Home > The Mercantile Bank of Louisiana, Missouri > Performance and Condition Ratios
The Mercantile Bank of Louisiana, Missouri, Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4303% | 2,808 |
| Cost of funding earning assets | 1.1350% | 2,181 |
| Net interest margin | 3.2953% | 2,761 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 1.9644% | 3,675 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4955% | 1,109 |
| Return on assets (ROA) | 1.4955% | 1,108 |
| Pretax return on assets | 1.4955% | 1,609 |
| Return on Equity (ROE) | 9.9900% | 2,700 |
| Retained earnings to average equity (ytd only) | 4.3707% | 3,109 |
| Net charge-offs to loans | -0.0156% | 4,058 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.7750% | 3,324 |
| Assets per employee ($millions) | 6.2157% | 2,531 |
| Cash dividends to net income (ytd only)* | 56.2500% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0260% | 128 |
| Loan loss allowance to noncurrent loans | 4,634.3284% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 3,288 |
| Noncurrent loans to loans | 0.0653% | 3,238 |
| Net loans and leases to total assets | 72.7700% | 1,441 |
| Net loans and leases to deposits | 94.2569% | 835 |
| Net loans and leases to core deposits | 121.6021% | 481 |
| Total domestic deposits to total assets | 77.2000% | 3,927 |
| Equity capital to assets | 15.1852% | 507 |
| Core capital (leverage) ratio | 17.0618% | 393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $136,940,667 | 3,500 |
| Average earning assets | $131,458,667 | 3,450 |
| Average equity | $20,500,333 | 2,816 |
| Average total loans | $102,367,000 | 3,151 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3355% | 2,715 |
| Cost of funding earning assets | 0.8288% | 2,609 |
| Net interest margin | 3.5066% | 2,347 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.0170% | 3,590 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6871% | 841 |
| Return on assets (ROA) | 1.6871% | 839 |
| Pretax return on assets | 1.6871% | 1,294 |
| Return on Equity (ROE) | 11.3500% | 2,390 |
| Retained earnings to average equity (ytd only) | 4.7133% | 3,085 |
| Net charge-offs to loans | -0.0156% | 4,015 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.4523% | 3,559 |
| Assets per employee ($millions) | 6.3690% | 2,437 |
| Cash dividends to net income (ytd only)* | 58.4775% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9982% | 125 |
| Loan loss allowance to noncurrent loans | 6,597.8723% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 3,444 |
| Noncurrent loans to loans | 0.0454% | 3,411 |
| Net loans and leases to total assets | 71.6000% | 1,459 |
| Net loans and leases to deposits | 84.1925% | 1,485 |
| Net loans and leases to core deposits | 109.6936% | 713 |
| Total domestic deposits to total assets | 85.0500% | 2,848 |
| Equity capital to assets | 14.7767% | 504 |
| Core capital (leverage) ratio | 16.8613% | 405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $137,038,500 | 3,543 |
| Average earning assets | $131,751,000 | 3,490 |
| Average equity | $20,368,000 | 2,849 |
| Average total loans | $102,244,500 | 3,186 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7200% | 2,473 |
| Cost of funding earning assets | 0.3091% | 2,798 |
| Net interest margin | 3.4109% | 2,220 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.4439% | 2,291 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.0430% | 2,406 |
| Return on assets (ROA) | 1.0430% | 2,346 |
| Pretax return on assets | 1.0738% | 2,852 |
| Return on Equity (ROE) | 6.4300% | 3,739 |
| Retained earnings to average equity (ytd only) | -0.7519% | 4,427 |
| Net charge-offs to loans | -0.0162% | 3,990 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.2759% | 1,929 |
| Assets per employee ($millions) | 5.3583% | 3,362 |
| Cash dividends to net income (ytd only)* | 111.6864% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0576% | 115 |
| Loan loss allowance to noncurrent loans | 17,166.6667% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 3,737 |
| Noncurrent loans to loans | 0.0178% | 3,706 |
| Net loans and leases to total assets | 73.1300% | 1,299 |
| Net loans and leases to deposits | 86.1229% | 1,307 |
| Net loans and leases to core deposits | 101.0323% | 946 |
| Total domestic deposits to total assets | 84.9200% | 3,012 |
| Equity capital to assets | 14.9532% | 472 |
| Core capital (leverage) ratio | 17.1517% | 380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $129,631,000 | 3,636 |
| Average earning assets | $124,541,800 | 3,573 |
| Average equity | $21,013,800 | 2,856 |
| Average total loans | $86,664,600 | 3,321 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5517% | 2,463 |
| Cost of funding earning assets | 0.2462% | 2,745 |
| Net interest margin | 3.3054% | 2,279 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.3109% | 2,601 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.1025% | 2,077 |
| Return on assets (ROA) | 1.1025% | 2,047 |
| Pretax return on assets | 1.1025% | 2,713 |
| Return on Equity (ROE) | 6.6700% | 3,660 |
| Retained earnings to average equity (ytd only) | -1.5491% | 4,460 |
| Net charge-offs to loans | -0.0193% | 3,982 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.0931% | 2,266 |
| Assets per employee ($millions) | 5.4872% | 3,235 |
| Cash dividends to net income (ytd only)* | 123.2361% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1553% | 116 |
| Loan loss allowance to noncurrent loans | 17,155.5556% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 3,838 |
| Noncurrent loans to loans | 0.0184% | 3,791 |
| Net loans and leases to total assets | 69.0900% | 1,560 |
| Net loans and leases to deposits | 80.9114% | 1,529 |
| Net loans and leases to core deposits | 93.4151% | 1,120 |
| Total domestic deposits to total assets | 85.3900% | 3,200 |
| Equity capital to assets | 14.3921% | 521 |
| Core capital (leverage) ratio | 17.4608% | 347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $128,549,250 | 3,672 |
| Average earning assets | $123,470,000 | 3,610 |
| Average equity | $21,259,500 | 2,873 |
| Average total loans | $83,065,750 | 3,377 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3856% | 2,480 |
| Cost of funding earning assets | 0.2073% | 2,820 |
| Net interest margin | 3.1784% | 2,258 |
| Noninterest income to average assets | 0.3565% | 3,013 |
| Noninterest expense to average assets | 2.2694% | 2,636 |
| Loan and lease loss provision to assets | 0.0955% | 1,038 |
| Net operating income to assets | 1.0424% | 2,011 |
| Return on assets (ROA) | 1.0424% | 1,979 |
| Pretax return on assets | 1.0424% | 2,597 |
| Return on Equity (ROE) | 6.0188% | 3,569 |
| Retained earnings to average equity (ytd only) | -1.3324% | 4,325 |
| Net charge-offs to loans | -0.0179% | 3,821 |
| Credit loss provision to net charge-offs | -857.1429% | 3,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6044% | 2,428 |
| Assets per employee ($millions) | 4.8751% | 3,791 |
| Cash dividends to net income (ytd only)* | 122.1374% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6189% | 87 |
| Loan loss allowance to noncurrent loans | 1,331.7391% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 2,448 |
| Noncurrent loans to loans | 0.2717% | 2,392 |
| Net loans and leases to total assets | 64.3590% | 1,864 |
| Net loans and leases to deposits | 77.0736% | 1,599 |
| Net loans and leases to core deposits | 78.4658% | 1,824 |
| Total domestic deposits to total assets | 83.5033% | 3,785 |
| Equity capital to assets | 16.3539% | 310 |
| Core capital (leverage) ratio | 17.7918% | 285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,672,667 | 3,748 |
| Average earning assets | $120,627,000 | 3,695 |
| Average equity | $21,765,000 | 2,921 |
| Average total loans | $78,132,333 | 3,483 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2336% | 2,592 |
| Cost of funding earning assets | 0.2098% | 2,672 |
| Net interest margin | 3.0238% | 2,429 |
| Noninterest income to average assets | 0.2941% | 3,361 |
| Noninterest expense to average assets | 2.2536% | 2,670 |
| Loan and lease loss provision to assets | 0.0959% | 863 |
| Net operating income to assets | 0.8471% | 2,495 |
| Return on assets (ROA) | 0.8471% | 2,487 |
| Pretax return on assets | 0.8471% | 2,955 |
| Return on Equity (ROE) | 4.7570% | 3,683 |
| Retained earnings to average equity (ytd only) | 1.1668% | 3,784 |
| Net charge-offs to loans | -0.0214% | 3,947 |
| Credit loss provision to net charge-offs | -750.0000% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5000% | 2,155 |
| Assets per employee ($millions) | 5.3349% | 3,461 |
| Cash dividends to net income (ytd only)* | 75.4717% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9451% | 75 |
| Loan loss allowance to noncurrent loans | 1,267.3640% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 2,509 |
| Noncurrent loans to loans | 0.3113% | 2,345 |
| Net loans and leases to total assets | 57.6005% | 2,342 |
| Net loans and leases to deposits | 69.3928% | 2,022 |
| Net loans and leases to core deposits | 70.6404% | 2,236 |
| Total domestic deposits to total assets | 83.0065% | 3,937 |
| Equity capital to assets | 16.9021% | 274 |
| Core capital (leverage) ratio | 18.4641% | 227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,132,500 | 3,774 |
| Average earning assets | $120,114,500 | 3,714 |
| Average equity | $22,283,000 | 2,961 |
| Average total loans | $74,878,500 | 3,541 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8601% | 1,725 |
| Cost of funding earning assets | 0.3640% | 1,817 |
| Net interest margin | 3.4961% | 1,749 |
| Noninterest income to average assets | 0.2953% | 3,632 |
| Noninterest expense to average assets | 2.3516% | 2,652 |
| Loan and lease loss provision to assets | 0.1122% | 1,124 |
| Net operating income to assets | 1.1828% | 1,978 |
| Return on assets (ROA) | 1.1828% | 2,049 |
| Pretax return on assets | 1.1828% | 2,724 |
| Return on Equity (ROE) | 6.0935% | 3,759 |
| Retained earnings to average equity (ytd only) | -0.7054% | 4,566 |
| Net charge-offs to loans | -0.0195% | 3,967 |
| Credit loss provision to net charge-offs | -906.6667% | 3,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4877% | 2,482 |
| Assets per employee ($millions) | 4.7011% | 3,968 |
| Cash dividends to net income (ytd only)* | 111.5760% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1053% | 63 |
| Loan loss allowance to noncurrent loans | 21,400.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 4,030 |
| Noncurrent loans to loans | 0.0192% | 3,937 |
| Net loans and leases to total assets | 57.2553% | 2,449 |
| Net loans and leases to deposits | 70.5151% | 2,073 |
| Net loans and leases to core deposits | 71.8737% | 2,271 |
| Total domestic deposits to total assets | 81.1958% | 4,080 |
| Equity capital to assets | 18.7559% | 225 |
| Core capital (leverage) ratio | 18.9697% | 204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,236,400 | 3,787 |
| Average earning assets | $116,215,400 | 3,736 |
| Average equity | $23,533,200 | 2,936 |
| Average total loans | $76,836,800 | 3,527 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0051% | 1,523 |
| Cost of funding earning assets | 0.3566% | 2,048 |
| Net interest margin | 3.6485% | 1,470 |
| Noninterest income to average assets | 0.3008% | 3,633 |
| Noninterest expense to average assets | 2.2657% | 2,846 |
| Loan and lease loss provision to assets | 0.1165% | 1,028 |
| Net operating income to assets | 1.4139% | 1,498 |
| Return on assets (ROA) | 1.4139% | 1,559 |
| Pretax return on assets | 1.4139% | 2,279 |
| Return on Equity (ROE) | 7.2223% | 3,609 |
| Retained earnings to average equity (ytd only) | 2.7189% | 3,996 |
| Net charge-offs to loans | -0.0189% | 3,938 |
| Credit loss provision to net charge-offs | -963.6364% | 3,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6807% | 3,029 |
| Assets per employee ($millions) | 5.0632% | 3,638 |
| Cash dividends to net income (ytd only)* | 62.3539% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0532% | 66 |
| Loan loss allowance to noncurrent loans | 17,423.5294% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 4,127 |
| Noncurrent loans to loans | 0.0233% | 4,032 |
| Net loans and leases to total assets | 57.7006% | 2,535 |
| Net loans and leases to deposits | 72.5471% | 2,001 |
| Net loans and leases to core deposits | 73.9823% | 2,246 |
| Total domestic deposits to total assets | 79.5354% | 4,295 |
| Equity capital to assets | 19.6055% | 211 |
| Core capital (leverage) ratio | 19.5254% | 201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,988,500 | 3,832 |
| Average earning assets | $115,916,250 | 3,777 |
| Average equity | $23,685,250 | 2,968 |
| Average total loans | $77,801,500 | 3,563 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9809% | 1,613 |
| Cost of funding earning assets | 0.3696% | 2,142 |
| Net interest margin | 3.6113% | 1,566 |
| Noninterest income to average assets | 0.3046% | 3,610 |
| Noninterest expense to average assets | 2.2398% | 2,956 |
| Loan and lease loss provision to assets | 0.1192% | 1,057 |
| Net operating income to assets | 1.4071% | 1,545 |
| Return on assets (ROA) | 1.4071% | 1,610 |
| Pretax return on assets | 1.4071% | 2,317 |
| Return on Equity (ROE) | 7.1915% | 3,605 |
| Retained earnings to average equity (ytd only) | 3.3842% | 3,723 |
| Net charge-offs to loans | -0.0176% | 3,932 |
| Credit loss provision to net charge-offs | -1,028.5714% | 3,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4725% | 3,085 |
| Assets per employee ($millions) | 5.3554% | 3,283 |
| Cash dividends to net income (ytd only)* | 52.9412% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8834% | 73 |
| Loan loss allowance to noncurrent loans | 11,696.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 4,145 |
| Noncurrent loans to loans | 0.0332% | 4,034 |
| Net loans and leases to total assets | 58.7543% | 2,575 |
| Net loans and leases to deposits | 73.7048% | 2,028 |
| Net loans and leases to core deposits | 75.1389% | 2,315 |
| Total domestic deposits to total assets | 79.7157% | 4,267 |
| Equity capital to assets | 19.3158% | 215 |
| Core capital (leverage) ratio | 19.1116% | 212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,812,333 | 3,842 |
| Average earning assets | $115,801,667 | 3,790 |
| Average equity | $23,639,000 | 2,964 |
| Average total loans | $79,376,000 | 3,561 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6925% | 2,379 |
| Cost of funding earning assets | 0.3804% | 2,258 |
| Net interest margin | 3.3121% | 2,353 |
| Noninterest income to average assets | 0.2976% | 3,626 |
| Noninterest expense to average assets | 2.3840% | 2,543 |
| Loan and lease loss provision to assets | 0.1204% | 1,142 |
| Net operating income to assets | 0.9663% | 2,913 |
| Return on assets (ROA) | 0.9663% | 3,009 |
| Pretax return on assets | 0.9663% | 3,465 |
| Return on Equity (ROE) | 4.9061% | 4,107 |
| Retained earnings to average equity (ytd only) | 1.5109% | 4,121 |
| Net charge-offs to loans | -0.0197% | 3,989 |
| Credit loss provision to net charge-offs | -900.0000% | 3,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6898% | 1,847 |
| Assets per employee ($millions) | 5.3671% | 3,257 |
| Cash dividends to net income (ytd only)* | 69.2042% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5795% | 92 |
| Loan loss allowance to noncurrent loans | 10,685.1852% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 4,213 |
| Noncurrent loans to loans | 0.0335% | 4,114 |
| Net loans and leases to total assets | 62.9532% | 2,174 |
| Net loans and leases to deposits | 78.4193% | 1,682 |
| Net loans and leases to core deposits | 79.9292% | 2,009 |
| Total domestic deposits to total assets | 80.2777% | 4,167 |
| Equity capital to assets | 19.0354% | 221 |
| Core capital (leverage) ratio | 19.6434% | 199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,631,500 | 3,866 |
| Average earning assets | $114,609,500 | 3,804 |
| Average equity | $23,562,500 | 2,961 |
| Average total loans | $81,417,000 | 3,536 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1442% | 2,301 |
| Cost of funding earning assets | 0.4911% | 3,002 |
| Net interest margin | 3.6531% | 1,970 |
| Noninterest income to average assets | 0.3087% | 3,635 |
| Noninterest expense to average assets | 2.3768% | 3,185 |
| Loan and lease loss provision to assets | 0.1927% | 2,027 |
| Net operating income to assets | 1.2205% | 1,478 |
| Return on assets (ROA) | 1.2241% | 1,580 |
| Pretax return on assets | 1.2267% | 2,238 |
| Return on Equity (ROE) | 5.7878% | 3,645 |
| Retained earnings to average equity (ytd only) | 0.9365% | 4,248 |
| Net charge-offs to loans | -0.0320% | 4,555 |
| Credit loss provision to net charge-offs | -864.0000% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6676% | 3,024 |
| Assets per employee ($millions) | 5.0356% | 3,358 |
| Cash dividends to net income (ytd only)* | 83.8192% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4595% | 95 |
| Loan loss allowance to noncurrent loans | 2,076.6423% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 3,699 |
| Noncurrent loans to loans | 0.1666% | 3,610 |
| Net loans and leases to total assets | 68.5483% | 1,756 |
| Net loans and leases to deposits | 86.8346% | 1,187 |
| Net loans and leases to core deposits | 88.6744% | 1,627 |
| Total domestic deposits to total assets | 78.9413% | 4,208 |
| Equity capital to assets | 20.3999% | 184 |
| Core capital (leverage) ratio | 19.8071% | 196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,085,600 | 3,854 |
| Average earning assets | $106,895,400 | 3,816 |
| Average equity | $23,705,000 | 2,891 |
| Average total loans | $78,175,400 | 3,591 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2613% | 2,220 |
| Cost of funding earning assets | 0.5086% | 3,169 |
| Net interest margin | 3.7527% | 1,754 |
| Noninterest income to average assets | 0.3119% | 3,622 |
| Noninterest expense to average assets | 2.4350% | 3,036 |
| Loan and lease loss provision to assets | 0.2159% | 1,869 |
| Net operating income to assets | 1.2331% | 1,542 |
| Return on assets (ROA) | 1.2331% | 1,664 |
| Pretax return on assets | 1.2367% | 2,271 |
| Return on Equity (ROE) | 5.7773% | 3,625 |
| Retained earnings to average equity (ytd only) | 2.1243% | 3,885 |
| Net charge-offs to loans | -0.0363% | 4,594 |
| Credit loss provision to net charge-offs | -857.1429% | 3,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6350% | 2,966 |
| Assets per employee ($millions) | 4.9857% | 3,266 |
| Cash dividends to net income (ytd only)* | 63.2296% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4985% | 95 |
| Loan loss allowance to noncurrent loans | 1,821.4286% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 3,753 |
| Noncurrent loans to loans | 0.1921% | 3,623 |
| Net loans and leases to total assets | 67.4730% | 2,322 |
| Net loans and leases to deposits | 86.1095% | 1,692 |
| Net loans and leases to core deposits | 87.9647% | 2,151 |
| Total domestic deposits to total assets | 78.3572% | 4,145 |
| Equity capital to assets | 20.7856% | 185 |
| Core capital (leverage) ratio | 20.3532% | 187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,152,250 | 3,864 |
| Average earning assets | $105,911,500 | 3,823 |
| Average equity | $23,724,500 | 2,889 |
| Average total loans | $77,160,000 | 3,624 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 1,933 |
| Cost of funding earning assets | 0.5214% | 3,409 |
| Net interest margin | 3.9728% | 1,396 |
| Noninterest income to average assets | 0.3164% | 3,568 |
| Noninterest expense to average assets | 2.4877% | 2,994 |
| Loan and lease loss provision to assets | 0.1964% | 2,077 |
| Net operating income to assets | 1.4094% | 1,095 |
| Return on assets (ROA) | 1.4094% | 1,185 |
| Pretax return on assets | 1.4148% | 1,694 |
| Return on Equity (ROE) | 6.5435% | 3,312 |
| Retained earnings to average equity (ytd only) | 3.1662% | 3,317 |
| Net charge-offs to loans | -0.0446% | 4,657 |
| Credit loss provision to net charge-offs | -635.2941% | 3,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6921% | 3,320 |
| Assets per employee ($millions) | 5.0580% | 3,102 |
| Cash dividends to net income (ytd only)* | 51.6129% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4982% | 91 |
| Loan loss allowance to noncurrent loans | 7,378.3784% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 4,389 |
| Noncurrent loans to loans | 0.0474% | 4,295 |
| Net loans and leases to total assets | 64.7363% | 2,787 |
| Net loans and leases to deposits | 82.2783% | 2,176 |
| Net loans and leases to core deposits | 84.0159% | 2,601 |
| Total domestic deposits to total assets | 78.6797% | 4,080 |
| Equity capital to assets | 20.5209% | 191 |
| Core capital (leverage) ratio | 20.9593% | 175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,979,333 | 3,868 |
| Average earning assets | $104,713,000 | 3,829 |
| Average equity | $23,687,667 | 2,877 |
| Average total loans | $76,154,333 | 3,644 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6320% | 1,903 |
| Cost of funding earning assets | 0.5756% | 3,563 |
| Net interest margin | 4.0565% | 1,231 |
| Noninterest income to average assets | 0.3595% | 3,370 |
| Noninterest expense to average assets | 2.6704% | 2,782 |
| Loan and lease loss provision to assets | 0.1348% | 2,041 |
| Net operating income to assets | 1.3970% | 989 |
| Return on assets (ROA) | 1.3970% | 1,068 |
| Pretax return on assets | 1.4082% | 1,537 |
| Return on Equity (ROE) | 6.3234% | 3,197 |
| Retained earnings to average equity (ytd only) | 2.9328% | 3,112 |
| Net charge-offs to loans | -0.0745% | 4,749 |
| Credit loss provision to net charge-offs | -257.1429% | 3,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3778% | 3,315 |
| Assets per employee ($millions) | 4.5772% | 3,160 |
| Cash dividends to net income (ytd only)* | 53.6193% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5243% | 98 |
| Loan loss allowance to noncurrent loans | 6,984.2105% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 4,436 |
| Noncurrent loans to loans | 0.0505% | 4,348 |
| Net loans and leases to total assets | 69.0100% | 2,394 |
| Net loans and leases to deposits | 90.0160% | 1,510 |
| Net loans and leases to core deposits | 92.1756% | 2,133 |
| Total domestic deposits to total assets | 76.6642% | 4,402 |
| Equity capital to assets | 22.5275% | 163 |
| Core capital (leverage) ratio | 21.8197% | 177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,801,500 | 3,889 |
| Average earning assets | $101,467,500 | 3,858 |
| Average equity | $23,595,000 | 2,881 |
| Average total loans | $75,211,000 | 3,656 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 2,661 |
| Cost of funding earning assets | 0.5774% | 3,730 |
| Net interest margin | 4.0103% | 1,822 |
| Noninterest income to average assets | 0.3333% | 3,713 |
| Noninterest expense to average assets | 2.5893% | 3,210 |
| Loan and lease loss provision to assets | 0.1232% | 1,721 |
| Net operating income to assets | 1.4826% | 1,095 |
| Return on assets (ROA) | 1.8811% | 466 |
| Pretax return on assets | 1.8376% | 862 |
| Return on Equity (ROE) | 8.8508% | 2,823 |
| Retained earnings to average equity (ytd only) | 2.2457% | 3,890 |
| Net charge-offs to loans | -0.0176% | 4,598 |
| Credit loss provision to net charge-offs | -1,046.1538% | 4,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3691% | 3,312 |
| Assets per employee ($millions) | 4.5136% | 3,199 |
| Cash dividends to net income (ytd only)* | 74.6269% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4679% | 89 |
| Loan loss allowance to noncurrent loans | 6,202.3810% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 4,443 |
| Noncurrent loans to loans | 0.0559% | 4,318 |
| Net loans and leases to total assets | 66.9381% | 2,842 |
| Net loans and leases to deposits | 90.0233% | 1,587 |
| Net loans and leases to core deposits | 96.8518% | 1,825 |
| Total domestic deposits to total assets | 74.3563% | 4,751 |
| Equity capital to assets | 21.6696% | 191 |
| Core capital (leverage) ratio | 21.0787% | 196 |
| Tier 1 risk-based capital ratio | 27.7942% | 574 |
| Total risk-based capital ratio | 29.0678% | 561 |
| Memoranda: | ||
| Average total assets | $110,416,200 | 3,825 |
| Average earning assets | $105,128,400 | 3,790 |
| Average equity | $23,466,800 | 2,839 |
| Average total loans | $73,895,800 | 3,705 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5696% | 2,834 |
| Cost of funding earning assets | 0.5792% | 3,778 |
| Net interest margin | 3.9904% | 1,971 |
| Noninterest income to average assets | 0.3341% | 3,739 |
| Noninterest expense to average assets | 2.6068% | 3,152 |
| Loan and lease loss provision to assets | 0.1202% | 1,628 |
| Net operating income to assets | 1.4025% | 1,463 |
| Return on assets (ROA) | 1.4025% | 1,519 |
| Pretax return on assets | 1.4073% | 2,283 |
| Return on Equity (ROE) | 6.6310% | 3,828 |
| Retained earnings to average equity (ytd only) | 2.6535% | 4,028 |
| Net charge-offs to loans | -0.0181% | 4,561 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0523% | 3,151 |
| Assets per employee ($millions) | 4.5864% | 3,068 |
| Cash dividends to net income (ytd only)* | 59.9829% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4922% | 90 |
| Loan loss allowance to noncurrent loans | 176.4099% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 1.3209% | 904 |
| Noncurrent loans to loans | 1.9796% | 683 |
| Net loans and leases to total assets | 64.3967% | 3,247 |
| Net loans and leases to deposits | 86.9508% | 2,070 |
| Net loans and leases to core deposits | 93.4578% | 2,228 |
| Total domestic deposits to total assets | 74.0611% | 4,813 |
| Equity capital to assets | 21.7499% | 190 |
| Core capital (leverage) ratio | 21.2230% | 193 |
| Tier 1 risk-based capital ratio | 25.8901% | 713 |
| Total risk-based capital ratio | 27.4039% | 687 |
| Memoranda: | ||
| Average total assets | $110,938,500 | 3,861 |
| Average earning assets | $105,652,000 | 3,826 |
| Average equity | $23,465,000 | 2,853 |
| Average total loans | $73,590,500 | 3,749 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5459% | 2,862 |
| Cost of funding earning assets | 0.5890% | 3,710 |
| Net interest margin | 3.9569% | 2,072 |
| Noninterest income to average assets | 0.3327% | 3,711 |
| Noninterest expense to average assets | 2.5821% | 3,238 |
| Loan and lease loss provision to assets | 0.1151% | 1,627 |
| Net operating income to assets | 1.3971% | 1,449 |
| Return on assets (ROA) | 1.3971% | 1,505 |
| Pretax return on assets | 1.4043% | 2,196 |
| Return on Equity (ROE) | 6.6677% | 3,808 |
| Retained earnings to average equity (ytd only) | 2.8061% | 3,808 |
| Net charge-offs to loans | -0.0163% | 4,483 |
| Credit loss provision to net charge-offs | -1,066.6667% | 4,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9548% | 3,292 |
| Assets per employee ($millions) | 4.7597% | 2,794 |
| Cash dividends to net income (ytd only)* | 57.9151% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4546% | 88 |
| Loan loss allowance to noncurrent loans | 738.3041% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 3,347 |
| Noncurrent loans to loans | 0.4679% | 2,877 |
| Net loans and leases to total assets | 61.7743% | 3,571 |
| Net loans and leases to deposits | 85.1496% | 2,354 |
| Net loans and leases to core deposits | 97.0646% | 1,971 |
| Total domestic deposits to total assets | 72.5480% | 4,939 |
| Equity capital to assets | 20.8085% | 218 |
| Core capital (leverage) ratio | 20.9825% | 197 |
| Tier 1 risk-based capital ratio | 25.2792% | 731 |
| Total risk-based capital ratio | 26.7718% | 703 |
| Memoranda: | ||
| Average total assets | $111,226,670 | 3,881 |
| Average earning assets | $105,941,330 | 3,841 |
| Average equity | $23,306,330 | 2,854 |
| Average total loans | $73,637,670 | 3,772 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5644% | 2,650 |
| Cost of funding earning assets | 0.5706% | 3,728 |
| Net interest margin | 3.9939% | 1,867 |
| Noninterest income to average assets | 0.3646% | 3,416 |
| Noninterest expense to average assets | 2.9857% | 2,033 |
| Loan and lease loss provision to assets | 0.1094% | 1,630 |
| Net operating income to assets | 1.0572% | 2,637 |
| Return on assets (ROA) | 1.0572% | 2,679 |
| Pretax return on assets | 1.0718% | 3,233 |
| Return on Equity (ROE) | 5.0272% | 4,317 |
| Retained earnings to average equity (ytd only) | 1.5602% | 4,182 |
| Net charge-offs to loans | -0.0108% | 4,256 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6535% | 2,085 |
| Assets per employee ($millions) | 4.6237% | 3,011 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3729% | 94 |
| Loan loss allowance to noncurrent loans | 727.4854% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 3,377 |
| Noncurrent loans to loans | 0.4636% | 2,923 |
| Net loans and leases to total assets | 64.2311% | 3,257 |
| Net loans and leases to deposits | 86.1591% | 2,113 |
| Net loans and leases to core deposits | 94.9638% | 2,032 |
| Total domestic deposits to total assets | 74.5494% | 4,888 |
| Equity capital to assets | 20.9565% | 198 |
| Core capital (leverage) ratio | 20.8701% | 204 |
| Tier 1 risk-based capital ratio | 27.1215% | 609 |
| Total risk-based capital ratio | 28.5579% | 589 |
| Memoranda: | ||
| Average total assets | $109,724,000 | 3,942 |
| Average earning assets | $104,460,500 | 3,908 |
| Average equity | $23,074,500 | 2,877 |
| Average total loans | $73,911,000 | 3,804 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2606% | 3,242 |
| Cost of funding earning assets | 0.4491% | 3,691 |
| Net interest margin | 3.8115% | 2,628 |
| Noninterest income to average assets | 0.3715% | 3,609 |
| Noninterest expense to average assets | 2.4438% | 3,760 |
| Loan and lease loss provision to assets | 0.0990% | 2,205 |
| Net operating income to assets | 1.4211% | 1,362 |
| Return on assets (ROA) | 1.5208% | 1,049 |
| Pretax return on assets | 1.5642% | 1,577 |
| Return on Equity (ROE) | 7.0191% | 3,811 |
| Retained earnings to average equity (ytd only) | 0.9269% | 4,722 |
| Net charge-offs to loans | 0.2320% | 842 |
| Credit loss provision to net charge-offs | 67.7419% | 3,021 |
| Earnings coverage of net charge-offs (x) | 10.6774% | 2,698 |
| Efficiency ratio | 61.0313% | 3,684 |
| Assets per employee ($millions) | 4.5200% | 3,139 |
| Cash dividends to net income (ytd only)* | 86.7948% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3150% | 95 |
| Loan loss allowance to noncurrent loans | 1,006.1475% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 3,562 |
| Noncurrent loans to loans | 0.3295% | 3,370 |
| Net loans and leases to total assets | 66.0057% | 3,135 |
| Net loans and leases to deposits | 88.7087% | 1,963 |
| Net loans and leases to core deposits | 98.9703% | 1,792 |
| Total domestic deposits to total assets | 74.4073% | 4,917 |
| Equity capital to assets | 21.1044% | 190 |
| Core capital (leverage) ratio | 21.4721% | 179 |
| Tier 1 risk-based capital ratio | 28.8863% | 517 |
| Total risk-based capital ratio | 30.3035% | 500 |
| Memoranda: | ||
| Average total assets | $106,062,800 | 4,001 |
| Average earning assets | $101,090,000 | 3,960 |
| Average equity | $22,980,200 | 2,821 |
| Average total loans | $66,807,800 | 3,941 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1615% | 3,429 |
| Cost of funding earning assets | 0.4005% | 3,855 |
| Net interest margin | 3.7610% | 2,787 |
| Noninterest income to average assets | 0.3793% | 3,604 |
| Noninterest expense to average assets | 2.5400% | 3,478 |
| Loan and lease loss provision to assets | 0.0948% | 2,078 |
| Net operating income to assets | 1.2924% | 1,891 |
| Return on assets (ROA) | 1.4261% | 1,396 |
| Pretax return on assets | 1.4678% | 2,005 |
| Return on Equity (ROE) | 6.5385% | 4,096 |
| Retained earnings to average equity (ytd only) | 2.4809% | 4,410 |
| Net charge-offs to loans | 0.3262% | 512 |
| Credit loss provision to net charge-offs | 47.1698% | 2,856 |
| Earnings coverage of net charge-offs (x) | 7.0882% | 2,832 |
| Efficiency ratio | 64.0625% | 3,176 |
| Assets per employee ($millions) | 4.4428% | 3,212 |
| Cash dividends to net income (ytd only)* | 62.0568% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3351% | 101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 4,821 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 65.8104% | 3,200 |
| Net loans and leases to deposits | 92.8581% | 1,516 |
| Net loans and leases to core deposits | 96.5187% | 2,065 |
| Total domestic deposits to total assets | 70.8720% | 5,186 |
| Equity capital to assets | 21.4685% | 179 |
| Core capital (leverage) ratio | 21.6148% | 174 |
| Tier 1 risk-based capital ratio | 29.2523% | 510 |
| Total risk-based capital ratio | 30.6354% | 495 |
| Memoranda: | ||
| Average total assets | $105,458,500 | 4,044 |
| Average earning assets | $100,538,750 | 4,006 |
| Average equity | $23,001,750 | 2,828 |
| Average total loans | $64,995,250 | 4,019 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0544% | 3,596 |
| Cost of funding earning assets | 0.3611% | 4,004 |
| Net interest margin | 3.6932% | 2,955 |
| Noninterest income to average assets | 0.3807% | 3,618 |
| Noninterest expense to average assets | 2.5260% | 3,566 |
| Loan and lease loss provision to assets | 0.0857% | 2,198 |
| Net operating income to assets | 1.2571% | 1,954 |
| Return on assets (ROA) | 1.4657% | 1,244 |
| Pretax return on assets | 1.5076% | 1,792 |
| Return on Equity (ROE) | 6.6844% | 4,000 |
| Retained earnings to average equity (ytd only) | 2.7779% | 4,142 |
| Net charge-offs to loans | -0.0224% | 4,614 |
| Credit loss provision to net charge-offs | -642.8571% | 4,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7001% | 3,214 |
| Assets per employee ($millions) | 4.2243% | 3,540 |
| Cash dividends to net income (ytd only)* | 58.4416% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1287% | 54 |
| Loan loss allowance to noncurrent loans | 14,205.5556% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 4,770 |
| Noncurrent loans to loans | 0.0291% | 4,791 |
| Net loans and leases to total assets | 58.5666% | 3,943 |
| Net loans and leases to deposits | 75.9488% | 3,341 |
| Net loans and leases to core deposits | 82.2211% | 3,225 |
| Total domestic deposits to total assets | 77.1133% | 4,723 |
| Equity capital to assets | 22.6283% | 151 |
| Core capital (leverage) ratio | 22.0826% | 162 |
| Tier 1 risk-based capital ratio | 32.5443% | 390 |
| Total risk-based capital ratio | 33.9715% | 380 |
| Memoranda: | ||
| Average total assets | $105,069,330 | 4,090 |
| Average earning assets | $100,237,330 | 4,045 |
| Average equity | $23,038,670 | 2,841 |
| Average total loans | $62,463,000 | 4,107 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9668% | 3,731 |
| Cost of funding earning assets | 0.3645% | 3,878 |
| Net interest margin | 3.6023% | 3,170 |
| Noninterest income to average assets | 0.4003% | 3,469 |
| Noninterest expense to average assets | 2.6414% | 3,215 |
| Loan and lease loss provision to assets | 0.0786% | 2,203 |
| Net operating income to assets | 1.0902% | 2,471 |
| Return on assets (ROA) | 1.5003% | 1,080 |
| Pretax return on assets | 1.5414% | 1,561 |
| Return on Equity (ROE) | 6.9475% | 3,805 |
| Retained earnings to average equity (ytd only) | 3.4824% | 3,810 |
| Net charge-offs to loans | -0.0191% | 4,536 |
| Credit loss provision to net charge-offs | -700.0000% | 4,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8109% | 2,698 |
| Assets per employee ($millions) | 4.3897% | 3,335 |
| Cash dividends to net income (ytd only)* | 49.8753% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1492% | 58 |
| Loan loss allowance to noncurrent loans | 14,876.4706% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 5,041 |
| Noncurrent loans to loans | 0.0279% | 4,855 |
| Net loans and leases to total assets | 55.4541% | 4,160 |
| Net loans and leases to deposits | 71.0350% | 3,694 |
| Net loans and leases to core deposits | 76.8751% | 3,590 |
| Total domestic deposits to total assets | 78.0659% | 4,722 |
| Equity capital to assets | 21.7718% | 163 |
| Core capital (leverage) ratio | 21.5728% | 165 |
| Tier 1 risk-based capital ratio | 31.1774% | 432 |
| Total risk-based capital ratio | 32.5863% | 420 |
| Memoranda: | ||
| Average total assets | $106,913,000 | 4,106 |
| Average earning assets | $102,046,000 | 4,058 |
| Average equity | $23,087,500 | 2,856 |
| Average total loans | $62,728,000 | 4,136 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6805% | 4,383 |
| Cost of funding earning assets | 0.4632% | 2,661 |
| Net interest margin | 3.2173% | 4,406 |
| Noninterest income to average assets | 0.3519% | 3,953 |
| Noninterest expense to average assets | 2.2103% | 4,506 |
| Loan and lease loss provision to assets | 0.0548% | 3,131 |
| Net operating income to assets | 1.0978% | 1,861 |
| Return on assets (ROA) | 1.0978% | 1,883 |
| Pretax return on assets | 1.1600% | 2,944 |
| Return on Equity (ROE) | 5.1522% | 4,102 |
| Retained earnings to average equity (ytd only) | 0.4333% | 4,861 |
| Net charge-offs to loans | -0.0954% | 5,360 |
| Credit loss provision to net charge-offs | -107.1429% | 4,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5316% | 3,527 |
| Assets per employee ($millions) | 4.5198% | 3,151 |
| Cash dividends to net income (ytd only)* | 91.5903% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8850% | 65 |
| Loan loss allowance to noncurrent loans | 3,740.2985% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 4,811 |
| Noncurrent loans to loans | 0.1039% | 4,522 |
| Net loans and leases to total assets | 57.1556% | 4,093 |
| Net loans and leases to deposits | 75.5054% | 3,377 |
| Net loans and leases to core deposits | 81.3123% | 3,308 |
| Total domestic deposits to total assets | 75.6974% | 5,013 |
| Equity capital to assets | 21.4226% | 167 |
| Core capital (leverage) ratio | 20.8172% | 176 |
| Tier 1 risk-based capital ratio | 30.2313% | 452 |
| Total risk-based capital ratio | 31.8635% | 435 |
| Memoranda: | ||
| Average total assets | $109,397,600 | 4,069 |
| Average earning assets | $104,498,000 | 4,013 |
| Average equity | $23,310,600 | 2,821 |
| Average total loans | $58,680,000 | 4,234 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5915% | 4,584 |
| Cost of funding earning assets | 0.4672% | 2,545 |
| Net interest margin | 3.1242% | 4,643 |
| Noninterest income to average assets | 0.3551% | 3,994 |
| Noninterest expense to average assets | 2.2646% | 4,387 |
| Loan and lease loss provision to assets | 0.0547% | 2,994 |
| Net operating income to assets | 0.9462% | 2,801 |
| Return on assets (ROA) | 0.9462% | 2,862 |
| Pretax return on assets | 1.0204% | 3,605 |
| Return on Equity (ROE) | 4.4465% | 4,728 |
| Retained earnings to average equity (ytd only) | 1.0173% | 4,969 |
| Net charge-offs to loans | -0.0350% | 5,046 |
| Credit loss provision to net charge-offs | -300.0000% | 4,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8077% | 2,910 |
| Assets per employee ($millions) | 4.7835% | 2,720 |
| Cash dividends to net income (ytd only)* | 77.1206% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0948% | 64 |
| Loan loss allowance to noncurrent loans | 871.5302% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 4,034 |
| Noncurrent loans to loans | 0.4698% | 3,289 |
| Net loans and leases to total assets | 52.1346% | 4,555 |
| Net loans and leases to deposits | 71.5547% | 3,821 |
| Net loans and leases to core deposits | 72.9758% | 4,061 |
| Total domestic deposits to total assets | 72.8597% | 5,324 |
| Equity capital to assets | 21.3705% | 174 |
| Core capital (leverage) ratio | 20.4412% | 199 |
| Tier 1 risk-based capital ratio | 30.8458% | 445 |
| Total risk-based capital ratio | 32.4383% | 437 |
| Memoranda: | ||
| Average total assets | $109,628,500 | 4,108 |
| Average earning assets | $104,727,000 | 4,054 |
| Average equity | $23,328,750 | 2,850 |
| Average total loans | $57,223,750 | 4,304 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 4,605 |
| Cost of funding earning assets | 0.4609% | 2,498 |
| Net interest margin | 3.1020% | 4,679 |
| Noninterest income to average assets | 0.3507% | 4,047 |
| Noninterest expense to average assets | 2.2466% | 4,467 |
| Loan and lease loss provision to assets | 0.0548% | 2,877 |
| Net operating income to assets | 0.9370% | 2,737 |
| Return on assets (ROA) | 0.9370% | 2,793 |
| Pretax return on assets | 1.0119% | 3,518 |
| Return on Equity (ROE) | 4.4096% | 4,692 |
| Retained earnings to average equity (ytd only) | 0.9713% | 4,849 |
| Net charge-offs to loans | -0.0426% | 5,102 |
| Credit loss provision to net charge-offs | -250.0000% | 4,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8060% | 3,051 |
| Assets per employee ($millions) | 4.5967% | 2,952 |
| Cash dividends to net income (ytd only)* | 77.9727% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5517% | 52 |
| Loan loss allowance to noncurrent loans | 556.2929% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 3,529 |
| Noncurrent loans to loans | 0.8182% | 2,356 |
| Net loans and leases to total assets | 46.2088% | 4,944 |
| Net loans and leases to deposits | 63.1839% | 4,417 |
| Net loans and leases to core deposits | 64.7652% | 4,552 |
| Total domestic deposits to total assets | 73.1339% | 5,377 |
| Equity capital to assets | 21.1972% | 176 |
| Core capital (leverage) ratio | 20.3084% | 194 |
| Tier 1 risk-based capital ratio | 30.5515% | 444 |
| Total risk-based capital ratio | 32.0910% | 435 |
| Memoranda: | ||
| Average total assets | $109,497,670 | 4,137 |
| Average earning assets | $104,576,670 | 4,083 |
| Average equity | $23,267,670 | 2,852 |
| Average total loans | $56,362,330 | 4,347 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5558% | 4,531 |
| Cost of funding earning assets | 0.4536% | 2,498 |
| Net interest margin | 3.1022% | 4,641 |
| Noninterest income to average assets | 0.3227% | 4,240 |
| Noninterest expense to average assets | 2.4018% | 4,105 |
| Loan and lease loss provision to assets | 0.0550% | 2,706 |
| Net operating income to assets | 0.7517% | 3,470 |
| Return on assets (ROA) | 0.7517% | 3,522 |
| Pretax return on assets | 0.8250% | 4,013 |
| Return on Equity (ROE) | 3.5331% | 4,947 |
| Retained earnings to average equity (ytd only) | 0.0862% | 4,893 |
| Net charge-offs to loans | -0.0277% | 4,893 |
| Credit loss provision to net charge-offs | -375.0000% | 4,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1844% | 2,375 |
| Assets per employee ($millions) | 5.0797% | 2,334 |
| Cash dividends to net income (ytd only)* | 97.5610% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1913% | 72 |
| Loan loss allowance to noncurrent loans | 543.5666% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 3,610 |
| Noncurrent loans to loans | 0.7711% | 2,540 |
| Net loans and leases to total assets | 49.2555% | 4,733 |
| Net loans and leases to deposits | 66.7965% | 4,106 |
| Net loans and leases to core deposits | 68.1385% | 4,289 |
| Total domestic deposits to total assets | 73.7396% | 5,436 |
| Equity capital to assets | 20.7518% | 183 |
| Core capital (leverage) ratio | 20.8721% | 169 |
| Tier 1 risk-based capital ratio | 35.0599% | 322 |
| Total risk-based capital ratio | 36.6717% | 313 |
| Memoranda: | ||
| Average total assets | $109,086,000 | 4,188 |
| Average earning assets | $104,056,000 | 4,125 |
| Average equity | $23,209,000 | 2,866 |
| Average total loans | $57,839,000 | 4,354 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7885% | 3,947 |
| Cost of funding earning assets | 0.4650% | 2,398 |
| Net interest margin | 3.3235% | 4,071 |
| Noninterest income to average assets | 0.3909% | 3,958 |
| Noninterest expense to average assets | 2.1885% | 4,802 |
| Loan and lease loss provision to assets | 0.0561% | 3,258 |
| Net operating income to assets | 1.2607% | 1,326 |
| Return on assets (ROA) | 1.2607% | 1,406 |
| Pretax return on assets | 1.3149% | 2,230 |
| Return on Equity (ROE) | 5.6942% | 4,122 |
| Retained earnings to average equity (ytd only) | 0.6252% | 5,079 |
| Net charge-offs to loans | -0.0168% | 5,082 |
| Credit loss provision to net charge-offs | -600.0000% | 5,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4819% | 4,341 |
| Assets per employee ($millions) | 4.6269% | 2,923 |
| Cash dividends to net income (ytd only)* | 89.0208% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1030% | 72 |
| Loan loss allowance to noncurrent loans | 522.7571% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.4576% | 3,428 |
| Noncurrent loans to loans | 0.7849% | 2,555 |
| Net loans and leases to total assets | 52.4686% | 4,568 |
| Net loans and leases to deposits | 72.4512% | 3,663 |
| Net loans and leases to core deposits | 74.0069% | 3,922 |
| Total domestic deposits to total assets | 72.4191% | 5,530 |
| Equity capital to assets | 21.8262% | 155 |
| Core capital (leverage) ratio | 21.2794% | 159 |
| Tier 1 risk-based capital ratio | 35.2414% | 311 |
| Total risk-based capital ratio | 36.8762% | 297 |
| Memoranda: | ||
| Average total assets | $106,924,400 | 4,226 |
| Average earning assets | $101,940,800 | 4,170 |
| Average equity | $23,673,200 | 2,826 |
| Average total loans | $59,542,400 | 4,315 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8373% | 3,810 |
| Cost of funding earning assets | 0.4651% | 2,421 |
| Net interest margin | 3.3721% | 3,951 |
| Noninterest income to average assets | 0.3948% | 3,958 |
| Noninterest expense to average assets | 2.1933% | 4,785 |
| Loan and lease loss provision to assets | 0.0560% | 3,127 |
| Net operating income to assets | 1.3065% | 1,274 |
| Return on assets (ROA) | 1.3065% | 1,362 |
| Pretax return on assets | 1.3601% | 2,195 |
| Return on Equity (ROE) | 5.8804% | 4,132 |
| Retained earnings to average equity (ytd only) | 2.2367% | 4,577 |
| Net charge-offs to loans | -0.0690% | 5,461 |
| Credit loss provision to net charge-offs | -145.1613% | 4,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7660% | 4,431 |
| Assets per employee ($millions) | 4.6507% | 2,841 |
| Cash dividends to net income (ytd only)* | 61.9642% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0070% | 76 |
| Loan loss allowance to noncurrent loans | 2,603.2609% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 5,099 |
| Noncurrent loans to loans | 0.1539% | 4,735 |
| Net loans and leases to total assets | 53.6395% | 4,523 |
| Net loans and leases to deposits | 74.8711% | 3,514 |
| Net loans and leases to core deposits | 76.4850% | 3,789 |
| Total domestic deposits to total assets | 71.6424% | 5,612 |
| Equity capital to assets | 22.4483% | 150 |
| Core capital (leverage) ratio | 21.1385% | 164 |
| Tier 1 risk-based capital ratio | 35.6148% | 318 |
| Total risk-based capital ratio | 37.1216% | 312 |
| Memoranda: | ||
| Average total assets | $107,051,000 | 4,264 |
| Average earning assets | $102,049,500 | 4,188 |
| Average equity | $23,784,750 | 2,835 |
| Average total loans | $59,871,750 | 4,330 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9333% | 3,487 |
| Cost of funding earning assets | 0.4605% | 2,470 |
| Net interest margin | 3.4727% | 3,600 |
| Noninterest income to average assets | 0.4016% | 3,862 |
| Noninterest expense to average assets | 2.1685% | 4,916 |
| Loan and lease loss provision to assets | 0.0560% | 3,022 |
| Net operating income to assets | 1.4326% | 1,002 |
| Return on assets (ROA) | 1.4326% | 1,051 |
| Pretax return on assets | 1.4867% | 1,718 |
| Return on Equity (ROE) | 6.4701% | 3,817 |
| Retained earnings to average equity (ytd only) | 3.0959% | 3,932 |
| Net charge-offs to loans | 0.2003% | 1,147 |
| Credit loss provision to net charge-offs | 50.0000% | 2,666 |
| Earnings coverage of net charge-offs (x) | 13.7667% | 2,101 |
| Efficiency ratio | 58.4298% | 4,841 |
| Assets per employee ($millions) | 4.6599% | 2,783 |
| Cash dividends to net income (ytd only)* | 52.1512% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9783% | 82 |
| Loan loss allowance to noncurrent loans | 4,161.8182% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 5,353 |
| Noncurrent loans to loans | 0.0956% | 5,069 |
| Net loans and leases to total assets | 51.5484% | 4,712 |
| Net loans and leases to deposits | 71.8926% | 3,793 |
| Net loans and leases to core deposits | 73.4349% | 4,039 |
| Total domestic deposits to total assets | 71.7020% | 5,683 |
| Equity capital to assets | 22.4815% | 146 |
| Core capital (leverage) ratio | 21.1735% | 155 |
| Tier 1 risk-based capital ratio | 37.0663% | 285 |
| Total risk-based capital ratio | 38.5811% | 277 |
| Memoranda: | ||
| Average total assets | $107,079,330 | 4,286 |
| Average earning assets | $102,052,000 | 4,221 |
| Average equity | $23,709,000 | 2,858 |
| Average total loans | $59,905,330 | 4,351 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8431% | 3,791 |
| Cost of funding earning assets | 0.4588% | 2,479 |
| Net interest margin | 3.3843% | 3,922 |
| Noninterest income to average assets | 0.4111% | 3,742 |
| Noninterest expense to average assets | 2.0704% | 5,175 |
| Loan and lease loss provision to assets | 0.0561% | 2,823 |
| Net operating income to assets | 1.4538% | 933 |
| Return on assets (ROA) | 1.4538% | 977 |
| Pretax return on assets | 1.5098% | 1,552 |
| Return on Equity (ROE) | 6.6168% | 3,659 |
| Retained earnings to average equity (ytd only) | 3.2148% | 3,893 |
| Net charge-offs to loans | -0.0524% | 5,351 |
| Credit loss provision to net charge-offs | -187.5000% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9373% | 5,099 |
| Assets per employee ($millions) | 4.6653% | 2,795 |
| Cash dividends to net income (ytd only)* | 51.4139% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8358% | 102 |
| Loan loss allowance to noncurrent loans | 6,329.7297% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 5,502 |
| Noncurrent loans to loans | 0.0606% | 5,238 |
| Net loans and leases to total assets | 54.7189% | 4,381 |
| Net loans and leases to deposits | 75.8171% | 3,240 |
| Net loans and leases to core deposits | 77.4277% | 3,556 |
| Total domestic deposits to total assets | 72.1723% | 5,759 |
| Equity capital to assets | 22.0963% | 152 |
| Core capital (leverage) ratio | 21.2226% | 159 |
| Tier 1 risk-based capital ratio | 34.1578% | 364 |
| Total risk-based capital ratio | 35.6346% | 350 |
| Memoranda: | ||
| Average total assets | $107,030,500 | 4,328 |
| Average earning assets | $102,000,500 | 4,254 |
| Average equity | $23,516,000 | 2,875 |
| Average total loans | $61,089,500 | 4,340 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7824% | 4,098 |
| Cost of funding earning assets | 0.4722% | 2,418 |
| Net interest margin | 3.3102% | 4,254 |
| Noninterest income to average assets | 0.4080% | 3,977 |
| Noninterest expense to average assets | 2.1570% | 5,138 |
| Loan and lease loss provision to assets | -0.1341% | 5,903 |
| Net operating income to assets | 1.4850% | 891 |
| Return on assets (ROA) | 1.4988% | 901 |
| Pretax return on assets | 1.5530% | 1,391 |
| Return on Equity (ROE) | 6.6920% | 3,687 |
| Retained earnings to average equity (ytd only) | 0.5350% | 5,306 |
| Net charge-offs to loans | -0.3515% | 6,037 |
| Credit loss provision to net charge-offs | 68.1159% | 3,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5607% | 4,828 |
| Assets per employee ($millions) | 4.6417% | 2,824 |
| Cash dividends to net income (ytd only)* | 92.0051% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7941% | 99 |
| Loan loss allowance to noncurrent loans | 773.0000% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 4,463 |
| Noncurrent loans to loans | 0.4908% | 3,729 |
| Net loans and leases to total assets | 55.0806% | 4,380 |
| Net loans and leases to deposits | 76.0554% | 3,247 |
| Net loans and leases to core deposits | 77.6718% | 3,584 |
| Total domestic deposits to total assets | 72.4217% | 5,770 |
| Equity capital to assets | 21.8457% | 151 |
| Core capital (leverage) ratio | 20.7379% | 168 |
| Tier 1 risk-based capital ratio | 33.7543% | 371 |
| Total risk-based capital ratio | 35.2563% | 357 |
| Memoranda: | ||
| Average total assets | $105,148,400 | 4,358 |
| Average earning assets | $100,175,000 | 4,285 |
| Average equity | $23,550,400 | 2,827 |
| Average total loans | $58,893,200 | 4,408 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7158% | 4,372 |
| Cost of funding earning assets | 0.4718% | 2,481 |
| Net interest margin | 3.2440% | 4,544 |
| Noninterest income to average assets | 0.4239% | 3,911 |
| Noninterest expense to average assets | 2.1232% | 5,232 |
| Loan and lease loss provision to assets | 0.0547% | 3,099 |
| Net operating income to assets | 1.2764% | 1,404 |
| Return on assets (ROA) | 1.3009% | 1,394 |
| Pretax return on assets | 1.3607% | 2,176 |
| Return on Equity (ROE) | 5.7720% | 4,265 |
| Retained earnings to average equity (ytd only) | 1.8186% | 4,968 |
| Net charge-offs to loans | 0.0160% | 3,633 |
| Credit loss provision to net charge-offs | 614.2857% | 555 |
| Earnings coverage of net charge-offs (x) | 156.0514% | 448 |
| Efficiency ratio | 60.4348% | 4,826 |
| Assets per employee ($millions) | 4.6426% | 2,779 |
| Cash dividends to net income (ytd only)* | 68.4933% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7611% | 113 |
| Loan loss allowance to noncurrent loans | 7,630.0000% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 5,675 |
| Noncurrent loans to loans | 0.0493% | 5,418 |
| Net loans and leases to total assets | 54.8525% | 4,479 |
| Net loans and leases to deposits | 76.3508% | 3,264 |
| Net loans and leases to core deposits | 78.2522% | 3,586 |
| Total domestic deposits to total assets | 71.8428% | 5,868 |
| Equity capital to assets | 22.2403% | 147 |
| Core capital (leverage) ratio | 21.3603% | 158 |
| Tier 1 risk-based capital ratio | 34.8019% | 347 |
| Total risk-based capital ratio | 36.3185% | 348 |
| Memoranda: | ||
| Average total assets | $104,746,000 | 4,407 |
| Average earning assets | $99,750,750 | 4,340 |
| Average equity | $23,607,500 | 2,843 |
| Average total loans | $58,336,000 | 4,463 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6502% | 4,575 |
| Cost of funding earning assets | 0.4744% | 2,478 |
| Net interest margin | 3.1758% | 4,730 |
| Noninterest income to average assets | 0.4247% | 3,888 |
| Noninterest expense to average assets | 2.1178% | 5,300 |
| Loan and lease loss provision to assets | 0.0557% | 2,992 |
| Net operating income to assets | 1.2161% | 1,552 |
| Return on assets (ROA) | 1.2453% | 1,538 |
| Pretax return on assets | 1.3049% | 2,344 |
| Return on Equity (ROE) | 5.5007% | 4,369 |
| Retained earnings to average equity (ytd only) | 2.1052% | 4,657 |
| Net charge-offs to loans | -0.5983% | 6,219 |
| Credit loss provision to net charge-offs | -16.8605% | 4,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4270% | 4,766 |
| Assets per employee ($millions) | 4.5290% | 2,937 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3025% | 83 |
| Loan loss allowance to noncurrent loans | 1,130.8756% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 4,743 |
| Noncurrent loans to loans | 0.3805% | 4,344 |
| Net loans and leases to total assets | 52.3986% | 4,718 |
| Net loans and leases to deposits | 73.3245% | 3,574 |
| Net loans and leases to core deposits | 75.6287% | 3,805 |
| Total domestic deposits to total assets | 71.4612% | 5,959 |
| Equity capital to assets | 22.5542% | 137 |
| Core capital (leverage) ratio | 21.1818% | 161 |
| Tier 1 risk-based capital ratio | 36.1970% | 330 |
| Total risk-based capital ratio | 37.7360% | 322 |
| Memoranda: | ||
| Average total assets | $104,068,330 | 4,467 |
| Average earning assets | $99,063,000 | 4,396 |
| Average equity | $23,560,670 | 2,856 |
| Average total loans | $57,494,670 | 4,524 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6118% | 4,653 |
| Cost of funding earning assets | 0.4727% | 2,536 |
| Net interest margin | 3.1391% | 4,820 |
| Noninterest income to average assets | 0.4461% | 3,660 |
| Noninterest expense to average assets | 2.0727% | 5,442 |
| Loan and lease loss provision to assets | 0.0538% | 2,864 |
| Net operating income to assets | 1.2484% | 1,411 |
| Return on assets (ROA) | 1.3075% | 1,340 |
| Pretax return on assets | 1.3690% | 2,000 |
| Return on Equity (ROE) | 5.7642% | 4,153 |
| Retained earnings to average equity (ytd only) | 2.3735% | 4,504 |
| Net charge-offs to loans | -0.1455% | 5,972 |
| Credit loss provision to net charge-offs | -66.6667% | 4,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3583% | 5,046 |
| Assets per employee ($millions) | 4.8029% | 2,621 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9288% | 138 |
| Loan loss allowance to noncurrent loans | 2,007.0175% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 5,219 |
| Noncurrent loans to loans | 0.1958% | 5,076 |
| Net loans and leases to total assets | 52.9495% | 4,557 |
| Net loans and leases to deposits | 73.8139% | 3,333 |
| Net loans and leases to core deposits | 76.0866% | 3,587 |
| Total domestic deposits to total assets | 71.7337% | 6,047 |
| Equity capital to assets | 22.4468% | 143 |
| Core capital (leverage) ratio | 21.4583% | 150 |
| Tier 1 risk-based capital ratio | 35.0331% | 359 |
| Total risk-based capital ratio | 36.5801% | 350 |
| Memoranda: | ||
| Average total assets | $104,019,000 | 4,500 |
| Average earning assets | $99,008,000 | 4,431 |
| Average equity | $23,594,000 | 2,874 |
| Average total loans | $57,724,000 | 4,554 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6916% | 4,796 |
| Cost of funding earning assets | 0.4851% | 2,831 |
| Net interest margin | 3.2065% | 4,893 |
| Noninterest income to average assets | 0.4268% | 3,993 |
| Noninterest expense to average assets | 2.1703% | 5,408 |
| Loan and lease loss provision to assets | 0.0587% | 3,362 |
| Net operating income to assets | 1.1874% | 1,624 |
| Return on assets (ROA) | 1.1874% | 1,696 |
| Pretax return on assets | 1.2521% | 2,434 |
| Return on Equity (ROE) | 5.1041% | 4,609 |
| Retained earnings to average equity (ytd only) | 0.2651% | 5,660 |
| Net charge-offs to loans | 0.0254% | 4,320 |
| Credit loss provision to net charge-offs | 400.0000% | 647 |
| Earnings coverage of net charge-offs (x) | 89.2667% | 574 |
| Efficiency ratio | 62.3453% | 4,858 |
| Assets per employee ($millions) | 4.6534% | 2,791 |
| Cash dividends to net income (ytd only)* | 94.8063% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9380% | 139 |
| Loan loss allowance to noncurrent loans | 1,564.5833% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 5,470 |
| Noncurrent loans to loans | 0.2517% | 4,930 |
| Net loans and leases to total assets | 53.6840% | 4,614 |
| Net loans and leases to deposits | 75.5066% | 3,254 |
| Net loans and leases to core deposits | 78.5005% | 3,465 |
| Total domestic deposits to total assets | 71.0984% | 6,137 |
| Equity capital to assets | 22.9255% | 132 |
| Core capital (leverage) ratio | 21.5237% | 153 |
| Tier 1 risk-based capital ratio | 36.6421% | 297 |
| Total risk-based capital ratio | 37.9232% | 288 |
| Memoranda: | ||
| Average total assets | $102,152,400 | 4,541 |
| Average earning assets | $97,302,800 | 4,470 |
| Average equity | $23,765,000 | 2,775 |
| Average total loans | $59,139,000 | 4,515 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5994% | 5,140 |
| Cost of funding earning assets | 0.4838% | 2,915 |
| Net interest margin | 3.1156% | 5,210 |
| Noninterest income to average assets | 0.4283% | 4,035 |
| Noninterest expense to average assets | 2.1678% | 5,413 |
| Loan and lease loss provision to assets | 0.0588% | 3,193 |
| Net operating income to assets | 1.1061% | 1,999 |
| Return on assets (ROA) | 1.1061% | 2,065 |
| Pretax return on assets | 1.1701% | 2,908 |
| Return on Equity (ROE) | 4.7373% | 4,842 |
| Retained earnings to average equity (ytd only) | 1.6611% | 5,218 |
| Net charge-offs to loans | -0.4428% | 6,443 |
| Credit loss provision to net charge-offs | -22.7273% | 5,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8216% | 4,580 |
| Assets per employee ($millions) | 4.6330% | 2,760 |
| Cash dividends to net income (ytd only)* | 64.9352% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2174% | 137 |
| Loan loss allowance to noncurrent loans | 1,634.0000% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 5,601 |
| Noncurrent loans to loans | 0.2581% | 5,133 |
| Net loans and leases to total assets | 54.6137% | 4,504 |
| Net loans and leases to deposits | 77.6826% | 2,984 |
| Net loans and leases to core deposits | 80.8274% | 3,212 |
| Total domestic deposits to total assets | 70.3037% | 6,270 |
| Equity capital to assets | 23.5369% | 121 |
| Core capital (leverage) ratio | 21.8095% | 145 |
| Tier 1 risk-based capital ratio | 36.9410% | 300 |
| Total risk-based capital ratio | 38.2256% | 296 |
| Memoranda: | ||
| Average total assets | $102,096,750 | 4,598 |
| Average earning assets | $97,273,000 | 4,517 |
| Average equity | $23,838,750 | 2,777 |
| Average total loans | $59,620,750 | 4,538 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6342% | 5,055 |
| Cost of funding earning assets | 0.4848% | 2,979 |
| Net interest margin | 3.1494% | 5,093 |
| Noninterest income to average assets | 0.4209% | 4,088 |
| Noninterest expense to average assets | 2.1614% | 5,501 |
| Loan and lease loss provision to assets | 0.0587% | 3,103 |
| Net operating income to assets | 1.1375% | 1,795 |
| Return on assets (ROA) | 1.1375% | 1,881 |
| Pretax return on assets | 1.2021% | 2,660 |
| Return on Equity (ROE) | 4.8847% | 4,729 |
| Retained earnings to average equity (ytd only) | 1.9421% | 4,910 |
| Net charge-offs to loans | -0.6287% | 6,533 |
| Credit loss provision to net charge-offs | -15.8730% | 5,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1579% | 4,829 |
| Assets per employee ($millions) | 4.6983% | 2,612 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2039% | 153 |
| Loan loss allowance to noncurrent loans | 121,350.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 6,273 |
| Noncurrent loans to loans | 0.0035% | 6,102 |
| Net loans and leases to total assets | 53.5061% | 4,596 |
| Net loans and leases to deposits | 75.6618% | 3,103 |
| Net loans and leases to core deposits | 78.6566% | 3,358 |
| Total domestic deposits to total assets | 70.7175% | 6,324 |
| Equity capital to assets | 23.2823% | 120 |
| Core capital (leverage) ratio | 21.6131% | 141 |
| Tier 1 risk-based capital ratio | 38.4443% | 272 |
| Total risk-based capital ratio | 39.7301% | 271 |
| Memoranda: | ||
| Average total assets | $102,154,000 | 4,630 |
| Average earning assets | $97,353,000 | 4,545 |
| Average equity | $23,788,330 | 2,766 |
| Average total loans | $60,122,330 | 4,546 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7160% | 4,791 |
| Cost of funding earning assets | 0.4919% | 2,994 |
| Net interest margin | 3.2241% | 4,844 |
| Noninterest income to average assets | 0.4293% | 3,951 |
| Noninterest expense to average assets | 2.2334% | 5,373 |
| Loan and lease loss provision to assets | 0.0591% | 2,925 |
| Net operating income to assets | 1.1423% | 1,656 |
| Return on assets (ROA) | 1.1423% | 1,723 |
| Pretax return on assets | 1.2093% | 2,451 |
| Return on Equity (ROE) | 4.9049% | 4,593 |
| Retained earnings to average equity (ytd only) | 2.3679% | 4,651 |
| Net charge-offs to loans | -1.1677% | 6,639 |
| Credit loss provision to net charge-offs | -8.3799% | 4,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7795% | 4,892 |
| Assets per employee ($millions) | 4.6623% | 2,715 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9619% | 197 |
| Loan loss allowance to noncurrent loans | 80,066.6667% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 6,336 |
| Noncurrent loans to loans | 0.0049% | 6,175 |
| Net loans and leases to total assets | 56.7671% | 4,037 |
| Net loans and leases to deposits | 80.2177% | 2,264 |
| Net loans and leases to core deposits | 83.4100% | 2,582 |
| Total domestic deposits to total assets | 70.7663% | 6,413 |
| Equity capital to assets | 23.2602% | 121 |
| Core capital (leverage) ratio | 21.9291% | 136 |
| Tier 1 risk-based capital ratio | 35.8578% | 322 |
| Total risk-based capital ratio | 37.1409% | 314 |
| Memoranda: | ||
| Average total assets | $101,550,000 | 4,695 |
| Average earning assets | $96,770,500 | 4,603 |
| Average equity | $23,650,000 | 2,783 |
| Average total loans | $61,317,500 | 4,539 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6013% | 5,403 |
| Cost of funding earning assets | 0.5248% | 3,352 |
| Net interest margin | 3.0765% | 5,387 |
| Noninterest income to average assets | 0.4402% | 4,159 |
| Noninterest expense to average assets | 2.1172% | 5,792 |
| Loan and lease loss provision to assets | 0.1974% | 1,878 |
| Net operating income to assets | 1.0097% | 2,284 |
| Return on assets (ROA) | 1.0097% | 2,347 |
| Pretax return on assets | 1.0591% | 3,115 |
| Return on Equity (ROE) | 4.3266% | 4,965 |
| Retained earnings to average equity (ytd only) | 0.5202% | 5,605 |
| Net charge-offs to loans | 0.2133% | 2,753 |
| Credit loss provision to net charge-offs | 157.4803% | 1,462 |
| Earnings coverage of net charge-offs (x) | 10.0236% | 2,432 |
| Efficiency ratio | 62.7560% | 5,095 |
| Assets per employee ($millions) | 4.3709% | 3,134 |
| Cash dividends to net income (ytd only)* | 87.9765% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5609% | 273 |
| Loan loss allowance to noncurrent loans | 7,613.7931% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 6,298 |
| Noncurrent loans to loans | 0.0468% | 6,093 |
| Net loans and leases to total assets | 59.4837% | 3,798 |
| Net loans and leases to deposits | 84.2311% | 1,904 |
| Net loans and leases to core deposits | 88.3203% | 2,208 |
| Total domestic deposits to total assets | 70.6197% | 6,496 |
| Equity capital to assets | 23.3184% | 120 |
| Core capital (leverage) ratio | 21.6791% | 142 |
| Tier 1 risk-based capital ratio | 35.1052% | 326 |
| Total risk-based capital ratio | 36.3837% | 317 |
| Memoranda: | ||
| Average total assets | $101,314,600 | 4,710 |
| Average earning assets | $96,603,400 | 4,603 |
| Average equity | $23,644,400 | 2,757 |
| Average total loans | $59,551,600 | 4,627 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5590% | 5,552 |
| Cost of funding earning assets | 0.5289% | 3,474 |
| Net interest margin | 3.0301% | 5,519 |
| Noninterest income to average assets | 0.4466% | 4,181 |
| Noninterest expense to average assets | 2.1764% | 5,661 |
| Loan and lease loss provision to assets | 0.2364% | 1,523 |
| Net operating income to assets | 0.8761% | 2,961 |
| Return on assets (ROA) | 0.8761% | 3,075 |
| Pretax return on assets | 0.9234% | 3,785 |
| Return on Equity (ROE) | 3.7532% | 5,331 |
| Retained earnings to average equity (ytd only) | 1.2211% | 5,492 |
| Net charge-offs to loans | -0.1063% | 6,511 |
| Credit loss provision to net charge-offs | -382.9787% | 6,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2362% | 4,614 |
| Assets per employee ($millions) | 4.4427% | 2,976 |
| Cash dividends to net income (ytd only)* | 67.4669% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9728% | 243 |
| Loan loss allowance to noncurrent loans | 78,766.6667% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 6,445 |
| Noncurrent loans to loans | 0.0050% | 6,371 |
| Net loans and leases to total assets | 55.8968% | 4,335 |
| Net loans and leases to deposits | 79.1467% | 2,519 |
| Net loans and leases to core deposits | 83.5716% | 2,695 |
| Total domestic deposits to total assets | 70.6243% | 6,571 |
| Equity capital to assets | 23.1330% | 117 |
| Core capital (leverage) ratio | 21.7570% | 140 |
| Tier 1 risk-based capital ratio | 36.9406% | 285 |
| Total risk-based capital ratio | 38.2287% | 283 |
| Memoranda: | ||
| Average total assets | $101,510,750 | 4,749 |
| Average earning assets | $96,803,750 | 4,646 |
| Average equity | $23,695,000 | 2,787 |
| Average total loans | $58,937,750 | 4,684 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5752% | 5,510 |
| Cost of funding earning assets | 0.5338% | 3,562 |
| Net interest margin | 3.0414% | 5,460 |
| Noninterest income to average assets | 0.4482% | 4,172 |
| Noninterest expense to average assets | 2.2471% | 5,508 |
| Loan and lease loss provision to assets | 0.2370% | 1,567 |
| Net operating income to assets | 0.8195% | 3,200 |
| Return on assets (ROA) | 0.8195% | 3,356 |
| Pretax return on assets | 0.8668% | 4,034 |
| Return on Equity (ROE) | 3.5000% | 5,424 |
| Retained earnings to average equity (ytd only) | 0.9699% | 5,513 |
| Net charge-offs to loans | -0.2587% | 6,725 |
| Credit loss provision to net charge-offs | -157.8947% | 5,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0595% | 4,346 |
| Assets per employee ($millions) | 4.4825% | 2,837 |
| Cash dividends to net income (ytd only)* | 72.2892% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9440% | 268 |
| Loan loss allowance to noncurrent loans | 3,427.9412% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 6,303 |
| Noncurrent loans to loans | 0.1151% | 6,046 |
| Net loans and leases to total assets | 55.0656% | 4,440 |
| Net loans and leases to deposits | 77.4618% | 2,646 |
| Net loans and leases to core deposits | 81.4096% | 2,867 |
| Total domestic deposits to total assets | 71.0874% | 6,613 |
| Equity capital to assets | 22.8309% | 120 |
| Core capital (leverage) ratio | 21.4404% | 136 |
| Tier 1 risk-based capital ratio | 37.0944% | 287 |
| Total risk-based capital ratio | 38.3820% | 280 |
| Memoranda: | ||
| Average total assets | $101,286,670 | 4,783 |
| Average earning assets | $96,665,670 | 4,683 |
| Average equity | $23,714,000 | 2,797 |
| Average total loans | $58,757,000 | 4,713 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6649% | 5,269 |
| Cost of funding earning assets | 0.5552% | 3,517 |
| Net interest margin | 3.1097% | 5,225 |
| Noninterest income to average assets | 0.4583% | 4,064 |
| Noninterest expense to average assets | 2.3988% | 5,125 |
| Loan and lease loss provision to assets | 0.2391% | 1,520 |
| Net operating income to assets | 0.7412% | 3,468 |
| Return on assets (ROA) | 0.7412% | 3,604 |
| Pretax return on assets | 0.7890% | 4,214 |
| Return on Equity (ROE) | 3.1258% | 5,530 |
| Retained earnings to average equity (ytd only) | 0.6050% | 5,587 |
| Net charge-offs to loans | -0.1843% | 6,661 |
| Credit loss provision to net charge-offs | -222.2222% | 5,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0000% | 3,972 |
| Assets per employee ($millions) | 4.4475% | 3,066 |
| Cash dividends to net income (ytd only)* | 80.6452% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9229% | 305 |
| Loan loss allowance to noncurrent loans | 2,137.5000% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 6,279 |
| Noncurrent loans to loans | 0.1835% | 5,946 |
| Net loans and leases to total assets | 53.2241% | 4,527 |
| Net loans and leases to deposits | 75.3467% | 2,728 |
| Net loans and leases to core deposits | 78.9650% | 2,936 |
| Total domestic deposits to total assets | 70.6390% | 6,729 |
| Equity capital to assets | 23.2794% | 116 |
| Core capital (leverage) ratio | 21.9763% | 134 |
| Tier 1 risk-based capital ratio | 38.2425% | 264 |
| Total risk-based capital ratio | 39.5279% | 257 |
| Memoranda: | ||
| Average total assets | $100,381,500 | 4,855 |
| Average earning assets | $95,829,000 | 4,742 |
| Average equity | $23,802,000 | 2,822 |
| Average total loans | $58,584,500 | 4,756 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2377% | 4,443 |
| Cost of funding earning assets | 0.6261% | 4,132 |
| Net interest margin | 3.6115% | 4,038 |
| Noninterest income to average assets | 0.4981% | 3,919 |
| Noninterest expense to average assets | 2.1888% | 5,946 |
| Loan and lease loss provision to assets | 0.3705% | 1,768 |
| Net operating income to assets | 1.3676% | 1,160 |
| Return on assets (ROA) | 1.3676% | 1,281 |
| Pretax return on assets | 1.3697% | 2,148 |
| Return on Equity (ROE) | 5.5720% | 4,386 |
| Retained earnings to average equity (ytd only) | 0.1216% | 5,778 |
| Net charge-offs to loans | 0.2621% | 3,369 |
| Credit loss provision to net charge-offs | 215.5689% | 1,179 |
| Earnings coverage of net charge-offs (x) | 10.1257% | 2,174 |
| Efficiency ratio | 55.7098% | 6,088 |
| Assets per employee ($millions) | 4.2813% | 3,397 |
| Cash dividends to net income (ytd only)* | 97.8179% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5288% | 415 |
| Loan loss allowance to noncurrent loans | 3,007.0423% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 6,150 |
| Noncurrent loans to loans | 0.1174% | 6,190 |
| Net loans and leases to total assets | 59.2733% | 3,732 |
| Net loans and leases to deposits | 85.1129% | 1,622 |
| Net loans and leases to core deposits | 89.4198% | 1,906 |
| Total domestic deposits to total assets | 69.6408% | 6,797 |
| Equity capital to assets | 24.1604% | 107 |
| Core capital (leverage) ratio | 22.5185% | 122 |
| Tier 1 risk-based capital ratio | 35.9102% | 320 |
| Total risk-based capital ratio | 37.1910% | 311 |
| Memoranda: | ||
| Average total assets | $97,175,600 | 4,908 |
| Average earning assets | $92,315,000 | 4,802 |
| Average equity | $23,851,200 | 2,761 |
| Average total loans | $63,717,000 | 4,575 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3400% | 4,293 |
| Cost of funding earning assets | 0.6366% | 4,303 |
| Net interest margin | 3.7035% | 3,785 |
| Noninterest income to average assets | 0.4873% | 4,004 |
| Noninterest expense to average assets | 2.2481% | 5,822 |
| Loan and lease loss provision to assets | 0.3717% | 1,742 |
| Net operating income to assets | 1.3821% | 1,262 |
| Return on assets (ROA) | 1.3821% | 1,395 |
| Pretax return on assets | 1.3835% | 2,289 |
| Return on Equity (ROE) | 5.6089% | 4,529 |
| Retained earnings to average equity (ytd only) | 1.6983% | 5,481 |
| Net charge-offs to loans | -0.0496% | 6,708 |
| Credit loss provision to net charge-offs | -1,125.0000% | 6,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1554% | 6,040 |
| Assets per employee ($millions) | 4.2120% | 3,445 |
| Cash dividends to net income (ytd only)* | 69.7213% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6216% | 419 |
| Loan loss allowance to noncurrent loans | 2,032.7273% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 6,055 |
| Noncurrent loans to loans | 0.1782% | 6,166 |
| Net loans and leases to total assets | 61.4222% | 3,494 |
| Net loans and leases to deposits | 89.5484% | 1,201 |
| Net loans and leases to core deposits | 94.2444% | 1,564 |
| Total domestic deposits to total assets | 68.5911% | 6,902 |
| Equity capital to assets | 24.8656% | 110 |
| Core capital (leverage) ratio | 23.0272% | 122 |
| Tier 1 risk-based capital ratio | 30.9107% | 486 |
| Total risk-based capital ratio | 32.1857% | 475 |
| Memoranda: | ||
| Average total assets | $96,851,750 | 4,964 |
| Average earning assets | $91,948,000 | 4,850 |
| Average equity | $23,866,250 | 2,788 |
| Average total loans | $64,520,750 | 4,605 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 4,152 |
| Cost of funding earning assets | 0.6481% | 4,456 |
| Net interest margin | 3.7605% | 3,538 |
| Noninterest income to average assets | 0.5039% | 3,898 |
| Noninterest expense to average assets | 2.2717% | 5,815 |
| Loan and lease loss provision to assets | 0.4337% | 1,503 |
| Net operating income to assets | 1.3672% | 1,267 |
| Return on assets (ROA) | 1.3672% | 1,426 |
| Pretax return on assets | 1.3692% | 2,325 |
| Return on Equity (ROE) | 5.5649% | 4,547 |
| Retained earnings to average equity (ytd only) | 2.2024% | 5,089 |
| Net charge-offs to loans | 0.0122% | 5,283 |
| Credit loss provision to net charge-offs | 5,250.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 218.2500% | 198 |
| Efficiency ratio | 55.7527% | 6,143 |
| Assets per employee ($millions) | 4.2163% | 3,426 |
| Cash dividends to net income (ytd only)* | 60.4230% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3949% | 541 |
| Loan loss allowance to noncurrent loans | 2,237.5000% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 6,164 |
| Noncurrent loans to loans | 0.1517% | 6,287 |
| Net loans and leases to total assets | 63.0296% | 3,227 |
| Net loans and leases to deposits | 91.6744% | 985 |
| Net loans and leases to core deposits | 95.6287% | 1,464 |
| Total domestic deposits to total assets | 68.7538% | 6,965 |
| Equity capital to assets | 24.7868% | 103 |
| Core capital (leverage) ratio | 22.6492% | 121 |
| Tier 1 risk-based capital ratio | 30.1363% | 511 |
| Total risk-based capital ratio | 31.4088% | 506 |
| Memoranda: | ||
| Average total assets | $96,843,330 | 4,984 |
| Average earning assets | $91,956,330 | 4,875 |
| Average equity | $23,792,000 | 2,789 |
| Average total loans | $65,447,670 | 4,586 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4994% | 3,915 |
| Cost of funding earning assets | 0.6521% | 4,712 |
| Net interest margin | 3.8473% | 3,146 |
| Noninterest income to average assets | 0.5166% | 3,801 |
| Noninterest expense to average assets | 2.3063% | 5,753 |
| Loan and lease loss provision to assets | 0.4960% | 1,226 |
| Net operating income to assets | 1.3722% | 1,273 |
| Return on assets (ROA) | 1.3722% | 1,423 |
| Pretax return on assets | 1.3722% | 2,276 |
| Return on Equity (ROE) | 5.6106% | 4,494 |
| Retained earnings to average equity (ytd only) | 2.2307% | 5,144 |
| Net charge-offs to loans | -0.0180% | 6,147 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2475% | 6,200 |
| Assets per employee ($millions) | 4.3090% | 3,377 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2385% | 657 |
| Loan loss allowance to noncurrent loans | 603.8012% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.5731% | 5,460 |
| Noncurrent loans to loans | 0.5363% | 5,590 |
| Net loans and leases to total assets | 62.2559% | 3,207 |
| Net loans and leases to deposits | 89.3348% | 1,027 |
| Net loans and leases to core deposits | 93.0520% | 1,541 |
| Total domestic deposits to total assets | 69.6883% | 6,997 |
| Equity capital to assets | 23.9862% | 110 |
| Core capital (leverage) ratio | 22.5762% | 126 |
| Tier 1 risk-based capital ratio | 30.0111% | 521 |
| Total risk-based capital ratio | 31.2818% | 510 |
| Memoranda: | ||
| Average total assets | $96,777,500 | 5,025 |
| Average earning assets | $92,013,000 | 4,906 |
| Average equity | $23,669,500 | 2,793 |
| Average total loans | $66,536,000 | 4,565 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8230% | 3,694 |
| Cost of funding earning assets | 0.7275% | 5,357 |
| Net interest margin | 4.0956% | 2,442 |
| Noninterest income to average assets | 0.2648% | 5,629 |
| Noninterest expense to average assets | 2.2179% | 6,232 |
| Loan and lease loss provision to assets | 0.6493% | 1,569 |
| Net operating income to assets | 1.3159% | 1,203 |
| Return on assets (ROA) | 1.3301% | 1,265 |
| Pretax return on assets | 1.3301% | 2,015 |
| Return on Equity (ROE) | 5.6174% | 4,074 |
| Retained earnings to average equity (ytd only) | 0.9041% | 5,441 |
| Net charge-offs to loans | 0.6286% | 2,577 |
| Credit loss provision to net charge-offs | 143.8202% | 2,013 |
| Earnings coverage of net charge-offs (x) | 4.3528% | 3,150 |
| Efficiency ratio | 53.0196% | 6,612 |
| Assets per employee ($millions) | 4.2931% | 3,268 |
| Cash dividends to net income (ytd only)* | 83.9054% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8020% | 978 |
| Loan loss allowance to noncurrent loans | 499.2288% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.5844% | 5,510 |
| Noncurrent loans to loans | 0.5613% | 5,596 |
| Net loans and leases to total assets | 71.3250% | 1,765 |
| Net loans and leases to deposits | 104.0804% | 309 |
| Net loans and leases to core deposits | 108.2203% | 691 |
| Total domestic deposits to total assets | 68.5287% | 7,050 |
| Equity capital to assets | 24.9524% | 107 |
| Core capital (leverage) ratio | 22.3929% | 134 |
| Tier 1 risk-based capital ratio | 30.4830% | 499 |
| Total risk-based capital ratio | 31.7506% | 487 |
| Memoranda: | ||
| Average total assets | $98,561,400 | 4,931 |
| Average earning assets | $94,297,200 | 4,802 |
| Average equity | $23,338,000 | 2,744 |
| Average total loans | $70,792,600 | 4,459 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8383% | 3,840 |
| Cost of funding earning assets | 0.7347% | 5,562 |
| Net interest margin | 4.1036% | 2,458 |
| Noninterest income to average assets | 0.3039% | 5,435 |
| Noninterest expense to average assets | 2.4152% | 5,722 |
| Loan and lease loss provision to assets | 0.4820% | 2,059 |
| Net operating income to assets | 1.3401% | 1,287 |
| Return on assets (ROA) | 1.3468% | 1,365 |
| Pretax return on assets | 1.3468% | 2,125 |
| Return on Equity (ROE) | 5.7614% | 4,137 |
| Retained earnings to average equity (ytd only) | 1.7525% | 5,267 |
| Net charge-offs to loans | 0.5133% | 2,706 |
| Credit loss provision to net charge-offs | 131.3869% | 2,423 |
| Earnings coverage of net charge-offs (x) | 4.9672% | 2,915 |
| Efficiency ratio | 56.9984% | 6,144 |
| Assets per employee ($millions) | 4.3484% | 3,183 |
| Cash dividends to net income (ytd only)* | 69.5825% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6446% | 1,210 |
| Loan loss allowance to noncurrent loans | 414.7059% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.5770% | 5,675 |
| Noncurrent loans to loans | 0.6377% | 5,613 |
| Net loans and leases to total assets | 70.5368% | 1,974 |
| Net loans and leases to deposits | 103.1615% | 344 |
| Net loans and leases to core deposits | 107.2525% | 802 |
| Total domestic deposits to total assets | 68.3751% | 7,125 |
| Equity capital to assets | 24.8983% | 119 |
| Core capital (leverage) ratio | 22.5824% | 141 |
| Tier 1 risk-based capital ratio | 30.2297% | 528 |
| Total risk-based capital ratio | 31.4955% | 517 |
| Memoranda: | ||
| Average total assets | $99,589,750 | 4,937 |
| Average earning assets | $95,457,750 | 4,805 |
| Average equity | $23,280,750 | 2,754 |
| Average total loans | $71,164,000 | 4,484 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8566% | 3,837 |
| Cost of funding earning assets | 0.7381% | 5,746 |
| Net interest margin | 4.1185% | 2,343 |
| Noninterest income to average assets | 0.2319% | 5,990 |
| Noninterest expense to average assets | 2.4262% | 5,763 |
| Loan and lease loss provision to assets | 0.4757% | 2,083 |
| Net operating income to assets | 1.2785% | 1,374 |
| Return on assets (ROA) | 1.2785% | 1,439 |
| Pretax return on assets | 1.2785% | 2,212 |
| Return on Equity (ROE) | 5.5841% | 4,163 |
| Retained earnings to average equity (ytd only) | 2.1211% | 4,929 |
| Net charge-offs to loans | 0.3761% | 3,049 |
| Credit loss provision to net charge-offs | 177.7778% | 1,695 |
| Earnings coverage of net charge-offs (x) | 6.5556% | 2,376 |
| Efficiency ratio | 58.0370% | 6,155 |
| Assets per employee ($millions) | 4.4690% | 2,894 |
| Cash dividends to net income (ytd only)* | 62.0155% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6693% | 1,211 |
| Loan loss allowance to noncurrent loans | 595.4984% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 5,897 |
| Noncurrent loans to loans | 0.4482% | 6,014 |
| Net loans and leases to total assets | 68.6860% | 2,480 |
| Net loans and leases to deposits | 98.4632% | 569 |
| Net loans and leases to core deposits | 106.1943% | 924 |
| Total domestic deposits to total assets | 69.7580% | 7,127 |
| Equity capital to assets | 23.7975% | 138 |
| Core capital (leverage) ratio | 22.0670% | 157 |
| Tier 1 risk-based capital ratio | 30.2617% | 519 |
| Total risk-based capital ratio | 31.5279% | 509 |
| Memoranda: | ||
| Average total assets | $100,898,000 | 4,936 |
| Average earning assets | $96,734,330 | 4,791 |
| Average equity | $23,101,330 | 2,750 |
| Average total loans | $71,781,330 | 4,508 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9542% | 3,308 |
| Cost of funding earning assets | 0.7515% | 5,848 |
| Net interest margin | 4.2027% | 1,882 |
| Noninterest income to average assets | 0.0431% | 7,170 |
| Noninterest expense to average assets | 2.4817% | 5,616 |
| Loan and lease loss provision to assets | 0.4697% | 1,871 |
| Net operating income to assets | 1.1195% | 1,768 |
| Return on assets (ROA) | 1.1195% | 1,818 |
| Pretax return on assets | 1.1195% | 2,683 |
| Return on Equity (ROE) | 4.9840% | 4,415 |
| Retained earnings to average equity (ytd only) | 1.4987% | 5,215 |
| Net charge-offs to loans | -0.6139% | 7,437 |
| Credit loss provision to net charge-offs | -107.1429% | 5,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9615% | 5,839 |
| Assets per employee ($millions) | 4.5406% | 2,818 |
| Cash dividends to net income (ytd only)* | 69.9301% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7721% | 1,140 |
| Loan loss allowance to noncurrent loans | 552.7933% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.8139% | 5,278 |
| Noncurrent loans to loans | 0.5015% | 6,018 |
| Net loans and leases to total assets | 69.4843% | 2,225 |
| Net loans and leases to deposits | 98.3019% | 557 |
| Net loans and leases to core deposits | 104.9933% | 1,003 |
| Total domestic deposits to total assets | 70.6846% | 7,147 |
| Equity capital to assets | 22.9706% | 146 |
| Core capital (leverage) ratio | 21.2625% | 177 |
| Tier 1 risk-based capital ratio | 29.1217% | 566 |
| Total risk-based capital ratio | 30.3892% | 549 |
| Memoranda: | ||
| Average total assets | $102,188,500 | 4,943 |
| Average earning assets | $97,937,500 | 4,791 |
| Average equity | $22,953,500 | 2,751 |
| Average total loans | $72,981,000 | 4,514 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2478% | 3,372 |
| Cost of funding earning assets | 0.9434% | 5,964 |
| Net interest margin | 4.3044% | 1,808 |
| Noninterest income to average assets | 0.4580% | 4,455 |
| Noninterest expense to average assets | 2.1938% | 6,630 |
| Loan and lease loss provision to assets | 1.0771% | 1,491 |
| Net operating income to assets | 1.1994% | 1,415 |
| Return on assets (ROA) | 1.1707% | 1,560 |
| Pretax return on assets | 1.2227% | 2,154 |
| Return on Equity (ROE) | 5.2792% | 3,957 |
| Retained earnings to average equity (ytd only) | 0.4957% | 5,334 |
| Net charge-offs to loans | 0.5911% | 3,258 |
| Credit loss provision to net charge-offs | 246.5784% | 1,162 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 2,653 |
| Efficiency ratio | 48.4971% | 7,240 |
| Assets per employee ($millions) | 5.2242% | 1,828 |
| Cash dividends to net income (ytd only)* | 90.6096% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3427% | 1,624 |
| Loan loss allowance to noncurrent loans | 301.7271% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 1.3217% | 4,385 |
| Noncurrent loans to loans | 0.7764% | 5,492 |
| Net loans and leases to total assets | 69.7006% | 2,599 |
| Net loans and leases to deposits | 96.7209% | 801 |
| Net loans and leases to core deposits | 118.8938% | 565 |
| Total domestic deposits to total assets | 72.0637% | 7,077 |
| Equity capital to assets | 21.9756% | 184 |
| Core capital (leverage) ratio | 21.2035% | 192 |
| Tier 1 risk-based capital ratio | 27.2529% | 661 |
| Total risk-based capital ratio | 28.5152% | 648 |
| Memoranda: | ||
| Average total assets | $103,700,800 | 4,883 |
| Average earning assets | $97,946,200 | 4,776 |
| Average equity | $22,995,800 | 2,762 |
| Average total loans | $76,636,400 | 4,434 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2956% | 3,374 |
| Cost of funding earning assets | 0.9828% | 6,023 |
| Net interest margin | 4.3129% | 1,807 |
| Noninterest income to average assets | 0.4740% | 4,388 |
| Noninterest expense to average assets | 2.1358% | 6,766 |
| Loan and lease loss provision to assets | 1.2456% | 1,133 |
| Net operating income to assets | 1.0965% | 1,897 |
| Return on assets (ROA) | 1.0524% | 2,170 |
| Pretax return on assets | 1.1052% | 2,808 |
| Return on Equity (ROE) | 4.7352% | 4,435 |
| Retained earnings to average equity (ytd only) | 0.6781% | 5,530 |
| Net charge-offs to loans | 0.3474% | 3,918 |
| Credit loss provision to net charge-offs | 481.0945% | 614 |
| Earnings coverage of net charge-offs (x) | 9.2588% | 2,048 |
| Efficiency ratio | 47.1157% | 7,324 |
| Assets per employee ($millions) | 5.2824% | 1,840 |
| Cash dividends to net income (ytd only)* | 85.6790% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4309% | 1,432 |
| Loan loss allowance to noncurrent loans | 162.1930% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 1.3990% | 4,358 |
| Noncurrent loans to loans | 1.4988% | 4,391 |
| Net loans and leases to total assets | 70.2453% | 2,679 |
| Net loans and leases to deposits | 98.0771% | 789 |
| Net loans and leases to core deposits | 120.3451% | 598 |
| Total domestic deposits to total assets | 71.6225% | 7,170 |
| Equity capital to assets | 22.3045% | 185 |
| Core capital (leverage) ratio | 21.2329% | 198 |
| Tier 1 risk-based capital ratio | 27.9314% | 634 |
| Total risk-based capital ratio | 29.1954% | 612 |
| Memoranda: | ||
| Average total assets | $103,505,000 | 4,948 |
| Average earning assets | $97,411,000 | 4,853 |
| Average equity | $23,004,500 | 2,805 |
| Average total loans | $77,152,250 | 4,494 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3807% | 3,061 |
| Cost of funding earning assets | 1.0041% | 6,117 |
| Net interest margin | 4.3766% | 1,518 |
| Noninterest income to average assets | 0.4942% | 4,168 |
| Noninterest expense to average assets | 2.1733% | 6,715 |
| Loan and lease loss provision to assets | 1.7258% | 725 |
| Net operating income to assets | 0.6565% | 3,601 |
| Return on assets (ROA) | 0.6674% | 3,690 |
| Pretax return on assets | 0.7199% | 4,166 |
| Return on Equity (ROE) | 3.0064% | 5,229 |
| Retained earnings to average equity (ytd only) | -0.4996% | 5,844 |
| Net charge-offs to loans | 0.5934% | 2,746 |
| Credit loss provision to net charge-offs | 385.6522% | 941 |
| Earnings coverage of net charge-offs (x) | 5.4391% | 2,665 |
| Efficiency ratio | 47.1706% | 7,386 |
| Assets per employee ($millions) | 5.1869% | 1,941 |
| Cash dividends to net income (ytd only)* | 116.6181% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2519% | 1,665 |
| Loan loss allowance to noncurrent loans | 151.0417% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 1.4142% | 4,353 |
| Noncurrent loans to loans | 1.4909% | 4,468 |
| Net loans and leases to total assets | 72.8062% | 2,211 |
| Net loans and leases to deposits | 104.6718% | 456 |
| Net loans and leases to core deposits | 129.8808% | 422 |
| Total domestic deposits to total assets | 69.5567% | 7,356 |
| Equity capital to assets | 22.3932% | 185 |
| Core capital (leverage) ratio | 21.1674% | 199 |
| Tier 1 risk-based capital ratio | 27.3759% | 672 |
| Total risk-based capital ratio | 28.6374% | 660 |
| Memoranda: | ||
| Average total assets | $102,791,000 | 4,997 |
| Average earning assets | $96,605,330 | 4,914 |
| Average equity | $22,818,000 | 2,819 |
| Average total loans | $77,516,000 | 4,524 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5105% | 2,534 |
| Cost of funding earning assets | 1.0314% | 6,219 |
| Net interest margin | 4.4791% | 1,189 |
| Noninterest income to average assets | 0.4613% | 4,372 |
| Noninterest expense to average assets | 2.4277% | 5,989 |
| Loan and lease loss provision to assets | 3.4285% | 274 |
| Net operating income to assets | -1.2901% | 7,249 |
| Return on assets (ROA) | -1.2666% | 7,260 |
| Pretax return on assets | -1.2119% | 7,152 |
| Return on Equity (ROE) | -5.7315% | 6,921 |
| Retained earnings to average equity (ytd only) | -9.2694% | 6,916 |
| Net charge-offs to loans | 1.1231% | 1,498 |
| Credit loss provision to net charge-offs | 402.2936% | 1,013 |
| Earnings coverage of net charge-offs (x) | 2.5734% | 3,253 |
| Efficiency ratio | 52.5381% | 7,096 |
| Assets per employee ($millions) | 5.1559% | 2,017 |
| Cash dividends to net income (ytd only)* | -61.7284% | 7,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2455% | 1,669 |
| Loan loss allowance to noncurrent loans | 146.3866% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 1.5051% | 4,248 |
| Noncurrent loans to loans | 1.5339% | 4,447 |
| Net loans and leases to total assets | 73.5429% | 2,071 |
| Net loans and leases to deposits | 104.8530% | 482 |
| Net loans and leases to core deposits | 131.5045% | 449 |
| Total domestic deposits to total assets | 70.1391% | 7,401 |
| Equity capital to assets | 21.7770% | 217 |
| Core capital (leverage) ratio | 20.8371% | 217 |
| Tier 1 risk-based capital ratio | 28.1708% | 627 |
| Total risk-based capital ratio | 29.4336% | 612 |
| Memoranda: | ||
| Average total assets | $102,318,000 | 5,080 |
| Average earning assets | $95,018,500 | 5,017 |
| Average equity | $22,612,000 | 2,864 |
| Average total loans | $77,640,500 | 4,587 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6254% | 3,465 |
| Cost of funding earning assets | 1.5557% | 5,256 |
| Net interest margin | 4.0697% | 2,568 |
| Noninterest income to average assets | 0.4615% | 4,709 |
| Noninterest expense to average assets | 2.3838% | 6,513 |
| Loan and lease loss provision to assets | 0.4777% | 3,968 |
| Net operating income to assets | 0.8611% | 2,307 |
| Return on assets (ROA) | 0.0430% | 5,410 |
| Pretax return on assets | 0.1232% | 5,170 |
| Return on Equity (ROE) | 0.1959% | 5,470 |
| Retained earnings to average equity (ytd only) | -4.1573% | 5,893 |
| Net charge-offs to loans | 0.2779% | 4,892 |
| Credit loss provision to net charge-offs | 236.9668% | 1,526 |
| Earnings coverage of net charge-offs (x) | 9.3223% | 1,820 |
| Efficiency ratio | 55.9166% | 7,026 |
| Assets per employee ($millions) | 5.0759% | 2,117 |
| Cash dividends to net income (ytd only)* | 2,222.2222% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 4,265 |
| Loan loss allowance to noncurrent loans | 105.4528% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 1.2747% | 4,538 |
| Noncurrent loans to loans | 1.3217% | 4,713 |
| Net loans and leases to total assets | 75.4743% | 1,928 |
| Net loans and leases to deposits | 111.5138% | 332 |
| Net loans and leases to core deposits | 168.6439% | 247 |
| Total domestic deposits to total assets | 67.6816% | 7,570 |
| Equity capital to assets | 22.4275% | 216 |
| Core capital (leverage) ratio | 20.9501% | 244 |
| Tier 1 risk-based capital ratio | 27.9520% | 652 |
| Total risk-based capital ratio | 29.2095% | 628 |
| Memoranda: | ||
| Average total assets | $104,666,400 | 4,970 |
| Average earning assets | $97,771,400 | 4,899 |
| Average equity | $22,971,800 | 2,829 |
| Average total loans | $75,927,000 | 4,655 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7390% | 3,144 |
| Cost of funding earning assets | 1.6256% | 5,282 |
| Net interest margin | 4.1135% | 2,341 |
| Noninterest income to average assets | 0.4539% | 4,874 |
| Noninterest expense to average assets | 2.0609% | 7,266 |
| Loan and lease loss provision to assets | 0.3793% | 4,053 |
| Net operating income to assets | 1.7638% | 490 |
| Return on assets (ROA) | 1.7638% | 518 |
| Pretax return on assets | 1.8434% | 738 |
| Return on Equity (ROE) | 8.0787% | 2,603 |
| Retained earnings to average equity (ytd only) | 4.6040% | 2,700 |
| Net charge-offs to loans | -0.0954% | 7,920 |
| Credit loss provision to net charge-offs | -555.5556% | 7,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1110% | 7,660 |
| Assets per employee ($millions) | 5.1458% | 1,976 |
| Cash dividends to net income (ytd only)* | 43.0108% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 3,393 |
| Loan loss allowance to noncurrent loans | 791.7241% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.2915% | 6,761 |
| Noncurrent loans to loans | 0.1904% | 7,022 |
| Net loans and leases to total assets | 72.8728% | 2,829 |
| Net loans and leases to deposits | 112.3618% | 376 |
| Net loans and leases to core deposits | 164.3770% | 328 |
| Total domestic deposits to total assets | 64.8555% | 7,731 |
| Equity capital to assets | 22.6420% | 227 |
| Core capital (leverage) ratio | 22.5106% | 220 |
| Tier 1 risk-based capital ratio | 30.1110% | 559 |
| Total risk-based capital ratio | 31.3643% | 546 |
| Memoranda: | ||
| Average total assets | $105,453,500 | 4,976 |
| Average earning assets | $98,179,500 | 4,918 |
| Average equity | $23,022,750 | 2,851 |
| Average total loans | $75,483,000 | 4,718 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9166% | 2,512 |
| Cost of funding earning assets | 1.7081% | 5,229 |
| Net interest margin | 4.2086% | 1,965 |
| Noninterest income to average assets | 0.4572% | 4,805 |
| Noninterest expense to average assets | 2.0019% | 7,461 |
| Loan and lease loss provision to assets | 0.3199% | 4,026 |
| Net operating income to assets | 1.9737% | 316 |
| Return on assets (ROA) | 1.9737% | 346 |
| Pretax return on assets | 2.0527% | 488 |
| Return on Equity (ROE) | 9.1497% | 2,306 |
| Retained earnings to average equity (ytd only) | 5.6608% | 2,176 |
| Net charge-offs to loans | -0.1674% | 8,015 |
| Credit loss provision to net charge-offs | -269.8413% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7634% | 7,863 |
| Assets per employee ($millions) | 5.1951% | 1,865 |
| Cash dividends to net income (ytd only)* | 38.1316% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 3,718 |
| Loan loss allowance to noncurrent loans | 489.5238% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 7,007 |
| Noncurrent loans to loans | 0.2862% | 6,796 |
| Net loans and leases to total assets | 69.6223% | 3,787 |
| Net loans and leases to deposits | 105.9928% | 767 |
| Net loans and leases to core deposits | 155.8459% | 526 |
| Total domestic deposits to total assets | 65.6859% | 7,757 |
| Equity capital to assets | 21.9909% | 285 |
| Core capital (leverage) ratio | 22.0909% | 276 |
| Tier 1 risk-based capital ratio | 30.8648% | 547 |
| Total risk-based capital ratio | 32.1163% | 537 |
| Memoranda: | ||
| Average total assets | $106,299,670 | 4,984 |
| Average earning assets | $98,941,330 | 4,922 |
| Average equity | $22,929,670 | 2,867 |
| Average total loans | $75,262,330 | 4,764 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0143% | 2,302 |
| Cost of funding earning assets | 1.7402% | 5,415 |
| Net interest margin | 4.2742% | 1,663 |
| Noninterest income to average assets | 0.4726% | 4,571 |
| Noninterest expense to average assets | 1.9982% | 7,356 |
| Loan and lease loss provision to assets | 0.1860% | 4,580 |
| Net operating income to assets | 2.2772% | 206 |
| Return on assets (ROA) | 2.2772% | 236 |
| Pretax return on assets | 2.3554% | 330 |
| Return on Equity (ROE) | 10.6574% | 2,083 |
| Retained earnings to average equity (ytd only) | 7.1746% | 2,147 |
| Net charge-offs to loans | -0.0525% | 7,708 |
| Credit loss provision to net charge-offs | -500.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0164% | 7,928 |
| Assets per employee ($millions) | 5.3483% | 1,699 |
| Cash dividends to net income (ytd only)* | 32.6797% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 5,394 |
| Loan loss allowance to noncurrent loans | 437.9487% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 6,820 |
| Noncurrent loans to loans | 0.2536% | 6,811 |
| Net loans and leases to total assets | 71.0896% | 3,446 |
| Net loans and leases to deposits | 109.8382% | 620 |
| Net loans and leases to core deposits | 161.8100% | 471 |
| Total domestic deposits to total assets | 64.7221% | 7,808 |
| Equity capital to assets | 21.4668% | 336 |
| Core capital (leverage) ratio | 21.4452% | 335 |
| Tier 1 risk-based capital ratio | 29.2403% | 673 |
| Total risk-based capital ratio | 30.3365% | 664 |
| Memoranda: | ||
| Average total assets | $107,498,500 | 4,968 |
| Average earning assets | $102,289,000 | 4,852 |
| Average equity | $22,970,000 | 2,880 |
| Average total loans | $76,210,000 | 4,757 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7649% | 1,803 |
| Cost of funding earning assets | 2.3919% | 4,750 |
| Net interest margin | 4.3730% | 1,763 |
| Noninterest income to average assets | 0.4217% | 5,288 |
| Noninterest expense to average assets | 1.7602% | 7,800 |
| Loan and lease loss provision to assets | 0.7338% | 2,019 |
| Net operating income to assets | 2.0864% | 299 |
| Return on assets (ROA) | -0.9663% | 7,151 |
| Pretax return on assets | -0.9663% | 6,981 |
| Return on Equity (ROE) | -4.4408% | 6,804 |
| Retained earnings to average equity (ytd only) | -10.5353% | 7,116 |
| Net charge-offs to loans | 1.6140% | 704 |
| Credit loss provision to net charge-offs | 64.9961% | 6,163 |
| Earnings coverage of net charge-offs (x) | 2.4980% | 4,824 |
| Efficiency ratio | 38.4289% | 8,151 |
| Assets per employee ($millions) | 5.4016% | 1,535 |
| Cash dividends to net income (ytd only)* | -137.2370% | 8,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 5,615 |
| Loan loss allowance to noncurrent loans | 9,925.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 7,336 |
| Noncurrent loans to loans | 0.0106% | 7,508 |
| Net loans and leases to total assets | 69.1749% | 4,210 |
| Net loans and leases to deposits | 106.4984% | 1,080 |
| Net loans and leases to core deposits | 159.3378% | 591 |
| Total domestic deposits to total assets | 64.9539% | 7,728 |
| Equity capital to assets | 21.2696% | 388 |
| Core capital (leverage) ratio | 20.2130% | 433 |
| Tier 1 risk-based capital ratio | 29.2634% | 681 |
| Total risk-based capital ratio | 30.3027% | 681 |
| Memoranda: | ||
| Average total assets | $113,113,400 | 4,691 |
| Average earning assets | $107,569,400 | 4,578 |
| Average equity | $24,612,600 | 2,679 |
| Average total loans | $79,118,600 | 4,549 |