Home > The Merchants and Farmers Bank of Salisbury > Performance and Condition Ratios
The Merchants and Farmers Bank of Salisbury, Performance and Condition Ratios
| 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 | 2.9265% | 4,018 |
| Cost of funding earning assets | 0.1570% | 3,762 |
| Net interest margin | 2.7695% | 3,801 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 3.1994% | 691 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.4525% | 4,675 |
| Return on assets (ROA) | -0.4525% | 4,661 |
| Pretax return on assets | -0.4525% | 4,654 |
| Return on Equity (ROE) | -7.3400% | 4,684 |
| Retained earnings to average equity (ytd only) | -12.2887% | 4,693 |
| Net charge-offs to loans | -0.0444% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 116.4721% | 77 |
| Assets per employee ($millions) | 4.1170% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9468% | 551 |
| Loan loss allowance to noncurrent loans | 214.6930% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.4102% | 1,320 |
| Noncurrent loans to loans | 0.9068% | 862 |
| Net loans and leases to total assets | 44.3600% | 3,854 |
| Net loans and leases to deposits | 46.4745% | 4,004 |
| Net loans and leases to core deposits | 47.3456% | 4,050 |
| Total domestic deposits to total assets | 95.4500% | 173 |
| Equity capital to assets | 4.4953% | 4,399 |
| Core capital (leverage) ratio | 7.7942% | 4,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6608% | 1,513 |
| Memoranda: | ||
| Average total assets | $116,393,750 | 3,790 |
| Average earning assets | $107,839,500 | 3,774 |
| Average equity | $7,171,750 | 4,234 |
| Average total loans | $51,097,750 | 3,896 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7584% | 4,052 |
| Cost of funding earning assets | 0.1453% | 3,632 |
| Net interest margin | 2.6131% | 3,880 |
| Noninterest income to average assets | 0.1608% | 4,209 |
| Noninterest expense to average assets | 2.2888% | 2,582 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2776% | 4,326 |
| Return on assets (ROA) | 0.2776% | 4,277 |
| Pretax return on assets | 0.2776% | 4,322 |
| Return on Equity (ROE) | 4.1537% | 3,999 |
| Retained earnings to average equity (ytd only) | -0.8358% | 4,282 |
| Net charge-offs to loans | -0.0428% | 4,172 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1821% | 446 |
| Assets per employee ($millions) | 4.2465% | 4,244 |
| Cash dividends to net income (ytd only)* | 120.1220% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8968% | 664 |
| Loan loss allowance to noncurrent loans | 203.8136% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 1,375 |
| Noncurrent loans to loans | 0.9307% | 901 |
| Net loans and leases to total assets | 43.3950% | 3,875 |
| Net loans and leases to deposits | 46.1438% | 4,020 |
| Net loans and leases to core deposits | 47.3559% | 4,062 |
| Total domestic deposits to total assets | 94.0431% | 275 |
| Equity capital to assets | 5.8915% | 4,233 |
| Core capital (leverage) ratio | 8.1592% | 4,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6485% | 1,273 |
| Memoranda: | ||
| Average total assets | $118,138,333 | 3,813 |
| Average earning assets | $108,758,000 | 3,815 |
| Average equity | $7,896,667 | 4,214 |
| Average total loans | $51,367,667 | 3,942 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6570% | 4,017 |
| Cost of funding earning assets | 0.1231% | 3,865 |
| Net interest margin | 2.5340% | 3,825 |
| Noninterest income to average assets | 0.1368% | 4,333 |
| Noninterest expense to average assets | 2.3190% | 2,429 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1535% | 4,397 |
| Return on assets (ROA) | 0.1535% | 4,366 |
| Pretax return on assets | 0.1535% | 4,382 |
| Return on Equity (ROE) | 2.1730% | 4,235 |
| Retained earnings to average equity (ytd only) | -1.3699% | 4,178 |
| Net charge-offs to loans | -0.0310% | 4,098 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7922% | 387 |
| Assets per employee ($millions) | 4.3561% | 4,226 |
| Cash dividends to net income (ytd only)* | 163.0435% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8864% | 759 |
| Loan loss allowance to noncurrent loans | 197.3140% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 1,475 |
| Noncurrent loans to loans | 0.9560% | 952 |
| Net loans and leases to total assets | 42.2310% | 3,868 |
| Net loans and leases to deposits | 45.1492% | 4,013 |
| Net loans and leases to core deposits | 46.1973% | 4,061 |
| Total domestic deposits to total assets | 93.5365% | 167 |
| Equity capital to assets | 6.4022% | 4,463 |
| Core capital (leverage) ratio | 7.9096% | 4,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5057% | 1,382 |
| Memoranda: | ||
| Average total assets | $119,879,500 | 3,822 |
| Average earning assets | $110,499,000 | 3,812 |
| Average equity | $8,467,500 | 4,215 |
| Average total loans | $51,693,000 | 3,946 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3439% | 3,070 |
| Cost of funding earning assets | 0.2065% | 3,402 |
| Net interest margin | 3.1373% | 2,771 |
| Noninterest income to average assets | 0.1862% | 4,224 |
| Noninterest expense to average assets | 2.4564% | 2,319 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6381% | 3,778 |
| Return on assets (ROA) | 0.6547% | 3,792 |
| Pretax return on assets | 0.6547% | 4,022 |
| Return on Equity (ROE) | 7.8847% | 3,250 |
| Retained earnings to average equity (ytd only) | 4.7161% | 2,911 |
| Net charge-offs to loans | -0.0166% | 3,915 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3785% | 845 |
| Assets per employee ($millions) | 4.5239% | 4,097 |
| Cash dividends to net income (ytd only)* | 40.1869% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8233% | 826 |
| Loan loss allowance to noncurrent loans | 192.4000% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 1,600 |
| Noncurrent loans to loans | 0.9477% | 1,066 |
| Net loans and leases to total assets | 42.4081% | 3,956 |
| Net loans and leases to deposits | 45.9529% | 4,093 |
| Net loans and leases to core deposits | 46.7808% | 4,153 |
| Total domestic deposits to total assets | 92.2862% | 119 |
| Equity capital to assets | 7.6999% | 4,501 |
| Core capital (leverage) ratio | 8.4203% | 4,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7951% | 1,580 |
| Memoranda: | ||
| Average total assets | $114,395,600 | 3,855 |
| Average earning assets | $106,045,000 | 3,843 |
| Average equity | $9,499,400 | 4,193 |
| Average total loans | $54,104,000 | 3,931 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6018% | 2,555 |
| Cost of funding earning assets | 0.2337% | 3,274 |
| Net interest margin | 3.3681% | 2,244 |
| Noninterest income to average assets | 0.1956% | 4,220 |
| Noninterest expense to average assets | 2.5941% | 1,854 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7280% | 3,699 |
| Return on assets (ROA) | 0.7505% | 3,715 |
| Pretax return on assets | 0.7505% | 3,985 |
| Return on Equity (ROE) | 8.8625% | 3,151 |
| Retained earnings to average equity (ytd only) | 5.5863% | 3,003 |
| Net charge-offs to loans | -0.0073% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0871% | 868 |
| Assets per employee ($millions) | 4.1016% | 4,386 |
| Cash dividends to net income (ytd only)* | 36.9668% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7862% | 956 |
| Loan loss allowance to noncurrent loans | 170.4100% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 1,507 |
| Noncurrent loans to loans | 1.0482% | 1,083 |
| Net loans and leases to total assets | 47.4671% | 3,678 |
| Net loans and leases to deposits | 52.0631% | 3,879 |
| Net loans and leases to core deposits | 53.0102% | 3,981 |
| Total domestic deposits to total assets | 91.1723% | 315 |
| Equity capital to assets | 8.6968% | 4,072 |
| Core capital (leverage) ratio | 8.3972% | 4,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0176% | 1,607 |
| Memoranda: | ||
| Average total assets | $112,458,500 | 3,920 |
| Average earning assets | $104,388,250 | 3,908 |
| Average equity | $9,523,000 | 4,247 |
| Average total loans | $54,439,750 | 3,976 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7006% | 2,331 |
| Cost of funding earning assets | 0.2667% | 3,115 |
| Net interest margin | 3.4340% | 2,050 |
| Noninterest income to average assets | 0.1752% | 4,326 |
| Noninterest expense to average assets | 2.5904% | 1,885 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7520% | 3,636 |
| Return on assets (ROA) | 0.7856% | 3,618 |
| Pretax return on assets | 0.7856% | 3,898 |
| Return on Equity (ROE) | 9.3602% | 2,991 |
| Retained earnings to average equity (ytd only) | 6.4931% | 2,628 |
| Net charge-offs to loans | -0.0475% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5013% | 951 |
| Assets per employee ($millions) | 3.5292% | 4,661 |
| Cash dividends to net income (ytd only)* | 30.6306% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7601% | 951 |
| Loan loss allowance to noncurrent loans | 2,057.4468% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 3,974 |
| Noncurrent loans to loans | 0.0855% | 3,759 |
| Net loans and leases to total assets | 47.7907% | 3,743 |
| Net loans and leases to deposits | 52.2600% | 3,978 |
| Net loans and leases to core deposits | 53.3204% | 4,055 |
| Total domestic deposits to total assets | 91.4481% | 241 |
| Equity capital to assets | 8.4802% | 4,220 |
| Core capital (leverage) ratio | 8.2691% | 4,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7451% | 1,709 |
| Memoranda: | ||
| Average total assets | $113,030,667 | 3,934 |
| Average earning assets | $104,252,333 | 3,929 |
| Average equity | $9,487,000 | 4,264 |
| Average total loans | $54,745,667 | 3,993 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8257% | 2,026 |
| Cost of funding earning assets | 0.3140% | 2,854 |
| Net interest margin | 3.5117% | 1,796 |
| Noninterest income to average assets | 0.1626% | 4,387 |
| Noninterest expense to average assets | 2.4211% | 2,430 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9826% | 2,861 |
| Return on assets (ROA) | 1.0497% | 2,717 |
| Pretax return on assets | 1.0497% | 3,233 |
| Return on Equity (ROE) | 12.4613% | 1,848 |
| Retained earnings to average equity (ytd only) | 9.5663% | 1,775 |
| Net charge-offs to loans | -0.0438% | 4,344 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1319% | 1,595 |
| Assets per employee ($millions) | 3.5230% | 4,682 |
| Cash dividends to net income (ytd only)* | 23.2323% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7238% | 994 |
| Loan loss allowance to noncurrent loans | 3,000.0000% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 4,157 |
| Noncurrent loans to loans | 0.0575% | 3,997 |
| Net loans and leases to total assets | 48.5493% | 3,756 |
| Net loans and leases to deposits | 53.0554% | 3,999 |
| Net loans and leases to core deposits | 54.1322% | 4,089 |
| Total domestic deposits to total assets | 91.5066% | 241 |
| Equity capital to assets | 8.4144% | 4,187 |
| Core capital (leverage) ratio | 8.2981% | 4,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4933% | 1,743 |
| Memoranda: | ||
| Average total assets | $113,170,500 | 3,941 |
| Average earning assets | $104,450,500 | 3,930 |
| Average equity | $9,533,500 | 4,267 |
| Average total loans | $54,740,500 | 4,014 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6382% | 3,724 |
| Cost of funding earning assets | 0.4908% | 3,004 |
| Net interest margin | 3.1474% | 3,502 |
| Noninterest income to average assets | 0.2054% | 4,240 |
| Noninterest expense to average assets | 2.6119% | 2,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4867% | 4,052 |
| Return on assets (ROA) | 0.4867% | 4,137 |
| Pretax return on assets | 0.4867% | 4,293 |
| Return on Equity (ROE) | 5.3118% | 3,811 |
| Retained earnings to average equity (ytd only) | -0.2410% | 4,553 |
| Net charge-offs to loans | 0.2613% | 666 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 3.4726% | 3,081 |
| Efficiency ratio | 84.2937% | 607 |
| Assets per employee ($millions) | 3.4426% | 4,677 |
| Cash dividends to net income (ytd only)* | 104.5365% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7736% | 900 |
| Loan loss allowance to noncurrent loans | 775.6098% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 3,757 |
| Noncurrent loans to loans | 0.2287% | 3,385 |
| Net loans and leases to total assets | 46.5072% | 4,097 |
| Net loans and leases to deposits | 50.8078% | 4,273 |
| Net loans and leases to core deposits | 52.0798% | 4,337 |
| Total domestic deposits to total assets | 91.5357% | 128 |
| Equity capital to assets | 8.4335% | 4,491 |
| Core capital (leverage) ratio | 8.4607% | 4,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6639% | 1,639 |
| Memoranda: | ||
| Average total assets | $104,176,000 | 3,941 |
| Average earning assets | $95,762,000 | 3,950 |
| Average equity | $9,544,800 | 4,241 |
| Average total loans | $55,881,400 | 3,983 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8068% | 3,548 |
| Cost of funding earning assets | 0.5361% | 3,014 |
| Net interest margin | 3.2707% | 3,275 |
| Noninterest income to average assets | 0.2200% | 4,175 |
| Noninterest expense to average assets | 2.6818% | 2,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5382% | 3,931 |
| Return on assets (ROA) | 0.5382% | 4,026 |
| Pretax return on assets | 0.5421% | 4,202 |
| Return on Equity (ROE) | 5.7467% | 3,641 |
| Retained earnings to average equity (ytd only) | -0.7271% | 4,583 |
| Net charge-offs to loans | 0.3593% | 439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 2.7237% | 2,965 |
| Efficiency ratio | 83.1844% | 662 |
| Assets per employee ($millions) | 3.2421% | 4,766 |
| Cash dividends to net income (ytd only)* | 112.6521% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6979% | 900 |
| Loan loss allowance to noncurrent loans | 1,018.2796% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 3,979 |
| Noncurrent loans to loans | 0.1667% | 3,715 |
| Net loans and leases to total assets | 52.8463% | 3,907 |
| Net loans and leases to deposits | 58.3272% | 4,149 |
| Net loans and leases to core deposits | 60.3975% | 4,182 |
| Total domestic deposits to total assets | 90.6032% | 258 |
| Equity capital to assets | 9.2426% | 3,918 |
| Core capital (leverage) ratio | 8.6843% | 4,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8326% | 1,552 |
| Memoranda: | ||
| Average total assets | $101,818,500 | 3,968 |
| Average earning assets | $93,515,750 | 3,977 |
| Average equity | $9,535,750 | 4,261 |
| Average total loans | $56,404,500 | 3,996 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9154% | 3,572 |
| Cost of funding earning assets | 0.5846% | 3,048 |
| Net interest margin | 3.3308% | 3,307 |
| Noninterest income to average assets | 0.1759% | 4,412 |
| Noninterest expense to average assets | 2.6943% | 2,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5278% | 3,938 |
| Return on assets (ROA) | 0.5278% | 4,022 |
| Pretax return on assets | 0.5337% | 4,193 |
| Return on Equity (ROE) | 5.6104% | 3,625 |
| Retained earnings to average equity (ytd only) | 1.9962% | 3,757 |
| Net charge-offs to loans | 0.0106% | 2,571 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 749 |
| Efficiency ratio | 83.4660% | 670 |
| Assets per employee ($millions) | 3.2135% | 4,784 |
| Cash dividends to net income (ytd only)* | 64.4195% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9201% | 511 |
| Loan loss allowance to noncurrent loans | 1,153.6842% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 4,063 |
| Noncurrent loans to loans | 0.1664% | 3,788 |
| Net loans and leases to total assets | 54.4427% | 3,838 |
| Net loans and leases to deposits | 60.2238% | 4,104 |
| Net loans and leases to core deposits | 62.3805% | 4,161 |
| Total domestic deposits to total assets | 90.4008% | 299 |
| Equity capital to assets | 9.5001% | 3,662 |
| Core capital (leverage) ratio | 9.1613% | 3,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1263% | 1,460 |
| Memoranda: | ||
| Average total assets | $101,175,333 | 3,977 |
| Average earning assets | $92,710,000 | 3,988 |
| Average equity | $9,518,000 | 4,276 |
| Average total loans | $56,614,667 | 4,006 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1054% | 3,513 |
| Cost of funding earning assets | 0.6879% | 2,982 |
| Net interest margin | 3.4175% | 3,241 |
| Noninterest income to average assets | 0.1953% | 4,378 |
| Noninterest expense to average assets | 2.8660% | 2,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4265% | 4,073 |
| Return on assets (ROA) | 0.4265% | 4,115 |
| Pretax return on assets | 0.4385% | 4,223 |
| Return on Equity (ROE) | 4.5568% | 3,801 |
| Retained earnings to average equity (ytd only) | 1.3202% | 3,666 |
| Net charge-offs to loans | 0.0213% | 1,942 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 36.6667% | 1,068 |
| Efficiency ratio | 86.7310% | 651 |
| Assets per employee ($millions) | 3.0040% | 4,793 |
| Cash dividends to net income (ytd only)* | 71.0280% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9363% | 565 |
| Loan loss allowance to noncurrent loans | 438.4000% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 3,413 |
| Noncurrent loans to loans | 0.4417% | 2,933 |
| Net loans and leases to total assets | 57.7428% | 3,692 |
| Net loans and leases to deposits | 64.1455% | 3,976 |
| Net loans and leases to core deposits | 66.6103% | 4,043 |
| Total domestic deposits to total assets | 90.0185% | 314 |
| Equity capital to assets | 9.8702% | 3,905 |
| Core capital (leverage) ratio | 9.4273% | 4,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2638% | 1,536 |
| Memoranda: | ||
| Average total assets | $100,347,500 | 3,988 |
| Average earning assets | $91,294,000 | 4,006 |
| Average equity | $9,392,500 | 4,313 |
| Average total loans | $56,382,000 | 4,024 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2139% | 3,781 |
| Cost of funding earning assets | 0.7413% | 2,962 |
| Net interest margin | 3.4726% | 3,527 |
| Noninterest income to average assets | 0.2059% | 4,429 |
| Noninterest expense to average assets | 2.7715% | 2,688 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6350% | 4,056 |
| Return on assets (ROA) | 0.6666% | 4,040 |
| Pretax return on assets | 0.6605% | 4,303 |
| Return on Equity (ROE) | 7.3317% | 3,431 |
| Retained earnings to average equity (ytd only) | 2.5784% | 3,745 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5048% | 829 |
| Assets per employee ($millions) | 3.3731% | 4,593 |
| Cash dividends to net income (ytd only)* | 64.8318% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9569% | 487 |
| Loan loss allowance to noncurrent loans | 109,900.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 4,694 |
| Noncurrent loans to loans | 0.0018% | 4,602 |
| Net loans and leases to total assets | 52.6571% | 4,174 |
| Net loans and leases to deposits | 57.8218% | 4,377 |
| Net loans and leases to core deposits | 59.8428% | 4,449 |
| Total domestic deposits to total assets | 91.0679% | 111 |
| Equity capital to assets | 8.8910% | 4,741 |
| Core capital (leverage) ratio | 9.1684% | 4,382 |
| Tier 1 risk-based capital ratio | 14.4148% | 3,064 |
| Total risk-based capital ratio | 15.6705% | 2,967 |
| Memoranda: | ||
| Average total assets | $98,106,800 | 4,031 |
| Average earning assets | $90,248,800 | 4,041 |
| Average equity | $8,920,200 | 4,383 |
| Average total loans | $57,524,200 | 4,018 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2913% | 3,678 |
| Cost of funding earning assets | 0.7566% | 2,937 |
| Net interest margin | 3.5347% | 3,454 |
| Noninterest income to average assets | 0.2280% | 4,372 |
| Noninterest expense to average assets | 2.8147% | 2,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6734% | 4,097 |
| Return on assets (ROA) | 0.7158% | 4,031 |
| Pretax return on assets | 0.7227% | 4,294 |
| Return on Equity (ROE) | 7.8252% | 3,372 |
| Retained earnings to average equity (ytd only) | 3.1422% | 3,834 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5457% | 869 |
| Assets per employee ($millions) | 3.1405% | 4,802 |
| Cash dividends to net income (ytd only)* | 59.8451% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9138% | 549 |
| Loan loss allowance to noncurrent loans | 109,900.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,777 |
| Noncurrent loans to loans | 0.0017% | 4,691 |
| Net loans and leases to total assets | 59.7850% | 3,694 |
| Net loans and leases to deposits | 66.4445% | 4,032 |
| Net loans and leases to core deposits | 69.7989% | 4,070 |
| Total domestic deposits to total assets | 89.9773% | 291 |
| Equity capital to assets | 9.8327% | 4,178 |
| Core capital (leverage) ratio | 9.6454% | 4,030 |
| Tier 1 risk-based capital ratio | 14.8273% | 2,936 |
| Total risk-based capital ratio | 16.0828% | 2,861 |
| Memoranda: | ||
| Average total assets | $96,491,750 | 4,099 |
| Average earning assets | $89,170,750 | 4,103 |
| Average equity | $8,826,000 | 4,450 |
| Average total loans | $57,865,000 | 4,066 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2500% | 3,792 |
| Cost of funding earning assets | 0.7567% | 2,864 |
| Net interest margin | 3.4933% | 3,619 |
| Noninterest income to average assets | 0.2015% | 4,545 |
| Noninterest expense to average assets | 2.7969% | 2,598 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6176% | 4,260 |
| Return on assets (ROA) | 0.6807% | 4,120 |
| Pretax return on assets | 0.6869% | 4,362 |
| Return on Equity (ROE) | 7.6267% | 3,442 |
| Retained earnings to average equity (ytd only) | 3.9862% | 3,258 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7799% | 818 |
| Assets per employee ($millions) | 3.1179% | 4,830 |
| Cash dividends to net income (ytd only)* | 47.7341% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8694% | 602 |
| Loan loss allowance to noncurrent loans | 1,928.0702% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 4,447 |
| Noncurrent loans to loans | 0.0970% | 4,245 |
| Net loans and leases to total assets | 61.6757% | 3,582 |
| Net loans and leases to deposits | 68.4923% | 3,938 |
| Net loans and leases to core deposits | 71.9234% | 4,008 |
| Total domestic deposits to total assets | 90.0477% | 317 |
| Equity capital to assets | 9.7652% | 4,178 |
| Core capital (leverage) ratio | 9.6460% | 3,983 |
| Tier 1 risk-based capital ratio | 14.6729% | 2,982 |
| Total risk-based capital ratio | 15.9281% | 2,907 |
| Memoranda: | ||
| Average total assets | $97,250,330 | 4,111 |
| Average earning assets | $89,599,000 | 4,124 |
| Average equity | $8,680,000 | 4,485 |
| Average total loans | $58,011,330 | 4,091 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1549% | 3,989 |
| Cost of funding earning assets | 0.7554% | 2,768 |
| Net interest margin | 3.3995% | 3,884 |
| Noninterest income to average assets | 0.1816% | 4,664 |
| Noninterest expense to average assets | 2.7082% | 2,883 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5933% | 4,268 |
| Return on assets (ROA) | 0.5933% | 4,299 |
| Pretax return on assets | 0.5973% | 4,519 |
| Return on Equity (ROE) | 6.9561% | 3,696 |
| Retained earnings to average equity (ytd only) | 3.3598% | 3,574 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9292% | 882 |
| Assets per employee ($millions) | 3.2959% | 4,748 |
| Cash dividends to net income (ytd only)* | 51.7007% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9110% | 585 |
| Loan loss allowance to noncurrent loans | 1,862.7119% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 4,512 |
| Noncurrent loans to loans | 0.1026% | 4,277 |
| Net loans and leases to total assets | 59.0170% | 3,783 |
| Net loans and leases to deposits | 65.0285% | 4,120 |
| Net loans and leases to core deposits | 68.1729% | 4,169 |
| Total domestic deposits to total assets | 90.7555% | 217 |
| Equity capital to assets | 9.1211% | 4,600 |
| Core capital (leverage) ratio | 9.1268% | 4,546 |
| Tier 1 risk-based capital ratio | 14.7181% | 2,990 |
| Total risk-based capital ratio | 15.9736% | 2,928 |
| Memoranda: | ||
| Average total assets | $99,107,500 | 4,120 |
| Average earning assets | $91,073,500 | 4,122 |
| Average equity | $8,453,000 | 4,549 |
| Average total loans | $57,623,000 | 4,140 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9948% | 4,045 |
| Cost of funding earning assets | 0.5840% | 2,827 |
| Net interest margin | 3.4108% | 3,975 |
| Noninterest income to average assets | 0.2314% | 4,525 |
| Noninterest expense to average assets | 2.8396% | 2,549 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5066% | 4,650 |
| Return on assets (ROA) | 0.5066% | 4,651 |
| Pretax return on assets | 0.5168% | 4,775 |
| Return on Equity (ROE) | 6.1236% | 4,137 |
| Retained earnings to average equity (ytd only) | 1.2937% | 4,618 |
| Net charge-offs to loans | 0.0157% | 3,164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 56.3333% | 1,065 |
| Efficiency ratio | 84.6037% | 606 |
| Assets per employee ($millions) | 3.5391% | 4,505 |
| Cash dividends to net income (ytd only)* | 78.8732% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9034% | 571 |
| Loan loss allowance to noncurrent loans | 1,801.6393% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 4,543 |
| Noncurrent loans to loans | 0.1056% | 4,261 |
| Net loans and leases to total assets | 55.1854% | 4,192 |
| Net loans and leases to deposits | 60.0015% | 4,477 |
| Net loans and leases to core deposits | 62.6461% | 4,510 |
| Total domestic deposits to total assets | 91.9734% | 73 |
| Equity capital to assets | 7.9779% | 5,169 |
| Core capital (leverage) ratio | 9.3707% | 4,276 |
| Tier 1 risk-based capital ratio | 14.1378% | 3,223 |
| Total risk-based capital ratio | 15.3932% | 3,157 |
| Memoranda: | ||
| Average total assets | $98,112,600 | 4,125 |
| Average earning assets | $89,891,600 | 4,145 |
| Average equity | $8,116,200 | 4,591 |
| Average total loans | $57,348,000 | 4,158 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 3,963 |
| Cost of funding earning assets | 0.5624% | 2,766 |
| Net interest margin | 3.4255% | 3,931 |
| Noninterest income to average assets | 0.2447% | 4,511 |
| Noninterest expense to average assets | 2.8706% | 2,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5100% | 4,740 |
| Return on assets (ROA) | 0.5100% | 4,740 |
| Pretax return on assets | 0.5224% | 4,870 |
| Return on Equity (ROE) | 6.1081% | 4,236 |
| Retained earnings to average equity (ytd only) | 1.0207% | 4,850 |
| Net charge-offs to loans | 0.0210% | 2,715 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 42.2208% | 1,309 |
| Efficiency ratio | 84.6029% | 613 |
| Assets per employee ($millions) | 3.2352% | 4,849 |
| Cash dividends to net income (ytd only)* | 83.2892% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9124% | 575 |
| Loan loss allowance to noncurrent loans | 1,744.4444% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 4,643 |
| Noncurrent loans to loans | 0.1096% | 4,399 |
| Net loans and leases to total assets | 60.0814% | 3,835 |
| Net loans and leases to deposits | 65.7089% | 4,222 |
| Net loans and leases to core deposits | 69.1356% | 4,240 |
| Total domestic deposits to total assets | 91.4358% | 143 |
| Equity capital to assets | 8.4000% | 4,983 |
| Core capital (leverage) ratio | 9.1841% | 4,532 |
| Tier 1 risk-based capital ratio | 14.5353% | 3,110 |
| Total risk-based capital ratio | 15.7945% | 3,016 |
| Memoranda: | ||
| Average total assets | $96,982,250 | 4,192 |
| Average earning assets | $89,134,500 | 4,203 |
| Average equity | $8,098,250 | 4,637 |
| Average total loans | $57,250,500 | 4,200 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9101% | 4,050 |
| Cost of funding earning assets | 0.5392% | 2,694 |
| Net interest margin | 3.3709% | 4,044 |
| Noninterest income to average assets | 0.2305% | 4,637 |
| Noninterest expense to average assets | 2.8622% | 2,457 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4366% | 4,883 |
| Return on assets (ROA) | 0.4366% | 4,890 |
| Pretax return on assets | 0.4549% | 4,981 |
| Return on Equity (ROE) | 5.2382% | 4,482 |
| Retained earnings to average equity (ytd only) | 1.2973% | 4,689 |
| Net charge-offs to loans | 0.0245% | 2,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 31.8571% | 1,446 |
| Efficiency ratio | 86.2854% | 556 |
| Assets per employee ($millions) | 3.3181% | 4,797 |
| Cash dividends to net income (ytd only)* | 75.2336% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9394% | 582 |
| Loan loss allowance to noncurrent loans | 13,762.5000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 5,010 |
| Noncurrent loans to loans | 0.0141% | 4,882 |
| Net loans and leases to total assets | 57.8534% | 4,004 |
| Net loans and leases to deposits | 63.2183% | 4,337 |
| Net loans and leases to core deposits | 66.2060% | 4,359 |
| Total domestic deposits to total assets | 91.5137% | 150 |
| Equity capital to assets | 8.3325% | 5,059 |
| Core capital (leverage) ratio | 9.3360% | 4,320 |
| Tier 1 risk-based capital ratio | 14.5656% | 3,086 |
| Total risk-based capital ratio | 15.8221% | 3,000 |
| Memoranda: | ||
| Average total assets | $98,036,000 | 4,208 |
| Average earning assets | $89,767,000 | 4,227 |
| Average equity | $8,170,670 | 4,669 |
| Average total loans | $57,178,000 | 4,238 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7813% | 4,273 |
| Cost of funding earning assets | 0.5141% | 2,692 |
| Net interest margin | 3.2673% | 4,269 |
| Noninterest income to average assets | 0.2143% | 4,725 |
| Noninterest expense to average assets | 2.9149% | 2,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3315% | 5,045 |
| Return on assets (ROA) | 0.3315% | 5,050 |
| Pretax return on assets | 0.3315% | 5,121 |
| Return on Equity (ROE) | 3.9772% | 4,766 |
| Retained earnings to average equity (ytd only) | 0.3395% | 4,754 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7883% | 453 |
| Assets per employee ($millions) | 3.3198% | 4,883 |
| Cash dividends to net income (ytd only)* | 91.4634% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9445% | 609 |
| Loan loss allowance to noncurrent loans | 13,850.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 5,090 |
| Noncurrent loans to loans | 0.0140% | 4,933 |
| Net loans and leases to total assets | 58.0354% | 3,936 |
| Net loans and leases to deposits | 63.3898% | 4,244 |
| Net loans and leases to core deposits | 66.4135% | 4,284 |
| Total domestic deposits to total assets | 91.5533% | 179 |
| Equity capital to assets | 8.3512% | 5,077 |
| Core capital (leverage) ratio | 9.0334% | 4,648 |
| Tier 1 risk-based capital ratio | 14.3362% | 3,208 |
| Total risk-based capital ratio | 15.5956% | 3,113 |
| Memoranda: | ||
| Average total assets | $98,941,000 | 4,238 |
| Average earning assets | $91,819,500 | 4,235 |
| Average equity | $8,247,000 | 4,707 |
| Average total loans | $57,381,500 | 4,271 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7328% | 4,263 |
| Cost of funding earning assets | 0.4337% | 2,925 |
| Net interest margin | 3.2991% | 4,166 |
| Noninterest income to average assets | 0.2450% | 4,667 |
| Noninterest expense to average assets | 2.7304% | 3,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5603% | 4,187 |
| Return on assets (ROA) | 0.5682% | 4,186 |
| Pretax return on assets | 0.5774% | 4,791 |
| Return on Equity (ROE) | 6.6268% | 3,465 |
| Retained earnings to average equity (ytd only) | 1.2092% | 4,539 |
| Net charge-offs to loans | 0.0622% | 2,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 15.5556% | 2,238 |
| Efficiency ratio | 82.7480% | 874 |
| Assets per employee ($millions) | 3.6289% | 4,532 |
| Cash dividends to net income (ytd only)* | 81.7531% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9176% | 626 |
| Loan loss allowance to noncurrent loans | 11,080.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 5,120 |
| Noncurrent loans to loans | 0.0173% | 4,948 |
| Net loans and leases to total assets | 55.7771% | 4,212 |
| Net loans and leases to deposits | 60.8626% | 4,509 |
| Net loans and leases to core deposits | 63.2649% | 4,583 |
| Total domestic deposits to total assets | 91.6444% | 117 |
| Equity capital to assets | 8.3202% | 5,247 |
| Core capital (leverage) ratio | 9.1074% | 4,512 |
| Tier 1 risk-based capital ratio | 14.2226% | 3,238 |
| Total risk-based capital ratio | 15.4813% | 3,127 |
| Memoranda: | ||
| Average total assets | $98,374,200 | 4,268 |
| Average earning assets | $91,084,400 | 4,263 |
| Average equity | $8,435,400 | 4,713 |
| Average total loans | $57,834,400 | 4,247 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7349% | 4,227 |
| Cost of funding earning assets | 0.4276% | 2,902 |
| Net interest margin | 3.3073% | 4,150 |
| Noninterest income to average assets | 0.2556% | 4,674 |
| Noninterest expense to average assets | 2.7878% | 2,770 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5250% | 4,664 |
| Return on assets (ROA) | 0.5357% | 4,667 |
| Pretax return on assets | 0.5439% | 4,940 |
| Return on Equity (ROE) | 6.1993% | 4,032 |
| Retained earnings to average equity (ytd only) | 0.6800% | 5,069 |
| Net charge-offs to loans | 0.0876% | 1,920 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 10.2623% | 2,613 |
| Efficiency ratio | 83.9506% | 755 |
| Assets per employee ($millions) | 3.3799% | 4,880 |
| Cash dividends to net income (ytd only)* | 89.0309% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9300% | 662 |
| Loan loss allowance to noncurrent loans | 10,054.5455% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 5,199 |
| Noncurrent loans to loans | 0.0192% | 5,050 |
| Net loans and leases to total assets | 59.3854% | 3,933 |
| Net loans and leases to deposits | 65.4523% | 4,287 |
| Net loans and leases to core deposits | 67.3006% | 4,404 |
| Total domestic deposits to total assets | 90.7308% | 246 |
| Equity capital to assets | 9.1582% | 4,759 |
| Core capital (leverage) ratio | 9.1794% | 4,535 |
| Tier 1 risk-based capital ratio | 14.4262% | 3,225 |
| Total risk-based capital ratio | 15.6867% | 3,131 |
| Memoranda: | ||
| Average total assets | $97,565,750 | 4,319 |
| Average earning assets | $90,423,500 | 4,323 |
| Average equity | $8,430,750 | 4,760 |
| Average total loans | $57,847,500 | 4,289 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6825% | 4,276 |
| Cost of funding earning assets | 0.4233% | 2,866 |
| Net interest margin | 3.2592% | 4,243 |
| Noninterest income to average assets | 0.2375% | 4,819 |
| Noninterest expense to average assets | 2.8191% | 2,682 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4226% | 4,922 |
| Return on assets (ROA) | 0.4384% | 4,897 |
| Pretax return on assets | 0.4506% | 5,084 |
| Return on Equity (ROE) | 5.1724% | 4,404 |
| Retained earnings to average equity (ytd only) | -0.3592% | 5,138 |
| Net charge-offs to loans | 0.1310% | 1,373 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 5.6316% | 2,804 |
| Efficiency ratio | 86.6500% | 641 |
| Assets per employee ($millions) | 3.4706% | 4,763 |
| Cash dividends to net income (ytd only)* | 106.9444% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9212% | 694 |
| Loan loss allowance to noncurrent loans | 8,507.6923% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 5,120 |
| Noncurrent loans to loans | 0.0226% | 5,074 |
| Net loans and leases to total assets | 58.1022% | 4,020 |
| Net loans and leases to deposits | 63.8682% | 4,377 |
| Net loans and leases to core deposits | 65.6146% | 4,495 |
| Total domestic deposits to total assets | 90.9721% | 231 |
| Equity capital to assets | 8.8972% | 4,992 |
| Core capital (leverage) ratio | 8.9515% | 4,774 |
| Tier 1 risk-based capital ratio | 14.1644% | 3,330 |
| Total risk-based capital ratio | 15.4233% | 3,245 |
| Memoranda: | ||
| Average total assets | $98,542,330 | 4,332 |
| Average earning assets | $91,189,000 | 4,322 |
| Average equity | $8,352,000 | 4,791 |
| Average total loans | $58,028,000 | 4,312 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6191% | 4,369 |
| Cost of funding earning assets | 0.4404% | 2,610 |
| Net interest margin | 3.1787% | 4,407 |
| Noninterest income to average assets | 0.2257% | 4,922 |
| Noninterest expense to average assets | 2.9146% | 2,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2320% | 5,343 |
| Return on assets (ROA) | 0.2620% | 5,302 |
| Pretax return on assets | 0.2822% | 5,338 |
| Return on Equity (ROE) | 3.1688% | 5,053 |
| Retained earnings to average equity (ytd only) | -0.4875% | 4,997 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1019% | 449 |
| Assets per employee ($millions) | 3.3533% | 4,990 |
| Cash dividends to net income (ytd only)* | 115.3846% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9659% | 712 |
| Loan loss allowance to noncurrent loans | 9,525.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 5,006 |
| Noncurrent loans to loans | 0.0206% | 5,143 |
| Net loans and leases to total assets | 58.6112% | 3,922 |
| Net loans and leases to deposits | 64.1396% | 4,299 |
| Net loans and leases to core deposits | 67.0853% | 4,346 |
| Total domestic deposits to total assets | 91.3806% | 197 |
| Equity capital to assets | 8.5320% | 5,217 |
| Core capital (leverage) ratio | 8.7359% | 5,016 |
| Tier 1 risk-based capital ratio | 13.9265% | 3,525 |
| Total risk-based capital ratio | 15.1862% | 3,429 |
| Memoranda: | ||
| Average total assets | $99,225,000 | 4,363 |
| Average earning assets | $91,736,000 | 4,355 |
| Average equity | $8,205,000 | 4,858 |
| Average total loans | $58,258,000 | 4,338 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5899% | 4,535 |
| Cost of funding earning assets | 0.3942% | 3,051 |
| Net interest margin | 3.1957% | 4,465 |
| Noninterest income to average assets | 0.2409% | 4,985 |
| Noninterest expense to average assets | 2.7131% | 3,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5428% | 4,464 |
| Return on assets (ROA) | 0.6578% | 4,082 |
| Pretax return on assets | 0.6578% | 4,627 |
| Return on Equity (ROE) | 7.6812% | 3,128 |
| Retained earnings to average equity (ytd only) | 1.2491% | 4,785 |
| Net charge-offs to loans | 0.0117% | 3,879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 77.5714% | 728 |
| Efficiency ratio | 83.3282% | 1,072 |
| Assets per employee ($millions) | 3.3735% | 4,940 |
| Cash dividends to net income (ytd only)* | 83.7386% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9597% | 714 |
| Loan loss allowance to noncurrent loans | 1,230.1075% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0919% | 4,961 |
| Noncurrent loans to loans | 0.1593% | 4,597 |
| Net loans and leases to total assets | 56.5511% | 4,212 |
| Net loans and leases to deposits | 61.5021% | 4,578 |
| Net loans and leases to core deposits | 64.1895% | 4,624 |
| Total domestic deposits to total assets | 91.9499% | 105 |
| Equity capital to assets | 8.0165% | 5,558 |
| Core capital (leverage) ratio | 8.8285% | 4,932 |
| Tier 1 risk-based capital ratio | 13.7314% | 3,623 |
| Total risk-based capital ratio | 14.9878% | 3,525 |
| Memoranda: | ||
| Average total assets | $100,031,400 | 4,348 |
| Average earning assets | $94,375,400 | 4,299 |
| Average equity | $8,566,400 | 4,828 |
| Average total loans | $59,794,400 | 4,304 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6211% | 4,489 |
| Cost of funding earning assets | 0.3827% | 3,202 |
| Net interest margin | 3.2384% | 4,380 |
| Noninterest income to average assets | 0.2527% | 4,954 |
| Noninterest expense to average assets | 2.7565% | 3,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5615% | 4,450 |
| Return on assets (ROA) | 0.7152% | 3,906 |
| Pretax return on assets | 0.7152% | 4,570 |
| Return on Equity (ROE) | 8.2182% | 2,897 |
| Retained earnings to average equity (ytd only) | 1.2749% | 5,000 |
| Net charge-offs to loans | 0.0155% | 3,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 60.0204% | 957 |
| Efficiency ratio | 83.0782% | 1,065 |
| Assets per employee ($millions) | 3.2373% | 5,124 |
| Cash dividends to net income (ytd only)* | 84.4852% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8345% | 947 |
| Loan loss allowance to noncurrent loans | 1,230.1075% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 5,058 |
| Noncurrent loans to loans | 0.1491% | 4,747 |
| Net loans and leases to total assets | 63.0323% | 3,519 |
| Net loans and leases to deposits | 69.4070% | 4,036 |
| Net loans and leases to core deposits | 73.0714% | 4,078 |
| Total domestic deposits to total assets | 90.8155% | 235 |
| Equity capital to assets | 9.0476% | 5,128 |
| Core capital (leverage) ratio | 9.0292% | 4,802 |
| Tier 1 risk-based capital ratio | 13.2181% | 4,024 |
| Total risk-based capital ratio | 14.4739% | 3,932 |
| Memoranda: | ||
| Average total assets | $99,738,250 | 4,385 |
| Average earning assets | $94,406,250 | 4,339 |
| Average equity | $8,679,750 | 4,858 |
| Average total loans | $60,149,000 | 4,320 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5999% | 4,589 |
| Cost of funding earning assets | 0.3844% | 3,215 |
| Net interest margin | 3.2155% | 4,494 |
| Noninterest income to average assets | 0.2465% | 5,004 |
| Noninterest expense to average assets | 2.7035% | 3,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5924% | 4,308 |
| Return on assets (ROA) | 0.6401% | 4,237 |
| Pretax return on assets | 0.6341% | 4,806 |
| Return on Equity (ROE) | 7.4503% | 3,292 |
| Retained earnings to average equity (ytd only) | 0.3471% | 5,197 |
| Net charge-offs to loans | 0.0236% | 3,018 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 42.1429% | 1,120 |
| Efficiency ratio | 82.1752% | 1,248 |
| Assets per employee ($millions) | 3.2156% | 5,184 |
| Cash dividends to net income (ytd only)* | 95.3416% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9285% | 852 |
| Loan loss allowance to noncurrent loans | 12,711.1111% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 5,588 |
| Noncurrent loans to loans | 0.0152% | 5,422 |
| Net loans and leases to total assets | 60.3066% | 3,846 |
| Net loans and leases to deposits | 66.4709% | 4,309 |
| Net loans and leases to core deposits | 70.0173% | 4,323 |
| Total domestic deposits to total assets | 90.7264% | 253 |
| Equity capital to assets | 9.1430% | 5,123 |
| Core capital (leverage) ratio | 8.8873% | 4,953 |
| Tier 1 risk-based capital ratio | 13.7714% | 3,737 |
| Total risk-based capital ratio | 15.0256% | 3,653 |
| Memoranda: | ||
| Average total assets | $100,611,000 | 4,415 |
| Average earning assets | $95,225,330 | 4,357 |
| Average equity | $8,644,000 | 4,899 |
| Average total loans | $59,411,670 | 4,371 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5885% | 4,651 |
| Cost of funding earning assets | 0.3996% | 3,069 |
| Net interest margin | 3.1889% | 4,618 |
| Noninterest income to average assets | 0.2376% | 5,042 |
| Noninterest expense to average assets | 2.6840% | 3,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5882% | 4,235 |
| Return on assets (ROA) | 0.6505% | 4,094 |
| Pretax return on assets | 0.6311% | 4,727 |
| Return on Equity (ROE) | 7.8074% | 3,028 |
| Retained earnings to average equity (ytd only) | 3.9738% | 3,507 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5150% | 1,325 |
| Assets per employee ($millions) | 3.2512% | 5,197 |
| Cash dividends to net income (ytd only)* | 49.1018% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9613% | 878 |
| Loan loss allowance to noncurrent loans | 11,510.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 5,632 |
| Noncurrent loans to loans | 0.0170% | 5,441 |
| Net loans and leases to total assets | 58.9885% | 3,921 |
| Net loans and leases to deposits | 65.7175% | 4,283 |
| Net loans and leases to core deposits | 67.9545% | 4,406 |
| Total domestic deposits to total assets | 89.7607% | 706 |
| Equity capital to assets | 8.9106% | 5,255 |
| Core capital (leverage) ratio | 8.4472% | 5,443 |
| Tier 1 risk-based capital ratio | 13.7271% | 3,849 |
| Total risk-based capital ratio | 14.9849% | 3,783 |
| Memoranda: | ||
| Average total assets | $102,683,000 | 4,413 |
| Average earning assets | $97,088,000 | 4,358 |
| Average equity | $8,556,000 | 4,942 |
| Average total loans | $59,457,500 | 4,389 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5098% | 4,893 |
| Cost of funding earning assets | 0.4359% | 2,775 |
| Net interest margin | 3.0738% | 4,965 |
| Noninterest income to average assets | 0.2020% | 5,383 |
| Noninterest expense to average assets | 2.5384% | 4,110 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5916% | 4,315 |
| Return on assets (ROA) | 0.6108% | 4,313 |
| Pretax return on assets | 0.6060% | 4,822 |
| Return on Equity (ROE) | 7.5428% | 3,226 |
| Retained earnings to average equity (ytd only) | 2.3757% | 4,365 |
| Net charge-offs to loans | 0.0065% | 4,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 152.5000% | 417 |
| Efficiency ratio | 81.2250% | 1,505 |
| Assets per employee ($millions) | 3.7183% | 4,446 |
| Cash dividends to net income (ytd only)* | 68.5039% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9110% | 935 |
| Loan loss allowance to noncurrent loans | 11,510.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 5,673 |
| Noncurrent loans to loans | 0.0166% | 5,459 |
| Net loans and leases to total assets | 54.7881% | 4,420 |
| Net loans and leases to deposits | 59.4526% | 4,809 |
| Net loans and leases to core deposits | 61.2264% | 4,914 |
| Total domestic deposits to total assets | 92.1543% | 99 |
| Equity capital to assets | 7.8095% | 5,917 |
| Core capital (leverage) ratio | 8.5672% | 5,358 |
| Tier 1 risk-based capital ratio | 12.9906% | 4,326 |
| Total risk-based capital ratio | 14.2458% | 4,232 |
| Memoranda: | ||
| Average total assets | $103,963,400 | 4,382 |
| Average earning assets | $98,867,400 | 4,318 |
| Average equity | $8,418,600 | 4,975 |
| Average total loans | $61,623,600 | 4,332 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5308% | 4,908 |
| Cost of funding earning assets | 0.4398% | 2,798 |
| Net interest margin | 3.0910% | 4,986 |
| Noninterest income to average assets | 0.2395% | 5,219 |
| Noninterest expense to average assets | 2.5463% | 4,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6563% | 4,096 |
| Return on assets (ROA) | 0.6628% | 4,174 |
| Pretax return on assets | 0.6563% | 4,813 |
| Return on Equity (ROE) | 8.1094% | 3,019 |
| Retained earnings to average equity (ytd only) | 3.6429% | 3,876 |
| Net charge-offs to loans | 0.0021% | 4,106 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 503.2481% | 141 |
| Efficiency ratio | 79.6679% | 1,709 |
| Assets per employee ($millions) | 3.4746% | 4,843 |
| Cash dividends to net income (ytd only)* | 55.0780% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9341% | 1,005 |
| Loan loss allowance to noncurrent loans | 5,245.4545% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 5,707 |
| Noncurrent loans to loans | 0.0369% | 5,472 |
| Net loans and leases to total assets | 58.0679% | 4,132 |
| Net loans and leases to deposits | 63.8188% | 4,575 |
| Net loans and leases to core deposits | 67.8727% | 4,552 |
| Total domestic deposits to total assets | 90.9888% | 246 |
| Equity capital to assets | 8.4972% | 5,713 |
| Core capital (leverage) ratio | 8.5126% | 5,545 |
| Tier 1 risk-based capital ratio | 13.3259% | 4,235 |
| Total risk-based capital ratio | 14.5827% | 4,152 |
| Memoranda: | ||
| Average total assets | $102,996,750 | 4,450 |
| Average earning assets | $98,520,500 | 4,373 |
| Average equity | $8,418,000 | 5,038 |
| Average total loans | $61,972,250 | 4,365 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4925% | 5,004 |
| Cost of funding earning assets | 0.4441% | 2,791 |
| Net interest margin | 3.0484% | 5,096 |
| Noninterest income to average assets | 0.2294% | 5,320 |
| Noninterest expense to average assets | 2.4735% | 4,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6940% | 3,917 |
| Return on assets (ROA) | 0.7037% | 3,994 |
| Pretax return on assets | 0.6902% | 4,685 |
| Return on Equity (ROE) | 8.7216% | 2,691 |
| Retained earnings to average equity (ytd only) | 4.2533% | 3,321 |
| Net charge-offs to loans | 0.0064% | 3,677 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 176.5000% | 378 |
| Efficiency ratio | 78.4230% | 2,003 |
| Assets per employee ($millions) | 3.4567% | 4,878 |
| Cash dividends to net income (ytd only)* | 51.2329% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8459% | 1,282 |
| Loan loss allowance to noncurrent loans | 1,254.3478% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 5,501 |
| Noncurrent loans to loans | 0.1472% | 5,161 |
| Net loans and leases to total assets | 61.2133% | 3,665 |
| Net loans and leases to deposits | 67.1158% | 4,215 |
| Net loans and leases to core deposits | 72.0228% | 4,132 |
| Total domestic deposits to total assets | 91.2054% | 253 |
| Equity capital to assets | 8.2849% | 5,841 |
| Core capital (leverage) ratio | 8.3948% | 5,644 |
| Tier 1 risk-based capital ratio | 13.0899% | 4,466 |
| Total risk-based capital ratio | 14.3458% | 4,378 |
| Memoranda: | ||
| Average total assets | $103,741,330 | 4,473 |
| Average earning assets | $99,528,330 | 4,379 |
| Average equity | $8,370,000 | 5,081 |
| Average total loans | $62,741,330 | 4,381 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4570% | 5,071 |
| Cost of funding earning assets | 0.4593% | 2,685 |
| Net interest margin | 2.9976% | 5,222 |
| Noninterest income to average assets | 0.2085% | 5,462 |
| Noninterest expense to average assets | 2.4343% | 4,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6749% | 3,921 |
| Return on assets (ROA) | 0.6749% | 4,040 |
| Pretax return on assets | 0.6446% | 4,783 |
| Return on Equity (ROE) | 8.4737% | 2,710 |
| Retained earnings to average equity (ytd only) | 7.9976% | 1,573 |
| Net charge-offs to loans | -0.0064% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0640% | 2,024 |
| Assets per employee ($millions) | 3.4413% | 5,013 |
| Cash dividends to net income (ytd only)* | 5.6180% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8987% | 1,288 |
| Loan loss allowance to noncurrent loans | 1,111.5385% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 5,549 |
| Noncurrent loans to loans | 0.1708% | 5,158 |
| Net loans and leases to total assets | 57.8545% | 3,964 |
| Net loans and leases to deposits | 63.4079% | 4,438 |
| Net loans and leases to core deposits | 67.8924% | 4,336 |
| Total domestic deposits to total assets | 91.2418% | 285 |
| Equity capital to assets | 8.3088% | 5,863 |
| Core capital (leverage) ratio | 8.1716% | 5,835 |
| Tier 1 risk-based capital ratio | 13.2641% | 4,458 |
| Total risk-based capital ratio | 14.5209% | 4,366 |
| Memoranda: | ||
| Average total assets | $105,490,500 | 4,468 |
| Average earning assets | $101,013,500 | 4,369 |
| Average equity | $8,402,500 | 5,112 |
| Average total loans | $62,854,000 | 4,401 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7261% | 4,713 |
| Cost of funding earning assets | 0.4728% | 2,954 |
| Net interest margin | 3.2533% | 4,739 |
| Noninterest income to average assets | 0.2442% | 5,377 |
| Noninterest expense to average assets | 2.4546% | 4,690 |
| Loan and lease loss provision to assets | 0.0099% | 4,429 |
| Net operating income to assets | 0.8635% | 3,047 |
| Return on assets (ROA) | 0.8665% | 3,133 |
| Pretax return on assets | 0.8695% | 4,002 |
| Return on Equity (ROE) | 10.3348% | 1,972 |
| Retained earnings to average equity (ytd only) | -11.5660% | 6,341 |
| Net charge-offs to loans | -0.2395% | 6,291 |
| Credit loss provision to net charge-offs | -6.3694% | 5,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6889% | 2,881 |
| Assets per employee ($millions) | 3.5914% | 4,734 |
| Cash dividends to net income (ytd only)* | 211.9129% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7818% | 1,572 |
| Loan loss allowance to noncurrent loans | 7,218.7500% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 5,992 |
| Noncurrent loans to loans | 0.0247% | 5,790 |
| Net loans and leases to total assets | 59.0936% | 3,909 |
| Net loans and leases to deposits | 64.2631% | 4,498 |
| Net loans and leases to core deposits | 68.5642% | 4,445 |
| Total domestic deposits to total assets | 91.9557% | 153 |
| Equity capital to assets | 7.6359% | 6,195 |
| Core capital (leverage) ratio | 8.5521% | 5,497 |
| Tier 1 risk-based capital ratio | 12.3931% | 5,094 |
| Total risk-based capital ratio | 13.6490% | 5,013 |
| Memoranda: | ||
| Average total assets | $100,751,600 | 4,583 |
| Average earning assets | $95,596,600 | 4,517 |
| Average equity | $8,447,200 | 5,097 |
| Average total loans | $65,559,400 | 4,316 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7972% | 4,555 |
| Cost of funding earning assets | 0.4777% | 2,979 |
| Net interest margin | 3.3195% | 4,538 |
| Noninterest income to average assets | 0.2640% | 5,324 |
| Noninterest expense to average assets | 2.4941% | 4,550 |
| Loan and lease loss provision to assets | 0.0135% | 4,149 |
| Net operating income to assets | 0.9010% | 2,911 |
| Return on assets (ROA) | 0.9050% | 2,985 |
| Pretax return on assets | 0.9050% | 3,960 |
| Return on Equity (ROE) | 10.5382% | 1,975 |
| Retained earnings to average equity (ytd only) | -17.4537% | 6,470 |
| Net charge-offs to loans | -0.3184% | 6,405 |
| Credit loss provision to net charge-offs | -6.3694% | 5,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1727% | 2,963 |
| Assets per employee ($millions) | 3.1044% | 5,582 |
| Cash dividends to net income (ytd only)* | 265.6242% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7890% | 1,719 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 65.9438% | 2,881 |
| Net loans and leases to deposits | 73.8159% | 3,455 |
| Net loans and leases to core deposits | 78.9444% | 3,446 |
| Total domestic deposits to total assets | 89.3355% | 1,057 |
| Equity capital to assets | 8.2350% | 5,991 |
| Core capital (leverage) ratio | 8.5112% | 5,647 |
| Tier 1 risk-based capital ratio | 12.4045% | 5,222 |
| Total risk-based capital ratio | 13.6612% | 5,150 |
| Memoranda: | ||
| Average total assets | $99,004,250 | 4,667 |
| Average earning assets | $93,786,750 | 4,602 |
| Average equity | $8,502,250 | 5,131 |
| Average total loans | $65,743,500 | 4,341 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7421% | 4,723 |
| Cost of funding earning assets | 0.4794% | 3,031 |
| Net interest margin | 3.2627% | 4,725 |
| Noninterest income to average assets | 0.2522% | 5,393 |
| Noninterest expense to average assets | 2.4338% | 4,787 |
| Loan and lease loss provision to assets | 0.0200% | 3,875 |
| Net operating income to assets | 0.8947% | 2,841 |
| Return on assets (ROA) | 0.8947% | 2,935 |
| Pretax return on assets | 0.8906% | 3,921 |
| Return on Equity (ROE) | 10.2822% | 2,020 |
| Retained earnings to average equity (ytd only) | -29.3513% | 6,587 |
| Net charge-offs to loans | -0.0121% | 5,373 |
| Credit loss provision to net charge-offs | -250.0000% | 5,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7708% | 3,198 |
| Assets per employee ($millions) | 3.2711% | 5,305 |
| Cash dividends to net income (ytd only)* | 385.4586% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 2,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 5,791 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 67.5950% | 2,487 |
| Net loans and leases to deposits | 74.7911% | 3,225 |
| Net loans and leases to core deposits | 79.5608% | 3,260 |
| Total domestic deposits to total assets | 90.3784% | 629 |
| Equity capital to assets | 8.0350% | 6,136 |
| Core capital (leverage) ratio | 8.2182% | 5,910 |
| Tier 1 risk-based capital ratio | 11.8573% | 5,619 |
| Total risk-based capital ratio | 13.1096% | 5,544 |
| Memoranda: | ||
| Average total assets | $99,927,330 | 4,685 |
| Average earning assets | $94,706,000 | 4,623 |
| Average equity | $8,694,670 | 5,109 |
| Average total loans | $66,119,000 | 4,348 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7026% | 4,839 |
| Cost of funding earning assets | 0.4791% | 3,120 |
| Net interest margin | 3.2235% | 4,846 |
| Noninterest income to average assets | 0.2460% | 5,392 |
| Noninterest expense to average assets | 2.3685% | 5,013 |
| Loan and lease loss provision to assets | 0.0397% | 3,286 |
| Net operating income to assets | 0.8966% | 2,674 |
| Return on assets (ROA) | 0.8966% | 2,734 |
| Pretax return on assets | 0.8807% | 3,775 |
| Return on Equity (ROE) | 9.9346% | 2,063 |
| Retained earnings to average equity (ytd only) | 7.1213% | 1,972 |
| Net charge-offs to loans | -0.0122% | 5,126 |
| Credit loss provision to net charge-offs | -500.0000% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0145% | 3,487 |
| Assets per employee ($millions) | 3.3157% | 5,318 |
| Cash dividends to net income (ytd only)* | 28.3186% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 2,872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 5,887 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 63.3276% | 3,009 |
| Net loans and leases to deposits | 70.1915% | 3,578 |
| Net loans and leases to core deposits | 74.8390% | 3,551 |
| Total domestic deposits to total assets | 90.2212% | 953 |
| Equity capital to assets | 9.2450% | 4,820 |
| Core capital (leverage) ratio | 9.6098% | 4,118 |
| Tier 1 risk-based capital ratio | 14.7488% | 3,855 |
| Total risk-based capital ratio | 16.0018% | 3,799 |
| Memoranda: | ||
| Average total assets | $100,824,500 | 4,717 |
| Average earning assets | $95,177,000 | 4,652 |
| Average equity | $9,099,500 | 5,024 |
| Average total loans | $65,511,000 | 4,409 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8324% | 4,682 |
| Cost of funding earning assets | 0.5643% | 2,982 |
| Net interest margin | 3.2681% | 4,782 |
| Noninterest income to average assets | 0.1877% | 5,962 |
| Noninterest expense to average assets | 2.4627% | 4,884 |
| Loan and lease loss provision to assets | 0.0954% | 3,216 |
| Net operating income to assets | 0.7359% | 3,627 |
| Return on assets (ROA) | 0.7359% | 3,707 |
| Pretax return on assets | 0.7289% | 4,423 |
| Return on Equity (ROE) | 8.1066% | 2,982 |
| Retained earnings to average equity (ytd only) | 4.6782% | 2,827 |
| Net charge-offs to loans | 0.1677% | 3,141 |
| Credit loss provision to net charge-offs | 87.9630% | 2,824 |
| Earnings coverage of net charge-offs (x) | 7.6019% | 2,806 |
| Efficiency ratio | 74.7709% | 3,000 |
| Assets per employee ($millions) | 3.2961% | 5,302 |
| Cash dividends to net income (ytd only)* | 42.2920% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4740% | 3,317 |
| Loan loss allowance to noncurrent loans | 837.2881% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 5,582 |
| Noncurrent loans to loans | 0.1760% | 5,673 |
| Net loans and leases to total assets | 64.6336% | 2,935 |
| Net loans and leases to deposits | 71.2396% | 3,622 |
| Net loans and leases to core deposits | 76.0161% | 3,608 |
| Total domestic deposits to total assets | 90.7271% | 696 |
| Equity capital to assets | 8.8110% | 5,244 |
| Core capital (leverage) ratio | 9.5605% | 4,173 |
| Tier 1 risk-based capital ratio | 14.0413% | 4,269 |
| Total risk-based capital ratio | 15.2943% | 4,207 |
| Memoranda: | ||
| Average total assets | $99,604,600 | 4,748 |
| Average earning assets | $94,458,200 | 4,669 |
| Average equity | $9,042,000 | 5,070 |
| Average total loans | $64,387,600 | 4,470 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8346% | 4,721 |
| Cost of funding earning assets | 0.5767% | 3,027 |
| Net interest margin | 3.2578% | 4,802 |
| Noninterest income to average assets | 0.2587% | 5,593 |
| Noninterest expense to average assets | 2.5060% | 4,701 |
| Loan and lease loss provision to assets | 0.0202% | 4,592 |
| Net operating income to assets | 0.8448% | 3,127 |
| Return on assets (ROA) | 0.8448% | 3,243 |
| Pretax return on assets | 0.8299% | 4,185 |
| Return on Equity (ROE) | 9.2356% | 2,520 |
| Retained earnings to average equity (ytd only) | 5.9066% | 2,474 |
| Net charge-offs to loans | -0.0439% | 6,273 |
| Credit loss provision to net charge-offs | -71.4286% | 5,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5082% | 2,983 |
| Assets per employee ($millions) | 3.0967% | 5,681 |
| Cash dividends to net income (ytd only)* | 36.0451% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 3,334 |
| Loan loss allowance to noncurrent loans | 408.2677% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.4542% | 5,063 |
| Noncurrent loans to loans | 0.3749% | 5,275 |
| Net loans and leases to total assets | 69.5038% | 2,046 |
| Net loans and leases to deposits | 78.1556% | 2,644 |
| Net loans and leases to core deposits | 83.8724% | 2,668 |
| Total domestic deposits to total assets | 88.9301% | 1,595 |
| Equity capital to assets | 9.3241% | 4,769 |
| Core capital (leverage) ratio | 9.6438% | 4,178 |
| Tier 1 risk-based capital ratio | 13.8624% | 4,526 |
| Total risk-based capital ratio | 15.1160% | 4,481 |
| Memoranda: | ||
| Average total assets | $98,961,000 | 4,808 |
| Average earning assets | $94,089,500 | 4,729 |
| Average equity | $9,051,750 | 5,125 |
| Average total loans | $63,727,000 | 4,535 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7721% | 4,918 |
| Cost of funding earning assets | 0.5949% | 2,985 |
| Net interest margin | 3.1772% | 5,024 |
| Noninterest income to average assets | 0.2401% | 5,732 |
| Noninterest expense to average assets | 2.4833% | 4,795 |
| Loan and lease loss provision to assets | 0.0300% | 4,330 |
| Net operating income to assets | 0.7704% | 3,464 |
| Return on assets (ROA) | 0.7704% | 3,622 |
| Pretax return on assets | 0.7404% | 4,537 |
| Return on Equity (ROE) | 8.4752% | 2,860 |
| Retained earnings to average equity (ytd only) | 5.0191% | 3,045 |
| Net charge-offs to loans | -0.0096% | 5,759 |
| Credit loss provision to net charge-offs | -500.0000% | 5,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1993% | 2,752 |
| Assets per employee ($millions) | 3.0907% | 5,700 |
| Cash dividends to net income (ytd only)* | 40.7792% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5913% | 3,182 |
| Loan loss allowance to noncurrent loans | 738.4058% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.3340% | 5,477 |
| Noncurrent loans to loans | 0.2155% | 5,764 |
| Net loans and leases to total assets | 65.7687% | 2,625 |
| Net loans and leases to deposits | 73.6699% | 3,204 |
| Net loans and leases to core deposits | 77.9242% | 3,301 |
| Total domestic deposits to total assets | 89.2749% | 1,466 |
| Equity capital to assets | 9.3338% | 4,807 |
| Core capital (leverage) ratio | 9.3968% | 4,393 |
| Tier 1 risk-based capital ratio | 14.1607% | 4,315 |
| Total risk-based capital ratio | 15.4146% | 4,272 |
| Memoranda: | ||
| Average total assets | $99,948,330 | 4,816 |
| Average earning assets | $94,800,670 | 4,733 |
| Average equity | $9,085,330 | 5,152 |
| Average total loans | $62,382,670 | 4,589 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7277% | 5,065 |
| Cost of funding earning assets | 0.6192% | 2,929 |
| Net interest margin | 3.1085% | 5,229 |
| Noninterest income to average assets | 0.1882% | 6,128 |
| Noninterest expense to average assets | 2.4153% | 5,076 |
| Loan and lease loss provision to assets | 0.0588% | 3,653 |
| Net operating income to assets | 0.7175% | 3,608 |
| Return on assets (ROA) | 0.7175% | 3,743 |
| Pretax return on assets | 0.6470% | 4,784 |
| Return on Equity (ROE) | 7.9943% | 2,976 |
| Retained earnings to average equity (ytd only) | 4.8053% | 3,352 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2613% | 2,725 |
| Assets per employee ($millions) | 3.2046% | 5,615 |
| Cash dividends to net income (ytd only)* | 39.8907% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6452% | 3,216 |
| Loan loss allowance to noncurrent loans | 227.8027% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.6321% | 4,798 |
| Noncurrent loans to loans | 0.7222% | 4,685 |
| Net loans and leases to total assets | 61.1421% | 3,232 |
| Net loans and leases to deposits | 68.4020% | 3,724 |
| Net loans and leases to core deposits | 72.1338% | 3,803 |
| Total domestic deposits to total assets | 89.3864% | 1,429 |
| Equity capital to assets | 9.2728% | 5,171 |
| Core capital (leverage) ratio | 8.9815% | 4,920 |
| Tier 1 risk-based capital ratio | 14.0849% | 4,440 |
| Total risk-based capital ratio | 15.3389% | 4,397 |
| Memoranda: | ||
| Average total assets | $102,016,000 | 4,809 |
| Average earning assets | $96,252,000 | 4,733 |
| Average equity | $9,156,500 | 5,195 |
| Average total loans | $61,557,000 | 4,647 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 4,966 |
| Cost of funding earning assets | 0.7911% | 2,739 |
| Net interest margin | 3.3044% | 5,233 |
| Noninterest income to average assets | 0.1661% | 6,202 |
| Noninterest expense to average assets | 2.3722% | 5,485 |
| Loan and lease loss provision to assets | 0.1037% | 4,346 |
| Net operating income to assets | 0.7008% | 3,736 |
| Return on assets (ROA) | 0.7008% | 3,988 |
| Pretax return on assets | 0.7350% | 4,540 |
| Return on Equity (ROE) | 7.6859% | 3,245 |
| Retained earnings to average equity (ytd only) | 3.1583% | 4,008 |
| Net charge-offs to loans | 0.2454% | 3,470 |
| Credit loss provision to net charge-offs | 70.0680% | 4,161 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,980 |
| Efficiency ratio | 73.7222% | 3,110 |
| Assets per employee ($millions) | 3.3770% | 5,268 |
| Cash dividends to net income (ytd only)* | 58.9080% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6314% | 3,178 |
| Loan loss allowance to noncurrent loans | 2,944.1176% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 6,045 |
| Noncurrent loans to loans | 0.0554% | 6,356 |
| Net loans and leases to total assets | 57.6532% | 4,035 |
| Net loans and leases to deposits | 64.0185% | 4,529 |
| Net loans and leases to core deposits | 67.0988% | 4,633 |
| Total domestic deposits to total assets | 90.0571% | 919 |
| Equity capital to assets | 8.6935% | 5,853 |
| Core capital (leverage) ratio | 9.1718% | 4,626 |
| Tier 1 risk-based capital ratio | 14.0522% | 4,347 |
| Total risk-based capital ratio | 15.3064% | 4,301 |
| Memoranda: | ||
| Average total assets | $99,319,000 | 4,849 |
| Average earning assets | $91,515,400 | 4,824 |
| Average equity | $9,055,600 | 5,208 |
| Average total loans | $59,906,800 | 4,716 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1940% | 4,839 |
| Cost of funding earning assets | 0.8341% | 2,677 |
| Net interest margin | 3.3599% | 5,182 |
| Noninterest income to average assets | 0.2313% | 5,889 |
| Noninterest expense to average assets | 2.4046% | 5,383 |
| Loan and lease loss provision to assets | 0.1293% | 3,939 |
| Net operating income to assets | 0.7430% | 3,724 |
| Return on assets (ROA) | 0.7430% | 3,972 |
| Pretax return on assets | 0.7838% | 4,550 |
| Return on Equity (ROE) | 8.0491% | 3,268 |
| Retained earnings to average equity (ytd only) | 6.4275% | 2,414 |
| Net charge-offs to loans | 0.3516% | 2,697 |
| Credit loss provision to net charge-offs | 60.5096% | 4,137 |
| Earnings coverage of net charge-offs (x) | 4.2738% | 3,355 |
| Efficiency ratio | 72.3134% | 3,264 |
| Assets per employee ($millions) | 3.0769% | 5,908 |
| Cash dividends to net income (ytd only)* | 20.1462% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5809% | 3,597 |
| Loan loss allowance to noncurrent loans | 5,782.3529% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 5,763 |
| Noncurrent loans to loans | 0.0273% | 6,560 |
| Net loans and leases to total assets | 64.1582% | 3,002 |
| Net loans and leases to deposits | 72.3297% | 3,560 |
| Net loans and leases to core deposits | 75.6683% | 3,769 |
| Total domestic deposits to total assets | 88.7024% | 1,595 |
| Equity capital to assets | 9.7669% | 4,824 |
| Core capital (leverage) ratio | 9.6137% | 4,099 |
| Tier 1 risk-based capital ratio | 14.1938% | 4,384 |
| Total risk-based capital ratio | 15.4478% | 4,353 |
| Memoranda: | ||
| Average total assets | $97,976,750 | 4,931 |
| Average earning assets | $90,000,000 | 4,913 |
| Average equity | $9,044,250 | 5,258 |
| Average total loans | $59,544,250 | 4,781 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1456% | 5,144 |
| Cost of funding earning assets | 0.8819% | 2,544 |
| Net interest margin | 3.2637% | 5,553 |
| Noninterest income to average assets | 0.1963% | 6,158 |
| Noninterest expense to average assets | 2.3452% | 5,627 |
| Loan and lease loss provision to assets | 0.1012% | 4,263 |
| Net operating income to assets | 0.7042% | 3,846 |
| Return on assets (ROA) | 0.7042% | 4,109 |
| Pretax return on assets | 0.7527% | 4,640 |
| Return on Equity (ROE) | 7.7733% | 3,361 |
| Retained earnings to average equity (ytd only) | 5.8747% | 2,781 |
| Net charge-offs to loans | -0.0511% | 6,668 |
| Credit loss provision to net charge-offs | -333.3333% | 6,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1183% | 3,222 |
| Assets per employee ($millions) | 3.0325% | 6,000 |
| Cash dividends to net income (ytd only)* | 24.4253% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8481% | 2,708 |
| Loan loss allowance to noncurrent loans | 3,083.3333% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.4202% | 5,734 |
| Noncurrent loans to loans | 0.0599% | 6,525 |
| Net loans and leases to total assets | 62.7096% | 3,284 |
| Net loans and leases to deposits | 70.6672% | 3,799 |
| Net loans and leases to core deposits | 74.2141% | 3,999 |
| Total domestic deposits to total assets | 88.7393% | 1,678 |
| Equity capital to assets | 9.7449% | 4,699 |
| Core capital (leverage) ratio | 9.1522% | 4,684 |
| Tier 1 risk-based capital ratio | 14.4432% | 4,142 |
| Total risk-based capital ratio | 15.7001% | 4,104 |
| Memoranda: | ||
| Average total assets | $98,841,330 | 4,927 |
| Average earning assets | $90,939,000 | 4,901 |
| Average equity | $8,953,670 | 5,281 |
| Average total loans | $58,666,000 | 4,842 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0512% | 5,601 |
| Cost of funding earning assets | 0.9184% | 2,533 |
| Net interest margin | 3.1328% | 5,949 |
| Noninterest income to average assets | 0.1659% | 6,392 |
| Noninterest expense to average assets | 2.3465% | 5,641 |
| Loan and lease loss provision to assets | 0.1185% | 3,863 |
| Net operating income to assets | 0.5254% | 4,710 |
| Return on assets (ROA) | 0.5254% | 4,921 |
| Pretax return on assets | 0.5846% | 5,163 |
| Return on Equity (ROE) | 6.0113% | 4,286 |
| Retained earnings to average equity (ytd only) | 3.7514% | 4,336 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8135% | 2,673 |
| Assets per employee ($millions) | 3.3087% | 5,545 |
| Cash dividends to net income (ytd only)* | 37.5940% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8622% | 2,801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3768% | 5,937 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 57.0733% | 4,209 |
| Net loans and leases to deposits | 64.7936% | 4,513 |
| Net loans and leases to core deposits | 67.8845% | 4,693 |
| Total domestic deposits to total assets | 88.0848% | 2,258 |
| Equity capital to assets | 8.9190% | 5,612 |
| Core capital (leverage) ratio | 8.6755% | 5,341 |
| Tier 1 risk-based capital ratio | 14.6092% | 4,015 |
| Total risk-based capital ratio | 15.8667% | 3,971 |
| Memoranda: | ||
| Average total assets | $101,258,000 | 4,908 |
| Average earning assets | $93,207,000 | 4,870 |
| Average equity | $8,850,000 | 5,327 |
| Average total loans | $57,968,000 | 4,905 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4161% | 5,360 |
| Cost of funding earning assets | 1.0313% | 3,155 |
| Net interest margin | 3.3848% | 5,529 |
| Noninterest income to average assets | 0.2348% | 5,857 |
| Noninterest expense to average assets | 2.4690% | 5,571 |
| Loan and lease loss provision to assets | 0.5929% | 1,747 |
| Net operating income to assets | 0.2980% | 5,264 |
| Return on assets (ROA) | -0.1746% | 6,308 |
| Pretax return on assets | -0.1896% | 6,277 |
| Return on Equity (ROE) | -2.0416% | 6,340 |
| Retained earnings to average equity (ytd only) | -4.2358% | 6,389 |
| Net charge-offs to loans | 1.0401% | 1,668 |
| Credit loss provision to net charge-offs | 95.1691% | 3,792 |
| Earnings coverage of net charge-offs (x) | 1.4718% | 4,663 |
| Efficiency ratio | 72.7704% | 3,433 |
| Assets per employee ($millions) | 3.4419% | 5,151 |
| Cash dividends to net income (ytd only)* | -107.4713% | 7,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7952% | 2,884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 6,029 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 55.3624% | 4,823 |
| Net loans and leases to deposits | 62.5062% | 5,173 |
| Net loans and leases to core deposits | 65.5397% | 5,319 |
| Total domestic deposits to total assets | 88.5711% | 1,806 |
| Equity capital to assets | 8.5680% | 6,054 |
| Core capital (leverage) ratio | 8.7702% | 5,144 |
| Tier 1 risk-based capital ratio | 14.2732% | 4,130 |
| Total risk-based capital ratio | 15.5289% | 4,089 |
| Memoranda: | ||
| Average total assets | $99,674,400 | 4,897 |
| Average earning assets | $92,797,200 | 4,839 |
| Average equity | $8,522,600 | 5,401 |
| Average total loans | $59,707,800 | 4,874 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5346% | 5,147 |
| Cost of funding earning assets | 1.0654% | 3,208 |
| Net interest margin | 3.4692% | 5,312 |
| Noninterest income to average assets | 0.2322% | 5,959 |
| Noninterest expense to average assets | 2.5754% | 5,168 |
| Loan and lease loss provision to assets | 0.7437% | 1,284 |
| Net operating income to assets | 0.1316% | 5,884 |
| Return on assets (ROA) | -0.5318% | 6,698 |
| Pretax return on assets | -0.5521% | 6,654 |
| Return on Equity (ROE) | -6.2231% | 6,731 |
| Retained earnings to average equity (ytd only) | -9.1767% | 6,828 |
| Net charge-offs to loans | 1.4003% | 1,073 |
| Credit loss provision to net charge-offs | 87.3217% | 3,881 |
| Earnings coverage of net charge-offs (x) | 1.0365% | 4,853 |
| Efficiency ratio | 74.3560% | 3,112 |
| Assets per employee ($millions) | 3.2211% | 5,629 |
| Cash dividends to net income (ytd only)* | -47.4625% | 7,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7136% | 3,225 |
| Loan loss allowance to noncurrent loans | 99,500.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 6,066 |
| Noncurrent loans to loans | 0.0017% | 6,969 |
| Net loans and leases to total assets | 59.0581% | 4,311 |
| Net loans and leases to deposits | 67.3158% | 4,721 |
| Net loans and leases to core deposits | 71.0945% | 4,830 |
| Total domestic deposits to total assets | 87.7328% | 2,212 |
| Equity capital to assets | 9.0239% | 5,732 |
| Core capital (leverage) ratio | 8.7383% | 5,351 |
| Tier 1 risk-based capital ratio | 13.9615% | 4,384 |
| Total risk-based capital ratio | 15.2170% | 4,348 |
| Memoranda: | ||
| Average total assets | $98,779,000 | 4,956 |
| Average earning assets | $91,854,250 | 4,900 |
| Average equity | $8,441,500 | 5,456 |
| Average total loans | $60,082,250 | 4,902 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6248% | 4,871 |
| Cost of funding earning assets | 1.0814% | 3,377 |
| Net interest margin | 3.5434% | 4,951 |
| Noninterest income to average assets | 0.2111% | 6,155 |
| Noninterest expense to average assets | 2.7097% | 4,785 |
| Loan and lease loss provision to assets | 1.0774% | 767 |
| Net operating income to assets | -0.2374% | 6,505 |
| Return on assets (ROA) | -1.4292% | 7,088 |
| Pretax return on assets | -1.4594% | 7,052 |
| Return on Equity (ROE) | -17.0327% | 7,112 |
| Retained earnings to average equity (ytd only) | -21.5124% | 7,151 |
| Net charge-offs to loans | 1.3563% | 1,126 |
| Credit loss provision to net charge-offs | 130.0971% | 2,344 |
| Earnings coverage of net charge-offs (x) | 1.0073% | 4,538 |
| Efficiency ratio | 76.3471% | 2,957 |
| Assets per employee ($millions) | 3.2102% | 5,616 |
| Cash dividends to net income (ytd only)* | -26.3010% | 7,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9742% | 2,440 |
| Loan loss allowance to noncurrent loans | 259.5238% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.7175% | 5,469 |
| Noncurrent loans to loans | 0.7607% | 5,387 |
| Net loans and leases to total assets | 61.8169% | 3,921 |
| Net loans and leases to deposits | 70.0565% | 4,427 |
| Net loans and leases to core deposits | 73.7336% | 4,611 |
| Total domestic deposits to total assets | 88.2387% | 1,998 |
| Equity capital to assets | 8.4843% | 6,204 |
| Core capital (leverage) ratio | 8.2297% | 5,981 |
| Tier 1 risk-based capital ratio | 12.9547% | 4,950 |
| Total risk-based capital ratio | 14.2123% | 4,927 |
| Memoranda: | ||
| Average total assets | $99,494,670 | 4,972 |
| Average earning assets | $93,582,000 | 4,894 |
| Average equity | $8,348,670 | 5,501 |
| Average total loans | $60,755,000 | 4,926 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 5,001 |
| Cost of funding earning assets | 1.1155% | 3,418 |
| Net interest margin | 3.4728% | 5,134 |
| Noninterest income to average assets | 0.2335% | 6,046 |
| Noninterest expense to average assets | 2.5245% | 5,468 |
| Loan and lease loss provision to assets | 0.0594% | 5,257 |
| Net operating income to assets | 0.8776% | 2,674 |
| Return on assets (ROA) | -1.4205% | 7,173 |
| Pretax return on assets | -1.4799% | 7,153 |
| Return on Equity (ROE) | -17.0193% | 7,184 |
| Retained earnings to average equity (ytd only) | -17.0193% | 7,095 |
| Net charge-offs to loans | 0.6846% | 1,844 |
| Credit loss provision to net charge-offs | 14.4231% | 4,337 |
| Earnings coverage of net charge-offs (x) | 2.3654% | 3,135 |
| Efficiency ratio | 72.0588% | 3,848 |
| Assets per employee ($millions) | 3.1731% | 5,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6509% | 3,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4300% | 6,133 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 59.7153% | 4,325 |
| Net loans and leases to deposits | 67.6834% | 4,718 |
| Net loans and leases to core deposits | 70.5540% | 4,975 |
| Total domestic deposits to total assets | 88.2275% | 2,241 |
| Equity capital to assets | 8.5101% | 5,890 |
| Core capital (leverage) ratio | 8.6343% | 5,200 |
| Tier 1 risk-based capital ratio | 13.9419% | 4,111 |
| Total risk-based capital ratio | 15.1963% | 4,082 |
| Memoranda: | ||
| Average total assets | $101,088,500 | 4,977 |
| Average earning assets | $95,025,000 | 4,881 |
| Average equity | $8,437,500 | 5,476 |
| Average total loans | $60,766,000 | 4,971 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9385% | 4,842 |
| Cost of funding earning assets | 1.3091% | 3,823 |
| Net interest margin | 3.6294% | 4,675 |
| Noninterest income to average assets | 0.6022% | 3,463 |
| Noninterest expense to average assets | 2.6593% | 5,182 |
| Loan and lease loss provision to assets | 0.4068% | 3,672 |
| Net operating income to assets | 0.9292% | 2,281 |
| Return on assets (ROA) | 0.9479% | 2,336 |
| Pretax return on assets | 0.9719% | 3,022 |
| Return on Equity (ROE) | 11.1567% | 1,540 |
| Retained earnings to average equity (ytd only) | 10.4845% | 440 |
| Net charge-offs to loans | 0.3582% | 4,227 |
| Credit loss provision to net charge-offs | 175.0000% | 1,909 |
| Earnings coverage of net charge-offs (x) | 5.8491% | 2,517 |
| Efficiency ratio | 66.0434% | 4,963 |
| Assets per employee ($millions) | 3.3488% | 5,310 |
| Cash dividends to net income (ytd only)* | 6.0254% | 3,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7393% | 3,077 |
| Loan loss allowance to noncurrent loans | 164.6248% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.6290% | 5,748 |
| Noncurrent loans to loans | 1.0565% | 4,958 |
| Net loans and leases to total assets | 58.5019% | 4,957 |
| Net loans and leases to deposits | 65.9349% | 5,411 |
| Net loans and leases to core deposits | 69.0592% | 5,545 |
| Total domestic deposits to total assets | 88.7267% | 1,809 |
| Equity capital to assets | 8.1917% | 6,267 |
| Core capital (leverage) ratio | 9.0078% | 4,539 |
| Tier 1 risk-based capital ratio | 14.0018% | 3,872 |
| Total risk-based capital ratio | 15.2564% | 3,834 |
| Memoranda: | ||
| Average total assets | $99,799,800 | 4,989 |
| Average earning assets | $93,955,400 | 4,893 |
| Average equity | $8,479,200 | 5,553 |
| Average total loans | $64,760,600 | 4,878 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9795% | 4,910 |
| Cost of funding earning assets | 1.3445% | 3,944 |
| Net interest margin | 3.6350% | 4,701 |
| Noninterest income to average assets | 0.7261% | 2,669 |
| Noninterest expense to average assets | 2.7801% | 4,566 |
| Loan and lease loss provision to assets | 0.4804% | 3,070 |
| Net operating income to assets | 0.8694% | 2,739 |
| Return on assets (ROA) | 0.8839% | 2,821 |
| Pretax return on assets | 0.9028% | 3,547 |
| Return on Equity (ROE) | 10.3070% | 2,004 |
| Retained earnings to average equity (ytd only) | 10.3070% | 726 |
| Net charge-offs to loans | 0.4763% | 3,371 |
| Credit loss provision to net charge-offs | 152.1368% | 2,553 |
| Earnings coverage of net charge-offs (x) | 4.3334% | 3,096 |
| Efficiency ratio | 66.8835% | 4,680 |
| Assets per employee ($millions) | 3.2201% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 3,540 |
| Loan loss allowance to noncurrent loans | 150.0000% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.7060% | 5,700 |
| Noncurrent loans to loans | 1.0637% | 5,117 |
| Net loans and leases to total assets | 65.3133% | 3,842 |
| Net loans and leases to deposits | 75.4767% | 4,266 |
| Net loans and leases to core deposits | 80.1163% | 4,501 |
| Total domestic deposits to total assets | 86.5344% | 2,791 |
| Equity capital to assets | 9.5298% | 4,794 |
| Core capital (leverage) ratio | 8.9713% | 4,739 |
| Tier 1 risk-based capital ratio | 13.2305% | 4,399 |
| Total risk-based capital ratio | 14.4843% | 4,371 |
| Memoranda: | ||
| Average total assets | $98,796,750 | 5,085 |
| Average earning assets | $93,018,750 | 4,977 |
| Average equity | $8,473,000 | 5,629 |
| Average total loans | $65,499,000 | 4,926 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9426% | 5,213 |
| Cost of funding earning assets | 1.3739% | 4,034 |
| Net interest margin | 3.5687% | 4,955 |
| Noninterest income to average assets | 0.2532% | 6,102 |
| Noninterest expense to average assets | 2.8354% | 4,333 |
| Loan and lease loss provision to assets | 0.6852% | 2,113 |
| Net operating income to assets | 0.0904% | 5,892 |
| Return on assets (ROA) | 0.1065% | 5,962 |
| Pretax return on assets | 0.0944% | 5,990 |
| Return on Equity (ROE) | 1.2882% | 5,872 |
| Retained earnings to average equity (ytd only) | 1.2882% | 5,237 |
| Net charge-offs to loans | 0.7520% | 2,357 |
| Credit loss provision to net charge-offs | 137.5000% | 2,914 |
| Earnings coverage of net charge-offs (x) | 1.5323% | 4,343 |
| Efficiency ratio | 78.6711% | 2,632 |
| Assets per employee ($millions) | 2.9848% | 6,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5238% | 3,802 |
| Loan loss allowance to noncurrent loans | 81.3268% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.3506% | 4,462 |
| Noncurrent loans to loans | 1.8737% | 3,902 |
| Net loans and leases to total assets | 67.1870% | 3,573 |
| Net loans and leases to deposits | 76.1435% | 4,307 |
| Net loans and leases to core deposits | 80.7705% | 4,580 |
| Total domestic deposits to total assets | 88.2373% | 1,858 |
| Equity capital to assets | 8.7956% | 5,758 |
| Core capital (leverage) ratio | 8.5099% | 5,386 |
| Tier 1 risk-based capital ratio | 12.2052% | 5,125 |
| Total risk-based capital ratio | 13.4581% | 5,091 |
| Memoranda: | ||
| Average total assets | $99,528,330 | 5,092 |
| Average earning assets | $93,311,000 | 5,007 |
| Average equity | $8,228,670 | 5,722 |
| Average total loans | $65,959,670 | 4,943 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8231% | 5,797 |
| Cost of funding earning assets | 1.4139% | 4,096 |
| Net interest margin | 3.4092% | 5,543 |
| Noninterest income to average assets | 0.2442% | 6,203 |
| Noninterest expense to average assets | 2.7104% | 4,857 |
| Loan and lease loss provision to assets | 0.9652% | 1,302 |
| Net operating income to assets | -0.1929% | 6,539 |
| Return on assets (ROA) | -0.1655% | 6,577 |
| Pretax return on assets | -0.1891% | 6,547 |
| Return on Equity (ROE) | -2.0632% | 6,643 |
| Retained earnings to average equity (ytd only) | -2.0632% | 6,220 |
| Net charge-offs to loans | 0.2471% | 3,462 |
| Credit loss provision to net charge-offs | 597.5610% | 736 |
| Earnings coverage of net charge-offs (x) | 4.6098% | 2,593 |
| Efficiency ratio | 78.3352% | 2,847 |
| Assets per employee ($millions) | 3.0042% | 6,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 3,179 |
| Loan loss allowance to noncurrent loans | 65.2688% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.7077% | 3,915 |
| Noncurrent loans to loans | 2.5559% | 3,119 |
| Net loans and leases to total assets | 65.7007% | 3,932 |
| Net loans and leases to deposits | 78.5639% | 3,930 |
| Net loans and leases to core deposits | 82.5037% | 4,415 |
| Total domestic deposits to total assets | 83.6270% | 4,331 |
| Equity capital to assets | 8.4235% | 6,120 |
| Core capital (leverage) ratio | 8.0895% | 6,100 |
| Tier 1 risk-based capital ratio | 12.0091% | 5,185 |
| Total risk-based capital ratio | 13.2643% | 5,143 |
| Memoranda: | ||
| Average total assets | $101,535,500 | 5,101 |
| Average earning assets | $95,623,000 | 5,003 |
| Average equity | $8,142,500 | 5,794 |
| Average total loans | $66,356,500 | 4,992 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2842% | 5,264 |
| Cost of funding earning assets | 1.9119% | 3,399 |
| Net interest margin | 3.3723% | 5,484 |
| Noninterest income to average assets | 0.3562% | 5,555 |
| Noninterest expense to average assets | 2.8479% | 4,757 |
| Loan and lease loss provision to assets | 0.6384% | 3,247 |
| Net operating income to assets | 0.0649% | 5,305 |
| Return on assets (ROA) | 0.0731% | 5,325 |
| Pretax return on assets | 0.0546% | 5,314 |
| Return on Equity (ROE) | 0.8964% | 5,261 |
| Retained earnings to average equity (ytd only) | -0.9974% | 5,256 |
| Net charge-offs to loans | 0.6918% | 3,113 |
| Credit loss provision to net charge-offs | 139.3258% | 3,514 |
| Earnings coverage of net charge-offs (x) | 1.4944% | 4,634 |
| Efficiency ratio | 80.4430% | 2,818 |
| Assets per employee ($millions) | 3.3526% | 5,366 |
| Cash dividends to net income (ytd only)* | 211.2676% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 4,456 |
| Loan loss allowance to noncurrent loans | 58.9660% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.4702% | 4,188 |
| Noncurrent loans to loans | 2.2987% | 3,287 |
| Net loans and leases to total assets | 63.0913% | 4,788 |
| Net loans and leases to deposits | 74.4037% | 4,967 |
| Net loans and leases to core deposits | 94.5455% | 4,620 |
| Total domestic deposits to total assets | 84.7958% | 3,656 |
| Equity capital to assets | 7.6338% | 6,914 |
| Core capital (leverage) ratio | 7.8259% | 6,418 |
| Tier 1 risk-based capital ratio | 11.2264% | 5,687 |
| Total risk-based capital ratio | 12.4765% | 5,639 |
| Memoranda: | ||
| Average total assets | $97,123,400 | 5,164 |
| Average earning assets | $91,479,800 | 5,077 |
| Average equity | $7,920,800 | 5,951 |
| Average total loans | $64,322,800 | 5,090 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3026% | 5,411 |
| Cost of funding earning assets | 2.0015% | 3,349 |
| Net interest margin | 3.3011% | 5,637 |
| Noninterest income to average assets | 0.3661% | 5,575 |
| Noninterest expense to average assets | 2.8924% | 4,487 |
| Loan and lease loss provision to assets | 0.8244% | 2,314 |
| Net operating income to assets | -0.2154% | 6,091 |
| Return on assets (ROA) | -0.2054% | 6,083 |
| Pretax return on assets | -0.2306% | 6,021 |
| Return on Equity (ROE) | -2.4755% | 6,160 |
| Retained earnings to average equity (ytd only) | -5.0015% | 6,257 |
| Net charge-offs to loans | 0.8528% | 2,260 |
| Credit loss provision to net charge-offs | 144.6078% | 3,368 |
| Earnings coverage of net charge-offs (x) | 1.0221% | 5,028 |
| Efficiency ratio | 83.0720% | 2,418 |
| Assets per employee ($millions) | 2.9398% | 6,308 |
| Cash dividends to net income (ytd only)* | -102.0408% | 7,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3421% | 4,253 |
| Loan loss allowance to noncurrent loans | 113.7845% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.8226% | 5,445 |
| Noncurrent loans to loans | 1.1795% | 4,970 |
| Net loans and leases to total assets | 68.7986% | 3,771 |
| Net loans and leases to deposits | 82.4277% | 3,930 |
| Net loans and leases to core deposits | 106.9803% | 3,592 |
| Total domestic deposits to total assets | 83.4654% | 3,981 |
| Equity capital to assets | 8.1451% | 6,697 |
| Core capital (leverage) ratio | 7.6817% | 6,751 |
| Tier 1 risk-based capital ratio | 10.9246% | 6,021 |
| Total risk-based capital ratio | 12.1751% | 5,982 |
| Memoranda: | ||
| Average total assets | $95,421,250 | 5,254 |
| Average earning assets | $89,865,500 | 5,169 |
| Average equity | $7,917,500 | 6,009 |
| Average total loans | $63,785,250 | 5,143 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1953% | 6,092 |
| Cost of funding earning assets | 2.0454% | 3,542 |
| Net interest margin | 3.1499% | 6,089 |
| Noninterest income to average assets | 0.3499% | 5,701 |
| Noninterest expense to average assets | 2.8180% | 4,878 |
| Loan and lease loss provision to assets | 0.1475% | 5,601 |
| Net operating income to assets | 0.3857% | 4,566 |
| Return on assets (ROA) | 0.3857% | 4,667 |
| Pretax return on assets | 0.3478% | 5,074 |
| Return on Equity (ROE) | 4.6197% | 4,245 |
| Retained earnings to average equity (ytd only) | 0.8331% | 4,853 |
| Net charge-offs to loans | 0.1472% | 4,714 |
| Credit loss provision to net charge-offs | 152.1739% | 3,021 |
| Earnings coverage of net charge-offs (x) | 5.1087% | 2,913 |
| Efficiency ratio | 84.9237% | 2,373 |
| Assets per employee ($millions) | 2.8250% | 6,568 |
| Cash dividends to net income (ytd only)* | 81.9672% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 5,241 |
| Loan loss allowance to noncurrent loans | 57.8258% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.3503% | 4,254 |
| Noncurrent loans to loans | 1.9970% | 3,528 |
| Net loans and leases to total assets | 66.8374% | 4,389 |
| Net loans and leases to deposits | 77.1055% | 5,017 |
| Net loans and leases to core deposits | 98.6614% | 4,631 |
| Total domestic deposits to total assets | 86.6831% | 2,413 |
| Equity capital to assets | 7.9479% | 6,811 |
| Core capital (leverage) ratio | 8.3306% | 5,740 |
| Tier 1 risk-based capital ratio | 11.6782% | 5,215 |
| Total risk-based capital ratio | 12.7902% | 5,269 |
| Memoranda: | ||
| Average total assets | $94,890,000 | 5,312 |
| Average earning assets | $89,272,670 | 5,226 |
| Average equity | $7,922,670 | 6,051 |
| Average total loans | $62,496,000 | 5,237 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1897% | 6,335 |
| Cost of funding earning assets | 1.9738% | 4,271 |
| Net interest margin | 3.2159% | 5,809 |
| Noninterest income to average assets | 0.3011% | 6,032 |
| Noninterest expense to average assets | 2.8332% | 4,409 |
| Loan and lease loss provision to assets | 0.1697% | 4,772 |
| Net operating income to assets | 0.3139% | 5,244 |
| Return on assets (ROA) | 0.3139% | 5,417 |
| Pretax return on assets | 0.3181% | 5,628 |
| Return on Equity (ROE) | 3.6693% | 5,100 |
| Retained earnings to average equity (ytd only) | -1.2892% | 5,957 |
| Net charge-offs to loans | 0.0522% | 4,740 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 14.3750% | 1,672 |
| Efficiency ratio | 85.1852% | 2,174 |
| Assets per employee ($millions) | 2.8876% | 6,443 |
| Cash dividends to net income (ytd only)* | 135.1351% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 4,688 |
| Loan loss allowance to noncurrent loans | 50.1989% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 1.6320% | 3,464 |
| Noncurrent loans to loans | 2.4228% | 2,717 |
| Net loans and leases to total assets | 66.5393% | 4,456 |
| Net loans and leases to deposits | 75.6366% | 5,269 |
| Net loans and leases to core deposits | 96.2538% | 4,939 |
| Total domestic deposits to total assets | 87.9724% | 1,759 |
| Equity capital to assets | 8.6252% | 5,879 |
| Core capital (leverage) ratio | 8.3911% | 5,727 |
| Tier 1 risk-based capital ratio | 12.3667% | 4,644 |
| Total risk-based capital ratio | 13.5643% | 4,610 |
| Memoranda: | ||
| Average total assets | $94,309,500 | 5,362 |
| Average earning assets | $88,560,000 | 5,269 |
| Average equity | $8,067,000 | 6,033 |
| Average total loans | $61,270,000 | 5,312 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0422% | 5,342 |
| Cost of funding earning assets | 2.6384% | 3,494 |
| Net interest margin | 3.4037% | 5,647 |
| Noninterest income to average assets | 0.2932% | 6,362 |
| Noninterest expense to average assets | 2.8035% | 4,801 |
| Loan and lease loss provision to assets | 0.5115% | 2,763 |
| Net operating income to assets | 0.1341% | 6,018 |
| Return on assets (ROA) | 0.1920% | 5,692 |
| Pretax return on assets | 0.2067% | 5,718 |
| Return on Equity (ROE) | 2.2573% | 5,519 |
| Retained earnings to average equity (ytd only) | -3.0138% | 6,114 |
| Net charge-offs to loans | 0.9059% | 1,368 |
| Credit loss provision to net charge-offs | 89.4834% | 5,696 |
| Earnings coverage of net charge-offs (x) | 1.1476% | 5,549 |
| Efficiency ratio | 80.8841% | 2,471 |
| Assets per employee ($millions) | 2.9156% | 6,255 |
| Cash dividends to net income (ytd only)* | 233.5165% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 4,499 |
| Loan loss allowance to noncurrent loans | 67.9775% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.4790% | 3,262 |
| Noncurrent loans to loans | 1.7712% | 3,109 |
| Net loans and leases to total assets | 61.9155% | 5,635 |
| Net loans and leases to deposits | 70.1359% | 6,265 |
| Net loans and leases to core deposits | 86.8333% | 6,072 |
| Total domestic deposits to total assets | 88.2794% | 1,347 |
| Equity capital to assets | 8.4852% | 6,112 |
| Core capital (leverage) ratio | 8.3939% | 5,780 |
| Tier 1 risk-based capital ratio | 12.6551% | 4,317 |
| Total risk-based capital ratio | 13.8267% | 4,295 |
| Memoranda: | ||
| Average total assets | $94,810,600 | 5,206 |
| Average earning assets | $88,197,000 | 5,144 |
| Average equity | $8,062,800 | 6,067 |
| Average total loans | $59,827,200 | 5,275 |