Home > Putnam 1st Mercantile Bank > Performance and Condition Ratios
Putnam 1st Mercantile 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 | 5.4209% | 1,276 |
| Cost of funding earning assets | 1.8837% | 1,100 |
| Net interest margin | 3.5371% | 2,099 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.4054% | 2,575 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 1.0713% | 2,007 |
| Return on assets (ROA) | 1.0713% | 1,973 |
| Pretax return on assets | 1.1458% | 2,276 |
| Return on Equity (ROE) | 13.4900% | 1,604 |
| Retained earnings to average equity (ytd only) | 6.2363% | 2,158 |
| Net charge-offs to loans | 0.0983% | 919 |
| Credit loss provision to net charge-offs | 324.3243% | 904 |
| Earnings coverage of net charge-offs (x) | 18.4775% | 1,933 |
| Efficiency ratio | 63.3815% | 2,685 |
| Assets per employee ($millions) | 5.9674% | 2,852 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4924% | 1,078 |
| Loan loss allowance to noncurrent loans | 415.6250% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 1,830 |
| Noncurrent loans to loans | 0.3591% | 1,909 |
| Net loans and leases to total assets | 76.5000% | 1,053 |
| Net loans and leases to deposits | 84.7742% | 1,704 |
| Net loans and leases to core deposits | 107.3806% | 1,055 |
| Total domestic deposits to total assets | 90.2400% | 700 |
| Equity capital to assets | 8.3930% | 3,127 |
| Core capital (leverage) ratio | 12.3711% | 1,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $147,582,000 | 3,388 |
| Average earning assets | $141,951,000 | 3,324 |
| Average equity | $11,721,600 | 3,553 |
| Average total loans | $112,967,800 | 3,018 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2756% | 1,318 |
| Cost of funding earning assets | 1.7146% | 1,159 |
| Net interest margin | 3.5610% | 2,083 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.3408% | 2,674 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 1.1623% | 1,896 |
| Return on assets (ROA) | 1.1623% | 1,880 |
| Pretax return on assets | 1.2438% | 2,189 |
| Return on Equity (ROE) | 14.8500% | 1,477 |
| Retained earnings to average equity (ytd only) | 7.3251% | 2,191 |
| Net charge-offs to loans | 0.0879% | 860 |
| Credit loss provision to net charge-offs | 364.8649% | 769 |
| Earnings coverage of net charge-offs (x) | 22.2027% | 1,763 |
| Efficiency ratio | 61.1308% | 2,830 |
| Assets per employee ($millions) | 5.7159% | 3,003 |
| Cash dividends to net income (ytd only)* | 50.6625% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 1,187 |
| Loan loss allowance to noncurrent loans | 247.5628% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.4738% | 1,226 |
| Noncurrent loans to loans | 0.5950% | 1,347 |
| Net loans and leases to total assets | 78.4500% | 827 |
| Net loans and leases to deposits | 87.2217% | 1,457 |
| Net loans and leases to core deposits | 103.0955% | 1,161 |
| Total domestic deposits to total assets | 89.9500% | 951 |
| Equity capital to assets | 7.6782% | 3,255 |
| Core capital (leverage) ratio | 12.4918% | 1,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $147,181,500 | 3,399 |
| Average earning assets | $141,604,500 | 3,333 |
| Average equity | $11,521,750 | 3,572 |
| Average total loans | $112,246,750 | 3,035 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1100% | 1,353 |
| Cost of funding earning assets | 1.5070% | 1,226 |
| Net interest margin | 3.6030% | 2,033 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.3229% | 2,733 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 1.2180% | 1,784 |
| Return on assets (ROA) | 1.2180% | 1,770 |
| Pretax return on assets | 1.3027% | 2,076 |
| Return on Equity (ROE) | 15.4600% | 1,374 |
| Retained earnings to average equity (ytd only) | 7.7745% | 2,046 |
| Net charge-offs to loans | 0.0358% | 1,187 |
| Credit loss provision to net charge-offs | 900.0000% | 440 |
| Earnings coverage of net charge-offs (x) | 57.4000% | 1,215 |
| Efficiency ratio | 60.0557% | 2,954 |
| Assets per employee ($millions) | 5.9716% | 2,730 |
| Cash dividends to net income (ytd only)* | 49.7238% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 1,220 |
| Loan loss allowance to noncurrent loans | 476.7442% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 2,031 |
| Noncurrent loans to loans | 0.3119% | 2,024 |
| Net loans and leases to total assets | 72.7900% | 1,438 |
| Net loans and leases to deposits | 80.0131% | 1,979 |
| Net loans and leases to core deposits | 96.3546% | 1,448 |
| Total domestic deposits to total assets | 90.9700% | 659 |
| Equity capital to assets | 8.0327% | 3,190 |
| Core capital (leverage) ratio | 12.0964% | 1,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $148,609,333 | 3,391 |
| Average earning assets | $142,936,667 | 3,333 |
| Average equity | $11,705,000 | 3,567 |
| Average total loans | $111,735,000 | 3,039 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0083% | 1,216 |
| Cost of funding earning assets | 1.2289% | 1,383 |
| Net interest margin | 3.7794% | 1,728 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.3282% | 2,736 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 1.4244% | 1,339 |
| Return on assets (ROA) | 1.4244% | 1,313 |
| Pretax return on assets | 1.5189% | 1,630 |
| Return on Equity (ROE) | 18.2700% | 992 |
| Retained earnings to average equity (ytd only) | 9.6181% | 1,787 |
| Net charge-offs to loans | 0.0107% | 1,539 |
| Credit loss provision to net charge-offs | 3,000.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 217.6667% | 481 |
| Efficiency ratio | 56.9261% | 3,309 |
| Assets per employee ($millions) | 6.1181% | 2,663 |
| Cash dividends to net income (ytd only)* | 47.3485% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4131% | 1,572 |
| Loan loss allowance to noncurrent loans | 538.4880% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 2,150 |
| Noncurrent loans to loans | 0.2624% | 2,207 |
| Net loans and leases to total assets | 74.4500% | 1,139 |
| Net loans and leases to deposits | 81.7687% | 1,674 |
| Net loans and leases to core deposits | 102.6680% | 979 |
| Total domestic deposits to total assets | 91.0500% | 784 |
| Equity capital to assets | 8.0349% | 3,217 |
| Core capital (leverage) ratio | 11.9186% | 1,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $148,269,000 | 3,446 |
| Average earning assets | $142,564,000 | 3,380 |
| Average equity | $11,561,500 | 3,613 |
| Average total loans | $112,452,000 | 3,071 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4152% | 854 |
| Cost of funding earning assets | 0.4905% | 1,461 |
| Net interest margin | 3.9247% | 909 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.2374% | 2,926 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.6725% | 570 |
| Return on assets (ROA) | 1.6725% | 544 |
| Pretax return on assets | 1.7890% | 757 |
| Return on Equity (ROE) | 20.0900% | 470 |
| Retained earnings to average equity (ytd only) | 11.2988% | 826 |
| Net charge-offs to loans | 0.2710% | 288 |
| Credit loss provision to net charge-offs | 96.5517% | 1,587 |
| Earnings coverage of net charge-offs (x) | 10.2379% | 2,197 |
| Efficiency ratio | 53.1112% | 3,869 |
| Assets per employee ($millions) | 5.9881% | 2,778 |
| Cash dividends to net income (ytd only)* | 43.7550% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 1,899 |
| Loan loss allowance to noncurrent loans | 471.3376% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 962 |
| Noncurrent loans to loans | 0.2754% | 2,169 |
| Net loans and leases to total assets | 75.1700% | 1,112 |
| Net loans and leases to deposits | 81.7791% | 1,635 |
| Net loans and leases to core deposits | 99.6467% | 1,022 |
| Total domestic deposits to total assets | 91.9200% | 663 |
| Equity capital to assets | 7.5650% | 3,346 |
| Core capital (leverage) ratio | 12.0042% | 1,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $150,311,200 | 3,437 |
| Average earning assets | $144,750,600 | 3,380 |
| Average equity | $12,514,600 | 3,617 |
| Average total loans | $106,993,600 | 3,058 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 729 |
| Cost of funding earning assets | 0.3578% | 1,641 |
| Net interest margin | 3.9447% | 712 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.2277% | 2,852 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 1.7138% | 513 |
| Return on assets (ROA) | 1.7138% | 501 |
| Pretax return on assets | 1.8325% | 685 |
| Return on Equity (ROE) | 20.1300% | 425 |
| Retained earnings to average equity (ytd only) | 12.3215% | 723 |
| Net charge-offs to loans | 0.3649% | 171 |
| Credit loss provision to net charge-offs | 76.3889% | 1,431 |
| Earnings coverage of net charge-offs (x) | 7.9444% | 2,058 |
| Efficiency ratio | 52.3532% | 3,980 |
| Assets per employee ($millions) | 5.4959% | 3,224 |
| Cash dividends to net income (ytd only)* | 38.7797% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 2,081 |
| Loan loss allowance to noncurrent loans | 390.6593% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.5851% | 903 |
| Noncurrent loans to loans | 0.3301% | 2,045 |
| Net loans and leases to total assets | 76.1700% | 897 |
| Net loans and leases to deposits | 83.2120% | 1,353 |
| Net loans and leases to core deposits | 97.5942% | 919 |
| Total domestic deposits to total assets | 91.5300% | 1,039 |
| Equity capital to assets | 7.3258% | 3,314 |
| Core capital (leverage) ratio | 11.5979% | 1,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $150,463,250 | 3,462 |
| Average earning assets | $144,969,000 | 3,403 |
| Average equity | $12,812,000 | 3,631 |
| Average total loans | $105,238,750 | 3,092 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0852% | 793 |
| Cost of funding earning assets | 0.3725% | 1,098 |
| Net interest margin | 3.7127% | 892 |
| Noninterest income to average assets | 0.4942% | 2,234 |
| Noninterest expense to average assets | 2.1767% | 2,928 |
| Loan and lease loss provision to assets | 0.1569% | 599 |
| Net operating income to assets | 1.6302% | 511 |
| Return on assets (ROA) | 1.6302% | 501 |
| Pretax return on assets | 1.7439% | 685 |
| Return on Equity (ROE) | 18.3472% | 430 |
| Retained earnings to average equity (ytd only) | 12.4620% | 539 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3825% | 4,017 |
| Assets per employee ($millions) | 5.8160% | 2,902 |
| Cash dividends to net income (ytd only)* | 32.0770% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 1,447 |
| Loan loss allowance to noncurrent loans | 130.5758% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.8154% | 638 |
| Noncurrent loans to loans | 1.1392% | 713 |
| Net loans and leases to total assets | 70.5115% | 1,251 |
| Net loans and leases to deposits | 76.9671% | 1,614 |
| Net loans and leases to core deposits | 85.9275% | 1,342 |
| Total domestic deposits to total assets | 91.6126% | 1,001 |
| Equity capital to assets | 7.9284% | 3,175 |
| Core capital (leverage) ratio | 11.0735% | 1,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,986,667 | 3,473 |
| Average earning assets | $147,655,667 | 3,419 |
| Average equity | $13,593,333 | 3,623 |
| Average total loans | $103,565,000 | 3,139 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9413% | 863 |
| Cost of funding earning assets | 0.4361% | 703 |
| Net interest margin | 3.5052% | 1,083 |
| Noninterest income to average assets | 0.3691% | 2,877 |
| Noninterest expense to average assets | 2.1524% | 2,970 |
| Loan and lease loss provision to assets | 0.1560% | 499 |
| Net operating income to assets | 1.3518% | 897 |
| Return on assets (ROA) | 1.3518% | 885 |
| Pretax return on assets | 1.4454% | 1,143 |
| Return on Equity (ROE) | 14.4490% | 744 |
| Retained earnings to average equity (ytd only) | 8.8917% | 1,297 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3407% | 3,750 |
| Assets per employee ($millions) | 5.7886% | 3,017 |
| Cash dividends to net income (ytd only)* | 38.4615% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,550 |
| Loan loss allowance to noncurrent loans | 274.8227% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.6804% | 846 |
| Noncurrent loans to loans | 0.5458% | 1,674 |
| Net loans and leases to total assets | 67.6347% | 1,251 |
| Net loans and leases to deposits | 74.3927% | 1,567 |
| Net loans and leases to core deposits | 82.4716% | 1,326 |
| Total domestic deposits to total assets | 90.9159% | 1,079 |
| Equity capital to assets | 8.7825% | 2,896 |
| Core capital (leverage) ratio | 10.5972% | 1,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,872,500 | 3,478 |
| Average earning assets | $148,580,500 | 3,422 |
| Average equity | $14,395,500 | 3,617 |
| Average total loans | $101,230,500 | 3,166 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1907% | 1,008 |
| Cost of funding earning assets | 0.7017% | 322 |
| Net interest margin | 3.4890% | 1,771 |
| Noninterest income to average assets | 0.4050% | 3,022 |
| Noninterest expense to average assets | 2.1288% | 3,309 |
| Loan and lease loss provision to assets | 0.1995% | 543 |
| Net operating income to assets | 1.3494% | 1,445 |
| Return on assets (ROA) | 1.3494% | 1,482 |
| Pretax return on assets | 1.4431% | 1,903 |
| Return on Equity (ROE) | 13.0563% | 1,445 |
| Retained earnings to average equity (ytd only) | 4.0475% | 3,204 |
| Net charge-offs to loans | 0.0609% | 1,170 |
| Credit loss provision to net charge-offs | 491.8033% | 812 |
| Earnings coverage of net charge-offs (x) | 40.4918% | 1,433 |
| Efficiency ratio | 56.4451% | 3,651 |
| Assets per employee ($millions) | 6.0477% | 2,717 |
| Cash dividends to net income (ytd only)* | 68.9995% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 1,540 |
| Loan loss allowance to noncurrent loans | 2,759.2593% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 1,928 |
| Noncurrent loans to loans | 0.0545% | 3,688 |
| Net loans and leases to total assets | 62.0881% | 1,930 |
| Net loans and leases to deposits | 69.2019% | 2,204 |
| Net loans and leases to core deposits | 77.7336% | 1,784 |
| Total domestic deposits to total assets | 89.7202% | 1,100 |
| Equity capital to assets | 9.9039% | 2,747 |
| Core capital (leverage) ratio | 10.2262% | 2,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,367,800 | 3,479 |
| Average earning assets | $145,083,600 | 3,424 |
| Average equity | $15,540,400 | 3,580 |
| Average total loans | $100,124,400 | 3,196 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2653% | 1,013 |
| Cost of funding earning assets | 0.7379% | 327 |
| Net interest margin | 3.5274% | 1,791 |
| Noninterest income to average assets | 0.4090% | 3,041 |
| Noninterest expense to average assets | 2.1338% | 3,267 |
| Loan and lease loss provision to assets | 0.2153% | 460 |
| Net operating income to assets | 1.3651% | 1,642 |
| Return on assets (ROA) | 1.3651% | 1,697 |
| Pretax return on assets | 1.4602% | 2,110 |
| Return on Equity (ROE) | 13.0650% | 1,673 |
| Retained earnings to average equity (ytd only) | 4.0517% | 3,562 |
| Net charge-offs to loans | 0.0611% | 1,028 |
| Credit loss provision to net charge-offs | 521.7391% | 743 |
| Earnings coverage of net charge-offs (x) | 40.6087% | 1,360 |
| Efficiency ratio | 56.0160% | 3,529 |
| Assets per employee ($millions) | 6.0474% | 2,645 |
| Cash dividends to net income (ytd only)* | 68.9882% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 1,739 |
| Loan loss allowance to noncurrent loans | 257.5758% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.6494% | 1,161 |
| Noncurrent loans to loans | 0.5713% | 1,881 |
| Net loans and leases to total assets | 61.5348% | 2,073 |
| Net loans and leases to deposits | 68.6678% | 2,377 |
| Net loans and leases to core deposits | 77.3004% | 1,935 |
| Total domestic deposits to total assets | 89.6122% | 959 |
| Equity capital to assets | 9.9254% | 2,972 |
| Core capital (leverage) ratio | 10.4216% | 2,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,649,500 | 3,525 |
| Average earning assets | $143,293,500 | 3,476 |
| Average equity | $15,532,250 | 3,627 |
| Average total loans | $100,376,000 | 3,231 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2671% | 1,061 |
| Cost of funding earning assets | 0.7760% | 324 |
| Net interest margin | 3.4911% | 1,880 |
| Noninterest income to average assets | 0.4129% | 3,047 |
| Noninterest expense to average assets | 2.1566% | 3,219 |
| Loan and lease loss provision to assets | 0.2195% | 483 |
| Net operating income to assets | 1.3101% | 1,834 |
| Return on assets (ROA) | 1.3101% | 1,905 |
| Pretax return on assets | 1.4007% | 2,340 |
| Return on Equity (ROE) | 12.3165% | 1,942 |
| Retained earnings to average equity (ytd only) | 3.2887% | 3,744 |
| Net charge-offs to loans | 0.0791% | 877 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | 29.5250% | 1,317 |
| Efficiency ratio | 57.1013% | 3,392 |
| Assets per employee ($millions) | 5.9310% | 2,688 |
| Cash dividends to net income (ytd only)* | 73.2984% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 1,846 |
| Loan loss allowance to noncurrent loans | 255.3073% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 1,231 |
| Noncurrent loans to loans | 0.5610% | 1,995 |
| Net loans and leases to total assets | 63.6342% | 1,988 |
| Net loans and leases to deposits | 71.5012% | 2,255 |
| Net loans and leases to core deposits | 80.4634% | 1,852 |
| Total domestic deposits to total assets | 88.9974% | 1,284 |
| Equity capital to assets | 10.4314% | 2,456 |
| Core capital (leverage) ratio | 10.6016% | 1,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,788,333 | 3,568 |
| Average earning assets | $140,469,667 | 3,509 |
| Average equity | $15,507,667 | 3,631 |
| Average total loans | $101,102,000 | 3,239 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3439% | 976 |
| Cost of funding earning assets | 0.8251% | 313 |
| Net interest margin | 3.5188% | 1,779 |
| Noninterest income to average assets | 0.4317% | 2,921 |
| Noninterest expense to average assets | 2.2028% | 3,106 |
| Loan and lease loss provision to assets | 0.2214% | 523 |
| Net operating income to assets | 1.3034% | 1,813 |
| Return on assets (ROA) | 1.3034% | 1,896 |
| Pretax return on assets | 1.3947% | 2,298 |
| Return on Equity (ROE) | 12.1329% | 1,969 |
| Retained earnings to average equity (ytd only) | 12.1329% | 1,114 |
| Net charge-offs to loans | -0.0732% | 4,536 |
| Credit loss provision to net charge-offs | -421.0526% | 3,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6812% | 3,350 |
| Assets per employee ($millions) | 6.3087% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 2,449 |
| Loan loss allowance to noncurrent loans | 412.8440% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 1,749 |
| Noncurrent loans to loans | 0.3142% | 2,976 |
| Net loans and leases to total assets | 70.7864% | 1,181 |
| Net loans and leases to deposits | 79.7532% | 1,544 |
| Net loans and leases to core deposits | 90.0018% | 1,232 |
| Total domestic deposits to total assets | 88.7567% | 1,463 |
| Equity capital to assets | 10.7181% | 2,066 |
| Core capital (leverage) ratio | 10.9748% | 1,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,545,500 | 3,580 |
| Average earning assets | $139,137,000 | 3,525 |
| Average equity | $15,528,000 | 3,632 |
| Average total loans | $103,791,000 | 3,212 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7572% | 790 |
| Cost of funding earning assets | 1.0883% | 419 |
| Net interest margin | 3.6689% | 1,915 |
| Noninterest income to average assets | 0.4307% | 2,956 |
| Noninterest expense to average assets | 2.2143% | 3,638 |
| Loan and lease loss provision to assets | 0.2263% | 1,728 |
| Net operating income to assets | 1.4253% | 963 |
| Return on assets (ROA) | 1.4572% | 987 |
| Pretax return on assets | 1.5587% | 1,170 |
| Return on Equity (ROE) | 13.1361% | 1,009 |
| Retained earnings to average equity (ytd only) | 3.9224% | 2,863 |
| Net charge-offs to loans | 0.3013% | 577 |
| Credit loss provision to net charge-offs | 101.6393% | 2,797 |
| Earnings coverage of net charge-offs (x) | 7.8623% | 2,657 |
| Efficiency ratio | 55.8461% | 4,002 |
| Assets per employee ($millions) | 5.7596% | 2,570 |
| Cash dividends to net income (ytd only)* | 70.1403% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 2,897 |
| Loan loss allowance to noncurrent loans | 193.0556% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.7695% | 1,337 |
| Noncurrent loans to loans | 0.6260% | 2,128 |
| Net loans and leases to total assets | 71.0253% | 1,421 |
| Net loans and leases to deposits | 80.0172% | 1,864 |
| Net loans and leases to core deposits | 90.5341% | 1,489 |
| Total domestic deposits to total assets | 88.7625% | 1,087 |
| Equity capital to assets | 10.7673% | 2,460 |
| Core capital (leverage) ratio | 10.6158% | 2,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,971,200 | 3,547 |
| Average earning assets | $131,948,600 | 3,484 |
| Average equity | $15,194,800 | 3,635 |
| Average total loans | $101,217,800 | 3,210 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7552% | 957 |
| Cost of funding earning assets | 1.1437% | 451 |
| Net interest margin | 3.6114% | 2,234 |
| Noninterest income to average assets | 0.4319% | 2,926 |
| Noninterest expense to average assets | 2.2413% | 3,573 |
| Loan and lease loss provision to assets | 0.2167% | 1,855 |
| Net operating income to assets | 1.3578% | 1,207 |
| Return on assets (ROA) | 1.3578% | 1,311 |
| Pretax return on assets | 1.4515% | 1,571 |
| Return on Equity (ROE) | 12.1446% | 1,331 |
| Retained earnings to average equity (ytd only) | 2.8840% | 3,562 |
| Net charge-offs to loans | 0.1298% | 1,103 |
| Credit loss provision to net charge-offs | 224.4898% | 2,019 |
| Earnings coverage of net charge-offs (x) | 17.2653% | 2,026 |
| Efficiency ratio | 57.3266% | 3,758 |
| Assets per employee ($millions) | 5.7697% | 2,481 |
| Cash dividends to net income (ytd only)* | 76.2527% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 2,160 |
| Loan loss allowance to noncurrent loans | 147.4138% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 1,772 |
| Noncurrent loans to loans | 0.8811% | 1,696 |
| Net loans and leases to total assets | 72.0721% | 1,654 |
| Net loans and leases to deposits | 81.2700% | 2,171 |
| Net loans and leases to core deposits | 92.4096% | 1,757 |
| Total domestic deposits to total assets | 88.6823% | 903 |
| Equity capital to assets | 10.6570% | 2,664 |
| Core capital (leverage) ratio | 10.4887% | 2,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,216,250 | 3,559 |
| Average earning assets | $130,212,250 | 3,498 |
| Average equity | $15,117,500 | 3,644 |
| Average total loans | $100,642,000 | 3,227 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9061% | 963 |
| Cost of funding earning assets | 1.2053% | 494 |
| Net interest margin | 3.7008% | 2,161 |
| Noninterest income to average assets | 0.3858% | 3,169 |
| Noninterest expense to average assets | 2.2707% | 3,599 |
| Loan and lease loss provision to assets | 0.1967% | 2,075 |
| Net operating income to assets | 1.3857% | 1,146 |
| Return on assets (ROA) | 1.3857% | 1,238 |
| Pretax return on assets | 1.4810% | 1,498 |
| Return on Equity (ROE) | 12.1868% | 1,290 |
| Retained earnings to average equity (ytd only) | 2.8737% | 3,439 |
| Net charge-offs to loans | 0.0101% | 2,587 |
| Credit loss provision to net charge-offs | 2,600.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 221.8000% | 408 |
| Efficiency ratio | 57.5096% | 3,756 |
| Assets per employee ($millions) | 5.6345% | 2,508 |
| Cash dividends to net income (ytd only)* | 76.4192% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 1,946 |
| Loan loss allowance to noncurrent loans | 273.6527% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 2,824 |
| Noncurrent loans to loans | 0.4790% | 2,714 |
| Net loans and leases to total assets | 73.2717% | 1,514 |
| Net loans and leases to deposits | 82.8088% | 2,109 |
| Net loans and leases to core deposits | 94.2825% | 1,717 |
| Total domestic deposits to total assets | 88.4831% | 952 |
| Equity capital to assets | 10.8432% | 2,467 |
| Core capital (leverage) ratio | 10.8742% | 2,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,207,333 | 3,574 |
| Average earning assets | $127,270,667 | 3,509 |
| Average equity | $15,032,667 | 3,653 |
| Average total loans | $99,080,333 | 3,251 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0624% | 860 |
| Cost of funding earning assets | 1.2827% | 589 |
| Net interest margin | 3.7797% | 2,050 |
| Noninterest income to average assets | 0.4223% | 2,956 |
| Noninterest expense to average assets | 2.3209% | 3,724 |
| Loan and lease loss provision to assets | 0.1877% | 1,590 |
| Net operating income to assets | 1.4451% | 887 |
| Return on assets (ROA) | 1.4451% | 962 |
| Pretax return on assets | 1.5452% | 1,196 |
| Return on Equity (ROE) | 12.3927% | 1,013 |
| Retained earnings to average equity (ytd only) | 3.0043% | 3,083 |
| Net charge-offs to loans | -0.0208% | 4,345 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2531% | 4,086 |
| Assets per employee ($millions) | 5.3580% | 2,264 |
| Cash dividends to net income (ytd only)* | 75.7576% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 1,859 |
| Loan loss allowance to noncurrent loans | 293.9462% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 2,397 |
| Noncurrent loans to loans | 0.4628% | 2,864 |
| Net loans and leases to total assets | 73.9263% | 1,615 |
| Net loans and leases to deposits | 84.2363% | 2,197 |
| Net loans and leases to core deposits | 97.2641% | 1,700 |
| Total domestic deposits to total assets | 87.7606% | 1,206 |
| Equity capital to assets | 11.7510% | 2,250 |
| Core capital (leverage) ratio | 11.8130% | 1,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3653% | 1,259 |
| Memoranda: | ||
| Average total assets | $127,880,000 | 3,607 |
| Average earning assets | $122,865,500 | 3,538 |
| Average equity | $14,912,000 | 3,670 |
| Average total loans | $96,329,000 | 3,272 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3183% | 791 |
| Cost of funding earning assets | 1.3239% | 721 |
| Net interest margin | 3.9944% | 1,874 |
| Noninterest income to average assets | 0.3993% | 3,295 |
| Noninterest expense to average assets | 2.3513% | 3,820 |
| Loan and lease loss provision to assets | 0.2737% | 654 |
| Net operating income to assets | 1.4932% | 1,071 |
| Return on assets (ROA) | 1.4932% | 1,132 |
| Pretax return on assets | 1.5971% | 1,491 |
| Return on Equity (ROE) | 13.0314% | 1,156 |
| Retained earnings to average equity (ytd only) | 5.3039% | 2,270 |
| Net charge-offs to loans | 0.2135% | 959 |
| Credit loss provision to net charge-offs | 162.6794% | 1,589 |
| Earnings coverage of net charge-offs (x) | 11.1196% | 2,517 |
| Efficiency ratio | 55.6911% | 4,245 |
| Assets per employee ($millions) | 5.2986% | 2,248 |
| Cash dividends to net income (ytd only)* | 59.2992% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 1,955 |
| Loan loss allowance to noncurrent loans | 419.5286% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.4215% | 2,709 |
| Noncurrent loans to loans | 0.3085% | 3,334 |
| Net loans and leases to total assets | 74.7340% | 1,628 |
| Net loans and leases to deposits | 85.2572% | 2,181 |
| Net loans and leases to core deposits | 97.8160% | 1,748 |
| Total domestic deposits to total assets | 87.6572% | 1,295 |
| Equity capital to assets | 11.5698% | 2,470 |
| Core capital (leverage) ratio | 11.5786% | 2,053 |
| Tier 1 risk-based capital ratio | 15.9974% | 2,407 |
| Total risk-based capital ratio | 17.2482% | 2,352 |
| Memoranda: | ||
| Average total assets | $124,228,000 | 3,639 |
| Average earning assets | $118,890,600 | 3,576 |
| Average equity | $14,234,800 | 3,718 |
| Average total loans | $97,869,800 | 3,256 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3291% | 813 |
| Cost of funding earning assets | 1.3142% | 753 |
| Net interest margin | 4.0149% | 1,887 |
| Noninterest income to average assets | 0.3822% | 3,423 |
| Noninterest expense to average assets | 2.4033% | 3,671 |
| Loan and lease loss provision to assets | 0.2915% | 510 |
| Net operating income to assets | 1.4305% | 1,386 |
| Return on assets (ROA) | 1.4305% | 1,439 |
| Pretax return on assets | 1.5299% | 1,872 |
| Return on Equity (ROE) | 12.5157% | 1,436 |
| Retained earnings to average equity (ytd only) | 6.1398% | 2,307 |
| Net charge-offs to loans | 0.2782% | 630 |
| Credit loss provision to net charge-offs | 131.7073% | 1,806 |
| Earnings coverage of net charge-offs (x) | 8.2292% | 2,676 |
| Efficiency ratio | 56.8873% | 4,077 |
| Assets per employee ($millions) | 5.0893% | 2,457 |
| Cash dividends to net income (ytd only)* | 50.9436% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2083% | 2,465 |
| Loan loss allowance to noncurrent loans | 455.5985% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6217% | 2,142 |
| Noncurrent loans to loans | 0.2652% | 3,599 |
| Net loans and leases to total assets | 75.8270% | 1,516 |
| Net loans and leases to deposits | 86.2788% | 2,163 |
| Net loans and leases to core deposits | 99.4619% | 1,701 |
| Total domestic deposits to total assets | 87.8860% | 1,083 |
| Equity capital to assets | 11.5033% | 2,653 |
| Core capital (leverage) ratio | 11.6786% | 2,098 |
| Tier 1 risk-based capital ratio | 15.7113% | 2,551 |
| Total risk-based capital ratio | 16.9613% | 2,489 |
| Memoranda: | ||
| Average total assets | $123,493,250 | 3,684 |
| Average earning assets | $118,191,250 | 3,622 |
| Average equity | $14,115,250 | 3,770 |
| Average total loans | $98,266,500 | 3,294 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3298% | 762 |
| Cost of funding earning assets | 1.2636% | 835 |
| Net interest margin | 4.0662% | 1,709 |
| Noninterest income to average assets | 0.3730% | 3,450 |
| Noninterest expense to average assets | 2.4197% | 3,687 |
| Loan and lease loss provision to assets | 0.3190% | 423 |
| Net operating income to assets | 1.4250% | 1,359 |
| Return on assets (ROA) | 1.4250% | 1,412 |
| Pretax return on assets | 1.5248% | 1,775 |
| Return on Equity (ROE) | 12.4949% | 1,413 |
| Retained earnings to average equity (ytd only) | 6.0394% | 2,264 |
| Net charge-offs to loans | 0.4306% | 388 |
| Credit loss provision to net charge-offs | 91.9811% | 2,116 |
| Earnings coverage of net charge-offs (x) | 5.3160% | 2,671 |
| Efficiency ratio | 56.7536% | 4,156 |
| Assets per employee ($millions) | 4.9274% | 2,571 |
| Cash dividends to net income (ytd only)* | 51.6648% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 2,936 |
| Loan loss allowance to noncurrent loans | 1,066.0194% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 2,275 |
| Noncurrent loans to loans | 0.1055% | 4,196 |
| Net loans and leases to total assets | 78.3748% | 1,151 |
| Net loans and leases to deposits | 89.3076% | 1,822 |
| Net loans and leases to core deposits | 103.7103% | 1,410 |
| Total domestic deposits to total assets | 87.7582% | 1,217 |
| Equity capital to assets | 11.6719% | 2,469 |
| Core capital (leverage) ratio | 11.7705% | 1,969 |
| Tier 1 risk-based capital ratio | 15.7148% | 2,543 |
| Total risk-based capital ratio | 16.9056% | 2,494 |
| Memoranda: | ||
| Average total assets | $122,246,670 | 3,720 |
| Average earning assets | $116,964,670 | 3,662 |
| Average equity | $13,941,670 | 3,799 |
| Average total loans | $98,469,670 | 3,310 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3022% | 755 |
| Cost of funding earning assets | 1.2038% | 894 |
| Net interest margin | 4.0984% | 1,552 |
| Noninterest income to average assets | 0.3383% | 3,596 |
| Noninterest expense to average assets | 2.3912% | 3,787 |
| Loan and lease loss provision to assets | 0.3449% | 348 |
| Net operating income to assets | 1.4288% | 1,296 |
| Return on assets (ROA) | 1.4288% | 1,324 |
| Pretax return on assets | 1.5274% | 1,687 |
| Return on Equity (ROE) | 12.6790% | 1,329 |
| Retained earnings to average equity (ytd only) | 6.1209% | 2,408 |
| Net charge-offs to loans | 0.3762% | 414 |
| Credit loss provision to net charge-offs | 112.9032% | 1,474 |
| Earnings coverage of net charge-offs (x) | 6.1290% | 2,215 |
| Efficiency ratio | 56.0863% | 4,325 |
| Assets per employee ($millions) | 5.1229% | 2,368 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 2,897 |
| Loan loss allowance to noncurrent loans | 92.6809% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.2208% | 1,095 |
| Noncurrent loans to loans | 1.2334% | 1,334 |
| Net loans and leases to total assets | 79.2686% | 946 |
| Net loans and leases to deposits | 89.9111% | 1,643 |
| Net loans and leases to core deposits | 103.5883% | 1,345 |
| Total domestic deposits to total assets | 88.1634% | 1,252 |
| Equity capital to assets | 11.3559% | 2,520 |
| Core capital (leverage) ratio | 11.8291% | 1,885 |
| Tier 1 risk-based capital ratio | 15.2709% | 2,761 |
| Total risk-based capital ratio | 16.4763% | 2,687 |
| Memoranda: | ||
| Average total assets | $121,777,500 | 3,770 |
| Average earning assets | $116,631,000 | 3,703 |
| Average equity | $13,723,500 | 3,839 |
| Average total loans | $98,882,500 | 3,340 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1483% | 771 |
| Cost of funding earning assets | 1.0783% | 533 |
| Net interest margin | 4.0699% | 1,772 |
| Noninterest income to average assets | 0.4385% | 3,181 |
| Noninterest expense to average assets | 2.3843% | 3,924 |
| Loan and lease loss provision to assets | 0.3342% | 466 |
| Net operating income to assets | 1.5064% | 1,101 |
| Return on assets (ROA) | 1.5064% | 1,089 |
| Pretax return on assets | 1.6058% | 1,455 |
| Return on Equity (ROE) | 13.9632% | 1,053 |
| Retained earnings to average equity (ytd only) | 2.6294% | 4,088 |
| Net charge-offs to loans | 0.5905% | 289 |
| Credit loss provision to net charge-offs | 70.2055% | 2,990 |
| Earnings coverage of net charge-offs (x) | 4.0753% | 3,338 |
| Efficiency ratio | 55.1367% | 4,502 |
| Assets per employee ($millions) | 5.2437% | 2,208 |
| Cash dividends to net income (ytd only)* | 81.1688% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 2,957 |
| Loan loss allowance to noncurrent loans | 153.3700% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.8681% | 1,606 |
| Noncurrent loans to loans | 0.7330% | 2,155 |
| Net loans and leases to total assets | 81.3086% | 766 |
| Net loans and leases to deposits | 92.1065% | 1,539 |
| Net loans and leases to core deposits | 106.0519% | 1,264 |
| Total domestic deposits to total assets | 88.2767% | 1,168 |
| Equity capital to assets | 11.1810% | 2,532 |
| Core capital (leverage) ratio | 11.5529% | 2,058 |
| Tier 1 risk-based capital ratio | 14.8940% | 2,883 |
| Total risk-based capital ratio | 16.0745% | 2,842 |
| Memoranda: | ||
| Average total assets | $122,678,600 | 3,750 |
| Average earning assets | $117,127,000 | 3,692 |
| Average equity | $13,234,800 | 3,851 |
| Average total loans | $98,906,800 | 3,324 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1026% | 752 |
| Cost of funding earning assets | 1.0480% | 485 |
| Net interest margin | 4.0546% | 1,775 |
| Noninterest income to average assets | 0.4513% | 3,161 |
| Noninterest expense to average assets | 2.3907% | 3,875 |
| Loan and lease loss provision to assets | 0.1623% | 1,182 |
| Net operating income to assets | 1.6526% | 835 |
| Return on assets (ROA) | 1.6526% | 846 |
| Pretax return on assets | 1.7673% | 1,094 |
| Return on Equity (ROE) | 15.4564% | 791 |
| Retained earnings to average equity (ytd only) | 2.5507% | 4,379 |
| Net charge-offs to loans | 0.2860% | 583 |
| Credit loss provision to net charge-offs | 70.7547% | 2,631 |
| Earnings coverage of net charge-offs (x) | 8.4104% | 2,713 |
| Efficiency ratio | 55.3357% | 4,468 |
| Assets per employee ($millions) | 5.1489% | 2,281 |
| Cash dividends to net income (ytd only)* | 83.4971% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 2,372 |
| Loan loss allowance to noncurrent loans | 175.2857% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.8254% | 1,793 |
| Noncurrent loans to loans | 0.7126% | 2,296 |
| Net loans and leases to total assets | 78.4969% | 1,261 |
| Net loans and leases to deposits | 88.3836% | 2,106 |
| Net loans and leases to core deposits | 101.1639% | 1,684 |
| Total domestic deposits to total assets | 88.8139% | 909 |
| Equity capital to assets | 10.6407% | 2,999 |
| Core capital (leverage) ratio | 11.2593% | 2,371 |
| Tier 1 risk-based capital ratio | 14.7205% | 3,007 |
| Total risk-based capital ratio | 15.9711% | 2,932 |
| Memoranda: | ||
| Average total assets | $123,196,750 | 3,779 |
| Average earning assets | $117,558,750 | 3,726 |
| Average equity | $13,172,250 | 3,888 |
| Average total loans | $98,839,000 | 3,344 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0089% | 799 |
| Cost of funding earning assets | 1.0103% | 456 |
| Net interest margin | 3.9986% | 1,870 |
| Noninterest income to average assets | 0.4859% | 2,939 |
| Noninterest expense to average assets | 2.4019% | 3,895 |
| Loan and lease loss provision to assets | 0.1463% | 1,303 |
| Net operating income to assets | 1.6429% | 813 |
| Return on assets (ROA) | 1.6429% | 821 |
| Pretax return on assets | 1.7518% | 1,095 |
| Return on Equity (ROE) | 15.3414% | 786 |
| Retained earnings to average equity (ytd only) | 2.4431% | 4,284 |
| Net charge-offs to loans | 0.0404% | 2,051 |
| Credit loss provision to net charge-offs | 450.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 58.4000% | 1,014 |
| Efficiency ratio | 55.8579% | 4,494 |
| Assets per employee ($millions) | 5.1311% | 2,259 |
| Cash dividends to net income (ytd only)* | 84.0752% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 1,907 |
| Loan loss allowance to noncurrent loans | 226.1231% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 1.0118% | 1,488 |
| Noncurrent loans to loans | 0.6005% | 2,617 |
| Net loans and leases to total assets | 80.1715% | 989 |
| Net loans and leases to deposits | 90.2186% | 1,807 |
| Net loans and leases to core deposits | 103.8346% | 1,412 |
| Total domestic deposits to total assets | 88.8636% | 989 |
| Equity capital to assets | 10.6889% | 2,943 |
| Core capital (leverage) ratio | 11.0963% | 2,442 |
| Tier 1 risk-based capital ratio | 14.3420% | 3,183 |
| Total risk-based capital ratio | 15.5942% | 3,105 |
| Memoranda: | ||
| Average total assets | $123,071,330 | 3,808 |
| Average earning assets | $117,391,000 | 3,757 |
| Average equity | $13,180,000 | 3,906 |
| Average total loans | $99,042,670 | 3,351 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0172% | 673 |
| Cost of funding earning assets | 0.9497% | 469 |
| Net interest margin | 4.0676% | 1,519 |
| Noninterest income to average assets | 0.4194% | 3,320 |
| Noninterest expense to average assets | 2.4091% | 3,919 |
| Loan and lease loss provision to assets | 0.1463% | 1,269 |
| Net operating income to assets | 1.6418% | 776 |
| Return on assets (ROA) | 1.6418% | 779 |
| Pretax return on assets | 1.7491% | 1,006 |
| Return on Equity (ROE) | 15.3164% | 749 |
| Retained earnings to average equity (ytd only) | 2.4264% | 4,200 |
| Net charge-offs to loans | -0.0041% | 3,940 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9668% | 4,584 |
| Assets per employee ($millions) | 5.2314% | 2,220 |
| Cash dividends to net income (ytd only)* | 84.1584% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 2,164 |
| Loan loss allowance to noncurrent loans | 223.9933% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 1.0195% | 1,539 |
| Noncurrent loans to loans | 0.5881% | 2,776 |
| Net loans and leases to total assets | 79.6478% | 986 |
| Net loans and leases to deposits | 89.3249% | 1,776 |
| Net loans and leases to core deposits | 107.8480% | 1,134 |
| Total domestic deposits to total assets | 89.1664% | 1,018 |
| Equity capital to assets | 10.4369% | 3,135 |
| Core capital (leverage) ratio | 11.1362% | 2,300 |
| Tier 1 risk-based capital ratio | 13.8974% | 3,433 |
| Total risk-based capital ratio | 15.1482% | 3,350 |
| Memoranda: | ||
| Average total assets | $123,034,000 | 3,851 |
| Average earning assets | $117,515,000 | 3,791 |
| Average equity | $13,188,500 | 3,943 |
| Average total loans | $98,520,500 | 3,387 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7765% | 1,016 |
| Cost of funding earning assets | 0.8031% | 612 |
| Net interest margin | 3.9734% | 1,831 |
| Noninterest income to average assets | 0.3661% | 3,847 |
| Noninterest expense to average assets | 2.4699% | 3,881 |
| Loan and lease loss provision to assets | 0.1084% | 2,076 |
| Net operating income to assets | 1.4843% | 839 |
| Return on assets (ROA) | 1.4843% | 858 |
| Pretax return on assets | 1.5877% | 1,323 |
| Return on Equity (ROE) | 13.1910% | 911 |
| Retained earnings to average equity (ytd only) | -1.0079% | 5,186 |
| Net charge-offs to loans | 0.2774% | 944 |
| Credit loss provision to net charge-offs | 50.3876% | 3,329 |
| Earnings coverage of net charge-offs (x) | 7.8837% | 2,981 |
| Efficiency ratio | 59.2874% | 4,376 |
| Assets per employee ($millions) | 4.8206% | 2,710 |
| Cash dividends to net income (ytd only)* | 107.6404% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 1,984 |
| Loan loss allowance to noncurrent loans | 213.4106% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 1.0688% | 1,428 |
| Noncurrent loans to loans | 0.6311% | 2,641 |
| Net loans and leases to total assets | 78.3444% | 1,243 |
| Net loans and leases to deposits | 88.4956% | 1,958 |
| Net loans and leases to core deposits | 109.0065% | 1,062 |
| Total domestic deposits to total assets | 88.5291% | 1,237 |
| Equity capital to assets | 11.0137% | 2,613 |
| Core capital (leverage) ratio | 11.5302% | 1,923 |
| Tier 1 risk-based capital ratio | 14.6955% | 2,994 |
| Total risk-based capital ratio | 15.9476% | 2,923 |
| Memoranda: | ||
| Average total assets | $119,922,000 | 3,897 |
| Average earning assets | $114,687,600 | 3,833 |
| Average equity | $13,494,000 | 3,913 |
| Average total loans | $93,010,400 | 3,469 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 1,092 |
| Cost of funding earning assets | 0.7935% | 600 |
| Net interest margin | 3.9291% | 1,935 |
| Noninterest income to average assets | 0.3640% | 3,923 |
| Noninterest expense to average assets | 2.4746% | 3,810 |
| Loan and lease loss provision to assets | 0.1002% | 2,107 |
| Net operating income to assets | 1.4471% | 998 |
| Return on assets (ROA) | 1.4471% | 1,010 |
| Pretax return on assets | 1.5484% | 1,585 |
| Return on Equity (ROE) | 12.7925% | 1,102 |
| Retained earnings to average equity (ytd only) | 2.5486% | 4,361 |
| Net charge-offs to loans | 0.3725% | 563 |
| Credit loss provision to net charge-offs | 34.8837% | 3,039 |
| Earnings coverage of net charge-offs (x) | 5.7403% | 3,062 |
| Efficiency ratio | 60.0162% | 4,214 |
| Assets per employee ($millions) | 4.6074% | 2,964 |
| Cash dividends to net income (ytd only)* | 80.0772% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 2,214 |
| Loan loss allowance to noncurrent loans | 252.8340% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 1.1487% | 1,438 |
| Noncurrent loans to loans | 0.5254% | 3,120 |
| Net loans and leases to total assets | 77.4426% | 1,360 |
| Net loans and leases to deposits | 88.0664% | 2,052 |
| Net loans and leases to core deposits | 105.0992% | 1,324 |
| Total domestic deposits to total assets | 87.9366% | 1,401 |
| Equity capital to assets | 11.5893% | 2,287 |
| Core capital (leverage) ratio | 11.8657% | 1,775 |
| Tier 1 risk-based capital ratio | 15.3626% | 2,765 |
| Total risk-based capital ratio | 16.6142% | 2,708 |
| Memoranda: | ||
| Average total assets | $119,774,000 | 3,943 |
| Average earning assets | $114,595,000 | 3,873 |
| Average equity | $13,549,250 | 3,944 |
| Average total loans | $92,336,750 | 3,515 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6487% | 1,158 |
| Cost of funding earning assets | 0.7820% | 572 |
| Net interest margin | 3.8667% | 2,039 |
| Noninterest income to average assets | 0.3791% | 3,839 |
| Noninterest expense to average assets | 2.4414% | 3,941 |
| Loan and lease loss provision to assets | 0.1002% | 2,012 |
| Net operating income to assets | 1.4445% | 965 |
| Return on assets (ROA) | 1.4445% | 989 |
| Pretax return on assets | 1.5447% | 1,507 |
| Return on Equity (ROE) | 12.8739% | 1,071 |
| Retained earnings to average equity (ytd only) | 0.2232% | 5,023 |
| Net charge-offs to loans | 0.1286% | 1,392 |
| Credit loss provision to net charge-offs | 101.6949% | 1,984 |
| Earnings coverage of net charge-offs (x) | 16.6949% | 1,966 |
| Efficiency ratio | 59.7466% | 4,351 |
| Assets per employee ($millions) | 4.6635% | 2,841 |
| Cash dividends to net income (ytd only)* | 98.2659% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 1,520 |
| Loan loss allowance to noncurrent loans | 93.0446% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.3394% | 1,209 |
| Noncurrent loans to loans | 1.6328% | 1,131 |
| Net loans and leases to total assets | 75.8111% | 1,568 |
| Net loans and leases to deposits | 85.8377% | 2,243 |
| Net loans and leases to core deposits | 101.7884% | 1,527 |
| Total domestic deposits to total assets | 88.3192% | 1,296 |
| Equity capital to assets | 11.2734% | 2,520 |
| Core capital (leverage) ratio | 11.5389% | 1,942 |
| Tier 1 risk-based capital ratio | 15.0457% | 2,903 |
| Total risk-based capital ratio | 16.2995% | 2,844 |
| Memoranda: | ||
| Average total assets | $119,768,000 | 3,966 |
| Average earning assets | $114,827,330 | 3,896 |
| Average equity | $13,438,000 | 3,969 |
| Average total loans | $91,776,000 | 3,543 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5961% | 1,154 |
| Cost of funding earning assets | 0.7473% | 666 |
| Net interest margin | 3.8488% | 1,956 |
| Noninterest income to average assets | 0.3629% | 3,939 |
| Noninterest expense to average assets | 2.4398% | 4,000 |
| Loan and lease loss provision to assets | 0.1008% | 1,879 |
| Net operating income to assets | 1.4114% | 977 |
| Return on assets (ROA) | 1.4114% | 1,007 |
| Pretax return on assets | 1.5089% | 1,507 |
| Return on Equity (ROE) | 12.6102% | 1,083 |
| Retained earnings to average equity (ytd only) | 0.6005% | 4,777 |
| Net charge-offs to loans | 0.0703% | 1,626 |
| Credit loss provision to net charge-offs | 187.5000% | 1,053 |
| Earnings coverage of net charge-offs (x) | 29.9375% | 1,221 |
| Efficiency ratio | 60.2490% | 4,424 |
| Assets per employee ($millions) | 4.9673% | 2,486 |
| Cash dividends to net income (ytd only)* | 95.2381% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 1,560 |
| Loan loss allowance to noncurrent loans | 103.2468% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.1161% | 1,589 |
| Noncurrent loans to loans | 1.4871% | 1,350 |
| Net loans and leases to total assets | 73.8982% | 1,762 |
| Net loans and leases to deposits | 83.2047% | 2,371 |
| Net loans and leases to core deposits | 100.5688% | 1,466 |
| Total domestic deposits to total assets | 88.8149% | 1,248 |
| Equity capital to assets | 10.8227% | 2,833 |
| Core capital (leverage) ratio | 12.0022% | 1,629 |
| Tier 1 risk-based capital ratio | 14.8833% | 3,023 |
| Total risk-based capital ratio | 16.1372% | 2,954 |
| Memoranda: | ||
| Average total assets | $119,027,000 | 4,015 |
| Average earning assets | $114,010,500 | 3,945 |
| Average equity | $13,322,500 | 4,012 |
| Average total loans | $90,994,500 | 3,575 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6874% | 1,083 |
| Cost of funding earning assets | 0.7757% | 561 |
| Net interest margin | 3.9117% | 1,930 |
| Noninterest income to average assets | 0.3955% | 3,924 |
| Noninterest expense to average assets | 2.4086% | 4,285 |
| Loan and lease loss provision to assets | 0.1148% | 2,149 |
| Net operating income to assets | 0.9905% | 2,391 |
| Return on assets (ROA) | 0.9976% | 2,467 |
| Pretax return on assets | 1.5972% | 1,293 |
| Return on Equity (ROE) | 8.4126% | 2,734 |
| Retained earnings to average equity (ytd only) | 1.2407% | 4,789 |
| Net charge-offs to loans | 0.1081% | 2,189 |
| Credit loss provision to net charge-offs | 139.1753% | 1,959 |
| Earnings coverage of net charge-offs (x) | 20.6186% | 1,843 |
| Efficiency ratio | 58.6093% | 4,773 |
| Assets per employee ($millions) | 4.3797% | 3,310 |
| Cash dividends to net income (ytd only)* | 85.2515% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5959% | 1,386 |
| Loan loss allowance to noncurrent loans | 98.7456% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.2602% | 1,417 |
| Noncurrent loans to loans | 1.6162% | 1,210 |
| Net loans and leases to total assets | 76.7289% | 1,404 |
| Net loans and leases to deposits | 87.1672% | 2,027 |
| Net loans and leases to core deposits | 101.0385% | 1,531 |
| Total domestic deposits to total assets | 88.0250% | 1,615 |
| Equity capital to assets | 11.5965% | 2,082 |
| Core capital (leverage) ratio | 11.8975% | 1,666 |
| Tier 1 risk-based capital ratio | 15.8246% | 2,621 |
| Total risk-based capital ratio | 17.0786% | 2,542 |
| Memoranda: | ||
| Average total assets | $117,579,200 | 4,037 |
| Average earning assets | $111,640,600 | 3,979 |
| Average equity | $13,943,400 | 3,946 |
| Average total loans | $89,692,400 | 3,582 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6964% | 1,073 |
| Cost of funding earning assets | 0.7701% | 573 |
| Net interest margin | 3.9263% | 1,888 |
| Noninterest income to average assets | 0.3859% | 4,019 |
| Noninterest expense to average assets | 2.4189% | 4,225 |
| Loan and lease loss provision to assets | 0.1181% | 1,960 |
| Net operating income to assets | 0.8176% | 3,288 |
| Return on assets (ROA) | 0.8269% | 3,376 |
| Pretax return on assets | 1.5864% | 1,420 |
| Return on Equity (ROE) | 6.9364% | 3,595 |
| Retained earnings to average equity (ytd only) | 6.9364% | 1,664 |
| Net charge-offs to loans | 0.1379% | 1,606 |
| Credit loss provision to net charge-offs | 112.9032% | 2,189 |
| Earnings coverage of net charge-offs (x) | 16.1502% | 2,135 |
| Efficiency ratio | 58.8719% | 4,705 |
| Assets per employee ($millions) | 4.7020% | 2,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5782% | 1,541 |
| Loan loss allowance to noncurrent loans | 558.6345% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 4,589 |
| Noncurrent loans to loans | 0.2825% | 4,252 |
| Net loans and leases to total assets | 73.7944% | 1,904 |
| Net loans and leases to deposits | 84.6699% | 2,408 |
| Net loans and leases to core deposits | 97.8037% | 1,831 |
| Total domestic deposits to total assets | 87.1554% | 1,821 |
| Equity capital to assets | 12.3155% | 1,886 |
| Core capital (leverage) ratio | 12.0678% | 1,630 |
| Tier 1 risk-based capital ratio | 16.4809% | 2,426 |
| Total risk-based capital ratio | 17.7349% | 2,374 |
| Memoranda: | ||
| Average total assets | $118,506,250 | 4,050 |
| Average earning assets | $112,366,750 | 3,987 |
| Average equity | $14,128,000 | 3,960 |
| Average total loans | $89,918,250 | 3,596 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7075% | 1,036 |
| Cost of funding earning assets | 0.7632% | 591 |
| Net interest margin | 3.9443% | 1,829 |
| Noninterest income to average assets | 0.3417% | 4,334 |
| Noninterest expense to average assets | 2.4237% | 4,257 |
| Loan and lease loss provision to assets | 0.1262% | 1,803 |
| Net operating income to assets | 1.4221% | 1,027 |
| Return on assets (ROA) | 1.4425% | 1,035 |
| Pretax return on assets | 1.5451% | 1,541 |
| Return on Equity (ROE) | 12.2327% | 1,232 |
| Retained earnings to average equity (ytd only) | 12.2327% | 295 |
| Net charge-offs to loans | 0.0287% | 2,908 |
| Credit loss provision to net charge-offs | 576.9231% | 588 |
| Earnings coverage of net charge-offs (x) | 75.3846% | 731 |
| Efficiency ratio | 59.5041% | 4,712 |
| Assets per employee ($millions) | 4.6190% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6234% | 1,460 |
| Loan loss allowance to noncurrent loans | 13,109.0909% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.6162% | 3,164 |
| Noncurrent loans to loans | 0.0124% | 5,445 |
| Net loans and leases to total assets | 72.7644% | 2,045 |
| Net loans and leases to deposits | 83.1755% | 2,567 |
| Net loans and leases to core deposits | 98.7145% | 1,753 |
| Total domestic deposits to total assets | 87.4830% | 1,674 |
| Equity capital to assets | 12.1498% | 2,017 |
| Core capital (leverage) ratio | 11.3333% | 2,117 |
| Tier 1 risk-based capital ratio | 16.2331% | 2,533 |
| Total risk-based capital ratio | 17.4880% | 2,475 |
| Memoranda: | ||
| Average total assets | $118,824,670 | 4,068 |
| Average earning assets | $112,416,000 | 4,007 |
| Average equity | $14,011,670 | 3,994 |
| Average total loans | $90,512,000 | 3,598 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7366% | 980 |
| Cost of funding earning assets | 0.7466% | 645 |
| Net interest margin | 3.9900% | 1,642 |
| Noninterest income to average assets | 0.2504% | 4,952 |
| Noninterest expense to average assets | 2.4537% | 4,214 |
| Loan and lease loss provision to assets | 0.1015% | 2,004 |
| Net operating income to assets | 1.3801% | 1,077 |
| Return on assets (ROA) | 1.4214% | 1,054 |
| Pretax return on assets | 1.5196% | 1,529 |
| Return on Equity (ROE) | 12.2431% | 1,237 |
| Retained earnings to average equity (ytd only) | 12.2431% | 472 |
| Net charge-offs to loans | 0.0131% | 2,683 |
| Credit loss provision to net charge-offs | 1,000.0000% | 359 |
| Earnings coverage of net charge-offs (x) | 155.3333% | 388 |
| Efficiency ratio | 60.8732% | 4,619 |
| Assets per employee ($millions) | 4.5686% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 1,817 |
| Loan loss allowance to noncurrent loans | 444.9367% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.8798% | 2,486 |
| Noncurrent loans to loans | 0.3463% | 4,191 |
| Net loans and leases to total assets | 75.6270% | 1,446 |
| Net loans and leases to deposits | 86.0311% | 2,059 |
| Net loans and leases to core deposits | 105.8416% | 1,085 |
| Total domestic deposits to total assets | 87.9065% | 1,691 |
| Equity capital to assets | 11.8039% | 2,151 |
| Core capital (leverage) ratio | 11.9270% | 1,659 |
| Tier 1 risk-based capital ratio | 15.5908% | 2,864 |
| Total risk-based capital ratio | 16.8445% | 2,795 |
| Memoranda: | ||
| Average total assets | $118,190,500 | 4,117 |
| Average earning assets | $111,980,000 | 4,046 |
| Average equity | $13,722,000 | 4,043 |
| Average total loans | $91,354,500 | 3,587 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 1,179 |
| Cost of funding earning assets | 0.8667% | 340 |
| Net interest margin | 3.8036% | 2,362 |
| Noninterest income to average assets | 0.3936% | 4,076 |
| Noninterest expense to average assets | 2.5963% | 3,939 |
| Loan and lease loss provision to assets | 0.2163% | 960 |
| Net operating income to assets | 0.7207% | 3,706 |
| Return on assets (ROA) | 0.7207% | 3,813 |
| Pretax return on assets | 1.1653% | 2,791 |
| Return on Equity (ROE) | 6.3134% | 3,893 |
| Retained earnings to average equity (ytd only) | 6.3134% | 1,649 |
| Net charge-offs to loans | 0.1812% | 1,590 |
| Credit loss provision to net charge-offs | 161.2903% | 1,670 |
| Earnings coverage of net charge-offs (x) | 10.3032% | 2,703 |
| Efficiency ratio | 65.2675% | 4,030 |
| Assets per employee ($millions) | 4.5230% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 1,967 |
| Loan loss allowance to noncurrent loans | 22,983.3333% | 50 |
| Noncurrent assets plus other real estate owned to assets | 1.0213% | 2,153 |
| Noncurrent loans to loans | 0.0066% | 5,518 |
| Net loans and leases to total assets | 76.6101% | 1,320 |
| Net loans and leases to deposits | 88.9710% | 1,751 |
| Net loans and leases to core deposits | 109.8268% | 860 |
| Total domestic deposits to total assets | 86.1069% | 2,589 |
| Equity capital to assets | 11.4143% | 2,433 |
| Core capital (leverage) ratio | 11.6115% | 1,884 |
| Tier 1 risk-based capital ratio | 14.9915% | 3,183 |
| Total risk-based capital ratio | 16.2449% | 3,117 |
| Memoranda: | ||
| Average total assets | $115,589,000 | 4,144 |
| Average earning assets | $108,922,600 | 4,082 |
| Average equity | $13,194,200 | 4,098 |
| Average total loans | $85,540,000 | 3,683 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6231% | 1,278 |
| Cost of funding earning assets | 0.8985% | 294 |
| Net interest margin | 3.7246% | 2,663 |
| Noninterest income to average assets | 0.3673% | 4,302 |
| Noninterest expense to average assets | 2.5962% | 3,897 |
| Loan and lease loss provision to assets | 0.2027% | 988 |
| Net operating income to assets | 0.6615% | 4,072 |
| Return on assets (ROA) | 0.6615% | 4,185 |
| Pretax return on assets | 1.0739% | 3,320 |
| Return on Equity (ROE) | 5.7952% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.7952% | 2,371 |
| Net charge-offs to loans | 0.2474% | 1,058 |
| Credit loss provision to net charge-offs | 112.1795% | 2,086 |
| Earnings coverage of net charge-offs (x) | 7.0643% | 2,960 |
| Efficiency ratio | 67.0356% | 3,702 |
| Assets per employee ($millions) | 4.7029% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 2,359 |
| Loan loss allowance to noncurrent loans | 2,714.5833% | 256 |
| Noncurrent assets plus other real estate owned to assets | 1.1015% | 2,151 |
| Noncurrent loans to loans | 0.0535% | 5,405 |
| Net loans and leases to total assets | 75.1684% | 1,514 |
| Net loans and leases to deposits | 85.1868% | 2,253 |
| Net loans and leases to core deposits | 106.4270% | 1,068 |
| Total domestic deposits to total assets | 88.2395% | 1,429 |
| Equity capital to assets | 11.3360% | 2,660 |
| Core capital (leverage) ratio | 11.4144% | 2,112 |
| Tier 1 risk-based capital ratio | 14.9368% | 3,325 |
| Total risk-based capital ratio | 16.1890% | 3,276 |
| Memoranda: | ||
| Average total assets | $115,086,750 | 4,196 |
| Average earning assets | $108,322,750 | 4,138 |
| Average equity | $13,137,000 | 4,158 |
| Average total loans | $84,057,250 | 3,755 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 1,383 |
| Cost of funding earning assets | 0.9153% | 267 |
| Net interest margin | 3.6427% | 2,932 |
| Noninterest income to average assets | 0.3658% | 4,326 |
| Noninterest expense to average assets | 2.5959% | 3,922 |
| Loan and lease loss provision to assets | 0.1838% | 1,107 |
| Net operating income to assets | 0.6249% | 4,236 |
| Return on assets (ROA) | 0.6249% | 4,350 |
| Pretax return on assets | 1.0135% | 3,532 |
| Return on Equity (ROE) | 5.4615% | 4,395 |
| Retained earnings to average equity (ytd only) | 5.4615% | 2,562 |
| Net charge-offs to loans | 0.1436% | 1,634 |
| Credit loss provision to net charge-offs | 177.9661% | 1,354 |
| Earnings coverage of net charge-offs (x) | 11.5932% | 2,280 |
| Efficiency ratio | 68.4356% | 3,604 |
| Assets per employee ($millions) | 4.3193% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 1,992 |
| Loan loss allowance to noncurrent loans | 424.9201% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 1.1610% | 2,185 |
| Noncurrent loans to loans | 0.3706% | 4,380 |
| Net loans and leases to total assets | 71.2773% | 2,111 |
| Net loans and leases to deposits | 80.6600% | 2,701 |
| Net loans and leases to core deposits | 100.9693% | 1,410 |
| Total domestic deposits to total assets | 88.3675% | 1,457 |
| Equity capital to assets | 11.2749% | 2,595 |
| Core capital (leverage) ratio | 11.6095% | 1,914 |
| Tier 1 risk-based capital ratio | 15.4314% | 3,143 |
| Total risk-based capital ratio | 16.6847% | 3,078 |
| Memoranda: | ||
| Average total assets | $114,258,330 | 4,248 |
| Average earning assets | $107,502,000 | 4,192 |
| Average equity | $13,073,330 | 4,194 |
| Average total loans | $82,183,000 | 3,819 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5835% | 1,261 |
| Cost of funding earning assets | 0.9039% | 283 |
| Net interest margin | 3.6796% | 2,701 |
| Noninterest income to average assets | 0.3820% | 4,145 |
| Noninterest expense to average assets | 2.6248% | 3,848 |
| Loan and lease loss provision to assets | 0.2653% | 603 |
| Net operating income to assets | 0.5872% | 4,332 |
| Return on assets (ROA) | 0.5872% | 4,434 |
| Pretax return on assets | 0.9480% | 3,703 |
| Return on Equity (ROE) | 5.0938% | 4,484 |
| Retained earnings to average equity (ytd only) | 5.0938% | 3,008 |
| Net charge-offs to loans | 0.3060% | 777 |
| Credit loss provision to net charge-offs | 120.9677% | 1,436 |
| Earnings coverage of net charge-offs (x) | 5.5323% | 2,380 |
| Efficiency ratio | 68.3871% | 3,760 |
| Assets per employee ($millions) | 4.2933% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6087% | 2,021 |
| Loan loss allowance to noncurrent loans | 414.3770% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 1.1680% | 2,293 |
| Noncurrent loans to loans | 0.3882% | 4,427 |
| Net loans and leases to total assets | 68.4325% | 2,376 |
| Net loans and leases to deposits | 77.5898% | 2,864 |
| Net loans and leases to core deposits | 97.4785% | 1,523 |
| Total domestic deposits to total assets | 88.1979% | 1,710 |
| Equity capital to assets | 11.4519% | 2,512 |
| Core capital (leverage) ratio | 11.9496% | 1,670 |
| Tier 1 risk-based capital ratio | 15.6903% | 3,064 |
| Total risk-based capital ratio | 16.9429% | 3,002 |
| Memoranda: | ||
| Average total assets | $113,076,500 | 4,310 |
| Average earning assets | $106,206,000 | 4,248 |
| Average equity | $13,035,500 | 4,224 |
| Average total loans | $81,047,000 | 3,859 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7696% | 1,172 |
| Cost of funding earning assets | 0.9794% | 255 |
| Net interest margin | 3.7902% | 2,661 |
| Noninterest income to average assets | 0.3891% | 4,270 |
| Noninterest expense to average assets | 2.7121% | 3,818 |
| Loan and lease loss provision to assets | 0.3103% | 656 |
| Net operating income to assets | 1.2718% | 1,365 |
| Return on assets (ROA) | 1.2768% | 1,407 |
| Pretax return on assets | 0.9172% | 3,842 |
| Return on Equity (ROE) | 11.1001% | 1,694 |
| Retained earnings to average equity (ytd only) | 11.1001% | 367 |
| Net charge-offs to loans | 0.2706% | 1,592 |
| Credit loss provision to net charge-offs | 153.6585% | 1,578 |
| Earnings coverage of net charge-offs (x) | 6.0537% | 3,282 |
| Efficiency ratio | 68.9284% | 3,727 |
| Assets per employee ($millions) | 4.2397% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5760% | 2,172 |
| Loan loss allowance to noncurrent loans | 119.7761% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 2.4602% | 942 |
| Noncurrent loans to loans | 1.3158% | 2,241 |
| Net loans and leases to total assets | 72.7423% | 1,800 |
| Net loans and leases to deposits | 82.6149% | 2,395 |
| Net loans and leases to core deposits | 109.0921% | 824 |
| Total domestic deposits to total assets | 88.0499% | 1,745 |
| Equity capital to assets | 11.6081% | 2,336 |
| Core capital (leverage) ratio | 12.5373% | 1,340 |
| Tier 1 risk-based capital ratio | 15.7549% | 3,095 |
| Total risk-based capital ratio | 17.0082% | 3,029 |
| Memoranda: | ||
| Average total assets | $101,506,800 | 4,566 |
| Average earning assets | $94,956,200 | 4,532 |
| Average equity | $11,675,600 | 4,424 |
| Average total loans | $75,756,000 | 3,998 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7891% | 1,125 |
| Cost of funding earning assets | 1.0006% | 250 |
| Net interest margin | 3.7885% | 2,663 |
| Noninterest income to average assets | 0.4054% | 4,208 |
| Noninterest expense to average assets | 2.6418% | 4,041 |
| Loan and lease loss provision to assets | 0.3087% | 623 |
| Net operating income to assets | 0.9974% | 2,459 |
| Return on assets (ROA) | 1.0041% | 2,499 |
| Pretax return on assets | 1.0041% | 3,574 |
| Return on Equity (ROE) | 8.7518% | 2,812 |
| Retained earnings to average equity (ytd only) | 8.7518% | 1,076 |
| Net charge-offs to loans | 0.3731% | 1,070 |
| Credit loss provision to net charge-offs | 110.5769% | 2,033 |
| Earnings coverage of net charge-offs (x) | 4.6778% | 3,398 |
| Efficiency ratio | 66.9160% | 4,059 |
| Assets per employee ($millions) | 3.8973% | 4,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 2,607 |
| Loan loss allowance to noncurrent loans | 315.5673% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 2.0784% | 1,357 |
| Noncurrent loans to loans | 0.4826% | 4,463 |
| Net loans and leases to total assets | 76.3160% | 1,178 |
| Net loans and leases to deposits | 87.9411% | 1,682 |
| Net loans and leases to core deposits | 109.2030% | 783 |
| Total domestic deposits to total assets | 86.7808% | 2,427 |
| Equity capital to assets | 11.8869% | 2,165 |
| Core capital (leverage) ratio | 12.5240% | 1,387 |
| Tier 1 risk-based capital ratio | 15.7199% | 3,200 |
| Total risk-based capital ratio | 16.9724% | 3,139 |
| Memoranda: | ||
| Average total assets | $99,325,250 | 4,661 |
| Average earning assets | $92,874,750 | 4,629 |
| Average equity | $11,395,500 | 4,506 |
| Average total loans | $74,327,500 | 4,078 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7466% | 1,187 |
| Cost of funding earning assets | 1.0247% | 228 |
| Net interest margin | 3.7219% | 2,870 |
| Noninterest income to average assets | 0.4014% | 4,238 |
| Noninterest expense to average assets | 2.6009% | 4,235 |
| Loan and lease loss provision to assets | 0.3041% | 644 |
| Net operating income to assets | 0.9791% | 2,413 |
| Return on assets (ROA) | 0.9791% | 2,489 |
| Pretax return on assets | 0.9791% | 3,560 |
| Return on Equity (ROE) | 8.6412% | 2,764 |
| Retained earnings to average equity (ytd only) | 8.6412% | 1,100 |
| Net charge-offs to loans | 0.4086% | 997 |
| Credit loss provision to net charge-offs | 100.6711% | 1,973 |
| Earnings coverage of net charge-offs (x) | 4.2483% | 3,147 |
| Efficiency ratio | 66.9624% | 4,203 |
| Assets per employee ($millions) | 4.0034% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5900% | 2,499 |
| Loan loss allowance to noncurrent loans | 310.8466% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 2.1032% | 1,489 |
| Noncurrent loans to loans | 0.5115% | 4,467 |
| Net loans and leases to total assets | 72.6650% | 1,625 |
| Net loans and leases to deposits | 82.7711% | 2,167 |
| Net loans and leases to core deposits | 95.3171% | 1,658 |
| Total domestic deposits to total assets | 87.7903% | 2,042 |
| Equity capital to assets | 11.7541% | 2,202 |
| Core capital (leverage) ratio | 12.2219% | 1,540 |
| Tier 1 risk-based capital ratio | 16.2778% | 2,939 |
| Total risk-based capital ratio | 17.5314% | 2,887 |
| Memoranda: | ||
| Average total assets | $98,657,000 | 4,714 |
| Average earning assets | $92,319,000 | 4,670 |
| Average equity | $11,179,000 | 4,562 |
| Average total loans | $72,927,670 | 4,136 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7387% | 1,170 |
| Cost of funding earning assets | 1.0482% | 212 |
| Net interest margin | 3.6905% | 2,901 |
| Noninterest income to average assets | 0.3512% | 4,564 |
| Noninterest expense to average assets | 2.5607% | 4,413 |
| Loan and lease loss provision to assets | 0.2859% | 698 |
| Net operating income to assets | 0.9557% | 2,380 |
| Return on assets (ROA) | 0.9557% | 2,452 |
| Pretax return on assets | 0.9557% | 3,490 |
| Return on Equity (ROE) | 8.5978% | 2,644 |
| Retained earnings to average equity (ytd only) | 8.5978% | 1,385 |
| Net charge-offs to loans | 0.3313% | 1,079 |
| Credit loss provision to net charge-offs | 116.6667% | 1,488 |
| Earnings coverage of net charge-offs (x) | 5.0667% | 2,432 |
| Efficiency ratio | 67.3469% | 4,307 |
| Assets per employee ($millions) | 4.5177% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6281% | 2,586 |
| Loan loss allowance to noncurrent loans | 435.2941% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 2.1109% | 1,587 |
| Noncurrent loans to loans | 0.3740% | 5,005 |
| Net loans and leases to total assets | 71.9761% | 1,580 |
| Net loans and leases to deposits | 81.4577% | 2,106 |
| Net loans and leases to core deposits | 94.8025% | 1,483 |
| Total domestic deposits to total assets | 88.3600% | 2,021 |
| Equity capital to assets | 11.2335% | 2,493 |
| Core capital (leverage) ratio | 12.2439% | 1,511 |
| Tier 1 risk-based capital ratio | 16.0848% | 3,131 |
| Total risk-based capital ratio | 17.3384% | 3,086 |
| Memoranda: | ||
| Average total assets | $97,943,500 | 4,773 |
| Average earning assets | $91,587,000 | 4,735 |
| Average equity | $10,886,500 | 4,647 |
| Average total loans | $72,441,000 | 4,183 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8653% | 1,165 |
| Cost of funding earning assets | 1.1381% | 233 |
| Net interest margin | 3.7272% | 2,949 |
| Noninterest income to average assets | 0.4120% | 4,362 |
| Noninterest expense to average assets | 2.5225% | 4,696 |
| Loan and lease loss provision to assets | 0.2936% | 1,155 |
| Net operating income to assets | 1.0537% | 2,099 |
| Return on assets (ROA) | 1.0579% | 2,163 |
| Pretax return on assets | 1.0579% | 3,117 |
| Return on Equity (ROE) | 9.4020% | 2,368 |
| Retained earnings to average equity (ytd only) | 9.4020% | 679 |
| Net charge-offs to loans | 0.4000% | 1,687 |
| Credit loss provision to net charge-offs | 100.3584% | 2,409 |
| Earnings coverage of net charge-offs (x) | 4.6057% | 3,517 |
| Efficiency ratio | 65.1856% | 4,701 |
| Assets per employee ($millions) | 4.5951% | 2,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6269% | 2,657 |
| Loan loss allowance to noncurrent loans | 323.4160% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 2.2685% | 1,562 |
| Noncurrent loans to loans | 0.5030% | 4,738 |
| Net loans and leases to total assets | 73.5639% | 1,425 |
| Net loans and leases to deposits | 83.0005% | 2,054 |
| Net loans and leases to core deposits | 96.8987% | 1,390 |
| Total domestic deposits to total assets | 88.6307% | 1,839 |
| Equity capital to assets | 10.9931% | 2,619 |
| Core capital (leverage) ratio | 12.2077% | 1,492 |
| Tier 1 risk-based capital ratio | 15.8883% | 3,151 |
| Total risk-based capital ratio | 17.1416% | 3,108 |
| Memoranda: | ||
| Average total assets | $95,380,400 | 4,853 |
| Average earning assets | $88,484,400 | 4,818 |
| Average equity | $10,731,800 | 4,692 |
| Average total loans | $69,745,800 | 4,273 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8685% | 1,198 |
| Cost of funding earning assets | 1.1509% | 240 |
| Net interest margin | 3.7176% | 2,964 |
| Noninterest income to average assets | 0.4080% | 4,475 |
| Noninterest expense to average assets | 2.5488% | 4,559 |
| Loan and lease loss provision to assets | 0.2524% | 1,415 |
| Net operating income to assets | 1.0487% | 2,185 |
| Return on assets (ROA) | 1.0543% | 2,256 |
| Pretax return on assets | 1.0543% | 3,282 |
| Return on Equity (ROE) | 9.3158% | 2,479 |
| Retained earnings to average equity (ytd only) | 9.3158% | 960 |
| Net charge-offs to loans | 0.1369% | 3,168 |
| Credit loss provision to net charge-offs | 253.5211% | 972 |
| Earnings coverage of net charge-offs (x) | 13.0710% | 2,069 |
| Efficiency ratio | 66.2054% | 4,444 |
| Assets per employee ($millions) | 4.6201% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8241% | 2,226 |
| Loan loss allowance to noncurrent loans | 95.6716% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 2.9952% | 1,236 |
| Noncurrent loans to loans | 1.9066% | 2,357 |
| Net loans and leases to total assets | 71.1179% | 1,761 |
| Net loans and leases to deposits | 80.2811% | 2,368 |
| Net loans and leases to core deposits | 94.9367% | 1,483 |
| Total domestic deposits to total assets | 88.5861% | 1,789 |
| Equity capital to assets | 10.9264% | 2,833 |
| Core capital (leverage) ratio | 12.5039% | 1,424 |
| Tier 1 risk-based capital ratio | 15.8262% | 3,287 |
| Total risk-based capital ratio | 17.0818% | 3,232 |
| Memoranda: | ||
| Average total assets | $95,101,250 | 4,905 |
| Average earning assets | $88,046,750 | 4,869 |
| Average equity | $10,762,750 | 4,744 |
| Average total loans | $69,142,000 | 4,331 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7869% | 1,353 |
| Cost of funding earning assets | 1.1824% | 228 |
| Net interest margin | 3.6045% | 3,337 |
| Noninterest income to average assets | 0.4108% | 4,442 |
| Noninterest expense to average assets | 2.6699% | 4,144 |
| Loan and lease loss provision to assets | 0.2541% | 1,456 |
| Net operating income to assets | 0.8109% | 3,232 |
| Return on assets (ROA) | 0.8194% | 3,358 |
| Pretax return on assets | 0.8194% | 4,237 |
| Return on Equity (ROE) | 7.1556% | 3,511 |
| Retained earnings to average equity (ytd only) | 7.1556% | 1,818 |
| Net charge-offs to loans | 0.1774% | 2,695 |
| Credit loss provision to net charge-offs | 196.7213% | 1,210 |
| Earnings coverage of net charge-offs (x) | 8.2459% | 2,434 |
| Efficiency ratio | 71.4853% | 3,560 |
| Assets per employee ($millions) | 4.8812% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7994% | 2,434 |
| Loan loss allowance to noncurrent loans | 90.4552% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 3.1582% | 1,262 |
| Noncurrent loans to loans | 1.9893% | 2,412 |
| Net loans and leases to total assets | 72.4960% | 1,486 |
| Net loans and leases to deposits | 82.0319% | 2,059 |
| Net loans and leases to core deposits | 92.4637% | 1,658 |
| Total domestic deposits to total assets | 88.3754% | 1,996 |
| Equity capital to assets | 11.1523% | 2,610 |
| Core capital (leverage) ratio | 12.1133% | 1,558 |
| Tier 1 risk-based capital ratio | 15.7536% | 3,336 |
| Total risk-based capital ratio | 17.0090% | 3,282 |
| Memoranda: | ||
| Average total assets | $94,461,000 | 4,952 |
| Average earning assets | $87,112,330 | 4,924 |
| Average equity | $10,816,670 | 4,763 |
| Average total loans | $68,762,000 | 4,356 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7965% | 1,298 |
| Cost of funding earning assets | 1.2003% | 232 |
| Net interest margin | 3.5963% | 3,279 |
| Noninterest income to average assets | 0.3483% | 4,892 |
| Noninterest expense to average assets | 2.7277% | 3,954 |
| Loan and lease loss provision to assets | 0.2518% | 1,423 |
| Net operating income to assets | 0.6756% | 3,808 |
| Return on assets (ROA) | 0.6756% | 3,968 |
| Pretax return on assets | 0.6756% | 4,677 |
| Return on Equity (ROE) | 5.8262% | 4,135 |
| Retained earnings to average equity (ytd only) | 5.8262% | 2,765 |
| Net charge-offs to loans | -0.0290% | 5,881 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6269% | 3,148 |
| Assets per employee ($millions) | 4.6981% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8247% | 2,537 |
| Loan loss allowance to noncurrent loans | 83.1989% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 3.2439% | 1,343 |
| Noncurrent loans to loans | 2.1932% | 2,396 |
| Net loans and leases to total assets | 70.8901% | 1,533 |
| Net loans and leases to deposits | 80.7245% | 1,986 |
| Net loans and leases to core deposits | 89.6886% | 1,728 |
| Total domestic deposits to total assets | 87.8173% | 2,445 |
| Equity capital to assets | 11.8113% | 2,167 |
| Core capital (leverage) ratio | 11.7314% | 1,724 |
| Tier 1 risk-based capital ratio | 15.6015% | 3,470 |
| Total risk-based capital ratio | 16.8576% | 3,435 |
| Memoranda: | ||
| Average total assets | $95,320,000 | 4,966 |
| Average earning assets | $87,646,500 | 4,942 |
| Average equity | $11,053,500 | 4,757 |
| Average total loans | $68,909,500 | 4,379 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9281% | 1,754 |
| Cost of funding earning assets | 1.3946% | 257 |
| Net interest margin | 3.5334% | 4,361 |
| Noninterest income to average assets | 0.3983% | 4,620 |
| Noninterest expense to average assets | 2.7202% | 4,334 |
| Loan and lease loss provision to assets | 0.2814% | 2,403 |
| Net operating income to assets | 0.6246% | 4,114 |
| Return on assets (ROA) | 0.7924% | 3,568 |
| Pretax return on assets | 0.7924% | 4,323 |
| Return on Equity (ROE) | 6.8589% | 3,722 |
| Retained earnings to average equity (ytd only) | 6.8589% | 1,635 |
| Net charge-offs to loans | 0.0637% | 5,054 |
| Credit loss provision to net charge-offs | 650.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 20.9250% | 1,328 |
| Efficiency ratio | 75.0149% | 2,906 |
| Assets per employee ($millions) | 4.8340% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6764% | 3,020 |
| Loan loss allowance to noncurrent loans | 126.8108% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 3.1796% | 1,464 |
| Noncurrent loans to loans | 1.3220% | 3,630 |
| Net loans and leases to total assets | 71.1623% | 1,625 |
| Net loans and leases to deposits | 80.5996% | 2,206 |
| Net loans and leases to core deposits | 88.9014% | 1,983 |
| Total domestic deposits to total assets | 88.2911% | 2,034 |
| Equity capital to assets | 11.3872% | 2,548 |
| Core capital (leverage) ratio | 11.6242% | 1,786 |
| Tier 1 risk-based capital ratio | 15.0346% | 3,699 |
| Total risk-based capital ratio | 16.2893% | 3,648 |
| Memoranda: | ||
| Average total assets | $92,381,400 | 5,011 |
| Average earning assets | $84,394,200 | 5,003 |
| Average equity | $10,672,200 | 4,821 |
| Average total loans | $62,817,600 | 4,603 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9860% | 1,721 |
| Cost of funding earning assets | 1.4441% | 254 |
| Net interest margin | 3.5418% | 4,484 |
| Noninterest income to average assets | 0.4016% | 4,629 |
| Noninterest expense to average assets | 2.7978% | 3,989 |
| Loan and lease loss provision to assets | 0.1606% | 3,502 |
| Net operating income to assets | 0.6878% | 3,963 |
| Return on assets (ROA) | 0.7871% | 3,759 |
| Pretax return on assets | 0.7871% | 4,546 |
| Return on Equity (ROE) | 6.7874% | 3,916 |
| Retained earnings to average equity (ytd only) | 6.7874% | 2,233 |
| Net charge-offs to loans | -0.0371% | 6,631 |
| Credit loss provision to net charge-offs | -647.0588% | 6,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7321% | 2,557 |
| Assets per employee ($millions) | 4.6535% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7314% | 3,039 |
| Loan loss allowance to noncurrent loans | 71.3342% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 4.2893% | 1,097 |
| Noncurrent loans to loans | 2.4272% | 2,366 |
| Net loans and leases to total assets | 65.8619% | 2,678 |
| Net loans and leases to deposits | 75.1272% | 3,125 |
| Net loans and leases to core deposits | 83.2478% | 2,787 |
| Total domestic deposits to total assets | 87.6672% | 2,249 |
| Equity capital to assets | 11.9008% | 2,350 |
| Core capital (leverage) ratio | 11.5014% | 1,984 |
| Tier 1 risk-based capital ratio | 16.1601% | 3,186 |
| Total risk-based capital ratio | 17.4152% | 3,157 |
| Memoranda: | ||
| Average total assets | $91,307,000 | 5,093 |
| Average earning assets | $83,645,750 | 5,082 |
| Average equity | $10,588,000 | 4,893 |
| Average total loans | $61,029,000 | 4,723 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1054% | 1,491 |
| Cost of funding earning assets | 1.5070% | 238 |
| Net interest margin | 3.5984% | 4,270 |
| Noninterest income to average assets | 0.4078% | 4,591 |
| Noninterest expense to average assets | 2.8109% | 3,975 |
| Loan and lease loss provision to assets | 0.1764% | 3,338 |
| Net operating income to assets | 0.7055% | 3,841 |
| Return on assets (ROA) | 0.8554% | 3,378 |
| Pretax return on assets | 0.8554% | 4,255 |
| Return on Equity (ROE) | 7.4434% | 3,553 |
| Retained earnings to average equity (ytd only) | 7.4434% | 1,904 |
| Net charge-offs to loans | 0.0264% | 5,015 |
| Credit loss provision to net charge-offs | 1,000.0000% | 319 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 731 |
| Efficiency ratio | 76.1194% | 2,723 |
| Assets per employee ($millions) | 4.6331% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6782% | 3,325 |
| Loan loss allowance to noncurrent loans | 1,045.9184% | 393 |
| Noncurrent assets plus other real estate owned to assets | 3.0509% | 1,801 |
| Noncurrent loans to loans | 0.1604% | 6,265 |
| Net loans and leases to total assets | 64.8104% | 2,873 |
| Net loans and leases to deposits | 73.6832% | 3,345 |
| Net loans and leases to core deposits | 81.5132% | 3,020 |
| Total domestic deposits to total assets | 87.9583% | 2,172 |
| Equity capital to assets | 11.5842% | 2,506 |
| Core capital (leverage) ratio | 11.5242% | 1,888 |
| Tier 1 risk-based capital ratio | 15.7772% | 3,288 |
| Total risk-based capital ratio | 17.0309% | 3,260 |
| Memoranda: | ||
| Average total assets | $90,719,670 | 5,145 |
| Average earning assets | $82,815,000 | 5,132 |
| Average equity | $10,425,330 | 4,931 |
| Average total loans | $60,579,670 | 4,765 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2126% | 1,289 |
| Cost of funding earning assets | 1.5696% | 213 |
| Net interest margin | 3.6429% | 4,077 |
| Noninterest income to average assets | 0.4501% | 4,290 |
| Noninterest expense to average assets | 2.8836% | 3,689 |
| Loan and lease loss provision to assets | 0.2228% | 2,722 |
| Net operating income to assets | 0.6641% | 4,053 |
| Return on assets (ROA) | 0.8958% | 3,158 |
| Pretax return on assets | 0.8958% | 4,042 |
| Return on Equity (ROE) | 7.8279% | 3,356 |
| Retained earnings to average equity (ytd only) | 7.8279% | 2,045 |
| Net charge-offs to loans | 0.0133% | 4,513 |
| Credit loss provision to net charge-offs | 2,500.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 345 |
| Efficiency ratio | 76.4775% | 2,717 |
| Assets per employee ($millions) | 4.7834% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6716% | 3,457 |
| Loan loss allowance to noncurrent loans | 508.1218% | 676 |
| Noncurrent assets plus other real estate owned to assets | 3.2217% | 1,795 |
| Noncurrent loans to loans | 0.3290% | 6,010 |
| Net loans and leases to total assets | 64.7859% | 2,696 |
| Net loans and leases to deposits | 73.4540% | 3,206 |
| Net loans and leases to core deposits | 82.6606% | 2,738 |
| Total domestic deposits to total assets | 88.1992% | 2,188 |
| Equity capital to assets | 11.3287% | 2,598 |
| Core capital (leverage) ratio | 11.4565% | 1,920 |
| Tier 1 risk-based capital ratio | 15.8162% | 3,272 |
| Total risk-based capital ratio | 17.0700% | 3,236 |
| Memoranda: | ||
| Average total assets | $89,749,000 | 5,216 |
| Average earning assets | $81,802,500 | 5,197 |
| Average equity | $10,271,000 | 4,981 |
| Average total loans | $60,330,000 | 4,804 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6367% | 888 |
| Cost of funding earning assets | 1.7055% | 316 |
| Net interest margin | 3.9312% | 3,200 |
| Noninterest income to average assets | 0.3484% | 5,021 |
| Noninterest expense to average assets | 3.3747% | 2,307 |
| Loan and lease loss provision to assets | 0.4113% | 2,536 |
| Net operating income to assets | 0.1034% | 5,859 |
| Return on assets (ROA) | 0.1259% | 5,929 |
| Pretax return on assets | 0.1259% | 5,930 |
| Return on Equity (ROE) | 1.1299% | 5,936 |
| Retained earnings to average equity (ytd only) | 1.1299% | 5,329 |
| Net charge-offs to loans | 0.4147% | 3,349 |
| Credit loss provision to net charge-offs | 140.7692% | 2,091 |
| Earnings coverage of net charge-offs (x) | 1.7615% | 4,459 |
| Efficiency ratio | 86.7668% | 1,469 |
| Assets per employee ($millions) | 4.6639% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 3,717 |
| Loan loss allowance to noncurrent loans | 205.8315% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 4.4056% | 1,253 |
| Noncurrent loans to loans | 0.7618% | 5,171 |
| Net loans and leases to total assets | 67.5130% | 2,491 |
| Net loans and leases to deposits | 76.7384% | 3,050 |
| Net loans and leases to core deposits | 87.5622% | 2,422 |
| Total domestic deposits to total assets | 87.9782% | 2,178 |
| Equity capital to assets | 11.5625% | 2,458 |
| Core capital (leverage) ratio | 11.1177% | 2,178 |
| Tier 1 risk-based capital ratio | 15.3510% | 3,423 |
| Total risk-based capital ratio | 16.6033% | 3,371 |
| Memoranda: | ||
| Average total assets | $88,985,400 | 5,207 |
| Average earning assets | $80,153,000 | 5,229 |
| Average equity | $9,912,000 | 5,046 |
| Average total loans | $62,697,000 | 4,761 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6785% | 881 |
| Cost of funding earning assets | 1.7175% | 371 |
| Net interest margin | 3.9610% | 3,100 |
| Noninterest income to average assets | 0.3128% | 5,363 |
| Noninterest expense to average assets | 3.3318% | 2,396 |
| Loan and lease loss provision to assets | 0.2485% | 3,516 |
| Net operating income to assets | 0.2949% | 5,414 |
| Return on assets (ROA) | 0.3248% | 5,475 |
| Pretax return on assets | 0.3248% | 5,655 |
| Return on Equity (ROE) | 2.9438% | 5,445 |
| Retained earnings to average equity (ytd only) | 2.9438% | 4,587 |
| Net charge-offs to loans | 0.2490% | 3,872 |
| Credit loss provision to net charge-offs | 140.6780% | 2,259 |
| Earnings coverage of net charge-offs (x) | 3.0763% | 3,597 |
| Efficiency ratio | 85.9791% | 1,531 |
| Assets per employee ($millions) | 4.8128% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 4,597 |
| Loan loss allowance to noncurrent loans | 217.5182% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 5.2983% | 1,073 |
| Noncurrent loans to loans | 0.6398% | 5,610 |
| Net loans and leases to total assets | 69.2686% | 2,225 |
| Net loans and leases to deposits | 78.6037% | 2,870 |
| Net loans and leases to core deposits | 91.7070% | 2,034 |
| Total domestic deposits to total assets | 88.1239% | 1,975 |
| Equity capital to assets | 11.3643% | 2,806 |
| Core capital (leverage) ratio | 11.2663% | 2,180 |
| Tier 1 risk-based capital ratio | 14.5316% | 3,952 |
| Total risk-based capital ratio | 15.7818% | 3,933 |
| Memoranda: | ||
| Average total assets | $89,078,250 | 5,248 |
| Average earning assets | $80,113,000 | 5,267 |
| Average equity | $9,828,500 | 5,088 |
| Average total loans | $63,176,500 | 4,793 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6731% | 920 |
| Cost of funding earning assets | 1.7397% | 405 |
| Net interest margin | 3.9333% | 3,154 |
| Noninterest income to average assets | 0.2968% | 5,512 |
| Noninterest expense to average assets | 3.4138% | 2,223 |
| Loan and lease loss provision to assets | 0.2288% | 3,626 |
| Net operating income to assets | 0.1880% | 5,779 |
| Return on assets (ROA) | 0.2333% | 5,738 |
| Pretax return on assets | 0.2333% | 5,854 |
| Return on Equity (ROE) | 2.1368% | 5,746 |
| Retained earnings to average equity (ytd only) | 2.1368% | 4,922 |
| Net charge-offs to loans | 0.3693% | 3,073 |
| Credit loss provision to net charge-offs | 87.0690% | 3,549 |
| Earnings coverage of net charge-offs (x) | 1.5862% | 4,096 |
| Efficiency ratio | 89.1189% | 1,311 |
| Assets per employee ($millions) | 4.6904% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 5,058 |
| Loan loss allowance to noncurrent loans | 152.1024% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 5.4187% | 1,092 |
| Noncurrent loans to loans | 0.8551% | 5,237 |
| Net loans and leases to total assets | 70.8488% | 2,046 |
| Net loans and leases to deposits | 80.1480% | 2,762 |
| Net loans and leases to core deposits | 90.9784% | 2,260 |
| Total domestic deposits to total assets | 88.3974% | 1,919 |
| Equity capital to assets | 11.1223% | 2,843 |
| Core capital (leverage) ratio | 11.4054% | 1,973 |
| Tier 1 risk-based capital ratio | 14.5290% | 3,764 |
| Total risk-based capital ratio | 15.7257% | 3,779 |
| Memoranda: | ||
| Average total assets | $88,289,670 | 5,302 |
| Average earning assets | $79,322,000 | 5,334 |
| Average equity | $9,640,670 | 5,142 |
| Average total loans | $62,823,330 | 4,838 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6550% | 965 |
| Cost of funding earning assets | 1.7685% | 422 |
| Net interest margin | 3.8865% | 3,208 |
| Noninterest income to average assets | 0.3232% | 5,339 |
| Noninterest expense to average assets | 3.5641% | 1,841 |
| Loan and lease loss provision to assets | 0.0910% | 4,873 |
| Net operating income to assets | 0.1593% | 5,914 |
| Return on assets (ROA) | 0.2413% | 5,709 |
| Pretax return on assets | 0.2413% | 5,831 |
| Return on Equity (ROE) | 2.2304% | 5,703 |
| Retained earnings to average equity (ytd only) | 2.2304% | 4,807 |
| Net charge-offs to loans | 0.5590% | 2,093 |
| Credit loss provision to net charge-offs | 22.9885% | 4,225 |
| Earnings coverage of net charge-offs (x) | 0.6322% | 4,152 |
| Efficiency ratio | 93.4368% | 1,069 |
| Assets per employee ($millions) | 4.6508% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 5,323 |
| Loan loss allowance to noncurrent loans | 125.0401% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 5.5520% | 1,085 |
| Noncurrent loans to loans | 1.0109% | 5,034 |
| Net loans and leases to total assets | 68.8621% | 2,361 |
| Net loans and leases to deposits | 77.8412% | 3,084 |
| Net loans and leases to core deposits | 88.4268% | 2,545 |
| Total domestic deposits to total assets | 88.4649% | 2,101 |
| Equity capital to assets | 10.7859% | 2,890 |
| Core capital (leverage) ratio | 11.4368% | 1,884 |
| Tier 1 risk-based capital ratio | 14.8870% | 3,484 |
| Total risk-based capital ratio | 16.0412% | 3,519 |
| Memoranda: | ||
| Average total assets | $87,875,500 | 5,360 |
| Average earning assets | $78,939,000 | 5,392 |
| Average equity | $9,505,000 | 5,176 |
| Average total loans | $62,249,500 | 4,892 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9059% | 1,030 |
| Cost of funding earning assets | 1.8914% | 871 |
| Net interest margin | 4.0145% | 2,957 |
| Noninterest income to average assets | 0.6042% | 3,451 |
| Noninterest expense to average assets | 3.0557% | 3,645 |
| Loan and lease loss provision to assets | 0.8196% | 1,997 |
| Net operating income to assets | 0.3577% | 4,714 |
| Return on assets (ROA) | 0.3649% | 4,844 |
| Pretax return on assets | 0.3649% | 5,042 |
| Return on Equity (ROE) | 3.0939% | 4,921 |
| Retained earnings to average equity (ytd only) | 3.0939% | 3,692 |
| Net charge-offs to loans | 1.0117% | 2,174 |
| Credit loss provision to net charge-offs | 108.5578% | 4,072 |
| Earnings coverage of net charge-offs (x) | 1.5594% | 4,571 |
| Efficiency ratio | 72.1877% | 3,752 |
| Assets per employee ($millions) | 4.3693% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 4,777 |
| Loan loss allowance to noncurrent loans | 90.5782% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 5.7435% | 1,059 |
| Noncurrent loans to loans | 1.4856% | 4,250 |
| Net loans and leases to total assets | 70.9770% | 2,311 |
| Net loans and leases to deposits | 80.0041% | 3,177 |
| Net loans and leases to core deposits | 90.9736% | 2,623 |
| Total domestic deposits to total assets | 88.7167% | 1,814 |
| Equity capital to assets | 10.8473% | 2,819 |
| Core capital (leverage) ratio | 11.4354% | 1,873 |
| Tier 1 risk-based capital ratio | 14.8210% | 3,358 |
| Total risk-based capital ratio | 16.0714% | 3,314 |
| Memoranda: | ||
| Average total assets | $83,582,000 | 5,480 |
| Average earning assets | $75,551,400 | 5,492 |
| Average equity | $9,858,200 | 5,173 |
| Average total loans | $62,367,600 | 4,978 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9204% | 1,082 |
| Cost of funding earning assets | 1.9123% | 992 |
| Net interest margin | 4.0081% | 3,064 |
| Noninterest income to average assets | 0.6890% | 2,882 |
| Noninterest expense to average assets | 3.0383% | 3,615 |
| Loan and lease loss provision to assets | 0.5696% | 2,654 |
| Net operating income to assets | 0.7100% | 3,366 |
| Return on assets (ROA) | 0.7196% | 3,479 |
| Pretax return on assets | 0.7196% | 4,175 |
| Return on Equity (ROE) | 5.9746% | 3,826 |
| Retained earnings to average equity (ytd only) | 5.9746% | 2,369 |
| Net charge-offs to loans | 0.4820% | 3,348 |
| Credit loss provision to net charge-offs | 156.8889% | 2,439 |
| Earnings coverage of net charge-offs (x) | 3.5245% | 3,410 |
| Efficiency ratio | 70.3662% | 3,989 |
| Assets per employee ($millions) | 4.2551% | 3,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 4,021 |
| Loan loss allowance to noncurrent loans | 70.5030% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 6.2631% | 924 |
| Noncurrent loans to loans | 2.1107% | 3,559 |
| Net loans and leases to total assets | 71.9557% | 2,258 |
| Net loans and leases to deposits | 82.2874% | 3,050 |
| Net loans and leases to core deposits | 92.5811% | 2,715 |
| Total domestic deposits to total assets | 87.4443% | 2,292 |
| Equity capital to assets | 12.0680% | 2,116 |
| Core capital (leverage) ratio | 12.2198% | 1,556 |
| Tier 1 risk-based capital ratio | 15.3341% | 3,081 |
| Total risk-based capital ratio | 16.5859% | 3,045 |
| Memoranda: | ||
| Average total assets | $82,631,000 | 5,573 |
| Average earning assets | $74,812,500 | 5,580 |
| Average equity | $9,953,000 | 5,207 |
| Average total loans | $62,242,000 | 5,056 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0595% | 827 |
| Cost of funding earning assets | 2.0172% | 868 |
| Net interest margin | 4.0424% | 2,829 |
| Noninterest income to average assets | 0.8581% | 1,844 |
| Noninterest expense to average assets | 3.0706% | 3,428 |
| Loan and lease loss provision to assets | 0.7310% | 1,990 |
| Net operating income to assets | 0.7261% | 3,295 |
| Return on assets (ROA) | 0.7408% | 3,382 |
| Pretax return on assets | 0.7408% | 4,104 |
| Return on Equity (ROE) | 6.1540% | 3,724 |
| Retained earnings to average equity (ytd only) | 6.1540% | 2,250 |
| Net charge-offs to loans | 0.5075% | 3,008 |
| Credit loss provision to net charge-offs | 189.2405% | 2,081 |
| Earnings coverage of net charge-offs (x) | 3.7722% | 3,181 |
| Efficiency ratio | 67.8186% | 4,617 |
| Assets per employee ($millions) | 3.8838% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 4,021 |
| Loan loss allowance to noncurrent loans | 44.5394% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 5.8534% | 1,021 |
| Noncurrent loans to loans | 3.3213% | 2,408 |
| Net loans and leases to total assets | 76.5949% | 1,373 |
| Net loans and leases to deposits | 87.9574% | 2,173 |
| Net loans and leases to core deposits | 97.8218% | 2,251 |
| Total domestic deposits to total assets | 87.0817% | 2,489 |
| Equity capital to assets | 12.4205% | 1,850 |
| Core capital (leverage) ratio | 11.9495% | 1,671 |
| Tier 1 risk-based capital ratio | 15.4818% | 2,902 |
| Total risk-based capital ratio | 16.7346% | 2,867 |
| Memoranda: | ||
| Average total assets | $81,807,670 | 5,635 |
| Average earning assets | $74,263,000 | 5,631 |
| Average equity | $9,847,330 | 5,248 |
| Average total loans | $62,269,330 | 5,092 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9188% | 1,159 |
| Cost of funding earning assets | 2.1038% | 805 |
| Net interest margin | 3.8149% | 3,728 |
| Noninterest income to average assets | 1.3426% | 666 |
| Noninterest expense to average assets | 2.9976% | 3,684 |
| Loan and lease loss provision to assets | 1.0643% | 1,160 |
| Net operating income to assets | 0.7421% | 3,250 |
| Return on assets (ROA) | 0.7714% | 3,214 |
| Pretax return on assets | 0.7714% | 3,985 |
| Return on Equity (ROE) | 6.5114% | 3,614 |
| Retained earnings to average equity (ytd only) | 6.5114% | 2,360 |
| Net charge-offs to loans | 1.0827% | 1,541 |
| Credit loss provision to net charge-offs | 130.5389% | 2,701 |
| Earnings coverage of net charge-offs (x) | 2.2156% | 3,435 |
| Efficiency ratio | 62.3984% | 5,754 |
| Assets per employee ($millions) | 3.9690% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 4,793 |
| Loan loss allowance to noncurrent loans | 43.6110% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 5.5562% | 1,112 |
| Noncurrent loans to loans | 3.0411% | 2,637 |
| Net loans and leases to total assets | 75.2499% | 1,688 |
| Net loans and leases to deposits | 86.5414% | 2,495 |
| Net loans and leases to core deposits | 96.9982% | 2,462 |
| Total domestic deposits to total assets | 86.9525% | 2,651 |
| Equity capital to assets | 11.7638% | 2,192 |
| Core capital (leverage) ratio | 11.9489% | 1,672 |
| Tier 1 risk-based capital ratio | 15.0469% | 3,102 |
| Total risk-based capital ratio | 16.2976% | 3,053 |
| Memoranda: | ||
| Average total assets | $81,932,000 | 5,710 |
| Average earning assets | $74,340,000 | 5,694 |
| Average equity | $9,706,000 | 5,321 |
| Average total loans | $61,700,000 | 5,189 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8946% | 2,261 |
| Cost of funding earning assets | 2.7066% | 575 |
| Net interest margin | 3.1880% | 6,139 |
| Noninterest income to average assets | 0.1479% | 6,997 |
| Noninterest expense to average assets | 3.4524% | 2,518 |
| Loan and lease loss provision to assets | 1.8176% | 1,238 |
| Net operating income to assets | -2.1992% | 7,165 |
| Return on assets (ROA) | -1.9705% | 7,082 |
| Pretax return on assets | -1.9705% | 6,935 |
| Return on Equity (ROE) | -15.7796% | 6,974 |
| Retained earnings to average equity (ytd only) | -15.7796% | 6,926 |
| Net charge-offs to loans | 2.5894% | 880 |
| Credit loss provision to net charge-offs | 96.6931% | 5,748 |
| Earnings coverage of net charge-offs (x) | -0.2030% | 6,446 |
| Efficiency ratio | 112.4291% | 758 |
| Assets per employee ($millions) | 4.0258% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 4,623 |
| Loan loss allowance to noncurrent loans | 47.4820% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 5.5915% | 1,046 |
| Noncurrent loans to loans | 2.7876% | 2,769 |
| Net loans and leases to total assets | 73.3342% | 2,417 |
| Net loans and leases to deposits | 83.8993% | 3,294 |
| Net loans and leases to core deposits | 146.1691% | 606 |
| Total domestic deposits to total assets | 87.4073% | 2,262 |
| Equity capital to assets | 11.9319% | 2,070 |
| Core capital (leverage) ratio | 11.9129% | 1,702 |
| Tier 1 risk-based capital ratio | 14.7984% | 3,047 |
| Total risk-based capital ratio | 16.0137% | 3,023 |
| Memoranda: | ||
| Average total assets | $80,437,400 | 5,714 |
| Average earning assets | $73,746,000 | 5,694 |
| Average equity | $10,044,600 | 5,288 |
| Average total loans | $58,391,200 | 5,321 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8090% | 2,850 |
| Cost of funding earning assets | 2.8081% | 584 |
| Net interest margin | 3.0009% | 6,612 |
| Noninterest income to average assets | 0.0895% | 7,450 |
| Noninterest expense to average assets | 3.6077% | 2,016 |
| Loan and lease loss provision to assets | 2.3261% | 730 |
| Net operating income to assets | -3.0838% | 7,608 |
| Return on assets (ROA) | -2.7837% | 7,540 |
| Pretax return on assets | -2.7837% | 7,446 |
| Return on Equity (ROE) | -22.0466% | 7,443 |
| Retained earnings to average equity (ytd only) | -22.0466% | 7,411 |
| Net charge-offs to loans | 3.4188% | 440 |
| Credit loss provision to net charge-offs | 94.2876% | 5,362 |
| Earnings coverage of net charge-offs (x) | -0.3071% | 6,361 |
| Efficiency ratio | 126.5852% | 512 |
| Assets per employee ($millions) | 4.0519% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 4,786 |
| Loan loss allowance to noncurrent loans | 36.8549% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 4.2252% | 1,482 |
| Noncurrent loans to loans | 3.4079% | 2,208 |
| Net loans and leases to total assets | 73.4396% | 2,677 |
| Net loans and leases to deposits | 84.0273% | 3,635 |
| Net loans and leases to core deposits | 145.0217% | 726 |
| Total domestic deposits to total assets | 87.3997% | 1,947 |
| Equity capital to assets | 11.9142% | 2,286 |
| Core capital (leverage) ratio | 11.7238% | 1,957 |
| Tier 1 risk-based capital ratio | 15.0820% | 3,002 |
| Total risk-based capital ratio | 16.2776% | 2,968 |
| Memoranda: | ||
| Average total assets | $80,418,000 | 5,746 |
| Average earning assets | $73,974,750 | 5,721 |
| Average equity | $10,154,000 | 5,298 |
| Average total loans | $58,029,750 | 5,380 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7116% | 3,470 |
| Cost of funding earning assets | 2.9156% | 585 |
| Net interest margin | 2.7959% | 7,019 |
| Noninterest income to average assets | 0.1147% | 7,409 |
| Noninterest expense to average assets | 3.9172% | 1,453 |
| Loan and lease loss provision to assets | 3.4284% | 421 |
| Net operating income to assets | -4.6677% | 7,912 |
| Return on assets (ROA) | -4.3759% | 7,878 |
| Pretax return on assets | -4.3759% | 7,790 |
| Return on Equity (ROE) | -34.0105% | 7,768 |
| Retained earnings to average equity (ytd only) | -34.0105% | 7,744 |
| Net charge-offs to loans | 5.1010% | 241 |
| Credit loss provision to net charge-offs | 94.1136% | 4,798 |
| Earnings coverage of net charge-offs (x) | -0.3402% | 5,986 |
| Efficiency ratio | 146.2756% | 388 |
| Assets per employee ($millions) | 3.7349% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 4,442 |
| Loan loss allowance to noncurrent loans | 34.2236% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 4.3569% | 1,314 |
| Noncurrent loans to loans | 3.7202% | 1,870 |
| Net loans and leases to total assets | 71.3441% | 3,395 |
| Net loans and leases to deposits | 81.2592% | 4,349 |
| Net loans and leases to core deposits | 135.9351% | 1,213 |
| Total domestic deposits to total assets | 87.7982% | 1,868 |
| Equity capital to assets | 11.5069% | 2,537 |
| Core capital (leverage) ratio | 11.5540% | 2,060 |
| Tier 1 risk-based capital ratio | 15.4228% | 2,848 |
| Total risk-based capital ratio | 16.6623% | 2,781 |
| Memoranda: | ||
| Average total assets | $80,211,330 | 5,793 |
| Average earning assets | $73,535,000 | 5,768 |
| Average equity | $10,320,330 | 5,276 |
| Average total loans | $57,282,670 | 5,456 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7663% | 3,447 |
| Cost of funding earning assets | 3.0492% | 531 |
| Net interest margin | 2.7172% | 7,165 |
| Noninterest income to average assets | 0.2979% | 6,053 |
| Noninterest expense to average assets | 3.1199% | 3,303 |
| Loan and lease loss provision to assets | 5.3463% | 148 |
| Net operating income to assets | -5.6895% | 8,075 |
| Return on assets (ROA) | -5.2049% | 8,043 |
| Pretax return on assets | -5.2049% | 8,001 |
| Return on Equity (ROE) | -38.3521% | 7,972 |
| Retained earnings to average equity (ytd only) | -38.3521% | 7,948 |
| Net charge-offs to loans | 8.4289% | 87 |
| Credit loss provision to net charge-offs | 89.3671% | 4,024 |
| Earnings coverage of net charge-offs (x) | -0.0574% | 5,032 |
| Efficiency ratio | 112.3636% | 761 |
| Assets per employee ($millions) | 3.5482% | 4,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 4,404 |
| Loan loss allowance to noncurrent loans | 30.3776% | 6,524 |
| Noncurrent assets plus other real estate owned to assets | 4.5339% | 1,055 |
| Noncurrent loans to loans | 4.1236% | 1,448 |
| Net loans and leases to total assets | 69.1636% | 3,880 |
| Net loans and leases to deposits | 79.7071% | 4,660 |
| Net loans and leases to core deposits | 139.9633% | 1,101 |
| Total domestic deposits to total assets | 86.7721% | 2,326 |
| Equity capital to assets | 12.4265% | 2,014 |
| Core capital (leverage) ratio | 12.9268% | 1,505 |
| Tier 1 risk-based capital ratio | 17.0430% | 2,326 |
| Total risk-based capital ratio | 18.2479% | 2,272 |
| Memoranda: | ||
| Average total assets | $79,233,000 | 5,856 |
| Average earning assets | $72,281,500 | 5,834 |
| Average equity | $10,753,000 | 5,167 |
| Average total loans | $56,235,000 | 5,532 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7250% | 1,938 |
| Cost of funding earning assets | 3.5800% | 418 |
| Net interest margin | 3.1451% | 6,535 |
| Noninterest income to average assets | 0.3827% | 5,612 |
| Noninterest expense to average assets | 3.4403% | 2,553 |
| Loan and lease loss provision to assets | 1.5848% | 835 |
| Net operating income to assets | -1.7209% | 7,533 |
| Return on assets (ROA) | -1.5749% | 7,441 |
| Pretax return on assets | -1.5749% | 7,290 |
| Return on Equity (ROE) | -11.0317% | 7,346 |
| Retained earnings to average equity (ytd only) | -11.0317% | 7,162 |
| Net charge-offs to loans | 1.6167% | 703 |
| Credit loss provision to net charge-offs | 142.0584% | 3,729 |
| Earnings coverage of net charge-offs (x) | -0.1220% | 6,330 |
| Efficiency ratio | 104.1184% | 866 |
| Assets per employee ($millions) | 3.3417% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 2,578 |
| Loan loss allowance to noncurrent loans | 24.3775% | 7,038 |
| Noncurrent assets plus other real estate owned to assets | 4.4940% | 837 |
| Noncurrent loans to loans | 6.2447% | 535 |
| Net loans and leases to total assets | 70.8697% | 3,820 |
| Net loans and leases to deposits | 85.0175% | 4,250 |
| Net loans and leases to core deposits | 153.0200% | 748 |
| Total domestic deposits to total assets | 83.3589% | 3,632 |
| Equity capital to assets | 14.7870% | 1,219 |
| Core capital (leverage) ratio | 14.6721% | 1,099 |
| Tier 1 risk-based capital ratio | 19.2785% | 1,757 |
| Total risk-based capital ratio | 20.5312% | 1,710 |
| Memoranda: | ||
| Average total assets | $70,545,600 | 6,020 |
| Average earning assets | $65,531,200 | 5,979 |
| Average equity | $10,071,000 | 5,390 |
| Average total loans | $48,678,200 | 5,749 |