Home > Farmers and Merchants Bank > Performance and Condition Ratios
Farmers and Merchants Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5087% | 3,084 |
| Cost of funding earning assets | 1.3788% | 2,285 |
| Net interest margin | 3.1299% | 3,027 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.0029% | 3,624 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.9876% | 2,259 |
| Return on assets (ROA) | 0.9876% | 2,240 |
| Pretax return on assets | 1.2145% | 2,101 |
| Return on Equity (ROE) | 22.6600% | 416 |
| Retained earnings to average equity (ytd only) | 14.7713% | 340 |
| Net charge-offs to loans | 0.1216% | 803 |
| Credit loss provision to net charge-offs | 86.9565% | 1,970 |
| Earnings coverage of net charge-offs (x) | 29.0783% | 1,651 |
| Efficiency ratio | 61.5367% | 2,901 |
| Assets per employee ($millions) | 7.6434% | 1,628 |
| Cash dividends to net income (ytd only)* | 34.7991% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 3,462 |
| Loan loss allowance to noncurrent loans | 90.8144% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3838% | 1,444 |
| Noncurrent loans to loans | 1.0672% | 686 |
| Net loans and leases to total assets | 35.6100% | 4,171 |
| Net loans and leases to deposits | 38.7510% | 4,223 |
| Net loans and leases to core deposits | 43.9955% | 4,204 |
| Total domestic deposits to total assets | 91.9000% | 322 |
| Equity capital to assets | 5.2027% | 4,379 |
| Core capital (leverage) ratio | 11.4104% | 1,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1726% | 677 |
| Memoranda: | ||
| Average total assets | $267,106,600 | 2,583 |
| Average earning assets | $246,525,000 | 2,596 |
| Average equity | $11,644,200 | 3,564 |
| Average total loans | $94,556,800 | 3,236 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4665% | 2,977 |
| Cost of funding earning assets | 1.2314% | 2,329 |
| Net interest margin | 3.2351% | 2,834 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.0420% | 3,488 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.0366% | 2,257 |
| Return on assets (ROA) | 1.0366% | 2,246 |
| Pretax return on assets | 1.2765% | 2,103 |
| Return on Equity (ROE) | 25.0400% | 384 |
| Retained earnings to average equity (ytd only) | 25.0352% | 140 |
| Net charge-offs to loans | -0.0171% | 4,088 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.0710% | 2,836 |
| Assets per employee ($millions) | 7.1368% | 1,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 2,955 |
| Loan loss allowance to noncurrent loans | 58.7635% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.6866% | 833 |
| Noncurrent loans to loans | 1.8408% | 350 |
| Net loans and leases to total assets | 35.8800% | 4,190 |
| Net loans and leases to deposits | 38.2503% | 4,249 |
| Net loans and leases to core deposits | 43.6189% | 4,182 |
| Total domestic deposits to total assets | 93.7900% | 207 |
| Equity capital to assets | 3.1629% | 4,476 |
| Core capital (leverage) ratio | 11.5874% | 1,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6121% | 868 |
| Memoranda: | ||
| Average total assets | $265,092,500 | 2,600 |
| Average earning assets | $243,613,500 | 2,616 |
| Average equity | $10,976,250 | 3,618 |
| Average total loans | $93,459,250 | 3,251 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3720% | 2,956 |
| Cost of funding earning assets | 1.0291% | 2,505 |
| Net interest margin | 3.3429% | 2,662 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.0238% | 3,539 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.1182% | 2,066 |
| Return on assets (ROA) | 1.1182% | 2,063 |
| Pretax return on assets | 1.3909% | 1,836 |
| Return on Equity (ROE) | 25.0400% | 382 |
| Retained earnings to average equity (ytd only) | 25.0443% | 121 |
| Net charge-offs to loans | -0.0086% | 3,869 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.7489% | 3,107 |
| Assets per employee ($millions) | 7.0111% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 3,103 |
| Loan loss allowance to noncurrent loans | 76.4264% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.7702% | 661 |
| Noncurrent loans to loans | 1.3967% | 498 |
| Net loans and leases to total assets | 36.3700% | 4,164 |
| Net loans and leases to deposits | 39.4911% | 4,228 |
| Net loans and leases to core deposits | 44.8157% | 4,151 |
| Total domestic deposits to total assets | 92.1000% | 394 |
| Equity capital to assets | 4.9693% | 4,384 |
| Core capital (leverage) ratio | 11.2959% | 1,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7508% | 849 |
| Memoranda: | ||
| Average total assets | $265,436,000 | 2,604 |
| Average earning assets | $243,502,333 | 2,621 |
| Average equity | $11,851,000 | 3,549 |
| Average total loans | $92,688,667 | 3,257 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2173% | 3,003 |
| Cost of funding earning assets | 0.8763% | 2,449 |
| Net interest margin | 3.3410% | 2,773 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.0384% | 3,531 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.0952% | 2,247 |
| Return on assets (ROA) | 1.0952% | 2,209 |
| Pretax return on assets | 1.3708% | 1,959 |
| Return on Equity (ROE) | 25.9500% | 367 |
| Retained earnings to average equity (ytd only) | 25.9465% | 162 |
| Net charge-offs to loans | 0.0350% | 1,028 |
| Credit loss provision to net charge-offs | 250.0000% | 748 |
| Earnings coverage of net charge-offs (x) | 117.5000% | 718 |
| Efficiency ratio | 59.2721% | 3,047 |
| Assets per employee ($millions) | 7.0683% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 3,169 |
| Loan loss allowance to noncurrent loans | 108.7100% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 864 |
| Noncurrent loans to loans | 0.9901% | 736 |
| Net loans and leases to total assets | 33.7400% | 4,269 |
| Net loans and leases to deposits | 36.4607% | 4,317 |
| Net loans and leases to core deposits | 42.6094% | 4,211 |
| Total domestic deposits to total assets | 92.5400% | 390 |
| Equity capital to assets | 4.6535% | 4,470 |
| Core capital (leverage) ratio | 10.9985% | 1,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3220% | 943 |
| Memoranda: | ||
| Average total assets | $268,448,500 | 2,624 |
| Average earning assets | $246,037,000 | 2,631 |
| Average equity | $11,331,000 | 3,641 |
| Average total loans | $91,350,500 | 3,312 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7206% | 2,470 |
| Cost of funding earning assets | 0.3654% | 2,363 |
| Net interest margin | 3.3552% | 2,404 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.0824% | 3,348 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.1238% | 2,075 |
| Return on assets (ROA) | 1.1238% | 2,020 |
| Pretax return on assets | 1.3881% | 1,800 |
| Return on Equity (ROE) | 18.3000% | 658 |
| Retained earnings to average equity (ytd only) | 12.5544% | 577 |
| Net charge-offs to loans | 0.1673% | 503 |
| Credit loss provision to net charge-offs | 92.8571% | 1,616 |
| Earnings coverage of net charge-offs (x) | 26.7357% | 1,750 |
| Efficiency ratio | 59.1509% | 3,170 |
| Assets per employee ($millions) | 7.0606% | 1,927 |
| Cash dividends to net income (ytd only)* | 31.3846% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 3,040 |
| Loan loss allowance to noncurrent loans | 133.0601% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.5296% | 950 |
| Noncurrent loans to loans | 0.8036% | 924 |
| Net loans and leases to total assets | 33.5900% | 4,303 |
| Net loans and leases to deposits | 35.0666% | 4,367 |
| Net loans and leases to core deposits | 40.2206% | 4,274 |
| Total domestic deposits to total assets | 95.7800% | 92 |
| Equity capital to assets | 3.7879% | 4,543 |
| Core capital (leverage) ratio | 11.1120% | 1,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7983% | 1,015 |
| Memoranda: | ||
| Average total assets | $260,279,200 | 2,669 |
| Average earning assets | $241,356,600 | 2,664 |
| Average equity | $15,986,400 | 3,273 |
| Average total loans | $83,676,000 | 3,361 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5874% | 2,383 |
| Cost of funding earning assets | 0.3244% | 1,922 |
| Net interest margin | 3.2629% | 2,416 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.0495% | 3,352 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.1006% | 2,092 |
| Return on assets (ROA) | 1.1006% | 2,060 |
| Pretax return on assets | 1.3665% | 1,827 |
| Return on Equity (ROE) | 16.3000% | 920 |
| Retained earnings to average equity (ytd only) | 16.2972% | 258 |
| Net charge-offs to loans | 0.1890% | 354 |
| Credit loss provision to net charge-offs | 68.9655% | 1,456 |
| Earnings coverage of net charge-offs (x) | 23.5086% | 1,651 |
| Efficiency ratio | 59.2803% | 3,212 |
| Assets per employee ($millions) | 6.6385% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,044 |
| Loan loss allowance to noncurrent loans | 134.2291% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.5708% | 931 |
| Noncurrent loans to loans | 0.8155% | 976 |
| Net loans and leases to total assets | 33.9900% | 4,305 |
| Net loans and leases to deposits | 35.3538% | 4,382 |
| Net loans and leases to core deposits | 39.8039% | 4,282 |
| Total domestic deposits to total assets | 96.1400% | 119 |
| Equity capital to assets | 3.3322% | 4,563 |
| Core capital (leverage) ratio | 10.9683% | 1,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5715% | 916 |
| Memoranda: | ||
| Average total assets | $258,273,250 | 2,697 |
| Average earning assets | $240,839,500 | 2,682 |
| Average equity | $17,442,250 | 3,206 |
| Average total loans | $81,821,750 | 3,400 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3928% | 2,463 |
| Cost of funding earning assets | 0.3093% | 1,637 |
| Net interest margin | 3.0835% | 2,585 |
| Noninterest income to average assets | 0.4418% | 2,495 |
| Noninterest expense to average assets | 1.9810% | 3,482 |
| Loan and lease loss provision to assets | 0.0384% | 1,899 |
| Net operating income to assets | 1.0543% | 1,957 |
| Return on assets (ROA) | 1.0543% | 1,924 |
| Pretax return on assets | 1.3101% | 1,715 |
| Return on Equity (ROE) | 13.4153% | 1,265 |
| Retained earnings to average equity (ytd only) | 13.4153% | 419 |
| Net charge-offs to loans | 0.1372% | 472 |
| Credit loss provision to net charge-offs | 90.9091% | 1,335 |
| Earnings coverage of net charge-offs (x) | 31.9091% | 1,366 |
| Efficiency ratio | 59.4969% | 3,366 |
| Assets per employee ($millions) | 6.7696% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 2,638 |
| Loan loss allowance to noncurrent loans | 532.0652% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 1,694 |
| Noncurrent loans to loans | 0.2274% | 2,583 |
| Net loans and leases to total assets | 30.2825% | 4,454 |
| Net loans and leases to deposits | 32.0878% | 4,500 |
| Net loans and leases to core deposits | 36.5656% | 4,416 |
| Total domestic deposits to total assets | 94.3738% | 217 |
| Equity capital to assets | 5.1649% | 4,440 |
| Core capital (leverage) ratio | 10.6965% | 1,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7910% | 885 |
| Memoranda: | ||
| Average total assets | $260,276,333 | 2,705 |
| Average earning assets | $243,750,667 | 2,701 |
| Average equity | $20,454,333 | 3,024 |
| Average total loans | $80,197,333 | 3,454 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3139% | 2,343 |
| Cost of funding earning assets | 0.2981% | 1,677 |
| Net interest margin | 3.0158% | 2,455 |
| Noninterest income to average assets | 0.5371% | 1,960 |
| Noninterest expense to average assets | 2.0402% | 3,323 |
| Loan and lease loss provision to assets | 0.0464% | 1,531 |
| Net operating income to assets | 1.0325% | 1,750 |
| Return on assets (ROA) | 1.0325% | 1,740 |
| Pretax return on assets | 1.3003% | 1,508 |
| Return on Equity (ROE) | 11.1803% | 1,560 |
| Retained earnings to average equity (ytd only) | 11.1803% | 753 |
| Net charge-offs to loans | 0.2205% | 282 |
| Credit loss provision to net charge-offs | 68.1818% | 1,142 |
| Earnings coverage of net charge-offs (x) | 19.7727% | 1,283 |
| Efficiency ratio | 60.2377% | 3,460 |
| Assets per employee ($millions) | 6.7349% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 2,764 |
| Loan loss allowance to noncurrent loans | 320.1320% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.3024% | 1,908 |
| Noncurrent loans to loans | 0.3805% | 2,128 |
| Net loans and leases to total assets | 30.7365% | 4,426 |
| Net loans and leases to deposits | 33.4874% | 4,453 |
| Net loans and leases to core deposits | 38.4884% | 4,354 |
| Total domestic deposits to total assets | 91.7852% | 663 |
| Equity capital to assets | 7.7495% | 3,767 |
| Core capital (leverage) ratio | 10.4353% | 1,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1034% | 892 |
| Memoranda: | ||
| Average total assets | $258,407,500 | 2,732 |
| Average earning assets | $244,181,000 | 2,713 |
| Average equity | $23,863,500 | 2,844 |
| Average total loans | $79,831,500 | 3,461 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3137% | 3,162 |
| Cost of funding earning assets | 0.3386% | 2,035 |
| Net interest margin | 2.9751% | 3,260 |
| Noninterest income to average assets | 0.6382% | 1,996 |
| Noninterest expense to average assets | 2.0643% | 3,485 |
| Loan and lease loss provision to assets | 0.0636% | 1,799 |
| Net operating income to assets | 1.0884% | 2,341 |
| Return on assets (ROA) | 1.1331% | 2,216 |
| Pretax return on assets | 1.3934% | 2,076 |
| Return on Equity (ROE) | 9.6405% | 2,664 |
| Retained earnings to average equity (ytd only) | 6.3284% | 2,213 |
| Net charge-offs to loans | 0.1631% | 591 |
| Credit loss provision to net charge-offs | 115.3846% | 1,676 |
| Earnings coverage of net charge-offs (x) | 25.4308% | 1,724 |
| Efficiency ratio | 59.5547% | 3,223 |
| Assets per employee ($millions) | 6.8655% | 2,023 |
| Cash dividends to net income (ytd only)* | 34.3563% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 2,732 |
| Loan loss allowance to noncurrent loans | 91.3729% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.5439% | 1,213 |
| Noncurrent loans to loans | 1.3470% | 694 |
| Net loans and leases to total assets | 30.2984% | 4,498 |
| Net loans and leases to deposits | 34.1244% | 4,524 |
| Net loans and leases to core deposits | 39.2335% | 4,414 |
| Total domestic deposits to total assets | 88.7883% | 1,621 |
| Equity capital to assets | 10.6919% | 2,016 |
| Core capital (leverage) ratio | 10.5414% | 1,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9245% | 904 |
| Memoranda: | ||
| Average total assets | $235,819,000 | 2,813 |
| Average earning assets | $224,162,800 | 2,784 |
| Average equity | $27,716,400 | 2,666 |
| Average total loans | $79,700,800 | 3,486 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3631% | 3,211 |
| Cost of funding earning assets | 0.3483% | 2,131 |
| Net interest margin | 3.0148% | 3,267 |
| Noninterest income to average assets | 0.6894% | 1,860 |
| Noninterest expense to average assets | 2.0863% | 3,404 |
| Loan and lease loss provision to assets | 0.0754% | 1,543 |
| Net operating income to assets | 1.1141% | 2,501 |
| Return on assets (ROA) | 1.1750% | 2,313 |
| Pretax return on assets | 1.4747% | 2,065 |
| Return on Equity (ROE) | 9.7473% | 2,827 |
| Retained earnings to average equity (ytd only) | 9.7473% | 1,398 |
| Net charge-offs to loans | 0.0787% | 877 |
| Credit loss provision to net charge-offs | 276.5957% | 1,042 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 1,196 |
| Efficiency ratio | 58.5971% | 3,181 |
| Assets per employee ($millions) | 6.5072% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 2,551 |
| Loan loss allowance to noncurrent loans | 56.8404% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 0.7449% | 982 |
| Noncurrent loans to loans | 2.2656% | 361 |
| Net loans and leases to total assets | 32.4567% | 4,531 |
| Net loans and leases to deposits | 37.0092% | 4,545 |
| Net loans and leases to core deposits | 42.3261% | 4,439 |
| Total domestic deposits to total assets | 87.6991% | 2,009 |
| Equity capital to assets | 11.5940% | 1,609 |
| Core capital (leverage) ratio | 10.9414% | 1,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8953% | 830 |
| Memoranda: | ||
| Average total assets | $229,551,750 | 2,879 |
| Average earning assets | $218,605,500 | 2,844 |
| Average equity | $27,672,000 | 2,701 |
| Average total loans | $79,618,500 | 3,534 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4309% | 3,079 |
| Cost of funding earning assets | 0.3604% | 2,231 |
| Net interest margin | 3.0705% | 3,115 |
| Noninterest income to average assets | 0.6358% | 2,063 |
| Noninterest expense to average assets | 2.1051% | 3,372 |
| Loan and lease loss provision to assets | 0.0626% | 1,793 |
| Net operating income to assets | 1.1250% | 2,451 |
| Return on assets (ROA) | 1.1250% | 2,519 |
| Pretax return on assets | 1.3861% | 2,376 |
| Return on Equity (ROE) | 9.2027% | 3,039 |
| Retained earnings to average equity (ytd only) | 9.2027% | 1,645 |
| Net charge-offs to loans | 0.0253% | 1,437 |
| Credit loss provision to net charge-offs | 700.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 162.0000% | 565 |
| Efficiency ratio | 59.2350% | 3,122 |
| Assets per employee ($millions) | 6.2011% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 2,573 |
| Loan loss allowance to noncurrent loans | 121.7340% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.3573% | 2,170 |
| Noncurrent loans to loans | 1.0450% | 1,175 |
| Net loans and leases to total assets | 33.7571% | 4,548 |
| Net loans and leases to deposits | 38.6119% | 4,562 |
| Net loans and leases to core deposits | 43.5728% | 4,472 |
| Total domestic deposits to total assets | 87.4267% | 2,121 |
| Equity capital to assets | 11.8909% | 1,420 |
| Core capital (leverage) ratio | 11.4020% | 1,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9178% | 819 |
| Memoranda: | ||
| Average total assets | $223,644,333 | 2,913 |
| Average earning assets | $212,536,000 | 2,884 |
| Average equity | $27,339,667 | 2,713 |
| Average total loans | $79,056,667 | 3,562 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3889% | 3,226 |
| Cost of funding earning assets | 0.3720% | 2,337 |
| Net interest margin | 3.0168% | 3,214 |
| Noninterest income to average assets | 0.8620% | 1,426 |
| Noninterest expense to average assets | 2.2293% | 3,010 |
| Loan and lease loss provision to assets | 0.0735% | 1,709 |
| Net operating income to assets | 1.1395% | 2,357 |
| Return on assets (ROA) | 1.1395% | 2,422 |
| Pretax return on assets | 1.4207% | 2,224 |
| Return on Equity (ROE) | 9.1854% | 2,969 |
| Retained earnings to average equity (ytd only) | 9.1854% | 1,894 |
| Net charge-offs to loans | 0.0817% | 784 |
| Credit loss provision to net charge-offs | 250.0000% | 816 |
| Earnings coverage of net charge-offs (x) | 50.8125% | 891 |
| Efficiency ratio | 59.8717% | 3,049 |
| Assets per employee ($millions) | 5.9609% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 2,662 |
| Loan loss allowance to noncurrent loans | 105.6745% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.4307% | 2,107 |
| Noncurrent loans to loans | 1.1837% | 1,121 |
| Net loans and leases to total assets | 35.3288% | 4,538 |
| Net loans and leases to deposits | 40.3790% | 4,552 |
| Net loans and leases to core deposits | 44.8695% | 4,477 |
| Total domestic deposits to total assets | 87.4929% | 2,092 |
| Equity capital to assets | 11.9680% | 1,306 |
| Core capital (leverage) ratio | 11.6072% | 1,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3123% | 752 |
| Memoranda: | ||
| Average total assets | $217,645,500 | 2,946 |
| Average earning assets | $206,440,500 | 2,923 |
| Average equity | $26,999,500 | 2,732 |
| Average total loans | $78,299,500 | 3,599 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 2,627 |
| Cost of funding earning assets | 0.5378% | 2,700 |
| Net interest margin | 3.4957% | 2,492 |
| Noninterest income to average assets | 0.4972% | 2,645 |
| Noninterest expense to average assets | 2.2514% | 3,542 |
| Loan and lease loss provision to assets | 0.0866% | 3,280 |
| Net operating income to assets | 1.2144% | 1,504 |
| Return on assets (ROA) | 1.2334% | 1,543 |
| Pretax return on assets | 1.4754% | 1,423 |
| Return on Equity (ROE) | 9.0436% | 2,375 |
| Retained earnings to average equity (ytd only) | 5.8635% | 1,866 |
| Net charge-offs to loans | 0.0653% | 1,849 |
| Credit loss provision to net charge-offs | 336.7347% | 1,613 |
| Earnings coverage of net charge-offs (x) | 59.8367% | 1,072 |
| Efficiency ratio | 59.3906% | 3,538 |
| Assets per employee ($millions) | 5.6510% | 2,686 |
| Cash dividends to net income (ytd only)* | 35.1639% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 2,743 |
| Loan loss allowance to noncurrent loans | 185.7418% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 3,041 |
| Noncurrent loans to loans | 0.6680% | 2,018 |
| Net loans and leases to total assets | 35.7316% | 4,598 |
| Net loans and leases to deposits | 41.5083% | 4,616 |
| Net loans and leases to core deposits | 46.1867% | 4,542 |
| Total domestic deposits to total assets | 86.0830% | 2,329 |
| Equity capital to assets | 12.8543% | 1,155 |
| Core capital (leverage) ratio | 12.1449% | 1,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1835% | 753 |
| Memoranda: | ||
| Average total assets | $190,456,600 | 3,025 |
| Average earning assets | $179,447,000 | 3,005 |
| Average equity | $25,974,200 | 2,743 |
| Average total loans | $75,035,400 | 3,648 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0722% | 2,754 |
| Cost of funding earning assets | 0.5826% | 2,724 |
| Net interest margin | 3.4896% | 2,620 |
| Noninterest income to average assets | 0.4621% | 2,778 |
| Noninterest expense to average assets | 2.3204% | 3,365 |
| Loan and lease loss provision to assets | 0.0689% | 3,467 |
| Net operating income to assets | 1.1398% | 1,854 |
| Return on assets (ROA) | 1.1656% | 1,882 |
| Pretax return on assets | 1.3999% | 1,730 |
| Return on Equity (ROE) | 8.4065% | 2,645 |
| Retained earnings to average equity (ytd only) | 8.4065% | 1,174 |
| Net charge-offs to loans | 0.0359% | 2,117 |
| Credit loss provision to net charge-offs | 475.0000% | 1,324 |
| Earnings coverage of net charge-offs (x) | 99.4000% | 795 |
| Efficiency ratio | 61.7472% | 3,117 |
| Assets per employee ($millions) | 5.2951% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 2,896 |
| Loan loss allowance to noncurrent loans | 177.5000% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 3,108 |
| Noncurrent loans to loans | 0.6522% | 2,159 |
| Net loans and leases to total assets | 39.1637% | 4,588 |
| Net loans and leases to deposits | 46.1038% | 4,601 |
| Net loans and leases to core deposits | 50.9231% | 4,554 |
| Total domestic deposits to total assets | 84.9467% | 2,460 |
| Equity capital to assets | 13.7691% | 916 |
| Core capital (leverage) ratio | 12.7176% | 1,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3622% | 747 |
| Memoranda: | ||
| Average total assets | $184,386,500 | 3,055 |
| Average earning assets | $174,150,250 | 3,029 |
| Average equity | $25,567,000 | 2,756 |
| Average total loans | $74,371,000 | 3,669 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2087% | 2,735 |
| Cost of funding earning assets | 0.6191% | 2,868 |
| Net interest margin | 3.5896% | 2,517 |
| Noninterest income to average assets | 0.4699% | 2,711 |
| Noninterest expense to average assets | 2.3594% | 3,373 |
| Loan and lease loss provision to assets | 0.0727% | 3,393 |
| Net operating income to assets | 1.1705% | 1,722 |
| Return on assets (ROA) | 1.2104% | 1,737 |
| Pretax return on assets | 1.4655% | 1,541 |
| Return on Equity (ROE) | 8.7067% | 2,489 |
| Retained earnings to average equity (ytd only) | 8.7067% | 1,102 |
| Net charge-offs to loans | 0.0496% | 1,775 |
| Credit loss provision to net charge-offs | 361.1111% | 1,488 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 849 |
| Efficiency ratio | 61.2903% | 3,238 |
| Assets per employee ($millions) | 5.0455% | 3,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 2,808 |
| Loan loss allowance to noncurrent loans | 75.2309% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.6295% | 1,930 |
| Noncurrent loans to loans | 1.5205% | 993 |
| Net loans and leases to total assets | 40.3870% | 4,592 |
| Net loans and leases to deposits | 47.4119% | 4,612 |
| Net loans and leases to core deposits | 52.3712% | 4,549 |
| Total domestic deposits to total assets | 85.1833% | 2,320 |
| Equity capital to assets | 13.8273% | 894 |
| Core capital (leverage) ratio | 13.1978% | 945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0584% | 663 |
| Memoranda: | ||
| Average total assets | $178,778,000 | 3,085 |
| Average earning assets | $168,318,000 | 3,059 |
| Average equity | $24,854,333 | 2,788 |
| Average total loans | $72,586,333 | 3,703 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 2,896 |
| Cost of funding earning assets | 0.6526% | 3,156 |
| Net interest margin | 3.6583% | 2,482 |
| Noninterest income to average assets | 0.5734% | 2,159 |
| Noninterest expense to average assets | 2.3610% | 3,623 |
| Loan and lease loss provision to assets | 0.0813% | 2,689 |
| Net operating income to assets | 1.2726% | 1,321 |
| Return on assets (ROA) | 1.3534% | 1,180 |
| Pretax return on assets | 1.6668% | 916 |
| Return on Equity (ROE) | 9.7062% | 1,838 |
| Retained earnings to average equity (ytd only) | 9.7062% | 805 |
| Net charge-offs to loans | 0.0574% | 1,435 |
| Credit loss provision to net charge-offs | 350.0000% | 1,077 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 722 |
| Efficiency ratio | 58.8882% | 3,889 |
| Assets per employee ($millions) | 4.6836% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 2,547 |
| Loan loss allowance to noncurrent loans | 61.9419% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 0.8235% | 1,638 |
| Noncurrent loans to loans | 1.9741% | 727 |
| Net loans and leases to total assets | 40.7408% | 4,638 |
| Net loans and leases to deposits | 47.6149% | 4,675 |
| Net loans and leases to core deposits | 52.7649% | 4,609 |
| Total domestic deposits to total assets | 85.5632% | 2,187 |
| Equity capital to assets | 13.7963% | 1,125 |
| Core capital (leverage) ratio | 13.5529% | 1,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8546% | 573 |
| Memoranda: | ||
| Average total assets | $172,302,000 | 3,113 |
| Average earning assets | $161,825,000 | 3,092 |
| Average equity | $24,026,000 | 2,847 |
| Average total loans | $69,714,500 | 3,767 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 3,490 |
| Cost of funding earning assets | 0.5990% | 3,639 |
| Net interest margin | 3.7180% | 2,759 |
| Noninterest income to average assets | 0.5313% | 2,572 |
| Noninterest expense to average assets | 2.4787% | 3,506 |
| Loan and lease loss provision to assets | 0.1054% | 1,964 |
| Net operating income to assets | 1.2007% | 2,057 |
| Return on assets (ROA) | 1.2017% | 2,150 |
| Pretax return on assets | 1.4252% | 2,065 |
| Return on Equity (ROE) | 8.5963% | 2,909 |
| Retained earnings to average equity (ytd only) | 5.5327% | 2,142 |
| Net charge-offs to loans | 0.0661% | 2,142 |
| Credit loss provision to net charge-offs | 416.6667% | 686 |
| Earnings coverage of net charge-offs (x) | 60.4524% | 972 |
| Efficiency ratio | 61.8425% | 3,407 |
| Assets per employee ($millions) | 4.5082% | 3,207 |
| Cash dividends to net income (ytd only)* | 35.6391% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,178 |
| Loan loss allowance to noncurrent loans | 61.3883% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 1,607 |
| Noncurrent loans to loans | 2.0352% | 626 |
| Net loans and leases to total assets | 39.1714% | 4,766 |
| Net loans and leases to deposits | 46.0251% | 4,786 |
| Net loans and leases to core deposits | 50.8842% | 4,734 |
| Total domestic deposits to total assets | 85.1090% | 2,450 |
| Equity capital to assets | 14.0937% | 1,066 |
| Core capital (leverage) ratio | 13.8402% | 969 |
| Tier 1 risk-based capital ratio | 21.4276% | 1,095 |
| Total risk-based capital ratio | 22.2158% | 1,142 |
| Memoranda: | ||
| Average total assets | $166,016,400 | 3,142 |
| Average earning assets | $155,246,600 | 3,134 |
| Average equity | $23,207,600 | 2,853 |
| Average total loans | $63,520,600 | 3,919 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3432% | 3,537 |
| Cost of funding earning assets | 0.5949% | 3,726 |
| Net interest margin | 3.7484% | 2,758 |
| Noninterest income to average assets | 0.5286% | 2,562 |
| Noninterest expense to average assets | 2.5323% | 3,341 |
| Loan and lease loss provision to assets | 0.1052% | 1,833 |
| Net operating income to assets | 1.1758% | 2,275 |
| Return on assets (ROA) | 1.1771% | 2,353 |
| Pretax return on assets | 1.3973% | 2,324 |
| Return on Equity (ROE) | 8.4385% | 3,139 |
| Retained earnings to average equity (ytd only) | 8.4385% | 1,229 |
| Net charge-offs to loans | 0.0833% | 1,642 |
| Credit loss provision to net charge-offs | 333.3333% | 884 |
| Earnings coverage of net charge-offs (x) | 47.5373% | 1,234 |
| Efficiency ratio | 62.7860% | 3,201 |
| Assets per employee ($millions) | 4.4819% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,296 |
| Loan loss allowance to noncurrent loans | 90.8681% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 2,405 |
| Noncurrent loans to loans | 1.3628% | 1,130 |
| Net loans and leases to total assets | 38.7628% | 4,857 |
| Net loans and leases to deposits | 46.1278% | 4,870 |
| Net loans and leases to core deposits | 51.3550% | 4,807 |
| Total domestic deposits to total assets | 84.0336% | 2,809 |
| Equity capital to assets | 14.9509% | 856 |
| Core capital (leverage) ratio | 14.1210% | 953 |
| Tier 1 risk-based capital ratio | 22.5171% | 1,008 |
| Total risk-based capital ratio | 23.2977% | 1,038 |
| Memoranda: | ||
| Average total assets | $164,692,750 | 3,189 |
| Average earning assets | $153,983,250 | 3,178 |
| Average equity | $22,973,500 | 2,890 |
| Average total loans | $62,412,250 | 3,979 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3226% | 3,570 |
| Cost of funding earning assets | 0.5824% | 3,740 |
| Net interest margin | 3.7401% | 2,789 |
| Noninterest income to average assets | 0.5088% | 2,628 |
| Noninterest expense to average assets | 2.5196% | 3,413 |
| Loan and lease loss provision to assets | 0.1035% | 1,812 |
| Net operating income to assets | 1.1531% | 2,317 |
| Return on assets (ROA) | 1.1551% | 2,379 |
| Pretax return on assets | 1.3742% | 2,290 |
| Return on Equity (ROE) | 8.4857% | 3,071 |
| Retained earnings to average equity (ytd only) | 8.4857% | 1,213 |
| Net charge-offs to loans | -0.0098% | 4,315 |
| Credit loss provision to net charge-offs | -2,833.3333% | 4,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0713% | 3,272 |
| Assets per employee ($millions) | 4.4343% | 3,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 2,203 |
| Loan loss allowance to noncurrent loans | 230.0860% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 3,726 |
| Noncurrent loans to loans | 0.5468% | 2,631 |
| Net loans and leases to total assets | 38.4103% | 4,896 |
| Net loans and leases to deposits | 45.4942% | 4,917 |
| Net loans and leases to core deposits | 49.6318% | 4,874 |
| Total domestic deposits to total assets | 84.4290% | 2,715 |
| Equity capital to assets | 14.4672% | 956 |
| Core capital (leverage) ratio | 13.9550% | 979 |
| Tier 1 risk-based capital ratio | 22.1676% | 1,032 |
| Total risk-based capital ratio | 22.9503% | 1,068 |
| Memoranda: | ||
| Average total assets | $164,314,000 | 3,202 |
| Average earning assets | $153,149,000 | 3,201 |
| Average equity | $22,367,000 | 2,938 |
| Average total loans | $61,521,000 | 4,015 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2624% | 3,670 |
| Cost of funding earning assets | 0.5645% | 3,761 |
| Net interest margin | 3.6979% | 2,897 |
| Noninterest income to average assets | 0.5133% | 2,479 |
| Noninterest expense to average assets | 2.5104% | 3,479 |
| Loan and lease loss provision to assets | 0.1095% | 1,629 |
| Net operating income to assets | 1.1165% | 2,405 |
| Return on assets (ROA) | 1.1165% | 2,454 |
| Pretax return on assets | 1.3355% | 2,310 |
| Return on Equity (ROE) | 8.4677% | 3,056 |
| Retained earnings to average equity (ytd only) | 8.4677% | 1,502 |
| Net charge-offs to loans | -0.1590% | 5,137 |
| Credit loss provision to net charge-offs | -187.5000% | 3,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4686% | 3,323 |
| Assets per employee ($millions) | 4.8119% | 2,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 2,060 |
| Loan loss allowance to noncurrent loans | 218.9944% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 3,555 |
| Noncurrent loans to loans | 0.5967% | 2,549 |
| Net loans and leases to total assets | 36.1912% | 5,016 |
| Net loans and leases to deposits | 42.4366% | 5,029 |
| Net loans and leases to core deposits | 46.3673% | 4,980 |
| Total domestic deposits to total assets | 85.2829% | 2,564 |
| Equity capital to assets | 13.6988% | 1,128 |
| Core capital (leverage) ratio | 13.5998% | 1,059 |
| Tier 1 risk-based capital ratio | 22.1178% | 1,040 |
| Total risk-based capital ratio | 22.8970% | 1,074 |
| Memoranda: | ||
| Average total assets | $164,437,000 | 3,244 |
| Average earning assets | $153,058,000 | 3,234 |
| Average equity | $21,682,500 | 3,008 |
| Average total loans | $60,370,500 | 4,079 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 3,613 |
| Cost of funding earning assets | 0.4773% | 3,499 |
| Net interest margin | 3.6646% | 3,178 |
| Noninterest income to average assets | 0.5279% | 2,670 |
| Noninterest expense to average assets | 2.5056% | 3,597 |
| Loan and lease loss provision to assets | 0.0941% | 2,269 |
| Net operating income to assets | 1.1622% | 2,340 |
| Return on assets (ROA) | 1.1605% | 2,341 |
| Pretax return on assets | 1.3331% | 2,389 |
| Return on Equity (ROE) | 9.0255% | 2,983 |
| Retained earnings to average equity (ytd only) | 5.9454% | 2,224 |
| Net charge-offs to loans | 0.2257% | 863 |
| Credit loss provision to net charge-offs | 115.3846% | 2,248 |
| Earnings coverage of net charge-offs (x) | 17.5154% | 2,190 |
| Efficiency ratio | 63.6784% | 3,227 |
| Assets per employee ($millions) | 4.5908% | 3,031 |
| Cash dividends to net income (ytd only)* | 34.1266% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 2,680 |
| Loan loss allowance to noncurrent loans | 165.1270% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 3,310 |
| Noncurrent loans to loans | 0.7128% | 2,208 |
| Net loans and leases to total assets | 36.3234% | 5,062 |
| Net loans and leases to deposits | 42.1483% | 5,076 |
| Net loans and leases to core deposits | 45.5508% | 5,047 |
| Total domestic deposits to total assets | 86.1800% | 2,140 |
| Equity capital to assets | 12.6782% | 1,498 |
| Core capital (leverage) ratio | 13.7512% | 997 |
| Tier 1 risk-based capital ratio | 21.8257% | 1,052 |
| Total risk-based capital ratio | 22.5417% | 1,105 |
| Memoranda: | ||
| Average total assets | $159,323,200 | 3,288 |
| Average earning assets | $148,119,200 | 3,271 |
| Average equity | $20,486,400 | 3,049 |
| Average total loans | $57,600,800 | 4,151 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 3,585 |
| Cost of funding earning assets | 0.4656% | 3,418 |
| Net interest margin | 3.6487% | 3,202 |
| Noninterest income to average assets | 0.4874% | 2,938 |
| Noninterest expense to average assets | 2.5359% | 3,488 |
| Loan and lease loss provision to assets | 0.0760% | 2,440 |
| Net operating income to assets | 1.1201% | 2,577 |
| Return on assets (ROA) | 1.1201% | 2,589 |
| Pretax return on assets | 1.2713% | 2,720 |
| Return on Equity (ROE) | 8.6793% | 3,250 |
| Retained earnings to average equity (ytd only) | 8.6793% | 1,353 |
| Net charge-offs to loans | 0.2605% | 639 |
| Credit loss provision to net charge-offs | 81.0811% | 2,517 |
| Earnings coverage of net charge-offs (x) | 14.3690% | 2,288 |
| Efficiency ratio | 65.3035% | 2,983 |
| Assets per employee ($millions) | 4.4332% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 2,841 |
| Loan loss allowance to noncurrent loans | 192.0228% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 3,587 |
| Noncurrent loans to loans | 0.6045% | 2,568 |
| Net loans and leases to total assets | 35.9594% | 5,144 |
| Net loans and leases to deposits | 41.7529% | 5,160 |
| Net loans and leases to core deposits | 45.4322% | 5,127 |
| Total domestic deposits to total assets | 86.1242% | 2,129 |
| Equity capital to assets | 12.7285% | 1,447 |
| Core capital (leverage) ratio | 13.7437% | 1,014 |
| Tier 1 risk-based capital ratio | 22.3797% | 1,002 |
| Total risk-based capital ratio | 23.0684% | 1,054 |
| Memoranda: | ||
| Average total assets | $157,837,000 | 3,335 |
| Average earning assets | $146,899,750 | 3,319 |
| Average equity | $20,369,750 | 3,083 |
| Average total loans | $56,814,500 | 4,213 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0378% | 3,657 |
| Cost of funding earning assets | 0.4420% | 3,413 |
| Net interest margin | 3.5958% | 3,325 |
| Noninterest income to average assets | 0.5202% | 2,750 |
| Noninterest expense to average assets | 2.5208% | 3,577 |
| Loan and lease loss provision to assets | 0.0636% | 2,629 |
| Net operating income to assets | 1.1408% | 2,431 |
| Return on assets (ROA) | 1.1408% | 2,440 |
| Pretax return on assets | 1.2782% | 2,598 |
| Return on Equity (ROE) | 8.7992% | 3,112 |
| Retained earnings to average equity (ytd only) | 8.7992% | 1,275 |
| Net charge-offs to loans | 0.1525% | 1,011 |
| Credit loss provision to net charge-offs | 116.2791% | 1,828 |
| Earnings coverage of net charge-offs (x) | 24.5349% | 1,676 |
| Efficiency ratio | 65.2618% | 3,105 |
| Assets per employee ($millions) | 4.4758% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 2,495 |
| Loan loss allowance to noncurrent loans | 159.9089% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 3,434 |
| Noncurrent loans to loans | 0.7748% | 2,187 |
| Net loans and leases to total assets | 34.7272% | 5,218 |
| Net loans and leases to deposits | 40.3700% | 5,236 |
| Net loans and leases to core deposits | 43.9671% | 5,197 |
| Total domestic deposits to total assets | 86.0225% | 2,267 |
| Equity capital to assets | 12.7189% | 1,429 |
| Core capital (leverage) ratio | 13.8133% | 957 |
| Tier 1 risk-based capital ratio | 22.1411% | 1,021 |
| Total risk-based capital ratio | 22.8649% | 1,060 |
| Memoranda: | ||
| Average total assets | $157,251,330 | 3,355 |
| Average earning assets | $146,168,670 | 3,344 |
| Average equity | $20,388,330 | 3,094 |
| Average total loans | $56,398,330 | 4,254 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0267% | 3,516 |
| Cost of funding earning assets | 0.4394% | 3,292 |
| Net interest margin | 3.5873% | 3,230 |
| Noninterest income to average assets | 0.5589% | 2,477 |
| Noninterest expense to average assets | 2.5059% | 3,621 |
| Loan and lease loss provision to assets | 0.0953% | 1,921 |
| Net operating income to assets | 1.1306% | 2,285 |
| Return on assets (ROA) | 1.1306% | 2,304 |
| Pretax return on assets | 1.2800% | 2,439 |
| Return on Equity (ROE) | 8.6351% | 3,096 |
| Retained earnings to average equity (ytd only) | 8.6351% | 1,608 |
| Net charge-offs to loans | 0.1208% | 1,059 |
| Credit loss provision to net charge-offs | 217.6471% | 990 |
| Earnings coverage of net charge-offs (x) | 31.4118% | 1,214 |
| Efficiency ratio | 64.5654% | 3,393 |
| Assets per employee ($millions) | 4.5495% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 2,381 |
| Loan loss allowance to noncurrent loans | 156.4551% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.3620% | 3,389 |
| Noncurrent loans to loans | 0.8138% | 2,186 |
| Net loans and leases to total assets | 35.8410% | 5,213 |
| Net loans and leases to deposits | 41.6930% | 5,230 |
| Net loans and leases to core deposits | 45.4739% | 5,179 |
| Total domestic deposits to total assets | 85.9642% | 2,561 |
| Equity capital to assets | 12.9956% | 1,247 |
| Core capital (leverage) ratio | 13.5465% | 994 |
| Tier 1 risk-based capital ratio | 22.0474% | 1,044 |
| Total risk-based capital ratio | 22.7975% | 1,093 |
| Memoranda: | ||
| Average total assets | $155,312,000 | 3,415 |
| Average earning assets | $143,840,000 | 3,410 |
| Average equity | $20,335,500 | 3,127 |
| Average total loans | $56,268,500 | 4,300 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1098% | 3,024 |
| Cost of funding earning assets | 0.3905% | 3,328 |
| Net interest margin | 3.7193% | 2,725 |
| Noninterest income to average assets | 0.3938% | 3,677 |
| Noninterest expense to average assets | 2.5374% | 3,651 |
| Loan and lease loss provision to assets | 0.1837% | 1,161 |
| Net operating income to assets | 0.9173% | 2,613 |
| Return on assets (ROA) | 0.9407% | 2,524 |
| Pretax return on assets | 1.1542% | 2,967 |
| Return on Equity (ROE) | 6.7705% | 3,402 |
| Retained earnings to average equity (ytd only) | 3.9706% | 2,813 |
| Net charge-offs to loans | 0.1812% | 1,383 |
| Credit loss provision to net charge-offs | 282.2917% | 996 |
| Earnings coverage of net charge-offs (x) | 20.1250% | 1,985 |
| Efficiency ratio | 65.9619% | 3,276 |
| Assets per employee ($millions) | 4.5865% | 3,052 |
| Cash dividends to net income (ytd only)* | 41.3545% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 2,584 |
| Loan loss allowance to noncurrent loans | 88.4224% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.5265% | 2,797 |
| Noncurrent loans to loans | 1.3941% | 1,232 |
| Net loans and leases to total assets | 35.7103% | 5,297 |
| Net loans and leases to deposits | 41.6193% | 5,305 |
| Net loans and leases to core deposits | 45.3588% | 5,253 |
| Total domestic deposits to total assets | 85.8023% | 2,533 |
| Equity capital to assets | 13.1902% | 1,172 |
| Core capital (leverage) ratio | 13.9657% | 842 |
| Tier 1 risk-based capital ratio | 21.4270% | 1,077 |
| Total risk-based capital ratio | 22.1507% | 1,139 |
| Memoranda: | ||
| Average total assets | $147,552,400 | 3,497 |
| Average earning assets | $136,989,400 | 3,492 |
| Average equity | $20,500,600 | 3,082 |
| Average total loans | $52,977,600 | 4,388 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1336% | 2,858 |
| Cost of funding earning assets | 0.3924% | 3,273 |
| Net interest margin | 3.7411% | 2,613 |
| Noninterest income to average assets | 0.4363% | 3,433 |
| Noninterest expense to average assets | 2.6023% | 3,404 |
| Loan and lease loss provision to assets | 0.2282% | 800 |
| Net operating income to assets | 1.0553% | 2,308 |
| Return on assets (ROA) | 1.0926% | 2,175 |
| Pretax return on assets | 1.1220% | 3,226 |
| Return on Equity (ROE) | 7.7589% | 3,257 |
| Retained earnings to average equity (ytd only) | 7.7589% | 1,321 |
| Net charge-offs to loans | 0.0512% | 2,410 |
| Credit loss provision to net charge-offs | 1,245.0000% | 297 |
| Earnings coverage of net charge-offs (x) | 71.5392% | 877 |
| Efficiency ratio | 66.4871% | 3,125 |
| Assets per employee ($millions) | 4.2958% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 2,105 |
| Loan loss allowance to noncurrent loans | 123.5585% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 2,860 |
| Noncurrent loans to loans | 1.0953% | 1,758 |
| Net loans and leases to total assets | 37.4297% | 5,289 |
| Net loans and leases to deposits | 44.4460% | 5,304 |
| Net loans and leases to core deposits | 48.8793% | 5,236 |
| Total domestic deposits to total assets | 84.2138% | 3,039 |
| Equity capital to assets | 14.6456% | 820 |
| Core capital (leverage) ratio | 14.3800% | 798 |
| Tier 1 risk-based capital ratio | 22.6762% | 973 |
| Total risk-based capital ratio | 23.4878% | 1,002 |
| Memoranda: | ||
| Average total assets | $145,455,250 | 3,564 |
| Average earning assets | $135,215,250 | 3,551 |
| Average equity | $20,483,500 | 3,105 |
| Average total loans | $52,126,500 | 4,442 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0995% | 2,830 |
| Cost of funding earning assets | 0.3897% | 3,183 |
| Net interest margin | 3.7098% | 2,621 |
| Noninterest income to average assets | 0.4778% | 3,162 |
| Noninterest expense to average assets | 2.5638% | 3,538 |
| Loan and lease loss provision to assets | 0.2589% | 637 |
| Net operating income to assets | 1.0619% | 2,159 |
| Return on assets (ROA) | 1.1180% | 1,942 |
| Pretax return on assets | 1.1470% | 2,989 |
| Return on Equity (ROE) | 8.0472% | 3,003 |
| Retained earnings to average equity (ytd only) | 8.0472% | 1,145 |
| Net charge-offs to loans | 0.0196% | 2,851 |
| Credit loss provision to net charge-offs | 3,760.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 195.8000% | 418 |
| Efficiency ratio | 65.5403% | 3,426 |
| Assets per employee ($millions) | 4.5344% | 3,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 2,309 |
| Loan loss allowance to noncurrent loans | 126.2590% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.5493% | 2,933 |
| Noncurrent loans to loans | 1.0461% | 1,874 |
| Net loans and leases to total assets | 36.1449% | 5,377 |
| Net loans and leases to deposits | 42.8934% | 5,371 |
| Net loans and leases to core deposits | 47.0850% | 5,312 |
| Total domestic deposits to total assets | 84.2669% | 3,103 |
| Equity capital to assets | 14.5346% | 815 |
| Core capital (leverage) ratio | 14.1411% | 820 |
| Tier 1 risk-based capital ratio | 22.5192% | 992 |
| Total risk-based capital ratio | 23.2875% | 1,031 |
| Memoranda: | ||
| Average total assets | $145,254,330 | 3,579 |
| Average earning assets | $134,455,670 | 3,584 |
| Average equity | $20,181,000 | 3,141 |
| Average total loans | $51,029,000 | 4,498 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0478% | 2,863 |
| Cost of funding earning assets | 0.3737% | 3,267 |
| Net interest margin | 3.6741% | 2,580 |
| Noninterest income to average assets | 0.4844% | 3,077 |
| Noninterest expense to average assets | 2.5762% | 3,570 |
| Loan and lease loss provision to assets | 0.1569% | 1,154 |
| Net operating income to assets | 1.1037% | 1,853 |
| Return on assets (ROA) | 1.1037% | 1,895 |
| Pretax return on assets | 1.1340% | 2,844 |
| Return on Equity (ROE) | 8.1312% | 2,847 |
| Retained earnings to average equity (ytd only) | 8.1312% | 1,404 |
| Net charge-offs to loans | -0.0640% | 5,291 |
| Credit loss provision to net charge-offs | -712.5000% | 4,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6192% | 3,395 |
| Assets per employee ($millions) | 4.5704% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 3,432 |
| Loan loss allowance to noncurrent loans | 143.0318% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4444% | 3,412 |
| Noncurrent loans to loans | 0.8017% | 2,451 |
| Net loans and leases to total assets | 34.4804% | 5,456 |
| Net loans and leases to deposits | 40.5573% | 5,455 |
| Net loans and leases to core deposits | 44.2360% | 5,407 |
| Total domestic deposits to total assets | 85.0165% | 3,085 |
| Equity capital to assets | 13.7466% | 988 |
| Core capital (leverage) ratio | 13.9425% | 862 |
| Tier 1 risk-based capital ratio | 22.1070% | 1,075 |
| Total risk-based capital ratio | 22.7484% | 1,131 |
| Memoranda: | ||
| Average total assets | $145,330,500 | 3,610 |
| Average earning assets | $133,802,000 | 3,630 |
| Average equity | $19,726,500 | 3,202 |
| Average total loans | $49,969,000 | 4,564 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9450% | 3,404 |
| Cost of funding earning assets | 0.4118% | 2,890 |
| Net interest margin | 3.5332% | 3,306 |
| Noninterest income to average assets | 0.4140% | 3,782 |
| Noninterest expense to average assets | 2.6328% | 3,577 |
| Loan and lease loss provision to assets | 0.0566% | 3,250 |
| Net operating income to assets | 0.9349% | 2,650 |
| Return on assets (ROA) | 0.9349% | 2,760 |
| Pretax return on assets | 0.9731% | 3,576 |
| Return on Equity (ROE) | 6.5114% | 3,734 |
| Retained earnings to average equity (ytd only) | 3.9631% | 3,102 |
| Net charge-offs to loans | 0.3670% | 741 |
| Credit loss provision to net charge-offs | 45.4545% | 3,433 |
| Earnings coverage of net charge-offs (x) | 8.2670% | 2,891 |
| Efficiency ratio | 71.8841% | 2,602 |
| Assets per employee ($millions) | 4.2473% | 3,531 |
| Cash dividends to net income (ytd only)* | 39.1370% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 3,947 |
| Loan loss allowance to noncurrent loans | 109.0336% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 3,273 |
| Noncurrent loans to loans | 0.9729% | 2,147 |
| Net loans and leases to total assets | 33.5198% | 5,558 |
| Net loans and leases to deposits | 39.0874% | 5,572 |
| Net loans and leases to core deposits | 43.0018% | 5,519 |
| Total domestic deposits to total assets | 85.7562% | 2,696 |
| Equity capital to assets | 13.3982% | 1,090 |
| Core capital (leverage) ratio | 14.2030% | 763 |
| Tier 1 risk-based capital ratio | 22.5412% | 1,008 |
| Total risk-based capital ratio | 23.1332% | 1,074 |
| Memoranda: | ||
| Average total assets | $141,294,600 | 3,650 |
| Average earning assets | $129,910,200 | 3,646 |
| Average equity | $20,287,400 | 3,139 |
| Average total loans | $47,962,200 | 4,634 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9622% | 3,363 |
| Cost of funding earning assets | 0.4295% | 2,741 |
| Net interest margin | 3.5327% | 3,350 |
| Noninterest income to average assets | 0.4934% | 3,299 |
| Noninterest expense to average assets | 2.6957% | 3,360 |
| Loan and lease loss provision to assets | 0.0304% | 3,629 |
| Net operating income to assets | 0.9707% | 2,568 |
| Return on assets (ROA) | 0.9707% | 2,702 |
| Pretax return on assets | 1.0219% | 3,543 |
| Return on Equity (ROE) | 6.6463% | 3,752 |
| Retained earnings to average equity (ytd only) | 6.6463% | 1,818 |
| Net charge-offs to loans | 0.3688% | 603 |
| Credit loss provision to net charge-offs | 24.2424% | 3,264 |
| Earnings coverage of net charge-offs (x) | 8.4013% | 2,772 |
| Efficiency ratio | 71.9241% | 2,591 |
| Assets per employee ($millions) | 4.6307% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 3,962 |
| Loan loss allowance to noncurrent loans | 69.7297% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.1380% | 1,773 |
| Noncurrent loans to loans | 1.5458% | 1,400 |
| Net loans and leases to total assets | 34.0889% | 5,620 |
| Net loans and leases to deposits | 40.8504% | 5,612 |
| Net loans and leases to core deposits | 45.1953% | 5,543 |
| Total domestic deposits to total assets | 83.4483% | 3,426 |
| Equity capital to assets | 15.2654% | 681 |
| Core capital (leverage) ratio | 14.4335% | 735 |
| Tier 1 risk-based capital ratio | 23.8033% | 919 |
| Total risk-based capital ratio | 24.4181% | 970 |
| Memoranda: | ||
| Average total assets | $140,516,500 | 3,685 |
| Average earning assets | $129,455,000 | 3,677 |
| Average equity | $20,522,250 | 3,143 |
| Average total loans | $47,721,750 | 4,677 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9431% | 3,457 |
| Cost of funding earning assets | 0.4535% | 2,538 |
| Net interest margin | 3.4896% | 3,526 |
| Noninterest income to average assets | 0.5062% | 3,151 |
| Noninterest expense to average assets | 2.7296% | 3,274 |
| Loan and lease loss provision to assets | 0.0227% | 3,673 |
| Net operating income to assets | 0.9203% | 2,768 |
| Return on assets (ROA) | 0.9203% | 2,905 |
| Pretax return on assets | 0.9727% | 3,693 |
| Return on Equity (ROE) | 6.3960% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.3960% | 1,920 |
| Net charge-offs to loans | 0.5076% | 429 |
| Credit loss provision to net charge-offs | 13.2231% | 2,975 |
| Earnings coverage of net charge-offs (x) | 5.8017% | 2,818 |
| Efficiency ratio | 73.2775% | 2,472 |
| Assets per employee ($millions) | 4.0366% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 4,029 |
| Loan loss allowance to noncurrent loans | 89.0435% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.2299% | 1,670 |
| Noncurrent loans to loans | 1.2182% | 1,884 |
| Net loans and leases to total assets | 34.0175% | 5,675 |
| Net loans and leases to deposits | 40.8107% | 5,661 |
| Net loans and leases to core deposits | 46.0951% | 5,562 |
| Total domestic deposits to total assets | 83.3545% | 3,520 |
| Equity capital to assets | 15.3143% | 667 |
| Core capital (leverage) ratio | 14.2412% | 763 |
| Tier 1 risk-based capital ratio | 23.5525% | 958 |
| Total risk-based capital ratio | 24.1675% | 1,006 |
| Memoranda: | ||
| Average total assets | $141,048,000 | 3,696 |
| Average earning assets | $130,101,330 | 3,688 |
| Average equity | $20,294,000 | 3,167 |
| Average total loans | $47,671,330 | 4,720 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8812% | 3,656 |
| Cost of funding earning assets | 0.4704% | 2,366 |
| Net interest margin | 3.4109% | 3,835 |
| Noninterest income to average assets | 0.4953% | 3,152 |
| Noninterest expense to average assets | 2.5967% | 3,758 |
| Loan and lease loss provision to assets | 0.0112% | 3,544 |
| Net operating income to assets | 0.9794% | 2,373 |
| Return on assets (ROA) | 0.9794% | 2,486 |
| Pretax return on assets | 1.0325% | 3,351 |
| Return on Equity (ROE) | 7.0239% | 3,439 |
| Retained earnings to average equity (ytd only) | 7.0239% | 1,876 |
| Net charge-offs to loans | 0.8015% | 254 |
| Credit loss provision to net charge-offs | 4.1667% | 2,401 |
| Earnings coverage of net charge-offs (x) | 3.8854% | 2,493 |
| Efficiency ratio | 71.3297% | 2,897 |
| Assets per employee ($millions) | 4.1227% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 3,939 |
| Loan loss allowance to noncurrent loans | 90.0344% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.2527% | 1,735 |
| Noncurrent loans to loans | 1.2452% | 1,944 |
| Net loans and leases to total assets | 32.9695% | 5,751 |
| Net loans and leases to deposits | 40.6849% | 5,689 |
| Net loans and leases to core deposits | 45.8150% | 5,598 |
| Total domestic deposits to total assets | 81.0362% | 4,485 |
| Equity capital to assets | 14.4201% | 854 |
| Core capital (leverage) ratio | 13.6976% | 911 |
| Tier 1 risk-based capital ratio | 22.8213% | 1,031 |
| Total risk-based capital ratio | 23.4407% | 1,117 |
| Memoranda: | ||
| Average total assets | $142,950,000 | 3,688 |
| Average earning assets | $131,814,500 | 3,691 |
| Average equity | $19,932,000 | 3,208 |
| Average total loans | $47,907,500 | 4,740 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9960% | 3,324 |
| Cost of funding earning assets | 0.4257% | 2,891 |
| Net interest margin | 3.5704% | 3,241 |
| Noninterest income to average assets | 0.4755% | 3,496 |
| Noninterest expense to average assets | 2.7054% | 3,564 |
| Loan and lease loss provision to assets | 0.0073% | 4,252 |
| Net operating income to assets | 1.0061% | 2,332 |
| Return on assets (ROA) | 1.0061% | 2,421 |
| Pretax return on assets | 1.0547% | 3,248 |
| Return on Equity (ROE) | 7.0867% | 3,467 |
| Retained earnings to average equity (ytd only) | 4.5347% | 2,759 |
| Net charge-offs to loans | 0.0761% | 2,739 |
| Credit loss provision to net charge-offs | 28.5714% | 3,673 |
| Earnings coverage of net charge-offs (x) | 41.2857% | 1,146 |
| Efficiency ratio | 71.8104% | 2,936 |
| Assets per employee ($millions) | 4.2861% | 3,417 |
| Cash dividends to net income (ytd only)* | 36.0117% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 3,149 |
| Loan loss allowance to noncurrent loans | 90.4412% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.0218% | 2,151 |
| Noncurrent loans to loans | 1.3856% | 1,693 |
| Net loans and leases to total assets | 33.2551% | 5,797 |
| Net loans and leases to deposits | 40.4076% | 5,759 |
| Net loans and leases to core deposits | 45.1881% | 5,676 |
| Total domestic deposits to total assets | 82.2992% | 4,085 |
| Equity capital to assets | 13.4847% | 1,134 |
| Core capital (leverage) ratio | 13.7646% | 891 |
| Tier 1 risk-based capital ratio | 22.0114% | 1,143 |
| Total risk-based capital ratio | 22.7255% | 1,200 |
| Memoranda: | ||
| Average total assets | $136,063,400 | 3,785 |
| Average earning assets | $125,449,200 | 3,781 |
| Average equity | $19,317,800 | 3,241 |
| Average total loans | $46,011,600 | 4,795 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0468% | 3,139 |
| Cost of funding earning assets | 0.4289% | 2,920 |
| Net interest margin | 3.6178% | 3,090 |
| Noninterest income to average assets | 0.4699% | 3,567 |
| Noninterest expense to average assets | 2.7076% | 3,536 |
| Loan and lease loss provision to assets | 0.0100% | 4,070 |
| Net operating income to assets | 1.0206% | 2,375 |
| Return on assets (ROA) | 1.0206% | 2,469 |
| Pretax return on assets | 1.0844% | 3,291 |
| Return on Equity (ROE) | 7.0913% | 3,570 |
| Retained earnings to average equity (ytd only) | 7.0913% | 1,646 |
| Net charge-offs to loans | -0.0206% | 5,219 |
| Credit loss provision to net charge-offs | -142.8571% | 5,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2149% | 3,010 |
| Assets per employee ($millions) | 3.9191% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 2,636 |
| Loan loss allowance to noncurrent loans | 86.0131% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.2053% | 1,960 |
| Noncurrent loans to loans | 1.6186% | 1,527 |
| Net loans and leases to total assets | 34.9751% | 5,819 |
| Net loans and leases to deposits | 43.4682% | 5,740 |
| Net loans and leases to core deposits | 49.3859% | 5,596 |
| Total domestic deposits to total assets | 80.4614% | 4,617 |
| Equity capital to assets | 14.8834% | 768 |
| Core capital (leverage) ratio | 14.2689% | 795 |
| Tier 1 risk-based capital ratio | 23.2835% | 1,022 |
| Total risk-based capital ratio | 24.0854% | 1,058 |
| Memoranda: | ||
| Average total assets | $133,647,250 | 3,869 |
| Average earning assets | $123,091,250 | 3,858 |
| Average equity | $19,234,500 | 3,278 |
| Average total loans | $45,245,250 | 4,870 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9990% | 3,290 |
| Cost of funding earning assets | 0.4218% | 3,022 |
| Net interest margin | 3.5772% | 3,178 |
| Noninterest income to average assets | 0.5023% | 3,357 |
| Noninterest expense to average assets | 2.6536% | 3,737 |
| Loan and lease loss provision to assets | 0.0090% | 3,930 |
| Net operating income to assets | 1.0794% | 2,013 |
| Return on assets (ROA) | 1.0794% | 2,121 |
| Pretax return on assets | 1.1362% | 3,026 |
| Return on Equity (ROE) | 7.5859% | 3,271 |
| Retained earnings to average equity (ytd only) | 7.5859% | 1,434 |
| Net charge-offs to loans | -0.0538% | 5,571 |
| Credit loss provision to net charge-offs | -50.0000% | 4,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8544% | 3,351 |
| Assets per employee ($millions) | 3.5145% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 2,560 |
| Loan loss allowance to noncurrent loans | 57.1552% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 1.4946% | 1,654 |
| Noncurrent loans to loans | 2.5209% | 882 |
| Net loans and leases to total assets | 33.7537% | 5,918 |
| Net loans and leases to deposits | 41.6056% | 5,855 |
| Net loans and leases to core deposits | 47.1873% | 5,717 |
| Total domestic deposits to total assets | 81.1277% | 4,579 |
| Equity capital to assets | 14.2943% | 880 |
| Core capital (leverage) ratio | 14.0265% | 829 |
| Tier 1 risk-based capital ratio | 23.0990% | 1,069 |
| Total risk-based capital ratio | 23.9086% | 1,100 |
| Memoranda: | ||
| Average total assets | $133,780,000 | 3,895 |
| Average earning assets | $123,279,330 | 3,891 |
| Average equity | $19,035,330 | 3,312 |
| Average total loans | $44,573,000 | 4,928 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9358% | 3,481 |
| Cost of funding earning assets | 0.4179% | 3,105 |
| Net interest margin | 3.5179% | 3,353 |
| Noninterest income to average assets | 0.4063% | 3,952 |
| Noninterest expense to average assets | 2.5871% | 3,985 |
| Loan and lease loss provision to assets | 0.0060% | 3,631 |
| Net operating income to assets | 1.0038% | 2,250 |
| Return on assets (ROA) | 1.0038% | 2,388 |
| Pretax return on assets | 1.0575% | 3,274 |
| Return on Equity (ROE) | 7.0707% | 3,469 |
| Retained earnings to average equity (ytd only) | 7.0707% | 1,981 |
| Net charge-offs to loans | -0.0727% | 5,711 |
| Credit loss provision to net charge-offs | -25.0000% | 4,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8674% | 3,342 |
| Assets per employee ($millions) | 3.9371% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 2,723 |
| Loan loss allowance to noncurrent loans | 90.1662% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.1990% | 2,236 |
| Noncurrent loans to loans | 1.6002% | 1,748 |
| Net loans and leases to total assets | 33.2198% | 5,951 |
| Net loans and leases to deposits | 41.0310% | 5,875 |
| Net loans and leases to core deposits | 46.3779% | 5,738 |
| Total domestic deposits to total assets | 80.9626% | 4,830 |
| Equity capital to assets | 14.4693% | 844 |
| Core capital (leverage) ratio | 13.6351% | 927 |
| Tier 1 risk-based capital ratio | 23.3883% | 1,061 |
| Total risk-based capital ratio | 24.2150% | 1,093 |
| Memoranda: | ||
| Average total assets | $133,895,000 | 3,923 |
| Average earning assets | $123,482,000 | 3,917 |
| Average equity | $19,008,000 | 3,337 |
| Average total loans | $43,991,000 | 4,984 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1235% | 3,231 |
| Cost of funding earning assets | 0.4159% | 3,527 |
| Net interest margin | 3.7076% | 2,983 |
| Noninterest income to average assets | 0.3849% | 4,296 |
| Noninterest expense to average assets | 2.7401% | 3,714 |
| Loan and lease loss provision to assets | 0.0263% | 4,084 |
| Net operating income to assets | 1.0036% | 2,364 |
| Return on assets (ROA) | 1.0643% | 2,170 |
| Pretax return on assets | 1.0991% | 3,088 |
| Return on Equity (ROE) | 7.8018% | 3,228 |
| Retained earnings to average equity (ytd only) | 5.0709% | 2,551 |
| Net charge-offs to loans | -0.1433% | 6,202 |
| Credit loss provision to net charge-offs | -56.6667% | 5,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0528% | 3,199 |
| Assets per employee ($millions) | 3.9390% | 4,090 |
| Cash dividends to net income (ytd only)* | 35.0036% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4955% | 2,502 |
| Loan loss allowance to noncurrent loans | 77.7913% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.3410% | 2,092 |
| Noncurrent loans to loans | 1.9224% | 1,463 |
| Net loans and leases to total assets | 31.5254% | 6,130 |
| Net loans and leases to deposits | 38.6360% | 6,075 |
| Net loans and leases to core deposits | 43.3449% | 5,978 |
| Total domestic deposits to total assets | 81.5959% | 4,570 |
| Equity capital to assets | 13.9233% | 986 |
| Core capital (leverage) ratio | 13.5676% | 952 |
| Tier 1 risk-based capital ratio | 24.0478% | 951 |
| Total risk-based capital ratio | 24.9003% | 971 |
| Memoranda: | ||
| Average total assets | $129,376,600 | 3,984 |
| Average earning assets | $119,267,200 | 3,991 |
| Average equity | $17,649,800 | 3,435 |
| Average total loans | $41,864,800 | 5,112 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1348% | 3,237 |
| Cost of funding earning assets | 0.4174% | 3,608 |
| Net interest margin | 3.7174% | 2,950 |
| Noninterest income to average assets | 0.3473% | 4,662 |
| Noninterest expense to average assets | 2.7354% | 3,692 |
| Loan and lease loss provision to assets | 0.0312% | 3,784 |
| Net operating income to assets | 0.9438% | 2,709 |
| Return on assets (ROA) | 1.0054% | 2,492 |
| Pretax return on assets | 1.0719% | 3,292 |
| Return on Equity (ROE) | 7.4096% | 3,489 |
| Retained earnings to average equity (ytd only) | 7.4096% | 1,614 |
| Net charge-offs to loans | 0.0256% | 3,990 |
| Credit loss provision to net charge-offs | 375.0000% | 747 |
| Earnings coverage of net charge-offs (x) | 124.7076% | 478 |
| Efficiency ratio | 72.4993% | 3,088 |
| Assets per employee ($millions) | 3.7327% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 3,454 |
| Loan loss allowance to noncurrent loans | 58.4189% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 1.3529% | 2,283 |
| Noncurrent loans to loans | 2.2917% | 1,305 |
| Net loans and leases to total assets | 31.2057% | 6,216 |
| Net loans and leases to deposits | 38.2015% | 6,178 |
| Net loans and leases to core deposits | 43.0895% | 6,078 |
| Total domestic deposits to total assets | 81.6872% | 4,590 |
| Equity capital to assets | 13.7123% | 1,105 |
| Core capital (leverage) ratio | 13.6546% | 944 |
| Tier 1 risk-based capital ratio | 23.9927% | 989 |
| Total risk-based capital ratio | 24.7446% | 1,035 |
| Memoranda: | ||
| Average total assets | $128,239,000 | 4,038 |
| Average earning assets | $118,181,500 | 4,034 |
| Average equity | $17,400,500 | 3,483 |
| Average total loans | $41,615,500 | 5,168 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1876% | 2,998 |
| Cost of funding earning assets | 0.4203% | 3,653 |
| Net interest margin | 3.7673% | 2,681 |
| Noninterest income to average assets | 0.3011% | 5,001 |
| Noninterest expense to average assets | 2.7101% | 3,822 |
| Loan and lease loss provision to assets | 0.0444% | 3,431 |
| Net operating income to assets | 0.9520% | 2,545 |
| Return on assets (ROA) | 0.9937% | 2,419 |
| Pretax return on assets | 1.0571% | 3,249 |
| Return on Equity (ROE) | 7.3511% | 3,447 |
| Retained earnings to average equity (ytd only) | 7.3511% | 1,587 |
| Net charge-offs to loans | 0.0726% | 2,976 |
| Credit loss provision to net charge-offs | 186.6667% | 1,236 |
| Earnings coverage of net charge-offs (x) | 44.4667% | 980 |
| Efficiency ratio | 71.9394% | 3,355 |
| Assets per employee ($millions) | 3.7403% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 3,750 |
| Loan loss allowance to noncurrent loans | 52.8302% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 1.5467% | 2,104 |
| Noncurrent loans to loans | 2.4996% | 1,243 |
| Net loans and leases to total assets | 32.9061% | 6,204 |
| Net loans and leases to deposits | 40.6534% | 6,125 |
| Net loans and leases to core deposits | 46.4925% | 5,974 |
| Total domestic deposits to total assets | 80.9430% | 5,000 |
| Equity capital to assets | 14.1329% | 921 |
| Core capital (leverage) ratio | 14.1113% | 802 |
| Tier 1 risk-based capital ratio | 23.9352% | 997 |
| Total risk-based capital ratio | 24.6876% | 1,038 |
| Memoranda: | ||
| Average total assets | $126,193,330 | 4,112 |
| Average earning assets | $116,105,670 | 4,107 |
| Average equity | $17,058,670 | 3,538 |
| Average total loans | $41,320,000 | 5,217 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1943% | 2,904 |
| Cost of funding earning assets | 0.4184% | 3,778 |
| Net interest margin | 3.7759% | 2,568 |
| Noninterest income to average assets | 0.3532% | 4,550 |
| Noninterest expense to average assets | 2.6570% | 4,090 |
| Loan and lease loss provision to assets | 0.0191% | 3,578 |
| Net operating income to assets | 1.0851% | 1,875 |
| Return on assets (ROA) | 1.0851% | 1,938 |
| Pretax return on assets | 1.1519% | 2,690 |
| Return on Equity (ROE) | 8.2161% | 2,832 |
| Retained earnings to average equity (ytd only) | 8.2161% | 1,527 |
| Net charge-offs to loans | 0.0294% | 2,995 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 122.6667% | 394 |
| Efficiency ratio | 69.4098% | 3,933 |
| Assets per employee ($millions) | 3.5864% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 3,905 |
| Loan loss allowance to noncurrent loans | 63.6574% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 1.2970% | 2,699 |
| Noncurrent loans to loans | 2.1054% | 1,746 |
| Net loans and leases to total assets | 32.2546% | 6,256 |
| Net loans and leases to deposits | 39.5304% | 6,186 |
| Net loans and leases to core deposits | 45.5550% | 6,014 |
| Total domestic deposits to total assets | 81.5946% | 5,062 |
| Equity capital to assets | 13.6118% | 1,073 |
| Core capital (leverage) ratio | 13.7986% | 892 |
| Tier 1 risk-based capital ratio | 24.0687% | 995 |
| Total risk-based capital ratio | 24.8239% | 1,046 |
| Memoranda: | ||
| Average total assets | $125,704,500 | 4,149 |
| Average earning assets | $115,681,500 | 4,148 |
| Average equity | $16,601,500 | 3,604 |
| Average total loans | $40,776,500 | 5,289 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2265% | 3,242 |
| Cost of funding earning assets | 0.4346% | 4,268 |
| Net interest margin | 3.7919% | 2,682 |
| Noninterest income to average assets | 0.1453% | 6,216 |
| Noninterest expense to average assets | 2.6600% | 4,242 |
| Loan and lease loss provision to assets | 0.0580% | 3,983 |
| Net operating income to assets | 0.9438% | 2,594 |
| Return on assets (ROA) | 1.0581% | 2,161 |
| Pretax return on assets | 1.0606% | 3,110 |
| Return on Equity (ROE) | 7.6485% | 3,220 |
| Retained earnings to average equity (ytd only) | 4.9396% | 2,639 |
| Net charge-offs to loans | 0.0849% | 4,024 |
| Credit loss provision to net charge-offs | 208.8235% | 1,104 |
| Earnings coverage of net charge-offs (x) | 36.1765% | 1,035 |
| Efficiency ratio | 72.5936% | 3,369 |
| Assets per employee ($millions) | 3.9339% | 3,991 |
| Cash dividends to net income (ytd only)* | 35.4167% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3501% | 3,893 |
| Loan loss allowance to noncurrent loans | 49.1023% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 1.6070% | 2,310 |
| Noncurrent loans to loans | 2.7495% | 1,301 |
| Net loans and leases to total assets | 31.7502% | 6,400 |
| Net loans and leases to deposits | 38.5303% | 6,347 |
| Net loans and leases to core deposits | 43.7786% | 6,238 |
| Total domestic deposits to total assets | 82.4031% | 4,734 |
| Equity capital to assets | 12.8029% | 1,367 |
| Core capital (leverage) ratio | 14.1365% | 792 |
| Tier 1 risk-based capital ratio | 23.4408% | 1,024 |
| Total risk-based capital ratio | 24.1868% | 1,083 |
| Memoranda: | ||
| Average total assets | $122,479,000 | 4,227 |
| Average earning assets | $113,663,200 | 4,190 |
| Average equity | $16,944,600 | 3,569 |
| Average total loans | $40,057,400 | 5,343 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 3,195 |
| Cost of funding earning assets | 0.4373% | 4,417 |
| Net interest margin | 3.8140% | 2,592 |
| Noninterest income to average assets | 0.0745% | 6,560 |
| Noninterest expense to average assets | 2.6649% | 4,147 |
| Loan and lease loss provision to assets | 0.0756% | 3,545 |
| Net operating income to assets | 0.8281% | 3,208 |
| Return on assets (ROA) | 0.9723% | 2,595 |
| Pretax return on assets | 1.0348% | 3,357 |
| Return on Equity (ROE) | 6.8953% | 3,715 |
| Retained earnings to average equity (ytd only) | 6.8953% | 1,929 |
| Net charge-offs to loans | 0.0568% | 4,091 |
| Credit loss provision to net charge-offs | 405.8824% | 656 |
| Earnings coverage of net charge-offs (x) | 51.3441% | 852 |
| Efficiency ratio | 73.5775% | 3,129 |
| Assets per employee ($millions) | 3.8846% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 3,795 |
| Loan loss allowance to noncurrent loans | 60.5832% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 1.5140% | 2,664 |
| Noncurrent loans to loans | 2.3494% | 1,870 |
| Net loans and leases to total assets | 31.2559% | 6,483 |
| Net loans and leases to deposits | 38.2453% | 6,437 |
| Net loans and leases to core deposits | 43.9409% | 6,306 |
| Total domestic deposits to total assets | 81.7249% | 5,017 |
| Equity capital to assets | 13.3549% | 1,180 |
| Core capital (leverage) ratio | 14.5009% | 735 |
| Tier 1 risk-based capital ratio | 24.1000% | 991 |
| Total risk-based capital ratio | 24.8843% | 1,031 |
| Memoranda: | ||
| Average total assets | $121,627,250 | 4,283 |
| Average earning assets | $113,124,500 | 4,243 |
| Average equity | $17,151,500 | 3,583 |
| Average total loans | $39,942,750 | 5,400 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2980% | 2,958 |
| Cost of funding earning assets | 0.4638% | 4,272 |
| Net interest margin | 3.8342% | 2,429 |
| Noninterest income to average assets | 0.0464% | 6,683 |
| Noninterest expense to average assets | 2.7134% | 3,982 |
| Loan and lease loss provision to assets | 0.0944% | 3,215 |
| Net operating income to assets | 0.7344% | 3,641 |
| Return on assets (ROA) | 0.9508% | 2,714 |
| Pretax return on assets | 1.0155% | 3,434 |
| Return on Equity (ROE) | 6.6224% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.6224% | 2,081 |
| Net charge-offs to loans | -0.0050% | 5,635 |
| Credit loss provision to net charge-offs | -5,700.0000% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5187% | 2,857 |
| Assets per employee ($millions) | 3.7322% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 3,891 |
| Loan loss allowance to noncurrent loans | 47.1369% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 2.4617% | 1,723 |
| Noncurrent loans to loans | 3.0350% | 1,463 |
| Net loans and leases to total assets | 32.7690% | 6,473 |
| Net loans and leases to deposits | 38.3198% | 6,474 |
| Net loans and leases to core deposits | 44.3890% | 6,317 |
| Total domestic deposits to total assets | 85.5145% | 3,633 |
| Equity capital to assets | 13.5628% | 1,101 |
| Core capital (leverage) ratio | 13.9408% | 838 |
| Tier 1 risk-based capital ratio | 23.6949% | 1,031 |
| Total risk-based capital ratio | 24.4901% | 1,081 |
| Memoranda: | ||
| Average total assets | $120,734,330 | 4,331 |
| Average earning assets | $111,680,330 | 4,298 |
| Average equity | $17,335,000 | 3,574 |
| Average total loans | $40,119,000 | 5,421 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2844% | 2,954 |
| Cost of funding earning assets | 0.4682% | 4,394 |
| Net interest margin | 3.8162% | 2,389 |
| Noninterest income to average assets | -0.1417% | 6,933 |
| Noninterest expense to average assets | 2.6593% | 4,213 |
| Loan and lease loss provision to assets | 0.1417% | 2,467 |
| Net operating income to assets | 0.5490% | 4,460 |
| Return on assets (ROA) | 0.9688% | 2,489 |
| Pretax return on assets | 1.0644% | 3,093 |
| Return on Equity (ROE) | 6.5685% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.5685% | 2,383 |
| Net charge-offs to loans | -0.1785% | 6,654 |
| Credit loss provision to net charge-offs | -238.8889% | 5,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1220% | 2,590 |
| Assets per employee ($millions) | 3.8080% | 4,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 4,180 |
| Loan loss allowance to noncurrent loans | 46.7267% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 2.5087% | 1,839 |
| Noncurrent loans to loans | 3.0178% | 1,665 |
| Net loans and leases to total assets | 32.7619% | 6,479 |
| Net loans and leases to deposits | 38.9985% | 6,462 |
| Net loans and leases to core deposits | 44.3928% | 6,293 |
| Total domestic deposits to total assets | 84.0080% | 4,476 |
| Equity capital to assets | 14.6420% | 840 |
| Core capital (leverage) ratio | 13.7075% | 870 |
| Tier 1 risk-based capital ratio | 23.6278% | 1,070 |
| Total risk-based capital ratio | 24.4383% | 1,108 |
| Memoranda: | ||
| Average total assets | $121,386,500 | 4,364 |
| Average earning assets | $112,782,000 | 4,311 |
| Average equity | $17,903,500 | 3,537 |
| Average total loans | $40,326,500 | 5,451 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4037% | 3,794 |
| Cost of funding earning assets | 0.5970% | 4,389 |
| Net interest margin | 3.8068% | 3,197 |
| Noninterest income to average assets | 0.4527% | 4,232 |
| Noninterest expense to average assets | 2.5494% | 4,931 |
| Loan and lease loss provision to assets | 0.1615% | 3,595 |
| Net operating income to assets | 1.2124% | 1,561 |
| Return on assets (ROA) | 1.2124% | 1,724 |
| Pretax return on assets | 1.2952% | 2,427 |
| Return on Equity (ROE) | 8.3439% | 2,938 |
| Retained earnings to average equity (ytd only) | 5.6950% | 2,260 |
| Net charge-offs to loans | 1.0742% | 993 |
| Credit loss provision to net charge-offs | 42.6991% | 4,878 |
| Earnings coverage of net charge-offs (x) | 3.8518% | 3,570 |
| Efficiency ratio | 63.6383% | 4,951 |
| Assets per employee ($millions) | 3.4548% | 5,099 |
| Cash dividends to net income (ytd only)* | 31.7460% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 4,781 |
| Loan loss allowance to noncurrent loans | 54.9569% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 2.4322% | 2,014 |
| Noncurrent loans to loans | 2.3108% | 2,340 |
| Net loans and leases to total assets | 32.7908% | 6,599 |
| Net loans and leases to deposits | 39.1192% | 6,592 |
| Net loans and leases to core deposits | 44.5821% | 6,435 |
| Total domestic deposits to total assets | 83.8229% | 4,399 |
| Equity capital to assets | 14.8572% | 777 |
| Core capital (leverage) ratio | 13.6018% | 912 |
| Tier 1 risk-based capital ratio | 23.3749% | 1,054 |
| Total risk-based capital ratio | 24.1040% | 1,118 |
| Memoranda: | ||
| Average total assets | $119,516,000 | 4,370 |
| Average earning assets | $111,564,600 | 4,302 |
| Average equity | $17,366,000 | 3,564 |
| Average total loans | $42,077,000 | 5,414 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4351% | 3,902 |
| Cost of funding earning assets | 0.6331% | 4,332 |
| Net interest margin | 3.8020% | 3,328 |
| Noninterest income to average assets | 0.4453% | 4,325 |
| Noninterest expense to average assets | 2.4637% | 5,202 |
| Loan and lease loss provision to assets | 0.1779% | 3,362 |
| Net operating income to assets | 1.2453% | 1,588 |
| Return on assets (ROA) | 1.2453% | 1,758 |
| Pretax return on assets | 1.3583% | 2,380 |
| Return on Equity (ROE) | 8.6195% | 2,987 |
| Retained earnings to average equity (ytd only) | 8.6195% | 1,365 |
| Net charge-offs to loans | 0.2945% | 2,964 |
| Credit loss provision to net charge-offs | 169.1489% | 1,647 |
| Earnings coverage of net charge-offs (x) | 14.6064% | 1,825 |
| Efficiency ratio | 61.5944% | 5,217 |
| Assets per employee ($millions) | 3.5129% | 4,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0399% | 2,059 |
| Loan loss allowance to noncurrent loans | 32.8082% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 2.8969% | 1,809 |
| Noncurrent loans to loans | 6.2177% | 636 |
| Net loans and leases to total assets | 33.4916% | 6,682 |
| Net loans and leases to deposits | 40.3226% | 6,665 |
| Net loans and leases to core deposits | 43.5866% | 6,613 |
| Total domestic deposits to total assets | 83.0591% | 4,622 |
| Equity capital to assets | 15.2454% | 763 |
| Core capital (leverage) ratio | 13.9500% | 853 |
| Tier 1 risk-based capital ratio | 24.1438% | 1,004 |
| Total risk-based capital ratio | 25.3645% | 986 |
| Memoranda: | ||
| Average total assets | $119,165,500 | 4,418 |
| Average earning assets | $111,412,500 | 4,353 |
| Average equity | $17,216,250 | 3,618 |
| Average total loans | $42,556,250 | 5,463 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4432% | 4,012 |
| Cost of funding earning assets | 0.6553% | 4,399 |
| Net interest margin | 3.7879% | 3,421 |
| Noninterest income to average assets | 0.4585% | 4,223 |
| Noninterest expense to average assets | 2.3716% | 5,561 |
| Loan and lease loss provision to assets | 0.1915% | 3,179 |
| Net operating income to assets | 1.3051% | 1,427 |
| Return on assets (ROA) | 1.3051% | 1,578 |
| Pretax return on assets | 1.4394% | 2,052 |
| Return on Equity (ROE) | 9.2033% | 2,713 |
| Retained earnings to average equity (ytd only) | 9.2033% | 1,207 |
| Net charge-offs to loans | 0.2087% | 3,319 |
| Credit loss provision to net charge-offs | 253.3333% | 1,133 |
| Earnings coverage of net charge-offs (x) | 21.5778% | 1,334 |
| Efficiency ratio | 59.2530% | 5,702 |
| Assets per employee ($millions) | 3.8551% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9807% | 2,278 |
| Loan loss allowance to noncurrent loans | 36.3913% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 2.6098% | 2,124 |
| Noncurrent loans to loans | 5.4428% | 856 |
| Net loans and leases to total assets | 34.6593% | 6,685 |
| Net loans and leases to deposits | 41.3350% | 6,684 |
| Net loans and leases to core deposits | 46.0940% | 6,568 |
| Total domestic deposits to total assets | 83.8498% | 4,376 |
| Equity capital to assets | 14.7755% | 839 |
| Core capital (leverage) ratio | 13.5987% | 939 |
| Tier 1 risk-based capital ratio | 23.3439% | 1,090 |
| Total risk-based capital ratio | 24.5545% | 1,076 |
| Memoranda: | ||
| Average total assets | $119,074,330 | 4,441 |
| Average earning assets | $111,407,330 | 4,377 |
| Average equity | $16,885,330 | 3,659 |
| Average total loans | $43,130,000 | 5,466 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 3,730 |
| Cost of funding earning assets | 0.6713% | 4,526 |
| Net interest margin | 3.8769% | 3,022 |
| Noninterest income to average assets | 0.3063% | 5,435 |
| Noninterest expense to average assets | 2.3490% | 5,627 |
| Loan and lease loss provision to assets | 0.0673% | 4,569 |
| Net operating income to assets | 1.3361% | 1,363 |
| Return on assets (ROA) | 1.3361% | 1,524 |
| Pretax return on assets | 1.5245% | 1,813 |
| Return on Equity (ROE) | 9.6248% | 2,550 |
| Retained earnings to average equity (ytd only) | 9.6248% | 1,374 |
| Net charge-offs to loans | -0.1194% | 6,853 |
| Credit loss provision to net charge-offs | -153.8462% | 5,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6072% | 5,679 |
| Assets per employee ($millions) | 4.4274% | 3,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8513% | 2,839 |
| Loan loss allowance to noncurrent loans | 55.6944% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 1.8747% | 3,080 |
| Noncurrent loans to loans | 3.3240% | 1,917 |
| Net loans and leases to total assets | 35.5691% | 6,650 |
| Net loans and leases to deposits | 42.0393% | 6,657 |
| Net loans and leases to core deposits | 47.0244% | 6,507 |
| Total domestic deposits to total assets | 84.6092% | 4,214 |
| Equity capital to assets | 14.1209% | 978 |
| Core capital (leverage) ratio | 13.2434% | 1,043 |
| Tier 1 risk-based capital ratio | 22.4764% | 1,211 |
| Total risk-based capital ratio | 23.6202% | 1,206 |
| Memoranda: | ||
| Average total assets | $118,857,000 | 4,474 |
| Average earning assets | $111,430,000 | 4,405 |
| Average equity | $16,499,000 | 3,732 |
| Average total loans | $43,566,000 | 5,487 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9979% | 2,890 |
| Cost of funding earning assets | 0.8545% | 4,439 |
| Net interest margin | 4.1434% | 2,253 |
| Noninterest income to average assets | 0.4010% | 4,609 |
| Noninterest expense to average assets | 2.6824% | 4,814 |
| Loan and lease loss provision to assets | 0.1147% | 5,164 |
| Net operating income to assets | 1.3685% | 1,088 |
| Return on assets (ROA) | 1.3710% | 1,168 |
| Pretax return on assets | 1.4604% | 1,596 |
| Return on Equity (ROE) | 10.1410% | 2,016 |
| Retained earnings to average equity (ytd only) | 7.0679% | 1,471 |
| Net charge-offs to loans | 0.1746% | 4,749 |
| Credit loss provision to net charge-offs | 167.1053% | 1,617 |
| Earnings coverage of net charge-offs (x) | 22.9079% | 1,044 |
| Efficiency ratio | 63.0439% | 5,290 |
| Assets per employee ($millions) | 3.5811% | 4,828 |
| Cash dividends to net income (ytd only)* | 30.3030% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 3,001 |
| Loan loss allowance to noncurrent loans | 294.6360% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.8377% | 4,948 |
| Noncurrent loans to loans | 0.5957% | 5,522 |
| Net loans and leases to total assets | 36.4223% | 6,736 |
| Net loans and leases to deposits | 42.8667% | 6,770 |
| Net loans and leases to core deposits | 46.9593% | 6,691 |
| Total domestic deposits to total assets | 84.9664% | 3,872 |
| Equity capital to assets | 13.6391% | 1,196 |
| Core capital (leverage) ratio | 13.4577% | 984 |
| Tier 1 risk-based capital ratio | 21.7658% | 1,270 |
| Total risk-based capital ratio | 22.8641% | 1,264 |
| Memoranda: | ||
| Average total assets | $110,720,000 | 4,623 |
| Average earning assets | $102,982,600 | 4,562 |
| Average equity | $14,969,000 | 3,913 |
| Average total loans | $43,537,600 | 5,538 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0818% | 2,699 |
| Cost of funding earning assets | 0.8945% | 4,438 |
| Net interest margin | 4.1874% | 2,153 |
| Noninterest income to average assets | 0.4618% | 4,206 |
| Noninterest expense to average assets | 2.7999% | 4,343 |
| Loan and lease loss provision to assets | 0.1298% | 4,808 |
| Net operating income to assets | 1.3289% | 1,311 |
| Return on assets (ROA) | 1.3473% | 1,364 |
| Pretax return on assets | 1.4392% | 1,818 |
| Return on Equity (ROE) | 9.9895% | 2,205 |
| Retained earnings to average equity (ytd only) | 9.9895% | 849 |
| Net charge-offs to loans | 0.2577% | 3,821 |
| Credit loss provision to net charge-offs | 126.1905% | 2,540 |
| Earnings coverage of net charge-offs (x) | 15.0591% | 1,495 |
| Efficiency ratio | 64.3762% | 4,999 |
| Assets per employee ($millions) | 3.4075% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 3,310 |
| Loan loss allowance to noncurrent loans | 193.7173% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 1.0005% | 4,755 |
| Noncurrent loans to loans | 0.8723% | 5,114 |
| Net loans and leases to total assets | 38.2865% | 6,758 |
| Net loans and leases to deposits | 45.8132% | 6,745 |
| Net loans and leases to core deposits | 52.4858% | 6,540 |
| Total domestic deposits to total assets | 83.5709% | 4,447 |
| Equity capital to assets | 14.5019% | 991 |
| Core capital (leverage) ratio | 14.3894% | 796 |
| Tier 1 risk-based capital ratio | 22.1295% | 1,265 |
| Total risk-based capital ratio | 23.2013% | 1,271 |
| Memoranda: | ||
| Average total assets | $108,856,250 | 4,701 |
| Average earning assets | $101,063,250 | 4,640 |
| Average equity | $14,681,750 | 3,985 |
| Average total loans | $43,469,250 | 5,586 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0921% | 2,719 |
| Cost of funding earning assets | 0.9326% | 4,439 |
| Net interest margin | 4.1595% | 2,187 |
| Noninterest income to average assets | 0.5090% | 3,785 |
| Noninterest expense to average assets | 2.8089% | 4,396 |
| Loan and lease loss provision to assets | 0.1635% | 4,297 |
| Net operating income to assets | 1.3167% | 1,279 |
| Return on assets (ROA) | 1.3450% | 1,281 |
| Pretax return on assets | 1.4193% | 1,753 |
| Return on Equity (ROE) | 10.2405% | 2,035 |
| Retained earnings to average equity (ytd only) | 10.2405% | 792 |
| Net charge-offs to loans | 0.4428% | 2,799 |
| Credit loss provision to net charge-offs | 91.6667% | 3,410 |
| Earnings coverage of net charge-offs (x) | 8.7083% | 2,014 |
| Efficiency ratio | 64.3952% | 5,168 |
| Assets per employee ($millions) | 3.4323% | 5,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6497% | 3,494 |
| Loan loss allowance to noncurrent loans | 633.9286% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.8203% | 5,241 |
| Noncurrent loans to loans | 0.2602% | 6,404 |
| Net loans and leases to total assets | 38.5398% | 6,833 |
| Net loans and leases to deposits | 45.5376% | 6,854 |
| Net loans and leases to core deposits | 52.9060% | 6,617 |
| Total domestic deposits to total assets | 84.6329% | 4,058 |
| Equity capital to assets | 13.8858% | 1,137 |
| Core capital (leverage) ratio | 13.7792% | 927 |
| Tier 1 risk-based capital ratio | 21.9700% | 1,262 |
| Total risk-based capital ratio | 23.0166% | 1,264 |
| Memoranda: | ||
| Average total assets | $107,659,330 | 4,766 |
| Average earning assets | $99,722,670 | 4,714 |
| Average equity | $14,140,000 | 4,099 |
| Average total loans | $43,361,670 | 5,641 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0820% | 2,732 |
| Cost of funding earning assets | 0.9539% | 4,538 |
| Net interest margin | 4.1281% | 2,160 |
| Noninterest income to average assets | 0.4279% | 4,475 |
| Noninterest expense to average assets | 2.7662% | 4,581 |
| Loan and lease loss provision to assets | 0.1164% | 4,558 |
| Net operating income to assets | 1.3099% | 1,244 |
| Return on assets (ROA) | 1.3099% | 1,289 |
| Pretax return on assets | 1.3624% | 1,837 |
| Return on Equity (ROE) | 10.2764% | 1,999 |
| Retained earnings to average equity (ytd only) | 10.2764% | 1,053 |
| Net charge-offs to loans | 1.1212% | 1,238 |
| Credit loss provision to net charge-offs | 25.4098% | 4,191 |
| Earnings coverage of net charge-offs (x) | 3.2295% | 2,811 |
| Efficiency ratio | 65.1636% | 5,173 |
| Assets per employee ($millions) | 3.3734% | 5,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 4,430 |
| Loan loss allowance to noncurrent loans | 2,162.0690% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.7772% | 5,353 |
| Noncurrent loans to loans | 0.0672% | 6,873 |
| Net loans and leases to total assets | 39.4186% | 6,818 |
| Net loans and leases to deposits | 46.0186% | 6,847 |
| Net loans and leases to core deposits | 53.5865% | 6,583 |
| Total domestic deposits to total assets | 85.6580% | 3,706 |
| Equity capital to assets | 12.9960% | 1,385 |
| Core capital (leverage) ratio | 13.6230% | 932 |
| Tier 1 risk-based capital ratio | 21.3272% | 1,339 |
| Total risk-based capital ratio | 22.2475% | 1,370 |
| Memoranda: | ||
| Average total assets | $106,573,000 | 4,821 |
| Average earning assets | $98,543,500 | 4,777 |
| Average equity | $13,584,500 | 4,194 |
| Average total loans | $43,523,000 | 5,681 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2740% | 3,243 |
| Cost of funding earning assets | 1.0567% | 5,387 |
| Net interest margin | 4.2173% | 2,116 |
| Noninterest income to average assets | 0.4072% | 4,851 |
| Noninterest expense to average assets | 2.7074% | 4,960 |
| Loan and lease loss provision to assets | 0.2354% | 4,925 |
| Net operating income to assets | 1.3370% | 1,090 |
| Return on assets (ROA) | 1.4058% | 1,013 |
| Pretax return on assets | 1.4231% | 1,585 |
| Return on Equity (ROE) | 10.6053% | 1,720 |
| Retained earnings to average equity (ytd only) | 6.0342% | 1,798 |
| Net charge-offs to loans | 0.2298% | 4,903 |
| Credit loss provision to net charge-offs | 246.4646% | 1,166 |
| Earnings coverage of net charge-offs (x) | 16.6364% | 1,197 |
| Efficiency ratio | 63.0137% | 5,509 |
| Assets per employee ($millions) | 3.2874% | 5,460 |
| Cash dividends to net income (ytd only)* | 43.1023% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6368% | 3,437 |
| Loan loss allowance to noncurrent loans | 359.0000% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.9744% | 5,059 |
| Noncurrent loans to loans | 0.4559% | 6,135 |
| Net loans and leases to total assets | 41.0173% | 6,900 |
| Net loans and leases to deposits | 47.3868% | 6,979 |
| Net loans and leases to core deposits | 53.7756% | 6,824 |
| Total domestic deposits to total assets | 86.5586% | 3,051 |
| Equity capital to assets | 12.4909% | 1,639 |
| Core capital (leverage) ratio | 13.7407% | 916 |
| Tier 1 risk-based capital ratio | 20.6438% | 1,374 |
| Total risk-based capital ratio | 21.6891% | 1,391 |
| Memoranda: | ||
| Average total assets | $103,643,400 | 4,884 |
| Average earning assets | $95,581,600 | 4,843 |
| Average equity | $13,738,400 | 4,202 |
| Average total loans | $43,073,400 | 5,785 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3004% | 3,356 |
| Cost of funding earning assets | 1.0817% | 5,539 |
| Net interest margin | 4.2188% | 2,156 |
| Noninterest income to average assets | 0.4210% | 4,793 |
| Noninterest expense to average assets | 2.6884% | 4,933 |
| Loan and lease loss provision to assets | 0.2828% | 4,318 |
| Net operating income to assets | 1.2808% | 1,375 |
| Return on assets (ROA) | 1.3700% | 1,253 |
| Pretax return on assets | 1.4307% | 1,792 |
| Return on Equity (ROE) | 10.1860% | 2,053 |
| Retained earnings to average equity (ytd only) | 8.4579% | 1,252 |
| Net charge-offs to loans | 0.1213% | 5,335 |
| Credit loss provision to net charge-offs | 561.5385% | 515 |
| Earnings coverage of net charge-offs (x) | 32.1787% | 834 |
| Efficiency ratio | 62.3914% | 5,543 |
| Assets per employee ($millions) | 3.2414% | 5,591 |
| Cash dividends to net income (ytd only)* | 16.9649% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7130% | 3,113 |
| Loan loss allowance to noncurrent loans | 178.8599% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 1.0084% | 5,071 |
| Noncurrent loans to loans | 0.9577% | 5,317 |
| Net loans and leases to total assets | 41.6538% | 6,998 |
| Net loans and leases to deposits | 49.4597% | 7,022 |
| Net loans and leases to core deposits | 56.8307% | 6,799 |
| Total domestic deposits to total assets | 84.2177% | 3,996 |
| Equity capital to assets | 14.0691% | 1,147 |
| Core capital (leverage) ratio | 13.5662% | 1,039 |
| Tier 1 risk-based capital ratio | 20.9969% | 1,358 |
| Total risk-based capital ratio | 22.1223% | 1,359 |
| Memoranda: | ||
| Average total assets | $103,255,000 | 4,958 |
| Average earning assets | $95,159,500 | 4,922 |
| Average equity | $13,888,000 | 4,227 |
| Average total loans | $42,875,000 | 5,880 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3018% | 3,463 |
| Cost of funding earning assets | 1.0950% | 5,701 |
| Net interest margin | 4.2069% | 2,138 |
| Noninterest income to average assets | 0.4811% | 4,280 |
| Noninterest expense to average assets | 2.6441% | 5,155 |
| Loan and lease loss provision to assets | 0.3104% | 3,900 |
| Net operating income to assets | 1.3524% | 1,186 |
| Return on assets (ROA) | 1.4879% | 991 |
| Pretax return on assets | 1.5345% | 1,465 |
| Return on Equity (ROE) | 11.2356% | 1,677 |
| Retained earnings to average equity (ytd only) | 11.2356% | 611 |
| Net charge-offs to loans | 0.1882% | 4,479 |
| Credit loss provision to net charge-offs | 400.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 21.9750% | 1,155 |
| Efficiency ratio | 60.7939% | 5,898 |
| Assets per employee ($millions) | 3.7022% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5961% | 3,460 |
| Loan loss allowance to noncurrent loans | 796.5517% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.7322% | 5,662 |
| Noncurrent loans to loans | 0.2004% | 6,854 |
| Net loans and leases to total assets | 41.2166% | 7,083 |
| Net loans and leases to deposits | 48.7222% | 7,125 |
| Net loans and leases to core deposits | 57.1845% | 6,878 |
| Total domestic deposits to total assets | 84.5951% | 3,823 |
| Equity capital to assets | 13.7070% | 1,268 |
| Core capital (leverage) ratio | 13.5768% | 1,035 |
| Tier 1 risk-based capital ratio | 20.6720% | 1,396 |
| Total risk-based capital ratio | 21.7000% | 1,408 |
| Memoranda: | ||
| Average total assets | $103,098,670 | 4,988 |
| Average earning assets | $94,797,330 | 4,968 |
| Average equity | $13,653,000 | 4,281 |
| Average total loans | $42,514,000 | 5,929 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3012% | 3,544 |
| Cost of funding earning assets | 1.0899% | 5,960 |
| Net interest margin | 4.2113% | 1,996 |
| Noninterest income to average assets | 0.4824% | 4,184 |
| Noninterest expense to average assets | 2.6455% | 5,164 |
| Loan and lease loss provision to assets | 0.3385% | 3,359 |
| Net operating income to assets | 1.2402% | 1,430 |
| Return on assets (ROA) | 1.3889% | 1,174 |
| Pretax return on assets | 1.5250% | 1,452 |
| Return on Equity (ROE) | 10.6766% | 1,880 |
| Retained earnings to average equity (ytd only) | 10.6766% | 996 |
| Net charge-offs to loans | 0.4660% | 2,647 |
| Credit loss provision to net charge-offs | 177.5510% | 2,053 |
| Earnings coverage of net charge-offs (x) | 8.9184% | 1,912 |
| Efficiency ratio | 60.8774% | 6,022 |
| Assets per employee ($millions) | 3.2276% | 5,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 4,348 |
| Loan loss allowance to noncurrent loans | 490.3226% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.7668% | 5,616 |
| Noncurrent loans to loans | 0.2883% | 6,752 |
| Net loans and leases to total assets | 41.0497% | 7,175 |
| Net loans and leases to deposits | 48.1194% | 7,229 |
| Net loans and leases to core deposits | 56.6865% | 6,954 |
| Total domestic deposits to total assets | 85.3082% | 3,504 |
| Equity capital to assets | 13.0962% | 1,485 |
| Core capital (leverage) ratio | 13.3086% | 1,126 |
| Tier 1 risk-based capital ratio | 20.1615% | 1,492 |
| Total risk-based capital ratio | 21.0675% | 1,523 |
| Memoranda: | ||
| Average total assets | $102,817,000 | 5,067 |
| Average earning assets | $94,318,000 | 5,036 |
| Average equity | $13,375,000 | 4,384 |
| Average total loans | $42,061,500 | 6,022 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5213% | 4,031 |
| Cost of funding earning assets | 1.2044% | 6,646 |
| Net interest margin | 4.3170% | 1,667 |
| Noninterest income to average assets | 0.5446% | 4,072 |
| Noninterest expense to average assets | 2.8508% | 4,746 |
| Loan and lease loss provision to assets | 0.2739% | 5,219 |
| Net operating income to assets | 1.3524% | 937 |
| Return on assets (ROA) | 1.5711% | 625 |
| Pretax return on assets | 1.6236% | 913 |
| Return on Equity (ROE) | 12.2706% | 1,097 |
| Retained earnings to average equity (ytd only) | 8.7567% | 533 |
| Net charge-offs to loans | 0.5457% | 3,603 |
| Credit loss provision to net charge-offs | 131.6832% | 3,834 |
| Earnings coverage of net charge-offs (x) | 8.0396% | 2,016 |
| Efficiency ratio | 63.0321% | 5,963 |
| Assets per employee ($millions) | 3.3017% | 5,484 |
| Cash dividends to net income (ytd only)* | 28.6370% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 4,268 |
| Loan loss allowance to noncurrent loans | 146.9231% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 1.0102% | 5,097 |
| Noncurrent loans to loans | 0.9485% | 5,412 |
| Net loans and leases to total assets | 39.6133% | 7,370 |
| Net loans and leases to deposits | 46.2299% | 7,430 |
| Net loans and leases to core deposits | 58.1833% | 7,337 |
| Total domestic deposits to total assets | 85.6876% | 3,173 |
| Equity capital to assets | 12.9201% | 1,538 |
| Core capital (leverage) ratio | 13.1394% | 1,207 |
| Tier 1 risk-based capital ratio | 20.1503% | 1,435 |
| Total risk-based capital ratio | 21.0270% | 1,464 |
| Memoranda: | ||
| Average total assets | $97,131,200 | 5,163 |
| Average earning assets | $89,507,400 | 5,139 |
| Average equity | $12,436,200 | 4,648 |
| Average total loans | $37,019,800 | 6,249 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5553% | 4,119 |
| Cost of funding earning assets | 1.2516% | 6,715 |
| Net interest margin | 4.3037% | 1,721 |
| Noninterest income to average assets | 0.5538% | 4,053 |
| Noninterest expense to average assets | 2.8064% | 4,869 |
| Loan and lease loss provision to assets | 0.1809% | 5,556 |
| Net operating income to assets | 1.3808% | 1,064 |
| Return on assets (ROA) | 1.6557% | 650 |
| Pretax return on assets | 1.8561% | 722 |
| Return on Equity (ROE) | 12.9635% | 1,124 |
| Retained earnings to average equity (ytd only) | 12.9635% | 264 |
| Net charge-offs to loans | 0.6223% | 2,810 |
| Credit loss provision to net charge-offs | 77.3810% | 5,824 |
| Earnings coverage of net charge-offs (x) | 7.3930% | 2,412 |
| Efficiency ratio | 61.8902% | 6,136 |
| Assets per employee ($millions) | 3.1380% | 5,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 4,941 |
| Loan loss allowance to noncurrent loans | 57.9853% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 4,602 |
| Noncurrent loans to loans | 2.1253% | 3,477 |
| Net loans and leases to total assets | 37.6727% | 7,562 |
| Net loans and leases to deposits | 44.9084% | 7,599 |
| Net loans and leases to core deposits | 54.4310% | 7,582 |
| Total domestic deposits to total assets | 83.8879% | 3,774 |
| Equity capital to assets | 13.6942% | 1,419 |
| Core capital (leverage) ratio | 13.9690% | 1,097 |
| Tier 1 risk-based capital ratio | 20.8908% | 1,382 |
| Total risk-based capital ratio | 21.6339% | 1,437 |
| Memoranda: | ||
| Average total assets | $95,826,000 | 5,247 |
| Average earning assets | $88,633,750 | 5,208 |
| Average equity | $12,239,250 | 4,735 |
| Average total loans | $35,995,250 | 6,349 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7427% | 3,328 |
| Cost of funding earning assets | 1.3386% | 6,679 |
| Net interest margin | 4.4041% | 1,402 |
| Noninterest income to average assets | 0.5684% | 3,908 |
| Noninterest expense to average assets | 2.9121% | 4,458 |
| Loan and lease loss provision to assets | 0.1273% | 5,829 |
| Net operating income to assets | 1.3715% | 1,080 |
| Return on assets (ROA) | 1.7859% | 517 |
| Pretax return on assets | 2.0404% | 510 |
| Return on Equity (ROE) | 14.3498% | 932 |
| Retained earnings to average equity (ytd only) | 14.3498% | 239 |
| Net charge-offs to loans | 0.1703% | 4,528 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 26.6667% | 1,075 |
| Efficiency ratio | 63.1845% | 6,058 |
| Assets per employee ($millions) | 3.1291% | 5,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 3,379 |
| Loan loss allowance to noncurrent loans | 54.8780% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 1.1015% | 4,754 |
| Noncurrent loans to loans | 2.6722% | 2,697 |
| Net loans and leases to total assets | 38.6522% | 7,614 |
| Net loans and leases to deposits | 45.6276% | 7,650 |
| Net loans and leases to core deposits | 55.3422% | 7,618 |
| Total domestic deposits to total assets | 84.7123% | 3,395 |
| Equity capital to assets | 12.7182% | 1,826 |
| Core capital (leverage) ratio | 13.7044% | 1,210 |
| Tier 1 risk-based capital ratio | 20.9783% | 1,400 |
| Total risk-based capital ratio | 21.8550% | 1,423 |
| Memoranda: | ||
| Average total assets | $94,296,330 | 5,331 |
| Average earning assets | $86,510,330 | 5,320 |
| Average equity | $11,735,330 | 4,883 |
| Average total loans | $35,226,670 | 6,446 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7478% | 3,540 |
| Cost of funding earning assets | 1.3734% | 6,801 |
| Net interest margin | 4.3745% | 1,408 |
| Noninterest income to average assets | 0.6052% | 3,509 |
| Noninterest expense to average assets | 2.9839% | 3,844 |
| Loan and lease loss provision to assets | 0.1270% | 5,333 |
| Net operating income to assets | 1.2572% | 1,487 |
| Return on assets (ROA) | 1.8580% | 529 |
| Pretax return on assets | 2.2136% | 432 |
| Return on Equity (ROE) | 15.0943% | 963 |
| Retained earnings to average equity (ytd only) | 15.0943% | 407 |
| Net charge-offs to loans | -0.0349% | 7,596 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7383% | 5,559 |
| Assets per employee ($millions) | 3.1123% | 5,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 2,673 |
| Loan loss allowance to noncurrent loans | 210.0775% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3299% | 6,527 |
| Noncurrent loans to loans | 0.7451% | 5,566 |
| Net loans and leases to total assets | 36.5064% | 7,712 |
| Net loans and leases to deposits | 42.6187% | 7,765 |
| Net loans and leases to core deposits | 52.4150% | 7,721 |
| Total domestic deposits to total assets | 85.6581% | 2,895 |
| Equity capital to assets | 12.4590% | 1,998 |
| Core capital (leverage) ratio | 13.2026% | 1,416 |
| Tier 1 risk-based capital ratio | 21.4359% | 1,381 |
| Total risk-based capital ratio | 22.3640% | 1,403 |
| Memoranda: | ||
| Average total assets | $94,508,000 | 5,355 |
| Average earning assets | $86,502,000 | 5,333 |
| Average equity | $11,633,500 | 4,942 |
| Average total loans | $34,428,000 | 6,523 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0712% | 5,199 |
| Cost of funding earning assets | 1.7707% | 7,086 |
| Net interest margin | 4.3006% | 1,968 |
| Noninterest income to average assets | 0.5669% | 4,102 |
| Noninterest expense to average assets | 3.2287% | 3,229 |
| Loan and lease loss provision to assets | 0.1142% | 5,911 |
| Net operating income to assets | 1.1873% | 1,813 |
| Return on assets (ROA) | 1.1723% | 1,797 |
| Pretax return on assets | 1.1766% | 2,735 |
| Return on Equity (ROE) | 9.5286% | 2,425 |
| Retained earnings to average equity (ytd only) | 5.8404% | 1,595 |
| Net charge-offs to loans | 0.0204% | 6,576 |
| Credit loss provision to net charge-offs | 1,528.5714% | 285 |
| Earnings coverage of net charge-offs (x) | 174.7143% | 266 |
| Efficiency ratio | 71.2032% | 4,084 |
| Assets per employee ($millions) | 3.1882% | 5,514 |
| Cash dividends to net income (ytd only)* | 38.7067% | 3,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 2,759 |
| Loan loss allowance to noncurrent loans | 494.1748% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 6,931 |
| Noncurrent loans to loans | 0.3009% | 6,478 |
| Net loans and leases to total assets | 35.2540% | 7,857 |
| Net loans and leases to deposits | 40.9639% | 7,924 |
| Net loans and leases to core deposits | 48.7403% | 7,911 |
| Total domestic deposits to total assets | 86.0611% | 2,372 |
| Equity capital to assets | 12.1636% | 2,182 |
| Core capital (leverage) ratio | 12.5355% | 1,737 |
| Tier 1 risk-based capital ratio | 20.6631% | 1,512 |
| Total risk-based capital ratio | 21.5338% | 1,538 |
| Memoranda: | ||
| Average total assets | $93,660,200 | 5,236 |
| Average earning assets | $86,407,400 | 5,212 |
| Average equity | $11,523,200 | 4,963 |
| Average total loans | $34,362,400 | 6,467 |