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 | 4.4509% | 3,187 |
| Cost of funding earning assets | 0.5778% | 4,103 |
| Net interest margin | 3.8731% | 1,432 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 1.9350% | 3,763 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.6518% | 791 |
| Return on assets (ROA) | 1.6503% | 765 |
| Pretax return on assets | 2.1307% | 540 |
| Return on Equity (ROE) | 16.0400% | 1,091 |
| Retained earnings to average equity (ytd only) | 10.3750% | 930 |
| Net charge-offs to loans | 0.0149% | 2,104 |
| Credit loss provision to net charge-offs | 1,400.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 502.5714% | 292 |
| Efficiency ratio | 46.5593% | 4,175 |
| Assets per employee ($millions) | 7.5216% | 1,714 |
| Cash dividends to net income (ytd only)* | 35.3099% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9369% | 428 |
| Loan loss allowance to noncurrent loans | 433.6364% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 2,639 |
| Noncurrent loans to loans | 0.4467% | 1,661 |
| Net loans and leases to total assets | 29.1900% | 4,313 |
| Net loans and leases to deposits | 32.8420% | 4,324 |
| Net loans and leases to core deposits | 34.1857% | 4,362 |
| Total domestic deposits to total assets | 88.8800% | 1,101 |
| Equity capital to assets | 10.8578% | 1,550 |
| Core capital (leverage) ratio | 14.0537% | 794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $158,396,800 | 3,288 |
| Average earning assets | $149,183,800 | 3,255 |
| Average equity | $16,298,800 | 3,155 |
| Average total loans | $46,828,800 | 3,887 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10,509.0000% | 30 |
| Cost of funding earning assets | 40.0000% | 28 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 1.6676% | 835 |
| Pretax return on assets | 2.1469% | 599 |
| Return on Equity (ROE) | 16.4500% | 1,176 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0009% | 2,612 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | 0.0511% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 49.0000% | 4,500 |
| Equity capital to assets | 5,289.0000% | 30 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $585,000 | 4,630 |
| Average earning assets | $14,244 | 4,582 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2959% | 3,109 |
| Cost of funding earning assets | 0.4539% | 4,077 |
| Net interest margin | 3.8420% | 1,540 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 1.9337% | 3,748 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.6966% | 788 |
| Return on assets (ROA) | 1.6936% | 796 |
| Pretax return on assets | 2.1662% | 562 |
| Return on Equity (ROE) | 16.5200% | 1,180 |
| Retained earnings to average equity (ytd only) | 16.5158% | 426 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.5417% | 4,137 |
| Assets per employee ($millions) | 6.9675% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9703% | 438 |
| Loan loss allowance to noncurrent loans | 422.4299% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 2,575 |
| Noncurrent loans to loans | 0.4664% | 1,546 |
| Net loans and leases to total assets | 29.3400% | 4,343 |
| Net loans and leases to deposits | 33.0626% | 4,351 |
| Net loans and leases to core deposits | 34.4208% | 4,355 |
| Total domestic deposits to total assets | 88.7500% | 1,331 |
| Equity capital to assets | 11.0069% | 1,385 |
| Core capital (leverage) ratio | 14.0185% | 766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $156,589,667 | 3,331 |
| Average earning assets | $148,049,333 | 3,294 |
| Average equity | $16,057,333 | 3,180 |
| Average total loans | $46,574,333 | 3,915 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0796% | 3,292 |
| Cost of funding earning assets | 0.3925% | 3,986 |
| Net interest margin | 3.6872% | 1,928 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 1.9262% | 3,803 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.5884% | 1,002 |
| Return on assets (ROA) | 1.5824% | 1,013 |
| Pretax return on assets | 2.0146% | 759 |
| Return on Equity (ROE) | 16.0000% | 1,355 |
| Retained earnings to average equity (ytd only) | 16.0000% | 689 |
| Net charge-offs to loans | -0.0085% | 3,799 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.1669% | 4,071 |
| Assets per employee ($millions) | 7.1180% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8926% | 542 |
| Loan loss allowance to noncurrent loans | 416.9811% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 2,567 |
| Noncurrent loans to loans | 0.4539% | 1,588 |
| Net loans and leases to total assets | 29.2600% | 4,382 |
| Net loans and leases to deposits | 32.7394% | 4,397 |
| Net loans and leases to core deposits | 34.0790% | 4,396 |
| Total domestic deposits to total assets | 89.3800% | 1,388 |
| Equity capital to assets | 10.3764% | 1,625 |
| Core capital (leverage) ratio | 13.3191% | 878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $158,242,000 | 3,351 |
| Average earning assets | $149,817,500 | 3,319 |
| Average equity | $15,650,000 | 3,248 |
| Average total loans | $46,920,500 | 3,946 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1094% | 3,975 |
| Cost of funding earning assets | 0.2711% | 3,145 |
| Net interest margin | 2.8383% | 3,811 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 1.8295% | 3,972 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2025% | 1,758 |
| Return on assets (ROA) | 1.2025% | 1,699 |
| Pretax return on assets | 1.4169% | 1,723 |
| Return on Equity (ROE) | 11.3800% | 2,354 |
| Retained earnings to average equity (ytd only) | 8.0277% | 1,816 |
| Net charge-offs to loans | -0.0160% | 3,982 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.3541% | 3,547 |
| Assets per employee ($millions) | 7.2676% | 1,776 |
| Cash dividends to net income (ytd only)* | 29.4851% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8310% | 620 |
| Loan loss allowance to noncurrent loans | 388.7387% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 2,559 |
| Noncurrent loans to loans | 0.4710% | 1,523 |
| Net loans and leases to total assets | 28.9400% | 4,412 |
| Net loans and leases to deposits | 32.0099% | 4,432 |
| Net loans and leases to core deposits | 33.2151% | 4,433 |
| Total domestic deposits to total assets | 90.4000% | 1,200 |
| Equity capital to assets | 9.4135% | 2,073 |
| Core capital (leverage) ratio | 13.1702% | 894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $153,432,000 | 3,411 |
| Average earning assets | $145,334,000 | 3,374 |
| Average equity | $16,206,400 | 3,255 |
| Average total loans | $43,848,400 | 3,992 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8385% | 4,147 |
| Cost of funding earning assets | 0.2614% | 2,588 |
| Net interest margin | 2.5771% | 4,131 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 1.8179% | 3,950 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0635% | 2,238 |
| Return on assets (ROA) | 1.0635% | 2,201 |
| Pretax return on assets | 1.2172% | 2,305 |
| Return on Equity (ROE) | 9.7900% | 2,792 |
| Retained earnings to average equity (ytd only) | 9.7884% | 1,406 |
| Net charge-offs to loans | -0.0248% | 4,068 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.8958% | 3,123 |
| Assets per employee ($millions) | 6.8901% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9196% | 576 |
| Loan loss allowance to noncurrent loans | 300.0000% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 2,336 |
| Noncurrent loans to loans | 0.6399% | 1,271 |
| Net loans and leases to total assets | 29.1200% | 4,444 |
| Net loans and leases to deposits | 32.2259% | 4,459 |
| Net loans and leases to core deposits | 33.5255% | 4,456 |
| Total domestic deposits to total assets | 90.3700% | 1,492 |
| Equity capital to assets | 9.4259% | 1,928 |
| Core capital (leverage) ratio | 13.2548% | 840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $151,818,000 | 3,452 |
| Average earning assets | $143,829,750 | 3,415 |
| Average equity | $16,495,250 | 3,272 |
| Average total loans | $43,027,500 | 4,035 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5872% | 4,284 |
| Cost of funding earning assets | 0.2554% | 2,188 |
| Net interest margin | 2.3318% | 4,301 |
| Noninterest income to average assets | 0.4358% | 2,536 |
| Noninterest expense to average assets | 1.7788% | 4,007 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7703% | 3,063 |
| Return on assets (ROA) | 0.7703% | 3,024 |
| Pretax return on assets | 0.8690% | 3,150 |
| Return on Equity (ROE) | 6.7901% | 3,366 |
| Retained earnings to average equity (ytd only) | 6.7901% | 2,058 |
| Net charge-offs to loans | -0.0378% | 4,131 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1805% | 2,356 |
| Assets per employee ($millions) | 7.1184% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0241% | 520 |
| Loan loss allowance to noncurrent loans | 290.9091% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 2,339 |
| Noncurrent loans to loans | 0.6958% | 1,242 |
| Net loans and leases to total assets | 27.9772% | 4,518 |
| Net loans and leases to deposits | 31.1484% | 4,522 |
| Net loans and leases to core deposits | 32.4897% | 4,520 |
| Total domestic deposits to total assets | 89.8191% | 1,789 |
| Equity capital to assets | 10.0257% | 1,704 |
| Core capital (leverage) ratio | 12.8936% | 839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,896,333 | 3,480 |
| Average earning assets | $144,094,000 | 3,459 |
| Average equity | $17,231,000 | 3,300 |
| Average total loans | $42,367,000 | 4,096 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4345% | 4,341 |
| Cost of funding earning assets | 0.2550% | 2,101 |
| Net interest margin | 2.1796% | 4,369 |
| Noninterest income to average assets | 0.4206% | 2,554 |
| Noninterest expense to average assets | 1.7034% | 4,127 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6950% | 3,077 |
| Return on assets (ROA) | 0.6950% | 3,066 |
| Pretax return on assets | 0.7942% | 3,126 |
| Return on Equity (ROE) | 5.7974% | 3,403 |
| Retained earnings to average equity (ytd only) | 5.7974% | 2,317 |
| Net charge-offs to loans | -0.0569% | 4,302 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2008% | 2,478 |
| Assets per employee ($millions) | 7.2535% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0606% | 561 |
| Loan loss allowance to noncurrent loans | 215.5000% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.2626% | 2,095 |
| Noncurrent loans to loans | 0.9562% | 951 |
| Net loans and leases to total assets | 26.8973% | 4,534 |
| Net loans and leases to deposits | 30.3662% | 4,543 |
| Net loans and leases to core deposits | 31.6811% | 4,544 |
| Total domestic deposits to total assets | 88.5763% | 2,264 |
| Equity capital to assets | 11.2825% | 1,201 |
| Core capital (leverage) ratio | 12.7645% | 824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,101,500 | 3,485 |
| Average earning assets | $145,901,000 | 3,453 |
| Average equity | $18,353,000 | 3,289 |
| Average total loans | $42,207,500 | 4,118 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7404% | 4,271 |
| Cost of funding earning assets | 0.2981% | 2,424 |
| Net interest margin | 2.4423% | 4,266 |
| Noninterest income to average assets | 0.7634% | 1,554 |
| Noninterest expense to average assets | 2.0497% | 3,537 |
| Loan and lease loss provision to assets | 0.1463% | 818 |
| Net operating income to assets | 0.7571% | 3,463 |
| Return on assets (ROA) | 0.7537% | 3,542 |
| Pretax return on assets | 0.9153% | 3,470 |
| Return on Equity (ROE) | 5.5309% | 3,877 |
| Retained earnings to average equity (ytd only) | 2.9512% | 3,646 |
| Net charge-offs to loans | 0.1745% | 557 |
| Credit loss provision to net charge-offs | 277.6316% | 1,114 |
| Earnings coverage of net charge-offs (x) | 20.2237% | 1,858 |
| Efficiency ratio | 65.7912% | 2,287 |
| Assets per employee ($millions) | 6.9945% | 1,930 |
| Cash dividends to net income (ytd only)* | 46.6421% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0102% | 594 |
| Loan loss allowance to noncurrent loans | 210.8374% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 2,224 |
| Noncurrent loans to loans | 0.9535% | 1,056 |
| Net loans and leases to total assets | 27.1161% | 4,594 |
| Net loans and leases to deposits | 31.1493% | 4,600 |
| Net loans and leases to core deposits | 32.4121% | 4,597 |
| Total domestic deposits to total assets | 87.0522% | 2,501 |
| Equity capital to assets | 12.6853% | 999 |
| Core capital (leverage) ratio | 12.8847% | 837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,219,600 | 3,543 |
| Average earning assets | $138,886,000 | 3,486 |
| Average equity | $19,653,200 | 3,244 |
| Average total loans | $43,552,600 | 4,118 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7536% | 4,353 |
| Cost of funding earning assets | 0.3089% | 2,509 |
| Net interest margin | 2.4447% | 4,351 |
| Noninterest income to average assets | 0.9045% | 1,245 |
| Noninterest expense to average assets | 2.0535% | 3,509 |
| Loan and lease loss provision to assets | 0.1008% | 1,192 |
| Net operating income to assets | 0.9263% | 3,161 |
| Return on assets (ROA) | 0.9271% | 3,234 |
| Pretax return on assets | 1.1104% | 3,173 |
| Return on Equity (ROE) | 6.6778% | 3,751 |
| Retained earnings to average equity (ytd only) | 3.2441% | 3,814 |
| Net charge-offs to loans | 0.0213% | 1,626 |
| Credit loss provision to net charge-offs | 1,528.5714% | 395 |
| Earnings coverage of net charge-offs (x) | 183.8571% | 588 |
| Efficiency ratio | 62.9213% | 2,544 |
| Assets per employee ($millions) | 6.3977% | 2,337 |
| Cash dividends to net income (ytd only)* | 51.4199% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9066% | 758 |
| Loan loss allowance to noncurrent loans | 168.5832% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 2,124 |
| Noncurrent loans to loans | 1.1310% | 994 |
| Net loans and leases to total assets | 28.7055% | 4,622 |
| Net loans and leases to deposits | 33.3099% | 4,642 |
| Net loans and leases to core deposits | 34.6770% | 4,639 |
| Total domestic deposits to total assets | 86.1770% | 2,680 |
| Equity capital to assets | 13.4499% | 868 |
| Core capital (leverage) ratio | 13.1930% | 798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,804,750 | 3,606 |
| Average earning assets | $136,836,500 | 3,545 |
| Average equity | $19,686,500 | 3,284 |
| Average total loans | $43,795,250 | 4,170 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7194% | 4,434 |
| Cost of funding earning assets | 0.3210% | 2,577 |
| Net interest margin | 2.3984% | 4,425 |
| Noninterest income to average assets | 1.1741% | 833 |
| Noninterest expense to average assets | 2.0639% | 3,508 |
| Loan and lease loss provision to assets | 0.0757% | 1,575 |
| Net operating income to assets | 1.1358% | 2,411 |
| Return on assets (ROA) | 1.1369% | 2,473 |
| Pretax return on assets | 1.3626% | 2,431 |
| Return on Equity (ROE) | 8.1011% | 3,383 |
| Retained earnings to average equity (ytd only) | 8.1011% | 2,042 |
| Net charge-offs to loans | 0.0272% | 1,403 |
| Credit loss provision to net charge-offs | 883.3333% | 504 |
| Earnings coverage of net charge-offs (x) | 167.6667% | 554 |
| Efficiency ratio | 58.9555% | 3,158 |
| Assets per employee ($millions) | 6.1920% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7526% | 966 |
| Loan loss allowance to noncurrent loans | 139.8907% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.3855% | 2,066 |
| Noncurrent loans to loans | 1.2529% | 948 |
| Net loans and leases to total assets | 30.2295% | 4,642 |
| Net loans and leases to deposits | 35.3073% | 4,646 |
| Net loans and leases to core deposits | 36.8057% | 4,653 |
| Total domestic deposits to total assets | 85.6183% | 2,868 |
| Equity capital to assets | 14.0433% | 707 |
| Core capital (leverage) ratio | 13.4880% | 714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,024,333 | 3,636 |
| Average earning assets | $135,838,667 | 3,561 |
| Average equity | $19,651,667 | 3,278 |
| Average total loans | $44,040,333 | 4,192 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6303% | 4,546 |
| Cost of funding earning assets | 0.3432% | 2,581 |
| Net interest margin | 2.2871% | 4,538 |
| Noninterest income to average assets | 1.9852% | 381 |
| Noninterest expense to average assets | 2.0428% | 3,579 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8238% | 750 |
| Return on assets (ROA) | 1.8238% | 804 |
| Pretax return on assets | 2.1696% | 718 |
| Return on Equity (ROE) | 12.9996% | 1,673 |
| Retained earnings to average equity (ytd only) | 12.9996% | 914 |
| Net charge-offs to loans | 0.0815% | 787 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 83.6667% | 678 |
| Efficiency ratio | 48.4952% | 4,307 |
| Assets per employee ($millions) | 5.5549% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 1,218 |
| Loan loss allowance to noncurrent loans | 124.4755% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.4119% | 2,167 |
| Noncurrent loans to loans | 1.3093% | 994 |
| Net loans and leases to total assets | 30.9465% | 4,670 |
| Net loans and leases to deposits | 36.1340% | 4,675 |
| Net loans and leases to core deposits | 37.7115% | 4,674 |
| Total domestic deposits to total assets | 85.6436% | 2,876 |
| Equity capital to assets | 14.0475% | 660 |
| Core capital (leverage) ratio | 13.7454% | 697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,828,000 | 3,653 |
| Average earning assets | $135,194,000 | 3,573 |
| Average equity | $19,477,500 | 3,281 |
| Average total loans | $44,150,500 | 4,202 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2658% | 4,371 |
| Cost of funding earning assets | 0.4370% | 3,364 |
| Net interest margin | 2.8288% | 4,216 |
| Noninterest income to average assets | 0.3941% | 3,125 |
| Noninterest expense to average assets | 2.2908% | 3,429 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7405% | 3,296 |
| Return on assets (ROA) | 0.7890% | 3,256 |
| Pretax return on assets | 0.8856% | 3,408 |
| Return on Equity (ROE) | 5.4288% | 3,772 |
| Retained earnings to average equity (ytd only) | 2.2830% | 3,709 |
| Net charge-offs to loans | 0.1041% | 1,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 22.7021% | 1,839 |
| Efficiency ratio | 73.3782% | 1,523 |
| Assets per employee ($millions) | 5.3378% | 3,009 |
| Cash dividends to net income (ytd only)* | 57.9467% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6161% | 1,247 |
| Loan loss allowance to noncurrent loans | 128.5205% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 1.0678% | 871 |
| Noncurrent loans to loans | 1.2575% | 1,087 |
| Net loans and leases to total assets | 31.6261% | 4,718 |
| Net loans and leases to deposits | 36.9467% | 4,722 |
| Net loans and leases to core deposits | 38.4677% | 4,730 |
| Total domestic deposits to total assets | 85.5992% | 2,530 |
| Equity capital to assets | 14.0124% | 791 |
| Core capital (leverage) ratio | 13.6978% | 741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,382,800 | 3,645 |
| Average earning assets | $123,799,200 | 3,585 |
| Average equity | $18,659,600 | 3,310 |
| Average total loans | $45,148,800 | 4,202 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4232% | 4,322 |
| Cost of funding earning assets | 0.4492% | 3,531 |
| Net interest margin | 2.9739% | 4,037 |
| Noninterest income to average assets | 0.4007% | 3,075 |
| Noninterest expense to average assets | 2.3532% | 3,278 |
| Loan and lease loss provision to assets | 0.0103% | 4,171 |
| Net operating income to assets | 0.7727% | 3,200 |
| Return on assets (ROA) | 0.7727% | 3,314 |
| Pretax return on assets | 0.8999% | 3,383 |
| Return on Equity (ROE) | 5.2645% | 3,803 |
| Retained earnings to average equity (ytd only) | 1.0255% | 4,251 |
| Net charge-offs to loans | 0.0501% | 1,896 |
| Credit loss provision to net charge-offs | 58.8235% | 2,857 |
| Earnings coverage of net charge-offs (x) | 50.5294% | 1,186 |
| Efficiency ratio | 72.1013% | 1,637 |
| Assets per employee ($millions) | 5.0120% | 3,233 |
| Cash dividends to net income (ytd only)* | 80.5213% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6483% | 982 |
| Loan loss allowance to noncurrent loans | 114.9547% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 1.1818% | 862 |
| Noncurrent loans to loans | 1.4339% | 1,010 |
| Net loans and leases to total assets | 34.8456% | 4,717 |
| Net loans and leases to deposits | 41.1114% | 4,714 |
| Net loans and leases to core deposits | 42.9414% | 4,733 |
| Total domestic deposits to total assets | 84.7589% | 2,525 |
| Equity capital to assets | 14.7201% | 693 |
| Core capital (leverage) ratio | 14.1184% | 686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,782,500 | 3,669 |
| Average earning assets | $121,093,000 | 3,609 |
| Average equity | $18,462,750 | 3,320 |
| Average total loans | $45,282,750 | 4,221 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4934% | 4,418 |
| Cost of funding earning assets | 0.4598% | 3,744 |
| Net interest margin | 3.0336% | 4,048 |
| Noninterest income to average assets | 0.3991% | 3,087 |
| Noninterest expense to average assets | 2.3963% | 3,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7886% | 3,073 |
| Return on assets (ROA) | 0.7886% | 3,192 |
| Pretax return on assets | 0.9334% | 3,220 |
| Return on Equity (ROE) | 5.3778% | 3,725 |
| Retained earnings to average equity (ytd only) | -1.0646% | 4,486 |
| Net charge-offs to loans | 0.0889% | 1,361 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,459 |
| Efficiency ratio | 71.9671% | 1,686 |
| Assets per employee ($millions) | 4.9365% | 3,256 |
| Cash dividends to net income (ytd only)* | 119.7959% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6039% | 999 |
| Loan loss allowance to noncurrent loans | 126.5651% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 1.1445% | 972 |
| Noncurrent loans to loans | 1.2673% | 1,228 |
| Net loans and leases to total assets | 35.7520% | 4,733 |
| Net loans and leases to deposits | 42.1922% | 4,740 |
| Net loans and leases to core deposits | 43.5055% | 4,761 |
| Total domestic deposits to total assets | 84.7360% | 2,495 |
| Equity capital to assets | 14.7599% | 675 |
| Core capital (leverage) ratio | 14.2624% | 699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,272,667 | 3,673 |
| Average earning assets | $120,053,667 | 3,601 |
| Average equity | $18,223,000 | 3,340 |
| Average total loans | $44,987,333 | 4,236 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6750% | 4,435 |
| Cost of funding earning assets | 0.4661% | 4,084 |
| Net interest margin | 3.2088% | 3,832 |
| Noninterest income to average assets | 0.4549% | 2,763 |
| Noninterest expense to average assets | 2.5590% | 3,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8246% | 2,810 |
| Return on assets (ROA) | 0.8246% | 2,896 |
| Pretax return on assets | 1.0046% | 2,830 |
| Return on Equity (ROE) | 5.6431% | 3,443 |
| Retained earnings to average equity (ytd only) | 5.6431% | 2,019 |
| Net charge-offs to loans | 0.1540% | 841 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 18.0588% | 1,477 |
| Efficiency ratio | 71.8090% | 2,105 |
| Assets per employee ($millions) | 4.4913% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6739% | 912 |
| Loan loss allowance to noncurrent loans | 107.1225% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 1.3672% | 835 |
| Noncurrent loans to loans | 1.5626% | 1,002 |
| Net loans and leases to total assets | 36.4265% | 4,763 |
| Net loans and leases to deposits | 42.7135% | 4,786 |
| Net loans and leases to core deposits | 44.2336% | 4,804 |
| Total domestic deposits to total assets | 85.2811% | 2,299 |
| Equity capital to assets | 14.4665% | 906 |
| Core capital (leverage) ratio | 15.2432% | 637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,235,000 | 3,676 |
| Average earning assets | $118,422,500 | 3,598 |
| Average equity | $17,862,500 | 3,384 |
| Average total loans | $44,163,500 | 4,276 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9738% | 4,314 |
| Cost of funding earning assets | 0.4460% | 4,283 |
| Net interest margin | 3.5278% | 3,352 |
| Noninterest income to average assets | 0.4834% | 2,836 |
| Noninterest expense to average assets | 2.5306% | 3,368 |
| Loan and lease loss provision to assets | 0.1527% | 1,385 |
| Net operating income to assets | 1.0097% | 2,815 |
| Return on assets (ROA) | 0.9948% | 2,949 |
| Pretax return on assets | 1.1898% | 2,873 |
| Return on Equity (ROE) | 6.7120% | 3,658 |
| Retained earnings to average equity (ytd only) | 3.6049% | 3,196 |
| Net charge-offs to loans | 0.2033% | 1,009 |
| Credit loss provision to net charge-offs | 204.5455% | 1,299 |
| Earnings coverage of net charge-offs (x) | 18.2273% | 2,067 |
| Efficiency ratio | 65.0392% | 2,929 |
| Assets per employee ($millions) | 4.5631% | 3,133 |
| Cash dividends to net income (ytd only)* | 46.2916% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7695% | 698 |
| Loan loss allowance to noncurrent loans | 132.4138% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 1.1834% | 1,002 |
| Noncurrent loans to loans | 1.3363% | 1,118 |
| Net loans and leases to total assets | 34.6044% | 4,888 |
| Net loans and leases to deposits | 40.8153% | 4,891 |
| Net loans and leases to core deposits | 42.1314% | 4,900 |
| Total domestic deposits to total assets | 84.7830% | 2,580 |
| Equity capital to assets | 14.7576% | 859 |
| Core capital (leverage) ratio | 15.3926% | 609 |
| Tier 1 risk-based capital ratio | 36.9186% | 290 |
| Total risk-based capital ratio | 38.1718% | 288 |
| Memoranda: | ||
| Average total assets | $117,914,400 | 3,733 |
| Average earning assets | $113,896,400 | 3,650 |
| Average equity | $17,476,200 | 3,390 |
| Average total loans | $43,285,200 | 4,326 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 4,163 |
| Cost of funding earning assets | 0.4384% | 4,371 |
| Net interest margin | 3.6567% | 3,070 |
| Noninterest income to average assets | 0.5043% | 2,701 |
| Noninterest expense to average assets | 2.6096% | 3,141 |
| Loan and lease loss provision to assets | 0.2058% | 855 |
| Net operating income to assets | 1.0235% | 2,896 |
| Return on assets (ROA) | 1.0235% | 2,970 |
| Pretax return on assets | 1.2179% | 2,926 |
| Return on Equity (ROE) | 6.8978% | 3,723 |
| Retained earnings to average equity (ytd only) | 2.7129% | 4,009 |
| Net charge-offs to loans | 0.0154% | 2,846 |
| Credit loss provision to net charge-offs | 3,600.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 248.8696% | 373 |
| Efficiency ratio | 64.7009% | 2,908 |
| Assets per employee ($millions) | 4.4033% | 3,338 |
| Cash dividends to net income (ytd only)* | 60.6704% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9552% | 504 |
| Loan loss allowance to noncurrent loans | 245.2450% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 1.1215% | 1,165 |
| Noncurrent loans to loans | 0.7973% | 1,979 |
| Net loans and leases to total assets | 37.2736% | 4,888 |
| Net loans and leases to deposits | 44.4126% | 4,903 |
| Net loans and leases to core deposits | 45.9888% | 4,920 |
| Total domestic deposits to total assets | 83.9255% | 2,849 |
| Equity capital to assets | 15.5932% | 716 |
| Core capital (leverage) ratio | 16.1714% | 539 |
| Tier 1 risk-based capital ratio | 37.9290% | 281 |
| Total risk-based capital ratio | 39.1853% | 278 |
| Memoranda: | ||
| Average total assets | $116,592,000 | 3,792 |
| Average earning assets | $112,520,750 | 3,704 |
| Average equity | $17,299,750 | 3,434 |
| Average total loans | $43,256,000 | 4,382 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0575% | 4,260 |
| Cost of funding earning assets | 0.4169% | 4,443 |
| Net interest margin | 3.6406% | 3,131 |
| Noninterest income to average assets | 0.4877% | 2,746 |
| Noninterest expense to average assets | 2.6088% | 3,180 |
| Loan and lease loss provision to assets | 0.2046% | 827 |
| Net operating income to assets | 1.0009% | 2,917 |
| Return on assets (ROA) | 1.0009% | 2,986 |
| Pretax return on assets | 1.1885% | 2,944 |
| Return on Equity (ROE) | 6.8592% | 3,731 |
| Retained earnings to average equity (ytd only) | 6.8592% | 1,872 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1896% | 2,949 |
| Assets per employee ($millions) | 4.5630% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8760% | 590 |
| Loan loss allowance to noncurrent loans | 520.2614% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.9196% | 1,512 |
| Noncurrent loans to loans | 0.3606% | 3,244 |
| Net loans and leases to total assets | 35.0930% | 5,004 |
| Net loans and leases to deposits | 41.4979% | 5,011 |
| Net loans and leases to core deposits | 42.9048% | 5,025 |
| Total domestic deposits to total assets | 84.5658% | 2,660 |
| Equity capital to assets | 15.1223% | 780 |
| Core capital (leverage) ratio | 16.2666% | 515 |
| Tier 1 risk-based capital ratio | 39.2142% | 246 |
| Total risk-based capital ratio | 40.4743% | 244 |
| Memoranda: | ||
| Average total assets | $117,294,000 | 3,806 |
| Average earning assets | $113,223,670 | 3,721 |
| Average equity | $17,115,670 | 3,454 |
| Average total loans | $43,166,670 | 4,414 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0676% | 4,217 |
| Cost of funding earning assets | 0.3901% | 4,526 |
| Net interest margin | 3.6775% | 2,978 |
| Noninterest income to average assets | 0.4802% | 2,676 |
| Noninterest expense to average assets | 2.5793% | 3,272 |
| Loan and lease loss provision to assets | 0.2058% | 772 |
| Net operating income to assets | 1.0804% | 2,544 |
| Return on assets (ROA) | 1.0804% | 2,587 |
| Pretax return on assets | 1.2519% | 2,619 |
| Return on Equity (ROE) | 7.5436% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.5436% | 1,822 |
| Net charge-offs to loans | -0.0092% | 4,202 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8912% | 3,253 |
| Assets per employee ($millions) | 4.5587% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6835% | 889 |
| Loan loss allowance to noncurrent loans | 566.9231% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.9011% | 1,559 |
| Noncurrent loans to loans | 0.2969% | 3,502 |
| Net loans and leases to total assets | 36.3141% | 5,009 |
| Net loans and leases to deposits | 42.5329% | 5,023 |
| Net loans and leases to core deposits | 43.9635% | 5,042 |
| Total domestic deposits to total assets | 85.3789% | 2,534 |
| Equity capital to assets | 14.4347% | 898 |
| Core capital (leverage) ratio | 16.2454% | 503 |
| Tier 1 risk-based capital ratio | 37.1719% | 272 |
| Total risk-based capital ratio | 38.4252% | 269 |
| Memoranda: | ||
| Average total assets | $116,621,500 | 3,856 |
| Average earning assets | $112,793,000 | 3,774 |
| Average equity | $16,703,000 | 3,508 |
| Average total loans | $43,535,000 | 4,442 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8941% | 4,287 |
| Cost of funding earning assets | 0.3205% | 4,461 |
| Net interest margin | 3.5736% | 3,472 |
| Noninterest income to average assets | 0.4410% | 3,160 |
| Noninterest expense to average assets | 2.4434% | 3,762 |
| Loan and lease loss provision to assets | 0.3301% | 480 |
| Net operating income to assets | 0.9402% | 3,287 |
| Return on assets (ROA) | 0.9410% | 3,273 |
| Pretax return on assets | 1.1073% | 3,237 |
| Return on Equity (ROE) | 6.8182% | 3,890 |
| Retained earnings to average equity (ytd only) | 4.7150% | 2,925 |
| Net charge-offs to loans | 0.7349% | 215 |
| Credit loss provision to net charge-offs | 119.8113% | 2,174 |
| Earnings coverage of net charge-offs (x) | 5.2138% | 3,212 |
| Efficiency ratio | 62.9745% | 3,349 |
| Assets per employee ($millions) | 4.4122% | 3,291 |
| Cash dividends to net income (ytd only)* | 30.8471% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5615% | 1,114 |
| Loan loss allowance to noncurrent loans | 269.3227% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 1.0365% | 1,315 |
| Noncurrent loans to loans | 0.5798% | 2,551 |
| Net loans and leases to total assets | 37.1483% | 5,041 |
| Net loans and leases to deposits | 43.3723% | 5,042 |
| Net loans and leases to core deposits | 44.8216% | 5,066 |
| Total domestic deposits to total assets | 85.6498% | 2,377 |
| Equity capital to assets | 14.2064% | 913 |
| Core capital (leverage) ratio | 15.8561% | 536 |
| Tier 1 risk-based capital ratio | 36.5428% | 287 |
| Total risk-based capital ratio | 37.7951% | 283 |
| Memoranda: | ||
| Average total assets | $115,415,200 | 3,863 |
| Average earning assets | $111,065,800 | 3,788 |
| Average equity | $15,928,000 | 3,518 |
| Average total loans | $43,273,800 | 4,468 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8727% | 4,273 |
| Cost of funding earning assets | 0.3059% | 4,479 |
| Net interest margin | 3.5667% | 3,471 |
| Noninterest income to average assets | 0.4245% | 3,326 |
| Noninterest expense to average assets | 2.4661% | 3,685 |
| Loan and lease loss provision to assets | 0.3287% | 428 |
| Net operating income to assets | 0.8861% | 3,598 |
| Return on assets (ROA) | 0.8870% | 3,594 |
| Pretax return on assets | 1.0600% | 3,537 |
| Return on Equity (ROE) | 6.4747% | 4,113 |
| Retained earnings to average equity (ytd only) | 6.4747% | 2,400 |
| Net charge-offs to loans | 0.8505% | 169 |
| Credit loss provision to net charge-offs | 103.2609% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.3587% | 3,070 |
| Efficiency ratio | 63.9928% | 3,188 |
| Assets per employee ($millions) | 4.4016% | 3,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 1,637 |
| Loan loss allowance to noncurrent loans | 381.5951% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 1.0223% | 1,421 |
| Noncurrent loans to loans | 0.3712% | 3,316 |
| Net loans and leases to total assets | 39.3353% | 5,044 |
| Net loans and leases to deposits | 46.0935% | 5,050 |
| Net loans and leases to core deposits | 47.7333% | 5,075 |
| Total domestic deposits to total assets | 85.3382% | 2,472 |
| Equity capital to assets | 14.3828% | 859 |
| Core capital (leverage) ratio | 15.6789% | 568 |
| Tier 1 risk-based capital ratio | 32.4002% | 385 |
| Total risk-based capital ratio | 33.5457% | 385 |
| Memoranda: | ||
| Average total assets | $115,590,000 | 3,898 |
| Average earning assets | $111,135,000 | 3,826 |
| Average equity | $15,835,750 | 3,554 |
| Average total loans | $43,269,500 | 4,520 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7331% | 4,509 |
| Cost of funding earning assets | 0.2918% | 4,475 |
| Net interest margin | 3.4413% | 3,829 |
| Noninterest income to average assets | 0.3815% | 3,613 |
| Noninterest expense to average assets | 2.4370% | 3,805 |
| Loan and lease loss provision to assets | 0.3151% | 439 |
| Net operating income to assets | 0.7732% | 3,943 |
| Return on assets (ROA) | 0.7732% | 3,950 |
| Pretax return on assets | 0.9435% | 3,829 |
| Return on Equity (ROE) | 5.7328% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.7328% | 2,707 |
| Net charge-offs to loans | 0.6735% | 218 |
| Credit loss provision to net charge-offs | 127.5862% | 1,742 |
| Earnings coverage of net charge-offs (x) | 5.0966% | 2,741 |
| Efficiency ratio | 65.9447% | 2,992 |
| Assets per employee ($millions) | 4.7888% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 1,272 |
| Loan loss allowance to noncurrent loans | 159.2683% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 1.1468% | 1,276 |
| Noncurrent loans to loans | 0.9665% | 1,800 |
| Net loans and leases to total assets | 36.3430% | 5,168 |
| Net loans and leases to deposits | 42.2605% | 5,183 |
| Net loans and leases to core deposits | 43.6910% | 5,202 |
| Total domestic deposits to total assets | 85.9976% | 2,279 |
| Equity capital to assets | 13.7893% | 996 |
| Core capital (leverage) ratio | 14.9950% | 669 |
| Tier 1 risk-based capital ratio | 32.8749% | 379 |
| Total risk-based capital ratio | 34.1239% | 373 |
| Memoranda: | ||
| Average total assets | $117,439,670 | 3,905 |
| Average earning assets | $113,096,670 | 3,826 |
| Average equity | $15,838,670 | 3,577 |
| Average total loans | $43,057,000 | 4,565 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6674% | 4,550 |
| Cost of funding earning assets | 0.2867% | 4,443 |
| Net interest margin | 3.3807% | 3,945 |
| Noninterest income to average assets | 0.3437% | 3,852 |
| Noninterest expense to average assets | 2.5005% | 3,641 |
| Loan and lease loss provision to assets | 0.2527% | 584 |
| Net operating income to assets | 0.6807% | 4,170 |
| Return on assets (ROA) | 0.6807% | 4,176 |
| Pretax return on assets | 0.8492% | 4,013 |
| Return on Equity (ROE) | 5.1029% | 4,451 |
| Retained earnings to average equity (ytd only) | 5.1029% | 3,120 |
| Net charge-offs to loans | 0.3043% | 498 |
| Credit loss provision to net charge-offs | 227.2727% | 960 |
| Earnings coverage of net charge-offs (x) | 9.9091% | 1,935 |
| Efficiency ratio | 69.4107% | 2,597 |
| Assets per employee ($millions) | 4.9026% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 1,418 |
| Loan loss allowance to noncurrent loans | 33.4184% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 2.4460% | 385 |
| Noncurrent loans to loans | 4.5289% | 189 |
| Net loans and leases to total assets | 36.2246% | 5,202 |
| Net loans and leases to deposits | 41.8689% | 5,224 |
| Net loans and leases to core deposits | 43.4804% | 5,228 |
| Total domestic deposits to total assets | 86.5191% | 2,309 |
| Equity capital to assets | 13.3066% | 1,114 |
| Core capital (leverage) ratio | 14.6129% | 739 |
| Tier 1 risk-based capital ratio | 31.6839% | 417 |
| Total risk-based capital ratio | 32.9088% | 408 |
| Memoranda: | ||
| Average total assets | $118,694,500 | 3,918 |
| Average earning assets | $114,412,500 | 3,841 |
| Average equity | $15,834,000 | 3,608 |
| Average total loans | $43,374,500 | 4,602 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7233% | 4,283 |
| Cost of funding earning assets | 0.3204% | 3,950 |
| Net interest margin | 3.4028% | 3,845 |
| Noninterest income to average assets | 0.2690% | 4,511 |
| Noninterest expense to average assets | 2.7026% | 3,117 |
| Loan and lease loss provision to assets | 0.0607% | 3,019 |
| Net operating income to assets | 0.5727% | 4,133 |
| Return on assets (ROA) | 0.5813% | 4,133 |
| Pretax return on assets | 0.7600% | 4,364 |
| Return on Equity (ROE) | 4.2063% | 4,439 |
| Retained earnings to average equity (ytd only) | 2.0780% | 4,072 |
| Net charge-offs to loans | 0.2662% | 978 |
| Credit loss provision to net charge-offs | 58.3333% | 3,234 |
| Earnings coverage of net charge-offs (x) | 7.7750% | 2,994 |
| Efficiency ratio | 76.9516% | 1,491 |
| Assets per employee ($millions) | 4.4343% | 3,300 |
| Cash dividends to net income (ytd only)* | 50.5970% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 1,716 |
| Loan loss allowance to noncurrent loans | 36.1389% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 2.1858% | 479 |
| Noncurrent loans to loans | 3.9084% | 249 |
| Net loans and leases to total assets | 35.7959% | 5,293 |
| Net loans and leases to deposits | 41.4025% | 5,310 |
| Net loans and leases to core deposits | 42.9989% | 5,320 |
| Total domestic deposits to total assets | 86.4582% | 2,248 |
| Equity capital to assets | 13.3730% | 1,108 |
| Core capital (leverage) ratio | 14.2724% | 779 |
| Tier 1 risk-based capital ratio | 30.7482% | 433 |
| Total risk-based capital ratio | 31.8973% | 433 |
| Memoranda: | ||
| Average total assets | $115,259,000 | 3,974 |
| Average earning assets | $109,849,600 | 3,916 |
| Average equity | $15,928,400 | 3,605 |
| Average total loans | $45,081,600 | 4,589 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7733% | 4,089 |
| Cost of funding earning assets | 0.3259% | 3,885 |
| Net interest margin | 3.4474% | 3,687 |
| Noninterest income to average assets | 0.2371% | 4,786 |
| Noninterest expense to average assets | 2.7637% | 2,848 |
| Loan and lease loss provision to assets | 0.0467% | 3,170 |
| Net operating income to assets | 0.6231% | 4,303 |
| Return on assets (ROA) | 0.6366% | 4,301 |
| Pretax return on assets | 0.7160% | 4,574 |
| Return on Equity (ROE) | 4.5679% | 4,686 |
| Retained earnings to average equity (ytd only) | 1.7266% | 4,732 |
| Net charge-offs to loans | 0.0645% | 2,197 |
| Credit loss provision to net charge-offs | 181.8182% | 1,454 |
| Earnings coverage of net charge-offs (x) | 29.0934% | 1,588 |
| Efficiency ratio | 78.7092% | 1,247 |
| Assets per employee ($millions) | 4.1665% | 3,710 |
| Cash dividends to net income (ytd only)* | 62.2019% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 1,440 |
| Loan loss allowance to noncurrent loans | 37.0109% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 2.4516% | 448 |
| Noncurrent loans to loans | 4.1279% | 230 |
| Net loans and leases to total assets | 39.0183% | 5,232 |
| Net loans and leases to deposits | 45.7420% | 5,264 |
| Net loans and leases to core deposits | 47.9407% | 5,258 |
| Total domestic deposits to total assets | 85.3008% | 2,597 |
| Equity capital to assets | 14.4405% | 872 |
| Core capital (leverage) ratio | 14.6166% | 740 |
| Tier 1 risk-based capital ratio | 29.4439% | 495 |
| Total risk-based capital ratio | 30.6774% | 493 |
| Memoranda: | ||
| Average total assets | $114,142,250 | 4,032 |
| Average earning assets | $108,407,750 | 3,988 |
| Average equity | $15,907,750 | 3,642 |
| Average total loans | $45,484,250 | 4,627 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7553% | 4,056 |
| Cost of funding earning assets | 0.3277% | 3,821 |
| Net interest margin | 3.4276% | 3,673 |
| Noninterest income to average assets | 0.2372% | 4,821 |
| Noninterest expense to average assets | 2.8180% | 2,689 |
| Loan and lease loss provision to assets | 0.0698% | 2,579 |
| Net operating income to assets | 0.5326% | 4,598 |
| Return on assets (ROA) | 0.5528% | 4,553 |
| Pretax return on assets | 0.6191% | 4,765 |
| Return on Equity (ROE) | 4.0138% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.0138% | 3,321 |
| Net charge-offs to loans | 0.1354% | 1,350 |
| Credit loss provision to net charge-offs | 129.0323% | 1,692 |
| Earnings coverage of net charge-offs (x) | 12.3226% | 2,206 |
| Efficiency ratio | 80.8809% | 1,117 |
| Assets per employee ($millions) | 4.2968% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 1,635 |
| Loan loss allowance to noncurrent loans | 39.6694% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 2.3837% | 476 |
| Noncurrent loans to loans | 3.7393% | 278 |
| Net loans and leases to total assets | 39.9501% | 5,226 |
| Net loans and leases to deposits | 46.9296% | 5,254 |
| Net loans and leases to core deposits | 49.3597% | 5,244 |
| Total domestic deposits to total assets | 85.1276% | 2,761 |
| Equity capital to assets | 14.6585% | 778 |
| Core capital (leverage) ratio | 14.4882% | 744 |
| Tier 1 risk-based capital ratio | 29.3615% | 495 |
| Total risk-based capital ratio | 30.5671% | 491 |
| Memoranda: | ||
| Average total assets | $114,691,000 | 4,048 |
| Average earning assets | $108,646,000 | 4,002 |
| Average equity | $15,795,330 | 3,662 |
| Average total loans | $45,787,330 | 4,641 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6595% | 4,238 |
| Cost of funding earning assets | 0.3192% | 3,860 |
| Net interest margin | 3.3404% | 3,880 |
| Noninterest income to average assets | 0.1894% | 5,144 |
| Noninterest expense to average assets | 2.7510% | 2,948 |
| Loan and lease loss provision to assets | 0.0689% | 2,435 |
| Net operating income to assets | 0.4751% | 4,689 |
| Return on assets (ROA) | 0.4751% | 4,713 |
| Pretax return on assets | 0.5405% | 4,866 |
| Return on Equity (ROE) | 3.5601% | 4,937 |
| Retained earnings to average equity (ytd only) | 3.5601% | 3,664 |
| Net charge-offs to loans | -0.0956% | 5,438 |
| Credit loss provision to net charge-offs | -181.8182% | 4,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8648% | 1,176 |
| Assets per employee ($millions) | 4.0027% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 1,667 |
| Loan loss allowance to noncurrent loans | 40.1388% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 2.4535% | 478 |
| Noncurrent loans to loans | 3.7577% | 298 |
| Net loans and leases to total assets | 39.0407% | 5,286 |
| Net loans and leases to deposits | 45.2533% | 5,325 |
| Net loans and leases to core deposits | 47.2318% | 5,330 |
| Total domestic deposits to total assets | 86.2714% | 2,547 |
| Equity capital to assets | 13.5580% | 1,053 |
| Core capital (leverage) ratio | 14.4742% | 719 |
| Tier 1 risk-based capital ratio | 28.2172% | 548 |
| Total risk-based capital ratio | 29.4096% | 538 |
| Memoranda: | ||
| Average total assets | $116,178,000 | 4,060 |
| Average earning assets | $110,287,500 | 4,011 |
| Average equity | $15,505,000 | 3,724 |
| Average total loans | $46,029,500 | 4,675 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7215% | 4,150 |
| Cost of funding earning assets | 0.3811% | 3,190 |
| Net interest margin | 3.3403% | 4,027 |
| Noninterest income to average assets | 0.1482% | 5,457 |
| Noninterest expense to average assets | 2.7171% | 3,291 |
| Loan and lease loss provision to assets | 0.1680% | 1,456 |
| Net operating income to assets | 0.3159% | 5,178 |
| Return on assets (ROA) | 0.5841% | 4,386 |
| Pretax return on assets | 0.6780% | 4,563 |
| Return on Equity (ROE) | 4.2760% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.2760% | 2,861 |
| Net charge-offs to loans | 0.8614% | 226 |
| Credit loss provision to net charge-offs | 47.6773% | 3,407 |
| Earnings coverage of net charge-offs (x) | 1.5159% | 3,977 |
| Efficiency ratio | 83.5718% | 1,052 |
| Assets per employee ($millions) | 4.1528% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 1,917 |
| Loan loss allowance to noncurrent loans | 29.9458% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 2.9327% | 355 |
| Noncurrent loans to loans | 4.8081% | 173 |
| Net loans and leases to total assets | 39.0309% | 5,359 |
| Net loans and leases to deposits | 45.0153% | 5,401 |
| Net loans and leases to core deposits | 47.0969% | 5,399 |
| Total domestic deposits to total assets | 86.7059% | 2,287 |
| Equity capital to assets | 13.1342% | 1,203 |
| Core capital (leverage) ratio | 14.2655% | 744 |
| Tier 1 risk-based capital ratio | 27.5962% | 590 |
| Total risk-based capital ratio | 28.7354% | 583 |
| Memoranda: | ||
| Average total assets | $116,081,400 | 4,064 |
| Average earning assets | $107,833,200 | 4,045 |
| Average equity | $15,856,000 | 3,711 |
| Average total loans | $47,480,200 | 4,651 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7657% | 4,034 |
| Cost of funding earning assets | 0.3922% | 3,103 |
| Net interest margin | 3.3735% | 3,948 |
| Noninterest income to average assets | 0.1149% | 5,661 |
| Noninterest expense to average assets | 2.7980% | 3,017 |
| Loan and lease loss provision to assets | 0.0862% | 2,503 |
| Net operating income to assets | 0.3146% | 5,255 |
| Return on assets (ROA) | 0.6849% | 4,066 |
| Pretax return on assets | 0.7699% | 4,411 |
| Return on Equity (ROE) | 4.9659% | 4,529 |
| Retained earnings to average equity (ytd only) | 4.9659% | 2,849 |
| Net charge-offs to loans | 0.8919% | 202 |
| Credit loss provision to net charge-offs | 23.4375% | 3,271 |
| Earnings coverage of net charge-offs (x) | 1.1969% | 3,721 |
| Efficiency ratio | 86.4088% | 791 |
| Assets per employee ($millions) | 4.0786% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 2,444 |
| Loan loss allowance to noncurrent loans | 23.8041% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 3.1900% | 347 |
| Noncurrent loans to loans | 5.6640% | 129 |
| Net loans and leases to total assets | 40.4926% | 5,355 |
| Net loans and leases to deposits | 47.5771% | 5,391 |
| Net loans and leases to core deposits | 49.8900% | 5,390 |
| Total domestic deposits to total assets | 85.1096% | 2,753 |
| Equity capital to assets | 14.4377% | 893 |
| Core capital (leverage) ratio | 14.1301% | 815 |
| Tier 1 risk-based capital ratio | 27.4215% | 617 |
| Total risk-based capital ratio | 28.5060% | 611 |
| Memoranda: | ||
| Average total assets | $116,032,500 | 4,090 |
| Average earning assets | $107,424,000 | 4,079 |
| Average equity | $16,002,000 | 3,721 |
| Average total loans | $47,838,500 | 4,674 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8336% | 3,835 |
| Cost of funding earning assets | 0.4032% | 3,005 |
| Net interest margin | 3.4304% | 3,759 |
| Noninterest income to average assets | 0.2298% | 5,110 |
| Noninterest expense to average assets | 3.0126% | 2,305 |
| Loan and lease loss provision to assets | 0.2915% | 624 |
| Net operating income to assets | 0.0527% | 5,719 |
| Return on assets (ROA) | 0.4184% | 5,066 |
| Pretax return on assets | 0.4870% | 5,161 |
| Return on Equity (ROE) | 3.0808% | 5,228 |
| Retained earnings to average equity (ytd only) | 3.0808% | 3,947 |
| Net charge-offs to loans | 0.3198% | 739 |
| Credit loss provision to net charge-offs | 220.7792% | 1,219 |
| Earnings coverage of net charge-offs (x) | 2.6753% | 3,235 |
| Efficiency ratio | 89.5059% | 627 |
| Assets per employee ($millions) | 4.1090% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0472% | 678 |
| Loan loss allowance to noncurrent loans | 37.3508% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 3.2420% | 358 |
| Noncurrent loans to loans | 5.4811% | 151 |
| Net loans and leases to total assets | 40.3392% | 5,405 |
| Net loans and leases to deposits | 47.2175% | 5,449 |
| Net loans and leases to core deposits | 50.1269% | 5,428 |
| Total domestic deposits to total assets | 85.4327% | 2,675 |
| Equity capital to assets | 14.0597% | 1,004 |
| Core capital (leverage) ratio | 13.5591% | 962 |
| Tier 1 risk-based capital ratio | 26.4215% | 699 |
| Total risk-based capital ratio | 27.6777% | 679 |
| Memoranda: | ||
| Average total assets | $116,643,000 | 4,113 |
| Average earning assets | $106,635,000 | 4,122 |
| Average equity | $15,840,000 | 3,758 |
| Average total loans | $48,159,670 | 4,707 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 3,300 |
| Cost of funding earning assets | 0.4217% | 2,844 |
| Net interest margin | 3.5560% | 3,251 |
| Noninterest income to average assets | 0.2248% | 5,132 |
| Noninterest expense to average assets | 3.0314% | 2,295 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3815% | 5,050 |
| Return on assets (ROA) | 0.5109% | 4,694 |
| Pretax return on assets | 0.5109% | 5,058 |
| Return on Equity (ROE) | 3.8285% | 4,947 |
| Retained earnings to average equity (ytd only) | 3.8285% | 3,580 |
| Net charge-offs to loans | 0.3131% | 695 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.9474% | 2,609 |
| Efficiency ratio | 88.8224% | 758 |
| Assets per employee ($millions) | 4.0101% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7289% | 1,288 |
| Loan loss allowance to noncurrent loans | 44.0651% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 2.6373% | 543 |
| Noncurrent loans to loans | 3.9236% | 317 |
| Net loans and leases to total assets | 41.0071% | 5,398 |
| Net loans and leases to deposits | 47.6232% | 5,437 |
| Net loans and leases to core deposits | 50.6425% | 5,418 |
| Total domestic deposits to total assets | 86.1074% | 2,627 |
| Equity capital to assets | 13.6123% | 1,134 |
| Core capital (leverage) ratio | 13.4505% | 1,005 |
| Tier 1 risk-based capital ratio | 25.3522% | 785 |
| Total risk-based capital ratio | 26.6054% | 771 |
| Memoranda: | ||
| Average total assets | $117,438,500 | 4,131 |
| Average earning assets | $105,288,000 | 4,176 |
| Average equity | $15,672,000 | 3,784 |
| Average total loans | $48,549,000 | 4,719 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4714% | 1,685 |
| Cost of funding earning assets | 0.5467% | 1,795 |
| Net interest margin | 3.9247% | 1,949 |
| Noninterest income to average assets | 0.1925% | 5,437 |
| Noninterest expense to average assets | 2.7037% | 3,568 |
| Loan and lease loss provision to assets | 0.2053% | 1,038 |
| Net operating income to assets | 0.6256% | 4,159 |
| Return on assets (ROA) | 0.4663% | 4,902 |
| Pretax return on assets | 0.4749% | 5,165 |
| Return on Equity (ROE) | 3.5977% | 5,106 |
| Retained earnings to average equity (ytd only) | 2.0794% | 4,541 |
| Net charge-offs to loans | 0.0844% | 2,632 |
| Credit loss provision to net charge-offs | 571.4286% | 582 |
| Earnings coverage of net charge-offs (x) | 23.4524% | 1,729 |
| Efficiency ratio | 76.2364% | 2,236 |
| Assets per employee ($millions) | 4.0891% | 3,777 |
| Cash dividends to net income (ytd only)* | 42.2018% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8056% | 1,124 |
| Loan loss allowance to noncurrent loans | 43.9599% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 2.7921% | 504 |
| Noncurrent loans to loans | 4.1074% | 290 |
| Net loans and leases to total assets | 40.2193% | 5,498 |
| Net loans and leases to deposits | 46.4275% | 5,545 |
| Net loans and leases to core deposits | 49.2971% | 5,525 |
| Total domestic deposits to total assets | 86.6282% | 2,307 |
| Equity capital to assets | 13.0826% | 1,313 |
| Core capital (leverage) ratio | 13.4858% | 976 |
| Tier 1 risk-based capital ratio | 25.9575% | 744 |
| Total risk-based capital ratio | 27.2127% | 723 |
| Memoranda: | ||
| Average total assets | $116,877,200 | 4,117 |
| Average earning assets | $99,879,600 | 4,294 |
| Average equity | $15,148,600 | 3,817 |
| Average total loans | $49,792,200 | 4,678 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 1,741 |
| Cost of funding earning assets | 0.5684% | 1,642 |
| Net interest margin | 3.8872% | 2,080 |
| Noninterest income to average assets | 0.2965% | 4,819 |
| Noninterest expense to average assets | 2.9608% | 2,632 |
| Loan and lease loss provision to assets | 0.2061% | 965 |
| Net operating income to assets | 0.4549% | 4,956 |
| Return on assets (ROA) | 0.2714% | 5,609 |
| Pretax return on assets | 0.2817% | 5,669 |
| Return on Equity (ROE) | 2.0986% | 5,646 |
| Retained earnings to average equity (ytd only) | 2.0986% | 4,832 |
| Net charge-offs to loans | 0.1091% | 2,036 |
| Credit loss provision to net charge-offs | 439.0244% | 709 |
| Earnings coverage of net charge-offs (x) | 14.4622% | 2,251 |
| Efficiency ratio | 81.3463% | 1,484 |
| Assets per employee ($millions) | 3.8819% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6421% | 1,635 |
| Loan loss allowance to noncurrent loans | 45.4444% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 3.2086% | 442 |
| Noncurrent loans to loans | 3.6134% | 419 |
| Net loans and leases to total assets | 43.5243% | 5,383 |
| Net loans and leases to deposits | 50.6214% | 5,441 |
| Net loans and leases to core deposits | 53.9959% | 5,404 |
| Total domestic deposits to total assets | 85.9799% | 2,529 |
| Equity capital to assets | 13.5227% | 1,219 |
| Core capital (leverage) ratio | 13.6336% | 968 |
| Tier 1 risk-based capital ratio | 23.6244% | 985 |
| Total risk-based capital ratio | 24.8688% | 974 |
| Memoranda: | ||
| Average total assets | $116,450,250 | 4,172 |
| Average earning assets | $100,154,750 | 4,328 |
| Average equity | $15,057,250 | 3,868 |
| Average total loans | $50,097,500 | 4,710 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4276% | 1,761 |
| Cost of funding earning assets | 0.5919% | 1,470 |
| Net interest margin | 3.8356% | 2,186 |
| Noninterest income to average assets | 0.2480% | 5,173 |
| Noninterest expense to average assets | 2.9148% | 2,844 |
| Loan and lease loss provision to assets | 0.1868% | 1,074 |
| Net operating income to assets | 0.3875% | 5,174 |
| Return on assets (ROA) | 0.2293% | 5,701 |
| Pretax return on assets | 0.2395% | 5,758 |
| Return on Equity (ROE) | 1.7998% | 5,731 |
| Retained earnings to average equity (ytd only) | 1.7998% | 4,800 |
| Net charge-offs to loans | 0.1275% | 1,735 |
| Credit loss provision to net charge-offs | 343.7500% | 841 |
| Earnings coverage of net charge-offs (x) | 10.8750% | 2,337 |
| Efficiency ratio | 83.1395% | 1,350 |
| Assets per employee ($millions) | 3.9793% | 3,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 2,231 |
| Loan loss allowance to noncurrent loans | 37.8879% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 3.2860% | 464 |
| Noncurrent loans to loans | 3.9957% | 389 |
| Net loans and leases to total assets | 42.6750% | 5,456 |
| Net loans and leases to deposits | 49.1036% | 5,549 |
| Net loans and leases to core deposits | 52.4244% | 5,516 |
| Total domestic deposits to total assets | 86.9081% | 2,214 |
| Equity capital to assets | 12.6993% | 1,547 |
| Core capital (leverage) ratio | 13.2299% | 1,081 |
| Tier 1 risk-based capital ratio | 23.8465% | 974 |
| Total risk-based capital ratio | 25.0166% | 965 |
| Memoranda: | ||
| Average total assets | $117,742,330 | 4,194 |
| Average earning assets | $100,010,000 | 4,368 |
| Average equity | $15,002,000 | 3,886 |
| Average total loans | $50,191,670 | 4,744 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3670% | 1,881 |
| Cost of funding earning assets | 0.6141% | 1,337 |
| Net interest margin | 3.7529% | 2,421 |
| Noninterest income to average assets | 0.2758% | 4,969 |
| Noninterest expense to average assets | 2.8525% | 3,061 |
| Loan and lease loss provision to assets | 0.1682% | 1,189 |
| Net operating income to assets | 0.3961% | 5,080 |
| Return on assets (ROA) | 0.3162% | 5,462 |
| Pretax return on assets | 0.3196% | 5,608 |
| Return on Equity (ROE) | 2.4777% | 5,543 |
| Retained earnings to average equity (ytd only) | 2.4777% | 4,448 |
| Net charge-offs to loans | -0.0557% | 5,571 |
| Credit loss provision to net charge-offs | -714.2857% | 4,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3825% | 1,444 |
| Assets per employee ($millions) | 4.0656% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4703% | 2,575 |
| Loan loss allowance to noncurrent loans | 34.0426% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 3.2298% | 549 |
| Noncurrent loans to loans | 4.3191% | 372 |
| Net loans and leases to total assets | 41.8318% | 5,501 |
| Net loans and leases to deposits | 48.1961% | 5,556 |
| Net loans and leases to core deposits | 51.3975% | 5,524 |
| Total domestic deposits to total assets | 86.7951% | 2,497 |
| Equity capital to assets | 12.9344% | 1,436 |
| Core capital (leverage) ratio | 13.0916% | 1,123 |
| Tier 1 risk-based capital ratio | 23.1891% | 1,085 |
| Total risk-based capital ratio | 24.2984% | 1,080 |
| Memoranda: | ||
| Average total assets | $118,913,500 | 4,204 |
| Average earning assets | $99,656,500 | 4,406 |
| Average equity | $15,175,500 | 3,891 |
| Average total loans | $50,285,500 | 4,776 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5990% | 1,559 |
| Cost of funding earning assets | 0.6560% | 1,371 |
| Net interest margin | 3.9430% | 2,078 |
| Noninterest income to average assets | 0.0382% | 6,320 |
| Noninterest expense to average assets | 2.6607% | 4,005 |
| Loan and lease loss provision to assets | 0.2915% | 711 |
| Net operating income to assets | 0.5066% | 4,790 |
| Return on assets (ROA) | 0.4051% | 5,268 |
| Pretax return on assets | 0.4051% | 5,474 |
| Return on Equity (ROE) | 3.3311% | 5,361 |
| Retained earnings to average equity (ytd only) | 2.3253% | 4,573 |
| Net charge-offs to loans | 0.9434% | 335 |
| Credit loss provision to net charge-offs | 66.7992% | 3,139 |
| Earnings coverage of net charge-offs (x) | 1.8290% | 4,325 |
| Efficiency ratio | 76.9250% | 2,360 |
| Assets per employee ($millions) | 3.9971% | 3,966 |
| Cash dividends to net income (ytd only)* | 30.1927% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 3,207 |
| Loan loss allowance to noncurrent loans | 32.8178% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 2.8562% | 743 |
| Noncurrent loans to loans | 4.0959% | 438 |
| Net loans and leases to total assets | 41.5593% | 5,655 |
| Net loans and leases to deposits | 47.6594% | 5,702 |
| Net loans and leases to core deposits | 50.6191% | 5,688 |
| Total domestic deposits to total assets | 87.2007% | 2,168 |
| Equity capital to assets | 12.5933% | 1,588 |
| Core capital (leverage) ratio | 13.3581% | 1,014 |
| Tier 1 risk-based capital ratio | 25.6806% | 784 |
| Total risk-based capital ratio | 26.8208% | 781 |
| Memoranda: | ||
| Average total assets | $115,271,600 | 4,270 |
| Average earning assets | $99,999,000 | 4,392 |
| Average equity | $14,019,400 | 4,022 |
| Average total loans | $53,320,400 | 4,714 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6445% | 1,449 |
| Cost of funding earning assets | 0.6580% | 1,405 |
| Net interest margin | 3.9865% | 1,921 |
| Noninterest income to average assets | -0.0678% | 6,517 |
| Noninterest expense to average assets | 2.8930% | 3,147 |
| Loan and lease loss provision to assets | 0.1414% | 1,769 |
| Net operating income to assets | 0.3578% | 5,405 |
| Return on assets (ROA) | 0.2652% | 5,760 |
| Pretax return on assets | 0.2979% | 5,777 |
| Return on Equity (ROE) | 2.2013% | 5,787 |
| Retained earnings to average equity (ytd only) | 2.2013% | 4,955 |
| Net charge-offs to loans | 0.5948% | 624 |
| Credit loss provision to net charge-offs | 50.2075% | 3,094 |
| Earnings coverage of net charge-offs (x) | 1.9294% | 4,036 |
| Efficiency ratio | 84.1891% | 1,370 |
| Assets per employee ($millions) | 3.7383% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 3,238 |
| Loan loss allowance to noncurrent loans | 36.5743% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 2.9113% | 825 |
| Noncurrent loans to loans | 3.7936% | 590 |
| Net loans and leases to total assets | 46.0089% | 5,377 |
| Net loans and leases to deposits | 53.1729% | 5,446 |
| Net loans and leases to core deposits | 56.9525% | 5,395 |
| Total domestic deposits to total assets | 86.5270% | 2,574 |
| Equity capital to assets | 12.9924% | 1,428 |
| Core capital (leverage) ratio | 13.5030% | 997 |
| Tier 1 risk-based capital ratio | 22.8965% | 1,128 |
| Total risk-based capital ratio | 23.9907% | 1,130 |
| Memoranda: | ||
| Average total assets | $114,111,250 | 4,329 |
| Average earning assets | $100,302,500 | 4,429 |
| Average equity | $13,749,000 | 4,086 |
| Average total loans | $54,022,000 | 4,729 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6840% | 1,314 |
| Cost of funding earning assets | 0.6606% | 1,430 |
| Net interest margin | 4.0234% | 1,751 |
| Noninterest income to average assets | -0.2248% | 6,629 |
| Noninterest expense to average assets | 2.9939% | 2,849 |
| Loan and lease loss provision to assets | 0.0453% | 3,410 |
| Net operating income to assets | 0.2088% | 5,807 |
| Return on assets (ROA) | 0.1795% | 5,941 |
| Pretax return on assets | 0.2231% | 5,914 |
| Return on Equity (ROE) | 1.5288% | 5,946 |
| Retained earnings to average equity (ytd only) | 1.5288% | 5,133 |
| Net charge-offs to loans | 0.4433% | 921 |
| Credit loss provision to net charge-offs | 21.4876% | 3,184 |
| Earnings coverage of net charge-offs (x) | 1.4463% | 3,803 |
| Efficiency ratio | 90.7554% | 852 |
| Assets per employee ($millions) | 3.7887% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 3,319 |
| Loan loss allowance to noncurrent loans | 36.1231% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 2.9905% | 849 |
| Noncurrent loans to loans | 3.8929% | 620 |
| Net loans and leases to total assets | 46.3259% | 5,331 |
| Net loans and leases to deposits | 53.1966% | 5,405 |
| Net loans and leases to core deposits | 56.8937% | 5,357 |
| Total domestic deposits to total assets | 87.0843% | 2,410 |
| Equity capital to assets | 12.4723% | 1,664 |
| Core capital (leverage) ratio | 13.1516% | 1,107 |
| Tier 1 risk-based capital ratio | 24.1290% | 965 |
| Total risk-based capital ratio | 25.3314% | 952 |
| Memoranda: | ||
| Average total assets | $114,765,000 | 4,354 |
| Average earning assets | $100,511,670 | 4,456 |
| Average equity | $13,475,000 | 4,138 |
| Average total loans | $54,587,670 | 4,731 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6624% | 1,339 |
| Cost of funding earning assets | 0.6638% | 1,487 |
| Net interest margin | 3.9986% | 1,769 |
| Noninterest income to average assets | -0.2047% | 6,688 |
| Noninterest expense to average assets | 2.8894% | 3,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3499% | 5,311 |
| Return on assets (ROA) | 0.2983% | 5,541 |
| Pretax return on assets | 0.3191% | 5,671 |
| Return on Equity (ROE) | 2.6211% | 5,581 |
| Retained earnings to average equity (ytd only) | 2.6211% | 4,503 |
| Net charge-offs to loans | 0.7249% | 480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.0800% | 3,185 |
| Efficiency ratio | 88.5228% | 1,174 |
| Assets per employee ($millions) | 3.8573% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 3,788 |
| Loan loss allowance to noncurrent loans | 33.2146% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 3.2372% | 834 |
| Noncurrent loans to loans | 4.0979% | 642 |
| Net loans and leases to total assets | 46.7187% | 5,254 |
| Net loans and leases to deposits | 53.0566% | 5,372 |
| Net loans and leases to core deposits | 56.6290% | 5,311 |
| Total domestic deposits to total assets | 88.0546% | 2,209 |
| Equity capital to assets | 11.6689% | 2,125 |
| Core capital (leverage) ratio | 13.2959% | 1,040 |
| Tier 1 risk-based capital ratio | 23.2499% | 1,109 |
| Total risk-based capital ratio | 24.4022% | 1,107 |
| Memoranda: | ||
| Average total assets | $115,317,500 | 4,383 |
| Average earning assets | $100,035,000 | 4,510 |
| Average equity | $13,124,500 | 4,214 |
| Average total loans | $55,179,000 | 4,755 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7913% | 1,340 |
| Cost of funding earning assets | 0.7642% | 1,417 |
| Net interest margin | 4.0272% | 1,876 |
| Noninterest income to average assets | 0.2145% | 5,798 |
| Noninterest expense to average assets | 2.7424% | 3,937 |
| Loan and lease loss provision to assets | 0.5885% | 432 |
| Net operating income to assets | 0.3328% | 5,399 |
| Return on assets (ROA) | 0.2436% | 5,774 |
| Pretax return on assets | 0.2436% | 5,858 |
| Return on Equity (ROE) | 2.0932% | 5,808 |
| Retained earnings to average equity (ytd only) | 2.0932% | 4,746 |
| Net charge-offs to loans | 1.1159% | 499 |
| Credit loss provision to net charge-offs | 107.0203% | 2,249 |
| Earnings coverage of net charge-offs (x) | 1.6755% | 4,492 |
| Efficiency ratio | 74.8537% | 2,975 |
| Assets per employee ($millions) | 3.5912% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 3,080 |
| Loan loss allowance to noncurrent loans | 32.6767% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 3.6887% | 763 |
| Noncurrent loans to loans | 4.6607% | 560 |
| Net loans and leases to total assets | 47.6031% | 5,338 |
| Net loans and leases to deposits | 53.6861% | 5,495 |
| Net loans and leases to core deposits | 57.3165% | 5,440 |
| Total domestic deposits to total assets | 88.6692% | 1,818 |
| Equity capital to assets | 11.0915% | 2,530 |
| Core capital (leverage) ratio | 13.3171% | 1,014 |
| Tier 1 risk-based capital ratio | 22.8022% | 1,129 |
| Total risk-based capital ratio | 24.0531% | 1,103 |
| Memoranda: | ||
| Average total assets | $116,577,200 | 4,348 |
| Average earning assets | $99,846,600 | 4,524 |
| Average equity | $13,567,600 | 4,151 |
| Average total loans | $57,444,600 | 4,700 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7712% | 1,415 |
| Cost of funding earning assets | 0.7814% | 1,423 |
| Net interest margin | 3.9897% | 1,980 |
| Noninterest income to average assets | 0.3123% | 5,206 |
| Noninterest expense to average assets | 2.8058% | 3,641 |
| Loan and lease loss provision to assets | 0.6439% | 353 |
| Net operating income to assets | 0.2414% | 5,803 |
| Return on assets (ROA) | 0.1789% | 6,035 |
| Pretax return on assets | 0.2063% | 6,031 |
| Return on Equity (ROE) | 1.5199% | 6,066 |
| Retained earnings to average equity (ytd only) | 1.5199% | 5,370 |
| Net charge-offs to loans | 1.3674% | 382 |
| Credit loss provision to net charge-offs | 95.1178% | 2,504 |
| Earnings coverage of net charge-offs (x) | 1.3620% | 4,382 |
| Efficiency ratio | 75.2675% | 2,853 |
| Assets per employee ($millions) | 3.4814% | 4,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 3,949 |
| Loan loss allowance to noncurrent loans | 32.2473% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 3.7225% | 885 |
| Noncurrent loans to loans | 4.3026% | 784 |
| Net loans and leases to total assets | 49.2523% | 5,219 |
| Net loans and leases to deposits | 55.8071% | 5,387 |
| Net loans and leases to core deposits | 60.2122% | 5,281 |
| Total domestic deposits to total assets | 88.2545% | 1,965 |
| Equity capital to assets | 11.3506% | 2,432 |
| Core capital (leverage) ratio | 13.1104% | 1,161 |
| Tier 1 risk-based capital ratio | 22.8026% | 1,179 |
| Total risk-based capital ratio | 23.9889% | 1,172 |
| Memoranda: | ||
| Average total assets | $116,992,250 | 4,380 |
| Average earning assets | $100,154,750 | 4,556 |
| Average equity | $13,773,000 | 4,158 |
| Average total loans | $57,918,250 | 4,736 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7733% | 1,389 |
| Cost of funding earning assets | 0.7975% | 1,431 |
| Net interest margin | 3.9758% | 1,942 |
| Noninterest income to average assets | 0.3079% | 5,241 |
| Noninterest expense to average assets | 2.6738% | 4,128 |
| Loan and lease loss provision to assets | 0.8329% | 253 |
| Net operating income to assets | 0.1374% | 6,047 |
| Return on assets (ROA) | 0.1329% | 6,162 |
| Pretax return on assets | 0.1514% | 6,158 |
| Return on Equity (ROE) | 1.1167% | 6,182 |
| Retained earnings to average equity (ytd only) | 1.1167% | 5,452 |
| Net charge-offs to loans | 1.8610% | 248 |
| Credit loss provision to net charge-offs | 90.6593% | 2,424 |
| Earnings coverage of net charge-offs (x) | 1.0769% | 4,172 |
| Efficiency ratio | 72.9904% | 3,309 |
| Assets per employee ($millions) | 3.6129% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 4,366 |
| Loan loss allowance to noncurrent loans | 30.6748% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 3.6622% | 1,013 |
| Noncurrent loans to loans | 4.3328% | 833 |
| Net loans and leases to total assets | 48.1603% | 5,315 |
| Net loans and leases to deposits | 54.5150% | 5,471 |
| Net loans and leases to core deposits | 58.8640% | 5,357 |
| Total domestic deposits to total assets | 88.3431% | 2,017 |
| Equity capital to assets | 11.3109% | 2,452 |
| Core capital (leverage) ratio | 12.4348% | 1,397 |
| Tier 1 risk-based capital ratio | 21.7134% | 1,350 |
| Total risk-based capital ratio | 22.8167% | 1,342 |
| Memoranda: | ||
| Average total assets | $118,855,000 | 4,371 |
| Average earning assets | $100,307,670 | 4,580 |
| Average equity | $14,149,000 | 4,119 |
| Average total loans | $58,677,330 | 4,718 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8821% | 1,128 |
| Cost of funding earning assets | 0.8263% | 1,387 |
| Net interest margin | 4.0558% | 1,606 |
| Noninterest income to average assets | 0.3453% | 4,925 |
| Noninterest expense to average assets | 2.6960% | 4,077 |
| Loan and lease loss provision to assets | 0.7470% | 309 |
| Net operating income to assets | 0.2537% | 5,714 |
| Return on assets (ROA) | 0.1926% | 6,026 |
| Pretax return on assets | 0.2092% | 6,058 |
| Return on Equity (ROE) | 1.5798% | 6,062 |
| Retained earnings to average equity (ytd only) | 1.5798% | 5,192 |
| Net charge-offs to loans | 1.7926% | 272 |
| Credit loss provision to net charge-offs | 83.9552% | 2,112 |
| Earnings coverage of net charge-offs (x) | 1.1493% | 3,446 |
| Efficiency ratio | 72.5000% | 3,518 |
| Assets per employee ($millions) | 3.7468% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 4,705 |
| Loan loss allowance to noncurrent loans | 38.8121% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 3.1135% | 1,422 |
| Noncurrent loans to loans | 3.3462% | 1,447 |
| Net loans and leases to total assets | 48.0475% | 5,222 |
| Net loans and leases to deposits | 54.8361% | 5,371 |
| Net loans and leases to core deposits | 59.2628% | 5,220 |
| Total domestic deposits to total assets | 87.6201% | 2,555 |
| Equity capital to assets | 12.1238% | 1,954 |
| Core capital (leverage) ratio | 12.3779% | 1,392 |
| Tier 1 risk-based capital ratio | 20.4051% | 1,673 |
| Total risk-based capital ratio | 21.4544% | 1,694 |
| Memoranda: | ||
| Average total assets | $120,475,500 | 4,389 |
| Average earning assets | $100,203,000 | 4,619 |
| Average equity | $14,685,000 | 4,057 |
| Average total loans | $59,801,000 | 4,716 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0523% | 1,424 |
| Cost of funding earning assets | 1.0324% | 1,197 |
| Net interest margin | 4.0199% | 2,318 |
| Noninterest income to average assets | 0.1509% | 6,284 |
| Noninterest expense to average assets | 2.5081% | 5,064 |
| Loan and lease loss provision to assets | 1.5163% | 211 |
| Net operating income to assets | -0.3834% | 6,508 |
| Return on assets (ROA) | 0.0261% | 6,271 |
| Pretax return on assets | 0.0261% | 6,252 |
| Return on Equity (ROE) | 0.2156% | 6,275 |
| Retained earnings to average equity (ytd only) | 0.2156% | 5,740 |
| Net charge-offs to loans | 2.9778% | 174 |
| Credit loss provision to net charge-offs | 92.9035% | 3,352 |
| Earnings coverage of net charge-offs (x) | 0.6942% | 5,137 |
| Efficiency ratio | 68.8844% | 3,990 |
| Assets per employee ($millions) | 3.7830% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 4,590 |
| Loan loss allowance to noncurrent loans | 21.0278% | 6,358 |
| Noncurrent assets plus other real estate owned to assets | 4.6268% | 881 |
| Noncurrent loans to loans | 6.2283% | 560 |
| Net loans and leases to total assets | 49.9236% | 5,175 |
| Net loans and leases to deposits | 57.0707% | 5,330 |
| Net loans and leases to core deposits | 61.8191% | 5,172 |
| Total domestic deposits to total assets | 87.4768% | 2,541 |
| Equity capital to assets | 12.2539% | 1,887 |
| Core capital (leverage) ratio | 12.4253% | 1,353 |
| Tier 1 risk-based capital ratio | 19.9714% | 1,686 |
| Total risk-based capital ratio | 21.0624% | 1,699 |
| Memoranda: | ||
| Average total assets | $122,602,400 | 4,299 |
| Average earning assets | $106,446,400 | 4,433 |
| Average equity | $14,840,000 | 3,999 |
| Average total loans | $67,197,600 | 4,452 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0217% | 1,636 |
| Cost of funding earning assets | 1.0556% | 1,260 |
| Net interest margin | 3.9661% | 2,644 |
| Noninterest income to average assets | 0.1192% | 6,544 |
| Noninterest expense to average assets | 2.5075% | 5,055 |
| Loan and lease loss provision to assets | 1.4158% | 229 |
| Net operating income to assets | -0.2394% | 6,520 |
| Return on assets (ROA) | 0.1669% | 6,143 |
| Pretax return on assets | 0.1973% | 6,130 |
| Return on Equity (ROE) | 1.3835% | 6,176 |
| Retained earnings to average equity (ytd only) | 1.3835% | 5,621 |
| Net charge-offs to loans | 2.9078% | 190 |
| Credit loss provision to net charge-offs | 87.1829% | 3,389 |
| Earnings coverage of net charge-offs (x) | 0.6989% | 4,974 |
| Efficiency ratio | 68.8393% | 3,907 |
| Assets per employee ($millions) | 3.5960% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 5,697 |
| Loan loss allowance to noncurrent loans | 16.1644% | 6,575 |
| Noncurrent assets plus other real estate owned to assets | 5.5869% | 758 |
| Noncurrent loans to loans | 6.8429% | 541 |
| Net loans and leases to total assets | 58.3490% | 4,073 |
| Net loans and leases to deposits | 67.6275% | 4,241 |
| Net loans and leases to core deposits | 73.9374% | 3,981 |
| Total domestic deposits to total assets | 86.2800% | 3,101 |
| Equity capital to assets | 13.1421% | 1,521 |
| Core capital (leverage) ratio | 13.1602% | 1,128 |
| Tier 1 risk-based capital ratio | 19.2068% | 1,946 |
| Total risk-based capital ratio | 20.1811% | 1,998 |
| Memoranda: | ||
| Average total assets | $122,989,250 | 4,330 |
| Average earning assets | $109,255,500 | 4,415 |
| Average equity | $14,841,500 | 4,040 |
| Average total loans | $68,687,750 | 4,443 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0633% | 1,623 |
| Cost of funding earning assets | 1.0983% | 1,230 |
| Net interest margin | 3.9650% | 2,657 |
| Noninterest income to average assets | -0.0446% | 7,050 |
| Noninterest expense to average assets | 2.4103% | 5,423 |
| Loan and lease loss provision to assets | 1.3038% | 305 |
| Net operating income to assets | -0.2543% | 6,582 |
| Return on assets (ROA) | 0.2149% | 6,060 |
| Pretax return on assets | 0.2245% | 6,112 |
| Return on Equity (ROE) | 1.8308% | 6,093 |
| Retained earnings to average equity (ytd only) | 1.8308% | 5,281 |
| Net charge-offs to loans | 2.7323% | 233 |
| Credit loss provision to net charge-offs | 86.9427% | 3,133 |
| Earnings coverage of net charge-offs (x) | 0.6932% | 4,710 |
| Efficiency ratio | 69.8662% | 3,788 |
| Assets per employee ($millions) | 3.7790% | 4,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 5,206 |
| Loan loss allowance to noncurrent loans | 16.7176% | 6,604 |
| Noncurrent assets plus other real estate owned to assets | 5.5032% | 810 |
| Noncurrent loans to loans | 7.3599% | 507 |
| Net loans and leases to total assets | 54.4328% | 4,723 |
| Net loans and leases to deposits | 62.2665% | 4,964 |
| Net loans and leases to core deposits | 68.1129% | 4,771 |
| Total domestic deposits to total assets | 87.4191% | 2,525 |
| Equity capital to assets | 12.2328% | 1,980 |
| Core capital (leverage) ratio | 12.3482% | 1,419 |
| Tier 1 risk-based capital ratio | 18.8884% | 1,997 |
| Total risk-based capital ratio | 19.9359% | 2,031 |
| Memoranda: | ||
| Average total assets | $125,628,000 | 4,301 |
| Average earning assets | $110,718,000 | 4,395 |
| Average equity | $14,747,670 | 4,046 |
| Average total loans | $68,952,000 | 4,451 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0972% | 1,579 |
| Cost of funding earning assets | 1.1696% | 1,109 |
| Net interest margin | 3.9276% | 2,811 |
| Noninterest income to average assets | -0.2907% | 7,224 |
| Noninterest expense to average assets | 2.5098% | 5,119 |
| Loan and lease loss provision to assets | 0.8814% | 511 |
| Net operating income to assets | -0.1935% | 6,628 |
| Return on assets (ROA) | 0.1063% | 6,351 |
| Pretax return on assets | 0.1532% | 6,288 |
| Return on Equity (ROE) | 0.9236% | 6,362 |
| Retained earnings to average equity (ytd only) | 0.9236% | 5,698 |
| Net charge-offs to loans | 2.3622% | 358 |
| Credit loss provision to net charge-offs | 68.1159% | 2,956 |
| Earnings coverage of net charge-offs (x) | 0.4638% | 4,112 |
| Efficiency ratio | 80.7035% | 2,118 |
| Assets per employee ($millions) | 3.9768% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 5,581 |
| Loan loss allowance to noncurrent loans | 16.1009% | 6,660 |
| Noncurrent assets plus other real estate owned to assets | 5.3333% | 946 |
| Noncurrent loans to loans | 7.3367% | 583 |
| Net loans and leases to total assets | 53.3122% | 4,835 |
| Net loans and leases to deposits | 60.5042% | 5,095 |
| Net loans and leases to core deposits | 66.0674% | 4,903 |
| Total domestic deposits to total assets | 88.1131% | 2,239 |
| Equity capital to assets | 11.5380% | 2,405 |
| Core capital (leverage) ratio | 12.3011% | 1,435 |
| Tier 1 risk-based capital ratio | 18.2607% | 2,213 |
| Total risk-based capital ratio | 19.2693% | 2,253 |
| Memoranda: | ||
| Average total assets | $127,977,500 | 4,282 |
| Average earning assets | $110,806,000 | 4,417 |
| Average equity | $14,725,000 | 4,052 |
| Average total loans | $70,105,500 | 4,445 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6587% | 851 |
| Cost of funding earning assets | 1.5574% | 565 |
| Net interest margin | 4.1012% | 2,421 |
| Noninterest income to average assets | -0.5857% | 7,277 |
| Noninterest expense to average assets | 2.4038% | 5,766 |
| Loan and lease loss provision to assets | 0.4713% | 2,244 |
| Net operating income to assets | 0.1298% | 5,792 |
| Return on assets (ROA) | 0.2179% | 5,672 |
| Pretax return on assets | 0.2345% | 5,705 |
| Return on Equity (ROE) | 1.9139% | 5,694 |
| Retained earnings to average equity (ytd only) | 1.0124% | 5,388 |
| Net charge-offs to loans | 0.6210% | 2,595 |
| Credit loss provision to net charge-offs | 125.4202% | 2,497 |
| Earnings coverage of net charge-offs (x) | 1.6261% | 4,552 |
| Efficiency ratio | 79.7329% | 2,341 |
| Assets per employee ($millions) | 3.8999% | 4,073 |
| Cash dividends to net income (ytd only)* | 47.1014% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 4,820 |
| Loan loss allowance to noncurrent loans | 20.5805% | 6,598 |
| Noncurrent assets plus other real estate owned to assets | 5.1765% | 1,013 |
| Noncurrent loans to loans | 6.4034% | 740 |
| Net loans and leases to total assets | 54.8676% | 4,902 |
| Net loans and leases to deposits | 62.2893% | 5,202 |
| Net loans and leases to core deposits | 67.8286% | 5,049 |
| Total domestic deposits to total assets | 88.0852% | 2,100 |
| Equity capital to assets | 11.4742% | 2,527 |
| Core capital (leverage) ratio | 12.5138% | 1,344 |
| Tier 1 risk-based capital ratio | 17.6502% | 2,319 |
| Total risk-based capital ratio | 18.7863% | 2,336 |
| Memoranda: | ||
| Average total assets | $126,675,400 | 4,237 |
| Average earning assets | $111,210,200 | 4,366 |
| Average equity | $14,420,600 | 4,025 |
| Average total loans | $76,650,800 | 4,246 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8696% | 597 |
| Cost of funding earning assets | 1.6243% | 524 |
| Net interest margin | 4.2453% | 1,928 |
| Noninterest income to average assets | -0.7049% | 7,381 |
| Noninterest expense to average assets | 2.5267% | 5,369 |
| Loan and lease loss provision to assets | 0.4724% | 2,101 |
| Net operating income to assets | 0.0326% | 6,107 |
| Return on assets (ROA) | 0.1712% | 5,900 |
| Pretax return on assets | 0.2145% | 5,870 |
| Return on Equity (ROE) | 1.5068% | 5,935 |
| Retained earnings to average equity (ytd only) | 1.5068% | 5,381 |
| Net charge-offs to loans | 0.6314% | 2,355 |
| Credit loss provision to net charge-offs | 121.1382% | 2,675 |
| Earnings coverage of net charge-offs (x) | 1.3171% | 4,631 |
| Efficiency ratio | 83.1074% | 1,836 |
| Assets per employee ($millions) | 3.7346% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 5,568 |
| Loan loss allowance to noncurrent loans | 30.3644% | 6,230 |
| Noncurrent assets plus other real estate owned to assets | 4.2567% | 1,434 |
| Noncurrent loans to loans | 3.8679% | 1,727 |
| Net loans and leases to total assets | 61.4487% | 3,860 |
| Net loans and leases to deposits | 70.4406% | 4,232 |
| Net loans and leases to core deposits | 77.1150% | 4,031 |
| Total domestic deposits to total assets | 87.2348% | 2,504 |
| Equity capital to assets | 12.0918% | 2,175 |
| Core capital (leverage) ratio | 12.3949% | 1,484 |
| Tier 1 risk-based capital ratio | 17.1682% | 2,579 |
| Total risk-based capital ratio | 18.2217% | 2,617 |
| Memoranda: | ||
| Average total assets | $126,170,000 | 4,267 |
| Average earning assets | $111,304,500 | 4,381 |
| Average equity | $14,334,000 | 4,073 |
| Average total loans | $77,924,500 | 4,248 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9460% | 527 |
| Cost of funding earning assets | 1.6884% | 487 |
| Net interest margin | 4.2577% | 1,810 |
| Noninterest income to average assets | -0.3964% | 7,407 |
| Noninterest expense to average assets | 2.5750% | 5,280 |
| Loan and lease loss provision to assets | 0.5222% | 1,875 |
| Net operating income to assets | 0.2155% | 5,685 |
| Return on assets (ROA) | 0.2155% | 5,797 |
| Pretax return on assets | 0.2470% | 5,815 |
| Return on Equity (ROE) | 1.9371% | 5,808 |
| Retained earnings to average equity (ytd only) | 1.9371% | 5,010 |
| Net charge-offs to loans | 0.7632% | 1,974 |
| Credit loss provision to net charge-offs | 111.0368% | 2,761 |
| Earnings coverage of net charge-offs (x) | 1.6355% | 4,067 |
| Efficiency ratio | 76.9991% | 2,860 |
| Assets per employee ($millions) | 3.7785% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 5,920 |
| Loan loss allowance to noncurrent loans | 30.5030% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 4.7365% | 1,312 |
| Noncurrent loans to loans | 3.6380% | 1,932 |
| Net loans and leases to total assets | 61.1055% | 4,072 |
| Net loans and leases to deposits | 69.6488% | 4,482 |
| Net loans and leases to core deposits | 75.7160% | 4,353 |
| Total domestic deposits to total assets | 87.7337% | 2,326 |
| Equity capital to assets | 11.7250% | 2,310 |
| Core capital (leverage) ratio | 12.1815% | 1,512 |
| Tier 1 risk-based capital ratio | 16.6754% | 2,660 |
| Total risk-based capital ratio | 17.6492% | 2,750 |
| Memoranda: | ||
| Average total assets | $127,146,330 | 4,281 |
| Average earning assets | $111,704,670 | 4,394 |
| Average equity | $14,144,670 | 4,098 |
| Average total loans | $78,356,000 | 4,278 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8796% | 625 |
| Cost of funding earning assets | 1.7383% | 478 |
| Net interest margin | 4.1413% | 2,113 |
| Noninterest income to average assets | -0.8974% | 7,532 |
| Noninterest expense to average assets | 2.5176% | 5,495 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2150% | 5,733 |
| Return on assets (ROA) | 0.0872% | 6,181 |
| Pretax return on assets | 0.0872% | 6,201 |
| Return on Equity (ROE) | 0.8053% | 6,192 |
| Retained earnings to average equity (ytd only) | 0.8053% | 5,504 |
| Net charge-offs to loans | 0.1772% | 3,433 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.9714% | 3,323 |
| Efficiency ratio | 92.1323% | 1,154 |
| Assets per employee ($millions) | 3.8798% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 6,332 |
| Loan loss allowance to noncurrent loans | 66.6949% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 3.4264% | 1,986 |
| Noncurrent loans to loans | 1.5239% | 4,185 |
| Net loans and leases to total assets | 59.8618% | 4,291 |
| Net loans and leases to deposits | 67.5718% | 4,737 |
| Net loans and leases to core deposits | 73.2293% | 4,627 |
| Total domestic deposits to total assets | 88.5898% | 2,024 |
| Equity capital to assets | 10.9259% | 2,757 |
| Core capital (leverage) ratio | 12.0332% | 1,548 |
| Tier 1 risk-based capital ratio | 16.0794% | 2,868 |
| Total risk-based capital ratio | 16.9501% | 3,016 |
| Memoranda: | ||
| Average total assets | $128,374,000 | 4,297 |
| Average earning assets | $112,524,000 | 4,395 |
| Average equity | $13,907,000 | 4,123 |
| Average total loans | $79,010,000 | 4,291 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9569% | 932 |
| Cost of funding earning assets | 2.1026% | 424 |
| Net interest margin | 3.8543% | 3,718 |
| Noninterest income to average assets | -0.3130% | 7,513 |
| Noninterest expense to average assets | 2.2741% | 6,426 |
| Loan and lease loss provision to assets | 0.7756% | 2,117 |
| Net operating income to assets | 0.1001% | 5,588 |
| Return on assets (ROA) | 0.2030% | 5,428 |
| Pretax return on assets | 0.2231% | 5,434 |
| Return on Equity (ROE) | 1.8193% | 5,461 |
| Retained earnings to average equity (ytd only) | 0.9444% | 5,083 |
| Net charge-offs to loans | 1.5762% | 1,384 |
| Credit loss provision to net charge-offs | 76.0061% | 5,697 |
| Earnings coverage of net charge-offs (x) | 0.8679% | 5,264 |
| Efficiency ratio | 71.9716% | 3,803 |
| Assets per employee ($millions) | 3.9004% | 4,003 |
| Cash dividends to net income (ytd only)* | 48.0916% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 6,287 |
| Loan loss allowance to noncurrent loans | 362.1145% | 860 |
| Noncurrent assets plus other real estate owned to assets | 3.1162% | 2,267 |
| Noncurrent loans to loans | 0.2817% | 6,494 |
| Net loans and leases to total assets | 61.9728% | 4,293 |
| Net loans and leases to deposits | 69.8393% | 4,833 |
| Net loans and leases to core deposits | 75.5105% | 4,784 |
| Total domestic deposits to total assets | 88.7362% | 1,803 |
| Equity capital to assets | 10.7410% | 2,910 |
| Core capital (leverage) ratio | 11.8993% | 1,618 |
| Tier 1 risk-based capital ratio | 15.4477% | 3,019 |
| Total risk-based capital ratio | 16.3232% | 3,149 |
| Memoranda: | ||
| Average total assets | $129,063,400 | 4,291 |
| Average earning assets | $116,285,000 | 4,309 |
| Average equity | $14,401,200 | 4,046 |
| Average total loans | $83,554,800 | 4,223 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9531% | 1,026 |
| Cost of funding earning assets | 2.1645% | 423 |
| Net interest margin | 3.7886% | 4,015 |
| Noninterest income to average assets | 0.0547% | 7,250 |
| Noninterest expense to average assets | 2.4023% | 6,034 |
| Loan and lease loss provision to assets | 0.9394% | 1,603 |
| Net operating income to assets | 0.1306% | 5,688 |
| Return on assets (ROA) | 0.2798% | 5,402 |
| Pretax return on assets | 0.3273% | 5,430 |
| Return on Equity (ROE) | 2.4841% | 5,438 |
| Retained earnings to average equity (ytd only) | 2.4841% | 4,684 |
| Net charge-offs to loans | 2.0372% | 923 |
| Credit loss provision to net charge-offs | 70.6522% | 5,400 |
| Earnings coverage of net charge-offs (x) | 0.8207% | 5,233 |
| Efficiency ratio | 68.7648% | 4,317 |
| Assets per employee ($millions) | 3.8851% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9045% | 6,732 |
| Loan loss allowance to noncurrent loans | 107.3446% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 1.8096% | 3,736 |
| Noncurrent loans to loans | 0.8426% | 5,536 |
| Net loans and leases to total assets | 64.9450% | 3,914 |
| Net loans and leases to deposits | 74.1099% | 4,488 |
| Net loans and leases to core deposits | 80.9386% | 4,391 |
| Total domestic deposits to total assets | 87.6333% | 2,193 |
| Equity capital to assets | 11.5423% | 2,496 |
| Core capital (leverage) ratio | 11.7949% | 1,768 |
| Tier 1 risk-based capital ratio | 15.5869% | 2,946 |
| Total risk-based capital ratio | 16.3961% | 3,158 |
| Memoranda: | ||
| Average total assets | $129,151,000 | 4,344 |
| Average earning assets | $117,224,500 | 4,351 |
| Average equity | $14,545,250 | 4,086 |
| Average total loans | $84,296,250 | 4,275 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9131% | 1,153 |
| Cost of funding earning assets | 2.1955% | 474 |
| Net interest margin | 3.7176% | 4,282 |
| Noninterest income to average assets | -0.0294% | 7,570 |
| Noninterest expense to average assets | 2.3883% | 6,096 |
| Loan and lease loss provision to assets | 0.6396% | 2,247 |
| Net operating income to assets | 0.2747% | 5,280 |
| Return on assets (ROA) | 0.3491% | 5,142 |
| Pretax return on assets | 0.4063% | 5,204 |
| Return on Equity (ROE) | 3.1256% | 5,164 |
| Retained earnings to average equity (ytd only) | 3.1256% | 4,121 |
| Net charge-offs to loans | 1.7704% | 1,049 |
| Credit loss provision to net charge-offs | 55.4217% | 5,311 |
| Earnings coverage of net charge-offs (x) | 0.8313% | 4,940 |
| Efficiency ratio | 71.3429% | 3,931 |
| Assets per employee ($millions) | 3.9318% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 6,601 |
| Loan loss allowance to noncurrent loans | 43.5606% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 1.9083% | 3,610 |
| Noncurrent loans to loans | 2.1771% | 3,504 |
| Net loans and leases to total assets | 64.7992% | 4,090 |
| Net loans and leases to deposits | 73.6884% | 4,725 |
| Net loans and leases to core deposits | 81.8483% | 4,437 |
| Total domestic deposits to total assets | 87.9368% | 2,038 |
| Equity capital to assets | 11.3395% | 2,559 |
| Core capital (leverage) ratio | 11.9052% | 1,704 |
| Tier 1 risk-based capital ratio | 15.6086% | 2,843 |
| Total risk-based capital ratio | 16.4695% | 3,009 |
| Memoranda: | ||
| Average total assets | $129,465,670 | 4,367 |
| Average earning assets | $117,603,000 | 4,378 |
| Average equity | $14,461,000 | 4,099 |
| Average total loans | $84,387,000 | 4,309 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0069% | 971 |
| Cost of funding earning assets | 2.2294% | 541 |
| Net interest margin | 3.7775% | 3,883 |
| Noninterest income to average assets | -0.2753% | 7,820 |
| Noninterest expense to average assets | 2.3754% | 6,177 |
| Loan and lease loss provision to assets | 0.4763% | 2,596 |
| Net operating income to assets | 0.2691% | 5,424 |
| Return on assets (ROA) | 0.2443% | 5,646 |
| Pretax return on assets | 0.2443% | 5,760 |
| Return on Equity (ROE) | 2.2044% | 5,674 |
| Retained earnings to average equity (ytd only) | 2.2044% | 4,804 |
| Net charge-offs to loans | 3.2850% | 449 |
| Credit loss provision to net charge-offs | 22.2865% | 4,920 |
| Earnings coverage of net charge-offs (x) | 0.3488% | 4,723 |
| Efficiency ratio | 76.1150% | 3,192 |
| Assets per employee ($millions) | 3.9710% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7064% | 7,326 |
| Loan loss allowance to noncurrent loans | 33.3333% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 1.6903% | 3,945 |
| Noncurrent loans to loans | 2.1193% | 3,627 |
| Net loans and leases to total assets | 64.4638% | 4,227 |
| Net loans and leases to deposits | 72.9090% | 4,925 |
| Net loans and leases to core deposits | 81.6351% | 4,542 |
| Total domestic deposits to total assets | 88.4169% | 1,844 |
| Equity capital to assets | 11.0024% | 2,760 |
| Core capital (leverage) ratio | 11.7063% | 1,799 |
| Tier 1 risk-based capital ratio | 15.6268% | 2,817 |
| Total risk-based capital ratio | 16.2769% | 3,063 |
| Memoranda: | ||
| Average total assets | $129,323,500 | 4,426 |
| Average earning assets | $116,266,000 | 4,465 |
| Average equity | $14,335,000 | 4,160 |
| Average total loans | $84,139,500 | 4,380 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8940% | 2,267 |
| Cost of funding earning assets | 2.5383% | 929 |
| Net interest margin | 3.3558% | 5,538 |
| Noninterest income to average assets | 0.0773% | 7,364 |
| Noninterest expense to average assets | 2.4627% | 6,261 |
| Loan and lease loss provision to assets | 0.6777% | 3,108 |
| Net operating income to assets | 0.0228% | 5,423 |
| Return on assets (ROA) | 0.2058% | 4,945 |
| Pretax return on assets | 0.2294% | 4,939 |
| Return on Equity (ROE) | 1.7422% | 5,004 |
| Retained earnings to average equity (ytd only) | -1.9694% | 5,509 |
| Net charge-offs to loans | 0.9194% | 2,549 |
| Credit loss provision to net charge-offs | 110.3311% | 4,988 |
| Earnings coverage of net charge-offs (x) | 1.1457% | 4,974 |
| Efficiency ratio | 77.7749% | 3,231 |
| Assets per employee ($millions) | 3.7530% | 4,391 |
| Cash dividends to net income (ytd only)* | 213.0435% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 4,397 |
| Loan loss allowance to noncurrent loans | 47.0637% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 2.3651% | 2,936 |
| Noncurrent loans to loans | 2.9062% | 2,657 |
| Net loans and leases to total assets | 64.3120% | 4,533 |
| Net loans and leases to deposits | 72.8752% | 5,212 |
| Net loans and leases to core deposits | 110.9498% | 2,800 |
| Total domestic deposits to total assets | 88.2495% | 1,858 |
| Equity capital to assets | 11.1690% | 2,561 |
| Core capital (leverage) ratio | 12.1773% | 1,590 |
| Tier 1 risk-based capital ratio | 15.8696% | 2,581 |
| Total risk-based capital ratio | 17.1199% | 2,512 |
| Memoranda: | ||
| Average total assets | $122,916,000 | 4,493 |
| Average earning assets | $113,148,600 | 4,471 |
| Average equity | $14,522,200 | 4,142 |
| Average total loans | $82,122,800 | 4,440 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9338% | 2,302 |
| Cost of funding earning assets | 2.5893% | 1,059 |
| Net interest margin | 3.3445% | 5,466 |
| Noninterest income to average assets | 0.2212% | 6,645 |
| Noninterest expense to average assets | 2.5276% | 5,985 |
| Loan and lease loss provision to assets | 0.8082% | 2,347 |
| Net operating income to assets | -0.0020% | 5,710 |
| Return on assets (ROA) | 0.2355% | 5,115 |
| Pretax return on assets | 0.2387% | 5,210 |
| Return on Equity (ROE) | 1.9648% | 5,171 |
| Retained earnings to average equity (ytd only) | 1.9648% | 4,228 |
| Net charge-offs to loans | 1.2363% | 1,652 |
| Credit loss provision to net charge-offs | 97.2332% | 5,253 |
| Earnings coverage of net charge-offs (x) | 0.9710% | 5,090 |
| Efficiency ratio | 75.7964% | 3,547 |
| Assets per employee ($millions) | 3.5469% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 4,758 |
| Loan loss allowance to noncurrent loans | 747.4820% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.8010% | 5,507 |
| Noncurrent loans to loans | 0.1686% | 7,067 |
| Net loans and leases to total assets | 67.5213% | 4,064 |
| Net loans and leases to deposits | 77.9069% | 4,750 |
| Net loans and leases to core deposits | 125.0054% | 1,815 |
| Total domestic deposits to total assets | 86.6692% | 2,346 |
| Equity capital to assets | 12.4899% | 1,965 |
| Core capital (leverage) ratio | 12.6729% | 1,511 |
| Tier 1 risk-based capital ratio | 16.9100% | 2,305 |
| Total risk-based capital ratio | 18.0916% | 2,274 |
| Memoranda: | ||
| Average total assets | $121,744,250 | 4,550 |
| Average earning assets | $113,336,000 | 4,502 |
| Average equity | $14,589,750 | 4,170 |
| Average total loans | $81,853,000 | 4,489 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8561% | 2,773 |
| Cost of funding earning assets | 2.6250% | 1,219 |
| Net interest margin | 3.2312% | 5,804 |
| Noninterest income to average assets | -0.0409% | 8,002 |
| Noninterest expense to average assets | 2.3680% | 6,564 |
| Loan and lease loss provision to assets | 0.5961% | 2,657 |
| Net operating income to assets | 0.0071% | 5,819 |
| Return on assets (ROA) | 0.3603% | 4,761 |
| Pretax return on assets | 0.3947% | 4,950 |
| Return on Equity (ROE) | 3.0487% | 4,884 |
| Retained earnings to average equity (ytd only) | 3.0487% | 3,622 |
| Net charge-offs to loans | 1.8812% | 1,003 |
| Credit loss provision to net charge-offs | 47.3958% | 5,799 |
| Earnings coverage of net charge-offs (x) | 0.4792% | 5,227 |
| Efficiency ratio | 79.7133% | 3,095 |
| Assets per employee ($millions) | 3.5227% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8115% | 7,112 |
| Loan loss allowance to noncurrent loans | 713.0435% | 480 |
| Noncurrent assets plus other real estate owned to assets | 1.2557% | 4,426 |
| Noncurrent loans to loans | 0.1138% | 7,236 |
| Net loans and leases to total assets | 66.9447% | 4,368 |
| Net loans and leases to deposits | 77.1580% | 5,005 |
| Net loans and leases to core deposits | 127.5245% | 1,738 |
| Total domestic deposits to total assets | 86.7632% | 2,372 |
| Equity capital to assets | 12.0654% | 2,164 |
| Core capital (leverage) ratio | 12.2628% | 1,713 |
| Tier 1 risk-based capital ratio | 17.6222% | 2,108 |
| Total risk-based capital ratio | 18.3994% | 2,195 |
| Memoranda: | ||
| Average total assets | $122,128,000 | 4,579 |
| Average earning assets | $113,829,330 | 4,521 |
| Average equity | $14,432,330 | 4,211 |
| Average total loans | $81,649,000 | 4,535 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7656% | 3,454 |
| Cost of funding earning assets | 2.6597% | 1,377 |
| Net interest margin | 3.1059% | 6,180 |
| Noninterest income to average assets | 0.3860% | 5,328 |
| Noninterest expense to average assets | 2.4232% | 6,121 |
| Loan and lease loss provision to assets | 0.9083% | 1,443 |
| Net operating income to assets | -0.0419% | 6,321 |
| Return on assets (ROA) | 0.5547% | 4,385 |
| Pretax return on assets | 0.7299% | 4,323 |
| Return on Equity (ROE) | 4.7424% | 4,582 |
| Retained earnings to average equity (ytd only) | 4.7424% | 3,270 |
| Net charge-offs to loans | 1.9694% | 731 |
| Credit loss provision to net charge-offs | 69.3069% | 4,368 |
| Earnings coverage of net charge-offs (x) | 0.6510% | 4,476 |
| Efficiency ratio | 73.9604% | 3,833 |
| Assets per employee ($millions) | 3.5810% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 5,119 |
| Loan loss allowance to noncurrent loans | 205.7143% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 1.1351% | 4,405 |
| Noncurrent loans to loans | 0.5592% | 6,017 |
| Net loans and leases to total assets | 66.0633% | 4,570 |
| Net loans and leases to deposits | 75.6627% | 5,264 |
| Net loans and leases to core deposits | 124.3184% | 2,059 |
| Total domestic deposits to total assets | 87.3128% | 2,061 |
| Equity capital to assets | 12.0030% | 2,260 |
| Core capital (leverage) ratio | 12.1721% | 1,829 |
| Tier 1 risk-based capital ratio | 17.0677% | 2,316 |
| Total risk-based capital ratio | 18.1452% | 2,304 |
| Memoranda: | ||
| Average total assets | $123,306,000 | 4,566 |
| Average earning assets | $114,750,500 | 4,511 |
| Average equity | $14,423,000 | 4,242 |
| Average total loans | $82,055,000 | 4,559 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5231% | 2,847 |
| Cost of funding earning assets | 3.1073% | 1,485 |
| Net interest margin | 3.4158% | 5,594 |
| Noninterest income to average assets | 0.4597% | 4,971 |
| Noninterest expense to average assets | 2.3553% | 6,552 |
| Loan and lease loss provision to assets | 0.4047% | 3,259 |
| Net operating income to assets | 0.7091% | 3,853 |
| Return on assets (ROA) | 0.8733% | 2,972 |
| Pretax return on assets | 1.1509% | 2,832 |
| Return on Equity (ROE) | 7.6195% | 3,231 |
| Retained earnings to average equity (ytd only) | 4.0887% | 2,586 |
| Net charge-offs to loans | 0.1907% | 4,278 |
| Credit loss provision to net charge-offs | 328.9474% | 1,375 |
| Earnings coverage of net charge-offs (x) | 10.8882% | 2,449 |
| Efficiency ratio | 63.7459% | 5,619 |
| Assets per employee ($millions) | 3.6723% | 4,230 |
| Cash dividends to net income (ytd only)* | 46.3392% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 3,927 |
| Loan loss allowance to noncurrent loans | 493.0233% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.2339% | 6,633 |
| Noncurrent loans to loans | 0.2599% | 6,598 |
| Net loans and leases to total assets | 65.4178% | 4,967 |
| Net loans and leases to deposits | 74.2829% | 5,813 |
| Net loans and leases to core deposits | 120.8731% | 2,614 |
| Total domestic deposits to total assets | 88.0657% | 1,444 |
| Equity capital to assets | 11.3985% | 2,702 |
| Core capital (leverage) ratio | 11.9232% | 2,008 |
| Tier 1 risk-based capital ratio | 16.2057% | 2,583 |
| Total risk-based capital ratio | 17.3779% | 2,549 |
| Memoranda: | ||
| Average total assets | $123,552,000 | 4,431 |
| Average earning assets | $117,015,600 | 4,340 |
| Average equity | $14,161,000 | 4,306 |
| Average total loans | $79,702,800 | 4,526 |