% | 7,015 |
| Noncurrent assets plus other real estate owned to assets | 9.0686% | 489 |
| Noncurrent loans to loans | 10.5947% | 400 |
| Net loans and leases to total assets | 83.9219% | 362 |
| Net loans and leases to deposits | 103.0141% | 536 |
| Net loans and leases to core deposits | 135.8384% | 332 |
| Total domestic deposits to total assets | 81.4664% | 5,211 |
| Equity capital to assets | 14.1507% | 1,119 |
| Core capital (leverage) ratio | 14.0712% | 912 |
| Tier 1 risk-based capital ratio | 20.7808% | 1,377 |
| Total risk-based capital ratio | 22.0422% | 1,348 |
| Memoranda: | ||
| Average total assets | $85,268,670 | 5,523 |
| Average earning assets | $80,914,330 | 5,404 |
| Average equity | $12,518,000 | 4,543 |
| Average total loans | $72,615,670 | 4,689 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0409% | 4,829 |
| Cost of funding earning assets | 1.0933% | 5,943 |
| Net interest margin | 3.9476% | 3,114 |
| Noninterest income to average assets | 0.4206% | 4,730 |
| Noninterest expense to average assets | 3.2233% | 2,778 |
| Loan and lease loss provision to assets | 0.3923% | 3,020 |
| Net operating income to assets | 0.5766% | 3,998 |
| Return on assets (ROA) | 0.5766% | 4,140 |
| Pretax return on assets | 0.5766% | 4,695 |
| Return on Equity (ROE) | 3.8565% | 4,956 |
| Retained earnings to average equity (ytd only) | 3.8565% | 3,825 |
| Net charge-offs to loans | 0.0056% | 5,537 |
| Credit loss provision to net charge-offs | 8,300.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 166 |
| Efficiency ratio | 76.8884% | 3,076 |
| Assets per employee ($millions) | 5.0066% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9242% | 2,376 |
| Loan loss allowance to noncurrent loans | 21.6753% | 6,927 |
| Noncurrent assets plus other real estate owned to assets | 7.5182% | 678 |
| Noncurrent loans to loans | 8.8774% | 556 |
| Net loans and leases to total assets | 83.0602% | 467 |
| Net loans and leases to deposits | 97.9426% | 913 |
| Net loans and leases to core deposits | 149.9046% | 243 |
| Total domestic deposits to total assets | 84.8049% | 3,757 |
| Equity capital to assets | 14.9472% | 893 |
| Core capital (leverage) ratio | 15.3862% | 670 |
| Tier 1 risk-based capital ratio | 21.9132% | 1,211 |
| Total risk-based capital ratio | 23.1735% | 1,197 |
| Memoranda: | ||
| Average total assets | $84,633,000 | 5,609 |
| Average earning assets | $80,858,500 | 5,475 |
| Average equity | $12,654,000 | 4,552 |
| Average total loans | $71,886,000 | 4,793 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8110% | 2,611 |
| Cost of funding earning assets | 1.3047% | 6,290 |
| Net interest margin | 4.5063% | 1,168 |
| Noninterest income to average assets | 0.2051% | 6,643 |
| Noninterest expense to average assets | 3.2505% | 3,192 |
| Loan and lease loss provision to assets | 0.6672% | 3,144 |
| Net operating income to assets | 0.5956% | 3,346 |
| Return on assets (ROA) | 0.5956% | 3,429 |
| Pretax return on assets | 0.5956% | 3,911 |
| Return on Equity (ROE) | 3.4124% | 4,326 |
| Retained earnings to average equity (ytd only) | 3.4124% | 2,780 |
| Net charge-offs to loans | 0.0016% | 7,233 |
| Credit loss provision to net charge-offs | 47,500.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 899.0000% | 25 |
| Efficiency ratio | 72.0199% | 4,259 |
| Assets per employee ($millions) | 5.2596% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8175% | 2,491 |
| Loan loss allowance to noncurrent loans | 27.7707% | 6,620 |
| Noncurrent assets plus other real estate owned to assets | 5.5756% | 1,050 |
| Noncurrent loans to loans | 6.5448% | 912 |
| Net loans and leases to total assets | 83.6417% | 473 |
| Net loans and leases to deposits | 106.4325% | 528 |
| Net loans and leases to core deposits | 110.7933% | 2,814 |
| Total domestic deposits to total assets | 78.5866% | 6,096 |
| Equity capital to assets | 14.9561% | 922 |
| Core capital (leverage) ratio | 16.1877% | 590 |
| Tier 1 risk-based capital ratio | 21.9372% | 1,163 |
| Total risk-based capital ratio | 23.1952% | 1,140 |
| Memoranda: | ||
| Average total assets | $71,188,800 | 5,966 |
| Average earning assets | $68,060,200 | 5,868 |
| Average equity | $12,425,200 | 4,650 |
| Average total loans | $62,335,200 | 5,161 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1007% | 1,653 |
| Cost of funding earning assets | 1.3541% | 6,383 |
| Net interest margin | 4.7466% | 763 |
| Noninterest income to average assets | 0.1923% | 6,841 |
| Noninterest expense to average assets | 3.4477% | 2,427 |
| Loan and lease loss provision to assets | 0.3473% | 4,248 |
| Net operating income to assets | 0.9438% | 2,253 |
| Return on assets (ROA) | 0.9438% | 2,319 |
| Pretax return on assets | 0.9438% | 3,081 |
| Return on Equity (ROE) | 5.1782% | 3,890 |
| Retained earnings to average equity (ytd only) | 5.1782% | 2,386 |
| Net charge-offs to loans | 0.0022% | 6,962 |
| Credit loss provision to net charge-offs | 17,700.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 659.6316% | 40 |
| Efficiency ratio | 72.7536% | 4,090 |
| Assets per employee ($millions) | 5.0661% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 3,382 |
| Loan loss allowance to noncurrent loans | 57.6592% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 2.2937% | 2,985 |
| Noncurrent loans to loans | 2.6196% | 2,886 |
| Net loans and leases to total assets | 86.2354% | 331 |
| Net loans and leases to deposits | 108.1047% | 555 |
| Net loans and leases to core deposits | 112.9667% | 2,932 |
| Total domestic deposits to total assets | 79.7702% | 5,534 |
| Equity capital to assets | 16.6715% | 676 |
| Core capital (leverage) ratio | 17.5978% | 491 |
| Tier 1 risk-based capital ratio | 23.9551% | 1,004 |
| Total risk-based capital ratio | 25.2130% | 979 |
| Memoranda: | ||
| Average total assets | $67,947,750 | 6,106 |
| Average earning assets | $65,084,250 | 6,001 |
| Average equity | $12,385,000 | 4,682 |
| Average total loans | $59,996,500 | 5,289 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1858% | 1,502 |
| Cost of funding earning assets | 1.4248% | 6,399 |
| Net interest margin | 4.7610% | 715 |
| Noninterest income to average assets | 0.1716% | 7,064 |
| Noninterest expense to average assets | 3.4290% | 2,540 |
| Loan and lease loss provision to assets | 0.3248% | 3,994 |
| Net operating income to assets | 0.9745% | 2,196 |
| Return on assets (ROA) | 0.9745% | 2,292 |
| Pretax return on assets | 0.9745% | 3,099 |
| Return on Equity (ROE) | 5.1748% | 4,005 |
| Retained earnings to average equity (ytd only) | 5.1748% | 2,411 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5211% | 4,302 |
| Assets per employee ($millions) | 4.6183% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 3,119 |
| Loan loss allowance to noncurrent loans | 162.8920% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.8286% | 5,330 |
| Noncurrent loans to loans | 0.9287% | 5,358 |
| Net loans and leases to total assets | 87.8730% | 243 |
| Net loans and leases to deposits | 109.3912% | 580 |
| Net loans and leases to core deposits | 114.8696% | 2,824 |
| Total domestic deposits to total assets | 80.3291% | 5,343 |
| Equity capital to assets | 17.9733% | 555 |
| Core capital (leverage) ratio | 18.2726% | 478 |
| Tier 1 risk-based capital ratio | 25.3721% | 910 |
| Total risk-based capital ratio | 26.6147% | 891 |
| Memoranda: | ||
| Average total assets | $65,266,330 | 6,253 |
| Average earning assets | $62,465,670 | 6,130 |
| Average equity | $12,290,330 | 4,741 |
| Average total loans | $57,816,330 | 5,431 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3068% | 1,282 |
| Cost of funding earning assets | 1.5355% | 6,288 |
| Net interest margin | 4.7713% | 645 |
| Noninterest income to average assets | 0.1644% | 7,130 |
| Noninterest expense to average assets | 3.3259% | 2,579 |
| Loan and lease loss provision to assets | 0.1897% | 4,547 |
| Net operating income to assets | 0.9864% | 2,376 |
| Return on assets (ROA) | 0.9864% | 2,508 |
| Pretax return on assets | 1.2266% | 2,524 |
| Return on Equity (ROE) | 5.1106% | 4,431 |
| Retained earnings to average equity (ytd only) | 5.1106% | 3,060 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1333% | 4,548 |
| Assets per employee ($millions) | 4.9822% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 2,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 86.3731% | 394 |
| Net loans and leases to deposits | 111.2651% | 555 |
| Net loans and leases to core deposits | 118.0780% | 2,592 |
| Total domestic deposits to total assets | 77.6282% | 6,121 |
| Equity capital to assets | 18.9998% | 501 |
| Core capital (leverage) ratio | 19.3430% | 424 |
| Tier 1 risk-based capital ratio | 26.7287% | 833 |
| Total risk-based capital ratio | 27.9692% | 822 |
| Memoranda: | ||
| Average total assets | $63,262,000 | 6,350 |
| Average earning assets | $60,696,500 | 6,226 |
| Average equity | $12,210,000 | 4,782 |
| Average total loans | $55,820,000 | 5,548 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4574% | 446 |
| Cost of funding earning assets | 2.7083% | 3,129 |
| Net interest margin | 4.7492% | 867 |
| Noninterest income to average assets | 0.1422% | 7,394 |
| Noninterest expense to average assets | 3.4066% | 2,657 |
| Loan and lease loss provision to assets | 0.5441% | 2,645 |
| Net operating income to assets | 0.8057% | 3,415 |
| Return on assets (ROA) | 0.8303% | 3,144 |
| Pretax return on assets | 0.8303% | 3,959 |
| Return on Equity (ROE) | 3.7261% | 4,931 |
| Retained earnings to average equity (ytd only) | 3.7261% | 2,816 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6222% | 4,008 |
| Assets per employee ($millions) | 4.7504% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 2,614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 87.4536% | 419 |
| Net loans and leases to deposits | 116.6407% | 497 |
| Net loans and leases to core deposits | 124.4344% | 2,290 |
| Total domestic deposits to total assets | 74.9769% | 6,457 |
| Equity capital to assets | 19.6162% | 491 |
| Core capital (leverage) ratio | 19.7398% | 454 |
| Tier 1 risk-based capital ratio | 27.0436% | 825 |
| Total risk-based capital ratio | 28.2994% | 805 |
| Memoranda: | ||
| Average total assets | $52,751,000 | 6,671 |
| Average earning assets | $51,250,800 | 6,539 |
| Average equity | $11,754,800 | 4,903 |
| Average total loans | $45,954,800 | 5,876 |