Home > The Farmers & Merchants Bank > Performance and Condition Ratios
The Farmers & Merchants Bank, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3377% | 4,605 |
| Cost of funding earning assets | 0.6164% | 2,883 |
| Net interest margin | 2.7214% | 4,534 |
| Noninterest income to average assets | 0.3926% | 3,129 |
| Noninterest expense to average assets | 2.7177% | 2,329 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1187% | 4,665 |
| Return on assets (ROA) | 0.5918% | 3,848 |
| Pretax return on assets | 0.5918% | 4,077 |
| Return on Equity (ROE) | 6.2584% | 3,417 |
| Retained earnings to average equity (ytd only) | 6.2584% | 1,960 |
| Net charge-offs to loans | -0.0711% | 4,770 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8136% | 247 |
| Assets per employee ($millions) | 4.0799% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5716% | 4,773 |
| Loan loss allowance to noncurrent loans | 104.2105% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3459% | 2,914 |
| Noncurrent loans to loans | 0.5485% | 2,525 |
| Net loans and leases to total assets | 31.2642% | 4,834 |
| Net loans and leases to deposits | 36.1067% | 4,860 |
| Net loans and leases to core deposits | 36.3000% | 4,875 |
| Total domestic deposits to total assets | 86.5884% | 1,776 |
| Equity capital to assets | 9.3520% | 3,779 |
| Core capital (leverage) ratio | 9.1034% | 3,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,426,333 | 3,934 |
| Average earning assets | $93,776,667 | 3,975 |
| Average equity | $9,874,667 | 4,230 |
| Average total loans | $33,770,667 | 4,487 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5719% | 4,564 |
| Cost of funding earning assets | 0.6571% | 3,136 |
| Net interest margin | 2.9149% | 4,410 |
| Noninterest income to average assets | 0.5553% | 2,251 |
| Noninterest expense to average assets | 3.0602% | 1,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0985% | 4,660 |
| Return on assets (ROA) | 0.9846% | 2,332 |
| Pretax return on assets | 0.9846% | 2,889 |
| Return on Equity (ROE) | 10.3509% | 1,626 |
| Retained earnings to average equity (ytd only) | 10.3509% | 675 |
| Net charge-offs to loans | -0.0360% | 4,529 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8828% | 302 |
| Assets per employee ($millions) | 3.8584% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5672% | 4,807 |
| Loan loss allowance to noncurrent loans | 73.2558% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.6594% | 2,027 |
| Noncurrent loans to loans | 0.7742% | 2,066 |
| Net loans and leases to total assets | 31.8061% | 4,869 |
| Net loans and leases to deposits | 36.7676% | 4,898 |
| Net loans and leases to core deposits | 36.9761% | 4,914 |
| Total domestic deposits to total assets | 86.5058% | 1,775 |
| Equity capital to assets | 9.1574% | 4,499 |
| Core capital (leverage) ratio | 9.2827% | 4,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,560,500 | 3,969 |
| Average earning assets | $90,707,500 | 4,015 |
| Average equity | $9,661,000 | 4,275 |
| Average total loans | $33,337,000 | 4,525 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 4,323 |
| Cost of funding earning assets | 0.6812% | 3,256 |
| Net interest margin | 3.2901% | 4,014 |
| Noninterest income to average assets | 0.2187% | 4,357 |
| Noninterest expense to average assets | 3.0543% | 1,864 |
| Loan and lease loss provision to assets | 0.0221% | 3,586 |
| Net operating income to assets | 0.0732% | 4,940 |
| Return on assets (ROA) | 0.2377% | 4,832 |
| Pretax return on assets | 0.2377% | 4,862 |
| Return on Equity (ROE) | 2.5809% | 4,730 |
| Retained earnings to average equity (ytd only) | 0.8385% | 4,440 |
| Net charge-offs to loans | 0.2168% | 941 |
| Credit loss provision to net charge-offs | 30.9859% | 3,265 |
| Earnings coverage of net charge-offs (x) | 1.3380% | 3,551 |
| Efficiency ratio | 96.9745% | 194 |
| Assets per employee ($millions) | 3.2981% | 4,642 |
| Cash dividends to net income (ytd only)* | 67.5105% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5577% | 4,808 |
| Loan loss allowance to noncurrent loans | 67.1480% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 0.7135% | 1,816 |
| Noncurrent loans to loans | 0.8306% | 1,847 |
| Net loans and leases to total assets | 33.5183% | 4,908 |
| Net loans and leases to deposits | 39.2186% | 4,920 |
| Net loans and leases to core deposits | 39.4542% | 4,954 |
| Total domestic deposits to total assets | 85.4654% | 2,308 |
| Equity capital to assets | 9.8865% | 4,023 |
| Core capital (leverage) ratio | 9.3672% | 4,203 |
| Tier 1 risk-based capital ratio | 18.9220% | 1,534 |
| Total risk-based capital ratio | 19.2988% | 1,704 |
| Memoranda: | ||
| Average total assets | $99,697,000 | 4,006 |
| Average earning assets | $88,810,600 | 4,060 |
| Average equity | $9,182,800 | 4,346 |
| Average total loans | $32,746,000 | 4,588 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0260% | 4,309 |
| Cost of funding earning assets | 0.6792% | 3,314 |
| Net interest margin | 3.3468% | 3,997 |
| Noninterest income to average assets | 0.5393% | 2,515 |
| Noninterest expense to average assets | 3.1128% | 1,689 |
| Loan and lease loss provision to assets | 0.0294% | 3,314 |
| Net operating income to assets | 0.3764% | 4,759 |
| Return on assets (ROA) | 0.5780% | 4,397 |
| Pretax return on assets | 0.5780% | 4,583 |
| Return on Equity (ROE) | 6.3912% | 3,922 |
| Retained earnings to average equity (ytd only) | 4.0296% | 3,381 |
| Net charge-offs to loans | 0.2495% | 709 |
| Credit loss provision to net charge-offs | 36.0656% | 2,878 |
| Earnings coverage of net charge-offs (x) | 4.9836% | 2,964 |
| Efficiency ratio | 88.4674% | 373 |
| Assets per employee ($millions) | 3.3110% | 4,664 |
| Cash dividends to net income (ytd only)* | 36.9518% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5820% | 4,855 |
| Loan loss allowance to noncurrent loans | 79.3522% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 0.8819% | 1,554 |
| Noncurrent loans to loans | 0.7334% | 2,132 |
| Net loans and leases to total assets | 33.7075% | 4,994 |
| Net loans and leases to deposits | 39.4881% | 5,011 |
| Net loans and leases to core deposits | 39.7247% | 5,041 |
| Total domestic deposits to total assets | 85.3611% | 2,267 |
| Equity capital to assets | 9.9395% | 4,083 |
| Core capital (leverage) ratio | 9.5594% | 4,106 |
| Tier 1 risk-based capital ratio | 19.2773% | 1,511 |
| Total risk-based capital ratio | 19.6734% | 1,672 |
| Memoranda: | ||
| Average total assets | $99,885,500 | 4,045 |
| Average earning assets | $88,919,750 | 4,111 |
| Average equity | $9,033,000 | 4,420 |
| Average total loans | $32,595,000 | 4,653 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0316% | 4,313 |
| Cost of funding earning assets | 0.6667% | 3,328 |
| Net interest margin | 3.3649% | 3,999 |
| Noninterest income to average assets | 0.5456% | 2,412 |
| Noninterest expense to average assets | 3.1898% | 1,533 |
| Loan and lease loss provision to assets | 0.0440% | 2,943 |
| Net operating income to assets | 0.3078% | 4,867 |
| Return on assets (ROA) | 0.4217% | 4,719 |
| Pretax return on assets | 0.4217% | 4,804 |
| Return on Equity (ROE) | 4.8212% | 4,386 |
| Retained earnings to average equity (ytd only) | 1.1653% | 4,388 |
| Net charge-offs to loans | 0.4343% | 382 |
| Credit loss provision to net charge-offs | 31.4286% | 2,593 |
| Earnings coverage of net charge-offs (x) | 2.5143% | 2,933 |
| Efficiency ratio | 90.0677% | 350 |
| Assets per employee ($millions) | 3.3636% | 4,650 |
| Cash dividends to net income (ytd only)* | 75.8294% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5479% | 4,955 |
| Loan loss allowance to noncurrent loans | 72.4806% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.1753% | 1,146 |
| Noncurrent loans to loans | 0.7559% | 2,091 |
| Net loans and leases to total assets | 33.6392% | 5,034 |
| Net loans and leases to deposits | 39.1171% | 5,063 |
| Net loans and leases to core deposits | 39.3451% | 5,089 |
| Total domestic deposits to total assets | 85.9963% | 2,035 |
| Equity capital to assets | 9.4303% | 4,471 |
| Core capital (leverage) ratio | 9.2872% | 4,367 |
| Tier 1 risk-based capital ratio | 18.1786% | 1,758 |
| Total risk-based capital ratio | 18.5435% | 1,950 |
| Memoranda: | ||
| Average total assets | $100,070,330 | 4,067 |
| Average earning assets | $89,096,670 | 4,133 |
| Average equity | $8,753,000 | 4,475 |
| Average total loans | $32,234,000 | 4,698 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0299% | 4,304 |
| Cost of funding earning assets | 0.6370% | 3,369 |
| Net interest margin | 3.3929% | 3,907 |
| Noninterest income to average assets | 0.5820% | 2,133 |
| Noninterest expense to average assets | 3.0747% | 1,794 |
| Loan and lease loss provision to assets | 0.0883% | 1,945 |
| Net operating income to assets | 0.4335% | 4,662 |
| Return on assets (ROA) | 0.5218% | 4,478 |
| Pretax return on assets | 0.5218% | 4,636 |
| Return on Equity (ROE) | 6.2116% | 3,951 |
| Retained earnings to average equity (ytd only) | 2.8669% | 3,789 |
| Net charge-offs to loans | 1.0101% | 137 |
| Credit loss provision to net charge-offs | 27.8481% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1.6456% | 2,573 |
| Efficiency ratio | 85.4911% | 614 |
| Assets per employee ($millions) | 3.0611% | 4,941 |
| Cash dividends to net income (ytd only)* | 53.8462% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5590% | 5,006 |
| Loan loss allowance to noncurrent loans | 85.9903% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.1236% | 1,224 |
| Noncurrent loans to loans | 0.6501% | 2,391 |
| Net loans and leases to total assets | 31.3468% | 5,128 |
| Net loans and leases to deposits | 36.1650% | 5,147 |
| Net loans and leases to core deposits | 36.3740% | 5,168 |
| Total domestic deposits to total assets | 86.6772% | 1,974 |
| Equity capital to assets | 8.6749% | 4,891 |
| Core capital (leverage) ratio | 9.3207% | 4,345 |
| Tier 1 risk-based capital ratio | 18.1600% | 1,755 |
| Total risk-based capital ratio | 18.5067% | 1,969 |
| Memoranda: | ||
| Average total assets | $99,651,000 | 4,114 |
| Average earning assets | $88,538,500 | 4,173 |
| Average equity | $8,371,500 | 4,560 |
| Average total loans | $31,285,000 | 4,764 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7151% | 4,644 |
| Cost of funding earning assets | 0.5025% | 3,333 |
| Net interest margin | 3.2126% | 4,461 |
| Noninterest income to average assets | 0.6051% | 2,265 |
| Noninterest expense to average assets | 3.1583% | 1,652 |
| Loan and lease loss provision to assets | 0.0051% | 4,013 |
| Net operating income to assets | 0.3082% | 4,996 |
| Return on assets (ROA) | 0.3092% | 4,986 |
| Pretax return on assets | 0.3000% | 5,044 |
| Return on Equity (ROE) | 3.7861% | 4,761 |
| Retained earnings to average equity (ytd only) | 0.6623% | 4,818 |
| Net charge-offs to loans | 0.0161% | 3,145 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 59.6000% | 1,026 |
| Efficiency ratio | 91.2172% | 300 |
| Assets per employee ($millions) | 2.9784% | 5,005 |
| Cash dividends to net income (ytd only)* | 82.5083% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7648% | 4,636 |
| Loan loss allowance to noncurrent loans | 33.8617% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.2260% | 1,057 |
| Noncurrent loans to loans | 2.2586% | 567 |
| Net loans and leases to total assets | 31.0234% | 5,188 |
| Net loans and leases to deposits | 35.5575% | 5,206 |
| Net loans and leases to core deposits | 35.7669% | 5,221 |
| Total domestic deposits to total assets | 87.2486% | 1,665 |
| Equity capital to assets | 8.1191% | 5,120 |
| Core capital (leverage) ratio | 9.4745% | 4,144 |
| Tier 1 risk-based capital ratio | 15.9648% | 2,415 |
| Total risk-based capital ratio | 16.3697% | 2,711 |
| Memoranda: | ||
| Average total assets | $97,996,200 | 4,128 |
| Average earning assets | $87,157,800 | 4,202 |
| Average equity | $8,003,000 | 4,605 |
| Average total loans | $30,976,600 | 4,793 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7285% | 4,598 |
| Cost of funding earning assets | 0.4731% | 3,375 |
| Net interest margin | 3.2554% | 4,389 |
| Noninterest income to average assets | 0.6073% | 2,270 |
| Noninterest expense to average assets | 3.1657% | 1,610 |
| Loan and lease loss provision to assets | 0.0068% | 3,837 |
| Net operating income to assets | 0.3295% | 5,060 |
| Return on assets (ROA) | 0.3309% | 5,052 |
| Pretax return on assets | 0.3309% | 5,107 |
| Return on Equity (ROE) | 4.0455% | 4,809 |
| Retained earnings to average equity (ytd only) | 0.7158% | 4,912 |
| Net charge-offs to loans | 0.0602% | 1,962 |
| Credit loss provision to net charge-offs | 35.7143% | 2,940 |
| Earnings coverage of net charge-offs (x) | 17.6395% | 2,104 |
| Efficiency ratio | 90.3966% | 315 |
| Assets per employee ($millions) | 2.8921% | 5,112 |
| Cash dividends to net income (ytd only)* | 82.3050% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7180% | 4,840 |
| Loan loss allowance to noncurrent loans | 31.2155% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 1.2825% | 1,072 |
| Noncurrent loans to loans | 2.3002% | 596 |
| Net loans and leases to total assets | 32.7427% | 5,226 |
| Net loans and leases to deposits | 37.6054% | 5,249 |
| Net loans and leases to core deposits | 37.8340% | 5,271 |
| Total domestic deposits to total assets | 87.0691% | 1,698 |
| Equity capital to assets | 7.9539% | 5,194 |
| Core capital (leverage) ratio | 9.3899% | 4,287 |
| Tier 1 risk-based capital ratio | 19.4437% | 1,444 |
| Total risk-based capital ratio | 19.9185% | 1,582 |
| Memoranda: | ||
| Average total assets | $97,923,500 | 4,171 |
| Average earning assets | $87,074,750 | 4,244 |
| Average equity | $8,008,750 | 4,654 |
| Average total loans | $31,039,000 | 4,846 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6459% | 4,689 |
| Cost of funding earning assets | 0.4577% | 3,301 |
| Net interest margin | 3.1882% | 4,535 |
| Noninterest income to average assets | 0.6278% | 2,190 |
| Noninterest expense to average assets | 3.1756% | 1,599 |
| Loan and lease loss provision to assets | 0.0101% | 3,648 |
| Net operating income to assets | 0.2775% | 5,150 |
| Return on assets (ROA) | 0.2694% | 5,155 |
| Pretax return on assets | 0.2694% | 5,187 |
| Return on Equity (ROE) | 3.2646% | 4,970 |
| Retained earnings to average equity (ytd only) | 0.0736% | 4,943 |
| Net charge-offs to loans | 0.1360% | 1,104 |
| Credit loss provision to net charge-offs | 23.8095% | 2,666 |
| Earnings coverage of net charge-offs (x) | 6.7619% | 2,594 |
| Efficiency ratio | 91.6959% | 319 |
| Assets per employee ($millions) | 2.9713% | 5,116 |
| Cash dividends to net income (ytd only)* | 97.7444% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6958% | 4,952 |
| Loan loss allowance to noncurrent loans | 31.3305% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 1.2228% | 1,175 |
| Noncurrent loans to loans | 2.2208% | 623 |
| Net loans and leases to total assets | 31.8766% | 5,290 |
| Net loans and leases to deposits | 36.5696% | 5,313 |
| Net loans and leases to core deposits | 36.7847% | 5,336 |
| Total domestic deposits to total assets | 87.1671% | 1,767 |
| Equity capital to assets | 7.9804% | 5,227 |
| Core capital (leverage) ratio | 9.2582% | 4,409 |
| Tier 1 risk-based capital ratio | 19.3345% | 1,470 |
| Total risk-based capital ratio | 19.7940% | 1,629 |
| Memoranda: | ||
| Average total assets | $98,752,000 | 4,195 |
| Average earning assets | $87,824,330 | 4,259 |
| Average equity | $8,148,000 | 4,673 |
| Average total loans | $30,893,670 | 4,902 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5816% | 4,742 |
| Cost of funding earning assets | 0.4443% | 3,252 |
| Net interest margin | 3.1373% | 4,625 |
| Noninterest income to average assets | 0.7010% | 1,826 |
| Noninterest expense to average assets | 3.1385% | 1,717 |
| Loan and lease loss provision to assets | 0.0201% | 3,273 |
| Net operating income to assets | 0.3304% | 5,048 |
| Return on assets (ROA) | 0.3304% | 5,053 |
| Pretax return on assets | 0.3304% | 5,123 |
| Return on Equity (ROE) | 3.8625% | 4,798 |
| Retained earnings to average equity (ytd only) | 1.0363% | 4,622 |
| Net charge-offs to loans | 0.0784% | 1,347 |
| Credit loss provision to net charge-offs | 83.3333% | 1,711 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 1,705 |
| Efficiency ratio | 88.7991% | 495 |
| Assets per employee ($millions) | 3.0383% | 5,126 |
| Cash dividends to net income (ytd only)* | 73.1707% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4374% | 5,398 |
| Loan loss allowance to noncurrent loans | 31.5294% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 0.9385% | 1,690 |
| Noncurrent loans to loans | 1.3872% | 1,284 |
| Net loans and leases to total assets | 30.4237% | 5,357 |
| Net loans and leases to deposits | 34.9841% | 5,378 |
| Net loans and leases to core deposits | 35.1858% | 5,404 |
| Total domestic deposits to total assets | 86.9644% | 2,138 |
| Equity capital to assets | 8.1216% | 5,220 |
| Core capital (leverage) ratio | 9.4859% | 4,082 |
| Tier 1 risk-based capital ratio | 20.8166% | 1,231 |
| Total risk-based capital ratio | 21.1116% | 1,338 |
| Memoranda: | ||
| Average total assets | $99,282,500 | 4,234 |
| Average earning assets | $88,228,500 | 4,295 |
| Average equity | $8,492,000 | 4,664 |
| Average total loans | $30,611,500 | 4,959 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4052% | 4,931 |
| Cost of funding earning assets | 0.4061% | 3,192 |
| Net interest margin | 2.9991% | 4,888 |
| Noninterest income to average assets | 0.6068% | 2,416 |
| Noninterest expense to average assets | 3.1246% | 1,787 |
| Loan and lease loss provision to assets | 0.7402% | 162 |
| Net operating income to assets | -0.5292% | 5,537 |
| Return on assets (ROA) | -0.4549% | 5,520 |
| Pretax return on assets | -0.4938% | 5,548 |
| Return on Equity (ROE) | -5.1409% | 5,538 |
| Retained earnings to average equity (ytd only) | -7.8930% | 5,501 |
| Net charge-offs to loans | 2.7952% | 50 |
| Credit loss provision to net charge-offs | 87.0561% | 2,837 |
| Earnings coverage of net charge-offs (x) | 0.1947% | 4,007 |
| Efficiency ratio | 93.8129% | 302 |
| Assets per employee ($millions) | 3.0719% | 5,142 |
| Cash dividends to net income (ytd only)* | -53.5332% | 5,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4414% | 5,457 |
| Loan loss allowance to noncurrent loans | 13.9463% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 1.5422% | 873 |
| Noncurrent loans to loans | 3.1650% | 339 |
| Net loans and leases to total assets | 30.9763% | 5,419 |
| Net loans and leases to deposits | 36.0295% | 5,428 |
| Net loans and leases to core deposits | 36.2440% | 5,455 |
| Total domestic deposits to total assets | 85.9747% | 2,451 |
| Equity capital to assets | 8.9938% | 4,733 |
| Core capital (leverage) ratio | 9.0970% | 4,525 |
| Tier 1 risk-based capital ratio | 20.7822% | 1,179 |
| Total risk-based capital ratio | 21.0829% | 1,319 |
| Memoranda: | ||
| Average total assets | $102,670,000 | 4,194 |
| Average earning assets | $91,859,800 | 4,245 |
| Average equity | $9,084,000 | 4,601 |
| Average total loans | $31,232,000 | 4,995 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3743% | 5,000 |
| Cost of funding earning assets | 0.4042% | 3,144 |
| Net interest margin | 2.9700% | 4,988 |
| Noninterest income to average assets | 0.6078% | 2,434 |
| Noninterest expense to average assets | 3.0967% | 1,808 |
| Loan and lease loss provision to assets | 0.9766% | 108 |
| Net operating income to assets | -0.8121% | 5,660 |
| Return on assets (ROA) | -0.7054% | 5,649 |
| Pretax return on assets | -0.6964% | 5,644 |
| Return on Equity (ROE) | -8.0044% | 5,660 |
| Retained earnings to average equity (ytd only) | -10.7017% | 5,617 |
| Net charge-offs to loans | 3.7034% | 30 |
| Credit loss provision to net charge-offs | 87.1560% | 2,492 |
| Earnings coverage of net charge-offs (x) | 0.1548% | 3,689 |
| Efficiency ratio | 93.5167% | 301 |
| Assets per employee ($millions) | 3.0501% | 5,218 |
| Cash dividends to net income (ytd only)* | -33.6976% | 5,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4348% | 5,531 |
| Loan loss allowance to noncurrent loans | 15.2637% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 1.4876% | 1,025 |
| Noncurrent loans to loans | 2.8483% | 472 |
| Net loans and leases to total assets | 31.9106% | 5,459 |
| Net loans and leases to deposits | 37.3494% | 5,474 |
| Net loans and leases to core deposits | 37.5746% | 5,500 |
| Total domestic deposits to total assets | 85.4381% | 2,542 |
| Equity capital to assets | 9.4873% | 4,459 |
| Core capital (leverage) ratio | 8.9233% | 4,832 |
| Tier 1 risk-based capital ratio | 20.3175% | 1,304 |
| Total risk-based capital ratio | 20.6144% | 1,463 |
| Memoranda: | ||
| Average total assets | $103,762,250 | 4,208 |
| Average earning assets | $93,015,500 | 4,256 |
| Average equity | $9,144,750 | 4,637 |
| Average total loans | $31,393,750 | 5,033 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2867% | 5,126 |
| Cost of funding earning assets | 0.3995% | 3,077 |
| Net interest margin | 2.8871% | 5,121 |
| Noninterest income to average assets | 0.6029% | 2,437 |
| Noninterest expense to average assets | 3.0052% | 2,094 |
| Loan and lease loss provision to assets | 1.4365% | 67 |
| Net operating income to assets | -1.2569% | 5,731 |
| Return on assets (ROA) | -1.1473% | 5,724 |
| Pretax return on assets | -1.1341% | 5,721 |
| Return on Equity (ROE) | -13.3314% | 5,737 |
| Retained earnings to average equity (ytd only) | -15.9669% | 5,708 |
| Net charge-offs to loans | 5.5614% | 18 |
| Credit loss provision to net charge-offs | 86.9565% | 2,181 |
| Earnings coverage of net charge-offs (x) | 0.1167% | 3,406 |
| Efficiency ratio | 92.7896% | 333 |
| Assets per employee ($millions) | 3.0092% | 5,260 |
| Cash dividends to net income (ytd only)* | -19.7694% | 5,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4397% | 5,577 |
| Loan loss allowance to noncurrent loans | 25.6214% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 1.1181% | 1,553 |
| Noncurrent loans to loans | 1.7160% | 1,061 |
| Net loans and leases to total assets | 29.6583% | 5,551 |
| Net loans and leases to deposits | 34.3682% | 5,565 |
| Net loans and leases to core deposits | 34.6824% | 5,589 |
| Total domestic deposits to total assets | 86.2958% | 2,240 |
| Equity capital to assets | 9.0644% | 4,834 |
| Core capital (leverage) ratio | 8.6975% | 5,047 |
| Tier 1 risk-based capital ratio | 20.0357% | 1,365 |
| Total risk-based capital ratio | 20.3243% | 1,530 |
| Memoranda: | ||
| Average total assets | $105,815,000 | 4,212 |
| Average earning assets | $95,112,000 | 4,247 |
| Average equity | $9,106,330 | 4,668 |
| Average total loans | $31,431,000 | 5,065 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2076% | 5,241 |
| Cost of funding earning assets | 0.3963% | 3,028 |
| Net interest margin | 2.8113% | 5,221 |
| Noninterest income to average assets | 0.6024% | 2,401 |
| Noninterest expense to average assets | 2.9228% | 2,388 |
| Loan and lease loss provision to assets | 0.1859% | 909 |
| Net operating income to assets | 0.0221% | 5,593 |
| Return on assets (ROA) | 0.0632% | 5,558 |
| Pretax return on assets | 0.0744% | 5,548 |
| Return on Equity (ROE) | 0.7537% | 5,532 |
| Retained earnings to average equity (ytd only) | 0.7537% | 4,731 |
| Net charge-offs to loans | -0.0125% | 4,517 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0522% | 451 |
| Assets per employee ($millions) | 3.1527% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9411% | 4,597 |
| Loan loss allowance to noncurrent loans | 13.8426% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 2.1690% | 580 |
| Noncurrent loans to loans | 6.7987% | 82 |
| Net loans and leases to total assets | 29.3604% | 5,600 |
| Net loans and leases to deposits | 33.6725% | 5,621 |
| Net loans and leases to core deposits | 33.9632% | 5,648 |
| Total domestic deposits to total assets | 87.1940% | 2,113 |
| Equity capital to assets | 8.6033% | 5,152 |
| Core capital (leverage) ratio | 9.3110% | 4,328 |
| Tier 1 risk-based capital ratio | 18.9800% | 1,621 |
| Total risk-based capital ratio | 19.5404% | 1,749 |
| Memoranda: | ||
| Average total assets | $107,566,500 | 4,213 |
| Average earning assets | $96,893,500 | 4,257 |
| Average equity | $9,022,500 | 4,714 |
| Average total loans | $31,907,500 | 5,096 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3460% | 5,087 |
| Cost of funding earning assets | 0.4298% | 2,706 |
| Net interest margin | 2.9162% | 5,109 |
| Noninterest income to average assets | 0.6645% | 2,345 |
| Noninterest expense to average assets | 3.0515% | 2,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2258% | 5,364 |
| Return on assets (ROA) | 0.3886% | 5,064 |
| Pretax return on assets | 0.3962% | 5,230 |
| Return on Equity (ROE) | 4.0589% | 4,814 |
| Retained earnings to average equity (ytd only) | 1.6654% | 4,582 |
| Net charge-offs to loans | 0.0443% | 3,150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 16.0667% | 2,144 |
| Efficiency ratio | 91.8534% | 466 |
| Assets per employee ($millions) | 3.1747% | 5,184 |
| Cash dividends to net income (ytd only)* | 58.9681% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7739% | 5,172 |
| Loan loss allowance to noncurrent loans | 44.5242% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 0.8245% | 2,286 |
| Noncurrent loans to loans | 1.7382% | 1,105 |
| Net loans and leases to total assets | 29.4568% | 5,651 |
| Net loans and leases to deposits | 33.6060% | 5,682 |
| Net loans and leases to core deposits | 33.9835% | 5,708 |
| Total domestic deposits to total assets | 87.6534% | 1,812 |
| Equity capital to assets | 8.1739% | 5,485 |
| Core capital (leverage) ratio | 9.5048% | 4,075 |
| Tier 1 risk-based capital ratio | 20.8462% | 1,239 |
| Total risk-based capital ratio | 21.3611% | 1,331 |
| Memoranda: | ||
| Average total assets | $104,736,800 | 4,267 |
| Average earning assets | $93,993,200 | 4,309 |
| Average equity | $10,027,400 | 4,565 |
| Average total loans | $33,860,000 | 5,073 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3971% | 5,030 |
| Cost of funding earning assets | 0.4305% | 2,734 |
| Net interest margin | 2.9665% | 5,070 |
| Noninterest income to average assets | 0.6837% | 2,246 |
| Noninterest expense to average assets | 3.0505% | 2,163 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2726% | 5,342 |
| Return on assets (ROA) | 0.4515% | 4,954 |
| Pretax return on assets | 0.4862% | 5,154 |
| Return on Equity (ROE) | 4.5439% | 4,702 |
| Retained earnings to average equity (ytd only) | 2.2204% | 4,585 |
| Net charge-offs to loans | -0.0078% | 4,708 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1036% | 551 |
| Assets per employee ($millions) | 3.3501% | 4,980 |
| Cash dividends to net income (ytd only)* | 51.1357% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7693% | 5,276 |
| Loan loss allowance to noncurrent loans | 42.7419% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 0.8756% | 2,360 |
| Noncurrent loans to loans | 1.7999% | 1,150 |
| Net loans and leases to total assets | 30.9191% | 5,698 |
| Net loans and leases to deposits | 35.9073% | 5,730 |
| Net loans and leases to core deposits | 36.4060% | 5,749 |
| Total domestic deposits to total assets | 86.1080% | 2,301 |
| Equity capital to assets | 9.5800% | 4,578 |
| Core capital (leverage) ratio | 9.6457% | 3,999 |
| Tier 1 risk-based capital ratio | 19.5342% | 1,543 |
| Total risk-based capital ratio | 20.0498% | 1,675 |
| Memoranda: | ||
| Average total assets | $103,935,750 | 4,321 |
| Average earning assets | $93,215,500 | 4,357 |
| Average equity | $10,328,500 | 4,560 |
| Average total loans | $34,314,000 | 5,107 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4740% | 4,938 |
| Cost of funding earning assets | 0.4219% | 2,819 |
| Net interest margin | 3.0521% | 4,971 |
| Noninterest income to average assets | 0.7058% | 2,123 |
| Noninterest expense to average assets | 3.0846% | 2,101 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3292% | 5,240 |
| Return on assets (ROA) | 0.4659% | 4,906 |
| Pretax return on assets | 0.4974% | 5,136 |
| Return on Equity (ROE) | 4.6285% | 4,664 |
| Retained earnings to average equity (ytd only) | 2.2849% | 4,423 |
| Net charge-offs to loans | -0.0058% | 4,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6156% | 678 |
| Assets per employee ($millions) | 3.2008% | 5,202 |
| Cash dividends to net income (ytd only)* | 50.6329% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7874% | 5,310 |
| Loan loss allowance to noncurrent loans | 34.0645% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 0.9755% | 2,195 |
| Noncurrent loans to loans | 2.3116% | 787 |
| Net loans and leases to total assets | 28.8665% | 5,804 |
| Net loans and leases to deposits | 33.4416% | 5,835 |
| Net loans and leases to core deposits | 33.7826% | 5,849 |
| Total domestic deposits to total assets | 86.3192% | 2,253 |
| Equity capital to assets | 9.3225% | 4,951 |
| Core capital (leverage) ratio | 10.0018% | 3,561 |
| Tier 1 risk-based capital ratio | 16.5547% | 2,405 |
| Total risk-based capital ratio | 16.9927% | 2,698 |
| Memoranda: | ||
| Average total assets | $101,730,000 | 4,397 |
| Average earning assets | $91,018,000 | 4,439 |
| Average equity | $10,241,000 | 4,603 |
| Average total loans | $34,269,670 | 5,166 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8027% | 3,929 |
| Cost of funding earning assets | 0.4504% | 2,577 |
| Net interest margin | 3.3522% | 4,034 |
| Noninterest income to average assets | 0.7749% | 1,710 |
| Noninterest expense to average assets | 3.3143% | 1,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4131% | 4,954 |
| Return on assets (ROA) | 0.5517% | 4,516 |
| Pretax return on assets | 0.5854% | 4,861 |
| Return on Equity (ROE) | 5.2450% | 4,364 |
| Retained earnings to average equity (ytd only) | 2.8427% | 4,094 |
| Net charge-offs to loans | -0.0346% | 5,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2054% | 873 |
| Assets per employee ($millions) | 2.7349% | 5,712 |
| Cash dividends to net income (ytd only)* | 45.8015% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7858% | 5,410 |
| Loan loss allowance to noncurrent loans | 60.3175% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 0.8253% | 2,629 |
| Noncurrent loans to loans | 1.3028% | 1,846 |
| Net loans and leases to total assets | 35.0857% | 5,674 |
| Net loans and leases to deposits | 41.6515% | 5,662 |
| Net loans and leases to core deposits | 42.1761% | 5,706 |
| Total domestic deposits to total assets | 84.2363% | 3,433 |
| Equity capital to assets | 10.5056% | 3,486 |
| Core capital (leverage) ratio | 10.3390% | 3,143 |
| Tier 1 risk-based capital ratio | 21.4346% | 1,242 |
| Total risk-based capital ratio | 22.0089% | 1,326 |
| Memoranda: | ||
| Average total assets | $94,981,500 | 4,554 |
| Average earning assets | $84,361,500 | 4,608 |
| Average equity | $9,990,500 | 4,662 |
| Average total loans | $34,641,500 | 5,191 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6264% | 4,599 |
| Cost of funding earning assets | 0.5165% | 2,021 |
| Net interest margin | 3.1098% | 4,879 |
| Noninterest income to average assets | 0.7264% | 2,082 |
| Noninterest expense to average assets | 3.6247% | 1,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.1065% | 5,925 |
| Return on assets (ROA) | -0.0541% | 5,926 |
| Pretax return on assets | -0.0781% | 5,921 |
| Return on Equity (ROE) | -0.5198% | 5,920 |
| Retained earnings to average equity (ytd only) | -2.7689% | 5,804 |
| Net charge-offs to loans | -0.1329% | 5,856 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2684% | 224 |
| Assets per employee ($millions) | 2.6927% | 5,774 |
| Cash dividends to net income (ytd only)* | -432.6923% | 6,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7422% | 5,551 |
| Loan loss allowance to noncurrent loans | 57.4236% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 0.8457% | 2,552 |
| Noncurrent loans to loans | 1.2926% | 1,820 |
| Net loans and leases to total assets | 37.3184% | 5,652 |
| Net loans and leases to deposits | 44.4779% | 5,635 |
| Net loans and leases to core deposits | 44.9044% | 5,684 |
| Total domestic deposits to total assets | 83.9033% | 3,518 |
| Equity capital to assets | 10.5313% | 3,324 |
| Core capital (leverage) ratio | 10.2444% | 3,207 |
| Tier 1 risk-based capital ratio | 16.7429% | 2,379 |
| Total risk-based capital ratio | 17.1885% | 2,655 |
| Memoranda: | ||
| Average total assets | $96,091,000 | 4,535 |
| Average earning assets | $84,795,400 | 4,613 |
| Average equity | $10,003,800 | 4,662 |
| Average total loans | $33,859,400 | 5,231 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5731% | 4,812 |
| Cost of funding earning assets | 0.5299% | 1,963 |
| Net interest margin | 3.0432% | 5,094 |
| Noninterest income to average assets | 0.7222% | 2,139 |
| Noninterest expense to average assets | 3.3501% | 1,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0475% | 5,893 |
| Return on assets (ROA) | 0.1091% | 5,874 |
| Pretax return on assets | 0.1201% | 5,877 |
| Return on Equity (ROE) | 1.0508% | 5,849 |
| Retained earnings to average equity (ytd only) | -1.2770% | 5,788 |
| Net charge-offs to loans | -0.1395% | 5,903 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2808% | 378 |
| Assets per employee ($millions) | 2.6400% | 5,876 |
| Cash dividends to net income (ytd only)* | 221.5228% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7345% | 5,650 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 0.9134% | 2,580 |
| Noncurrent loans to loans | 1.4691% | 1,702 |
| Net loans and leases to total assets | 37.0022% | 5,750 |
| Net loans and leases to deposits | 44.2916% | 5,712 |
| Net loans and leases to core deposits | 44.7267% | 5,769 |
| Total domestic deposits to total assets | 83.5422% | 3,597 |
| Equity capital to assets | 10.5866% | 3,494 |
| Core capital (leverage) ratio | 10.3203% | 3,233 |
| Tier 1 risk-based capital ratio | 15.1601% | 3,208 |
| Total risk-based capital ratio | 15.5414% | 3,604 |
| Memoranda: | ||
| Average total assets | $96,553,000 | 4,576 |
| Average earning assets | $85,040,000 | 4,657 |
| Average equity | $10,023,500 | 4,718 |
| Average total loans | $33,466,000 | 5,305 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5435% | 4,877 |
| Cost of funding earning assets | 0.5453% | 1,864 |
| Net interest margin | 2.9982% | 5,225 |
| Noninterest income to average assets | 0.7392% | 2,046 |
| Noninterest expense to average assets | 3.2899% | 1,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0792% | 5,905 |
| Return on assets (ROA) | 0.1491% | 5,858 |
| Pretax return on assets | 0.1654% | 5,862 |
| Return on Equity (ROE) | 1.4450% | 5,806 |
| Retained earnings to average equity (ytd only) | -1.0293% | 5,692 |
| Net charge-offs to loans | -0.2052% | 6,031 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1911% | 433 |
| Assets per employee ($millions) | 2.7641% | 5,852 |
| Cash dividends to net income (ytd only)* | 171.2329% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7608% | 5,692 |
| Loan loss allowance to noncurrent loans | 50.0994% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 1.0306% | 2,446 |
| Noncurrent loans to loans | 1.5186% | 1,748 |
| Net loans and leases to total assets | 33.9780% | 5,910 |
| Net loans and leases to deposits | 40.7495% | 5,879 |
| Net loans and leases to core deposits | 41.1325% | 5,927 |
| Total domestic deposits to total assets | 83.3826% | 3,798 |
| Equity capital to assets | 9.7682% | 4,319 |
| Core capital (leverage) ratio | 10.1768% | 3,366 |
| Tier 1 risk-based capital ratio | 15.0510% | 3,333 |
| Total risk-based capital ratio | 15.4267% | 3,756 |
| Memoranda: | ||
| Average total assets | $97,937,330 | 4,595 |
| Average earning assets | $86,185,330 | 4,674 |
| Average equity | $10,104,000 | 4,725 |
| Average total loans | $33,140,330 | 5,361 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4546% | 5,073 |
| Cost of funding earning assets | 0.5673% | 1,687 |
| Net interest margin | 2.8873% | 5,482 |
| Noninterest income to average assets | 0.7348% | 1,993 |
| Noninterest expense to average assets | 3.3004% | 1,719 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0215% | 6,035 |
| Return on assets (ROA) | 0.0771% | 5,967 |
| Pretax return on assets | 0.0852% | 5,964 |
| Return on Equity (ROE) | 0.7286% | 5,954 |
| Retained earnings to average equity (ytd only) | -2.1474% | 5,703 |
| Net charge-offs to loans | 0.0362% | 2,487 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 3,204 |
| Efficiency ratio | 99.6283% | 373 |
| Assets per employee ($millions) | 2.8678% | 5,813 |
| Cash dividends to net income (ytd only)* | 394.7368% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6498% | 5,987 |
| Loan loss allowance to noncurrent loans | 45.1681% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 0.9445% | 2,734 |
| Noncurrent loans to loans | 1.4387% | 1,983 |
| Net loans and leases to total assets | 32.7492% | 5,975 |
| Net loans and leases to deposits | 39.0095% | 5,949 |
| Net loans and leases to core deposits | 39.3603% | 5,994 |
| Total domestic deposits to total assets | 83.9517% | 3,837 |
| Equity capital to assets | 10.3495% | 3,718 |
| Core capital (leverage) ratio | 10.2032% | 3,336 |
| Tier 1 risk-based capital ratio | 14.2665% | 3,846 |
| Total risk-based capital ratio | 14.5671% | 4,334 |
| Memoranda: | ||
| Average total assets | $98,535,000 | 4,612 |
| Average earning assets | $86,725,000 | 4,704 |
| Average equity | $10,431,000 | 4,702 |
| Average total loans | $33,149,000 | 5,400 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 4,394 |
| Cost of funding earning assets | 0.5980% | 1,773 |
| Net interest margin | 3.2315% | 4,824 |
| Noninterest income to average assets | 0.7191% | 2,213 |
| Noninterest expense to average assets | 3.2760% | 1,991 |
| Loan and lease loss provision to assets | 0.0853% | 2,768 |
| Net operating income to assets | 0.1900% | 5,788 |
| Return on assets (ROA) | 0.3061% | 5,576 |
| Pretax return on assets | 0.3226% | 5,660 |
| Return on Equity (ROE) | 3.1031% | 5,438 |
| Retained earnings to average equity (ytd only) | -2.8845% | 6,083 |
| Net charge-offs to loans | 0.3021% | 1,461 |
| Credit loss provision to net charge-offs | 83.8384% | 2,786 |
| Earnings coverage of net charge-offs (x) | 2.8081% | 4,059 |
| Efficiency ratio | 90.8566% | 795 |
| Assets per employee ($millions) | 2.7628% | 5,969 |
| Cash dividends to net income (ytd only)* | 192.9530% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6564% | 6,066 |
| Loan loss allowance to noncurrent loans | 20.6635% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 1.3940% | 1,997 |
| Noncurrent loans to loans | 3.1766% | 687 |
| Net loans and leases to total assets | 34.1207% | 6,028 |
| Net loans and leases to deposits | 41.0618% | 5,998 |
| Net loans and leases to core deposits | 41.4492% | 6,061 |
| Total domestic deposits to total assets | 83.0958% | 4,042 |
| Equity capital to assets | 10.8317% | 3,082 |
| Core capital (leverage) ratio | 10.5577% | 2,887 |
| Tier 1 risk-based capital ratio | 15.0194% | 3,476 |
| Total risk-based capital ratio | 15.3417% | 3,954 |
| Memoranda: | ||
| Average total assets | $97,344,000 | 4,665 |
| Average earning assets | $85,624,600 | 4,745 |
| Average equity | $9,603,200 | 4,840 |
| Average total loans | $32,776,000 | 5,458 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8811% | 4,234 |
| Cost of funding earning assets | 0.6002% | 1,829 |
| Net interest margin | 3.2809% | 4,680 |
| Noninterest income to average assets | 0.7193% | 2,232 |
| Noninterest expense to average assets | 3.2462% | 2,036 |
| Loan and lease loss provision to assets | 0.0014% | 4,383 |
| Net operating income to assets | 0.3373% | 5,465 |
| Return on assets (ROA) | 0.4581% | 5,117 |
| Pretax return on assets | 0.4854% | 5,364 |
| Return on Equity (ROE) | 4.7590% | 4,829 |
| Retained earnings to average equity (ytd only) | 1.9179% | 5,096 |
| Net charge-offs to loans | 0.2000% | 1,861 |
| Credit loss provision to net charge-offs | 2.0408% | 3,786 |
| Earnings coverage of net charge-offs (x) | 5.3470% | 3,285 |
| Efficiency ratio | 88.9226% | 929 |
| Assets per employee ($millions) | 2.5892% | 6,161 |
| Cash dividends to net income (ytd only)* | 59.7009% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5649% | 6,267 |
| Loan loss allowance to noncurrent loans | 20.7127% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 1.0750% | 2,807 |
| Noncurrent loans to loans | 2.7271% | 1,038 |
| Net loans and leases to total assets | 35.1275% | 6,065 |
| Net loans and leases to deposits | 42.7371% | 6,024 |
| Net loans and leases to core deposits | 43.0178% | 6,082 |
| Total domestic deposits to total assets | 82.1944% | 4,412 |
| Equity capital to assets | 11.0276% | 2,928 |
| Core capital (leverage) ratio | 10.8942% | 2,586 |
| Tier 1 risk-based capital ratio | 15.8094% | 3,153 |
| Total risk-based capital ratio | 16.0879% | 3,621 |
| Memoranda: | ||
| Average total assets | $97,505,500 | 4,708 |
| Average earning assets | $85,747,000 | 4,794 |
| Average equity | $9,385,500 | 4,929 |
| Average total loans | $32,667,000 | 5,509 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8681% | 4,269 |
| Cost of funding earning assets | 0.5972% | 1,922 |
| Net interest margin | 3.2709% | 4,699 |
| Noninterest income to average assets | 0.7095% | 2,230 |
| Noninterest expense to average assets | 3.1859% | 2,235 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3764% | 5,306 |
| Return on assets (ROA) | 0.5418% | 4,736 |
| Pretax return on assets | 0.5781% | 5,028 |
| Return on Equity (ROE) | 5.8981% | 4,213 |
| Retained earnings to average equity (ytd only) | 2.5969% | 4,546 |
| Net charge-offs to loans | -0.0368% | 5,755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6620% | 1,116 |
| Assets per employee ($millions) | 2.6854% | 6,145 |
| Cash dividends to net income (ytd only)* | 55.9701% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7085% | 6,160 |
| Loan loss allowance to noncurrent loans | 33.0124% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 0.8420% | 3,450 |
| Noncurrent loans to loans | 2.1461% | 1,550 |
| Net loans and leases to total assets | 34.7932% | 6,118 |
| Net loans and leases to deposits | 41.8629% | 6,072 |
| Net loans and leases to core deposits | 42.1250% | 6,145 |
| Total domestic deposits to total assets | 83.1123% | 4,261 |
| Equity capital to assets | 10.3771% | 3,587 |
| Core capital (leverage) ratio | 10.7250% | 2,691 |
| Tier 1 risk-based capital ratio | 15.2427% | 3,498 |
| Total risk-based capital ratio | 15.5900% | 3,974 |
| Memoranda: | ||
| Average total assets | $98,936,670 | 4,709 |
| Average earning assets | $87,071,330 | 4,794 |
| Average equity | $9,087,670 | 5,008 |
| Average total loans | $32,579,670 | 5,549 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8048% | 4,469 |
| Cost of funding earning assets | 0.5948% | 2,017 |
| Net interest margin | 3.2100% | 4,892 |
| Noninterest income to average assets | 0.7235% | 2,067 |
| Noninterest expense to average assets | 3.1419% | 2,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3769% | 5,199 |
| Return on assets (ROA) | 0.5516% | 4,526 |
| Pretax return on assets | 0.5956% | 4,849 |
| Return on Equity (ROE) | 6.4071% | 3,801 |
| Retained earnings to average equity (ytd only) | 1.7643% | 4,897 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3874% | 1,292 |
| Assets per employee ($millions) | 2.7857% | 6,117 |
| Cash dividends to net income (ytd only)* | 72.4638% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7299% | 6,228 |
| Loan loss allowance to noncurrent loans | 41.5631% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 0.6482% | 4,193 |
| Noncurrent loans to loans | 1.7561% | 2,201 |
| Net loans and leases to total assets | 31.7359% | 6,277 |
| Net loans and leases to deposits | 37.5223% | 6,268 |
| Net loans and leases to core deposits | 37.7448% | 6,320 |
| Total domestic deposits to total assets | 84.5788% | 4,053 |
| Equity capital to assets | 9.0383% | 5,072 |
| Core capital (leverage) ratio | 10.5138% | 2,911 |
| Tier 1 risk-based capital ratio | 14.3202% | 4,114 |
| Total risk-based capital ratio | 14.6411% | 4,702 |
| Memoranda: | ||
| Average total assets | $100,068,000 | 4,736 |
| Average earning assets | $88,099,000 | 4,819 |
| Average equity | $8,615,500 | 5,143 |
| Average total loans | $31,931,500 | 5,629 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0678% | 3,855 |
| Cost of funding earning assets | 0.6789% | 1,969 |
| Net interest margin | 3.3889% | 4,323 |
| Noninterest income to average assets | 0.7653% | 2,234 |
| Noninterest expense to average assets | 3.2593% | 2,256 |
| Loan and lease loss provision to assets | 0.0383% | 4,350 |
| Net operating income to assets | 0.3659% | 5,277 |
| Return on assets (ROA) | 0.6730% | 4,026 |
| Pretax return on assets | 0.7182% | 4,470 |
| Return on Equity (ROE) | 7.3732% | 3,368 |
| Retained earnings to average equity (ytd only) | 4.9011% | 2,668 |
| Net charge-offs to loans | 0.1182% | 3,626 |
| Credit loss provision to net charge-offs | 90.6977% | 2,735 |
| Earnings coverage of net charge-offs (x) | 10.1860% | 2,408 |
| Efficiency ratio | 87.3138% | 1,289 |
| Assets per employee ($millions) | 2.7737% | 6,145 |
| Cash dividends to net income (ytd only)* | 33.5277% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7358% | 6,300 |
| Loan loss allowance to noncurrent loans | 21.6466% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 1.1697% | 3,058 |
| Noncurrent loans to loans | 3.3991% | 944 |
| Net loans and leases to total assets | 31.6158% | 6,412 |
| Net loans and leases to deposits | 36.9782% | 6,401 |
| Net loans and leases to core deposits | 37.3899% | 6,434 |
| Total domestic deposits to total assets | 85.4985% | 3,511 |
| Equity capital to assets | 8.1791% | 5,888 |
| Core capital (leverage) ratio | 10.1834% | 3,316 |
| Tier 1 risk-based capital ratio | 13.7278% | 4,502 |
| Total risk-based capital ratio | 14.0368% | 5,068 |
| Memoranda: | ||
| Average total assets | $101,924,200 | 4,695 |
| Average earning assets | $87,934,200 | 4,834 |
| Average equity | $9,304,000 | 5,017 |
| Average total loans | $36,378,800 | 5,481 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0621% | 3,887 |
| Cost of funding earning assets | 0.6929% | 1,998 |
| Net interest margin | 3.3692% | 4,400 |
| Noninterest income to average assets | 0.7874% | 2,211 |
| Noninterest expense to average assets | 3.2876% | 2,104 |
| Loan and lease loss provision to assets | 0.0456% | 4,100 |
| Net operating income to assets | 0.3241% | 5,521 |
| Return on assets (ROA) | 0.7054% | 3,965 |
| Pretax return on assets | 0.7562% | 4,470 |
| Return on Equity (ROE) | 7.5368% | 3,361 |
| Retained earnings to average equity (ytd only) | 5.0338% | 3,054 |
| Net charge-offs to loans | 0.1386% | 3,155 |
| Credit loss provision to net charge-offs | 89.7436% | 2,645 |
| Earnings coverage of net charge-offs (x) | 7.7177% | 2,749 |
| Efficiency ratio | 88.3268% | 1,133 |
| Assets per employee ($millions) | 2.7536% | 6,215 |
| Cash dividends to net income (ytd only)* | 33.2097% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6391% | 6,517 |
| Loan loss allowance to noncurrent loans | 25.0000% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 1.0532% | 3,546 |
| Noncurrent loans to loans | 2.5564% | 1,679 |
| Net loans and leases to total assets | 36.6989% | 6,245 |
| Net loans and leases to deposits | 43.3829% | 6,243 |
| Net loans and leases to core deposits | 44.9591% | 6,251 |
| Total domestic deposits to total assets | 84.5931% | 3,932 |
| Equity capital to assets | 8.0146% | 6,148 |
| Core capital (leverage) ratio | 9.9795% | 3,703 |
| Tier 1 risk-based capital ratio | 13.2573% | 4,932 |
| Total risk-based capital ratio | 13.5588% | 5,509 |
| Memoranda: | ||
| Average total assets | $102,442,250 | 4,728 |
| Average earning assets | $87,932,000 | 4,871 |
| Average equity | $9,588,250 | 5,009 |
| Average total loans | $37,522,750 | 5,495 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 4,393 |
| Cost of funding earning assets | 0.6999% | 2,062 |
| Net interest margin | 3.2220% | 4,865 |
| Noninterest income to average assets | 0.8344% | 2,046 |
| Noninterest expense to average assets | 3.3434% | 1,957 |
| Loan and lease loss provision to assets | 0.0676% | 3,691 |
| Net operating income to assets | 0.1685% | 5,981 |
| Return on assets (ROA) | 0.6548% | 4,203 |
| Pretax return on assets | 0.6915% | 4,707 |
| Return on Equity (ROE) | 6.6890% | 3,778 |
| Retained earnings to average equity (ytd only) | 4.1239% | 3,667 |
| Net charge-offs to loans | 0.1322% | 3,055 |
| Credit loss provision to net charge-offs | 140.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 5.1200% | 2,963 |
| Efficiency ratio | 92.0387% | 890 |
| Assets per employee ($millions) | 2.6765% | 6,320 |
| Cash dividends to net income (ytd only)* | 38.3481% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6326% | 6,575 |
| Loan loss allowance to noncurrent loans | 61.8454% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 5,030 |
| Noncurrent loans to loans | 1.0229% | 3,890 |
| Net loans and leases to total assets | 37.3176% | 6,217 |
| Net loans and leases to deposits | 43.9037% | 6,235 |
| Net loans and leases to core deposits | 45.4083% | 6,259 |
| Total domestic deposits to total assets | 84.9988% | 3,894 |
| Equity capital to assets | 8.0596% | 6,160 |
| Core capital (leverage) ratio | 9.7377% | 3,886 |
| Tier 1 risk-based capital ratio | 12.5357% | 5,472 |
| Total risk-based capital ratio | 12.8427% | 6,017 |
| Memoranda: | ||
| Average total assets | $103,546,000 | 4,733 |
| Average earning assets | $88,579,000 | 4,882 |
| Average equity | $10,136,000 | 4,905 |
| Average total loans | $37,825,670 | 5,513 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8936% | 4,494 |
| Cost of funding earning assets | 0.7255% | 2,020 |
| Net interest margin | 3.1681% | 5,036 |
| Noninterest income to average assets | 0.6633% | 2,803 |
| Noninterest expense to average assets | 3.6227% | 1,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1970% | 6,516 |
| Return on assets (ROA) | 0.3568% | 5,463 |
| Pretax return on assets | 0.4189% | 5,505 |
| Return on Equity (ROE) | 3.3462% | 5,415 |
| Retained earnings to average equity (ytd only) | 3.3462% | 4,247 |
| Net charge-offs to loans | 0.0323% | 3,579 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -20.0000% | 4,122 |
| Efficiency ratio | 105.7208% | 401 |
| Assets per employee ($millions) | 2.6687% | 6,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6107% | 6,693 |
| Loan loss allowance to noncurrent loans | 45.2794% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 4,796 |
| Noncurrent loans to loans | 1.3488% | 3,542 |
| Net loans and leases to total assets | 36.7461% | 6,244 |
| Net loans and leases to deposits | 44.0159% | 6,206 |
| Net loans and leases to core deposits | 45.5574% | 6,235 |
| Total domestic deposits to total assets | 83.4837% | 4,679 |
| Equity capital to assets | 10.3537% | 3,731 |
| Core capital (leverage) ratio | 9.6141% | 3,897 |
| Tier 1 risk-based capital ratio | 13.1268% | 5,124 |
| Total risk-based capital ratio | 13.4353% | 5,760 |
| Memoranda: | ||
| Average total assets | $103,126,500 | 4,787 |
| Average earning assets | $88,761,000 | 4,917 |
| Average equity | $10,997,500 | 4,769 |
| Average total loans | $37,137,500 | 5,574 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1131% | 4,897 |
| Cost of funding earning assets | 0.8673% | 2,163 |
| Net interest margin | 3.2458% | 5,440 |
| Noninterest income to average assets | 0.7069% | 2,688 |
| Noninterest expense to average assets | 3.1745% | 2,697 |
| Loan and lease loss provision to assets | 0.0811% | 4,686 |
| Net operating income to assets | 0.3030% | 5,461 |
| Return on assets (ROA) | 1.1191% | 2,040 |
| Pretax return on assets | 1.1814% | 2,862 |
| Return on Equity (ROE) | 10.2956% | 2,050 |
| Retained earnings to average equity (ytd only) | 7.0668% | 1,536 |
| Net charge-offs to loans | 0.1903% | 3,855 |
| Credit loss provision to net charge-offs | 112.3288% | 2,597 |
| Earnings coverage of net charge-offs (x) | 5.5890% | 2,998 |
| Efficiency ratio | 87.6485% | 1,269 |
| Assets per employee ($millions) | 2.6198% | 6,523 |
| Cash dividends to net income (ytd only)* | 31.3604% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6649% | 6,677 |
| Loan loss allowance to noncurrent loans | 53.0067% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 0.5755% | 5,044 |
| Noncurrent loans to loans | 1.2544% | 3,742 |
| Net loans and leases to total assets | 34.8004% | 6,502 |
| Net loans and leases to deposits | 41.9408% | 6,465 |
| Net loans and leases to core deposits | 43.7582% | 6,477 |
| Total domestic deposits to total assets | 82.9751% | 4,738 |
| Equity capital to assets | 10.9803% | 2,974 |
| Core capital (leverage) ratio | 9.8262% | 3,631 |
| Tier 1 risk-based capital ratio | 13.6802% | 4,617 |
| Total risk-based capital ratio | 14.0091% | 5,223 |
| Memoranda: | ||
| Average total assets | $101,149,200 | 4,806 |
| Average earning assets | $89,469,800 | 4,885 |
| Average equity | $10,995,000 | 4,764 |
| Average total loans | $38,355,800 | 5,576 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1930% | 4,844 |
| Cost of funding earning assets | 0.9061% | 2,131 |
| Net interest margin | 3.2869% | 5,434 |
| Noninterest income to average assets | 0.7229% | 2,607 |
| Noninterest expense to average assets | 3.1399% | 2,761 |
| Loan and lease loss provision to assets | 0.0661% | 4,872 |
| Net operating income to assets | 0.4177% | 5,176 |
| Return on assets (ROA) | 1.2686% | 1,678 |
| Pretax return on assets | 1.3559% | 2,392 |
| Return on Equity (ROE) | 11.7010% | 1,736 |
| Retained earnings to average equity (ytd only) | 8.5929% | 1,379 |
| Net charge-offs to loans | 0.1505% | 3,905 |
| Credit loss provision to net charge-offs | 113.6364% | 2,565 |
| Earnings coverage of net charge-offs (x) | 8.8856% | 2,387 |
| Efficiency ratio | 84.8211% | 1,490 |
| Assets per employee ($millions) | 2.6545% | 6,541 |
| Cash dividends to net income (ytd only)* | 26.5623% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6245% | 6,836 |
| Loan loss allowance to noncurrent loans | 36.9497% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 0.8288% | 4,630 |
| Noncurrent loans to loans | 1.6902% | 3,259 |
| Net loans and leases to total assets | 37.0715% | 6,481 |
| Net loans and leases to deposits | 45.1673% | 6,448 |
| Net loans and leases to core deposits | 47.2445% | 6,461 |
| Total domestic deposits to total assets | 82.0759% | 4,995 |
| Equity capital to assets | 11.5733% | 2,677 |
| Core capital (leverage) ratio | 9.7236% | 3,913 |
| Tier 1 risk-based capital ratio | 13.9989% | 4,520 |
| Total risk-based capital ratio | 14.3340% | 5,138 |
| Memoranda: | ||
| Average total assets | $100,893,000 | 4,856 |
| Average earning assets | $90,052,000 | 4,910 |
| Average equity | $10,939,000 | 4,819 |
| Average total loans | $38,996,000 | 5,617 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3145% | 4,509 |
| Cost of funding earning assets | 0.9603% | 1,994 |
| Net interest margin | 3.3543% | 5,250 |
| Noninterest income to average assets | 0.7294% | 2,519 |
| Noninterest expense to average assets | 3.1397% | 2,778 |
| Loan and lease loss provision to assets | 0.0317% | 5,272 |
| Net operating income to assets | 0.5211% | 4,715 |
| Return on assets (ROA) | 1.5718% | 987 |
| Pretax return on assets | 1.6928% | 1,275 |
| Return on Equity (ROE) | 14.8307% | 963 |
| Retained earnings to average equity (ytd only) | 11.9319% | 592 |
| Net charge-offs to loans | 0.0608% | 4,574 |
| Credit loss provision to net charge-offs | 133.3333% | 2,058 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,208 |
| Efficiency ratio | 83.0149% | 1,745 |
| Assets per employee ($millions) | 2.7019% | 6,528 |
| Cash dividends to net income (ytd only)* | 19.5460% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5818% | 6,949 |
| Loan loss allowance to noncurrent loans | 50.6522% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 4,624 |
| Noncurrent loans to loans | 1.1487% | 4,232 |
| Net loans and leases to total assets | 38.7771% | 6,419 |
| Net loans and leases to deposits | 46.8527% | 6,380 |
| Net loans and leases to core deposits | 48.9494% | 6,404 |
| Total domestic deposits to total assets | 82.7639% | 4,845 |
| Equity capital to assets | 11.0047% | 3,109 |
| Core capital (leverage) ratio | 9.6432% | 3,937 |
| Tier 1 risk-based capital ratio | 13.1442% | 5,081 |
| Total risk-based capital ratio | 13.4586% | 5,771 |
| Memoranda: | ||
| Average total assets | $100,900,670 | 4,882 |
| Average earning assets | $90,392,000 | 4,916 |
| Average equity | $10,694,000 | 4,876 |
| Average total loans | $39,451,670 | 5,630 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4179% | 4,249 |
| Cost of funding earning assets | 1.0049% | 1,952 |
| Net interest margin | 3.4130% | 5,067 |
| Noninterest income to average assets | 0.7639% | 2,327 |
| Noninterest expense to average assets | 3.1156% | 2,862 |
| Loan and lease loss provision to assets | 0.0160% | 5,120 |
| Net operating income to assets | 0.6620% | 4,070 |
| Return on assets (ROA) | 1.5398% | 1,077 |
| Pretax return on assets | 1.6598% | 1,404 |
| Return on Equity (ROE) | 14.8198% | 1,010 |
| Retained earnings to average equity (ytd only) | 11.9328% | 831 |
| Net charge-offs to loans | -0.3473% | 7,093 |
| Credit loss provision to net charge-offs | -11.7647% | 5,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9376% | 2,217 |
| Assets per employee ($millions) | 2.5630% | 6,785 |
| Cash dividends to net income (ytd only)* | 19.4805% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6751% | 6,908 |
| Loan loss allowance to noncurrent loans | 18.3631% | 6,613 |
| Noncurrent assets plus other real estate owned to assets | 1.5477% | 3,540 |
| Noncurrent loans to loans | 3.6762% | 1,687 |
| Net loans and leases to total assets | 39.3019% | 6,402 |
| Net loans and leases to deposits | 47.5957% | 6,315 |
| Net loans and leases to core deposits | 49.7915% | 6,361 |
| Total domestic deposits to total assets | 82.5745% | 5,091 |
| Equity capital to assets | 10.5315% | 3,453 |
| Core capital (leverage) ratio | 9.2761% | 4,405 |
| Tier 1 risk-based capital ratio | 12.8059% | 5,355 |
| Total risk-based capital ratio | 13.1695% | 6,014 |
| Memoranda: | ||
| Average total assets | $100,014,000 | 4,935 |
| Average earning assets | $90,360,500 | 4,957 |
| Average equity | $10,391,500 | 4,945 |
| Average total loans | $39,154,000 | 5,674 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7207% | 4,165 |
| Cost of funding earning assets | 1.2180% | 1,906 |
| Net interest margin | 3.5027% | 5,138 |
| Noninterest income to average assets | 0.7443% | 2,368 |
| Noninterest expense to average assets | 3.1591% | 3,002 |
| Loan and lease loss provision to assets | 0.0889% | 5,477 |
| Net operating income to assets | 0.5940% | 4,031 |
| Return on assets (ROA) | 1.0554% | 2,126 |
| Pretax return on assets | 1.1241% | 2,748 |
| Return on Equity (ROE) | 11.5841% | 1,535 |
| Retained earnings to average equity (ytd only) | 8.5911% | 905 |
| Net charge-offs to loans | 0.3203% | 3,788 |
| Credit loss provision to net charge-offs | 69.8413% | 4,854 |
| Earnings coverage of net charge-offs (x) | 5.6746% | 2,712 |
| Efficiency ratio | 80.3799% | 2,256 |
| Assets per employee ($millions) | 2.5659% | 6,765 |
| Cash dividends to net income (ytd only)* | 25.8373% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5909% | 7,023 |
| Loan loss allowance to noncurrent loans | 33.8757% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 5,146 |
| Noncurrent loans to loans | 1.7442% | 3,542 |
| Net loans and leases to total assets | 38.4997% | 6,633 |
| Net loans and leases to deposits | 47.3584% | 6,542 |
| Net loans and leases to core deposits | 49.5766% | 6,550 |
| Total domestic deposits to total assets | 81.2943% | 5,363 |
| Equity capital to assets | 10.2487% | 3,855 |
| Core capital (leverage) ratio | 9.1684% | 4,517 |
| Tier 1 risk-based capital ratio | 12.3841% | 5,552 |
| Total risk-based capital ratio | 12.6963% | 6,184 |
| Memoranda: | ||
| Average total assets | $99,016,200 | 4,916 |
| Average earning assets | $88,673,200 | 4,975 |
| Average equity | $9,021,000 | 5,269 |
| Average total loans | $39,338,400 | 5,722 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8456% | 3,807 |
| Cost of funding earning assets | 1.2681% | 1,881 |
| Net interest margin | 3.5775% | 4,860 |
| Noninterest income to average assets | 0.7412% | 2,362 |
| Noninterest expense to average assets | 3.0554% | 3,329 |
| Loan and lease loss provision to assets | 0.0500% | 5,825 |
| Net operating income to assets | 0.7800% | 3,251 |
| Return on assets (ROA) | 1.0491% | 2,289 |
| Pretax return on assets | 1.1179% | 2,929 |
| Return on Equity (ROE) | 11.8910% | 1,577 |
| Retained earnings to average equity (ytd only) | 9.5955% | 956 |
| Net charge-offs to loans | 0.2364% | 3,943 |
| Credit loss provision to net charge-offs | 52.8571% | 4,977 |
| Earnings coverage of net charge-offs (x) | 9.3286% | 2,061 |
| Efficiency ratio | 76.6118% | 2,744 |
| Assets per employee ($millions) | 2.5439% | 6,840 |
| Cash dividends to net income (ytd only)* | 19.3056% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5963% | 7,087 |
| Loan loss allowance to noncurrent loans | 33.5244% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 0.7368% | 5,316 |
| Noncurrent loans to loans | 1.7787% | 3,669 |
| Net loans and leases to total assets | 39.3170% | 6,688 |
| Net loans and leases to deposits | 48.7362% | 6,586 |
| Net loans and leases to core deposits | 50.5947% | 6,644 |
| Total domestic deposits to total assets | 80.6731% | 5,541 |
| Equity capital to assets | 10.6588% | 3,503 |
| Core capital (leverage) ratio | 9.0413% | 4,865 |
| Tier 1 risk-based capital ratio | 12.5032% | 5,481 |
| Total risk-based capital ratio | 12.8310% | 6,183 |
| Memoranda: | ||
| Average total assets | $98,752,500 | 4,957 |
| Average earning assets | $88,215,250 | 5,019 |
| Average equity | $8,712,250 | 5,384 |
| Average total loans | $39,484,000 | 5,769 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9549% | 3,382 |
| Cost of funding earning assets | 1.2836% | 2,045 |
| Net interest margin | 3.6713% | 4,404 |
| Noninterest income to average assets | 0.7039% | 2,529 |
| Noninterest expense to average assets | 3.0548% | 3,415 |
| Loan and lease loss provision to assets | 0.0264% | 5,973 |
| Net operating income to assets | 0.8395% | 2,907 |
| Return on assets (ROA) | 0.9980% | 2,343 |
| Pretax return on assets | 1.0710% | 2,964 |
| Return on Equity (ROE) | 12.1612% | 1,450 |
| Retained earnings to average equity (ytd only) | 8.4535% | 1,278 |
| Net charge-offs to loans | 0.0253% | 5,473 |
| Credit loss provision to net charge-offs | 260.0000% | 1,170 |
| Earnings coverage of net charge-offs (x) | 91.4000% | 390 |
| Efficiency ratio | 75.7005% | 3,073 |
| Assets per employee ($millions) | 2.5665% | 6,839 |
| Cash dividends to net income (ytd only)* | 30.4878% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6833% | 7,039 |
| Loan loss allowance to noncurrent loans | 37.2629% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 0.7703% | 5,356 |
| Noncurrent loans to loans | 1.8338% | 3,703 |
| Net loans and leases to total assets | 39.9325% | 6,751 |
| Net loans and leases to deposits | 48.5432% | 6,696 |
| Net loans and leases to core deposits | 50.3407% | 6,746 |
| Total domestic deposits to total assets | 82.2617% | 5,076 |
| Equity capital to assets | 9.0695% | 5,484 |
| Core capital (leverage) ratio | 8.7122% | 5,206 |
| Tier 1 risk-based capital ratio | 11.6597% | 6,043 |
| Total risk-based capital ratio | 12.0312% | 6,649 |
| Memoranda: | ||
| Average total assets | $98,598,670 | 4,999 |
| Average earning assets | $88,034,330 | 5,061 |
| Average equity | $8,091,330 | 5,584 |
| Average total loans | $39,564,670 | 5,817 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9883% | 3,155 |
| Cost of funding earning assets | 1.2983% | 2,181 |
| Net interest margin | 3.6900% | 4,159 |
| Noninterest income to average assets | 0.7113% | 2,511 |
| Noninterest expense to average assets | 3.0087% | 3,606 |
| Loan and lease loss provision to assets | 0.0204% | 5,696 |
| Net operating income to assets | 0.9297% | 2,446 |
| Return on assets (ROA) | 1.0220% | 2,149 |
| Pretax return on assets | 1.0915% | 2,788 |
| Return on Equity (ROE) | 13.1614% | 1,156 |
| Retained earnings to average equity (ytd only) | 7.8968% | 1,777 |
| Net charge-offs to loans | 0.0306% | 4,669 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 82.6667% | 370 |
| Efficiency ratio | 73.7805% | 3,551 |
| Assets per employee ($millions) | 2.5596% | 6,901 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6794% | 7,099 |
| Loan loss allowance to noncurrent loans | 42.2292% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 0.8916% | 5,123 |
| Noncurrent loans to loans | 1.6088% | 4,073 |
| Net loans and leases to total assets | 39.3957% | 6,819 |
| Net loans and leases to deposits | 47.1778% | 6,786 |
| Net loans and leases to core deposits | 48.9026% | 6,839 |
| Total domestic deposits to total assets | 83.5048% | 4,700 |
| Equity capital to assets | 7.9952% | 6,497 |
| Core capital (leverage) ratio | 8.5133% | 5,429 |
| Tier 1 risk-based capital ratio | 11.3547% | 6,209 |
| Total risk-based capital ratio | 11.7171% | 6,811 |
| Memoranda: | ||
| Average total assets | $97,851,000 | 5,062 |
| Average earning assets | $87,805,000 | 5,097 |
| Average equity | $7,598,000 | 5,744 |
| Average total loans | $39,224,500 | 5,884 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2722% | 3,257 |
| Cost of funding earning assets | 1.4472% | 2,975 |
| Net interest margin | 3.8250% | 3,838 |
| Noninterest income to average assets | 0.6312% | 3,276 |
| Noninterest expense to average assets | 3.5699% | 2,001 |
| Loan and lease loss provision to assets | 0.0130% | 6,965 |
| Net operating income to assets | 0.4449% | 4,341 |
| Return on assets (ROA) | 0.9295% | 2,408 |
| Pretax return on assets | 0.9889% | 2,965 |
| Return on Equity (ROE) | 10.2281% | 1,845 |
| Retained earnings to average equity (ytd only) | 9.0388% | 690 |
| Net charge-offs to loans | 0.1698% | 5,311 |
| Credit loss provision to net charge-offs | 17.9104% | 6,571 |
| Earnings coverage of net charge-offs (x) | 6.7164% | 2,296 |
| Efficiency ratio | 86.9704% | 1,572 |
| Assets per employee ($millions) | 2.4584% | 7,067 |
| Cash dividends to net income (ytd only)* | 11.6279% | 3,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6872% | 7,149 |
| Loan loss allowance to noncurrent loans | 39.7321% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 0.9689% | 5,067 |
| Noncurrent loans to loans | 1.7296% | 3,904 |
| Net loans and leases to total assets | 40.2455% | 6,949 |
| Net loans and leases to deposits | 48.2012% | 6,942 |
| Net loans and leases to core deposits | 49.7550% | 6,990 |
| Total domestic deposits to total assets | 83.4948% | 4,607 |
| Equity capital to assets | 7.5251% | 6,871 |
| Core capital (leverage) ratio | 8.8829% | 4,723 |
| Tier 1 risk-based capital ratio | 11.3268% | 6,065 |
| Total risk-based capital ratio | 11.6926% | 6,713 |
| Memoranda: | ||
| Average total assets | $92,524,000 | 5,204 |
| Average earning assets | $82,849,600 | 5,253 |
| Average equity | $8,408,200 | 5,583 |
| Average total loans | $39,446,600 | 5,941 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3362% | 3,178 |
| Cost of funding earning assets | 1.4611% | 3,214 |
| Net interest margin | 3.8751% | 3,638 |
| Noninterest income to average assets | 0.6588% | 3,081 |
| Noninterest expense to average assets | 3.6937% | 1,577 |
| Loan and lease loss provision to assets | 0.0175% | 6,876 |
| Net operating income to assets | 0.3891% | 4,795 |
| Return on assets (ROA) | 0.8798% | 2,835 |
| Pretax return on assets | 0.9409% | 3,404 |
| Return on Equity (ROE) | 9.2649% | 2,401 |
| Retained earnings to average equity (ytd only) | 9.2649% | 974 |
| Net charge-offs to loans | 0.0909% | 5,612 |
| Credit loss provision to net charge-offs | 44.4444% | 5,964 |
| Earnings coverage of net charge-offs (x) | 11.1108% | 1,817 |
| Efficiency ratio | 88.4155% | 1,419 |
| Assets per employee ($millions) | 2.6192% | 6,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7718% | 7,063 |
| Loan loss allowance to noncurrent loans | 43.3004% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 0.8128% | 5,469 |
| Noncurrent loans to loans | 1.7824% | 3,972 |
| Net loans and leases to total assets | 39.6570% | 7,093 |
| Net loans and leases to deposits | 48.3814% | 7,072 |
| Net loans and leases to core deposits | 49.9109% | 7,128 |
| Total domestic deposits to total assets | 81.9674% | 5,011 |
| Equity capital to assets | 9.6693% | 4,585 |
| Core capital (leverage) ratio | 8.8952% | 4,856 |
| Tier 1 risk-based capital ratio | 11.6380% | 5,800 |
| Total risk-based capital ratio | 12.0789% | 6,499 |
| Memoranda: | ||
| Average total assets | $91,685,250 | 5,302 |
| Average earning assets | $82,128,750 | 5,340 |
| Average equity | $8,706,500 | 5,574 |
| Average total loans | $39,594,750 | 6,021 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4602% | 2,698 |
| Cost of funding earning assets | 1.4898% | 3,309 |
| Net interest margin | 3.9704% | 3,157 |
| Noninterest income to average assets | 0.7163% | 2,610 |
| Noninterest expense to average assets | 4.0395% | 999 |
| Loan and lease loss provision to assets | 0.0067% | 6,822 |
| Net operating income to assets | 0.1778% | 5,641 |
| Return on assets (ROA) | 0.5367% | 4,312 |
| Pretax return on assets | 0.5703% | 4,670 |
| Return on Equity (ROE) | 5.6900% | 3,948 |
| Retained earnings to average equity (ytd only) | 5.6900% | 2,502 |
| Net charge-offs to loans | 0.1315% | 4,894 |
| Credit loss provision to net charge-offs | 11.5385% | 5,927 |
| Earnings coverage of net charge-offs (x) | 3.3462% | 3,362 |
| Efficiency ratio | 94.3266% | 1,048 |
| Assets per employee ($millions) | 2.3739% | 7,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7538% | 7,137 |
| Loan loss allowance to noncurrent loans | 43.4593% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 0.8735% | 5,376 |
| Noncurrent loans to loans | 1.7344% | 4,083 |
| Net loans and leases to total assets | 43.6409% | 6,953 |
| Net loans and leases to deposits | 54.3472% | 6,842 |
| Net loans and leases to core deposits | 56.2899% | 6,925 |
| Total domestic deposits to total assets | 80.3002% | 5,633 |
| Equity capital to assets | 10.1886% | 3,785 |
| Core capital (leverage) ratio | 8.7327% | 5,031 |
| Tier 1 risk-based capital ratio | 11.7695% | 5,526 |
| Total risk-based capital ratio | 12.2249% | 6,251 |
| Memoranda: | ||
| Average total assets | $89,070,000 | 5,420 |
| Average earning assets | $78,934,670 | 5,475 |
| Average equity | $8,400,670 | 5,661 |
| Average total loans | $39,533,670 | 6,066 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4972% | 2,584 |
| Cost of funding earning assets | 1.4964% | 3,585 |
| Net interest margin | 4.0008% | 2,870 |
| Noninterest income to average assets | 0.7503% | 2,299 |
| Noninterest expense to average assets | 4.8045% | 431 |
| Loan and lease loss provision to assets | 0.0136% | 6,484 |
| Net operating income to assets | -0.5876% | 6,888 |
| Return on assets (ROA) | -0.2260% | 6,646 |
| Pretax return on assets | -0.1898% | 6,548 |
| Return on Equity (ROE) | -2.4983% | 6,693 |
| Retained earnings to average equity (ytd only) | -2.4983% | 6,291 |
| Net charge-offs to loans | 0.1014% | 4,403 |
| Credit loss provision to net charge-offs | 30.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | -11.9000% | 5,566 |
| Efficiency ratio | 111.5466% | 570 |
| Assets per employee ($millions) | 2.3145% | 7,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8031% | 7,123 |
| Loan loss allowance to noncurrent loans | 48.1651% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 0.8778% | 5,403 |
| Noncurrent loans to loans | 1.6674% | 4,247 |
| Net loans and leases to total assets | 44.2383% | 6,972 |
| Net loans and leases to deposits | 54.3074% | 6,897 |
| Net loans and leases to core deposits | 56.2710% | 6,977 |
| Total domestic deposits to total assets | 81.4590% | 5,287 |
| Equity capital to assets | 9.3347% | 4,781 |
| Core capital (leverage) ratio | 8.4880% | 5,398 |
| Tier 1 risk-based capital ratio | 11.7182% | 5,477 |
| Total risk-based capital ratio | 12.2151% | 6,163 |
| Memoranda: | ||
| Average total assets | $88,500,500 | 5,498 |
| Average earning assets | $77,784,500 | 5,579 |
| Average equity | $8,005,500 | 5,842 |
| Average total loans | $39,467,000 | 6,146 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8679% | 2,379 |
| Cost of funding earning assets | 1.7219% | 4,400 |
| Net interest margin | 4.1460% | 2,263 |
| Noninterest income to average assets | 0.8582% | 2,147 |
| Noninterest expense to average assets | 3.7613% | 1,770 |
| Loan and lease loss provision to assets | 0.0227% | 7,282 |
| Net operating income to assets | 0.6854% | 2,995 |
| Return on assets (ROA) | 0.9571% | 2,040 |
| Pretax return on assets | 0.9946% | 2,608 |
| Return on Equity (ROE) | 10.8572% | 1,465 |
| Retained earnings to average equity (ytd only) | 5.0547% | 1,792 |
| Net charge-offs to loans | -0.0050% | 7,718 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6802% | 2,526 |
| Assets per employee ($millions) | 2.2263% | 7,548 |
| Cash dividends to net income (ytd only)* | 53.4442% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8109% | 7,099 |
| Loan loss allowance to noncurrent loans | 42.7056% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 1.7900% | 3,683 |
| Noncurrent loans to loans | 1.8987% | 3,803 |
| Net loans and leases to total assets | 44.2325% | 7,108 |
| Net loans and leases to deposits | 56.2901% | 6,900 |
| Net loans and leases to core deposits | 65.4792% | 7,007 |
| Total domestic deposits to total assets | 78.5794% | 6,099 |
| Equity capital to assets | 8.7602% | 5,503 |
| Core capital (leverage) ratio | 8.5683% | 5,157 |
| Tier 1 risk-based capital ratio | 10.7891% | 6,124 |
| Total risk-based capital ratio | 11.2543% | 6,836 |
| Memoranda: | ||
| Average total assets | $87,973,800 | 5,450 |
| Average earning assets | $77,182,800 | 5,554 |
| Average equity | $7,755,200 | 6,010 |
| Average total loans | $40,107,200 | 6,107 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9545% | 2,215 |
| Cost of funding earning assets | 1.7645% | 4,560 |
| Net interest margin | 4.1900% | 2,097 |
| Noninterest income to average assets | 0.8848% | 2,043 |
| Noninterest expense to average assets | 3.7610% | 1,686 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8038% | 2,800 |
| Return on assets (ROA) | 1.1219% | 1,733 |
| Pretax return on assets | 1.1660% | 2,367 |
| Return on Equity (ROE) | 12.7068% | 1,175 |
| Retained earnings to average equity (ytd only) | 12.7068% | 284 |
| Net charge-offs to loans | -0.0862% | 7,910 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8799% | 2,725 |
| Assets per employee ($millions) | 2.0510% | 7,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8013% | 7,110 |
| Loan loss allowance to noncurrent loans | 47.4527% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 1.8845% | 3,530 |
| Noncurrent loans to loans | 1.6886% | 4,112 |
| Net loans and leases to total assets | 49.1943% | 6,849 |
| Net loans and leases to deposits | 61.0865% | 6,746 |
| Net loans and leases to core deposits | 71.6063% | 6,869 |
| Total domestic deposits to total assets | 80.5322% | 5,231 |
| Equity capital to assets | 10.2294% | 3,810 |
| Core capital (leverage) ratio | 8.8443% | 4,902 |
| Tier 1 risk-based capital ratio | 13.9102% | 3,606 |
| Total risk-based capital ratio | 14.4912% | 3,971 |
| Memoranda: | ||
| Average total assets | $87,704,750 | 5,489 |
| Average earning assets | $77,676,000 | 5,568 |
| Average equity | $7,743,750 | 6,065 |
| Average total loans | $40,206,250 | 6,145 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9019% | 2,569 |
| Cost of funding earning assets | 1.7812% | 4,855 |
| Net interest margin | 4.1208% | 2,251 |
| Noninterest income to average assets | 0.7969% | 2,426 |
| Noninterest expense to average assets | 3.5940% | 2,083 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8251% | 2,754 |
| Return on assets (ROA) | 1.0023% | 2,192 |
| Pretax return on assets | 1.0246% | 2,907 |
| Return on Equity (ROE) | 11.9293% | 1,436 |
| Retained earnings to average equity (ytd only) | 11.9293% | 459 |
| Net charge-offs to loans | -0.1298% | 7,987 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9799% | 3,047 |
| Assets per employee ($millions) | 2.2203% | 7,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7949% | 7,174 |
| Loan loss allowance to noncurrent loans | 31.8982% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 2.1338% | 3,014 |
| Noncurrent loans to loans | 2.4920% | 2,908 |
| Net loans and leases to total assets | 45.8113% | 7,207 |
| Net loans and leases to deposits | 55.7619% | 7,179 |
| Net loans and leases to core deposits | 69.7270% | 7,033 |
| Total domestic deposits to total assets | 82.1552% | 4,626 |
| Equity capital to assets | 8.3076% | 6,318 |
| Core capital (leverage) ratio | 8.3795% | 5,659 |
| Tier 1 risk-based capital ratio | 11.5255% | 5,353 |
| Total risk-based capital ratio | 12.0261% | 6,039 |
| Memoranda: | ||
| Average total assets | $89,593,670 | 5,477 |
| Average earning assets | $79,160,330 | 5,561 |
| Average equity | $7,527,670 | 6,172 |
| Average total loans | $40,047,000 | 6,206 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9357% | 2,624 |
| Cost of funding earning assets | 1.8063% | 5,086 |
| Net interest margin | 4.1294% | 2,168 |
| Noninterest income to average assets | 0.8801% | 1,930 |
| Noninterest expense to average assets | 3.6539% | 1,745 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9113% | 2,656 |
| Return on assets (ROA) | 1.1113% | 2,045 |
| Pretax return on assets | 1.0846% | 3,046 |
| Return on Equity (ROE) | 13.1536% | 1,348 |
| Retained earnings to average equity (ytd only) | 13.1536% | 615 |
| Net charge-offs to loans | -0.3336% | 8,080 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5299% | 2,905 |
| Assets per employee ($millions) | 2.2488% | 7,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8287% | 7,050 |
| Loan loss allowance to noncurrent loans | 47.3011% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 1.7731% | 3,260 |
| Noncurrent loans to loans | 1.7521% | 3,638 |
| Net loans and leases to total assets | 44.2987% | 7,312 |
| Net loans and leases to deposits | 53.2315% | 7,329 |
| Net loans and leases to core deposits | 69.0391% | 7,079 |
| Total domestic deposits to total assets | 83.2190% | 4,034 |
| Equity capital to assets | 8.3855% | 6,259 |
| Core capital (leverage) ratio | 8.1281% | 6,231 |
| Tier 1 risk-based capital ratio | 11.5784% | 5,339 |
| Total risk-based capital ratio | 12.1067% | 5,939 |
| Memoranda: | ||
| Average total assets | $89,985,500 | 5,485 |
| Average earning assets | $79,721,000 | 5,555 |
| Average equity | $7,602,500 | 6,186 |
| Average total loans | $39,565,000 | 6,255 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5336% | 2,793 |
| Cost of funding earning assets | 2.3990% | 4,720 |
| Net interest margin | 4.1345% | 2,563 |
| Noninterest income to average assets | 0.9505% | 1,765 |
| Noninterest expense to average assets | 3.9135% | 1,539 |
| Loan and lease loss provision to assets | 0.1813% | 5,086 |
| Net operating income to assets | 0.4800% | 4,829 |
| Return on assets (ROA) | 0.5496% | 4,383 |
| Pretax return on assets | 0.5777% | 4,762 |
| Return on Equity (ROE) | 6.5957% | 3,716 |
| Retained earnings to average equity (ytd only) | 1.2570% | 4,467 |
| Net charge-offs to loans | 0.2536% | 3,739 |
| Credit loss provision to net charge-offs | 165.9794% | 3,098 |
| Earnings coverage of net charge-offs (x) | 6.2784% | 3,400 |
| Efficiency ratio | 84.1332% | 2,041 |
| Assets per employee ($millions) | 2.2505% | 7,633 |
| Cash dividends to net income (ytd only)* | 80.9426% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7702% | 7,201 |
| Loan loss allowance to noncurrent loans | 42.1348% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 1.8485% | 2,675 |
| Noncurrent loans to loans | 1.8280% | 3,019 |
| Net loans and leases to total assets | 42.9347% | 7,537 |
| Net loans and leases to deposits | 51.0953% | 7,578 |
| Net loans and leases to core deposits | 67.0768% | 7,326 |
| Total domestic deposits to total assets | 84.0287% | 3,308 |
| Equity capital to assets | 8.5116% | 6,065 |
| Core capital (leverage) ratio | 7.9339% | 6,596 |
| Tier 1 risk-based capital ratio | 12.1036% | 4,736 |
| Total risk-based capital ratio | 12.6195% | 5,265 |
| Memoranda: | ||
| Average total assets | $88,796,200 | 5,395 |
| Average earning assets | $78,364,600 | 5,481 |
| Average equity | $7,398,800 | 6,315 |
| Average total loans | $38,241,800 | 6,259 |