Home > Farmers and Merchants Bank of St. Clair > Performance and Condition Ratios
Farmers and Merchants Bank of St. Clair, 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 | 4.8522% | 2,375 |
| Cost of funding earning assets | 1.5709% | 1,773 |
| Net interest margin | 3.2813% | 2,679 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.4612% | 2,412 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.8609% | 2,673 |
| Return on assets (ROA) | 0.8609% | 2,644 |
| Pretax return on assets | 1.0860% | 2,446 |
| Return on Equity (ROE) | 9.8300% | 2,550 |
| Retained earnings to average equity (ytd only) | 9.8272% | 1,061 |
| Net charge-offs to loans | 0.2165% | 502 |
| Credit loss provision to net charge-offs | 71.2185% | 2,077 |
| Earnings coverage of net charge-offs (x) | 8.5714% | 2,336 |
| Efficiency ratio | 67.0782% | 2,222 |
| Assets per employee ($millions) | 5.8789% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 2,532 |
| Loan loss allowance to noncurrent loans | 563.5762% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 2,620 |
| Noncurrent loans to loans | 0.2048% | 2,490 |
| Net loans and leases to total assets | 65.2300% | 2,339 |
| Net loans and leases to deposits | 73.9934% | 2,617 |
| Net loans and leases to core deposits | 80.2964% | 2,688 |
| Total domestic deposits to total assets | 88.1600% | 1,297 |
| Equity capital to assets | 9.5733% | 2,292 |
| Core capital (leverage) ratio | 11.0089% | 1,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1894% | 1,050 |
| Memoranda: | ||
| Average total assets | $337,766,600 | 2,239 |
| Average earning assets | $310,848,200 | 2,242 |
| Average equity | $29,591,200 | 2,280 |
| Average total loans | $219,873,400 | 2,163 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7148% | 2,440 |
| Cost of funding earning assets | 1.5024% | 1,598 |
| Net interest margin | 3.2124% | 2,889 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 2.5099% | 2,211 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.8108% | 2,992 |
| Return on assets (ROA) | 0.8108% | 2,983 |
| Pretax return on assets | 1.0200% | 2,799 |
| Return on Equity (ROE) | 9.4700% | 2,808 |
| Retained earnings to average equity (ytd only) | 9.4720% | 1,558 |
| Net charge-offs to loans | 0.1293% | 624 |
| Credit loss provision to net charge-offs | 77.4648% | 1,768 |
| Earnings coverage of net charge-offs (x) | 13.0376% | 2,048 |
| Efficiency ratio | 69.6436% | 1,829 |
| Assets per employee ($millions) | 6.0217% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 2,435 |
| Loan loss allowance to noncurrent loans | 26,420.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 3,847 |
| Noncurrent loans to loans | 0.0045% | 3,781 |
| Net loans and leases to total assets | 65.2700% | 2,313 |
| Net loans and leases to deposits | 72.4872% | 2,684 |
| Net loans and leases to core deposits | 80.2389% | 2,581 |
| Total domestic deposits to total assets | 90.0400% | 929 |
| Equity capital to assets | 8.4379% | 2,758 |
| Core capital (leverage) ratio | 10.6120% | 2,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1221% | 938 |
| Memoranda: | ||
| Average total assets | $338,433,500 | 2,238 |
| Average earning assets | $311,579,750 | 2,239 |
| Average equity | $28,969,000 | 2,298 |
| Average total loans | $219,557,000 | 2,159 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5731% | 2,475 |
| Cost of funding earning assets | 1.4039% | 1,439 |
| Net interest margin | 3.1691% | 3,063 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.4625% | 2,315 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8169% | 3,033 |
| Return on assets (ROA) | 0.8169% | 3,042 |
| Pretax return on assets | 1.0282% | 2,834 |
| Return on Equity (ROE) | 9.5000% | 2,834 |
| Retained earnings to average equity (ytd only) | 9.4988% | 1,543 |
| Net charge-offs to loans | 0.1373% | 550 |
| Credit loss provision to net charge-offs | 70.0000% | 1,593 |
| Earnings coverage of net charge-offs (x) | 12.3133% | 1,943 |
| Efficiency ratio | 69.3138% | 1,833 |
| Assets per employee ($millions) | 6.0887% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 2,499 |
| Loan loss allowance to noncurrent loans | 20,330.7692% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 3,847 |
| Noncurrent loans to loans | 0.0058% | 3,762 |
| Net loans and leases to total assets | 63.3600% | 2,447 |
| Net loans and leases to deposits | 70.2046% | 2,769 |
| Net loans and leases to core deposits | 77.7120% | 2,637 |
| Total domestic deposits to total assets | 90.2500% | 857 |
| Equity capital to assets | 8.5476% | 2,825 |
| Core capital (leverage) ratio | 10.4057% | 2,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5246% | 1,031 |
| Memoranda: | ||
| Average total assets | $338,839,000 | 2,244 |
| Average earning assets | $312,263,000 | 2,245 |
| Average equity | $29,140,667 | 2,297 |
| Average total loans | $218,497,667 | 2,163 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4714% | 2,386 |
| Cost of funding earning assets | 1.3291% | 1,171 |
| Net interest margin | 3.1423% | 3,255 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.4191% | 2,472 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.8474% | 3,030 |
| Return on assets (ROA) | 0.8474% | 2,985 |
| Pretax return on assets | 1.0637% | 2,819 |
| Return on Equity (ROE) | 9.8400% | 2,834 |
| Retained earnings to average equity (ytd only) | 9.8414% | 1,734 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.8904% | 1,871 |
| Assets per employee ($millions) | 6.0315% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 2,366 |
| Loan loss allowance to noncurrent loans | 3,768.0556% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 3,593 |
| Noncurrent loans to loans | 0.0328% | 3,519 |
| Net loans and leases to total assets | 64.2500% | 2,223 |
| Net loans and leases to deposits | 71.2498% | 2,524 |
| Net loans and leases to core deposits | 78.3835% | 2,362 |
| Total domestic deposits to total assets | 90.1800% | 1,092 |
| Equity capital to assets | 8.6952% | 2,741 |
| Core capital (leverage) ratio | 10.2214% | 2,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3174% | 1,308 |
| Memoranda: | ||
| Average total assets | $334,669,500 | 2,288 |
| Average earning assets | $308,178,000 | 2,297 |
| Average equity | $28,817,000 | 2,341 |
| Average total loans | $216,480,000 | 2,194 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 1,826 |
| Cost of funding earning assets | 0.4899% | 1,468 |
| Net interest margin | 3.4694% | 2,040 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 2.4983% | 2,117 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.0215% | 2,491 |
| Return on assets (ROA) | 1.0215% | 2,435 |
| Pretax return on assets | 1.2917% | 2,117 |
| Return on Equity (ROE) | 10.9500% | 2,491 |
| Retained earnings to average equity (ytd only) | 10.9549% | 898 |
| Net charge-offs to loans | 0.1571% | 525 |
| Credit loss provision to net charge-offs | 160.7029% | 1,258 |
| Earnings coverage of net charge-offs (x) | 14.4217% | 2,031 |
| Efficiency ratio | 63.2171% | 2,600 |
| Assets per employee ($millions) | 5.8171% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0219% | 3,249 |
| Loan loss allowance to noncurrent loans | 1,567.6259% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 3,155 |
| Noncurrent loans to loans | 0.0652% | 3,274 |
| Net loans and leases to total assets | 63.6500% | 2,275 |
| Net loans and leases to deposits | 69.7651% | 2,600 |
| Net loans and leases to core deposits | 78.4582% | 2,242 |
| Total domestic deposits to total assets | 91.2400% | 862 |
| Equity capital to assets | 8.5244% | 2,690 |
| Core capital (leverage) ratio | 10.5333% | 2,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2225% | 1,308 |
| Memoranda: | ||
| Average total assets | $310,529,800 | 2,406 |
| Average earning assets | $285,379,200 | 2,415 |
| Average equity | $28,955,200 | 2,381 |
| Average total loans | $199,197,800 | 2,235 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8545% | 1,601 |
| Cost of funding earning assets | 0.3566% | 1,649 |
| Net interest margin | 3.4980% | 1,667 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 2.6066% | 1,698 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.0404% | 2,319 |
| Return on assets (ROA) | 1.0404% | 2,284 |
| Pretax return on assets | 1.3129% | 2,002 |
| Return on Equity (ROE) | 10.9000% | 2,420 |
| Retained earnings to average equity (ytd only) | 10.9034% | 1,079 |
| Net charge-offs to loans | 0.1540% | 423 |
| Credit loss provision to net charge-offs | 78.3186% | 1,425 |
| Earnings coverage of net charge-offs (x) | 14.0841% | 1,867 |
| Efficiency ratio | 65.2169% | 2,385 |
| Assets per employee ($millions) | 5.9521% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 3,821 |
| Loan loss allowance to noncurrent loans | 1,469.6970% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 3,495 |
| Noncurrent loans to loans | 0.0620% | 3,434 |
| Net loans and leases to total assets | 65.6600% | 1,922 |
| Net loans and leases to deposits | 71.8180% | 2,223 |
| Net loans and leases to core deposits | 75.4920% | 2,238 |
| Total domestic deposits to total assets | 91.4200% | 1,074 |
| Equity capital to assets | 8.2187% | 2,739 |
| Core capital (leverage) ratio | 10.8432% | 1,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5398% | 1,556 |
| Memoranda: | ||
| Average total assets | $305,268,000 | 2,440 |
| Average earning assets | $280,458,250 | 2,457 |
| Average equity | $29,127,750 | 2,401 |
| Average total loans | $195,689,000 | 2,260 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7324% | 1,463 |
| Cost of funding earning assets | 0.3006% | 1,710 |
| Net interest margin | 3.4318% | 1,510 |
| Noninterest income to average assets | 0.7676% | 1,131 |
| Noninterest expense to average assets | 2.5977% | 1,645 |
| Loan and lease loss provision to assets | 0.0694% | 1,374 |
| Net operating income to assets | 1.0044% | 2,138 |
| Return on assets (ROA) | 1.0044% | 2,110 |
| Pretax return on assets | 1.2531% | 1,890 |
| Return on Equity (ROE) | 10.0294% | 2,325 |
| Retained earnings to average equity (ytd only) | 10.0294% | 1,009 |
| Net charge-offs to loans | 0.1474% | 436 |
| Credit loss provision to net charge-offs | 74.2857% | 1,414 |
| Earnings coverage of net charge-offs (x) | 14.1643% | 1,665 |
| Efficiency ratio | 66.2640% | 2,476 |
| Assets per employee ($millions) | 5.4453% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 3,803 |
| Loan loss allowance to noncurrent loans | 8,877.2727% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 3,974 |
| Noncurrent loans to loans | 0.0107% | 3,905 |
| Net loans and leases to total assets | 65.7401% | 1,728 |
| Net loans and leases to deposits | 75.0989% | 1,754 |
| Net loans and leases to core deposits | 76.8350% | 1,938 |
| Total domestic deposits to total assets | 87.5380% | 2,754 |
| Equity capital to assets | 8.8739% | 2,473 |
| Core capital (leverage) ratio | 10.9554% | 1,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8346% | 1,473 |
| Memoranda: | ||
| Average total assets | $299,885,667 | 2,484 |
| Average earning assets | $275,482,667 | 2,506 |
| Average equity | $30,031,667 | 2,418 |
| Average total loans | $189,929,333 | 2,301 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5326% | 1,694 |
| Cost of funding earning assets | 0.2938% | 1,713 |
| Net interest margin | 3.2388% | 1,756 |
| Noninterest income to average assets | 0.8716% | 882 |
| Noninterest expense to average assets | 2.5754% | 1,672 |
| Loan and lease loss provision to assets | 0.0760% | 1,082 |
| Net operating income to assets | 0.9761% | 1,980 |
| Return on assets (ROA) | 0.9761% | 1,975 |
| Pretax return on assets | 1.1988% | 1,821 |
| Return on Equity (ROE) | 9.1955% | 2,248 |
| Retained earnings to average equity (ytd only) | 9.1955% | 1,216 |
| Net charge-offs to loans | 0.3101% | 208 |
| Credit loss provision to net charge-offs | 39.7163% | 1,231 |
| Earnings coverage of net charge-offs (x) | 6.6596% | 1,565 |
| Efficiency ratio | 66.8900% | 2,651 |
| Assets per employee ($millions) | 5.0440% | 3,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 3,548 |
| Loan loss allowance to noncurrent loans | 2,929.2308% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 3,826 |
| Noncurrent loans to loans | 0.0357% | 3,729 |
| Net loans and leases to total assets | 60.5661% | 2,003 |
| Net loans and leases to deposits | 67.5715% | 2,194 |
| Net loans and leases to core deposits | 69.2294% | 2,355 |
| Total domestic deposits to total assets | 89.6326% | 1,751 |
| Equity capital to assets | 10.1133% | 1,818 |
| Core capital (leverage) ratio | 11.0801% | 1,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1176% | 1,228 |
| Memoranda: | ||
| Average total assets | $294,637,000 | 2,520 |
| Average earning assets | $270,963,500 | 2,551 |
| Average equity | $31,276,000 | 2,419 |
| Average total loans | $181,894,500 | 2,363 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8191% | 1,821 |
| Cost of funding earning assets | 0.3439% | 1,998 |
| Net interest margin | 3.4752% | 1,808 |
| Noninterest income to average assets | 0.9613% | 1,072 |
| Noninterest expense to average assets | 2.8198% | 1,312 |
| Loan and lease loss provision to assets | 0.1312% | 934 |
| Net operating income to assets | 1.0387% | 2,523 |
| Return on assets (ROA) | 1.0387% | 2,594 |
| Pretax return on assets | 1.2050% | 2,648 |
| Return on Equity (ROE) | 9.2657% | 2,797 |
| Retained earnings to average equity (ytd only) | 9.2657% | 1,113 |
| Net charge-offs to loans | 0.0072% | 2,307 |
| Credit loss provision to net charge-offs | 2,815.3846% | 241 |
| Earnings coverage of net charge-offs (x) | 286.7692% | 426 |
| Efficiency ratio | 67.8482% | 2,004 |
| Assets per employee ($millions) | 4.9437% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 3,378 |
| Loan loss allowance to noncurrent loans | 2,286.2069% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 3,825 |
| Noncurrent loans to loans | 0.0479% | 3,740 |
| Net loans and leases to total assets | 61.5931% | 1,985 |
| Net loans and leases to deposits | 69.5042% | 2,178 |
| Net loans and leases to core deposits | 71.1782% | 2,336 |
| Total domestic deposits to total assets | 88.6179% | 1,728 |
| Equity capital to assets | 11.1270% | 1,711 |
| Core capital (leverage) ratio | 11.1198% | 1,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9212% | 1,283 |
| Memoranda: | ||
| Average total assets | $278,993,200 | 2,547 |
| Average earning assets | $256,475,200 | 2,578 |
| Average equity | $31,276,800 | 2,452 |
| Average total loans | $179,314,400 | 2,390 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8630% | 1,885 |
| Cost of funding earning assets | 0.3445% | 2,171 |
| Net interest margin | 3.5185% | 1,818 |
| Noninterest income to average assets | 0.9460% | 1,157 |
| Noninterest expense to average assets | 2.8486% | 1,219 |
| Loan and lease loss provision to assets | 0.1483% | 765 |
| Net operating income to assets | 1.0354% | 2,786 |
| Return on assets (ROA) | 1.0354% | 2,847 |
| Pretax return on assets | 1.1824% | 2,984 |
| Return on Equity (ROE) | 9.2180% | 3,035 |
| Retained earnings to average equity (ytd only) | 9.2180% | 1,610 |
| Net charge-offs to loans | -0.0127% | 3,775 |
| Credit loss provision to net charge-offs | -1,805.8824% | 3,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1587% | 1,801 |
| Assets per employee ($millions) | 4.6294% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 3,564 |
| Loan loss allowance to noncurrent loans | 715.6934% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 3,465 |
| Noncurrent loans to loans | 0.1500% | 3,369 |
| Net loans and leases to total assets | 62.9418% | 1,896 |
| Net loans and leases to deposits | 71.1762% | 2,129 |
| Net loans and leases to core deposits | 72.9233% | 2,327 |
| Total domestic deposits to total assets | 88.4309% | 1,610 |
| Equity capital to assets | 11.1308% | 1,926 |
| Core capital (leverage) ratio | 11.2367% | 1,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6050% | 1,451 |
| Memoranda: | ||
| Average total assets | $275,822,250 | 2,585 |
| Average earning assets | $253,474,500 | 2,621 |
| Average equity | $30,982,250 | 2,500 |
| Average total loans | $178,732,500 | 2,431 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9462% | 1,692 |
| Cost of funding earning assets | 0.3449% | 2,364 |
| Net interest margin | 3.6013% | 1,594 |
| Noninterest income to average assets | 0.9615% | 1,133 |
| Noninterest expense to average assets | 2.8667% | 1,220 |
| Loan and lease loss provision to assets | 0.1867% | 607 |
| Net operating income to assets | 1.1305% | 2,433 |
| Return on assets (ROA) | 1.1305% | 2,499 |
| Pretax return on assets | 1.2158% | 2,867 |
| Return on Equity (ROE) | 10.0325% | 2,727 |
| Retained earnings to average equity (ytd only) | 10.0325% | 1,382 |
| Net charge-offs to loans | -0.0282% | 4,135 |
| Credit loss provision to net charge-offs | -1,016.0000% | 3,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1488% | 1,992 |
| Assets per employee ($millions) | 4.4078% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 3,597 |
| Loan loss allowance to noncurrent loans | 474.0099% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 3,294 |
| Noncurrent loans to loans | 0.2228% | 3,163 |
| Net loans and leases to total assets | 63.5993% | 1,990 |
| Net loans and leases to deposits | 71.8597% | 2,219 |
| Net loans and leases to core deposits | 73.7187% | 2,437 |
| Total domestic deposits to total assets | 88.5049% | 1,560 |
| Equity capital to assets | 11.1421% | 1,883 |
| Core capital (leverage) ratio | 11.0979% | 1,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9690% | 1,342 |
| Memoranda: | ||
| Average total assets | $272,088,333 | 2,595 |
| Average earning assets | $249,911,000 | 2,632 |
| Average equity | $30,660,333 | 2,502 |
| Average total loans | $177,437,000 | 2,453 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9948% | 1,623 |
| Cost of funding earning assets | 0.3489% | 2,525 |
| Net interest margin | 3.6458% | 1,460 |
| Noninterest income to average assets | 1.0049% | 1,122 |
| Noninterest expense to average assets | 2.9055% | 1,144 |
| Loan and lease loss provision to assets | 0.2306% | 488 |
| Net operating income to assets | 0.9660% | 2,914 |
| Return on assets (ROA) | 0.9660% | 3,010 |
| Pretax return on assets | 1.2176% | 2,799 |
| Return on Equity (ROE) | 8.5220% | 3,179 |
| Retained earnings to average equity (ytd only) | 8.5220% | 2,089 |
| Net charge-offs to loans | 0.0091% | 1,585 |
| Credit loss provision to net charge-offs | 3,850.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 241.7500% | 351 |
| Efficiency ratio | 66.7355% | 2,116 |
| Assets per employee ($millions) | 4.5965% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 3,857 |
| Loan loss allowance to noncurrent loans | 415.3488% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 3,398 |
| Noncurrent loans to loans | 0.2396% | 3,244 |
| Net loans and leases to total assets | 63.3695% | 2,117 |
| Net loans and leases to deposits | 71.3363% | 2,385 |
| Net loans and leases to core deposits | 73.1691% | 2,599 |
| Total domestic deposits to total assets | 88.8321% | 1,428 |
| Equity capital to assets | 10.8398% | 1,977 |
| Core capital (leverage) ratio | 11.2937% | 1,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1798% | 1,512 |
| Memoranda: | ||
| Average total assets | $267,081,500 | 2,617 |
| Average earning assets | $245,321,000 | 2,647 |
| Average equity | $30,274,500 | 2,524 |
| Average total loans | $175,490,500 | 2,470 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0682% | 2,519 |
| Cost of funding earning assets | 0.6090% | 2,246 |
| Net interest margin | 3.4591% | 2,604 |
| Noninterest income to average assets | 0.8589% | 1,379 |
| Noninterest expense to average assets | 2.8644% | 1,777 |
| Loan and lease loss provision to assets | 0.0652% | 3,561 |
| Net operating income to assets | 0.8581% | 2,872 |
| Return on assets (ROA) | 0.8581% | 3,008 |
| Pretax return on assets | 1.1182% | 2,624 |
| Return on Equity (ROE) | 6.9166% | 3,240 |
| Retained earnings to average equity (ytd only) | 6.6052% | 1,543 |
| Net charge-offs to loans | 0.0451% | 2,164 |
| Credit loss provision to net charge-offs | 211.1111% | 2,108 |
| Earnings coverage of net charge-offs (x) | 38.2917% | 1,420 |
| Efficiency ratio | 70.7635% | 1,840 |
| Assets per employee ($millions) | 3.8451% | 4,475 |
| Cash dividends to net income (ytd only)* | 4.5023% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 4,020 |
| Loan loss allowance to noncurrent loans | 385.8491% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 3,408 |
| Noncurrent loans to loans | 0.2472% | 3,310 |
| Net loans and leases to total assets | 66.9405% | 1,961 |
| Net loans and leases to deposits | 76.3071% | 2,251 |
| Net loans and leases to core deposits | 78.5820% | 2,499 |
| Total domestic deposits to total assets | 87.7251% | 1,600 |
| Equity capital to assets | 11.8828% | 1,631 |
| Core capital (leverage) ratio | 11.5258% | 1,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4194% | 1,165 |
| Memoranda: | ||
| Average total assets | $232,964,000 | 2,696 |
| Average earning assets | $214,765,000 | 2,714 |
| Average equity | $28,901,600 | 2,537 |
| Average total loans | $159,698,800 | 2,566 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0488% | 2,826 |
| Cost of funding earning assets | 0.6533% | 2,309 |
| Net interest margin | 3.3955% | 2,939 |
| Noninterest income to average assets | 1.0654% | 921 |
| Noninterest expense to average assets | 2.6922% | 2,286 |
| Loan and lease loss provision to assets | 0.3552% | 1,061 |
| Net operating income to assets | 0.8781% | 2,783 |
| Return on assets (ROA) | 0.8781% | 2,914 |
| Pretax return on assets | 1.1515% | 2,562 |
| Return on Equity (ROE) | 6.9958% | 3,203 |
| Retained earnings to average equity (ytd only) | 6.5760% | 1,855 |
| Net charge-offs to loans | 0.0595% | 1,755 |
| Credit loss provision to net charge-offs | 867.1429% | 925 |
| Earnings coverage of net charge-offs (x) | 36.7714% | 1,423 |
| Efficiency ratio | 64.1154% | 2,712 |
| Assets per employee ($millions) | 3.9067% | 4,401 |
| Cash dividends to net income (ytd only)* | 6.0000% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 2,554 |
| Loan loss allowance to noncurrent loans | 589.5775% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 3,684 |
| Noncurrent loans to loans | 0.2070% | 3,555 |
| Net loans and leases to total assets | 66.7209% | 2,422 |
| Net loans and leases to deposits | 75.8823% | 2,763 |
| Net loans and leases to core deposits | 78.5224% | 2,966 |
| Total domestic deposits to total assets | 87.9268% | 1,244 |
| Equity capital to assets | 11.6676% | 1,899 |
| Core capital (leverage) ratio | 11.9160% | 1,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5984% | 958 |
| Memoranda: | ||
| Average total assets | $227,760,250 | 2,717 |
| Average earning assets | $210,195,500 | 2,727 |
| Average equity | $28,588,000 | 2,553 |
| Average total loans | $156,744,250 | 2,602 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0789% | 3,104 |
| Cost of funding earning assets | 0.6871% | 2,465 |
| Net interest margin | 3.3918% | 3,128 |
| Noninterest income to average assets | 1.0775% | 861 |
| Noninterest expense to average assets | 2.5959% | 2,678 |
| Loan and lease loss provision to assets | 0.4620% | 825 |
| Net operating income to assets | 0.8757% | 2,790 |
| Return on assets (ROA) | 0.8757% | 2,903 |
| Pretax return on assets | 1.1523% | 2,540 |
| Return on Equity (ROE) | 6.7915% | 3,210 |
| Retained earnings to average equity (ytd only) | 6.1541% | 2,011 |
| Net charge-offs to loans | 0.0869% | 1,379 |
| Credit loss provision to net charge-offs | 766.6667% | 936 |
| Earnings coverage of net charge-offs (x) | 26.7879% | 1,505 |
| Efficiency ratio | 61.6569% | 3,176 |
| Assets per employee ($millions) | 3.6119% | 4,597 |
| Cash dividends to net income (ytd only)* | 9.3848% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 2,394 |
| Loan loss allowance to noncurrent loans | 1,146.5517% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 4,155 |
| Noncurrent loans to loans | 0.1067% | 4,029 |
| Net loans and leases to total assets | 68.6365% | 2,242 |
| Net loans and leases to deposits | 78.6912% | 2,579 |
| Net loans and leases to core deposits | 81.7032% | 2,797 |
| Total domestic deposits to total assets | 87.2226% | 1,536 |
| Equity capital to assets | 12.3830% | 1,435 |
| Core capital (leverage) ratio | 12.1650% | 1,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2687% | 872 |
| Memoranda: | ||
| Average total assets | $219,035,667 | 2,761 |
| Average earning assets | $202,309,667 | 2,762 |
| Average equity | $28,241,333 | 2,573 |
| Average total loans | $151,819,000 | 2,642 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0512% | 4,933 |
| Cost of funding earning assets | 0.7259% | 2,801 |
| Net interest margin | 2.3253% | 4,911 |
| Noninterest income to average assets | 1.2028% | 608 |
| Noninterest expense to average assets | 2.0420% | 4,323 |
| Loan and lease loss provision to assets | 0.0833% | 2,651 |
| Net operating income to assets | 0.9301% | 2,417 |
| Return on assets (ROA) | 0.9301% | 2,527 |
| Pretax return on assets | 1.2256% | 2,111 |
| Return on Equity (ROE) | 7.0581% | 2,920 |
| Retained earnings to average equity (ytd only) | 5.7644% | 1,971 |
| Net charge-offs to loans | 0.1697% | 782 |
| Credit loss provision to net charge-offs | 70.9677% | 1,975 |
| Earnings coverage of net charge-offs (x) | 11.1452% | 1,738 |
| Efficiency ratio | 60.9384% | 3,625 |
| Assets per employee ($millions) | 3.3265% | 4,622 |
| Cash dividends to net income (ytd only)* | 18.3299% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 3,457 |
| Loan loss allowance to noncurrent loans | 632.0988% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 4,059 |
| Noncurrent loans to loans | 0.1657% | 3,869 |
| Net loans and leases to total assets | 67.1160% | 2,690 |
| Net loans and leases to deposits | 77.7303% | 2,914 |
| Net loans and leases to core deposits | 80.9917% | 3,112 |
| Total domestic deposits to total assets | 86.3447% | 1,855 |
| Equity capital to assets | 13.0448% | 1,411 |
| Core capital (leverage) ratio | 13.0274% | 1,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3832% | 819 |
| Memoranda: | ||
| Average total assets | $211,167,000 | 2,779 |
| Average earning assets | $195,070,000 | 2,783 |
| Average equity | $27,826,000 | 2,592 |
| Average total loans | $146,161,000 | 2,667 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9168% | 1,706 |
| Cost of funding earning assets | 0.6374% | 3,471 |
| Net interest margin | 4.2795% | 1,137 |
| Noninterest income to average assets | 1.0158% | 942 |
| Noninterest expense to average assets | 3.5647% | 885 |
| Loan and lease loss provision to assets | 0.1159% | 1,821 |
| Net operating income to assets | 0.9987% | 2,853 |
| Return on assets (ROA) | 1.0114% | 2,898 |
| Pretax return on assets | 1.3301% | 2,396 |
| Return on Equity (ROE) | 7.7159% | 3,285 |
| Retained earnings to average equity (ytd only) | 7.4719% | 1,182 |
| Net charge-offs to loans | 0.0874% | 1,874 |
| Credit loss provision to net charge-offs | 185.6000% | 1,424 |
| Earnings coverage of net charge-offs (x) | 22.8960% | 1,833 |
| Efficiency ratio | 71.3685% | 1,964 |
| Assets per employee ($millions) | 3.1709% | 4,724 |
| Cash dividends to net income (ytd only)* | 3.1621% | 3,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 3,120 |
| Loan loss allowance to noncurrent loans | 339.5197% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 3,365 |
| Noncurrent loans to loans | 0.3144% | 3,314 |
| Net loans and leases to total assets | 69.9190% | 2,406 |
| Net loans and leases to deposits | 81.7344% | 2,587 |
| Net loans and leases to core deposits | 84.7621% | 2,894 |
| Total domestic deposits to total assets | 85.5441% | 2,267 |
| Equity capital to assets | 13.3162% | 1,360 |
| Core capital (leverage) ratio | 13.2389% | 1,139 |
| Tier 1 risk-based capital ratio | 19.5385% | 1,403 |
| Total risk-based capital ratio | 20.6549% | 1,399 |
| Memoranda: | ||
| Average total assets | $200,128,200 | 2,840 |
| Average earning assets | $186,074,800 | 2,831 |
| Average equity | $26,231,600 | 2,614 |
| Average total loans | $143,010,400 | 2,690 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9422% | 1,700 |
| Cost of funding earning assets | 0.6070% | 3,659 |
| Net interest margin | 4.3351% | 1,087 |
| Noninterest income to average assets | 1.0089% | 922 |
| Noninterest expense to average assets | 3.6395% | 807 |
| Loan and lease loss provision to assets | 0.1134% | 1,715 |
| Net operating income to assets | 0.9914% | 3,014 |
| Return on assets (ROA) | 0.9914% | 3,084 |
| Pretax return on assets | 1.2921% | 2,694 |
| Return on Equity (ROE) | 7.5952% | 3,473 |
| Retained earnings to average equity (ytd only) | 7.2661% | 1,729 |
| Net charge-offs to loans | 0.0581% | 1,993 |
| Credit loss provision to net charge-offs | 272.5806% | 1,023 |
| Earnings coverage of net charge-offs (x) | 33.7761% | 1,515 |
| Efficiency ratio | 72.1394% | 1,819 |
| Assets per employee ($millions) | 3.1835% | 4,770 |
| Cash dividends to net income (ytd only)* | 4.3331% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,058 |
| Loan loss allowance to noncurrent loans | 925.5952% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 4,308 |
| Noncurrent loans to loans | 0.1183% | 4,123 |
| Net loans and leases to total assets | 68.9607% | 2,630 |
| Net loans and leases to deposits | 80.0860% | 2,888 |
| Net loans and leases to core deposits | 82.7987% | 3,191 |
| Total domestic deposits to total assets | 86.1084% | 1,943 |
| Equity capital to assets | 13.2496% | 1,486 |
| Core capital (leverage) ratio | 13.2272% | 1,246 |
| Tier 1 risk-based capital ratio | 19.4408% | 1,473 |
| Total risk-based capital ratio | 20.5745% | 1,470 |
| Memoranda: | ||
| Average total assets | $198,632,750 | 2,876 |
| Average earning assets | $184,934,750 | 2,865 |
| Average equity | $25,928,000 | 2,648 |
| Average total loans | $142,346,750 | 2,721 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9570% | 1,596 |
| Cost of funding earning assets | 0.5807% | 3,752 |
| Net interest margin | 4.3763% | 983 |
| Noninterest income to average assets | 0.9242% | 1,025 |
| Noninterest expense to average assets | 3.6246% | 831 |
| Loan and lease loss provision to assets | 0.1097% | 1,704 |
| Net operating income to assets | 0.9607% | 3,056 |
| Return on assets (ROA) | 0.9607% | 3,131 |
| Pretax return on assets | 1.2695% | 2,675 |
| Return on Equity (ROE) | 7.3986% | 3,532 |
| Retained earnings to average equity (ytd only) | 6.8981% | 1,856 |
| Net charge-offs to loans | 0.0548% | 1,861 |
| Credit loss provision to net charge-offs | 276.9231% | 943 |
| Earnings coverage of net charge-offs (x) | 34.8205% | 1,345 |
| Efficiency ratio | 72.4376% | 1,855 |
| Assets per employee ($millions) | 2.9994% | 4,909 |
| Cash dividends to net income (ytd only)* | 6.7653% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 3,187 |
| Loan loss allowance to noncurrent loans | 527.4306% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 4,050 |
| Noncurrent loans to loans | 0.2045% | 3,817 |
| Net loans and leases to total assets | 69.3116% | 2,627 |
| Net loans and leases to deposits | 80.3204% | 2,917 |
| Net loans and leases to core deposits | 82.9398% | 3,198 |
| Total domestic deposits to total assets | 86.2939% | 1,895 |
| Equity capital to assets | 13.1040% | 1,540 |
| Core capital (leverage) ratio | 13.1800% | 1,222 |
| Tier 1 risk-based capital ratio | 19.2861% | 1,487 |
| Total risk-based capital ratio | 20.4070% | 1,481 |
| Memoranda: | ||
| Average total assets | $196,929,670 | 2,900 |
| Average earning assets | $183,580,000 | 2,886 |
| Average equity | $25,572,330 | 2,670 |
| Average total loans | $142,443,330 | 2,740 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9597% | 1,443 |
| Cost of funding earning assets | 0.5618% | 3,775 |
| Net interest margin | 4.3978% | 912 |
| Noninterest income to average assets | 0.8742% | 1,101 |
| Noninterest expense to average assets | 3.6857% | 764 |
| Loan and lease loss provision to assets | 0.0821% | 2,056 |
| Net operating income to assets | 0.9091% | 3,201 |
| Return on assets (ROA) | 0.9091% | 3,246 |
| Pretax return on assets | 1.2026% | 2,790 |
| Return on Equity (ROE) | 7.0341% | 3,670 |
| Retained earnings to average equity (ytd only) | 7.0341% | 2,025 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1536% | 1,741 |
| Assets per employee ($millions) | 3.0478% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 3,475 |
| Loan loss allowance to noncurrent loans | 469.7161% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 4,009 |
| Noncurrent loans to loans | 0.2212% | 3,795 |
| Net loans and leases to total assets | 71.5846% | 2,234 |
| Net loans and leases to deposits | 82.9315% | 2,510 |
| Net loans and leases to core deposits | 85.6735% | 2,894 |
| Total domestic deposits to total assets | 86.3178% | 2,136 |
| Equity capital to assets | 12.9114% | 1,507 |
| Core capital (leverage) ratio | 13.1628% | 1,198 |
| Tier 1 risk-based capital ratio | 18.8114% | 1,583 |
| Total risk-based capital ratio | 19.9015% | 1,582 |
| Memoranda: | ||
| Average total assets | $194,913,500 | 2,950 |
| Average earning assets | $181,544,000 | 2,936 |
| Average equity | $25,191,500 | 2,697 |
| Average total loans | $143,260,500 | 2,761 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9354% | 1,191 |
| Cost of funding earning assets | 0.5080% | 3,301 |
| Net interest margin | 4.4274% | 882 |
| Noninterest income to average assets | 0.9833% | 976 |
| Noninterest expense to average assets | 3.5962% | 877 |
| Loan and lease loss provision to assets | 0.0476% | 3,231 |
| Net operating income to assets | 1.1033% | 2,584 |
| Return on assets (ROA) | 1.1033% | 2,580 |
| Pretax return on assets | 1.4615% | 1,908 |
| Return on Equity (ROE) | 9.0281% | 2,980 |
| Retained earnings to average equity (ytd only) | 9.0281% | 853 |
| Net charge-offs to loans | 0.2471% | 781 |
| Credit loss provision to net charge-offs | 26.0623% | 3,373 |
| Earnings coverage of net charge-offs (x) | 8.2606% | 2,911 |
| Efficiency ratio | 70.4410% | 2,118 |
| Assets per employee ($millions) | 2.8195% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 3,604 |
| Loan loss allowance to noncurrent loans | 655.6561% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.1153% | 4,253 |
| Noncurrent loans to loans | 0.1543% | 4,050 |
| Net loans and leases to total assets | 73.9457% | 1,944 |
| Net loans and leases to deposits | 86.8721% | 2,173 |
| Net loans and leases to core deposits | 89.7461% | 2,593 |
| Total domestic deposits to total assets | 85.1202% | 2,599 |
| Equity capital to assets | 12.9379% | 1,379 |
| Core capital (leverage) ratio | 13.2480% | 1,161 |
| Tier 1 risk-based capital ratio | 18.5445% | 1,608 |
| Total risk-based capital ratio | 19.6085% | 1,606 |
| Memoranda: | ||
| Average total assets | $193,230,400 | 2,931 |
| Average earning assets | $179,904,000 | 2,920 |
| Average equity | $23,615,200 | 2,766 |
| Average total loans | $142,857,200 | 2,732 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8333% | 1,335 |
| Cost of funding earning assets | 0.4948% | 3,232 |
| Net interest margin | 4.3385% | 1,039 |
| Noninterest income to average assets | 1.0240% | 914 |
| Noninterest expense to average assets | 3.6010% | 855 |
| Loan and lease loss provision to assets | 0.0413% | 3,168 |
| Net operating income to assets | 1.0385% | 2,930 |
| Return on assets (ROA) | 1.0385% | 2,936 |
| Pretax return on assets | 1.4214% | 2,148 |
| Return on Equity (ROE) | 8.6227% | 3,279 |
| Retained earnings to average equity (ytd only) | 8.6227% | 1,368 |
| Net charge-offs to loans | 0.0121% | 2,982 |
| Credit loss provision to net charge-offs | 461.5385% | 745 |
| Earnings coverage of net charge-offs (x) | 163.4120% | 506 |
| Efficiency ratio | 71.1138% | 2,021 |
| Assets per employee ($millions) | 2.9458% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 2,424 |
| Loan loss allowance to noncurrent loans | 336.3985% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3354% | 3,333 |
| Noncurrent loans to loans | 0.3674% | 3,328 |
| Net loans and leases to total assets | 72.1841% | 2,301 |
| Net loans and leases to deposits | 83.3285% | 2,676 |
| Net loans and leases to core deposits | 86.1342% | 2,980 |
| Total domestic deposits to total assets | 86.6259% | 1,907 |
| Equity capital to assets | 12.2806% | 1,716 |
| Core capital (leverage) ratio | 12.7991% | 1,369 |
| Tier 1 risk-based capital ratio | 17.9298% | 1,811 |
| Total risk-based capital ratio | 19.1796% | 1,774 |
| Memoranda: | ||
| Average total assets | $193,607,250 | 2,950 |
| Average earning assets | $180,272,750 | 2,943 |
| Average equity | $23,317,750 | 2,798 |
| Average total loans | $142,766,500 | 2,750 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7834% | 1,296 |
| Cost of funding earning assets | 0.4796% | 3,161 |
| Net interest margin | 4.3038% | 1,025 |
| Noninterest income to average assets | 1.0034% | 954 |
| Noninterest expense to average assets | 3.5813% | 884 |
| Loan and lease loss provision to assets | 0.0414% | 3,076 |
| Net operating income to assets | 1.0024% | 3,003 |
| Return on assets (ROA) | 1.0024% | 3,003 |
| Pretax return on assets | 1.3914% | 2,179 |
| Return on Equity (ROE) | 8.3781% | 3,327 |
| Retained earnings to average equity (ytd only) | 8.3781% | 1,460 |
| Net charge-offs to loans | 0.0140% | 2,669 |
| Credit loss provision to net charge-offs | 400.0000% | 813 |
| Earnings coverage of net charge-offs (x) | 138.5000% | 552 |
| Efficiency ratio | 71.4256% | 2,097 |
| Assets per employee ($millions) | 3.0395% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 2,750 |
| Loan loss allowance to noncurrent loans | 252.5399% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 3,333 |
| Noncurrent loans to loans | 0.4733% | 3,015 |
| Net loans and leases to total assets | 73.9398% | 1,953 |
| Net loans and leases to deposits | 86.3262% | 2,279 |
| Net loans and leases to core deposits | 89.2692% | 2,625 |
| Total domestic deposits to total assets | 85.6516% | 2,431 |
| Equity capital to assets | 12.0609% | 1,815 |
| Core capital (leverage) ratio | 12.3723% | 1,508 |
| Tier 1 risk-based capital ratio | 17.4421% | 1,956 |
| Total risk-based capital ratio | 18.6916% | 1,911 |
| Memoranda: | ||
| Average total assets | $193,336,000 | 2,968 |
| Average earning assets | $180,164,330 | 2,964 |
| Average equity | $23,131,670 | 2,832 |
| Average total loans | $142,989,670 | 2,763 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7471% | 1,196 |
| Cost of funding earning assets | 0.4658% | 3,079 |
| Net interest margin | 4.2813% | 978 |
| Noninterest income to average assets | 0.9982% | 912 |
| Noninterest expense to average assets | 3.5571% | 918 |
| Loan and lease loss provision to assets | 0.0353% | 3,034 |
| Net operating income to assets | 0.9505% | 3,073 |
| Return on assets (ROA) | 0.9505% | 3,091 |
| Pretax return on assets | 1.3926% | 2,037 |
| Return on Equity (ROE) | 7.9768% | 3,382 |
| Retained earnings to average equity (ytd only) | 7.9768% | 1,843 |
| Net charge-offs to loans | 0.0028% | 2,637 |
| Credit loss provision to net charge-offs | 1,700.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 688.0000% | 90 |
| Efficiency ratio | 71.3572% | 2,289 |
| Assets per employee ($millions) | 3.1038% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,705 |
| Loan loss allowance to noncurrent loans | 296.5636% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.2976% | 3,662 |
| Noncurrent loans to loans | 0.4106% | 3,307 |
| Net loans and leases to total assets | 71.6048% | 2,239 |
| Net loans and leases to deposits | 82.6565% | 2,530 |
| Net loans and leases to core deposits | 85.2503% | 2,865 |
| Total domestic deposits to total assets | 86.6293% | 2,265 |
| Equity capital to assets | 11.7833% | 1,925 |
| Core capital (leverage) ratio | 12.1320% | 1,570 |
| Tier 1 risk-based capital ratio | 17.3330% | 2,022 |
| Total risk-based capital ratio | 18.5825% | 1,972 |
| Memoranda: | ||
| Average total assets | $192,739,000 | 3,008 |
| Average earning assets | $179,476,500 | 2,998 |
| Average equity | $22,966,500 | 2,868 |
| Average total loans | $141,697,000 | 2,793 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5584% | 1,544 |
| Cost of funding earning assets | 0.4585% | 2,692 |
| Net interest margin | 4.0999% | 1,437 |
| Noninterest income to average assets | 0.8923% | 1,294 |
| Noninterest expense to average assets | 3.4301% | 1,156 |
| Loan and lease loss provision to assets | 0.0270% | 3,750 |
| Net operating income to assets | 0.8025% | 3,146 |
| Return on assets (ROA) | 0.8290% | 3,077 |
| Pretax return on assets | 1.2925% | 2,379 |
| Return on Equity (ROE) | 7.1856% | 3,185 |
| Retained earnings to average equity (ytd only) | 6.6239% | 1,220 |
| Net charge-offs to loans | 0.1023% | 2,047 |
| Credit loss provision to net charge-offs | 36.1111% | 3,478 |
| Earnings coverage of net charge-offs (x) | 17.1181% | 2,147 |
| Efficiency ratio | 72.8554% | 2,089 |
| Assets per employee ($millions) | 2.9678% | 5,220 |
| Cash dividends to net income (ytd only)* | 7.8174% | 3,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2072% | 2,731 |
| Loan loss allowance to noncurrent loans | 266.7707% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.5518% | 2,718 |
| Noncurrent loans to loans | 0.4525% | 3,155 |
| Net loans and leases to total assets | 73.6777% | 1,975 |
| Net loans and leases to deposits | 85.4529% | 2,332 |
| Net loans and leases to core deposits | 88.0726% | 2,713 |
| Total domestic deposits to total assets | 86.2202% | 2,343 |
| Equity capital to assets | 12.0524% | 1,798 |
| Core capital (leverage) ratio | 12.0978% | 1,554 |
| Tier 1 risk-based capital ratio | 17.1246% | 2,050 |
| Total risk-based capital ratio | 18.3746% | 2,009 |
| Memoranda: | ||
| Average total assets | $192,881,000 | 2,985 |
| Average earning assets | $179,515,600 | 2,970 |
| Average equity | $22,252,800 | 2,928 |
| Average total loans | $140,722,200 | 2,770 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4683% | 1,728 |
| Cost of funding earning assets | 0.4556% | 2,659 |
| Net interest margin | 4.0128% | 1,656 |
| Noninterest income to average assets | 0.8656% | 1,385 |
| Noninterest expense to average assets | 3.3743% | 1,197 |
| Loan and lease loss provision to assets | 0.0262% | 3,610 |
| Net operating income to assets | 0.7768% | 3,613 |
| Return on assets (ROA) | 0.8126% | 3,518 |
| Pretax return on assets | 1.2567% | 2,678 |
| Return on Equity (ROE) | 7.1212% | 3,587 |
| Retained earnings to average equity (ytd only) | 6.9341% | 1,728 |
| Net charge-offs to loans | 0.0693% | 2,133 |
| Credit loss provision to net charge-offs | 52.0548% | 2,890 |
| Earnings coverage of net charge-offs (x) | 24.4248% | 1,771 |
| Efficiency ratio | 73.3204% | 1,999 |
| Assets per employee ($millions) | 3.1409% | 5,131 |
| Cash dividends to net income (ytd only)* | 2.6270% | 3,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 2,591 |
| Loan loss allowance to noncurrent loans | 150.6394% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.8273% | 2,084 |
| Noncurrent loans to loans | 0.8353% | 2,275 |
| Net loans and leases to total assets | 71.2053% | 2,378 |
| Net loans and leases to deposits | 82.2696% | 2,749 |
| Net loans and leases to core deposits | 84.7796% | 3,065 |
| Total domestic deposits to total assets | 86.5511% | 2,074 |
| Equity capital to assets | 11.6912% | 2,196 |
| Core capital (leverage) ratio | 11.7447% | 1,852 |
| Tier 1 risk-based capital ratio | 17.0357% | 2,145 |
| Total risk-based capital ratio | 18.2865% | 2,098 |
| Memoranda: | ||
| Average total assets | $193,616,750 | 3,008 |
| Average earning assets | $180,286,250 | 2,990 |
| Average equity | $22,093,000 | 2,966 |
| Average total loans | $140,489,750 | 2,793 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4308% | 1,723 |
| Cost of funding earning assets | 0.4524% | 2,576 |
| Net interest margin | 3.9784% | 1,679 |
| Noninterest income to average assets | 0.8083% | 1,544 |
| Noninterest expense to average assets | 3.4009% | 1,161 |
| Loan and lease loss provision to assets | 0.0041% | 3,822 |
| Net operating income to assets | 0.7147% | 3,775 |
| Return on assets (ROA) | 0.7659% | 3,611 |
| Pretax return on assets | 1.1861% | 2,820 |
| Return on Equity (ROE) | 6.7678% | 3,681 |
| Retained earnings to average equity (ytd only) | 6.4843% | 1,854 |
| Net charge-offs to loans | 0.0470% | 2,276 |
| Credit loss provision to net charge-offs | 12.1212% | 2,836 |
| Earnings coverage of net charge-offs (x) | 32.5455% | 1,411 |
| Efficiency ratio | 75.3670% | 1,814 |
| Assets per employee ($millions) | 3.0337% | 5,236 |
| Cash dividends to net income (ytd only)* | 4.1892% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 2,591 |
| Loan loss allowance to noncurrent loans | 201.4773% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.6855% | 2,498 |
| Noncurrent loans to loans | 0.6282% | 2,846 |
| Net loans and leases to total assets | 71.2365% | 2,327 |
| Net loans and leases to deposits | 82.6325% | 2,635 |
| Net loans and leases to core deposits | 86.2246% | 2,856 |
| Total domestic deposits to total assets | 86.2087% | 2,289 |
| Equity capital to assets | 11.5179% | 2,309 |
| Core capital (leverage) ratio | 11.5384% | 1,943 |
| Tier 1 risk-based capital ratio | 16.8484% | 2,192 |
| Total risk-based capital ratio | 18.0992% | 2,155 |
| Memoranda: | ||
| Average total assets | $193,243,330 | 3,028 |
| Average earning assets | $179,922,670 | 3,002 |
| Average equity | $21,868,330 | 2,987 |
| Average total loans | $140,509,670 | 2,793 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3617% | 1,777 |
| Cost of funding earning assets | 0.4616% | 2,417 |
| Net interest margin | 3.9001% | 1,779 |
| Noninterest income to average assets | 0.7594% | 1,711 |
| Noninterest expense to average assets | 3.4110% | 1,179 |
| Loan and lease loss provision to assets | 0.0041% | 3,503 |
| Net operating income to assets | 0.6273% | 4,028 |
| Return on assets (ROA) | 0.6826% | 3,814 |
| Pretax return on assets | 1.0582% | 3,143 |
| Return on Equity (ROE) | 6.0867% | 3,869 |
| Retained earnings to average equity (ytd only) | 6.0867% | 2,285 |
| Net charge-offs to loans | 0.0966% | 1,398 |
| Credit loss provision to net charge-offs | 5.8824% | 2,248 |
| Earnings coverage of net charge-offs (x) | 13.8529% | 1,757 |
| Efficiency ratio | 77.7305% | 1,669 |
| Assets per employee ($millions) | 3.0380% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 2,789 |
| Loan loss allowance to noncurrent loans | 156.7257% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.8527% | 2,172 |
| Noncurrent loans to loans | 0.8008% | 2,454 |
| Net loans and leases to total assets | 71.6627% | 2,119 |
| Net loans and leases to deposits | 82.9164% | 2,406 |
| Net loans and leases to core deposits | 87.0203% | 2,636 |
| Total domestic deposits to total assets | 86.4277% | 2,479 |
| Equity capital to assets | 11.2337% | 2,405 |
| Core capital (leverage) ratio | 11.3979% | 2,028 |
| Tier 1 risk-based capital ratio | 17.6679% | 1,987 |
| Total risk-based capital ratio | 18.9195% | 1,940 |
| Memoranda: | ||
| Average total assets | $192,785,500 | 3,058 |
| Average earning assets | $179,379,500 | 3,042 |
| Average equity | $21,621,000 | 3,017 |
| Average total loans | $140,722,000 | 2,807 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5725% | 1,353 |
| Cost of funding earning assets | 0.4557% | 2,489 |
| Net interest margin | 4.1168% | 1,341 |
| Noninterest income to average assets | 0.9669% | 1,221 |
| Noninterest expense to average assets | 3.6604% | 931 |
| Loan and lease loss provision to assets | 0.1677% | 1,459 |
| Net operating income to assets | 0.6329% | 4,078 |
| Return on assets (ROA) | 0.7167% | 3,821 |
| Pretax return on assets | 1.1065% | 3,076 |
| Return on Equity (ROE) | 6.2789% | 3,857 |
| Retained earnings to average equity (ytd only) | 5.5277% | 1,998 |
| Net charge-offs to loans | 0.2096% | 1,326 |
| Credit loss provision to net charge-offs | 106.1433% | 2,454 |
| Earnings coverage of net charge-offs (x) | 7.2491% | 3,044 |
| Efficiency ratio | 76.1670% | 1,957 |
| Assets per employee ($millions) | 2.9865% | 5,363 |
| Cash dividends to net income (ytd only)* | 11.9639% | 3,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 2,628 |
| Loan loss allowance to noncurrent loans | 387.7419% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.5049% | 3,244 |
| Noncurrent loans to loans | 0.3313% | 3,951 |
| Net loans and leases to total assets | 72.4785% | 2,096 |
| Net loans and leases to deposits | 85.0183% | 2,306 |
| Net loans and leases to core deposits | 89.9320% | 2,503 |
| Total domestic deposits to total assets | 85.2504% | 2,941 |
| Equity capital to assets | 11.1961% | 2,423 |
| Core capital (leverage) ratio | 11.4432% | 1,975 |
| Tier 1 risk-based capital ratio | 16.9740% | 2,167 |
| Total risk-based capital ratio | 18.2260% | 2,116 |
| Memoranda: | ||
| Average total assets | $185,443,800 | 3,104 |
| Average earning assets | $172,925,600 | 3,081 |
| Average equity | $21,166,000 | 3,052 |
| Average total loans | $139,823,200 | 2,782 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5858% | 1,318 |
| Cost of funding earning assets | 0.4504% | 2,559 |
| Net interest margin | 4.1355% | 1,294 |
| Noninterest income to average assets | 0.9904% | 1,163 |
| Noninterest expense to average assets | 3.6901% | 865 |
| Loan and lease loss provision to assets | 0.1884% | 1,158 |
| Net operating income to assets | 0.6290% | 4,168 |
| Return on assets (ROA) | 0.6992% | 3,981 |
| Pretax return on assets | 1.0788% | 3,321 |
| Return on Equity (ROE) | 6.0956% | 4,026 |
| Retained earnings to average equity (ytd only) | 5.0913% | 2,759 |
| Net charge-offs to loans | 0.2797% | 824 |
| Credit loss provision to net charge-offs | 88.7372% | 2,552 |
| Earnings coverage of net charge-offs (x) | 5.4607% | 3,126 |
| Efficiency ratio | 76.0944% | 1,966 |
| Assets per employee ($millions) | 3.0521% | 5,341 |
| Cash dividends to net income (ytd only)* | 16.4764% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 2,878 |
| Loan loss allowance to noncurrent loans | 459.8425% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.4656% | 3,568 |
| Noncurrent loans to loans | 0.2745% | 4,278 |
| Net loans and leases to total assets | 72.4224% | 2,127 |
| Net loans and leases to deposits | 85.4150% | 2,321 |
| Net loans and leases to core deposits | 90.6940% | 2,511 |
| Total domestic deposits to total assets | 84.7889% | 2,898 |
| Equity capital to assets | 11.3497% | 2,656 |
| Core capital (leverage) ratio | 11.4886% | 2,043 |
| Tier 1 risk-based capital ratio | 17.0213% | 2,219 |
| Total risk-based capital ratio | 18.2728% | 2,176 |
| Memoranda: | ||
| Average total assets | $184,020,250 | 3,129 |
| Average earning assets | $171,712,500 | 3,104 |
| Average equity | $21,107,500 | 3,076 |
| Average total loans | $139,694,750 | 2,791 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6519% | 1,163 |
| Cost of funding earning assets | 0.4466% | 2,601 |
| Net interest margin | 4.2053% | 1,103 |
| Noninterest income to average assets | 1.0478% | 1,019 |
| Noninterest expense to average assets | 3.6482% | 943 |
| Loan and lease loss provision to assets | 0.1920% | 1,125 |
| Net operating income to assets | 0.7292% | 3,658 |
| Return on assets (ROA) | 0.8339% | 3,293 |
| Pretax return on assets | 1.2969% | 2,418 |
| Return on Equity (ROE) | 7.2435% | 3,400 |
| Retained earnings to average equity (ytd only) | 6.2999% | 1,962 |
| Net charge-offs to loans | 0.0643% | 2,280 |
| Credit loss provision to net charge-offs | 388.8889% | 791 |
| Earnings coverage of net charge-offs (x) | 26.8444% | 1,474 |
| Efficiency ratio | 73.3510% | 2,461 |
| Assets per employee ($millions) | 2.9546% | 5,476 |
| Cash dividends to net income (ytd only)* | 13.0263% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 2,470 |
| Loan loss allowance to noncurrent loans | 470.5160% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 4,449 |
| Noncurrent loans to loans | 0.2900% | 4,334 |
| Net loans and leases to total assets | 75.5695% | 1,559 |
| Net loans and leases to deposits | 89.5322% | 1,809 |
| Net loans and leases to core deposits | 93.0698% | 2,253 |
| Total domestic deposits to total assets | 84.4048% | 3,119 |
| Equity capital to assets | 11.6445% | 2,408 |
| Core capital (leverage) ratio | 11.3985% | 2,064 |
| Tier 1 risk-based capital ratio | 17.4212% | 2,092 |
| Total risk-based capital ratio | 18.6746% | 2,056 |
| Memoranda: | ||
| Average total assets | $182,283,670 | 3,165 |
| Average earning assets | $170,165,330 | 3,140 |
| Average equity | $20,984,330 | 3,097 |
| Average total loans | $139,994,000 | 2,790 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6853% | 1,078 |
| Cost of funding earning assets | 0.4508% | 2,570 |
| Net interest margin | 4.2345% | 1,024 |
| Noninterest income to average assets | 1.1791% | 790 |
| Noninterest expense to average assets | 3.8101% | 765 |
| Loan and lease loss provision to assets | 0.1760% | 1,158 |
| Net operating income to assets | 0.7273% | 3,586 |
| Return on assets (ROA) | 0.9371% | 2,678 |
| Pretax return on assets | 1.4673% | 1,692 |
| Return on Equity (ROE) | 8.1880% | 2,808 |
| Retained earnings to average equity (ytd only) | 8.1880% | 1,380 |
| Net charge-offs to loans | 0.0486% | 2,065 |
| Credit loss provision to net charge-offs | 470.5882% | 636 |
| Earnings coverage of net charge-offs (x) | 35.1765% | 1,088 |
| Efficiency ratio | 74.3348% | 2,421 |
| Assets per employee ($millions) | 2.9988% | 5,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 2,853 |
| Loan loss allowance to noncurrent loans | 436.6430% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.2678% | 4,486 |
| Noncurrent loans to loans | 0.3000% | 4,352 |
| Net loans and leases to total assets | 74.8392% | 1,588 |
| Net loans and leases to deposits | 88.7151% | 1,734 |
| Net loans and leases to core deposits | 92.3319% | 2,155 |
| Total domestic deposits to total assets | 84.3590% | 3,374 |
| Equity capital to assets | 11.3291% | 2,596 |
| Core capital (leverage) ratio | 11.4701% | 1,996 |
| Tier 1 risk-based capital ratio | 16.6808% | 2,405 |
| Total risk-based capital ratio | 17.9335% | 2,350 |
| Memoranda: | ||
| Average total assets | $181,833,000 | 3,183 |
| Average earning assets | $169,466,500 | 3,160 |
| Average equity | $20,811,000 | 3,115 |
| Average total loans | $139,817,500 | 2,786 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8795% | 802 |
| Cost of funding earning assets | 0.4450% | 2,683 |
| Net interest margin | 4.4345% | 742 |
| Noninterest income to average assets | 0.9166% | 1,390 |
| Noninterest expense to average assets | 3.6970% | 982 |
| Loan and lease loss provision to assets | 0.1280% | 1,884 |
| Net operating income to assets | 0.7983% | 3,348 |
| Return on assets (ROA) | 0.8337% | 3,254 |
| Pretax return on assets | 1.2740% | 2,383 |
| Return on Equity (ROE) | 7.2199% | 3,397 |
| Retained earnings to average equity (ytd only) | 6.4222% | 1,585 |
| Net charge-offs to loans | 0.3638% | 808 |
| Credit loss provision to net charge-offs | 44.8276% | 3,474 |
| Earnings coverage of net charge-offs (x) | 4.7181% | 3,500 |
| Efficiency ratio | 73.2859% | 2,696 |
| Assets per employee ($millions) | 2.8667% | 5,647 |
| Cash dividends to net income (ytd only)* | 11.0493% | 4,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 2,977 |
| Loan loss allowance to noncurrent loans | 451.8987% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.8265% | 2,605 |
| Noncurrent loans to loans | 0.2849% | 4,442 |
| Net loans and leases to total assets | 76.9987% | 1,251 |
| Net loans and leases to deposits | 91.6940% | 1,431 |
| Net loans and leases to core deposits | 96.6054% | 1,786 |
| Total domestic deposits to total assets | 83.9736% | 3,490 |
| Equity capital to assets | 11.5665% | 2,308 |
| Core capital (leverage) ratio | 11.5277% | 1,944 |
| Tier 1 risk-based capital ratio | 16.6654% | 2,402 |
| Total risk-based capital ratio | 17.9177% | 2,359 |
| Memoranda: | ||
| Average total assets | $172,601,600 | 3,266 |
| Average earning assets | $160,672,000 | 3,248 |
| Average equity | $19,931,000 | 3,179 |
| Average total loans | $135,517,800 | 2,792 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9080% | 755 |
| Cost of funding earning assets | 0.4384% | 2,819 |
| Net interest margin | 4.4696% | 698 |
| Noninterest income to average assets | 0.8989% | 1,453 |
| Noninterest expense to average assets | 3.7543% | 899 |
| Loan and lease loss provision to assets | 0.1230% | 1,853 |
| Net operating income to assets | 0.7765% | 3,546 |
| Return on assets (ROA) | 0.8180% | 3,430 |
| Pretax return on assets | 1.2514% | 2,594 |
| Return on Equity (ROE) | 7.0865% | 3,575 |
| Retained earnings to average equity (ytd only) | 6.5470% | 1,929 |
| Net charge-offs to loans | 0.1088% | 2,038 |
| Credit loss provision to net charge-offs | 143.6364% | 1,739 |
| Earnings coverage of net charge-offs (x) | 15.3094% | 2,190 |
| Efficiency ratio | 74.1242% | 2,533 |
| Assets per employee ($millions) | 2.8941% | 5,657 |
| Cash dividends to net income (ytd only)* | 7.6115% | 3,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 2,114 |
| Loan loss allowance to noncurrent loans | 348.5099% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.6344% | 3,357 |
| Noncurrent loans to loans | 0.4335% | 4,052 |
| Net loans and leases to total assets | 77.7235% | 1,147 |
| Net loans and leases to deposits | 92.8225% | 1,327 |
| Net loans and leases to core deposits | 98.1439% | 1,687 |
| Total domestic deposits to total assets | 83.7334% | 3,527 |
| Equity capital to assets | 11.5209% | 2,491 |
| Core capital (leverage) ratio | 11.3330% | 2,166 |
| Tier 1 risk-based capital ratio | 16.3763% | 2,635 |
| Total risk-based capital ratio | 17.6314% | 2,584 |
| Memoranda: | ||
| Average total assets | $171,317,500 | 3,310 |
| Average earning assets | $159,680,750 | 3,290 |
| Average equity | $19,774,250 | 3,225 |
| Average total loans | $134,737,000 | 2,823 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8648% | 785 |
| Cost of funding earning assets | 0.4258% | 2,977 |
| Net interest margin | 4.4390% | 709 |
| Noninterest income to average assets | 0.8492% | 1,606 |
| Noninterest expense to average assets | 3.8095% | 861 |
| Loan and lease loss provision to assets | 0.1286% | 1,728 |
| Net operating income to assets | 0.6969% | 3,904 |
| Return on assets (ROA) | 0.7265% | 3,879 |
| Pretax return on assets | 1.0992% | 3,178 |
| Return on Equity (ROE) | 6.2902% | 3,993 |
| Retained earnings to average equity (ytd only) | 5.4733% | 2,549 |
| Net charge-offs to loans | 0.1817% | 1,366 |
| Credit loss provision to net charge-offs | 90.0826% | 2,202 |
| Earnings coverage of net charge-offs (x) | 8.2893% | 2,573 |
| Efficiency ratio | 76.3052% | 2,309 |
| Assets per employee ($millions) | 2.7678% | 5,843 |
| Cash dividends to net income (ytd only)* | 12.9870% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5146% | 2,227 |
| Loan loss allowance to noncurrent loans | 1,224.5509% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 4,260 |
| Noncurrent loans to loans | 0.1237% | 5,258 |
| Net loans and leases to total assets | 76.2589% | 1,329 |
| Net loans and leases to deposits | 88.4060% | 1,780 |
| Net loans and leases to core deposits | 92.7897% | 2,084 |
| Total domestic deposits to total assets | 86.2599% | 2,553 |
| Equity capital to assets | 11.3211% | 2,557 |
| Core capital (leverage) ratio | 11.3728% | 2,097 |
| Tier 1 risk-based capital ratio | 16.3324% | 2,698 |
| Total risk-based capital ratio | 17.5877% | 2,653 |
| Memoranda: | ||
| Average total assets | $169,576,670 | 3,354 |
| Average earning assets | $158,279,330 | 3,324 |
| Average equity | $19,586,000 | 3,265 |
| Average total loans | $133,210,000 | 2,853 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8887% | 717 |
| Cost of funding earning assets | 0.4170% | 3,115 |
| Net interest margin | 4.4717% | 635 |
| Noninterest income to average assets | 0.8111% | 1,670 |
| Noninterest expense to average assets | 3.8043% | 874 |
| Loan and lease loss provision to assets | 0.1172% | 1,761 |
| Net operating income to assets | 0.7154% | 3,726 |
| Return on assets (ROA) | 0.7154% | 3,851 |
| Pretax return on assets | 1.0719% | 3,205 |
| Return on Equity (ROE) | 6.1307% | 3,966 |
| Retained earnings to average equity (ytd only) | 6.1307% | 2,411 |
| Net charge-offs to loans | 0.3326% | 730 |
| Credit loss provision to net charge-offs | 44.5455% | 2,151 |
| Earnings coverage of net charge-offs (x) | 4.5182% | 2,482 |
| Efficiency ratio | 76.1859% | 2,490 |
| Assets per employee ($millions) | 2.8082% | 5,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4856% | 2,504 |
| Loan loss allowance to noncurrent loans | 1,663.3333% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.3514% | 4,601 |
| Noncurrent loans to loans | 0.0893% | 5,426 |
| Net loans and leases to total assets | 77.2695% | 1,022 |
| Net loans and leases to deposits | 89.9262% | 1,402 |
| Net loans and leases to core deposits | 95.0209% | 1,691 |
| Total domestic deposits to total assets | 85.9255% | 2,979 |
| Equity capital to assets | 11.5386% | 2,433 |
| Core capital (leverage) ratio | 11.3943% | 2,087 |
| Tier 1 risk-based capital ratio | 16.3981% | 2,735 |
| Total risk-based capital ratio | 17.6528% | 2,678 |
| Memoranda: | ||
| Average total assets | $167,178,500 | 3,411 |
| Average earning assets | $156,359,500 | 3,372 |
| Average equity | $19,508,500 | 3,291 |
| Average total loans | $132,305,000 | 2,878 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9811% | 805 |
| Cost of funding earning assets | 0.3993% | 3,694 |
| Net interest margin | 4.5818% | 635 |
| Noninterest income to average assets | 0.6148% | 2,772 |
| Noninterest expense to average assets | 3.8242% | 954 |
| Loan and lease loss provision to assets | 0.2247% | 1,093 |
| Net operating income to assets | 0.5365% | 4,655 |
| Return on assets (ROA) | 0.6429% | 4,278 |
| Pretax return on assets | 0.9884% | 3,547 |
| Return on Equity (ROE) | 5.6113% | 4,355 |
| Retained earnings to average equity (ytd only) | 4.8653% | 2,704 |
| Net charge-offs to loans | 0.3595% | 1,213 |
| Credit loss provision to net charge-offs | 82.6966% | 2,815 |
| Earnings coverage of net charge-offs (x) | 3.8629% | 3,795 |
| Efficiency ratio | 78.4667% | 2,140 |
| Assets per employee ($millions) | 2.7636% | 5,968 |
| Cash dividends to net income (ytd only)* | 13.2953% | 4,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 2,157 |
| Loan loss allowance to noncurrent loans | 1,301.8987% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.6139% | 3,746 |
| Noncurrent loans to loans | 0.1213% | 5,413 |
| Net loans and leases to total assets | 78.6194% | 934 |
| Net loans and leases to deposits | 91.8603% | 1,303 |
| Net loans and leases to core deposits | 98.3626% | 1,523 |
| Total domestic deposits to total assets | 85.5858% | 3,038 |
| Equity capital to assets | 11.8065% | 2,163 |
| Core capital (leverage) ratio | 11.6761% | 1,845 |
| Tier 1 risk-based capital ratio | 16.6759% | 2,647 |
| Total risk-based capital ratio | 17.9327% | 2,591 |
| Memoranda: | ||
| Average total assets | $163,799,600 | 3,429 |
| Average earning assets | $152,254,800 | 3,405 |
| Average equity | $18,765,600 | 3,314 |
| Average total loans | $123,798,800 | 2,975 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9525% | 840 |
| Cost of funding earning assets | 0.3963% | 3,829 |
| Net interest margin | 4.5562% | 677 |
| Noninterest income to average assets | 0.6350% | 2,652 |
| Noninterest expense to average assets | 3.8132% | 958 |
| Loan and lease loss provision to assets | 0.2350% | 939 |
| Net operating income to assets | 0.5421% | 4,702 |
| Return on assets (ROA) | 0.6033% | 4,524 |
| Pretax return on assets | 0.9139% | 3,931 |
| Return on Equity (ROE) | 5.3062% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.8772% | 3,171 |
| Net charge-offs to loans | 0.3154% | 1,264 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 4.4949% | 3,444 |
| Efficiency ratio | 78.3102% | 2,135 |
| Assets per employee ($millions) | 2.7827% | 5,987 |
| Cash dividends to net income (ytd only)* | 8.0864% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6893% | 2,005 |
| Loan loss allowance to noncurrent loans | 597.7591% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.9301% | 3,110 |
| Noncurrent loans to loans | 0.2826% | 5,063 |
| Net loans and leases to total assets | 75.6418% | 1,266 |
| Net loans and leases to deposits | 88.2286% | 1,640 |
| Net loans and leases to core deposits | 94.4065% | 1,819 |
| Total domestic deposits to total assets | 85.7339% | 2,992 |
| Equity capital to assets | 11.5782% | 2,408 |
| Core capital (leverage) ratio | 11.4504% | 2,101 |
| Tier 1 risk-based capital ratio | 16.4759% | 2,820 |
| Total risk-based capital ratio | 17.7336% | 2,773 |
| Memoranda: | ||
| Average total assets | $163,986,000 | 3,457 |
| Average earning assets | $152,404,500 | 3,423 |
| Average equity | $18,644,250 | 3,344 |
| Average total loans | $122,186,250 | 3,015 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8988% | 912 |
| Cost of funding earning assets | 0.3938% | 3,935 |
| Net interest margin | 4.5050% | 699 |
| Noninterest income to average assets | 0.6479% | 2,556 |
| Noninterest expense to average assets | 3.7603% | 1,027 |
| Loan and lease loss provision to assets | 0.2977% | 663 |
| Net operating income to assets | 0.5087% | 4,774 |
| Return on assets (ROA) | 0.5991% | 4,453 |
| Pretax return on assets | 0.9163% | 3,824 |
| Return on Equity (ROE) | 5.3016% | 4,528 |
| Retained earnings to average equity (ytd only) | 4.6538% | 3,183 |
| Net charge-offs to loans | 0.4188% | 975 |
| Credit loss provision to net charge-offs | 96.4427% | 2,072 |
| Earnings coverage of net charge-offs (x) | 3.4822% | 3,295 |
| Efficiency ratio | 77.7694% | 2,324 |
| Assets per employee ($millions) | 2.8289% | 5,992 |
| Cash dividends to net income (ytd only)* | 12.2200% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 2,116 |
| Loan loss allowance to noncurrent loans | 366.2069% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 1.2055% | 2,677 |
| Noncurrent loans to loans | 0.4658% | 4,600 |
| Net loans and leases to total assets | 73.3362% | 1,528 |
| Net loans and leases to deposits | 85.1047% | 1,916 |
| Net loans and leases to core deposits | 91.7920% | 1,950 |
| Total domestic deposits to total assets | 86.1717% | 2,953 |
| Equity capital to assets | 11.2664% | 2,645 |
| Core capital (leverage) ratio | 11.1807% | 2,263 |
| Tier 1 risk-based capital ratio | 16.3519% | 2,902 |
| Total risk-based capital ratio | 17.6090% | 2,854 |
| Memoranda: | ||
| Average total assets | $163,921,670 | 3,480 |
| Average earning assets | $152,362,670 | 3,438 |
| Average equity | $18,522,670 | 3,356 |
| Average total loans | $120,807,670 | 3,046 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8272% | 990 |
| Cost of funding earning assets | 0.3950% | 4,033 |
| Net interest margin | 4.4322% | 752 |
| Noninterest income to average assets | 0.7142% | 2,104 |
| Noninterest expense to average assets | 3.6102% | 1,291 |
| Loan and lease loss provision to assets | 0.3054% | 629 |
| Net operating income to assets | 0.6181% | 4,109 |
| Return on assets (ROA) | 0.6181% | 4,190 |
| Pretax return on assets | 0.9161% | 3,642 |
| Return on Equity (ROE) | 5.4619% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.4619% | 2,810 |
| Net charge-offs to loans | 0.9954% | 336 |
| Credit loss provision to net charge-offs | 41.8919% | 2,284 |
| Earnings coverage of net charge-offs (x) | 1.6757% | 3,044 |
| Efficiency ratio | 74.7197% | 3,015 |
| Assets per employee ($millions) | 2.7681% | 6,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 2,602 |
| Loan loss allowance to noncurrent loans | 523.2000% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.9959% | 3,275 |
| Noncurrent loans to loans | 0.3103% | 5,175 |
| Net loans and leases to total assets | 71.5943% | 1,634 |
| Net loans and leases to deposits | 83.0291% | 1,943 |
| Net loans and leases to core deposits | 89.5741% | 1,951 |
| Total domestic deposits to total assets | 86.2280% | 3,242 |
| Equity capital to assets | 11.1769% | 2,552 |
| Core capital (leverage) ratio | 11.5003% | 1,966 |
| Tier 1 risk-based capital ratio | 16.9419% | 2,721 |
| Total risk-based capital ratio | 18.1985% | 2,666 |
| Memoranda: | ||
| Average total assets | $162,430,500 | 3,524 |
| Average earning assets | $150,895,000 | 3,491 |
| Average equity | $18,382,000 | 3,372 |
| Average total loans | $118,949,000 | 3,092 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9193% | 1,057 |
| Cost of funding earning assets | 0.5277% | 3,311 |
| Net interest margin | 4.3916% | 927 |
| Noninterest income to average assets | 0.7202% | 2,428 |
| Noninterest expense to average assets | 3.5672% | 1,511 |
| Loan and lease loss provision to assets | 0.4263% | 691 |
| Net operating income to assets | 0.5231% | 4,627 |
| Return on assets (ROA) | 0.5231% | 4,753 |
| Pretax return on assets | 0.7923% | 4,170 |
| Return on Equity (ROE) | 4.6652% | 4,803 |
| Retained earnings to average equity (ytd only) | 4.1872% | 3,194 |
| Net charge-offs to loans | 0.7855% | 800 |
| Credit loss provision to net charge-offs | 75.8772% | 3,145 |
| Earnings coverage of net charge-offs (x) | 2.1689% | 4,306 |
| Efficiency ratio | 74.5366% | 3,041 |
| Assets per employee ($millions) | 2.3698% | 6,478 |
| Cash dividends to net income (ytd only)* | 10.2473% | 4,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8226% | 1,998 |
| Loan loss allowance to noncurrent loans | 638.6228% | 764 |
| Noncurrent assets plus other real estate owned to assets | 1.0335% | 3,362 |
| Noncurrent loans to loans | 0.2854% | 5,335 |
| Net loans and leases to total assets | 72.3633% | 1,625 |
| Net loans and leases to deposits | 84.2039% | 1,907 |
| Net loans and leases to core deposits | 89.5792% | 2,074 |
| Total domestic deposits to total assets | 85.9382% | 3,290 |
| Equity capital to assets | 11.4632% | 2,195 |
| Core capital (leverage) ratio | 11.9200% | 1,662 |
| Tier 1 risk-based capital ratio | 16.9864% | 2,615 |
| Total risk-based capital ratio | 18.2450% | 2,576 |
| Memoranda: | ||
| Average total assets | $162,311,000 | 3,526 |
| Average earning assets | $150,265,200 | 3,496 |
| Average equity | $18,198,400 | 3,389 |
| Average total loans | $116,098,400 | 3,130 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 1,116 |
| Cost of funding earning assets | 0.5615% | 3,154 |
| Net interest margin | 4.3426% | 1,002 |
| Noninterest income to average assets | 0.8235% | 2,043 |
| Noninterest expense to average assets | 3.5205% | 1,566 |
| Loan and lease loss provision to assets | 0.4395% | 658 |
| Net operating income to assets | 0.5801% | 4,428 |
| Return on assets (ROA) | 0.5801% | 4,560 |
| Pretax return on assets | 0.8824% | 3,954 |
| Return on Equity (ROE) | 5.2020% | 4,626 |
| Retained earnings to average equity (ytd only) | 4.8796% | 3,167 |
| Net charge-offs to loans | 0.6628% | 916 |
| Credit loss provision to net charge-offs | 93.4028% | 2,551 |
| Earnings coverage of net charge-offs (x) | 2.8090% | 3,900 |
| Efficiency ratio | 72.7012% | 3,283 |
| Assets per employee ($millions) | 2.5078% | 6,470 |
| Cash dividends to net income (ytd only)* | 6.1977% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9666% | 1,807 |
| Loan loss allowance to noncurrent loans | 355.0613% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 1.2623% | 3,112 |
| Noncurrent loans to loans | 0.5539% | 4,812 |
| Net loans and leases to total assets | 71.9009% | 1,611 |
| Net loans and leases to deposits | 83.5031% | 1,943 |
| Net loans and leases to core deposits | 88.4771% | 2,133 |
| Total domestic deposits to total assets | 86.1056% | 3,193 |
| Equity capital to assets | 11.3884% | 2,391 |
| Core capital (leverage) ratio | 11.8213% | 1,798 |
| Tier 1 risk-based capital ratio | 16.6022% | 2,896 |
| Total risk-based capital ratio | 17.8626% | 2,851 |
| Memoranda: | ||
| Average total assets | $163,194,250 | 3,547 |
| Average earning assets | $151,027,250 | 3,514 |
| Average equity | $18,197,750 | 3,425 |
| Average total loans | $115,865,500 | 3,147 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8263% | 1,276 |
| Cost of funding earning assets | 0.5784% | 3,141 |
| Net interest margin | 4.2479% | 1,147 |
| Noninterest income to average assets | 0.8325% | 2,056 |
| Noninterest expense to average assets | 3.4858% | 1,636 |
| Loan and lease loss provision to assets | 0.3656% | 902 |
| Net operating income to assets | 0.5972% | 4,299 |
| Return on assets (ROA) | 0.5972% | 4,483 |
| Pretax return on assets | 0.9105% | 3,865 |
| Return on Equity (ROE) | 5.3932% | 4,521 |
| Retained earnings to average equity (ytd only) | 4.9089% | 3,112 |
| Net charge-offs to loans | 0.2395% | 2,287 |
| Credit loss provision to net charge-offs | 217.3913% | 1,114 |
| Earnings coverage of net charge-offs (x) | 7.5870% | 2,528 |
| Efficiency ratio | 73.2019% | 3,278 |
| Assets per employee ($millions) | 2.4541% | 6,534 |
| Cash dividends to net income (ytd only)* | 8.9796% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1760% | 1,471 |
| Loan loss allowance to noncurrent loans | 52.1784% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 3.7318% | 984 |
| Noncurrent loans to loans | 4.1702% | 905 |
| Net loans and leases to total assets | 68.7645% | 2,097 |
| Net loans and leases to deposits | 81.5666% | 2,105 |
| Net loans and leases to core deposits | 86.1481% | 2,320 |
| Total domestic deposits to total assets | 84.3047% | 4,199 |
| Equity capital to assets | 10.9898% | 2,760 |
| Core capital (leverage) ratio | 11.1457% | 2,218 |
| Tier 1 risk-based capital ratio | 16.5340% | 2,929 |
| Total risk-based capital ratio | 17.7972% | 2,873 |
| Memoranda: | ||
| Average total assets | $164,093,670 | 3,558 |
| Average earning assets | $151,792,670 | 3,520 |
| Average equity | $18,171,000 | 3,448 |
| Average total loans | $115,249,670 | 3,163 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8252% | 1,241 |
| Cost of funding earning assets | 0.5863% | 3,246 |
| Net interest margin | 4.2389% | 1,102 |
| Noninterest income to average assets | 0.7247% | 2,455 |
| Noninterest expense to average assets | 3.5406% | 1,543 |
| Loan and lease loss provision to assets | 0.1171% | 2,772 |
| Net operating income to assets | 0.6442% | 3,995 |
| Return on assets (ROA) | 0.6442% | 4,157 |
| Pretax return on assets | 0.9834% | 3,432 |
| Return on Equity (ROE) | 5.7954% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.7954% | 2,783 |
| Net charge-offs to loans | 0.4727% | 1,266 |
| Credit loss provision to net charge-offs | 35.2941% | 2,811 |
| Earnings coverage of net charge-offs (x) | 3.3162% | 2,792 |
| Efficiency ratio | 76.2881% | 2,879 |
| Assets per employee ($millions) | 2.5583% | 6,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9865% | 2,083 |
| Loan loss allowance to noncurrent loans | 932.0988% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.9135% | 4,111 |
| Noncurrent loans to loans | 0.2131% | 5,877 |
| Net loans and leases to total assets | 67.2061% | 2,156 |
| Net loans and leases to deposits | 78.5483% | 2,265 |
| Net loans and leases to core deposits | 82.8320% | 2,473 |
| Total domestic deposits to total assets | 85.5602% | 3,768 |
| Equity capital to assets | 11.0241% | 2,938 |
| Core capital (leverage) ratio | 10.7637% | 2,487 |
| Tier 1 risk-based capital ratio | 15.8825% | 3,330 |
| Total risk-based capital ratio | 17.1422% | 3,293 |
| Memoranda: | ||
| Average total assets | $163,928,000 | 3,596 |
| Average earning assets | $151,456,000 | 3,564 |
| Average equity | $18,221,500 | 3,498 |
| Average total loans | $115,084,000 | 3,179 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9630% | 1,656 |
| Cost of funding earning assets | 0.7219% | 3,308 |
| Net interest margin | 4.2411% | 1,537 |
| Noninterest income to average assets | 0.7295% | 2,588 |
| Noninterest expense to average assets | 3.3368% | 2,234 |
| Loan and lease loss provision to assets | 0.6122% | 894 |
| Net operating income to assets | 0.4543% | 4,871 |
| Return on assets (ROA) | 0.4991% | 4,944 |
| Pretax return on assets | 0.7787% | 4,371 |
| Return on Equity (ROE) | 4.5893% | 4,886 |
| Retained earnings to average equity (ytd only) | 4.1029% | 3,329 |
| Net charge-offs to loans | 0.4947% | 2,260 |
| Credit loss provision to net charge-offs | 176.0490% | 1,492 |
| Earnings coverage of net charge-offs (x) | 3.7990% | 3,598 |
| Efficiency ratio | 71.6393% | 3,491 |
| Assets per employee ($millions) | 2.4480% | 6,658 |
| Cash dividends to net income (ytd only)* | 10.5968% | 4,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0259% | 1,949 |
| Loan loss allowance to noncurrent loans | 185.2756% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 1.5511% | 3,057 |
| Noncurrent loans to loans | 1.0935% | 4,021 |
| Net loans and leases to total assets | 70.4313% | 1,753 |
| Net loans and leases to deposits | 82.7255% | 1,905 |
| Net loans and leases to core deposits | 86.9911% | 2,192 |
| Total domestic deposits to total assets | 85.1386% | 3,801 |
| Equity capital to assets | 11.2097% | 2,724 |
| Core capital (leverage) ratio | 10.9462% | 2,300 |
| Tier 1 risk-based capital ratio | 15.9556% | 3,185 |
| Total risk-based capital ratio | 17.2165% | 3,139 |
| Memoranda: | ||
| Average total assets | $164,499,800 | 3,543 |
| Average earning assets | $152,367,600 | 3,505 |
| Average equity | $17,889,600 | 3,490 |
| Average total loans | $115,632,000 | 3,173 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9658% | 1,786 |
| Cost of funding earning assets | 0.7463% | 3,378 |
| Net interest margin | 4.2195% | 1,682 |
| Noninterest income to average assets | 0.6367% | 3,067 |
| Noninterest expense to average assets | 3.2446% | 2,438 |
| Loan and lease loss provision to assets | 0.6068% | 903 |
| Net operating income to assets | 0.5386% | 4,668 |
| Return on assets (ROA) | 0.6100% | 4,597 |
| Pretax return on assets | 0.7924% | 4,519 |
| Return on Equity (ROE) | 5.6519% | 4,506 |
| Retained earnings to average equity (ytd only) | 5.3230% | 3,139 |
| Net charge-offs to loans | 0.1870% | 3,621 |
| Credit loss provision to net charge-offs | 464.1975% | 578 |
| Earnings coverage of net charge-offs (x) | 9.9940% | 2,242 |
| Efficiency ratio | 71.2943% | 3,449 |
| Assets per employee ($millions) | 2.5368% | 6,667 |
| Cash dividends to net income (ytd only)* | 5.8206% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1898% | 1,725 |
| Loan loss allowance to noncurrent loans | 156.2889% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 1.7094% | 3,033 |
| Noncurrent loans to loans | 1.4011% | 3,699 |
| Net loans and leases to total assets | 70.1504% | 1,886 |
| Net loans and leases to deposits | 82.7024% | 2,027 |
| Net loans and leases to core deposits | 87.1918% | 2,316 |
| Total domestic deposits to total assets | 84.8227% | 3,829 |
| Equity capital to assets | 11.3955% | 2,850 |
| Core capital (leverage) ratio | 11.0768% | 2,318 |
| Tier 1 risk-based capital ratio | 16.0703% | 3,232 |
| Total risk-based capital ratio | 17.3270% | 3,194 |
| Memoranda: | ||
| Average total assets | $165,233,250 | 3,562 |
| Average earning assets | $153,284,000 | 3,529 |
| Average equity | $17,834,250 | 3,528 |
| Average total loans | $115,503,500 | 3,211 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9775% | 1,849 |
| Cost of funding earning assets | 0.7636% | 3,488 |
| Net interest margin | 4.2139% | 1,710 |
| Noninterest income to average assets | 0.5867% | 3,342 |
| Noninterest expense to average assets | 3.2280% | 2,499 |
| Loan and lease loss provision to assets | 0.5819% | 1,035 |
| Net operating income to assets | 0.5111% | 4,771 |
| Return on assets (ROA) | 0.6130% | 4,566 |
| Pretax return on assets | 0.8262% | 4,377 |
| Return on Equity (ROE) | 5.7826% | 4,431 |
| Retained earnings to average equity (ytd only) | 5.2856% | 3,106 |
| Net charge-offs to loans | 0.2643% | 2,997 |
| Credit loss provision to net charge-offs | 317.6471% | 930 |
| Earnings coverage of net charge-offs (x) | 6.9346% | 2,558 |
| Efficiency ratio | 71.7594% | 3,471 |
| Assets per employee ($millions) | 2.5819% | 6,677 |
| Cash dividends to net income (ytd only)* | 8.5938% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9479% | 2,381 |
| Loan loss allowance to noncurrent loans | 352.5822% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 1.1315% | 4,128 |
| Noncurrent loans to loans | 0.5525% | 5,413 |
| Net loans and leases to total assets | 67.5756% | 2,353 |
| Net loans and leases to deposits | 78.9013% | 2,536 |
| Net loans and leases to core deposits | 85.5838% | 2,479 |
| Total domestic deposits to total assets | 85.6457% | 3,536 |
| Equity capital to assets | 10.7303% | 3,419 |
| Core capital (leverage) ratio | 10.4626% | 2,843 |
| Tier 1 risk-based capital ratio | 15.0493% | 3,739 |
| Total risk-based capital ratio | 16.3064% | 3,691 |
| Memoranda: | ||
| Average total assets | $167,038,330 | 3,548 |
| Average earning assets | $155,059,000 | 3,513 |
| Average equity | $17,708,330 | 3,541 |
| Average total loans | $115,797,000 | 3,222 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9803% | 1,959 |
| Cost of funding earning assets | 0.7999% | 3,474 |
| Net interest margin | 4.1805% | 1,813 |
| Noninterest income to average assets | 0.6721% | 2,803 |
| Noninterest expense to average assets | 3.2188% | 2,537 |
| Loan and lease loss provision to assets | 0.5617% | 1,034 |
| Net operating income to assets | 0.5089% | 4,790 |
| Return on assets (ROA) | 0.5089% | 5,002 |
| Pretax return on assets | 0.7681% | 4,540 |
| Return on Equity (ROE) | 4.8296% | 4,866 |
| Retained earnings to average equity (ytd only) | 4.8296% | 3,653 |
| Net charge-offs to loans | 0.2693% | 2,590 |
| Credit loss provision to net charge-offs | 300.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 7.1026% | 2,114 |
| Efficiency ratio | 70.7652% | 3,666 |
| Assets per employee ($millions) | 2.6597% | 6,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7840% | 3,045 |
| Loan loss allowance to noncurrent loans | 206.0576% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 1.3753% | 3,819 |
| Noncurrent loans to loans | 0.8658% | 4,938 |
| Net loans and leases to total assets | 67.1100% | 2,272 |
| Net loans and leases to deposits | 77.9823% | 2,511 |
| Net loans and leases to core deposits | 84.4389% | 2,492 |
| Total domestic deposits to total assets | 86.0580% | 3,497 |
| Equity capital to assets | 10.3496% | 3,672 |
| Core capital (leverage) ratio | 10.2898% | 3,005 |
| Tier 1 risk-based capital ratio | 14.5665% | 4,050 |
| Total risk-based capital ratio | 15.8233% | 4,002 |
| Memoranda: | ||
| Average total assets | $166,645,500 | 3,574 |
| Average earning assets | $154,528,000 | 3,543 |
| Average equity | $17,558,500 | 3,561 |
| Average total loans | $115,865,000 | 3,234 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2418% | 1,905 |
| Cost of funding earning assets | 1.0082% | 3,313 |
| Net interest margin | 4.2336% | 1,951 |
| Noninterest income to average assets | 0.6143% | 3,093 |
| Noninterest expense to average assets | 3.2346% | 2,746 |
| Loan and lease loss provision to assets | 0.5725% | 1,815 |
| Net operating income to assets | 0.4876% | 4,476 |
| Return on assets (ROA) | 0.5558% | 4,393 |
| Pretax return on assets | 0.8233% | 3,901 |
| Return on Equity (ROE) | 5.4556% | 4,163 |
| Retained earnings to average equity (ytd only) | 4.3364% | 3,098 |
| Net charge-offs to loans | 0.6329% | 2,562 |
| Credit loss provision to net charge-offs | 125.8530% | 2,481 |
| Earnings coverage of net charge-offs (x) | 2.8478% | 3,786 |
| Efficiency ratio | 71.4022% | 3,713 |
| Assets per employee ($millions) | 2.6302% | 6,685 |
| Cash dividends to net income (ytd only)* | 20.5156% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6626% | 3,326 |
| Loan loss allowance to noncurrent loans | 193.6428% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 1.5300% | 3,659 |
| Noncurrent loans to loans | 0.8586% | 4,971 |
| Net loans and leases to total assets | 69.6024% | 2,112 |
| Net loans and leases to deposits | 81.2953% | 2,308 |
| Net loans and leases to core deposits | 88.3724% | 2,338 |
| Total domestic deposits to total assets | 85.6168% | 3,526 |
| Equity capital to assets | 10.7315% | 3,271 |
| Core capital (leverage) ratio | 10.2939% | 2,980 |
| Tier 1 risk-based capital ratio | 14.2998% | 4,109 |
| Total risk-based capital ratio | 15.5466% | 4,076 |
| Memoranda: | ||
| Average total assets | $167,499,000 | 3,528 |
| Average earning assets | $154,926,800 | 3,494 |
| Average equity | $17,065,000 | 3,567 |
| Average total loans | $120,397,400 | 3,164 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3454% | 1,697 |
| Cost of funding earning assets | 1.0462% | 3,346 |
| Net interest margin | 4.2992% | 1,718 |
| Noninterest income to average assets | 0.5812% | 3,292 |
| Noninterest expense to average assets | 3.2683% | 2,605 |
| Loan and lease loss provision to assets | 0.5915% | 1,666 |
| Net operating income to assets | 0.4743% | 4,661 |
| Return on assets (ROA) | 0.5646% | 4,418 |
| Pretax return on assets | 0.8319% | 4,009 |
| Return on Equity (ROE) | 5.6143% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.2683% | 3,019 |
| Net charge-offs to loans | 0.6905% | 2,189 |
| Credit loss provision to net charge-offs | 118.7302% | 2,748 |
| Earnings coverage of net charge-offs (x) | 2.5905% | 3,819 |
| Efficiency ratio | 71.6912% | 3,618 |
| Assets per employee ($millions) | 2.6258% | 6,747 |
| Cash dividends to net income (ytd only)* | 6.1629% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 3,866 |
| Loan loss allowance to noncurrent loans | 4,485.3659% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.9396% | 4,874 |
| Noncurrent loans to loans | 0.0347% | 6,855 |
| Net loans and leases to total assets | 69.2855% | 2,223 |
| Net loans and leases to deposits | 80.5926% | 2,580 |
| Net loans and leases to core deposits | 87.6719% | 2,533 |
| Total domestic deposits to total assets | 85.9700% | 3,227 |
| Equity capital to assets | 10.4026% | 3,830 |
| Core capital (leverage) ratio | 10.0595% | 3,361 |
| Tier 1 risk-based capital ratio | 13.2793% | 4,892 |
| Total risk-based capital ratio | 14.5185% | 4,873 |
| Memoranda: | ||
| Average total assets | $168,605,750 | 3,543 |
| Average earning assets | $155,992,500 | 3,503 |
| Average equity | $16,956,250 | 3,593 |
| Average total loans | $121,641,500 | 3,171 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3600% | 1,689 |
| Cost of funding earning assets | 1.0864% | 3,341 |
| Net interest margin | 4.2737% | 1,755 |
| Noninterest income to average assets | 0.6019% | 3,128 |
| Noninterest expense to average assets | 3.2703% | 2,669 |
| Loan and lease loss provision to assets | 0.4100% | 2,383 |
| Net operating income to assets | 0.5853% | 4,129 |
| Return on assets (ROA) | 0.5853% | 4,260 |
| Pretax return on assets | 0.8745% | 3,740 |
| Return on Equity (ROE) | 5.8876% | 4,024 |
| Retained earnings to average equity (ytd only) | 5.3632% | 2,769 |
| Net charge-offs to loans | 0.0098% | 5,717 |
| Credit loss provision to net charge-offs | 5,766.6667% | 55 |
| Earnings coverage of net charge-offs (x) | 180.6667% | 205 |
| Efficiency ratio | 71.8002% | 3,781 |
| Assets per employee ($millions) | 2.6430% | 6,728 |
| Cash dividends to net income (ytd only)* | 8.9069% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6930% | 3,352 |
| Loan loss allowance to noncurrent loans | 1,873.6364% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.9216% | 5,026 |
| Noncurrent loans to loans | 0.0904% | 6,754 |
| Net loans and leases to total assets | 70.7511% | 2,062 |
| Net loans and leases to deposits | 83.5461% | 2,174 |
| Net loans and leases to core deposits | 90.7622% | 2,287 |
| Total domestic deposits to total assets | 84.6851% | 4,027 |
| Equity capital to assets | 10.1682% | 3,920 |
| Core capital (leverage) ratio | 9.8688% | 3,426 |
| Tier 1 risk-based capital ratio | 12.6628% | 5,212 |
| Total risk-based capital ratio | 13.9096% | 5,182 |
| Memoranda: | ||
| Average total assets | $168,789,670 | 3,558 |
| Average earning assets | $156,119,000 | 3,524 |
| Average equity | $16,781,000 | 3,611 |
| Average total loans | $122,763,330 | 3,176 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3968% | 1,571 |
| Cost of funding earning assets | 1.1260% | 3,321 |
| Net interest margin | 4.2707% | 1,666 |
| Noninterest income to average assets | 0.5694% | 3,371 |
| Noninterest expense to average assets | 3.3166% | 2,510 |
| Loan and lease loss provision to assets | 0.4365% | 2,020 |
| Net operating income to assets | 0.5172% | 4,420 |
| Return on assets (ROA) | 0.5172% | 4,503 |
| Pretax return on assets | 0.7663% | 4,035 |
| Return on Equity (ROE) | 5.2620% | 4,257 |
| Retained earnings to average equity (ytd only) | 5.2620% | 3,026 |
| Net charge-offs to loans | 0.1947% | 3,337 |
| Credit loss provision to net charge-offs | 306.6667% | 1,047 |
| Earnings coverage of net charge-offs (x) | 8.4500% | 1,823 |
| Efficiency ratio | 73.3858% | 3,625 |
| Assets per employee ($millions) | 2.6655% | 6,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5129% | 4,145 |
| Loan loss allowance to noncurrent loans | 8,026.0870% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.9948% | 4,917 |
| Noncurrent loans to loans | 0.0189% | 7,017 |
| Net loans and leases to total assets | 70.4419% | 2,047 |
| Net loans and leases to deposits | 81.7437% | 2,407 |
| Net loans and leases to core deposits | 88.2920% | 2,563 |
| Total domestic deposits to total assets | 86.1741% | 3,420 |
| Equity capital to assets | 9.7777% | 4,064 |
| Core capital (leverage) ratio | 9.7490% | 3,451 |
| Tier 1 risk-based capital ratio | 12.0610% | 5,633 |
| Total risk-based capital ratio | 13.3123% | 5,627 |
| Memoranda: | ||
| Average total assets | $168,607,000 | 3,577 |
| Average earning assets | $155,945,000 | 3,543 |
| Average equity | $16,571,500 | 3,625 |
| Average total loans | $123,275,000 | 3,190 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6324% | 1,791 |
| Cost of funding earning assets | 1.6139% | 1,989 |
| Net interest margin | 4.0185% | 2,933 |
| Noninterest income to average assets | 0.7691% | 2,429 |
| Noninterest expense to average assets | 3.3034% | 2,732 |
| Loan and lease loss provision to assets | 0.7073% | 2,319 |
| Net operating income to assets | 0.3262% | 4,846 |
| Return on assets (ROA) | 0.3262% | 5,000 |
| Pretax return on assets | 0.4658% | 4,743 |
| Return on Equity (ROE) | 3.5229% | 4,741 |
| Retained earnings to average equity (ytd only) | 3.5229% | 3,389 |
| Net charge-offs to loans | 0.7922% | 2,660 |
| Credit loss provision to net charge-offs | 123.8477% | 3,337 |
| Earnings coverage of net charge-offs (x) | 2.0541% | 4,188 |
| Efficiency ratio | 73.7952% | 3,443 |
| Assets per employee ($millions) | 2.7315% | 6,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3827% | 4,596 |
| Loan loss allowance to noncurrent loans | 1,537.5000% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.6944% | 5,616 |
| Noncurrent loans to loans | 0.0899% | 6,908 |
| Net loans and leases to total assets | 73.7080% | 1,717 |
| Net loans and leases to deposits | 85.8934% | 2,123 |
| Net loans and leases to core deposits | 90.7052% | 2,663 |
| Total domestic deposits to total assets | 85.8133% | 3,445 |
| Equity capital to assets | 9.8805% | 3,899 |
| Core capital (leverage) ratio | 9.6250% | 3,516 |
| Tier 1 risk-based capital ratio | 11.7854% | 5,663 |
| Total risk-based capital ratio | 13.0355% | 5,662 |
| Memoranda: | ||
| Average total assets | $174,758,400 | 3,456 |
| Average earning assets | $161,228,400 | 3,426 |
| Average equity | $16,180,000 | 3,723 |
| Average total loans | $125,970,800 | 3,200 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6043% | 2,043 |
| Cost of funding earning assets | 1.7057% | 1,850 |
| Net interest margin | 3.8987% | 3,530 |
| Noninterest income to average assets | 0.6667% | 3,033 |
| Noninterest expense to average assets | 3.2821% | 2,622 |
| Loan and lease loss provision to assets | 0.6833% | 2,232 |
| Net operating income to assets | 0.2134% | 5,470 |
| Return on assets (ROA) | 0.2134% | 5,633 |
| Pretax return on assets | 0.2971% | 5,521 |
| Return on Equity (ROE) | 2.3423% | 5,481 |
| Retained earnings to average equity (ytd only) | 2.3423% | 4,766 |
| Net charge-offs to loans | 0.8422% | 2,345 |
| Credit loss provision to net charge-offs | 113.5338% | 3,690 |
| Earnings coverage of net charge-offs (x) | 1.6291% | 4,495 |
| Efficiency ratio | 76.9993% | 2,762 |
| Assets per employee ($millions) | 2.7585% | 6,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 5,023 |
| Loan loss allowance to noncurrent loans | 238.1166% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 1.4414% | 4,293 |
| Noncurrent loans to loans | 0.5419% | 6,120 |
| Net loans and leases to total assets | 70.1174% | 2,708 |
| Net loans and leases to deposits | 81.3408% | 3,211 |
| Net loans and leases to core deposits | 85.2359% | 3,762 |
| Total domestic deposits to total assets | 86.2021% | 2,974 |
| Equity capital to assets | 9.5841% | 4,723 |
| Core capital (leverage) ratio | 8.9869% | 4,714 |
| Tier 1 risk-based capital ratio | 11.6413% | 5,797 |
| Total risk-based capital ratio | 12.8034% | 5,867 |
| Memoranda: | ||
| Average total assets | $176,792,750 | 3,468 |
| Average earning assets | $163,060,500 | 3,438 |
| Average equity | $16,109,250 | 3,792 |
| Average total loans | $126,329,750 | 3,244 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6187% | 2,067 |
| Cost of funding earning assets | 1.7486% | 1,873 |
| Net interest margin | 3.8701% | 3,587 |
| Noninterest income to average assets | 0.6164% | 3,217 |
| Noninterest expense to average assets | 3.2689% | 2,662 |
| Loan and lease loss provision to assets | 0.7863% | 1,828 |
| Net operating income to assets | 0.0956% | 5,876 |
| Return on assets (ROA) | 0.0956% | 5,993 |
| Pretax return on assets | 0.1215% | 5,935 |
| Return on Equity (ROE) | 1.0674% | 5,935 |
| Retained earnings to average equity (ytd only) | 1.0674% | 5,337 |
| Net charge-offs to loans | 1.1093% | 1,706 |
| Credit loss provision to net charge-offs | 99.0085% | 4,151 |
| Earnings coverage of net charge-offs (x) | 1.1431% | 4,647 |
| Efficiency ratio | 78.2656% | 2,682 |
| Assets per employee ($millions) | 2.9293% | 6,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 5,583 |
| Loan loss allowance to noncurrent loans | 86.2230% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 2.1680% | 3,299 |
| Noncurrent loans to loans | 1.3609% | 4,673 |
| Net loans and leases to total assets | 69.6165% | 2,986 |
| Net loans and leases to deposits | 80.6874% | 3,485 |
| Net loans and leases to core deposits | 84.2882% | 4,100 |
| Total domestic deposits to total assets | 86.2793% | 2,936 |
| Equity capital to assets | 9.0108% | 5,431 |
| Core capital (leverage) ratio | 8.8182% | 4,885 |
| Tier 1 risk-based capital ratio | 11.4246% | 5,848 |
| Total risk-based capital ratio | 11.9941% | 6,475 |
| Memoranda: | ||
| Average total assets | $177,794,670 | 3,470 |
| Average earning assets | $163,561,000 | 3,453 |
| Average equity | $15,927,000 | 3,814 |
| Average total loans | $127,290,330 | 3,252 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7393% | 1,641 |
| Cost of funding earning assets | 1.7994% | 1,876 |
| Net interest margin | 3.9399% | 3,151 |
| Noninterest income to average assets | 0.6360% | 3,033 |
| Noninterest expense to average assets | 3.0629% | 3,423 |
| Loan and lease loss provision to assets | 1.0037% | 1,242 |
| Net operating income to assets | 0.1782% | 5,763 |
| Return on assets (ROA) | 0.1782% | 5,890 |
| Pretax return on assets | 0.1895% | 5,902 |
| Return on Equity (ROE) | 1.9949% | 5,762 |
| Retained earnings to average equity (ytd only) | 1.9949% | 4,935 |
| Net charge-offs to loans | 1.9656% | 875 |
| Credit loss provision to net charge-offs | 70.7472% | 4,084 |
| Earnings coverage of net charge-offs (x) | 0.8410% | 4,294 |
| Efficiency ratio | 71.9661% | 3,938 |
| Assets per employee ($millions) | 2.8464% | 6,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 6,358 |
| Loan loss allowance to noncurrent loans | 155.1313% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 1.6573% | 3,983 |
| Noncurrent loans to loans | 0.6579% | 6,004 |
| Net loans and leases to total assets | 70.3029% | 2,859 |
| Net loans and leases to deposits | 81.3093% | 3,405 |
| Net loans and leases to core deposits | 84.9111% | 4,072 |
| Total domestic deposits to total assets | 86.4636% | 2,915 |
| Equity capital to assets | 8.8672% | 5,453 |
| Core capital (leverage) ratio | 8.9139% | 4,711 |
| Tier 1 risk-based capital ratio | 10.8349% | 6,307 |
| Total risk-based capital ratio | 11.7296% | 6,645 |
| Memoranda: | ||
| Average total assets | $177,349,000 | 3,537 |
| Average earning assets | $162,946,500 | 3,511 |
| Average equity | $15,840,000 | 3,858 |
| Average total loans | $127,999,500 | 3,300 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2251% | 1,175 |
| Cost of funding earning assets | 2.0251% | 2,846 |
| Net interest margin | 4.2000% | 2,060 |
| Noninterest income to average assets | 0.6043% | 3,594 |
| Noninterest expense to average assets | 3.4420% | 2,549 |
| Loan and lease loss provision to assets | 0.4357% | 4,215 |
| Net operating income to assets | 0.3965% | 4,146 |
| Return on assets (ROA) | 0.3965% | 4,243 |
| Pretax return on assets | 0.5830% | 3,952 |
| Return on Equity (ROE) | 4.4155% | 3,920 |
| Retained earnings to average equity (ytd only) | 4.4155% | 2,156 |
| Net charge-offs to loans | 0.6682% | 3,183 |
| Credit loss provision to net charge-offs | 86.8119% | 6,106 |
| Earnings coverage of net charge-offs (x) | 2.0298% | 4,204 |
| Efficiency ratio | 77.1642% | 3,335 |
| Assets per employee ($millions) | 2.6572% | 6,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 5,625 |
| Loan loss allowance to noncurrent loans | 489.7690% | 676 |
| Noncurrent assets plus other real estate owned to assets | 1.5304% | 4,084 |
| Noncurrent loans to loans | 0.2356% | 6,843 |
| Net loans and leases to total assets | 72.4993% | 2,635 |
| Net loans and leases to deposits | 84.0384% | 3,263 |
| Net loans and leases to core deposits | 104.0015% | 3,577 |
| Total domestic deposits to total assets | 86.2693% | 2,879 |
| Equity capital to assets | 8.9973% | 5,152 |
| Core capital (leverage) ratio | 9.0782% | 4,289 |
| Tier 1 risk-based capital ratio | 11.6621% | 5,237 |
| Total risk-based capital ratio | 12.7668% | 5,339 |
| Memoranda: | ||
| Average total assets | $173,763,000 | 3,541 |
| Average earning assets | $159,548,800 | 3,530 |
| Average equity | $15,604,000 | 3,944 |
| Average total loans | $130,501,600 | 3,260 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2704% | 1,198 |
| Cost of funding earning assets | 2.0714% | 3,027 |
| Net interest margin | 4.1990% | 2,067 |
| Noninterest income to average assets | 0.6891% | 3,096 |
| Noninterest expense to average assets | 3.4440% | 2,439 |
| Loan and lease loss provision to assets | 0.2369% | 5,072 |
| Net operating income to assets | 0.5807% | 3,675 |
| Return on assets (ROA) | 0.5807% | 3,746 |
| Pretax return on assets | 0.8637% | 3,343 |
| Return on Equity (ROE) | 6.4693% | 3,314 |
| Retained earnings to average equity (ytd only) | 6.4693% | 1,725 |
| Net charge-offs to loans | 0.3634% | 3,833 |
| Credit loss provision to net charge-offs | 86.2745% | 5,585 |
| Earnings coverage of net charge-offs (x) | 4.0084% | 3,302 |
| Efficiency ratio | 75.7827% | 3,550 |
| Assets per employee ($millions) | 2.5898% | 7,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 5,189 |
| Loan loss allowance to noncurrent loans | 192.5466% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 1.3053% | 4,470 |
| Noncurrent loans to loans | 0.6158% | 6,075 |
| Net loans and leases to total assets | 74.4469% | 2,398 |
| Net loans and leases to deposits | 87.5296% | 3,051 |
| Net loans and leases to core deposits | 108.1766% | 3,450 |
| Total domestic deposits to total assets | 85.0533% | 3,212 |
| Equity capital to assets | 9.1893% | 5,184 |
| Core capital (leverage) ratio | 9.0243% | 4,612 |
| Tier 1 risk-based capital ratio | 11.2028% | 5,749 |
| Total risk-based capital ratio | 12.3067% | 5,852 |
| Memoranda: | ||
| Average total assets | $173,360,250 | 3,569 |
| Average earning assets | $159,178,500 | 3,564 |
| Average equity | $15,560,250 | 3,991 |
| Average total loans | $130,969,750 | 3,284 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3069% | 1,193 |
| Cost of funding earning assets | 2.1287% | 3,139 |
| Net interest margin | 4.1782% | 2,068 |
| Noninterest income to average assets | 0.6959% | 3,014 |
| Noninterest expense to average assets | 3.4240% | 2,556 |
| Loan and lease loss provision to assets | 0.2320% | 4,728 |
| Net operating income to assets | 0.5562% | 3,853 |
| Return on assets (ROA) | 0.5562% | 3,969 |
| Pretax return on assets | 0.8701% | 3,445 |
| Return on Equity (ROE) | 6.2468% | 3,537 |
| Retained earnings to average equity (ytd only) | 6.2468% | 1,910 |
| Net charge-offs to loans | -0.0061% | 7,548 |
| Credit loss provision to net charge-offs | -5,025.0000% | 7,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6502% | 3,752 |
| Assets per employee ($millions) | 2.5913% | 7,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 3,836 |
| Loan loss allowance to noncurrent loans | 314.6597% | 996 |
| Noncurrent assets plus other real estate owned to assets | 1.1721% | 4,599 |
| Noncurrent loans to loans | 0.4385% | 6,425 |
| Net loans and leases to total assets | 74.2347% | 2,643 |
| Net loans and leases to deposits | 86.7298% | 3,407 |
| Net loans and leases to core deposits | 106.5043% | 3,774 |
| Total domestic deposits to total assets | 85.5930% | 2,964 |
| Equity capital to assets | 9.0008% | 5,317 |
| Core capital (leverage) ratio | 8.7444% | 5,012 |
| Tier 1 risk-based capital ratio | 11.8227% | 5,080 |
| Total risk-based capital ratio | 13.0800% | 4,991 |
| Memoranda: | ||
| Average total assets | $173,308,000 | 3,579 |
| Average earning assets | $158,874,000 | 3,582 |
| Average equity | $15,432,000 | 4,029 |
| Average total loans | $131,050,330 | 3,319 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2159% | 1,551 |
| Cost of funding earning assets | 2.1718% | 3,311 |
| Net interest margin | 4.0441% | 2,471 |
| Noninterest income to average assets | 0.5775% | 3,708 |
| Noninterest expense to average assets | 3.2896% | 2,690 |
| Loan and lease loss provision to assets | 0.2287% | 4,158 |
| Net operating income to assets | 0.5429% | 4,249 |
| Return on assets (ROA) | 0.5429% | 4,431 |
| Pretax return on assets | 0.8016% | 4,070 |
| Return on Equity (ROE) | 6.1300% | 3,986 |
| Retained earnings to average equity (ytd only) | 6.1300% | 2,572 |
| Net charge-offs to loans | -0.0732% | 7,804 |
| Credit loss provision to net charge-offs | -412.5000% | 6,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1497% | 3,463 |
| Assets per employee ($millions) | 2.5820% | 7,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 4,035 |
| Loan loss allowance to noncurrent loans | 221.6216% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 1.2528% | 4,168 |
| Noncurrent loans to loans | 0.5897% | 5,920 |
| Net loans and leases to total assets | 72.9943% | 3,003 |
| Net loans and leases to deposits | 84.8449% | 3,844 |
| Net loans and leases to core deposits | 107.0320% | 3,790 |
| Total domestic deposits to total assets | 86.0327% | 2,701 |
| Equity capital to assets | 8.6956% | 5,770 |
| Core capital (leverage) ratio | 8.6697% | 5,211 |
| Tier 1 risk-based capital ratio | 10.6240% | 6,268 |
| Total risk-based capital ratio | 11.8267% | 6,232 |
| Memoranda: | ||
| Average total assets | $173,153,500 | 3,602 |
| Average earning assets | $160,234,000 | 3,564 |
| Average equity | $15,334,500 | 4,076 |
| Average total loans | $131,232,000 | 3,336 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0504% | 1,009 |
| Cost of funding earning assets | 2.6894% | 3,212 |
| Net interest margin | 4.3610% | 1,789 |
| Noninterest income to average assets | 0.7103% | 3,052 |
| Noninterest expense to average assets | 3.5982% | 2,150 |
| Loan and lease loss provision to assets | 0.2682% | 4,252 |
| Net operating income to assets | 0.5824% | 4,385 |
| Return on assets (ROA) | 0.5824% | 4,250 |
| Pretax return on assets | 0.8825% | 3,783 |
| Return on Equity (ROE) | 6.4443% | 3,780 |
| Retained earnings to average equity (ytd only) | 5.8005% | 1,621 |
| Net charge-offs to loans | 0.5038% | 2,347 |
| Credit loss provision to net charge-offs | 69.9545% | 6,075 |
| Earnings coverage of net charge-offs (x) | 3.0015% | 4,585 |
| Efficiency ratio | 75.7687% | 3,274 |
| Assets per employee ($millions) | 2.4728% | 7,253 |
| Cash dividends to net income (ytd only)* | 9.9900% | 4,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 4,354 |
| Loan loss allowance to noncurrent loans | 331.0559% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 1.3690% | 3,456 |
| Noncurrent loans to loans | 0.3696% | 6,253 |
| Net loans and leases to total assets | 76.7758% | 2,435 |
| Net loans and leases to deposits | 95.4867% | 2,531 |
| Net loans and leases to core deposits | 118.6684% | 2,818 |
| Total domestic deposits to total assets | 80.4048% | 4,868 |
| Equity capital to assets | 9.0260% | 5,339 |
| Core capital (leverage) ratio | 8.8584% | 4,961 |
| Tier 1 risk-based capital ratio | 11.4430% | 5,294 |
| Total risk-based capital ratio | 12.6646% | 5,225 |
| Memoranda: | ||
| Average total assets | $171,889,200 | 3,521 |
| Average earning assets | $159,182,000 | 3,486 |
| Average equity | $15,533,200 | 4,018 |
| Average total loans | $130,813,800 | 3,257 |