Home > Merchants & Planters Bank > Performance and Condition Ratios
Merchants & Planters Bank, Performance and Condition Ratios
| 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 | 4.5129% | 1,829 |
| Cost of funding earning assets | 0.3543% | 3,954 |
| Net interest margin | 4.1586% | 1,274 |
| Noninterest income to average assets | 0.8988% | 1,150 |
| Noninterest expense to average assets | 3.5629% | 910 |
| Loan and lease loss provision to assets | -0.1192% | 5,519 |
| Net operating income to assets | 0.6733% | 4,193 |
| Return on assets (ROA) | 0.6878% | 4,147 |
| Pretax return on assets | 1.1876% | 2,812 |
| Return on Equity (ROE) | 5.3918% | 4,353 |
| Retained earnings to average equity (ytd only) | -0.7549% | 4,892 |
| Net charge-offs to loans | 0.3193% | 476 |
| Credit loss provision to net charge-offs | -65.0000% | 3,641 |
| Earnings coverage of net charge-offs (x) | 5.7250% | 2,209 |
| Efficiency ratio | 77.2366% | 1,429 |
| Assets per employee ($millions) | 3.0896% | 5,096 |
| Cash dividends to net income (ytd only)* | 114.0000% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 1,125 |
| Loan loss allowance to noncurrent loans | 1,648.9796% | 394 |
| Noncurrent assets plus other real estate owned to assets | 1.1964% | 1,277 |
| Noncurrent loans to loans | 0.0979% | 4,534 |
| Net loans and leases to total assets | 56.9485% | 4,032 |
| Net loans and leases to deposits | 67.0628% | 4,017 |
| Net loans and leases to core deposits | 68.9938% | 4,151 |
| Total domestic deposits to total assets | 84.9182% | 2,960 |
| Equity capital to assets | 12.7480% | 1,361 |
| Core capital (leverage) ratio | 12.6804% | 1,301 |
| Tier 1 risk-based capital ratio | 19.1919% | 1,509 |
| Total risk-based capital ratio | 20.4436% | 1,462 |
| Memoranda: | ||
| Average total assets | $87,232,000 | 4,445 |
| Average earning assets | $77,910,500 | 4,492 |
| Average equity | $11,128,000 | 4,262 |
| Average total loans | $50,108,000 | 4,442 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5229% | 1,642 |
| Cost of funding earning assets | 0.3634% | 3,583 |
| Net interest margin | 4.1595% | 1,278 |
| Noninterest income to average assets | 1.1227% | 808 |
| Noninterest expense to average assets | 3.8044% | 694 |
| Loan and lease loss provision to assets | -0.0436% | 5,385 |
| Net operating income to assets | 0.5748% | 4,119 |
| Return on assets (ROA) | 0.6027% | 4,036 |
| Pretax return on assets | 1.1113% | 3,137 |
| Return on Equity (ROE) | 4.7391% | 4,277 |
| Retained earnings to average equity (ytd only) | 4.2878% | 2,589 |
| Net charge-offs to loans | -0.1252% | 5,424 |
| Credit loss provision to net charge-offs | 60.3175% | 3,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7922% | 1,248 |
| Assets per employee ($millions) | 2.6653% | 5,394 |
| Cash dividends to net income (ytd only)* | 9.5238% | 3,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7430% | 872 |
| Loan loss allowance to noncurrent loans | 480.2198% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 1.2609% | 1,154 |
| Noncurrent loans to loans | 0.3630% | 3,467 |
| Net loans and leases to total assets | 56.0155% | 4,185 |
| Net loans and leases to deposits | 66.1729% | 4,174 |
| Net loans and leases to core deposits | 68.0520% | 4,289 |
| Total domestic deposits to total assets | 84.6503% | 2,970 |
| Equity capital to assets | 12.7655% | 1,371 |
| Core capital (leverage) ratio | 12.7330% | 1,250 |
| Tier 1 risk-based capital ratio | 19.1016% | 1,486 |
| Total risk-based capital ratio | 20.3539% | 1,451 |
| Memoranda: | ||
| Average total assets | $87,109,000 | 4,474 |
| Average earning assets | $77,604,600 | 4,505 |
| Average equity | $11,078,000 | 4,286 |
| Average total loans | $50,322,800 | 4,449 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5585% | 1,476 |
| Cost of funding earning assets | 0.3637% | 3,517 |
| Net interest margin | 4.1949% | 1,163 |
| Noninterest income to average assets | 0.8531% | 1,417 |
| Noninterest expense to average assets | 3.7714% | 704 |
| Loan and lease loss provision to assets | -0.0414% | 5,507 |
| Net operating income to assets | 0.6437% | 4,215 |
| Return on assets (ROA) | 0.6874% | 4,109 |
| Pretax return on assets | 0.9160% | 3,986 |
| Return on Equity (ROE) | 5.4103% | 4,369 |
| Retained earnings to average equity (ytd only) | 5.4103% | 2,598 |
| Net charge-offs to loans | -0.1456% | 5,470 |
| Credit loss provision to net charge-offs | 49.0909% | 2,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2074% | 896 |
| Assets per employee ($millions) | 2.6098% | 5,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8112% | 839 |
| Loan loss allowance to noncurrent loans | 1,827.0833% | 361 |
| Noncurrent assets plus other real estate owned to assets | 1.2715% | 1,272 |
| Noncurrent loans to loans | 0.0991% | 4,666 |
| Net loans and leases to total assets | 55.2054% | 4,304 |
| Net loans and leases to deposits | 65.4191% | 4,291 |
| Net loans and leases to core deposits | 67.2713% | 4,405 |
| Total domestic deposits to total assets | 84.3873% | 2,963 |
| Equity capital to assets | 13.1198% | 1,331 |
| Core capital (leverage) ratio | 12.6120% | 1,375 |
| Tier 1 risk-based capital ratio | 19.6179% | 1,452 |
| Total risk-based capital ratio | 20.8715% | 1,415 |
| Memoranda: | ||
| Average total assets | $86,897,250 | 4,517 |
| Average earning assets | $77,362,500 | 4,556 |
| Average equity | $11,040,500 | 4,336 |
| Average total loans | $50,367,750 | 4,492 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5140% | 1,482 |
| Cost of funding earning assets | 0.3627% | 3,455 |
| Net interest margin | 4.1513% | 1,201 |
| Noninterest income to average assets | 0.8812% | 1,328 |
| Noninterest expense to average assets | 3.7496% | 718 |
| Loan and lease loss provision to assets | -0.0367% | 5,594 |
| Net operating income to assets | 0.6506% | 4,081 |
| Return on assets (ROA) | 0.7160% | 3,839 |
| Pretax return on assets | 0.9592% | 3,729 |
| Return on Equity (ROE) | 5.6964% | 4,184 |
| Retained earnings to average equity (ytd only) | 5.6964% | 2,296 |
| Net charge-offs to loans | -0.1725% | 5,557 |
| Credit loss provision to net charge-offs | 36.3636% | 2,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7818% | 1,028 |
| Assets per employee ($millions) | 2.6384% | 5,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7543% | 976 |
| Loan loss allowance to noncurrent loans | 790.0901% | 695 |
| Noncurrent assets plus other real estate owned to assets | 1.2186% | 1,395 |
| Noncurrent loans to loans | 0.2220% | 4,230 |
| Net loans and leases to total assets | 56.4101% | 4,182 |
| Net loans and leases to deposits | 67.9130% | 4,081 |
| Net loans and leases to core deposits | 69.3514% | 4,265 |
| Total domestic deposits to total assets | 83.0623% | 3,546 |
| Equity capital to assets | 12.8604% | 1,439 |
| Core capital (leverage) ratio | 12.4374% | 1,395 |
| Tier 1 risk-based capital ratio | 18.8429% | 1,626 |
| Total risk-based capital ratio | 20.0966% | 1,581 |
| Memoranda: | ||
| Average total assets | $87,155,670 | 4,541 |
| Average earning assets | $77,758,670 | 4,570 |
| Average equity | $10,954,330 | 4,367 |
| Average total loans | $51,016,670 | 4,499 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5008% | 1,372 |
| Cost of funding earning assets | 0.3652% | 3,363 |
| Net interest margin | 4.1356% | 1,127 |
| Noninterest income to average assets | 0.8716% | 1,332 |
| Noninterest expense to average assets | 3.7614% | 710 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6048% | 4,137 |
| Return on assets (ROA) | 0.6605% | 3,920 |
| Pretax return on assets | 0.8716% | 3,862 |
| Return on Equity (ROE) | 5.3171% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.3171% | 2,727 |
| Net charge-offs to loans | -0.1941% | 5,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4950% | 1,113 |
| Assets per employee ($millions) | 2.6573% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7355% | 1,083 |
| Loan loss allowance to noncurrent loans | 439.1960% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 1.3103% | 1,297 |
| Noncurrent loans to loans | 0.3951% | 3,684 |
| Net loans and leases to total assets | 56.4334% | 4,124 |
| Net loans and leases to deposits | 67.6154% | 4,025 |
| Net loans and leases to core deposits | 69.0369% | 4,219 |
| Total domestic deposits to total assets | 83.4624% | 3,670 |
| Equity capital to assets | 12.4836% | 1,546 |
| Core capital (leverage) ratio | 12.2352% | 1,478 |
| Tier 1 risk-based capital ratio | 18.3555% | 1,774 |
| Total risk-based capital ratio | 19.6080% | 1,734 |
| Memoranda: | ||
| Average total assets | $87,200,500 | 4,581 |
| Average earning assets | $77,764,000 | 4,616 |
| Average equity | $10,833,000 | 4,414 |
| Average total loans | $51,529,500 | 4,517 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 1,193 |
| Cost of funding earning assets | 0.3644% | 3,373 |
| Net interest margin | 4.2741% | 972 |
| Noninterest income to average assets | 0.8826% | 1,471 |
| Noninterest expense to average assets | 3.7875% | 784 |
| Loan and lease loss provision to assets | -0.5888% | 5,886 |
| Net operating income to assets | 1.0221% | 2,251 |
| Return on assets (ROA) | 1.0221% | 2,357 |
| Pretax return on assets | 1.4818% | 1,651 |
| Return on Equity (ROE) | 8.0098% | 2,926 |
| Retained earnings to average equity (ytd only) | -4.1087% | 5,641 |
| Net charge-offs to loans | -1.2618% | 5,864 |
| Credit loss provision to net charge-offs | 76.2687% | 3,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9207% | 1,309 |
| Assets per employee ($millions) | 2.6276% | 5,601 |
| Cash dividends to net income (ytd only)* | 151.2965% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 1,346 |
| Loan loss allowance to noncurrent loans | 143.1703% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 1.7795% | 835 |
| Noncurrent loans to loans | 1.1253% | 1,831 |
| Net loans and leases to total assets | 59.7959% | 3,878 |
| Net loans and leases to deposits | 71.5652% | 3,753 |
| Net loans and leases to core deposits | 73.0885% | 4,000 |
| Total domestic deposits to total assets | 83.5544% | 3,584 |
| Equity capital to assets | 12.3619% | 1,600 |
| Core capital (leverage) ratio | 12.1662% | 1,500 |
| Tier 1 risk-based capital ratio | 17.6040% | 1,973 |
| Total risk-based capital ratio | 18.8557% | 1,933 |
| Memoranda: | ||
| Average total assets | $86,785,000 | 4,607 |
| Average earning assets | $77,115,000 | 4,642 |
| Average equity | $11,074,000 | 4,416 |
| Average total loans | $53,098,800 | 4,490 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6584% | 1,168 |
| Cost of funding earning assets | 0.3633% | 3,406 |
| Net interest margin | 4.2951% | 940 |
| Noninterest income to average assets | 0.7741% | 1,871 |
| Noninterest expense to average assets | 3.7279% | 818 |
| Loan and lease loss provision to assets | -0.6912% | 5,956 |
| Net operating income to assets | 1.0875% | 2,052 |
| Return on assets (ROA) | 1.0875% | 2,149 |
| Pretax return on assets | 1.5514% | 1,530 |
| Return on Equity (ROE) | 8.4565% | 2,781 |
| Retained earnings to average equity (ytd only) | -5.5302% | 5,749 |
| Net charge-offs to loans | -1.5063% | 5,929 |
| Credit loss provision to net charge-offs | 74.8752% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2521% | 1,275 |
| Assets per employee ($millions) | 2.6661% | 5,627 |
| Cash dividends to net income (ytd only)* | 165.3944% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 1,511 |
| Loan loss allowance to noncurrent loans | 1,168.0556% | 515 |
| Noncurrent assets plus other real estate owned to assets | 1.1741% | 1,706 |
| Noncurrent loans to loans | 0.1361% | 4,798 |
| Net loans and leases to total assets | 59.1919% | 3,978 |
| Net loans and leases to deposits | 73.1275% | 3,683 |
| Net loans and leases to core deposits | 74.7149% | 3,949 |
| Total domestic deposits to total assets | 80.9434% | 4,263 |
| Equity capital to assets | 12.6586% | 1,674 |
| Core capital (leverage) ratio | 12.3192% | 1,473 |
| Tier 1 risk-based capital ratio | 17.6718% | 2,017 |
| Total risk-based capital ratio | 18.9234% | 1,974 |
| Memoranda: | ||
| Average total assets | $86,803,750 | 4,639 |
| Average earning assets | $77,078,250 | 4,684 |
| Average equity | $11,162,750 | 4,441 |
| Average total loans | $53,199,000 | 4,518 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6472% | 1,173 |
| Cost of funding earning assets | 0.3605% | 3,443 |
| Net interest margin | 4.2867% | 947 |
| Noninterest income to average assets | 0.8841% | 1,421 |
| Noninterest expense to average assets | 3.7750% | 796 |
| Loan and lease loss provision to assets | -1.0415% | 6,044 |
| Net operating income to assets | 1.3355% | 1,199 |
| Return on assets (ROA) | 1.3355% | 1,275 |
| Pretax return on assets | 1.9488% | 634 |
| Return on Equity (ROE) | 10.3300% | 1,908 |
| Retained earnings to average equity (ytd only) | -7.5730% | 5,831 |
| Net charge-offs to loans | -1.7826% | 6,007 |
| Credit loss provision to net charge-offs | 94.7368% | 2,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6228% | 1,425 |
| Assets per employee ($millions) | 2.5954% | 5,740 |
| Cash dividends to net income (ytd only)* | 173.3102% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 2,550 |
| Loan loss allowance to noncurrent loans | 238.3333% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 1.6369% | 1,111 |
| Noncurrent loans to loans | 0.5645% | 3,372 |
| Net loans and leases to total assets | 61.2203% | 3,722 |
| Net loans and leases to deposits | 74.1798% | 3,572 |
| Net loans and leases to core deposits | 75.2638% | 3,887 |
| Total domestic deposits to total assets | 82.5297% | 3,821 |
| Equity capital to assets | 13.0534% | 1,470 |
| Core capital (leverage) ratio | 12.4393% | 1,390 |
| Tier 1 risk-based capital ratio | 17.9321% | 1,949 |
| Total risk-based capital ratio | 19.1415% | 1,924 |
| Memoranda: | ||
| Average total assets | $86,411,670 | 4,687 |
| Average earning assets | $76,562,000 | 4,742 |
| Average equity | $11,171,330 | 4,465 |
| Average total loans | $53,292,670 | 4,547 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6476% | 1,151 |
| Cost of funding earning assets | 0.3591% | 3,510 |
| Net interest margin | 4.2885% | 948 |
| Noninterest income to average assets | 0.8664% | 1,393 |
| Noninterest expense to average assets | 3.8021% | 775 |
| Loan and lease loss provision to assets | -2.0739% | 6,115 |
| Net operating income to assets | 1.9448% | 369 |
| Return on assets (ROA) | 1.9448% | 391 |
| Pretax return on assets | 2.9357% | 138 |
| Return on Equity (ROE) | 15.1160% | 653 |
| Retained earnings to average equity (ytd only) | -20.7039% | 5,971 |
| Net charge-offs to loans | -3.4630% | 6,074 |
| Credit loss provision to net charge-offs | 97.4026% | 1,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5217% | 1,418 |
| Assets per employee ($millions) | 2.6080% | 5,785 |
| Cash dividends to net income (ytd only)* | 236.9668% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 2,838 |
| Loan loss allowance to noncurrent loans | 780.0000% | 698 |
| Noncurrent assets plus other real estate owned to assets | 1.3850% | 1,503 |
| Noncurrent loans to loans | 0.1683% | 4,819 |
| Net loans and leases to total assets | 61.3025% | 3,620 |
| Net loans and leases to deposits | 73.8594% | 3,450 |
| Net loans and leases to core deposits | 74.9325% | 3,797 |
| Total domestic deposits to total assets | 82.9989% | 3,895 |
| Equity capital to assets | 12.7253% | 1,545 |
| Core capital (leverage) ratio | 11.9739% | 1,625 |
| Tier 1 risk-based capital ratio | 17.4405% | 2,143 |
| Total risk-based capital ratio | 18.6126% | 2,136 |
| Memoranda: | ||
| Average total assets | $86,793,500 | 4,712 |
| Average earning assets | $76,857,000 | 4,776 |
| Average equity | $11,167,000 | 4,474 |
| Average total loans | $53,364,500 | 4,578 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5873% | 1,372 |
| Cost of funding earning assets | 0.3480% | 3,720 |
| Net interest margin | 4.2392% | 1,082 |
| Noninterest income to average assets | 1.0647% | 1,041 |
| Noninterest expense to average assets | 3.7777% | 888 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8360% | 3,177 |
| Return on assets (ROA) | 0.7448% | 3,693 |
| Pretax return on assets | 0.8896% | 3,880 |
| Return on Equity (ROE) | 5.6869% | 4,190 |
| Retained earnings to average equity (ytd only) | 4.1627% | 3,032 |
| Net charge-offs to loans | -0.0206% | 5,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1005% | 1,804 |
| Assets per employee ($millions) | 2.6522% | 5,812 |
| Cash dividends to net income (ytd only)* | 26.8025% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 2,938 |
| Loan loss allowance to noncurrent loans | 209.7264% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 1.6533% | 1,182 |
| Noncurrent loans to loans | 0.6176% | 3,330 |
| Net loans and leases to total assets | 60.0729% | 3,826 |
| Net loans and leases to deposits | 72.6473% | 3,652 |
| Net loans and leases to core deposits | 73.6940% | 3,968 |
| Total domestic deposits to total assets | 82.6912% | 3,949 |
| Equity capital to assets | 13.0047% | 1,344 |
| Core capital (leverage) ratio | 12.4365% | 1,382 |
| Tier 1 risk-based capital ratio | 18.3192% | 1,876 |
| Total risk-based capital ratio | 19.5195% | 1,853 |
| Memoranda: | ||
| Average total assets | $85,661,200 | 4,749 |
| Average earning assets | $74,989,800 | 4,832 |
| Average equity | $11,218,800 | 4,437 |
| Average total loans | $48,657,800 | 4,715 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 1,378 |
| Cost of funding earning assets | 0.3474% | 3,782 |
| Net interest margin | 4.2337% | 1,097 |
| Noninterest income to average assets | 1.0266% | 1,126 |
| Noninterest expense to average assets | 3.7857% | 868 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7842% | 3,500 |
| Return on assets (ROA) | 0.6933% | 4,039 |
| Pretax return on assets | 0.8310% | 4,241 |
| Return on Equity (ROE) | 5.2840% | 4,500 |
| Retained earnings to average equity (ytd only) | 5.2840% | 2,734 |
| Net charge-offs to loans | 0.0084% | 3,872 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 200.3275% | 359 |
| Efficiency ratio | 80.0993% | 1,649 |
| Assets per employee ($millions) | 2.5502% | 5,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 2,752 |
| Loan loss allowance to noncurrent loans | 323.9234% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 1.5281% | 1,464 |
| Noncurrent loans to loans | 0.4221% | 4,088 |
| Net loans and leases to total assets | 58.0284% | 4,140 |
| Net loans and leases to deposits | 70.9357% | 3,886 |
| Net loans and leases to core deposits | 72.0163% | 4,190 |
| Total domestic deposits to total assets | 81.8042% | 4,227 |
| Equity capital to assets | 13.5283% | 1,213 |
| Core capital (leverage) ratio | 12.8498% | 1,253 |
| Tier 1 risk-based capital ratio | 19.3442% | 1,696 |
| Total risk-based capital ratio | 20.5672% | 1,670 |
| Memoranda: | ||
| Average total assets | $85,196,000 | 4,815 |
| Average earning assets | $74,448,250 | 4,901 |
| Average equity | $11,178,000 | 4,499 |
| Average total loans | $47,505,500 | 4,794 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5369% | 1,432 |
| Cost of funding earning assets | 0.3457% | 3,863 |
| Net interest margin | 4.1912% | 1,123 |
| Noninterest income to average assets | 1.0778% | 1,031 |
| Noninterest expense to average assets | 3.8718% | 796 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7641% | 3,569 |
| Return on assets (ROA) | 0.6663% | 4,153 |
| Pretax return on assets | 0.7528% | 4,482 |
| Return on Equity (ROE) | 5.1310% | 4,560 |
| Retained earnings to average equity (ytd only) | 5.1310% | 2,779 |
| Net charge-offs to loans | 0.0128% | 3,475 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 512 |
| Efficiency ratio | 81.7778% | 1,523 |
| Assets per employee ($millions) | 2.4622% | 6,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 2,549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2865% | 1,958 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 55.2494% | 4,416 |
| Net loans and leases to deposits | 65.5954% | 4,374 |
| Net loans and leases to core deposits | 66.5736% | 4,607 |
| Total domestic deposits to total assets | 84.2274% | 3,474 |
| Equity capital to assets | 13.2366% | 1,286 |
| Core capital (leverage) ratio | 12.3492% | 1,461 |
| Tier 1 risk-based capital ratio | 19.5042% | 1,669 |
| Total risk-based capital ratio | 20.7538% | 1,632 |
| Memoranda: | ||
| Average total assets | $85,542,330 | 4,863 |
| Average earning assets | $74,633,000 | 4,948 |
| Average equity | $11,109,000 | 4,545 |
| Average total loans | $46,836,670 | 4,860 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 1,607 |
| Cost of funding earning assets | 0.3436% | 3,945 |
| Net interest margin | 4.1077% | 1,258 |
| Noninterest income to average assets | 0.8883% | 1,427 |
| Noninterest expense to average assets | 3.7337% | 959 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6044% | 4,272 |
| Return on assets (ROA) | 0.5182% | 4,714 |
| Pretax return on assets | 0.6431% | 4,787 |
| Return on Equity (ROE) | 4.0277% | 4,969 |
| Retained earnings to average equity (ytd only) | 4.0277% | 3,588 |
| Net charge-offs to loans | 0.1197% | 1,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 11.5714% | 1,855 |
| Efficiency ratio | 83.2817% | 1,454 |
| Assets per employee ($millions) | 2.5756% | 6,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4384% | 2,751 |
| Loan loss allowance to noncurrent loans | 832.5000% | 639 |
| Noncurrent assets plus other real estate owned to assets | 1.6923% | 1,487 |
| Noncurrent loans to loans | 0.1728% | 5,153 |
| Net loans and leases to total assets | 52.1120% | 4,653 |
| Net loans and leases to deposits | 61.4282% | 4,630 |
| Net loans and leases to core deposits | 62.3037% | 4,822 |
| Total domestic deposits to total assets | 84.8340% | 3,486 |
| Equity capital to assets | 12.8616% | 1,473 |
| Core capital (leverage) ratio | 12.1173% | 1,566 |
| Tier 1 risk-based capital ratio | 18.8220% | 1,915 |
| Total risk-based capital ratio | 20.0238% | 1,885 |
| Memoranda: | ||
| Average total assets | $86,456,000 | 4,891 |
| Average earning assets | $75,662,500 | 4,979 |
| Average equity | $11,123,000 | 4,575 |
| Average total loans | $46,790,500 | 4,888 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6453% | 1,432 |
| Cost of funding earning assets | 0.3819% | 3,887 |
| Net interest margin | 4.2634% | 1,137 |
| Noninterest income to average assets | 0.8259% | 1,773 |
| Noninterest expense to average assets | 3.7368% | 1,085 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8323% | 3,209 |
| Return on assets (ROA) | 1.0106% | 2,415 |
| Pretax return on assets | 1.0164% | 3,431 |
| Return on Equity (ROE) | 8.0684% | 3,097 |
| Retained earnings to average equity (ytd only) | 6.4825% | 1,652 |
| Net charge-offs to loans | -0.0456% | 5,899 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7120% | 1,693 |
| Assets per employee ($millions) | 2.5100% | 6,157 |
| Cash dividends to net income (ytd only)* | 19.6552% | 3,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 3,370 |
| Loan loss allowance to noncurrent loans | 461.9403% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 1.2843% | 2,191 |
| Noncurrent loans to loans | 0.2834% | 4,834 |
| Net loans and leases to total assets | 54.6759% | 4,494 |
| Net loans and leases to deposits | 64.6238% | 4,463 |
| Net loans and leases to core deposits | 65.8059% | 4,684 |
| Total domestic deposits to total assets | 84.6065% | 3,453 |
| Equity capital to assets | 12.8695% | 1,431 |
| Core capital (leverage) ratio | 12.3702% | 1,410 |
| Tier 1 risk-based capital ratio | 19.0932% | 1,818 |
| Total risk-based capital ratio | 20.2145% | 1,821 |
| Memoranda: | ||
| Average total assets | $86,089,600 | 4,922 |
| Average earning assets | $75,667,600 | 5,000 |
| Average equity | $10,782,800 | 4,600 |
| Average total loans | $48,234,600 | 4,873 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6611% | 1,403 |
| Cost of funding earning assets | 0.3896% | 3,904 |
| Net interest margin | 4.2715% | 1,111 |
| Noninterest income to average assets | 0.9149% | 1,473 |
| Noninterest expense to average assets | 3.6703% | 1,170 |
| Loan and lease loss provision to assets | 0.0927% | 2,503 |
| Net operating income to assets | 0.6834% | 4,021 |
| Return on assets (ROA) | 0.6846% | 4,110 |
| Pretax return on assets | 0.9149% | 3,927 |
| Return on Equity (ROE) | 5.5032% | 4,485 |
| Retained earnings to average equity (ytd only) | 5.5032% | 2,743 |
| Net charge-offs to loans | -0.0220% | 5,640 |
| Credit loss provision to net charge-offs | -750.0000% | 5,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4865% | 2,111 |
| Assets per employee ($millions) | 2.4026% | 6,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 3,673 |
| Loan loss allowance to noncurrent loans | 257.4468% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 1.3164% | 2,347 |
| Noncurrent loans to loans | 0.5026% | 4,422 |
| Net loans and leases to total assets | 54.8829% | 4,476 |
| Net loans and leases to deposits | 64.6816% | 4,463 |
| Net loans and leases to core deposits | 66.1199% | 4,696 |
| Total domestic deposits to total assets | 84.8508% | 3,397 |
| Equity capital to assets | 12.6341% | 1,619 |
| Core capital (leverage) ratio | 12.0375% | 1,681 |
| Tier 1 risk-based capital ratio | 18.8264% | 1,948 |
| Total risk-based capital ratio | 19.9474% | 1,953 |
| Memoranda: | ||
| Average total assets | $86,276,750 | 4,971 |
| Average earning assets | $75,973,750 | 5,041 |
| Average equity | $10,732,750 | 4,641 |
| Average total loans | $48,473,250 | 4,920 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6043% | 1,521 |
| Cost of funding earning assets | 0.3958% | 3,905 |
| Net interest margin | 4.2085% | 1,222 |
| Noninterest income to average assets | 0.7586% | 2,010 |
| Noninterest expense to average assets | 3.4687% | 1,538 |
| Loan and lease loss provision to assets | 0.1379% | 1,800 |
| Net operating income to assets | 0.6505% | 4,095 |
| Return on assets (ROA) | 0.6505% | 4,197 |
| Pretax return on assets | 0.8666% | 4,010 |
| Return on Equity (ROE) | 5.2558% | 4,550 |
| Retained earnings to average equity (ytd only) | 5.2558% | 2,794 |
| Net charge-offs to loans | 0.0122% | 3,998 |
| Credit loss provision to net charge-offs | 2,000.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 145.6667% | 418 |
| Efficiency ratio | 77.5437% | 2,365 |
| Assets per employee ($millions) | 2.4955% | 6,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 4,041 |
| Loan loss allowance to noncurrent loans | 195.3947% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 1.8810% | 1,728 |
| Noncurrent loans to loans | 0.6484% | 4,086 |
| Net loans and leases to total assets | 54.5582% | 4,474 |
| Net loans and leases to deposits | 64.0626% | 4,492 |
| Net loans and leases to core deposits | 65.4734% | 4,686 |
| Total domestic deposits to total assets | 85.1639% | 3,427 |
| Equity capital to assets | 12.2868% | 1,785 |
| Core capital (leverage) ratio | 11.5332% | 1,973 |
| Tier 1 risk-based capital ratio | 18.3266% | 2,120 |
| Total risk-based capital ratio | 19.4225% | 2,147 |
| Memoranda: | ||
| Average total assets | $87,005,670 | 4,998 |
| Average earning assets | $76,797,000 | 5,051 |
| Average equity | $10,769,000 | 4,659 |
| Average total loans | $49,045,670 | 4,924 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 1,619 |
| Cost of funding earning assets | 0.4050% | 3,908 |
| Net interest margin | 4.1521% | 1,335 |
| Noninterest income to average assets | 0.6948% | 2,200 |
| Noninterest expense to average assets | 3.6692% | 1,178 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5358% | 4,525 |
| Return on assets (ROA) | 0.5358% | 4,599 |
| Pretax return on assets | 0.7039% | 4,474 |
| Return on Equity (ROE) | 4.3140% | 4,875 |
| Retained earnings to average equity (ytd only) | 4.3140% | 3,539 |
| Net charge-offs to loans | -0.0160% | 5,236 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9045% | 1,684 |
| Assets per employee ($millions) | 2.5562% | 6,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 5,071 |
| Loan loss allowance to noncurrent loans | 709.2105% | 696 |
| Noncurrent assets plus other real estate owned to assets | 1.5878% | 2,222 |
| Noncurrent loans to loans | 0.1568% | 5,611 |
| Net loans and leases to total assets | 55.1548% | 4,260 |
| Net loans and leases to deposits | 65.0999% | 4,193 |
| Net loans and leases to core deposits | 66.5080% | 4,448 |
| Total domestic deposits to total assets | 84.7233% | 3,988 |
| Equity capital to assets | 12.7189% | 1,447 |
| Core capital (leverage) ratio | 12.1519% | 1,572 |
| Tier 1 risk-based capital ratio | 19.0727% | 1,942 |
| Total risk-based capital ratio | 20.0447% | 1,989 |
| Memoranda: | ||
| Average total assets | $88,085,000 | 5,019 |
| Average earning assets | $78,033,500 | 5,066 |
| Average equity | $10,941,000 | 4,634 |
| Average total loans | $50,126,000 | 4,926 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6240% | 1,789 |
| Cost of funding earning assets | 0.5257% | 3,337 |
| Net interest margin | 4.0984% | 1,644 |
| Noninterest income to average assets | 4.7095% | 147 |
| Noninterest expense to average assets | 5.7874% | 221 |
| Loan and lease loss provision to assets | 1.0282% | 172 |
| Net operating income to assets | 0.9881% | 2,379 |
| Return on assets (ROA) | 1.0282% | 2,269 |
| Pretax return on assets | 1.5500% | 1,299 |
| Return on Equity (ROE) | 8.8101% | 2,638 |
| Retained earnings to average equity (ytd only) | 8.8101% | 818 |
| Net charge-offs to loans | 1.9253% | 204 |
| Credit loss provision to net charge-offs | 81.8981% | 2,993 |
| Earnings coverage of net charge-offs (x) | 2.0053% | 4,375 |
| Efficiency ratio | 69.6865% | 3,882 |
| Assets per employee ($millions) | 2.4794% | 6,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 5,388 |
| Loan loss allowance to noncurrent loans | 1,074.0000% | 477 |
| Noncurrent assets plus other real estate owned to assets | 1.7219% | 2,145 |
| Noncurrent loans to loans | 0.0966% | 5,922 |
| Net loans and leases to total assets | 57.4065% | 4,134 |
| Net loans and leases to deposits | 69.0580% | 3,900 |
| Net loans and leases to core deposits | 70.2991% | 4,262 |
| Total domestic deposits to total assets | 83.1279% | 4,504 |
| Equity capital to assets | 12.1309% | 1,723 |
| Core capital (leverage) ratio | 11.8939% | 1,681 |
| Tier 1 risk-based capital ratio | 18.4184% | 2,110 |
| Total risk-based capital ratio | 19.3416% | 2,181 |
| Memoranda: | ||
| Average total assets | $90,645,800 | 4,963 |
| Average earning assets | $79,519,400 | 5,049 |
| Average equity | $10,578,800 | 4,728 |
| Average total loans | $59,106,200 | 4,643 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5836% | 1,955 |
| Cost of funding earning assets | 0.5474% | 3,287 |
| Net interest margin | 4.0362% | 1,828 |
| Noninterest income to average assets | 6.0033% | 112 |
| Noninterest expense to average assets | 6.5865% | 164 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8870% | 446 |
| Return on assets (ROA) | 1.9386% | 423 |
| Pretax return on assets | 3.0302% | 135 |
| Return on Equity (ROE) | 16.7733% | 559 |
| Retained earnings to average equity (ytd only) | 16.7733% | 138 |
| Net charge-offs to loans | 0.4617% | 1,387 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 9.5401% | 2,471 |
| Efficiency ratio | 69.0688% | 3,906 |
| Assets per employee ($millions) | 2.4912% | 6,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9310% | 5,975 |
| Loan loss allowance to noncurrent loans | 1,131.9149% | 419 |
| Noncurrent assets plus other real estate owned to assets | 2.0227% | 1,984 |
| Noncurrent loans to loans | 0.0823% | 6,086 |
| Net loans and leases to total assets | 63.1212% | 3,144 |
| Net loans and leases to deposits | 76.4460% | 2,889 |
| Net loans and leases to core deposits | 77.6008% | 3,407 |
| Total domestic deposits to total assets | 82.5697% | 4,728 |
| Equity capital to assets | 12.5754% | 1,540 |
| Core capital (leverage) ratio | 12.5145% | 1,415 |
| Tier 1 risk-based capital ratio | 18.7691% | 2,057 |
| Total risk-based capital ratio | 19.6567% | 2,141 |
| Memoranda: | ||
| Average total assets | $90,992,250 | 5,004 |
| Average earning assets | $79,644,500 | 5,097 |
| Average equity | $10,516,500 | 4,790 |
| Average total loans | $60,938,250 | 4,623 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5255% | 2,102 |
| Cost of funding earning assets | 0.5648% | 3,267 |
| Net interest margin | 3.9608% | 2,006 |
| Noninterest income to average assets | 4.2262% | 179 |
| Noninterest expense to average assets | 6.6281% | 164 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7178% | 3,728 |
| Return on assets (ROA) | 0.7984% | 3,456 |
| Pretax return on assets | 1.1856% | 2,741 |
| Return on Equity (ROE) | 7.1132% | 3,542 |
| Retained earnings to average equity (ytd only) | 7.1132% | 1,841 |
| Net charge-offs to loans | 0.6430% | 1,024 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.4350% | 3,709 |
| Efficiency ratio | 86.1530% | 1,400 |
| Assets per employee ($millions) | 1.7841% | 6,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8968% | 6,137 |
| Loan loss allowance to noncurrent loans | 493.6364% | 887 |
| Noncurrent assets plus other real estate owned to assets | 1.9640% | 2,193 |
| Noncurrent loans to loans | 0.1817% | 5,864 |
| Net loans and leases to total assets | 65.9512% | 2,607 |
| Net loans and leases to deposits | 78.8290% | 2,477 |
| Net loans and leases to core deposits | 79.9859% | 3,027 |
| Total domestic deposits to total assets | 83.6636% | 4,466 |
| Equity capital to assets | 11.3071% | 2,456 |
| Core capital (leverage) ratio | 10.7791% | 2,585 |
| Tier 1 risk-based capital ratio | 16.0089% | 3,189 |
| Total risk-based capital ratio | 16.9074% | 3,338 |
| Memoranda: | ||
| Average total assets | $91,428,670 | 5,024 |
| Average earning assets | $80,035,000 | 5,116 |
| Average equity | $10,262,670 | 4,883 |
| Average total loans | $62,204,000 | 4,598 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 2,174 |
| Cost of funding earning assets | 0.5846% | 3,258 |
| Net interest margin | 3.9137% | 2,069 |
| Noninterest income to average assets | 3.4523% | 210 |
| Noninterest expense to average assets | 5.9488% | 214 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6473% | 3,976 |
| Return on assets (ROA) | 0.7245% | 3,703 |
| Pretax return on assets | 1.0649% | 3,090 |
| Return on Equity (ROE) | 6.4780% | 3,773 |
| Retained earnings to average equity (ytd only) | 6.4780% | 2,416 |
| Net charge-offs to loans | 1.2692% | 446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.0900% | 3,475 |
| Efficiency ratio | 86.2113% | 1,486 |
| Assets per employee ($millions) | 1.7807% | 6,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8881% | 6,289 |
| Loan loss allowance to noncurrent loans | 603.3333% | 731 |
| Noncurrent assets plus other real estate owned to assets | 1.9083% | 2,467 |
| Noncurrent loans to loans | 0.1472% | 6,029 |
| Net loans and leases to total assets | 65.4463% | 2,465 |
| Net loans and leases to deposits | 77.6913% | 2,383 |
| Net loans and leases to core deposits | 78.8016% | 2,956 |
| Total domestic deposits to total assets | 84.2389% | 4,375 |
| Equity capital to assets | 11.1108% | 2,835 |
| Core capital (leverage) ratio | 10.1779% | 3,172 |
| Tier 1 risk-based capital ratio | 15.1038% | 3,766 |
| Total risk-based capital ratio | 15.9883% | 3,975 |
| Memoranda: | ||
| Average total assets | $91,649,500 | 5,062 |
| Average earning assets | $80,741,500 | 5,129 |
| Average equity | $10,250,000 | 4,935 |
| Average total loans | $63,031,000 | 4,599 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8485% | 2,021 |
| Cost of funding earning assets | 0.7371% | 3,189 |
| Net interest margin | 4.1114% | 1,954 |
| Noninterest income to average assets | 3.5702% | 208 |
| Noninterest expense to average assets | 6.1860% | 207 |
| Loan and lease loss provision to assets | 1.1150% | 336 |
| Net operating income to assets | -0.0835% | 6,271 |
| Return on assets (ROA) | 0.1955% | 5,968 |
| Pretax return on assets | 0.2029% | 5,986 |
| Return on Equity (ROE) | 1.7980% | 5,962 |
| Retained earnings to average equity (ytd only) | 1.7980% | 4,955 |
| Net charge-offs to loans | 2.2799% | 293 |
| Credit loss provision to net charge-offs | 70.3803% | 4,147 |
| Earnings coverage of net charge-offs (x) | 0.6484% | 5,160 |
| Efficiency ratio | 85.7582% | 1,454 |
| Assets per employee ($millions) | 1.7114% | 6,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 5,366 |
| Loan loss allowance to noncurrent loans | 69.9623% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 2.2006% | 2,228 |
| Noncurrent loans to loans | 1.6359% | 3,171 |
| Net loans and leases to total assets | 70.7532% | 1,691 |
| Net loans and leases to deposits | 84.5768% | 1,685 |
| Net loans and leases to core deposits | 85.5315% | 2,373 |
| Total domestic deposits to total assets | 83.6556% | 4,470 |
| Equity capital to assets | 11.2586% | 2,675 |
| Core capital (leverage) ratio | 9.9735% | 3,438 |
| Tier 1 risk-based capital ratio | 14.1815% | 4,255 |
| Total risk-based capital ratio | 15.3373% | 4,273 |
| Memoranda: | ||
| Average total assets | $94,617,600 | 4,972 |
| Average earning assets | $83,839,800 | 5,021 |
| Average equity | $10,289,200 | 4,916 |
| Average total loans | $65,749,200 | 4,516 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8615% | 2,149 |
| Cost of funding earning assets | 0.7549% | 3,308 |
| Net interest margin | 4.1066% | 2,068 |
| Noninterest income to average assets | 3.4715% | 208 |
| Noninterest expense to average assets | 5.9764% | 212 |
| Loan and lease loss provision to assets | 0.8159% | 575 |
| Net operating income to assets | 0.2371% | 5,815 |
| Return on assets (ROA) | 0.5160% | 5,040 |
| Pretax return on assets | 0.7029% | 4,854 |
| Return on Equity (ROE) | 4.7856% | 4,924 |
| Retained earnings to average equity (ytd only) | 4.7856% | 3,526 |
| Net charge-offs to loans | 1.6414% | 507 |
| Credit loss provision to net charge-offs | 72.0443% | 3,852 |
| Earnings coverage of net charge-offs (x) | 1.0037% | 4,818 |
| Efficiency ratio | 84.0196% | 1,584 |
| Assets per employee ($millions) | 1.8628% | 7,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 4,279 |
| Loan loss allowance to noncurrent loans | 950.4950% | 450 |
| Noncurrent assets plus other real estate owned to assets | 1.2809% | 3,728 |
| Noncurrent loans to loans | 0.1496% | 6,235 |
| Net loans and leases to total assets | 71.4513% | 1,655 |
| Net loans and leases to deposits | 84.9750% | 1,730 |
| Net loans and leases to core deposits | 86.1855% | 2,437 |
| Total domestic deposits to total assets | 84.0851% | 4,177 |
| Equity capital to assets | 11.1865% | 3,053 |
| Core capital (leverage) ratio | 10.0271% | 3,502 |
| Tier 1 risk-based capital ratio | 14.8460% | 3,952 |
| Total risk-based capital ratio | 16.0995% | 3,905 |
| Memoranda: | ||
| Average total assets | $95,596,000 | 4,998 |
| Average earning assets | $84,772,750 | 5,050 |
| Average equity | $10,308,500 | 4,960 |
| Average total loans | $65,956,750 | 4,551 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8511% | 2,299 |
| Cost of funding earning assets | 0.7696% | 3,445 |
| Net interest margin | 4.0814% | 2,159 |
| Noninterest income to average assets | 3.0887% | 236 |
| Noninterest expense to average assets | 5.7253% | 243 |
| Loan and lease loss provision to assets | 1.2135% | 338 |
| Net operating income to assets | -0.2015% | 6,545 |
| Return on assets (ROA) | 0.2717% | 5,896 |
| Pretax return on assets | 0.2946% | 5,975 |
| Return on Equity (ROE) | 2.5507% | 5,860 |
| Retained earnings to average equity (ytd only) | 2.5507% | 4,910 |
| Net charge-offs to loans | 2.5734% | 268 |
| Credit loss provision to net charge-offs | 69.4774% | 3,574 |
| Earnings coverage of net charge-offs (x) | 0.5689% | 4,785 |
| Efficiency ratio | 85.2115% | 1,510 |
| Assets per employee ($millions) | 1.8715% | 7,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 4,415 |
| Loan loss allowance to noncurrent loans | 669.0647% | 580 |
| Noncurrent assets plus other real estate owned to assets | 1.2649% | 3,895 |
| Noncurrent loans to loans | 0.2110% | 6,160 |
| Net loans and leases to total assets | 66.7468% | 2,516 |
| Net loans and leases to deposits | 78.4820% | 2,600 |
| Net loans and leases to core deposits | 79.5372% | 3,282 |
| Total domestic deposits to total assets | 85.0473% | 3,832 |
| Equity capital to assets | 10.5138% | 3,670 |
| Core capital (leverage) ratio | 9.4602% | 4,196 |
| Tier 1 risk-based capital ratio | 13.7029% | 4,662 |
| Total risk-based capital ratio | 14.9554% | 4,634 |
| Memoranda: | ||
| Average total assets | $96,415,000 | 4,998 |
| Average earning assets | $85,754,330 | 5,056 |
| Average equity | $10,271,670 | 4,968 |
| Average total loans | $65,439,330 | 4,587 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9110% | 2,196 |
| Cost of funding earning assets | 0.7897% | 3,548 |
| Net interest margin | 4.1213% | 2,022 |
| Noninterest income to average assets | 2.8595% | 261 |
| Noninterest expense to average assets | 5.4104% | 281 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7961% | 3,394 |
| Return on assets (ROA) | 0.7961% | 3,636 |
| Pretax return on assets | 1.1254% | 3,219 |
| Return on Equity (ROE) | 7.4236% | 3,550 |
| Retained earnings to average equity (ytd only) | 7.4236% | 2,219 |
| Net charge-offs to loans | 0.2208% | 2,815 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,066 |
| Efficiency ratio | 82.7806% | 1,833 |
| Assets per employee ($millions) | 1.8204% | 7,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8124% | 2,954 |
| Loan loss allowance to noncurrent loans | 92.2276% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.4168% | 3,743 |
| Noncurrent loans to loans | 1.9651% | 3,204 |
| Net loans and leases to total assets | 64.6290% | 2,734 |
| Net loans and leases to deposits | 76.0949% | 2,783 |
| Net loans and leases to core deposits | 77.1265% | 3,453 |
| Total domestic deposits to total assets | 84.9321% | 4,076 |
| Equity capital to assets | 10.7739% | 3,182 |
| Core capital (leverage) ratio | 9.7083% | 3,757 |
| Tier 1 risk-based capital ratio | 14.2656% | 4,267 |
| Total risk-based capital ratio | 15.5222% | 4,236 |
| Memoranda: | ||
| Average total assets | $95,962,500 | 5,039 |
| Average earning assets | $85,603,500 | 5,097 |
| Average equity | $10,291,500 | 4,974 |
| Average total loans | $65,215,000 | 4,609 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3922% | 1,434 |
| Cost of funding earning assets | 1.0373% | 3,112 |
| Net interest margin | 4.3549% | 1,531 |
| Noninterest income to average assets | 2.5148% | 267 |
| Noninterest expense to average assets | 5.4823% | 267 |
| Loan and lease loss provision to assets | 0.3970% | 2,610 |
| Net operating income to assets | 0.6190% | 3,892 |
| Return on assets (ROA) | 0.7553% | 3,403 |
| Pretax return on assets | 0.6362% | 4,575 |
| Return on Equity (ROE) | 7.2389% | 3,288 |
| Retained earnings to average equity (ytd only) | 3.2801% | 3,892 |
| Net charge-offs to loans | 0.1201% | 5,183 |
| Credit loss provision to net charge-offs | 480.5195% | 469 |
| Earnings coverage of net charge-offs (x) | 10.8571% | 1,783 |
| Efficiency ratio | 85.9401% | 1,571 |
| Assets per employee ($millions) | 1.8354% | 7,206 |
| Cash dividends to net income (ytd only)* | 54.6875% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7737% | 2,953 |
| Loan loss allowance to noncurrent loans | 2,580.4348% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 6,518 |
| Noncurrent loans to loans | 0.0687% | 6,643 |
| Net loans and leases to total assets | 68.8753% | 2,236 |
| Net loans and leases to deposits | 81.1766% | 2,328 |
| Net loans and leases to core deposits | 82.2492% | 3,146 |
| Total domestic deposits to total assets | 84.8463% | 3,926 |
| Equity capital to assets | 10.6745% | 3,337 |
| Core capital (leverage) ratio | 9.4874% | 4,046 |
| Tier 1 risk-based capital ratio | 13.5547% | 4,658 |
| Total risk-based capital ratio | 14.8106% | 4,623 |
| Memoranda: | ||
| Average total assets | $93,209,000 | 5,092 |
| Average earning assets | $82,712,000 | 5,153 |
| Average equity | $9,725,200 | 5,093 |
| Average total loans | $64,127,400 | 4,709 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3917% | 1,539 |
| Cost of funding earning assets | 1.0965% | 3,002 |
| Net interest margin | 4.2952% | 1,737 |
| Noninterest income to average assets | 2.2305% | 320 |
| Noninterest expense to average assets | 5.3288% | 281 |
| Loan and lease loss provision to assets | 0.0288% | 6,078 |
| Net operating income to assets | 0.6557% | 3,843 |
| Return on assets (ROA) | 0.8246% | 3,212 |
| Pretax return on assets | 0.8519% | 3,943 |
| Return on Equity (ROE) | 7.9503% | 3,058 |
| Retained earnings to average equity (ytd only) | 2.6085% | 4,800 |
| Net charge-offs to loans | 0.0420% | 5,563 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 24.5463% | 1,073 |
| Efficiency ratio | 88.2928% | 1,322 |
| Assets per employee ($millions) | 1.8046% | 7,279 |
| Cash dividends to net income (ytd only)* | 67.1902% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 4,888 |
| Loan loss allowance to noncurrent loans | 178.0876% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.5552% | 5,722 |
| Noncurrent loans to loans | 0.7457% | 5,388 |
| Net loans and leases to total assets | 70.7889% | 1,931 |
| Net loans and leases to deposits | 83.5627% | 2,075 |
| Net loans and leases to core deposits | 84.9573% | 2,919 |
| Total domestic deposits to total assets | 84.7135% | 3,907 |
| Equity capital to assets | 10.7544% | 3,417 |
| Core capital (leverage) ratio | 10.3751% | 3,011 |
| Tier 1 risk-based capital ratio | 14.6088% | 3,898 |
| Total risk-based capital ratio | 15.8604% | 3,875 |
| Memoranda: | ||
| Average total assets | $92,650,750 | 5,146 |
| Average earning assets | $82,074,000 | 5,215 |
| Average equity | $9,609,500 | 5,151 |
| Average total loans | $63,428,500 | 4,779 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4206% | 1,505 |
| Cost of funding earning assets | 1.1458% | 2,925 |
| Net interest margin | 4.2748% | 1,749 |
| Noninterest income to average assets | 1.9706% | 365 |
| Noninterest expense to average assets | 5.2312% | 308 |
| Loan and lease loss provision to assets | 0.0434% | 5,772 |
| Net operating income to assets | 0.4653% | 4,657 |
| Return on assets (ROA) | 0.7198% | 3,558 |
| Pretax return on assets | 0.7436% | 4,236 |
| Return on Equity (ROE) | 7.0274% | 3,435 |
| Retained earnings to average equity (ytd only) | 5.5458% | 2,668 |
| Net charge-offs to loans | 0.7050% | 2,100 |
| Credit loss provision to net charge-offs | 9.1324% | 5,255 |
| Earnings coverage of net charge-offs (x) | 1.1050% | 4,449 |
| Efficiency ratio | 90.8851% | 1,176 |
| Assets per employee ($millions) | 1.7440% | 7,364 |
| Cash dividends to net income (ytd only)* | 21.0843% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 5,861 |
| Loan loss allowance to noncurrent loans | 1,579.5455% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 6,932 |
| Noncurrent loans to loans | 0.0710% | 6,803 |
| Net loans and leases to total assets | 66.2537% | 2,981 |
| Net loans and leases to deposits | 78.0015% | 3,120 |
| Net loans and leases to core deposits | 79.3159% | 3,881 |
| Total domestic deposits to total assets | 84.9390% | 3,902 |
| Equity capital to assets | 10.4705% | 3,546 |
| Core capital (leverage) ratio | 10.0557% | 3,195 |
| Tier 1 risk-based capital ratio | 14.1912% | 4,022 |
| Total risk-based capital ratio | 15.2411% | 4,149 |
| Memoranda: | ||
| Average total assets | $92,254,000 | 5,199 |
| Average earning assets | $81,688,670 | 5,275 |
| Average equity | $9,448,670 | 5,201 |
| Average total loans | $62,130,330 | 4,862 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3955% | 1,573 |
| Cost of funding earning assets | 1.1794% | 2,951 |
| Net interest margin | 4.2162% | 1,848 |
| Noninterest income to average assets | 1.6926% | 480 |
| Noninterest expense to average assets | 5.1820% | 313 |
| Loan and lease loss provision to assets | 0.0868% | 4,922 |
| Net operating income to assets | 0.1460% | 5,957 |
| Return on assets (ROA) | 0.6553% | 3,799 |
| Pretax return on assets | 0.6727% | 4,402 |
| Return on Equity (ROE) | 6.4710% | 3,639 |
| Retained earnings to average equity (ytd only) | 4.3283% | 3,575 |
| Net charge-offs to loans | -0.1286% | 7,154 |
| Credit loss provision to net charge-offs | -100.0000% | 5,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6731% | 938 |
| Assets per employee ($millions) | 1.7318% | 7,435 |
| Cash dividends to net income (ytd only)* | 33.1126% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 4,070 |
| Loan loss allowance to noncurrent loans | 1,583.0508% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 6,901 |
| Noncurrent loans to loans | 0.0965% | 6,803 |
| Net loans and leases to total assets | 64.3994% | 3,373 |
| Net loans and leases to deposits | 75.4274% | 3,510 |
| Net loans and leases to core deposits | 76.4306% | 4,246 |
| Total domestic deposits to total assets | 85.3793% | 3,846 |
| Equity capital to assets | 10.0761% | 3,676 |
| Core capital (leverage) ratio | 9.9221% | 3,243 |
| Tier 1 risk-based capital ratio | 14.2136% | 3,930 |
| Total risk-based capital ratio | 15.4653% | 3,898 |
| Memoranda: | ||
| Average total assets | $92,165,500 | 5,234 |
| Average earning assets | $81,400,500 | 5,317 |
| Average equity | $9,334,000 | 5,219 |
| Average total loans | $62,228,500 | 4,895 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5925% | 1,926 |
| Cost of funding earning assets | 1.4439% | 2,997 |
| Net interest margin | 4.1486% | 2,369 |
| Noninterest income to average assets | 2.0480% | 377 |
| Noninterest expense to average assets | 4.8852% | 462 |
| Loan and lease loss provision to assets | 0.4011% | 3,710 |
| Net operating income to assets | 0.7286% | 3,109 |
| Return on assets (ROA) | 0.7036% | 3,344 |
| Pretax return on assets | 0.3719% | 5,025 |
| Return on Equity (ROE) | 6.5978% | 3,301 |
| Retained earnings to average equity (ytd only) | -3.4260% | 6,149 |
| Net charge-offs to loans | 0.2615% | 4,729 |
| Credit loss provision to net charge-offs | 229.8137% | 1,281 |
| Earnings coverage of net charge-offs (x) | 4.5714% | 2,877 |
| Efficiency ratio | 85.9596% | 1,703 |
| Assets per employee ($millions) | 1.7806% | 7,494 |
| Cash dividends to net income (ytd only)* | 151.9260% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 4,455 |
| Loan loss allowance to noncurrent loans | 820.1835% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.3579% | 6,370 |
| Noncurrent loans to loans | 0.1722% | 6,723 |
| Net loans and leases to total assets | 68.7170% | 2,807 |
| Net loans and leases to deposits | 80.7683% | 3,030 |
| Net loans and leases to core deposits | 82.2935% | 3,866 |
| Total domestic deposits to total assets | 85.0792% | 3,813 |
| Equity capital to assets | 10.1803% | 3,521 |
| Core capital (leverage) ratio | 9.7520% | 3,372 |
| Tier 1 risk-based capital ratio | 14.4844% | 3,554 |
| Total risk-based capital ratio | 15.7359% | 3,510 |
| Memoranda: | ||
| Average total assets | $92,237,200 | 5,218 |
| Average earning assets | $80,823,000 | 5,313 |
| Average equity | $9,836,600 | 5,179 |
| Average total loans | $61,559,600 | 5,005 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5689% | 2,179 |
| Cost of funding earning assets | 1.4946% | 3,016 |
| Net interest margin | 4.0743% | 2,741 |
| Noninterest income to average assets | 1.9180% | 399 |
| Noninterest expense to average assets | 4.5834% | 546 |
| Loan and lease loss provision to assets | 0.1296% | 5,734 |
| Net operating income to assets | 0.7507% | 3,210 |
| Return on assets (ROA) | 0.7200% | 3,478 |
| Pretax return on assets | 0.7416% | 4,111 |
| Return on Equity (ROE) | 6.6768% | 3,498 |
| Retained earnings to average equity (ytd only) | 6.6768% | 2,000 |
| Net charge-offs to loans | 0.4668% | 3,420 |
| Credit loss provision to net charge-offs | 42.0561% | 5,993 |
| Earnings coverage of net charge-offs (x) | 2.9299% | 3,670 |
| Efficiency ratio | 83.5433% | 1,887 |
| Assets per employee ($millions) | 1.9680% | 7,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 6,851 |
| Loan loss allowance to noncurrent loans | 415.5556% | 718 |
| Noncurrent assets plus other real estate owned to assets | 1.4016% | 4,351 |
| Noncurrent loans to loans | 0.2082% | 6,764 |
| Net loans and leases to total assets | 68.0637% | 3,198 |
| Net loans and leases to deposits | 82.5353% | 3,005 |
| Net loans and leases to core deposits | 84.0743% | 3,921 |
| Total domestic deposits to total assets | 82.4662% | 4,813 |
| Equity capital to assets | 11.0350% | 2,928 |
| Core capital (leverage) ratio | 10.6766% | 2,530 |
| Tier 1 risk-based capital ratio | 15.4305% | 3,035 |
| Total risk-based capital ratio | 16.2988% | 3,218 |
| Memoranda: | ||
| Average total assets | $92,593,250 | 5,266 |
| Average earning assets | $81,091,500 | 5,371 |
| Average equity | $9,984,500 | 5,198 |
| Average total loans | $61,125,000 | 5,095 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6394% | 1,984 |
| Cost of funding earning assets | 1.5541% | 2,938 |
| Net interest margin | 4.0854% | 2,628 |
| Noninterest income to average assets | 1.5201% | 558 |
| Noninterest expense to average assets | 4.4754% | 591 |
| Loan and lease loss provision to assets | 0.1305% | 5,578 |
| Net operating income to assets | 0.4570% | 4,518 |
| Return on assets (ROA) | 0.3262% | 5,247 |
| Pretax return on assets | 0.3479% | 5,376 |
| Return on Equity (ROE) | 3.0494% | 5,197 |
| Retained earnings to average equity (ytd only) | 3.0494% | 4,166 |
| Net charge-offs to loans | 0.1804% | 4,526 |
| Credit loss provision to net charge-offs | 111.1111% | 3,644 |
| Earnings coverage of net charge-offs (x) | 5.2593% | 2,713 |
| Efficiency ratio | 87.8736% | 1,515 |
| Assets per employee ($millions) | 1.9495% | 7,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 5,737 |
| Loan loss allowance to noncurrent loans | 127.9630% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 1.5506% | 4,134 |
| Noncurrent loans to loans | 0.8919% | 5,487 |
| Net loans and leases to total assets | 63.9655% | 4,273 |
| Net loans and leases to deposits | 76.3794% | 4,263 |
| Net loans and leases to core deposits | 77.4006% | 5,037 |
| Total domestic deposits to total assets | 83.7471% | 4,230 |
| Equity capital to assets | 10.6426% | 3,228 |
| Core capital (leverage) ratio | 10.3105% | 2,813 |
| Tier 1 risk-based capital ratio | 15.1941% | 3,060 |
| Total risk-based capital ratio | 16.2855% | 3,109 |
| Memoranda: | ||
| Average total assets | $91,970,000 | 5,321 |
| Average earning assets | $80,433,670 | 5,422 |
| Average equity | $9,838,000 | 5,251 |
| Average total loans | $59,881,330 | 5,181 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6859% | 1,829 |
| Cost of funding earning assets | 1.5657% | 3,165 |
| Net interest margin | 4.1201% | 2,354 |
| Noninterest income to average assets | 1.3952% | 624 |
| Noninterest expense to average assets | 4.3437% | 683 |
| Loan and lease loss provision to assets | 0.1316% | 5,255 |
| Net operating income to assets | 0.4954% | 4,413 |
| Return on assets (ROA) | 0.4037% | 4,971 |
| Pretax return on assets | 0.4256% | 5,208 |
| Return on Equity (ROE) | 3.7637% | 5,001 |
| Retained earnings to average equity (ytd only) | 3.7637% | 3,891 |
| Net charge-offs to loans | -0.1075% | 7,532 |
| Credit loss provision to net charge-offs | -187.5000% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9183% | 1,696 |
| Assets per employee ($millions) | 1.9264% | 7,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 5,299 |
| Loan loss allowance to noncurrent loans | 174.8804% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 1.4924% | 4,270 |
| Noncurrent loans to loans | 0.7071% | 5,920 |
| Net loans and leases to total assets | 63.1408% | 4,503 |
| Net loans and leases to deposits | 75.4708% | 4,505 |
| Net loans and leases to core deposits | 76.4882% | 5,193 |
| Total domestic deposits to total assets | 83.6625% | 4,319 |
| Equity capital to assets | 10.6772% | 3,063 |
| Core capital (leverage) ratio | 10.4220% | 2,700 |
| Tier 1 risk-based capital ratio | 14.9295% | 3,139 |
| Total risk-based capital ratio | 16.0710% | 3,156 |
| Memoranda: | ||
| Average total assets | $91,166,500 | 5,418 |
| Average earning assets | $79,706,500 | 5,517 |
| Average equity | $9,777,500 | 5,300 |
| Average total loans | $59,548,000 | 5,269 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0585% | 1,644 |
| Cost of funding earning assets | 1.7511% | 4,242 |
| Net interest margin | 4.3074% | 1,697 |
| Noninterest income to average assets | 1.0409% | 1,433 |
| Noninterest expense to average assets | 4.1875% | 1,112 |
| Loan and lease loss provision to assets | 0.5482% | 3,627 |
| Net operating income to assets | 0.1654% | 5,009 |
| Return on assets (ROA) | 0.1223% | 5,195 |
| Pretax return on assets | 0.0068% | 5,428 |
| Return on Equity (ROE) | 1.1632% | 5,182 |
| Retained earnings to average equity (ytd only) | 1.1632% | 4,230 |
| Net charge-offs to loans | 1.1346% | 2,156 |
| Credit loss provision to net charge-offs | 75.6250% | 6,378 |
| Earnings coverage of net charge-offs (x) | 0.8250% | 5,288 |
| Efficiency ratio | 87.5030% | 1,928 |
| Assets per employee ($millions) | 1.9970% | 7,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 5,678 |
| Loan loss allowance to noncurrent loans | 208.2067% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 1.6124% | 3,955 |
| Noncurrent loans to loans | 0.5485% | 6,143 |
| Net loans and leases to total assets | 65.9823% | 4,153 |
| Net loans and leases to deposits | 79.0115% | 4,168 |
| Net loans and leases to core deposits | 97.6757% | 4,261 |
| Total domestic deposits to total assets | 83.5097% | 4,277 |
| Equity capital to assets | 10.7739% | 2,895 |
| Core capital (leverage) ratio | 10.6569% | 2,468 |
| Tier 1 risk-based capital ratio | 14.8771% | 3,013 |
| Total risk-based capital ratio | 15.9532% | 3,052 |
| Memoranda: | ||
| Average total assets | $88,286,200 | 5,438 |
| Average earning assets | $76,751,800 | 5,570 |
| Average equity | $9,284,600 | 5,513 |
| Average total loans | $56,406,000 | 5,403 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0742% | 1,746 |
| Cost of funding earning assets | 1.8113% | 4,337 |
| Net interest margin | 4.2630% | 1,831 |
| Noninterest income to average assets | 0.9345% | 1,839 |
| Noninterest expense to average assets | 4.0337% | 1,235 |
| Loan and lease loss provision to assets | 0.1820% | 5,545 |
| Net operating income to assets | 0.4153% | 4,339 |
| Return on assets (ROA) | 0.3959% | 4,515 |
| Pretax return on assets | 0.4050% | 4,791 |
| Return on Equity (ROE) | 3.7886% | 4,460 |
| Retained earnings to average equity (ytd only) | 3.7886% | 3,171 |
| Net charge-offs to loans | 1.4507% | 1,425 |
| Credit loss provision to net charge-offs | 19.8675% | 6,576 |
| Earnings coverage of net charge-offs (x) | 0.6623% | 5,368 |
| Efficiency ratio | 86.9238% | 1,972 |
| Assets per employee ($millions) | 2.0640% | 7,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6205% | 7,546 |
| Loan loss allowance to noncurrent loans | 92.0103% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 1.6831% | 3,854 |
| Noncurrent loans to loans | 0.6744% | 5,954 |
| Net loans and leases to total assets | 65.9541% | 4,440 |
| Net loans and leases to deposits | 79.8651% | 4,409 |
| Net loans and leases to core deposits | 97.9526% | 4,608 |
| Total domestic deposits to total assets | 82.5820% | 4,407 |
| Equity capital to assets | 11.4194% | 2,657 |
| Core capital (leverage) ratio | 11.0158% | 2,393 |
| Tier 1 risk-based capital ratio | 15.3536% | 2,895 |
| Total risk-based capital ratio | 15.9232% | 3,137 |
| Memoranda: | ||
| Average total assets | $87,891,500 | 5,483 |
| Average earning assets | $76,408,250 | 5,617 |
| Average equity | $9,185,250 | 5,600 |
| Average total loans | $55,512,500 | 5,483 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0748% | 1,880 |
| Cost of funding earning assets | 1.8910% | 4,310 |
| Net interest margin | 4.1837% | 2,049 |
| Noninterest income to average assets | 0.9219% | 1,887 |
| Noninterest expense to average assets | 3.9301% | 1,431 |
| Loan and lease loss provision to assets | 0.2039% | 5,014 |
| Net operating income to assets | 0.4117% | 4,465 |
| Return on assets (ROA) | 0.3828% | 4,677 |
| Pretax return on assets | 0.3919% | 4,959 |
| Return on Equity (ROE) | 3.7777% | 4,588 |
| Retained earnings to average equity (ytd only) | 3.7777% | 3,195 |
| Net charge-offs to loans | 1.1962% | 1,532 |
| Credit loss provision to net charge-offs | 27.4390% | 6,059 |
| Earnings coverage of net charge-offs (x) | 0.8415% | 4,908 |
| Efficiency ratio | 86.2755% | 2,203 |
| Assets per employee ($millions) | 1.9917% | 7,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 5,510 |
| Loan loss allowance to noncurrent loans | 79.5515% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 2.1556% | 2,992 |
| Noncurrent loans to loans | 1.3982% | 4,414 |
| Net loans and leases to total assets | 61.1726% | 5,489 |
| Net loans and leases to deposits | 73.5172% | 5,532 |
| Net loans and leases to core deposits | 90.4944% | 5,495 |
| Total domestic deposits to total assets | 83.2086% | 4,146 |
| Equity capital to assets | 10.8714% | 3,044 |
| Core capital (leverage) ratio | 10.6889% | 2,675 |
| Tier 1 risk-based capital ratio | 15.5087% | 2,807 |
| Total risk-based capital ratio | 16.4898% | 2,846 |
| Memoranda: | ||
| Average total assets | $88,293,330 | 5,523 |
| Average earning assets | $76,677,670 | 5,647 |
| Average equity | $8,947,330 | 5,701 |
| Average total loans | $54,840,000 | 5,565 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1717% | 1,685 |
| Cost of funding earning assets | 1.9897% | 4,184 |
| Net interest margin | 4.1820% | 1,969 |
| Noninterest income to average assets | 0.9162% | 1,790 |
| Noninterest expense to average assets | 4.0531% | 1,125 |
| Loan and lease loss provision to assets | 0.0903% | 5,808 |
| Net operating income to assets | 0.4017% | 4,851 |
| Return on assets (ROA) | 0.9117% | 2,795 |
| Pretax return on assets | 0.9162% | 3,658 |
| Return on Equity (ROE) | 9.3329% | 2,599 |
| Retained earnings to average equity (ytd only) | 9.3329% | 1,393 |
| Net charge-offs to loans | 0.9428% | 1,404 |
| Credit loss provision to net charge-offs | 15.3846% | 5,137 |
| Earnings coverage of net charge-offs (x) | 0.8462% | 4,347 |
| Efficiency ratio | 89.0873% | 1,803 |
| Assets per employee ($millions) | 2.0533% | 7,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 3,892 |
| Loan loss allowance to noncurrent loans | 102.8129% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 2.1351% | 2,696 |
| Noncurrent loans to loans | 1.2975% | 4,382 |
| Net loans and leases to total assets | 59.8437% | 5,682 |
| Net loans and leases to deposits | 71.9320% | 5,754 |
| Net loans and leases to core deposits | 88.7975% | 5,670 |
| Total domestic deposits to total assets | 83.1948% | 4,053 |
| Equity capital to assets | 10.6113% | 3,360 |
| Core capital (leverage) ratio | 10.7101% | 2,728 |
| Tier 1 risk-based capital ratio | 14.8960% | 3,118 |
| Total risk-based capital ratio | 16.0346% | 3,094 |
| Memoranda: | ||
| Average total assets | $88,623,000 | 5,537 |
| Average earning assets | $76,996,000 | 5,656 |
| Average equity | $8,657,500 | 5,828 |
| Average total loans | $55,154,500 | 5,585 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8544% | 1,524 |
| Cost of funding earning assets | 2.5690% | 3,857 |
| Net interest margin | 4.2854% | 2,032 |
| Noninterest income to average assets | 0.7997% | 2,515 |
| Noninterest expense to average assets | 4.8592% | 682 |
| Loan and lease loss provision to assets | 0.2215% | 4,671 |
| Net operating income to assets | -0.3964% | 6,822 |
| Return on assets (ROA) | -1.9572% | 7,556 |
| Pretax return on assets | -2.8023% | 7,660 |
| Return on Equity (ROE) | -20.1795% | 7,760 |
| Retained earnings to average equity (ytd only) | -20.5564% | 7,695 |
| Net charge-offs to loans | 1.0630% | 1,154 |
| Credit loss provision to net charge-offs | 36.6972% | 6,476 |
| Earnings coverage of net charge-offs (x) | -0.5817% | 6,506 |
| Efficiency ratio | 107.7887% | 762 |
| Assets per employee ($millions) | 2.3486% | 7,488 |
| Cash dividends to net income (ytd only)* | -1.8676% | 7,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 2,606 |
| Loan loss allowance to noncurrent loans | 100.3580% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 2.3579% | 2,060 |
| Noncurrent loans to loans | 1.5096% | 3,527 |
| Net loans and leases to total assets | 62.9121% | 5,472 |
| Net loans and leases to deposits | 72.3742% | 6,014 |
| Net loans and leases to core deposits | 89.0986% | 5,881 |
| Total domestic deposits to total assets | 86.9262% | 1,972 |
| Equity capital to assets | 8.8931% | 5,512 |
| Core capital (leverage) ratio | 8.8711% | 4,932 |
| Tier 1 risk-based capital ratio | 12.2788% | 4,602 |
| Total risk-based capital ratio | 13.5303% | 4,486 |
| Memoranda: | ||
| Average total assets | $90,282,800 | 5,344 |
| Average earning assets | $78,125,000 | 5,492 |
| Average equity | $8,756,400 | 5,827 |
| Average total loans | $51,269,600 | 5,656 |