Home > Farmers and Miners Bank > Performance and Condition Ratios
Farmers and Miners Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1760% | 1,712 |
| Cost of funding earning assets | 0.5743% | 4,108 |
| Net interest margin | 4.6017% | 524 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 3.2866% | 751 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.2727% | 1,485 |
| Return on assets (ROA) | 1.2795% | 1,444 |
| Pretax return on assets | 1.5921% | 1,249 |
| Return on Equity (ROE) | 11.1100% | 2,195 |
| Retained earnings to average equity (ytd only) | 6.1991% | 2,175 |
| Net charge-offs to loans | 0.0807% | 1,052 |
| Credit loss provision to net charge-offs | 179.1045% | 1,320 |
| Earnings coverage of net charge-offs (x) | 43.8507% | 1,383 |
| Efficiency ratio | 66.4267% | 2,294 |
| Assets per employee ($millions) | 3.3842% | 4,315 |
| Cash dividends to net income (ytd only)* | 44.1891% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7268% | 622 |
| Loan loss allowance to noncurrent loans | 329.3065% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 1,941 |
| Noncurrent loans to loans | 0.5244% | 1,480 |
| Net loans and leases to total assets | 47.6000% | 3,748 |
| Net loans and leases to deposits | 54.3887% | 3,771 |
| Net loans and leases to core deposits | 57.7203% | 3,845 |
| Total domestic deposits to total assets | 87.5200% | 1,511 |
| Equity capital to assets | 12.0537% | 1,110 |
| Core capital (leverage) ratio | 14.2470% | 751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $176,871,600 | 3,152 |
| Average earning assets | $169,069,200 | 3,099 |
| Average equity | $20,374,000 | 2,829 |
| Average total loans | $83,033,600 | 3,369 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0146% | 1,798 |
| Cost of funding earning assets | 0.4968% | 4,141 |
| Net interest margin | 4.5178% | 599 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 3.1854% | 838 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.2642% | 1,620 |
| Return on assets (ROA) | 1.2731% | 1,594 |
| Pretax return on assets | 1.6134% | 1,321 |
| Return on Equity (ROE) | 11.1800% | 2,329 |
| Retained earnings to average equity (ytd only) | 8.2056% | 1,888 |
| Net charge-offs to loans | 0.0841% | 882 |
| Credit loss provision to net charge-offs | 173.0769% | 1,219 |
| Earnings coverage of net charge-offs (x) | 43.0577% | 1,404 |
| Efficiency ratio | 65.3941% | 2,344 |
| Assets per employee ($millions) | 3.4724% | 4,331 |
| Cash dividends to net income (ytd only)* | 26.6115% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7446% | 640 |
| Loan loss allowance to noncurrent loans | 271.8284% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 1,800 |
| Noncurrent loans to loans | 0.6418% | 1,275 |
| Net loans and leases to total assets | 46.3400% | 3,815 |
| Net loans and leases to deposits | 52.8388% | 3,847 |
| Net loans and leases to core deposits | 55.9147% | 3,859 |
| Total domestic deposits to total assets | 87.6900% | 1,670 |
| Equity capital to assets | 11.7567% | 1,108 |
| Core capital (leverage) ratio | 14.2750% | 760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $177,094,750 | 3,155 |
| Average earning assets | $169,075,500 | 3,109 |
| Average equity | $20,164,500 | 2,833 |
| Average total loans | $82,481,500 | 3,387 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8315% | 1,925 |
| Cost of funding earning assets | 0.4139% | 4,141 |
| Net interest margin | 4.4177% | 686 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 3.0684% | 941 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.2931% | 1,588 |
| Return on assets (ROA) | 1.3021% | 1,551 |
| Pretax return on assets | 1.6364% | 1,346 |
| Return on Equity (ROE) | 11.5600% | 2,283 |
| Retained earnings to average equity (ytd only) | 8.5531% | 1,802 |
| Net charge-offs to loans | 0.0828% | 768 |
| Credit loss provision to net charge-offs | 173.5294% | 1,111 |
| Earnings coverage of net charge-offs (x) | 44.7059% | 1,343 |
| Efficiency ratio | 64.1256% | 2,474 |
| Assets per employee ($millions) | 3.3902% | 4,369 |
| Cash dividends to net income (ytd only)* | 26.0191% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6988% | 754 |
| Loan loss allowance to noncurrent loans | 330.4348% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 1,964 |
| Noncurrent loans to loans | 0.5141% | 1,431 |
| Net loans and leases to total assets | 47.4000% | 3,718 |
| Net loans and leases to deposits | 53.7932% | 3,756 |
| Net loans and leases to core deposits | 56.9507% | 3,772 |
| Total domestic deposits to total assets | 88.1100% | 1,563 |
| Equity capital to assets | 11.5351% | 1,195 |
| Core capital (leverage) ratio | 14.6412% | 643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $177,096,333 | 3,167 |
| Average earning assets | $169,139,000 | 3,116 |
| Average equity | $19,946,000 | 2,871 |
| Average total loans | $82,137,333 | 3,389 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 2,088 |
| Cost of funding earning assets | 0.3092% | 4,172 |
| Net interest margin | 4.2891% | 820 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.9206% | 1,196 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.3413% | 1,564 |
| Return on assets (ROA) | 1.3431% | 1,531 |
| Pretax return on assets | 1.6608% | 1,355 |
| Return on Equity (ROE) | 12.0700% | 2,201 |
| Retained earnings to average equity (ytd only) | 9.0322% | 1,942 |
| Net charge-offs to loans | 0.0942% | 615 |
| Credit loss provision to net charge-offs | 157.8947% | 925 |
| Earnings coverage of net charge-offs (x) | 40.7368% | 1,183 |
| Efficiency ratio | 62.6087% | 2,623 |
| Assets per employee ($millions) | 3.4577% | 4,416 |
| Cash dividends to net income (ytd only)* | 25.1678% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7322% | 753 |
| Loan loss allowance to noncurrent loans | 547.8927% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 2,472 |
| Noncurrent loans to loans | 0.3161% | 2,011 |
| Net loans and leases to total assets | 45.1200% | 3,818 |
| Net loans and leases to deposits | 51.0525% | 3,843 |
| Net loans and leases to core deposits | 53.7340% | 3,845 |
| Total domestic deposits to total assets | 88.3800% | 1,783 |
| Equity capital to assets | 11.1873% | 1,272 |
| Core capital (leverage) ratio | 14.6043% | 639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $177,500,500 | 3,199 |
| Average earning assets | $169,453,000 | 3,149 |
| Average equity | $19,751,500 | 2,913 |
| Average total loans | $80,705,000 | 3,439 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8354% | 2,181 |
| Cost of funding earning assets | 0.0960% | 4,411 |
| Net interest margin | 3.7394% | 1,288 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 3.0791% | 864 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8551% | 3,130 |
| Return on assets (ROA) | 0.8657% | 3,028 |
| Pretax return on assets | 1.0765% | 2,844 |
| Return on Equity (ROE) | 7.6800% | 3,466 |
| Retained earnings to average equity (ytd only) | 3.0829% | 3,693 |
| Net charge-offs to loans | 0.0853% | 812 |
| Credit loss provision to net charge-offs | 107.4627% | 1,518 |
| Earnings coverage of net charge-offs (x) | 28.6269% | 1,711 |
| Efficiency ratio | 73.5958% | 1,261 |
| Assets per employee ($millions) | 3.2444% | 4,495 |
| Cash dividends to net income (ytd only)* | 59.8802% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7995% | 664 |
| Loan loss allowance to noncurrent loans | 541.6031% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 2,464 |
| Noncurrent loans to loans | 0.3323% | 1,962 |
| Net loans and leases to total assets | 44.2000% | 3,883 |
| Net loans and leases to deposits | 49.8340% | 3,903 |
| Net loans and leases to core deposits | 52.2348% | 3,906 |
| Total domestic deposits to total assets | 88.6900% | 1,817 |
| Equity capital to assets | 11.0663% | 1,231 |
| Core capital (leverage) ratio | 14.4332% | 650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $173,620,000 | 3,245 |
| Average earning assets | $166,605,000 | 3,191 |
| Average equity | $19,559,400 | 2,989 |
| Average total loans | $78,515,600 | 3,432 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6702% | 2,128 |
| Cost of funding earning assets | 0.0754% | 4,453 |
| Net interest margin | 3.5948% | 1,401 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 3.0911% | 799 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.7794% | 3,328 |
| Return on assets (ROA) | 0.7859% | 3,264 |
| Pretax return on assets | 0.9359% | 3,220 |
| Return on Equity (ROE) | 6.9400% | 3,605 |
| Retained earnings to average equity (ytd only) | 3.8838% | 3,481 |
| Net charge-offs to loans | 0.0731% | 783 |
| Credit loss provision to net charge-offs | 125.5814% | 1,195 |
| Earnings coverage of net charge-offs (x) | 29.3023% | 1,529 |
| Efficiency ratio | 76.1183% | 1,067 |
| Assets per employee ($millions) | 3.4128% | 4,498 |
| Cash dividends to net income (ytd only)* | 44.0744% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7809% | 756 |
| Loan loss allowance to noncurrent loans | 653.6697% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 2,736 |
| Noncurrent loans to loans | 0.2724% | 2,283 |
| Net loans and leases to total assets | 43.4500% | 3,911 |
| Net loans and leases to deposits | 48.7952% | 3,921 |
| Net loans and leases to core deposits | 50.8002% | 3,911 |
| Total domestic deposits to total assets | 89.0400% | 2,075 |
| Equity capital to assets | 10.6065% | 1,330 |
| Core capital (leverage) ratio | 13.8960% | 703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $173,225,250 | 3,268 |
| Average earning assets | $166,237,500 | 3,213 |
| Average equity | $19,602,250 | 3,025 |
| Average total loans | $78,431,000 | 3,449 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5801% | 1,904 |
| Cost of funding earning assets | 0.0720% | 4,445 |
| Net interest margin | 3.5081% | 1,293 |
| Noninterest income to average assets | 0.6293% | 1,623 |
| Noninterest expense to average assets | 3.1335% | 694 |
| Loan and lease loss provision to assets | 0.0422% | 1,812 |
| Net operating income to assets | 0.6894% | 3,343 |
| Return on assets (ROA) | 0.6972% | 3,273 |
| Pretax return on assets | 0.8332% | 3,245 |
| Return on Equity (ROE) | 6.0280% | 3,566 |
| Retained earnings to average equity (ytd only) | 2.9887% | 3,451 |
| Net charge-offs to loans | 0.0950% | 608 |
| Credit loss provision to net charge-offs | 97.2973% | 1,315 |
| Earnings coverage of net charge-offs (x) | 19.9730% | 1,553 |
| Efficiency ratio | 78.3475% | 1,065 |
| Assets per employee ($millions) | 3.2319% | 4,591 |
| Cash dividends to net income (ytd only)* | 50.4202% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 667 |
| Loan loss allowance to noncurrent loans | 543.4615% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 2,539 |
| Noncurrent loans to loans | 0.3487% | 2,105 |
| Net loans and leases to total assets | 41.9172% | 3,977 |
| Net loans and leases to deposits | 47.3281% | 3,964 |
| Net loans and leases to core deposits | 49.5711% | 3,955 |
| Total domestic deposits to total assets | 88.5673% | 2,345 |
| Equity capital to assets | 11.1652% | 1,146 |
| Core capital (leverage) ratio | 13.9011% | 648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,673,667 | 3,330 |
| Average earning assets | $163,964,000 | 3,278 |
| Average equity | $19,741,333 | 3,091 |
| Average total loans | $77,902,667 | 3,486 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6751% | 1,328 |
| Cost of funding earning assets | 0.0717% | 4,432 |
| Net interest margin | 3.6034% | 887 |
| Noninterest income to average assets | 0.6542% | 1,472 |
| Noninterest expense to average assets | 3.2048% | 602 |
| Loan and lease loss provision to assets | 0.0427% | 1,591 |
| Net operating income to assets | 0.7187% | 2,989 |
| Return on assets (ROA) | 0.7325% | 2,909 |
| Pretax return on assets | 0.8794% | 2,858 |
| Return on Equity (ROE) | 6.2207% | 3,282 |
| Retained earnings to average equity (ytd only) | 3.2010% | 3,195 |
| Net charge-offs to loans | 0.0553% | 746 |
| Credit loss provision to net charge-offs | 163.6364% | 834 |
| Earnings coverage of net charge-offs (x) | 34.7273% | 1,073 |
| Efficiency ratio | 77.9700% | 1,317 |
| Assets per employee ($millions) | 3.1425% | 4,635 |
| Cash dividends to net income (ytd only)* | 48.5437% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8495% | 808 |
| Loan loss allowance to noncurrent loans | 472.0930% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 2,461 |
| Noncurrent loans to loans | 0.3918% | 2,082 |
| Net loans and leases to total assets | 44.4374% | 3,711 |
| Net loans and leases to deposits | 50.4732% | 3,699 |
| Net loans and leases to core deposits | 52.9331% | 3,668 |
| Total domestic deposits to total assets | 88.0416% | 2,505 |
| Equity capital to assets | 11.6001% | 1,092 |
| Core capital (leverage) ratio | 13.2402% | 720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,748,000 | 3,358 |
| Average earning assets | $161,846,000 | 3,308 |
| Average equity | $19,869,000 | 3,159 |
| Average total loans | $79,569,500 | 3,465 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 968 |
| Cost of funding earning assets | 0.1019% | 4,373 |
| Net interest margin | 4.1134% | 578 |
| Noninterest income to average assets | 0.6308% | 2,021 |
| Noninterest expense to average assets | 3.2694% | 658 |
| Loan and lease loss provision to assets | 0.2119% | 495 |
| Net operating income to assets | 0.8863% | 3,095 |
| Return on assets (ROA) | 0.9045% | 3,091 |
| Pretax return on assets | 1.1226% | 2,897 |
| Return on Equity (ROE) | 7.2364% | 3,449 |
| Retained earnings to average equity (ytd only) | 2.7479% | 3,745 |
| Net charge-offs to loans | 0.0945% | 887 |
| Credit loss provision to net charge-offs | 465.7534% | 831 |
| Earnings coverage of net charge-offs (x) | 28.8356% | 1,633 |
| Efficiency ratio | 71.3605% | 1,578 |
| Assets per employee ($millions) | 3.0509% | 4,683 |
| Cash dividends to net income (ytd only)* | 62.0262% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7179% | 1,014 |
| Loan loss allowance to noncurrent loans | 270.8812% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 1,852 |
| Noncurrent loans to loans | 0.6342% | 1,570 |
| Net loans and leases to total assets | 48.2095% | 3,483 |
| Net loans and leases to deposits | 54.8906% | 3,527 |
| Net loans and leases to core deposits | 57.6023% | 3,507 |
| Total domestic deposits to total assets | 87.8283% | 2,133 |
| Equity capital to assets | 11.9506% | 1,271 |
| Core capital (leverage) ratio | 13.3323% | 721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,425,400 | 3,388 |
| Average earning assets | $154,081,800 | 3,332 |
| Average equity | $20,051,400 | 3,215 |
| Average total loans | $77,262,800 | 3,519 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3778% | 842 |
| Cost of funding earning assets | 0.1077% | 4,441 |
| Net interest margin | 4.2701% | 484 |
| Noninterest income to average assets | 0.6423% | 2,044 |
| Noninterest expense to average assets | 3.2294% | 683 |
| Loan and lease loss provision to assets | 0.0504% | 1,986 |
| Net operating income to assets | 1.1712% | 2,270 |
| Return on assets (ROA) | 1.1880% | 2,265 |
| Pretax return on assets | 1.4856% | 2,033 |
| Return on Equity (ROE) | 9.3958% | 2,967 |
| Retained earnings to average equity (ytd only) | 6.4035% | 2,647 |
| Net charge-offs to loans | 0.1070% | 708 |
| Credit loss provision to net charge-offs | 98.3607% | 1,617 |
| Earnings coverage of net charge-offs (x) | 29.5410% | 1,533 |
| Efficiency ratio | 68.0666% | 1,823 |
| Assets per employee ($millions) | 3.1196% | 4,735 |
| Cash dividends to net income (ytd only)* | 31.8471% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 2,074 |
| Loan loss allowance to noncurrent loans | 222.5243% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 2,063 |
| Noncurrent loans to loans | 0.6231% | 1,750 |
| Net loans and leases to total assets | 49.2987% | 3,494 |
| Net loans and leases to deposits | 56.5150% | 3,529 |
| Net loans and leases to core deposits | 59.3705% | 3,522 |
| Total domestic deposits to total assets | 87.2312% | 2,253 |
| Equity capital to assets | 12.4337% | 1,207 |
| Core capital (leverage) ratio | 13.2776% | 780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,582,000 | 3,445 |
| Average earning assets | $152,341,750 | 3,387 |
| Average equity | $20,051,000 | 3,249 |
| Average total loans | $76,001,250 | 3,596 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3124% | 985 |
| Cost of funding earning assets | 0.1161% | 4,468 |
| Net interest margin | 4.1963% | 587 |
| Noninterest income to average assets | 0.6589% | 1,971 |
| Noninterest expense to average assets | 3.2278% | 685 |
| Loan and lease loss provision to assets | 0.0384% | 2,228 |
| Net operating income to assets | 1.1418% | 2,398 |
| Return on assets (ROA) | 1.1501% | 2,423 |
| Pretax return on assets | 1.4252% | 2,256 |
| Return on Equity (ROE) | 9.0434% | 3,086 |
| Retained earnings to average equity (ytd only) | 6.0256% | 2,792 |
| Net charge-offs to loans | 0.1111% | 691 |
| Credit loss provision to net charge-offs | 73.1707% | 1,510 |
| Earnings coverage of net charge-offs (x) | 27.7073% | 1,356 |
| Efficiency ratio | 68.9533% | 1,767 |
| Assets per employee ($millions) | 3.0546% | 4,775 |
| Cash dividends to net income (ytd only)* | 33.3704% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 1,903 |
| Loan loss allowance to noncurrent loans | 197.2222% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 2,108 |
| Noncurrent loans to loans | 0.7185% | 1,645 |
| Net loans and leases to total assets | 48.8180% | 3,659 |
| Net loans and leases to deposits | 55.9859% | 3,711 |
| Net loans and leases to core deposits | 58.6381% | 3,716 |
| Total domestic deposits to total assets | 87.1971% | 2,219 |
| Equity capital to assets | 12.4755% | 1,141 |
| Core capital (leverage) ratio | 13.1400% | 768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,329,000 | 3,467 |
| Average earning assets | $149,845,333 | 3,418 |
| Average equity | $19,882,000 | 3,257 |
| Average total loans | $73,782,667 | 3,657 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0245% | 1,561 |
| Cost of funding earning assets | 0.1311% | 4,452 |
| Net interest margin | 3.8934% | 997 |
| Noninterest income to average assets | 0.6903% | 1,897 |
| Noninterest expense to average assets | 3.2589% | 641 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9505% | 2,970 |
| Return on assets (ROA) | 0.9613% | 3,020 |
| Pretax return on assets | 1.1566% | 2,964 |
| Return on Equity (ROE) | 7.4831% | 3,474 |
| Retained earnings to average equity (ytd only) | 4.4412% | 3,381 |
| Net charge-offs to loans | 0.1417% | 533 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 17.5600% | 1,297 |
| Efficiency ratio | 74.0237% | 1,309 |
| Assets per employee ($millions) | 2.9849% | 4,822 |
| Cash dividends to net income (ytd only)* | 40.6504% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5193% | 1,541 |
| Loan loss allowance to noncurrent loans | 185.1485% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 2,193 |
| Noncurrent loans to loans | 0.8206% | 1,628 |
| Net loans and leases to total assets | 45.9732% | 3,958 |
| Net loans and leases to deposits | 52.8147% | 4,010 |
| Net loans and leases to core deposits | 55.3796% | 4,017 |
| Total domestic deposits to total assets | 87.0462% | 2,295 |
| Equity capital to assets | 12.5170% | 1,075 |
| Core capital (leverage) ratio | 13.2550% | 788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,547,000 | 3,495 |
| Average earning assets | $146,403,000 | 3,458 |
| Average equity | $19,724,500 | 3,265 |
| Average total loans | $70,589,500 | 3,722 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3836% | 1,633 |
| Cost of funding earning assets | 0.3047% | 4,110 |
| Net interest margin | 4.0789% | 827 |
| Noninterest income to average assets | 0.6555% | 2,001 |
| Noninterest expense to average assets | 3.5971% | 600 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7511% | 3,259 |
| Return on assets (ROA) | 0.7546% | 3,379 |
| Pretax return on assets | 0.9274% | 3,291 |
| Return on Equity (ROE) | 5.5396% | 3,731 |
| Retained earnings to average equity (ytd only) | 2.4448% | 3,635 |
| Net charge-offs to loans | 0.1064% | 1,409 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 18.7714% | 2,008 |
| Efficiency ratio | 79.5772% | 918 |
| Assets per employee ($millions) | 2.8093% | 4,854 |
| Cash dividends to net income (ytd only)* | 55.8659% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7036% | 1,028 |
| Loan loss allowance to noncurrent loans | 140.7362% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.6051% | 1,745 |
| Noncurrent loans to loans | 1.2105% | 1,153 |
| Net loans and leases to total assets | 44.4480% | 4,225 |
| Net loans and leases to deposits | 51.3828% | 4,252 |
| Net loans and leases to core deposits | 54.0518% | 4,254 |
| Total domestic deposits to total assets | 86.5037% | 2,148 |
| Equity capital to assets | 13.1954% | 1,025 |
| Core capital (leverage) ratio | 13.2288% | 841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,335,800 | 3,487 |
| Average earning assets | $134,866,400 | 3,448 |
| Average equity | $19,387,800 | 3,245 |
| Average total loans | $65,818,600 | 3,816 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4063% | 1,836 |
| Cost of funding earning assets | 0.3407% | 4,103 |
| Net interest margin | 4.0656% | 958 |
| Noninterest income to average assets | 0.6567% | 1,959 |
| Noninterest expense to average assets | 3.6588% | 573 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6736% | 3,551 |
| Return on assets (ROA) | 0.6766% | 3,647 |
| Pretax return on assets | 0.8462% | 3,526 |
| Return on Equity (ROE) | 4.9266% | 3,914 |
| Retained earnings to average equity (ytd only) | 1.8216% | 3,995 |
| Net charge-offs to loans | 0.1141% | 1,209 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 15.8750% | 2,083 |
| Efficiency ratio | 81.2842% | 772 |
| Assets per employee ($millions) | 2.8680% | 4,869 |
| Cash dividends to net income (ytd only)* | 63.0252% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6762% | 930 |
| Loan loss allowance to noncurrent loans | 118.4694% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.7141% | 1,633 |
| Noncurrent loans to loans | 1.4149% | 1,021 |
| Net loans and leases to total assets | 45.6651% | 4,331 |
| Net loans and leases to deposits | 52.7783% | 4,380 |
| Net loans and leases to core deposits | 55.6464% | 4,390 |
| Total domestic deposits to total assets | 86.5225% | 1,849 |
| Equity capital to assets | 13.0322% | 1,169 |
| Core capital (leverage) ratio | 13.1416% | 911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,696,500 | 3,489 |
| Average earning assets | $133,048,000 | 3,457 |
| Average equity | $19,323,000 | 3,249 |
| Average total loans | $65,441,500 | 3,835 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5781% | 1,698 |
| Cost of funding earning assets | 0.3813% | 4,122 |
| Net interest margin | 4.1968% | 930 |
| Noninterest income to average assets | 0.6687% | 1,866 |
| Noninterest expense to average assets | 3.6973% | 579 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7392% | 3,246 |
| Return on assets (ROA) | 0.7427% | 3,356 |
| Pretax return on assets | 0.9356% | 3,215 |
| Return on Equity (ROE) | 5.3097% | 3,745 |
| Retained earnings to average equity (ytd only) | 2.1986% | 3,679 |
| Net charge-offs to loans | 0.1590% | 932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 12.5882% | 2,044 |
| Efficiency ratio | 79.8809% | 901 |
| Assets per employee ($millions) | 2.6816% | 4,933 |
| Cash dividends to net income (ytd only)* | 58.5938% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7203% | 783 |
| Loan loss allowance to noncurrent loans | 153.2194% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.6084% | 1,980 |
| Noncurrent loans to loans | 1.1228% | 1,404 |
| Net loans and leases to total assets | 45.9992% | 4,370 |
| Net loans and leases to deposits | 53.3823% | 4,404 |
| Net loans and leases to core deposits | 56.2655% | 4,423 |
| Total domestic deposits to total assets | 86.1694% | 1,937 |
| Equity capital to assets | 13.3776% | 1,011 |
| Core capital (leverage) ratio | 13.5431% | 863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,882,667 | 3,505 |
| Average earning assets | $130,097,667 | 3,469 |
| Average equity | $19,285,333 | 3,244 |
| Average total loans | $64,167,000 | 3,873 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8462% | 1,318 |
| Cost of funding earning assets | 0.4222% | 4,268 |
| Net interest margin | 4.4239% | 591 |
| Noninterest income to average assets | 0.7410% | 1,493 |
| Noninterest expense to average assets | 3.7971% | 624 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8868% | 2,562 |
| Return on assets (ROA) | 0.8868% | 2,661 |
| Pretax return on assets | 1.1219% | 2,449 |
| Return on Equity (ROE) | 6.1948% | 3,238 |
| Retained earnings to average equity (ytd only) | 3.0766% | 3,047 |
| Net charge-offs to loans | 0.2437% | 592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 9.9211% | 1,796 |
| Efficiency ratio | 77.1930% | 1,434 |
| Assets per employee ($millions) | 2.5086% | 4,957 |
| Cash dividends to net income (ytd only)* | 50.3356% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8882% | 621 |
| Loan loss allowance to noncurrent loans | 162.8453% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 2,212 |
| Noncurrent loans to loans | 1.1595% | 1,425 |
| Net loans and leases to total assets | 45.2242% | 4,457 |
| Net loans and leases to deposits | 53.0792% | 4,485 |
| Net loans and leases to core deposits | 56.8788% | 4,466 |
| Total domestic deposits to total assets | 85.2013% | 2,332 |
| Equity capital to assets | 14.2686% | 977 |
| Core capital (leverage) ratio | 14.4466% | 807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,419,500 | 3,531 |
| Average earning assets | $126,945,500 | 3,482 |
| Average equity | $19,242,000 | 3,249 |
| Average total loans | $62,362,000 | 3,915 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3569% | 734 |
| Cost of funding earning assets | 0.4323% | 4,332 |
| Net interest margin | 4.9246% | 314 |
| Noninterest income to average assets | 0.7254% | 1,725 |
| Noninterest expense to average assets | 3.8512% | 626 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2450% | 1,887 |
| Return on assets (ROA) | 1.2438% | 1,975 |
| Pretax return on assets | 1.5396% | 1,685 |
| Return on Equity (ROE) | 8.8602% | 2,815 |
| Retained earnings to average equity (ytd only) | 3.5925% | 3,202 |
| Net charge-offs to loans | 0.1589% | 1,267 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 20.8400% | 1,916 |
| Efficiency ratio | 71.4207% | 1,955 |
| Assets per employee ($millions) | 2.3399% | 5,047 |
| Cash dividends to net income (ytd only)* | 59.4530% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9540% | 490 |
| Loan loss allowance to noncurrent loans | 201.1570% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5173% | 2,352 |
| Noncurrent loans to loans | 0.9714% | 1,572 |
| Net loans and leases to total assets | 45.7848% | 4,531 |
| Net loans and leases to deposits | 53.6816% | 4,545 |
| Net loans and leases to core deposits | 57.3887% | 4,541 |
| Total domestic deposits to total assets | 85.2895% | 2,385 |
| Equity capital to assets | 14.3619% | 980 |
| Core capital (leverage) ratio | 14.3844% | 831 |
| Tier 1 risk-based capital ratio | 29.6892% | 488 |
| Total risk-based capital ratio | 30.9483% | 479 |
| Memoranda: | ||
| Average total assets | $135,231,000 | 3,503 |
| Average earning assets | $128,153,400 | 3,458 |
| Average equity | $18,983,800 | 3,227 |
| Average total loans | $62,936,800 | 3,931 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4454% | 647 |
| Cost of funding earning assets | 0.4261% | 4,414 |
| Net interest margin | 5.0192% | 279 |
| Noninterest income to average assets | 0.7202% | 1,700 |
| Noninterest expense to average assets | 3.8399% | 625 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3290% | 1,733 |
| Return on assets (ROA) | 1.3275% | 1,807 |
| Pretax return on assets | 1.6350% | 1,514 |
| Return on Equity (ROE) | 9.5100% | 2,665 |
| Retained earnings to average equity (ytd only) | 6.3423% | 2,201 |
| Net charge-offs to loans | 0.1226% | 1,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 28.7247% | 1,675 |
| Efficiency ratio | 70.1112% | 2,097 |
| Assets per employee ($millions) | 2.3895% | 5,104 |
| Cash dividends to net income (ytd only)* | 33.3089% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9946% | 475 |
| Loan loss allowance to noncurrent loans | 195.8009% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5747% | 2,282 |
| Noncurrent loans to loans | 1.0187% | 1,574 |
| Net loans and leases to total assets | 46.2312% | 4,588 |
| Net loans and leases to deposits | 54.3655% | 4,612 |
| Net loans and leases to core deposits | 58.0995% | 4,602 |
| Total domestic deposits to total assets | 85.0377% | 2,412 |
| Equity capital to assets | 14.4885% | 985 |
| Core capital (leverage) ratio | 14.4186% | 874 |
| Tier 1 risk-based capital ratio | 30.6510% | 464 |
| Total risk-based capital ratio | 31.9094% | 454 |
| Memoranda: | ||
| Average total assets | $135,695,250 | 3,532 |
| Average earning assets | $128,595,250 | 3,479 |
| Average equity | $18,941,000 | 3,253 |
| Average total loans | $63,100,500 | 3,969 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5697% | 501 |
| Cost of funding earning assets | 0.4151% | 4,449 |
| Net interest margin | 5.1546% | 212 |
| Noninterest income to average assets | 0.7042% | 1,693 |
| Noninterest expense to average assets | 3.8614% | 620 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4918% | 1,171 |
| Return on assets (ROA) | 1.4906% | 1,219 |
| Pretax return on assets | 1.7238% | 1,229 |
| Return on Equity (ROE) | 10.8129% | 2,056 |
| Retained earnings to average equity (ytd only) | 7.6201% | 1,552 |
| Net charge-offs to loans | 0.1173% | 1,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 31.7838% | 1,421 |
| Efficiency ratio | 69.1176% | 2,367 |
| Assets per employee ($millions) | 2.4278% | 5,144 |
| Cash dividends to net income (ytd only)* | 29.5276% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0140% | 466 |
| Loan loss allowance to noncurrent loans | 218.0579% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.5252% | 2,458 |
| Noncurrent loans to loans | 0.9236% | 1,772 |
| Net loans and leases to total assets | 45.8045% | 4,647 |
| Net loans and leases to deposits | 53.6276% | 4,697 |
| Net loans and leases to core deposits | 57.0155% | 4,679 |
| Total domestic deposits to total assets | 85.4122% | 2,298 |
| Equity capital to assets | 14.1068% | 1,086 |
| Core capital (leverage) ratio | 14.1413% | 925 |
| Tier 1 risk-based capital ratio | 29.1866% | 511 |
| Total risk-based capital ratio | 30.4450% | 502 |
| Memoranda: | ||
| Average total assets | $136,323,670 | 3,539 |
| Average earning assets | $129,127,330 | 3,489 |
| Average equity | $18,792,330 | 3,270 |
| Average total loans | $63,093,670 | 3,994 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9738% | 231 |
| Cost of funding earning assets | 0.4040% | 4,464 |
| Net interest margin | 5.5698% | 106 |
| Noninterest income to average assets | 0.6681% | 1,737 |
| Noninterest expense to average assets | 3.8767% | 611 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8607% | 499 |
| Return on assets (ROA) | 1.8607% | 514 |
| Pretax return on assets | 2.0834% | 543 |
| Return on Equity (ROE) | 13.6566% | 1,041 |
| Retained earnings to average equity (ytd only) | 10.4307% | 934 |
| Net charge-offs to loans | -0.0127% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0442% | 3,078 |
| Assets per employee ($millions) | 2.4181% | 5,207 |
| Cash dividends to net income (ytd only)* | 23.6220% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0847% | 424 |
| Loan loss allowance to noncurrent loans | 207.3899% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 2,392 |
| Noncurrent loans to loans | 1.0052% | 1,662 |
| Net loans and leases to total assets | 44.9475% | 4,704 |
| Net loans and leases to deposits | 52.4146% | 4,738 |
| Net loans and leases to core deposits | 55.9057% | 4,721 |
| Total domestic deposits to total assets | 85.7539% | 2,385 |
| Equity capital to assets | 13.7049% | 1,125 |
| Core capital (leverage) ratio | 14.0329% | 941 |
| Tier 1 risk-based capital ratio | 29.2302% | 502 |
| Total risk-based capital ratio | 30.4904% | 495 |
| Memoranda: | ||
| Average total assets | $136,507,500 | 3,568 |
| Average earning assets | $129,699,000 | 3,519 |
| Average equity | $18,599,000 | 3,302 |
| Average total loans | $62,863,500 | 4,033 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8875% | 1,325 |
| Cost of funding earning assets | 0.2898% | 4,617 |
| Net interest margin | 4.5978% | 607 |
| Noninterest income to average assets | 0.6855% | 1,906 |
| Noninterest expense to average assets | 3.8242% | 662 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9781% | 3,107 |
| Return on assets (ROA) | 0.9763% | 3,112 |
| Pretax return on assets | 1.1956% | 2,896 |
| Return on Equity (ROE) | 7.3989% | 3,692 |
| Retained earnings to average equity (ytd only) | 2.9684% | 3,916 |
| Net charge-offs to loans | 0.3297% | 583 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 7.7311% | 2,962 |
| Efficiency ratio | 76.1496% | 1,344 |
| Assets per employee ($millions) | 2.3307% | 5,258 |
| Cash dividends to net income (ytd only)* | 59.8802% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1087% | 398 |
| Loan loss allowance to noncurrent loans | 100.9195% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.0749% | 1,255 |
| Noncurrent loans to loans | 2.0895% | 635 |
| Net loans and leases to total assets | 45.2268% | 4,771 |
| Net loans and leases to deposits | 52.4736% | 4,810 |
| Net loans and leases to core deposits | 55.8119% | 4,785 |
| Total domestic deposits to total assets | 86.1896% | 2,135 |
| Equity capital to assets | 13.5433% | 1,128 |
| Core capital (leverage) ratio | 13.5434% | 1,064 |
| Tier 1 risk-based capital ratio | 28.7391% | 525 |
| Total risk-based capital ratio | 29.9998% | 517 |
| Memoranda: | ||
| Average total assets | $136,838,600 | 3,551 |
| Average earning assets | $129,063,000 | 3,505 |
| Average equity | $18,056,800 | 3,291 |
| Average total loans | $64,291,800 | 4,000 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8249% | 1,362 |
| Cost of funding earning assets | 0.2673% | 4,691 |
| Net interest margin | 4.5576% | 652 |
| Noninterest income to average assets | 0.6722% | 1,970 |
| Noninterest expense to average assets | 3.7720% | 688 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9714% | 3,213 |
| Return on assets (ROA) | 0.9714% | 3,227 |
| Pretax return on assets | 1.1900% | 3,029 |
| Return on Equity (ROE) | 7.4097% | 3,786 |
| Retained earnings to average equity (ytd only) | 4.0754% | 3,738 |
| Net charge-offs to loans | 0.2265% | 752 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 11.1366% | 2,539 |
| Efficiency ratio | 76.0180% | 1,347 |
| Assets per employee ($millions) | 2.4546% | 5,296 |
| Cash dividends to net income (ytd only)* | 45.0004% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2322% | 343 |
| Loan loss allowance to noncurrent loans | 109.8221% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.0389% | 1,397 |
| Noncurrent loans to loans | 2.0326% | 713 |
| Net loans and leases to total assets | 45.2458% | 4,828 |
| Net loans and leases to deposits | 52.4468% | 4,876 |
| Net loans and leases to core deposits | 55.0673% | 4,874 |
| Total domestic deposits to total assets | 86.2698% | 2,070 |
| Equity capital to assets | 13.2559% | 1,229 |
| Core capital (leverage) ratio | 13.5827% | 1,070 |
| Tier 1 risk-based capital ratio | 27.7912% | 584 |
| Total risk-based capital ratio | 29.0529% | 571 |
| Memoranda: | ||
| Average total assets | $137,253,000 | 3,579 |
| Average earning assets | $129,187,250 | 3,539 |
| Average equity | $17,994,000 | 3,319 |
| Average total loans | $64,751,000 | 4,026 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7786% | 1,310 |
| Cost of funding earning assets | 0.2499% | 4,746 |
| Net interest margin | 4.5288% | 657 |
| Noninterest income to average assets | 0.6313% | 2,176 |
| Noninterest expense to average assets | 3.7759% | 685 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8922% | 3,487 |
| Return on assets (ROA) | 0.8922% | 3,501 |
| Pretax return on assets | 1.1094% | 3,276 |
| Return on Equity (ROE) | 6.8310% | 3,948 |
| Retained earnings to average equity (ytd only) | 3.4825% | 3,842 |
| Net charge-offs to loans | 0.2395% | 664 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 9.7564% | 2,376 |
| Efficiency ratio | 77.2904% | 1,275 |
| Assets per employee ($millions) | 2.3355% | 5,376 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2579% | 337 |
| Loan loss allowance to noncurrent loans | 114.7943% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 1.0153% | 1,483 |
| Noncurrent loans to loans | 1.9669% | 766 |
| Net loans and leases to total assets | 45.5823% | 4,847 |
| Net loans and leases to deposits | 52.6607% | 4,892 |
| Net loans and leases to core deposits | 55.1085% | 4,893 |
| Total domestic deposits to total assets | 86.5585% | 2,030 |
| Equity capital to assets | 13.0917% | 1,259 |
| Core capital (leverage) ratio | 13.3069% | 1,133 |
| Tier 1 risk-based capital ratio | 27.1726% | 598 |
| Total risk-based capital ratio | 28.4343% | 589 |
| Memoranda: | ||
| Average total assets | $137,185,330 | 3,609 |
| Average earning assets | $128,865,000 | 3,567 |
| Average equity | $17,918,330 | 3,338 |
| Average total loans | $65,130,330 | 4,039 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6874% | 1,335 |
| Cost of funding earning assets | 0.2302% | 4,833 |
| Net interest margin | 4.4572% | 672 |
| Noninterest income to average assets | 0.6254% | 2,148 |
| Noninterest expense to average assets | 3.7580% | 706 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8387% | 3,564 |
| Return on assets (ROA) | 0.8387% | 3,577 |
| Pretax return on assets | 1.0549% | 3,337 |
| Return on Equity (ROE) | 6.4287% | 4,012 |
| Retained earnings to average equity (ytd only) | 3.0687% | 3,978 |
| Net charge-offs to loans | 0.2806% | 549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 7.8478% | 2,061 |
| Efficiency ratio | 78.0814% | 1,350 |
| Assets per employee ($millions) | 2.2633% | 5,459 |
| Cash dividends to net income (ytd only)* | 52.2648% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2862% | 330 |
| Loan loss allowance to noncurrent loans | 99.2637% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.2176% | 1,244 |
| Noncurrent loans to loans | 2.3032% | 624 |
| Net loans and leases to total assets | 45.9098% | 4,797 |
| Net loans and leases to deposits | 52.9891% | 4,842 |
| Net loans and leases to core deposits | 55.0758% | 4,872 |
| Total domestic deposits to total assets | 86.6401% | 2,261 |
| Equity capital to assets | 12.9579% | 1,270 |
| Core capital (leverage) ratio | 13.3865% | 1,043 |
| Tier 1 risk-based capital ratio | 27.5959% | 585 |
| Total risk-based capital ratio | 28.8585% | 572 |
| Memoranda: | ||
| Average total assets | $136,879,500 | 3,648 |
| Average earning assets | $128,600,500 | 3,608 |
| Average equity | $17,857,500 | 3,374 |
| Average total loans | $65,564,500 | 4,068 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7482% | 1,079 |
| Cost of funding earning assets | 0.2237% | 4,762 |
| Net interest margin | 4.5245% | 581 |
| Noninterest income to average assets | 0.6577% | 2,152 |
| Noninterest expense to average assets | 3.8065% | 692 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6883% | 3,649 |
| Return on assets (ROA) | 0.6901% | 3,692 |
| Pretax return on assets | 1.1004% | 3,181 |
| Return on Equity (ROE) | 5.2435% | 4,068 |
| Retained earnings to average equity (ytd only) | 0.7667% | 4,736 |
| Net charge-offs to loans | 0.1666% | 1,475 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 13.7963% | 2,369 |
| Efficiency ratio | 77.6209% | 1,406 |
| Assets per employee ($millions) | 2.2616% | 5,524 |
| Cash dividends to net income (ytd only)* | 85.3789% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3075% | 308 |
| Loan loss allowance to noncurrent loans | 132.7257% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.9868% | 1,570 |
| Noncurrent loans to loans | 1.7386% | 930 |
| Net loans and leases to total assets | 47.7041% | 4,790 |
| Net loans and leases to deposits | 55.0802% | 4,848 |
| Net loans and leases to core deposits | 57.3188% | 4,884 |
| Total domestic deposits to total assets | 86.6084% | 2,184 |
| Equity capital to assets | 13.1359% | 1,199 |
| Core capital (leverage) ratio | 13.3425% | 1,022 |
| Tier 1 risk-based capital ratio | 26.8113% | 604 |
| Total risk-based capital ratio | 28.0739% | 596 |
| Memoranda: | ||
| Average total assets | $135,769,200 | 3,668 |
| Average earning assets | $127,416,800 | 3,622 |
| Average equity | $17,869,600 | 3,386 |
| Average total loans | $64,816,400 | 4,080 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7240% | 1,089 |
| Cost of funding earning assets | 0.2219% | 4,795 |
| Net interest margin | 4.5021% | 600 |
| Noninterest income to average assets | 0.6638% | 2,144 |
| Noninterest expense to average assets | 3.7754% | 700 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7935% | 3,544 |
| Return on assets (ROA) | 0.7963% | 3,582 |
| Pretax return on assets | 1.1154% | 3,248 |
| Return on Equity (ROE) | 6.0473% | 4,102 |
| Retained earnings to average equity (ytd only) | 2.6918% | 4,285 |
| Net charge-offs to loans | 0.1779% | 1,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 13.1633% | 2,369 |
| Efficiency ratio | 77.2554% | 1,428 |
| Assets per employee ($millions) | 2.2586% | 5,585 |
| Cash dividends to net income (ytd only)* | 55.4873% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4233% | 294 |
| Loan loss allowance to noncurrent loans | 174.0741% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.8043% | 2,137 |
| Noncurrent loans to loans | 1.3921% | 1,346 |
| Net loans and leases to total assets | 46.0849% | 4,933 |
| Net loans and leases to deposits | 53.4422% | 4,988 |
| Net loans and leases to core deposits | 55.6182% | 5,012 |
| Total domestic deposits to total assets | 86.2333% | 2,220 |
| Equity capital to assets | 13.3528% | 1,226 |
| Core capital (leverage) ratio | 13.4441% | 1,045 |
| Tier 1 risk-based capital ratio | 27.7392% | 581 |
| Total risk-based capital ratio | 29.0026% | 569 |
| Memoranda: | ||
| Average total assets | $135,787,250 | 3,709 |
| Average earning assets | $127,375,250 | 3,657 |
| Average equity | $17,880,750 | 3,417 |
| Average total loans | $64,455,000 | 4,117 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7078% | 1,044 |
| Cost of funding earning assets | 0.2212% | 4,790 |
| Net interest margin | 4.4866% | 585 |
| Noninterest income to average assets | 0.6638% | 2,151 |
| Noninterest expense to average assets | 3.6930% | 776 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8835% | 2,998 |
| Return on assets (ROA) | 0.8890% | 3,023 |
| Pretax return on assets | 1.1878% | 2,813 |
| Return on Equity (ROE) | 6.7830% | 3,669 |
| Retained earnings to average equity (ytd only) | 3.4139% | 3,679 |
| Net charge-offs to loans | 0.1083% | 1,549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 22.9143% | 1,690 |
| Efficiency ratio | 75.7777% | 1,753 |
| Assets per employee ($millions) | 2.2586% | 5,627 |
| Cash dividends to net income (ytd only)* | 49.6689% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5022% | 283 |
| Loan loss allowance to noncurrent loans | 134.6218% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.1290% | 1,533 |
| Noncurrent loans to loans | 1.8587% | 949 |
| Net loans and leases to total assets | 46.0635% | 4,948 |
| Net loans and leases to deposits | 53.3293% | 5,000 |
| Net loans and leases to core deposits | 55.3313% | 5,029 |
| Total domestic deposits to total assets | 86.3755% | 2,206 |
| Equity capital to assets | 13.3109% | 1,226 |
| Core capital (leverage) ratio | 13.4359% | 1,013 |
| Tier 1 risk-based capital ratio | 27.6175% | 575 |
| Total risk-based capital ratio | 28.8820% | 558 |
| Memoranda: | ||
| Average total assets | $135,878,000 | 3,725 |
| Average earning assets | $127,489,330 | 3,678 |
| Average equity | $17,809,330 | 3,429 |
| Average total loans | $64,605,670 | 4,132 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5232% | 1,325 |
| Cost of funding earning assets | 0.2227% | 4,778 |
| Net interest margin | 4.3005% | 786 |
| Noninterest income to average assets | 0.6820% | 2,034 |
| Noninterest expense to average assets | 3.6925% | 789 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7035% | 3,688 |
| Return on assets (ROA) | 0.7056% | 3,719 |
| Pretax return on assets | 1.0231% | 3,272 |
| Return on Equity (ROE) | 5.4253% | 4,184 |
| Retained earnings to average equity (ytd only) | 2.0345% | 4,321 |
| Net charge-offs to loans | 0.1171% | 1,236 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 18.2632% | 1,571 |
| Efficiency ratio | 78.3531% | 1,583 |
| Assets per employee ($millions) | 2.3177% | 5,680 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4913% | 314 |
| Loan loss allowance to noncurrent loans | 93.3103% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.3427% | 1,256 |
| Noncurrent loans to loans | 2.6699% | 568 |
| Net loans and leases to total assets | 46.3128% | 4,925 |
| Net loans and leases to deposits | 53.5122% | 4,965 |
| Net loans and leases to core deposits | 55.8462% | 4,983 |
| Total domestic deposits to total assets | 86.5462% | 2,421 |
| Equity capital to assets | 12.9924% | 1,263 |
| Core capital (leverage) ratio | 13.2908% | 1,039 |
| Tier 1 risk-based capital ratio | 27.0114% | 625 |
| Total risk-based capital ratio | 28.2756% | 613 |
| Memoranda: | ||
| Average total assets | $136,060,500 | 3,756 |
| Average earning assets | $127,520,000 | 3,710 |
| Average equity | $17,695,000 | 3,452 |
| Average total loans | $64,896,500 | 4,159 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6398% | 1,189 |
| Cost of funding earning assets | 0.2402% | 4,651 |
| Net interest margin | 4.3997% | 777 |
| Noninterest income to average assets | 0.6364% | 2,476 |
| Noninterest expense to average assets | 3.7055% | 874 |
| Loan and lease loss provision to assets | -0.0473% | 5,582 |
| Net operating income to assets | 0.7502% | 3,532 |
| Return on assets (ROA) | 0.7673% | 3,567 |
| Pretax return on assets | 1.1200% | 3,017 |
| Return on Equity (ROE) | 5.9633% | 3,996 |
| Retained earnings to average equity (ytd only) | 1.4414% | 4,686 |
| Net charge-offs to loans | -0.0352% | 5,300 |
| Credit loss provision to net charge-offs | 295.4545% | 998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9529% | 1,698 |
| Assets per employee ($millions) | 2.3341% | 5,726 |
| Cash dividends to net income (ytd only)* | 75.8294% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5244% | 303 |
| Loan loss allowance to noncurrent loans | 94.0805% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.4869% | 1,128 |
| Noncurrent loans to loans | 2.6833% | 559 |
| Net loans and leases to total assets | 46.6904% | 4,973 |
| Net loans and leases to deposits | 53.8526% | 5,018 |
| Net loans and leases to core deposits | 56.4739% | 5,030 |
| Total domestic deposits to total assets | 86.7003% | 2,289 |
| Equity capital to assets | 13.0183% | 1,248 |
| Core capital (leverage) ratio | 13.0004% | 1,131 |
| Tier 1 risk-based capital ratio | 26.9042% | 622 |
| Total risk-based capital ratio | 28.1691% | 611 |
| Memoranda: | ||
| Average total assets | $137,499,800 | 3,710 |
| Average earning assets | $128,668,800 | 3,676 |
| Average equity | $17,691,600 | 3,460 |
| Average total loans | $62,562,200 | 4,209 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6200% | 1,254 |
| Cost of funding earning assets | 0.2416% | 4,684 |
| Net interest margin | 4.3784% | 808 |
| Noninterest income to average assets | 0.6337% | 2,502 |
| Noninterest expense to average assets | 3.6822% | 876 |
| Loan and lease loss provision to assets | -0.0522% | 5,719 |
| Net operating income to assets | 0.7356% | 3,663 |
| Return on assets (ROA) | 0.7563% | 3,708 |
| Pretax return on assets | 1.1302% | 3,113 |
| Return on Equity (ROE) | 5.8953% | 4,122 |
| Retained earnings to average equity (ytd only) | 2.5072% | 4,416 |
| Net charge-offs to loans | -0.1570% | 5,701 |
| Credit loss provision to net charge-offs | 73.9726% | 2,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8595% | 1,705 |
| Assets per employee ($millions) | 2.3491% | 5,791 |
| Cash dividends to net income (ytd only)* | 57.4720% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7382% | 252 |
| Loan loss allowance to noncurrent loans | 115.8146% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.2425% | 1,583 |
| Noncurrent loans to loans | 2.3643% | 771 |
| Net loans and leases to total assets | 43.5438% | 5,221 |
| Net loans and leases to deposits | 50.5634% | 5,272 |
| Net loans and leases to core deposits | 53.1199% | 5,258 |
| Total domestic deposits to total assets | 86.1172% | 2,297 |
| Equity capital to assets | 12.8936% | 1,548 |
| Core capital (leverage) ratio | 13.0440% | 1,175 |
| Tier 1 risk-based capital ratio | 28.7596% | 533 |
| Total risk-based capital ratio | 30.0272% | 527 |
| Memoranda: | ||
| Average total assets | $138,030,000 | 3,726 |
| Average earning assets | $129,116,750 | 3,684 |
| Average equity | $17,708,500 | 3,477 |
| Average total loans | $61,991,250 | 4,259 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 1,392 |
| Cost of funding earning assets | 0.2416% | 4,741 |
| Net interest margin | 4.3059% | 912 |
| Noninterest income to average assets | 0.6312% | 2,459 |
| Noninterest expense to average assets | 3.6825% | 903 |
| Loan and lease loss provision to assets | -0.0784% | 5,851 |
| Net operating income to assets | 0.6911% | 3,840 |
| Return on assets (ROA) | 0.7458% | 3,722 |
| Pretax return on assets | 1.1448% | 3,009 |
| Return on Equity (ROE) | 5.8228% | 4,126 |
| Retained earnings to average equity (ytd only) | 2.4243% | 4,341 |
| Net charge-offs to loans | -0.3615% | 5,908 |
| Credit loss provision to net charge-offs | 48.2143% | 2,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9425% | 1,648 |
| Assets per employee ($millions) | 2.2842% | 5,866 |
| Cash dividends to net income (ytd only)* | 58.3658% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7587% | 263 |
| Loan loss allowance to noncurrent loans | 160.3321% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.9923% | 2,153 |
| Noncurrent loans to loans | 1.7206% | 1,230 |
| Net loans and leases to total assets | 44.6999% | 5,193 |
| Net loans and leases to deposits | 51.4919% | 5,272 |
| Net loans and leases to core deposits | 53.9767% | 5,277 |
| Total domestic deposits to total assets | 86.8096% | 2,007 |
| Equity capital to assets | 12.9467% | 1,535 |
| Core capital (leverage) ratio | 12.9189% | 1,185 |
| Tier 1 risk-based capital ratio | 27.8526% | 605 |
| Total risk-based capital ratio | 29.1204% | 587 |
| Memoranda: | ||
| Average total assets | $137,841,330 | 3,753 |
| Average earning assets | $129,123,670 | 3,711 |
| Average equity | $17,654,670 | 3,493 |
| Average total loans | $61,972,000 | 4,286 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5668% | 1,350 |
| Cost of funding earning assets | 0.2407% | 4,797 |
| Net interest margin | 4.3261% | 877 |
| Noninterest income to average assets | 0.6337% | 2,349 |
| Noninterest expense to average assets | 3.6546% | 956 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7854% | 3,317 |
| Return on assets (ROA) | 0.9086% | 2,830 |
| Pretax return on assets | 1.1980% | 2,707 |
| Return on Equity (ROE) | 7.1323% | 3,384 |
| Retained earnings to average equity (ytd only) | 3.7252% | 3,628 |
| Net charge-offs to loans | 0.1172% | 1,417 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 19.8889% | 1,488 |
| Efficiency ratio | 77.9149% | 1,908 |
| Assets per employee ($millions) | 2.3052% | 5,926 |
| Cash dividends to net income (ytd only)* | 47.7707% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6808% | 322 |
| Loan loss allowance to noncurrent loans | 157.2375% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.9801% | 2,256 |
| Noncurrent loans to loans | 1.7049% | 1,323 |
| Net loans and leases to total assets | 44.3620% | 5,222 |
| Net loans and leases to deposits | 51.2260% | 5,260 |
| Net loans and leases to core deposits | 53.5635% | 5,283 |
| Total domestic deposits to total assets | 86.6006% | 2,411 |
| Equity capital to assets | 13.0112% | 1,401 |
| Core capital (leverage) ratio | 12.9873% | 1,165 |
| Tier 1 risk-based capital ratio | 28.3493% | 586 |
| Total risk-based capital ratio | 29.6160% | 571 |
| Memoranda: | ||
| Average total assets | $138,235,000 | 3,776 |
| Average earning assets | $129,630,500 | 3,723 |
| Average equity | $17,610,000 | 3,491 |
| Average total loans | $61,457,500 | 4,331 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5910% | 1,361 |
| Cost of funding earning assets | 0.2542% | 4,736 |
| Net interest margin | 4.3368% | 893 |
| Noninterest income to average assets | 0.6453% | 2,486 |
| Noninterest expense to average assets | 3.7060% | 966 |
| Loan and lease loss provision to assets | -0.0182% | 5,660 |
| Net operating income to assets | 0.7092% | 3,767 |
| Return on assets (ROA) | 0.7188% | 3,824 |
| Pretax return on assets | 1.0425% | 3,298 |
| Return on Equity (ROE) | 5.6146% | 4,225 |
| Retained earnings to average equity (ytd only) | 0.5001% | 5,319 |
| Net charge-offs to loans | 0.1069% | 2,319 |
| Credit loss provision to net charge-offs | -37.8788% | 5,032 |
| Earnings coverage of net charge-offs (x) | 21.0455% | 1,836 |
| Efficiency ratio | 78.5747% | 1,875 |
| Assets per employee ($millions) | 2.3807% | 5,941 |
| Cash dividends to net income (ytd only)* | 91.0931% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7578% | 298 |
| Loan loss allowance to noncurrent loans | 142.3729% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 1.0366% | 2,118 |
| Noncurrent loans to loans | 1.9370% | 1,099 |
| Net loans and leases to total assets | 42.1731% | 5,401 |
| Net loans and leases to deposits | 48.3757% | 5,470 |
| Net loans and leases to core deposits | 50.6044% | 5,470 |
| Total domestic deposits to total assets | 87.1782% | 2,041 |
| Equity capital to assets | 12.4758% | 1,638 |
| Core capital (leverage) ratio | 12.7758% | 1,235 |
| Tier 1 risk-based capital ratio | 27.9702% | 601 |
| Total risk-based capital ratio | 29.2364% | 591 |
| Memoranda: | ||
| Average total assets | $137,454,200 | 3,761 |
| Average earning assets | $129,035,400 | 3,718 |
| Average equity | $17,597,000 | 3,440 |
| Average total loans | $61,714,600 | 4,331 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6186% | 1,290 |
| Cost of funding earning assets | 0.2566% | 4,800 |
| Net interest margin | 4.3620% | 855 |
| Noninterest income to average assets | 0.7061% | 2,203 |
| Noninterest expense to average assets | 3.7112% | 959 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7979% | 3,434 |
| Return on assets (ROA) | 0.8086% | 3,492 |
| Pretax return on assets | 1.1051% | 3,204 |
| Return on Equity (ROE) | 6.2747% | 4,014 |
| Retained earnings to average equity (ytd only) | 2.8687% | 4,401 |
| Net charge-offs to loans | 0.2541% | 1,035 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 9.4745% | 2,693 |
| Efficiency ratio | 77.2903% | 2,051 |
| Assets per employee ($millions) | 2.3235% | 6,047 |
| Cash dividends to net income (ytd only)* | 54.2825% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6714% | 346 |
| Loan loss allowance to noncurrent loans | 184.0757% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 1.0162% | 2,329 |
| Noncurrent loans to loans | 1.4513% | 1,723 |
| Net loans and leases to total assets | 43.9322% | 5,361 |
| Net loans and leases to deposits | 50.7898% | 5,434 |
| Net loans and leases to core deposits | 53.2056% | 5,451 |
| Total domestic deposits to total assets | 86.4981% | 2,283 |
| Equity capital to assets | 13.0059% | 1,443 |
| Core capital (leverage) ratio | 12.9509% | 1,222 |
| Tier 1 risk-based capital ratio | 28.1581% | 609 |
| Total risk-based capital ratio | 29.4247% | 597 |
| Memoranda: | ||
| Average total assets | $136,701,750 | 3,811 |
| Average earning assets | $128,348,000 | 3,766 |
| Average equity | $17,615,250 | 3,464 |
| Average total loans | $61,913,750 | 4,367 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6001% | 1,280 |
| Cost of funding earning assets | 0.2579% | 4,862 |
| Net interest margin | 4.3422% | 853 |
| Noninterest income to average assets | 0.6809% | 2,293 |
| Noninterest expense to average assets | 3.6874% | 1,004 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7738% | 3,516 |
| Return on assets (ROA) | 0.7835% | 3,575 |
| Pretax return on assets | 1.0749% | 3,278 |
| Return on Equity (ROE) | 6.0990% | 4,078 |
| Retained earnings to average equity (ytd only) | 2.6790% | 4,353 |
| Net charge-offs to loans | 0.1550% | 1,554 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 15.1042% | 1,998 |
| Efficiency ratio | 77.6442% | 2,118 |
| Assets per employee ($millions) | 2.3483% | 6,105 |
| Cash dividends to net income (ytd only)* | 56.0748% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8076% | 333 |
| Loan loss allowance to noncurrent loans | 160.8777% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 1.1703% | 2,168 |
| Noncurrent loans to loans | 1.7452% | 1,472 |
| Net loans and leases to total assets | 43.7927% | 5,391 |
| Net loans and leases to deposits | 50.5218% | 5,475 |
| Net loans and leases to core deposits | 52.8130% | 5,493 |
| Total domestic deposits to total assets | 86.6809% | 2,327 |
| Equity capital to assets | 12.9388% | 1,435 |
| Core capital (leverage) ratio | 12.8885% | 1,216 |
| Tier 1 risk-based capital ratio | 27.7245% | 658 |
| Total risk-based capital ratio | 28.9927% | 650 |
| Memoranda: | ||
| Average total assets | $136,574,330 | 3,841 |
| Average earning assets | $127,953,000 | 3,800 |
| Average equity | $17,544,000 | 3,487 |
| Average total loans | $61,926,000 | 4,409 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5976% | 1,222 |
| Cost of funding earning assets | 0.2561% | 4,948 |
| Net interest margin | 4.3415% | 809 |
| Noninterest income to average assets | 0.6698% | 2,307 |
| Noninterest expense to average assets | 3.7145% | 989 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7541% | 3,511 |
| Return on assets (ROA) | 0.7692% | 3,570 |
| Pretax return on assets | 1.0412% | 3,333 |
| Return on Equity (ROE) | 6.0099% | 4,037 |
| Retained earnings to average equity (ytd only) | 2.5822% | 4,391 |
| Net charge-offs to loans | 0.1157% | 1,593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 19.3889% | 1,449 |
| Efficiency ratio | 78.4435% | 2,125 |
| Assets per employee ($millions) | 2.3325% | 6,183 |
| Cash dividends to net income (ytd only)* | 57.0342% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8201% | 360 |
| Loan loss allowance to noncurrent loans | 132.9037% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 1.3683% | 1,941 |
| Noncurrent loans to loans | 2.1219% | 1,212 |
| Net loans and leases to total assets | 43.8971% | 5,358 |
| Net loans and leases to deposits | 50.5709% | 5,418 |
| Net loans and leases to core deposits | 52.8351% | 5,435 |
| Total domestic deposits to total assets | 86.8030% | 2,488 |
| Equity capital to assets | 12.7726% | 1,527 |
| Core capital (leverage) ratio | 12.9069% | 1,189 |
| Tier 1 risk-based capital ratio | 27.0891% | 702 |
| Total risk-based capital ratio | 28.3553% | 685 |
| Memoranda: | ||
| Average total assets | $136,760,000 | 3,865 |
| Average earning assets | $128,066,000 | 3,829 |
| Average equity | $17,504,500 | 3,519 |
| Average total loans | $62,204,000 | 4,424 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9692% | 825 |
| Cost of funding earning assets | 0.2843% | 4,963 |
| Net interest margin | 4.6849% | 534 |
| Noninterest income to average assets | 0.6546% | 2,527 |
| Noninterest expense to average assets | 3.7173% | 1,115 |
| Loan and lease loss provision to assets | 0.1044% | 2,411 |
| Net operating income to assets | 0.8271% | 3,241 |
| Return on assets (ROA) | 0.8328% | 3,301 |
| Pretax return on assets | 1.2145% | 2,597 |
| Return on Equity (ROE) | 6.4533% | 3,928 |
| Retained earnings to average equity (ytd only) | 1.2537% | 5,217 |
| Net charge-offs to loans | -0.0399% | 5,861 |
| Credit loss provision to net charge-offs | -583.3333% | 5,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9324% | 2,850 |
| Assets per employee ($millions) | 2.3035% | 6,271 |
| Cash dividends to net income (ytd only)* | 80.5730% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8452% | 354 |
| Loan loss allowance to noncurrent loans | 111.2437% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.5261% | 1,782 |
| Noncurrent loans to loans | 2.5576% | 984 |
| Net loans and leases to total assets | 44.4980% | 5,433 |
| Net loans and leases to deposits | 51.1975% | 5,524 |
| Net loans and leases to core deposits | 53.5352% | 5,526 |
| Total domestic deposits to total assets | 86.9144% | 2,329 |
| Equity capital to assets | 12.8266% | 1,450 |
| Core capital (leverage) ratio | 12.8652% | 1,189 |
| Tier 1 risk-based capital ratio | 26.7711% | 699 |
| Total risk-based capital ratio | 28.0398% | 679 |
| Memoranda: | ||
| Average total assets | $134,130,000 | 3,903 |
| Average earning assets | $125,211,600 | 3,859 |
| Average equity | $17,309,000 | 3,486 |
| Average total loans | $60,096,000 | 4,485 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8918% | 946 |
| Cost of funding earning assets | 0.2888% | 5,003 |
| Net interest margin | 4.6030% | 613 |
| Noninterest income to average assets | 0.6443% | 2,606 |
| Noninterest expense to average assets | 3.7181% | 1,094 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9141% | 2,845 |
| Return on assets (ROA) | 0.9215% | 2,911 |
| Pretax return on assets | 1.2287% | 2,659 |
| Return on Equity (ROE) | 7.1302% | 3,645 |
| Retained earnings to average equity (ytd only) | 3.6577% | 4,045 |
| Net charge-offs to loans | -0.0851% | 6,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3131% | 2,618 |
| Assets per employee ($millions) | 2.2746% | 6,355 |
| Cash dividends to net income (ytd only)* | 48.7017% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7661% | 458 |
| Loan loss allowance to noncurrent loans | 127.7174% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 1.3144% | 2,352 |
| Noncurrent loans to loans | 2.1658% | 1,416 |
| Net loans and leases to total assets | 43.0885% | 5,590 |
| Net loans and leases to deposits | 49.8952% | 5,659 |
| Net loans and leases to core deposits | 51.6904% | 5,706 |
| Total domestic deposits to total assets | 86.3580% | 2,667 |
| Equity capital to assets | 13.1301% | 1,363 |
| Core capital (leverage) ratio | 13.2003% | 1,100 |
| Tier 1 risk-based capital ratio | 27.8802% | 649 |
| Total risk-based capital ratio | 29.1461% | 634 |
| Memoranda: | ||
| Average total assets | $133,686,250 | 3,944 |
| Average earning assets | $124,669,000 | 3,901 |
| Average equity | $17,278,250 | 3,501 |
| Average total loans | $59,558,500 | 4,542 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9194% | 880 |
| Cost of funding earning assets | 0.2921% | 5,045 |
| Net interest margin | 4.6273% | 559 |
| Noninterest income to average assets | 0.6456% | 2,568 |
| Noninterest expense to average assets | 3.7210% | 1,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9299% | 2,658 |
| Return on assets (ROA) | 0.9242% | 2,784 |
| Pretax return on assets | 1.2358% | 2,520 |
| Return on Equity (ROE) | 7.1895% | 3,520 |
| Retained earnings to average equity (ytd only) | 3.6938% | 3,841 |
| Net charge-offs to loans | -0.2484% | 6,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9547% | 2,813 |
| Assets per employee ($millions) | 2.2585% | 6,420 |
| Cash dividends to net income (ytd only)* | 48.6224% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8451% | 455 |
| Loan loss allowance to noncurrent loans | 149.0248% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 1.1685% | 2,743 |
| Noncurrent loans to loans | 1.9091% | 1,791 |
| Net loans and leases to total assets | 43.0799% | 5,599 |
| Net loans and leases to deposits | 49.7538% | 5,649 |
| Net loans and leases to core deposits | 51.8101% | 5,673 |
| Total domestic deposits to total assets | 86.5861% | 2,711 |
| Equity capital to assets | 13.0844% | 1,332 |
| Core capital (leverage) ratio | 13.0926% | 1,125 |
| Tier 1 risk-based capital ratio | 28.3177% | 622 |
| Total risk-based capital ratio | 29.5858% | 608 |
| Memoranda: | ||
| Average total assets | $133,514,000 | 3,969 |
| Average earning assets | $124,608,330 | 3,918 |
| Average equity | $17,164,000 | 3,525 |
| Average total loans | $59,587,670 | 4,561 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8514% | 943 |
| Cost of funding earning assets | 0.2956% | 5,110 |
| Net interest margin | 4.5558% | 600 |
| Noninterest income to average assets | 0.6405% | 2,514 |
| Noninterest expense to average assets | 3.6874% | 1,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8880% | 2,712 |
| Return on assets (ROA) | 0.8769% | 2,826 |
| Pretax return on assets | 1.1822% | 2,562 |
| Return on Equity (ROE) | 6.8826% | 3,540 |
| Retained earnings to average equity (ytd only) | 3.3591% | 4,112 |
| Net charge-offs to loans | -0.2206% | 6,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4902% | 2,872 |
| Assets per employee ($millions) | 2.2478% | 6,489 |
| Cash dividends to net income (ytd only)* | 51.1945% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8051% | 539 |
| Loan loss allowance to noncurrent loans | 143.4821% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 1.1374% | 2,977 |
| Noncurrent loans to loans | 1.9550% | 1,925 |
| Net loans and leases to total assets | 42.1340% | 5,656 |
| Net loans and leases to deposits | 48.5248% | 5,699 |
| Net loans and leases to core deposits | 50.8142% | 5,706 |
| Total domestic deposits to total assets | 86.8298% | 2,922 |
| Equity capital to assets | 12.7201% | 1,446 |
| Core capital (leverage) ratio | 13.0810% | 1,133 |
| Tier 1 risk-based capital ratio | 28.2067% | 629 |
| Total risk-based capital ratio | 29.4744% | 613 |
| Memoranda: | ||
| Average total assets | $133,646,000 | 3,999 |
| Average earning assets | $124,499,500 | 3,953 |
| Average equity | $17,028,500 | 3,548 |
| Average total loans | $59,839,000 | 4,595 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1981% | 642 |
| Cost of funding earning assets | 0.3530% | 5,103 |
| Net interest margin | 4.8450% | 397 |
| Noninterest income to average assets | 0.6065% | 3,056 |
| Noninterest expense to average assets | 3.7898% | 1,155 |
| Loan and lease loss provision to assets | 0.1358% | 2,611 |
| Net operating income to assets | 0.8180% | 3,199 |
| Return on assets (ROA) | 0.8154% | 3,312 |
| Pretax return on assets | 1.1805% | 2,653 |
| Return on Equity (ROE) | 6.3761% | 3,885 |
| Retained earnings to average equity (ytd only) | 2.8371% | 4,226 |
| Net charge-offs to loans | 0.8640% | 713 |
| Credit loss provision to net charge-offs | 32.1429% | 4,208 |
| Earnings coverage of net charge-offs (x) | 3.1250% | 3,950 |
| Efficiency ratio | 74.1659% | 3,104 |
| Assets per employee ($millions) | 2.2071% | 6,564 |
| Cash dividends to net income (ytd only)* | 55.5042% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6252% | 713 |
| Loan loss allowance to noncurrent loans | 108.8016% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.4876% | 2,500 |
| Noncurrent loans to loans | 2.4128% | 1,583 |
| Net loans and leases to total assets | 45.0112% | 5,583 |
| Net loans and leases to deposits | 51.7885% | 5,640 |
| Net loans and leases to core deposits | 54.1754% | 5,660 |
| Total domestic deposits to total assets | 86.9135% | 2,773 |
| Equity capital to assets | 12.7633% | 1,386 |
| Core capital (leverage) ratio | 12.9460% | 1,163 |
| Tier 1 risk-based capital ratio | 26.5469% | 729 |
| Total risk-based capital ratio | 27.8116% | 706 |
| Memoranda: | ||
| Average total assets | $132,566,800 | 4,021 |
| Average earning assets | $123,219,200 | 3,986 |
| Average equity | $16,954,000 | 3,568 |
| Average total loans | $64,815,200 | 4,448 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1096% | 761 |
| Cost of funding earning assets | 0.3636% | 5,153 |
| Net interest margin | 4.7460% | 476 |
| Noninterest income to average assets | 0.6646% | 2,800 |
| Noninterest expense to average assets | 3.7595% | 1,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0114% | 2,333 |
| Return on assets (ROA) | 1.0075% | 2,431 |
| Pretax return on assets | 1.3102% | 2,299 |
| Return on Equity (ROE) | 7.8739% | 3,186 |
| Retained earnings to average equity (ytd only) | 4.3377% | 3,590 |
| Net charge-offs to loans | 0.2191% | 2,509 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 12.1108% | 2,173 |
| Efficiency ratio | 74.0836% | 3,054 |
| Assets per employee ($millions) | 2.2109% | 6,639 |
| Cash dividends to net income (ytd only)* | 44.9104% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9464% | 585 |
| Loan loss allowance to noncurrent loans | 62.4045% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 2.7485% | 1,364 |
| Noncurrent loans to loans | 4.7214% | 665 |
| Net loans and leases to total assets | 46.6589% | 5,478 |
| Net loans and leases to deposits | 53.7564% | 5,561 |
| Net loans and leases to core deposits | 56.4371% | 5,584 |
| Total domestic deposits to total assets | 86.7970% | 2,802 |
| Equity capital to assets | 12.8343% | 1,406 |
| Core capital (leverage) ratio | 12.9826% | 1,217 |
| Tier 1 risk-based capital ratio | 25.9329% | 791 |
| Total risk-based capital ratio | 27.2022% | 776 |
| Memoranda: | ||
| Average total assets | $132,601,750 | 4,058 |
| Average earning assets | $123,216,750 | 4,027 |
| Average equity | $16,967,000 | 3,609 |
| Average total loans | $65,715,500 | 4,456 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1411% | 708 |
| Cost of funding earning assets | 0.3735% | 5,197 |
| Net interest margin | 4.7677% | 455 |
| Noninterest income to average assets | 0.6336% | 3,000 |
| Noninterest expense to average assets | 3.7425% | 1,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0293% | 2,205 |
| Return on assets (ROA) | 1.0258% | 2,335 |
| Pretax return on assets | 1.3154% | 2,249 |
| Return on Equity (ROE) | 8.0247% | 3,084 |
| Retained earnings to average equity (ytd only) | 4.4844% | 3,410 |
| Net charge-offs to loans | 0.1778% | 2,692 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 14.8305% | 1,793 |
| Efficiency ratio | 73.9273% | 3,148 |
| Assets per employee ($millions) | 2.1870% | 6,687 |
| Cash dividends to net income (ytd only)* | 44.1176% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9662% | 604 |
| Loan loss allowance to noncurrent loans | 87.7161% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 2.0958% | 2,060 |
| Noncurrent loans to loans | 3.3816% | 1,268 |
| Net loans and leases to total assets | 47.2761% | 5,395 |
| Net loans and leases to deposits | 54.3950% | 5,489 |
| Net loans and leases to core deposits | 57.0866% | 5,517 |
| Total domestic deposits to total assets | 86.9125% | 2,874 |
| Equity capital to assets | 12.7149% | 1,464 |
| Core capital (leverage) ratio | 12.7668% | 1,258 |
| Tier 1 risk-based capital ratio | 24.1473% | 985 |
| Total risk-based capital ratio | 25.4158% | 958 |
| Memoranda: | ||
| Average total assets | $132,585,000 | 4,085 |
| Average earning assets | $123,163,330 | 4,053 |
| Average equity | $16,947,670 | 3,627 |
| Average total loans | $66,363,000 | 4,451 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1658% | 656 |
| Cost of funding earning assets | 0.3773% | 5,308 |
| Net interest margin | 4.7884% | 411 |
| Noninterest income to average assets | 0.6718% | 2,748 |
| Noninterest expense to average assets | 3.8162% | 1,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9881% | 2,280 |
| Return on assets (ROA) | 0.9836% | 2,424 |
| Pretax return on assets | 1.3044% | 2,214 |
| Return on Equity (ROE) | 7.6741% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.6741% | 1,865 |
| Net charge-offs to loans | 0.1969% | 2,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 13.1212% | 1,548 |
| Efficiency ratio | 74.4392% | 3,188 |
| Assets per employee ($millions) | 2.1793% | 6,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9607% | 687 |
| Loan loss allowance to noncurrent loans | 78.8221% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 2.2417% | 2,083 |
| Noncurrent loans to loans | 3.7562% | 1,237 |
| Net loans and leases to total assets | 48.1762% | 5,209 |
| Net loans and leases to deposits | 55.4436% | 5,305 |
| Net loans and leases to core deposits | 57.9044% | 5,350 |
| Total domestic deposits to total assets | 86.8923% | 3,026 |
| Equity capital to assets | 12.8610% | 1,493 |
| Core capital (leverage) ratio | 12.9393% | 1,138 |
| Tier 1 risk-based capital ratio | 24.3086% | 981 |
| Total risk-based capital ratio | 25.5769% | 960 |
| Memoranda: | ||
| Average total assets | $132,172,500 | 4,133 |
| Average earning assets | $122,963,000 | 4,091 |
| Average equity | $16,940,000 | 3,683 |
| Average total loans | $67,045,000 | 4,453 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5623% | 551 |
| Cost of funding earning assets | 0.4734% | 5,395 |
| Net interest margin | 5.0889% | 328 |
| Noninterest income to average assets | 0.6756% | 2,852 |
| Noninterest expense to average assets | 3.7520% | 1,327 |
| Loan and lease loss provision to assets | 0.0684% | 4,896 |
| Net operating income to assets | 1.0756% | 2,035 |
| Return on assets (ROA) | 1.0678% | 2,243 |
| Pretax return on assets | 1.5580% | 1,496 |
| Return on Equity (ROE) | 8.5179% | 2,858 |
| Retained earnings to average equity (ytd only) | 3.0616% | 4,081 |
| Net charge-offs to loans | 0.2023% | 3,762 |
| Credit loss provision to net charge-offs | 63.8298% | 4,346 |
| Earnings coverage of net charge-offs (x) | 15.2837% | 1,663 |
| Efficiency ratio | 69.6136% | 3,881 |
| Assets per employee ($millions) | 2.1542% | 6,855 |
| Cash dividends to net income (ytd only)* | 64.0569% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9181% | 722 |
| Loan loss allowance to noncurrent loans | 78.7242% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 2.3263% | 2,113 |
| Noncurrent loans to loans | 3.7067% | 1,308 |
| Net loans and leases to total assets | 50.3052% | 5,126 |
| Net loans and leases to deposits | 57.8129% | 5,260 |
| Net loans and leases to core deposits | 60.4416% | 5,323 |
| Total domestic deposits to total assets | 87.0137% | 2,840 |
| Equity capital to assets | 12.7717% | 1,553 |
| Core capital (leverage) ratio | 12.7545% | 1,220 |
| Tier 1 risk-based capital ratio | 23.5156% | 1,032 |
| Total risk-based capital ratio | 24.7845% | 1,010 |
| Memoranda: | ||
| Average total assets | $131,582,000 | 4,113 |
| Average earning assets | $121,891,600 | 4,068 |
| Average equity | $16,494,600 | 3,705 |
| Average total loans | $69,685,800 | 4,365 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5691% | 586 |
| Cost of funding earning assets | 0.4947% | 5,470 |
| Net interest margin | 5.0744% | 356 |
| Noninterest income to average assets | 0.6584% | 2,943 |
| Noninterest expense to average assets | 3.7337% | 1,319 |
| Loan and lease loss provision to assets | 0.0912% | 4,458 |
| Net operating income to assets | 1.0347% | 2,346 |
| Return on assets (ROA) | 1.0251% | 2,606 |
| Pretax return on assets | 1.5154% | 1,825 |
| Return on Equity (ROE) | 8.2162% | 3,177 |
| Retained earnings to average equity (ytd only) | 3.7508% | 4,254 |
| Net charge-offs to loans | 0.1218% | 4,156 |
| Credit loss provision to net charge-offs | 140.6250% | 2,051 |
| Earnings coverage of net charge-offs (x) | 25.0004% | 1,260 |
| Efficiency ratio | 69.7314% | 3,742 |
| Assets per employee ($millions) | 2.1938% | 6,920 |
| Cash dividends to net income (ytd only)* | 54.3482% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9887% | 721 |
| Loan loss allowance to noncurrent loans | 78.5986% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 2.5268% | 2,090 |
| Noncurrent loans to loans | 3.8025% | 1,390 |
| Net loans and leases to total assets | 50.8965% | 5,205 |
| Net loans and leases to deposits | 58.5222% | 5,375 |
| Net loans and leases to core deposits | 60.7901% | 5,476 |
| Total domestic deposits to total assets | 86.9695% | 2,687 |
| Equity capital to assets | 12.7266% | 1,751 |
| Core capital (leverage) ratio | 12.6711% | 1,336 |
| Tier 1 risk-based capital ratio | 23.0762% | 1,164 |
| Total risk-based capital ratio | 24.3454% | 1,136 |
| Memoranda: | ||
| Average total assets | $131,625,500 | 4,145 |
| Average earning assets | $121,812,250 | 4,111 |
| Average equity | $16,422,500 | 3,750 |
| Average total loans | $70,084,250 | 4,396 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5695% | 612 |
| Cost of funding earning assets | 0.5175% | 5,500 |
| Net interest margin | 5.0520% | 369 |
| Noninterest income to average assets | 0.6762% | 2,795 |
| Noninterest expense to average assets | 3.6604% | 1,447 |
| Loan and lease loss provision to assets | 0.1368% | 3,809 |
| Net operating income to assets | 1.0165% | 2,392 |
| Return on assets (ROA) | 1.0135% | 2,626 |
| Pretax return on assets | 1.5468% | 1,719 |
| Return on Equity (ROE) | 8.1777% | 3,177 |
| Retained earnings to average equity (ytd only) | 1.4345% | 5,477 |
| Net charge-offs to loans | 0.1392% | 3,806 |
| Credit loss provision to net charge-offs | 183.6735% | 1,547 |
| Earnings coverage of net charge-offs (x) | 22.6735% | 1,283 |
| Efficiency ratio | 68.4375% | 4,053 |
| Assets per employee ($millions) | 2.2089% | 6,968 |
| Cash dividends to net income (ytd only)* | 82.4588% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0089% | 777 |
| Loan loss allowance to noncurrent loans | 87.7215% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 2.3240% | 2,405 |
| Noncurrent loans to loans | 3.4301% | 1,689 |
| Net loans and leases to total assets | 50.5659% | 5,287 |
| Net loans and leases to deposits | 58.0004% | 5,451 |
| Net loans and leases to core deposits | 60.0631% | 5,582 |
| Total domestic deposits to total assets | 87.1820% | 2,664 |
| Equity capital to assets | 12.3895% | 1,887 |
| Core capital (leverage) ratio | 12.3622% | 1,411 |
| Tier 1 risk-based capital ratio | 22.8268% | 1,157 |
| Total risk-based capital ratio | 24.0975% | 1,137 |
| Memoranda: | ||
| Average total assets | $131,624,000 | 4,170 |
| Average earning assets | $121,734,000 | 4,128 |
| Average equity | $16,312,670 | 3,756 |
| Average total loans | $70,426,000 | 4,406 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6438% | 581 |
| Cost of funding earning assets | 0.5472% | 5,513 |
| Net interest margin | 5.0966% | 342 |
| Noninterest income to average assets | 0.7014% | 2,658 |
| Noninterest expense to average assets | 3.6685% | 1,429 |
| Loan and lease loss provision to assets | 0.2745% | 2,268 |
| Net operating income to assets | 0.8974% | 2,934 |
| Return on assets (ROA) | 0.8935% | 3,170 |
| Pretax return on assets | 1.4668% | 1,976 |
| Return on Equity (ROE) | 7.2083% | 3,652 |
| Retained earnings to average equity (ytd only) | -1.4023% | 6,209 |
| Net charge-offs to loans | 0.0113% | 4,554 |
| Credit loss provision to net charge-offs | 4,500.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 286.5000% | 114 |
| Efficiency ratio | 67.7365% | 4,219 |
| Assets per employee ($millions) | 2.2965% | 6,997 |
| Cash dividends to net income (ytd only)* | 119.4539% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0436% | 800 |
| Loan loss allowance to noncurrent loans | 72.1167% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 2.6629% | 2,216 |
| Noncurrent loans to loans | 4.2204% | 1,429 |
| Net loans and leases to total assets | 50.8450% | 5,186 |
| Net loans and leases to deposits | 58.1251% | 5,357 |
| Net loans and leases to core deposits | 60.1711% | 5,512 |
| Total domestic deposits to total assets | 87.4751% | 2,668 |
| Equity capital to assets | 12.1668% | 1,933 |
| Core capital (leverage) ratio | 12.4463% | 1,364 |
| Tier 1 risk-based capital ratio | 22.4794% | 1,210 |
| Total risk-based capital ratio | 23.7498% | 1,187 |
| Memoranda: | ||
| Average total assets | $131,170,000 | 4,208 |
| Average earning assets | $121,336,000 | 4,169 |
| Average equity | $16,259,000 | 3,772 |
| Average total loans | $71,091,500 | 4,413 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1094% | 360 |
| Cost of funding earning assets | 0.7286% | 5,348 |
| Net interest margin | 5.3808% | 210 |
| Noninterest income to average assets | 0.7389% | 2,394 |
| Noninterest expense to average assets | 3.8049% | 1,343 |
| Loan and lease loss provision to assets | 0.2087% | 4,097 |
| Net operating income to assets | 1.0800% | 1,895 |
| Return on assets (ROA) | 1.0789% | 2,030 |
| Pretax return on assets | 1.6037% | 1,188 |
| Return on Equity (ROE) | 8.9546% | 2,470 |
| Retained earnings to average equity (ytd only) | 7.6717% | 1,201 |
| Net charge-offs to loans | 0.0704% | 5,608 |
| Credit loss provision to net charge-offs | 509.4340% | 447 |
| Earnings coverage of net charge-offs (x) | 44.2830% | 620 |
| Efficiency ratio | 67.7166% | 4,418 |
| Assets per employee ($millions) | 2.1888% | 7,084 |
| Cash dividends to net income (ytd only)* | 14.3266% | 3,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8176% | 959 |
| Loan loss allowance to noncurrent loans | 76.9347% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 2.5151% | 2,417 |
| Noncurrent loans to loans | 3.6623% | 1,726 |
| Net loans and leases to total assets | 54.4320% | 4,968 |
| Net loans and leases to deposits | 62.4558% | 5,177 |
| Net loans and leases to core deposits | 64.4923% | 5,413 |
| Total domestic deposits to total assets | 87.1528% | 2,669 |
| Equity capital to assets | 12.6312% | 1,722 |
| Core capital (leverage) ratio | 12.6663% | 1,280 |
| Tier 1 risk-based capital ratio | 22.1645% | 1,218 |
| Total risk-based capital ratio | 23.4332% | 1,185 |
| Memoranda: | ||
| Average total assets | $129,386,800 | 4,183 |
| Average earning assets | $117,344,000 | 4,203 |
| Average equity | $15,589,800 | 3,792 |
| Average total loans | $75,247,400 | 4,305 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1513% | 359 |
| Cost of funding earning assets | 0.7658% | 5,361 |
| Net interest margin | 5.3855% | 213 |
| Noninterest income to average assets | 0.7447% | 2,345 |
| Noninterest expense to average assets | 3.7862% | 1,322 |
| Loan and lease loss provision to assets | 0.2771% | 3,298 |
| Net operating income to assets | 0.9632% | 2,466 |
| Return on assets (ROA) | 0.9600% | 2,650 |
| Pretax return on assets | 1.5367% | 1,555 |
| Return on Equity (ROE) | 8.0642% | 3,013 |
| Retained earnings to average equity (ytd only) | 6.3337% | 2,341 |
| Net charge-offs to loans | 0.0369% | 5,631 |
| Credit loss provision to net charge-offs | 1,280.9524% | 216 |
| Earnings coverage of net charge-offs (x) | 84.0932% | 425 |
| Efficiency ratio | 67.5487% | 4,410 |
| Assets per employee ($millions) | 2.1639% | 7,163 |
| Cash dividends to net income (ytd only)* | 21.4592% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8260% | 1,012 |
| Loan loss allowance to noncurrent loans | 66.4419% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 2.9138% | 2,219 |
| Noncurrent loans to loans | 4.2533% | 1,537 |
| Net loans and leases to total assets | 54.7974% | 5,030 |
| Net loans and leases to deposits | 62.6279% | 5,331 |
| Net loans and leases to core deposits | 64.4736% | 5,565 |
| Total domestic deposits to total assets | 87.4968% | 2,356 |
| Equity capital to assets | 12.2113% | 2,088 |
| Core capital (leverage) ratio | 12.2143% | 1,585 |
| Tier 1 risk-based capital ratio | 21.3179% | 1,398 |
| Total risk-based capital ratio | 22.5875% | 1,372 |
| Memoranda: | ||
| Average total assets | $129,448,250 | 4,212 |
| Average earning assets | $116,829,000 | 4,228 |
| Average equity | $15,409,250 | 3,843 |
| Average total loans | $75,976,250 | 4,316 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2310% | 314 |
| Cost of funding earning assets | 0.8007% | 5,363 |
| Net interest margin | 5.4303% | 198 |
| Noninterest income to average assets | 0.7547% | 2,238 |
| Noninterest expense to average assets | 3.7952% | 1,353 |
| Loan and lease loss provision to assets | 0.2768% | 3,162 |
| Net operating income to assets | 1.0403% | 2,063 |
| Return on assets (ROA) | 1.0362% | 2,179 |
| Pretax return on assets | 1.5435% | 1,393 |
| Return on Equity (ROE) | 8.7806% | 2,607 |
| Retained earnings to average equity (ytd only) | 6.1595% | 2,325 |
| Net charge-offs to loans | -0.0312% | 6,931 |
| Credit loss provision to net charge-offs | -1,491.6667% | 6,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5103% | 4,604 |
| Assets per employee ($millions) | 2.0934% | 7,233 |
| Cash dividends to net income (ytd only)* | 29.8507% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6811% | 1,199 |
| Loan loss allowance to noncurrent loans | 61.3415% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 3.2738% | 2,041 |
| Noncurrent loans to loans | 4.3707% | 1,541 |
| Net loans and leases to total assets | 56.2710% | 4,948 |
| Net loans and leases to deposits | 64.1490% | 5,253 |
| Net loans and leases to core deposits | 66.0341% | 5,510 |
| Total domestic deposits to total assets | 87.7192% | 2,330 |
| Equity capital to assets | 12.0073% | 2,079 |
| Core capital (leverage) ratio | 11.9110% | 1,660 |
| Tier 1 risk-based capital ratio | 20.3444% | 1,545 |
| Total risk-based capital ratio | 21.6066% | 1,512 |
| Memoranda: | ||
| Average total assets | $129,320,670 | 4,243 |
| Average earning assets | $115,905,000 | 4,282 |
| Average equity | $15,261,000 | 3,862 |
| Average total loans | $76,897,330 | 4,318 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1343% | 376 |
| Cost of funding earning assets | 0.8376% | 5,346 |
| Net interest margin | 5.2967% | 223 |
| Noninterest income to average assets | 0.7406% | 2,311 |
| Noninterest expense to average assets | 3.8114% | 1,319 |
| Loan and lease loss provision to assets | 0.2758% | 2,948 |
| Net operating income to assets | 1.0415% | 2,029 |
| Return on assets (ROA) | 1.0257% | 2,140 |
| Pretax return on assets | 1.4130% | 1,691 |
| Return on Equity (ROE) | 8.7685% | 2,578 |
| Retained earnings to average equity (ytd only) | 3.4703% | 4,106 |
| Net charge-offs to loans | 0.0668% | 4,254 |
| Credit loss provision to net charge-offs | 684.6154% | 550 |
| Earnings coverage of net charge-offs (x) | 42.4615% | 656 |
| Efficiency ratio | 69.0236% | 4,473 |
| Assets per employee ($millions) | 2.1347% | 7,288 |
| Cash dividends to net income (ytd only)* | 60.4230% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4780% | 1,489 |
| Loan loss allowance to noncurrent loans | 56.4080% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 3.3275% | 2,045 |
| Noncurrent loans to loans | 4.3929% | 1,605 |
| Net loans and leases to total assets | 57.3331% | 4,745 |
| Net loans and leases to deposits | 65.1858% | 5,098 |
| Net loans and leases to core deposits | 67.2395% | 5,384 |
| Total domestic deposits to total assets | 87.9533% | 2,397 |
| Equity capital to assets | 11.6512% | 2,163 |
| Core capital (leverage) ratio | 11.7889% | 1,685 |
| Tier 1 risk-based capital ratio | 19.6245% | 1,669 |
| Total risk-based capital ratio | 20.8890% | 1,637 |
| Memoranda: | ||
| Average total assets | $129,087,000 | 4,276 |
| Average earning assets | $116,525,000 | 4,286 |
| Average equity | $15,099,500 | 3,884 |
| Average total loans | $77,823,500 | 4,332 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6387% | 260 |
| Cost of funding earning assets | 1.1364% | 4,928 |
| Net interest margin | 5.5024% | 172 |
| Noninterest income to average assets | 0.5167% | 4,047 |
| Noninterest expense to average assets | 3.9166% | 1,292 |
| Loan and lease loss provision to assets | 0.6382% | 2,579 |
| Net operating income to assets | 0.6418% | 3,477 |
| Return on assets (ROA) | 0.6412% | 3,633 |
| Pretax return on assets | 0.9126% | 3,233 |
| Return on Equity (ROE) | 5.6582% | 3,754 |
| Retained earnings to average equity (ytd only) | 4.3013% | 2,829 |
| Net charge-offs to loans | 0.4584% | 3,785 |
| Credit loss provision to net charge-offs | 220.7447% | 1,359 |
| Earnings coverage of net charge-offs (x) | 5.3670% | 2,644 |
| Efficiency ratio | 71.6254% | 3,865 |
| Assets per employee ($millions) | 2.0638% | 7,393 |
| Cash dividends to net income (ytd only)* | 23.9808% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3024% | 1,690 |
| Loan loss allowance to noncurrent loans | 57.8830% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 3.1503% | 2,249 |
| Noncurrent loans to loans | 3.9776% | 1,829 |
| Net loans and leases to total assets | 60.3887% | 4,614 |
| Net loans and leases to deposits | 68.8162% | 4,979 |
| Net loans and leases to core deposits | 71.4236% | 5,280 |
| Total domestic deposits to total assets | 87.7536% | 2,394 |
| Equity capital to assets | 11.7439% | 2,089 |
| Core capital (leverage) ratio | 11.7128% | 1,717 |
| Tier 1 risk-based capital ratio | 19.2405% | 1,660 |
| Total risk-based capital ratio | 20.4262% | 1,649 |
| Memoranda: | ||
| Average total assets | $130,061,000 | 4,268 |
| Average earning assets | $117,040,200 | 4,289 |
| Average equity | $14,739,800 | 3,986 |
| Average total loans | $82,032,200 | 4,277 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6685% | 254 |
| Cost of funding earning assets | 1.1909% | 4,910 |
| Net interest margin | 5.4776% | 182 |
| Noninterest income to average assets | 0.4727% | 4,395 |
| Noninterest expense to average assets | 3.8175% | 1,348 |
| Loan and lease loss provision to assets | 0.7545% | 2,031 |
| Net operating income to assets | 0.4563% | 4,511 |
| Return on assets (ROA) | 0.4543% | 4,709 |
| Pretax return on assets | 0.8239% | 3,821 |
| Return on Equity (ROE) | 4.0450% | 4,760 |
| Retained earnings to average equity (ytd only) | 2.2270% | 4,833 |
| Net charge-offs to loans | 0.4768% | 3,367 |
| Credit loss provision to net charge-offs | 249.6622% | 1,340 |
| Earnings coverage of net charge-offs (x) | 5.2331% | 2,800 |
| Efficiency ratio | 70.7073% | 3,937 |
| Assets per employee ($millions) | 2.1291% | 7,440 |
| Cash dividends to net income (ytd only)* | 44.9437% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2609% | 1,685 |
| Loan loss allowance to noncurrent loans | 61.2936% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 2.9982% | 2,423 |
| Noncurrent loans to loans | 3.6886% | 2,112 |
| Net loans and leases to total assets | 60.2465% | 4,860 |
| Net loans and leases to deposits | 68.2915% | 5,380 |
| Net loans and leases to core deposits | 71.4480% | 5,579 |
| Total domestic deposits to total assets | 88.2197% | 1,845 |
| Equity capital to assets | 11.4084% | 2,598 |
| Core capital (leverage) ratio | 11.1903% | 2,137 |
| Tier 1 risk-based capital ratio | 18.5161% | 1,866 |
| Total risk-based capital ratio | 19.7776% | 1,834 |
| Memoranda: | ||
| Average total assets | $130,587,250 | 4,312 |
| Average earning assets | $117,444,750 | 4,347 |
| Average equity | $14,668,000 | 4,062 |
| Average total loans | $82,767,250 | 4,329 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7102% | 241 |
| Cost of funding earning assets | 1.2320% | 4,949 |
| Net interest margin | 5.4782% | 179 |
| Noninterest income to average assets | 0.7797% | 2,239 |
| Noninterest expense to average assets | 3.8403% | 1,286 |
| Loan and lease loss provision to assets | 0.9906% | 1,466 |
| Net operating income to assets | 0.4769% | 4,430 |
| Return on assets (ROA) | 0.4739% | 4,600 |
| Pretax return on assets | 0.8454% | 3,723 |
| Return on Equity (ROE) | 4.2413% | 4,669 |
| Retained earnings to average equity (ytd only) | 1.5050% | 5,120 |
| Net charge-offs to loans | 0.6095% | 2,704 |
| Credit loss provision to net charge-offs | 254.1176% | 1,504 |
| Earnings coverage of net charge-offs (x) | 4.7216% | 2,867 |
| Efficiency ratio | 67.5996% | 4,656 |
| Assets per employee ($millions) | 2.1951% | 7,436 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1511% | 1,864 |
| Loan loss allowance to noncurrent loans | 243.4302% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 1.5803% | 4,088 |
| Noncurrent loans to loans | 0.8837% | 5,503 |
| Net loans and leases to total assets | 59.7885% | 5,105 |
| Net loans and leases to deposits | 67.4122% | 5,624 |
| Net loans and leases to core deposits | 70.4978% | 5,829 |
| Total domestic deposits to total assets | 88.6910% | 1,609 |
| Equity capital to assets | 10.9580% | 2,906 |
| Core capital (leverage) ratio | 11.0696% | 2,186 |
| Tier 1 risk-based capital ratio | 17.8792% | 1,989 |
| Total risk-based capital ratio | 19.1380% | 1,952 |
| Memoranda: | ||
| Average total assets | $130,823,670 | 4,330 |
| Average earning assets | $117,046,000 | 4,392 |
| Average equity | $14,618,330 | 4,070 |
| Average total loans | $83,670,670 | 4,330 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7887% | 224 |
| Cost of funding earning assets | 1.2716% | 4,988 |
| Net interest margin | 5.5171% | 176 |
| Noninterest income to average assets | 0.7240% | 2,437 |
| Noninterest expense to average assets | 3.8148% | 1,309 |
| Loan and lease loss provision to assets | 0.2723% | 3,847 |
| Net operating income to assets | 1.1492% | 1,677 |
| Return on assets (ROA) | 1.1448% | 1,771 |
| Pretax return on assets | 1.5841% | 1,304 |
| Return on Equity (ROE) | 10.1432% | 2,052 |
| Retained earnings to average equity (ytd only) | 4.6604% | 3,345 |
| Net charge-offs to loans | 0.9929% | 1,652 |
| Credit loss provision to net charge-offs | 41.9048% | 4,609 |
| Earnings coverage of net charge-offs (x) | 2.8667% | 3,116 |
| Efficiency ratio | 67.1935% | 4,880 |
| Assets per employee ($millions) | 2.0409% | 7,649 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 3,988 |
| Loan loss allowance to noncurrent loans | 65.0470% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.4653% | 4,306 |
| Noncurrent loans to loans | 2.2820% | 3,412 |
| Net loans and leases to total assets | 63.2583% | 4,478 |
| Net loans and leases to deposits | 71.5989% | 5,109 |
| Net loans and leases to core deposits | 74.7914% | 5,414 |
| Total domestic deposits to total assets | 88.3509% | 1,880 |
| Equity capital to assets | 11.2502% | 2,538 |
| Core capital (leverage) ratio | 11.3888% | 1,970 |
| Tier 1 risk-based capital ratio | 18.0659% | 1,928 |
| Total risk-based capital ratio | 19.3190% | 1,899 |
| Memoranda: | ||
| Average total assets | $129,284,500 | 4,428 |
| Average earning assets | $116,074,500 | 4,470 |
| Average equity | $14,591,000 | 4,101 |
| Average total loans | $84,597,000 | 4,364 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1174% | 234 |
| Cost of funding earning assets | 1.5565% | 5,248 |
| Net interest margin | 5.5609% | 180 |
| Noninterest income to average assets | 0.8072% | 2,373 |
| Noninterest expense to average assets | 4.0811% | 1,257 |
| Loan and lease loss provision to assets | 0.8733% | 2,561 |
| Net operating income to assets | 0.6455% | 3,155 |
| Return on assets (ROA) | 0.6509% | 3,192 |
| Pretax return on assets | 0.8765% | 2,997 |
| Return on Equity (ROE) | 5.6946% | 3,339 |
| Retained earnings to average equity (ytd only) | 4.2851% | 2,227 |
| Net charge-offs to loans | 1.8012% | 1,387 |
| Credit loss provision to net charge-offs | 70.7572% | 6,476 |
| Earnings coverage of net charge-offs (x) | 1.4119% | 4,713 |
| Efficiency ratio | 70.0788% | 4,608 |
| Assets per employee ($millions) | 1.9684% | 7,746 |
| Cash dividends to net income (ytd only)* | 24.7525% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6022% | 3,272 |
| Loan loss allowance to noncurrent loans | 56.4876% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 2.1329% | 3,230 |
| Noncurrent loans to loans | 2.8363% | 2,715 |
| Net loans and leases to total assets | 65.6152% | 4,256 |
| Net loans and leases to deposits | 74.3410% | 4,983 |
| Net loans and leases to core deposits | 99.8929% | 4,009 |
| Total domestic deposits to total assets | 88.2625% | 1,850 |
| Equity capital to assets | 11.3225% | 2,451 |
| Core capital (leverage) ratio | 11.4783% | 1,924 |
| Tier 1 risk-based capital ratio | 17.6091% | 1,995 |
| Total risk-based capital ratio | 18.8630% | 1,953 |
| Memoranda: | ||
| Average total assets | $124,133,400 | 4,470 |
| Average earning assets | $111,978,600 | 4,513 |
| Average equity | $14,188,800 | 4,210 |
| Average total loans | $85,054,800 | 4,356 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1962% | 226 |
| Cost of funding earning assets | 1.6113% | 5,352 |
| Net interest margin | 5.5850% | 167 |
| Noninterest income to average assets | 0.8129% | 2,369 |
| Noninterest expense to average assets | 4.1272% | 1,106 |
| Loan and lease loss provision to assets | 0.8594% | 2,231 |
| Net operating income to assets | 0.8724% | 2,526 |
| Return on assets (ROA) | 0.8778% | 2,584 |
| Pretax return on assets | 0.8778% | 3,289 |
| Return on Equity (ROE) | 7.6611% | 2,788 |
| Retained earnings to average equity (ytd only) | 5.7718% | 2,066 |
| Net charge-offs to loans | 2.2465% | 846 |
| Credit loss provision to net charge-offs | 55.4469% | 6,238 |
| Earnings coverage of net charge-offs (x) | 1.1173% | 4,943 |
| Efficiency ratio | 70.4415% | 4,500 |
| Assets per employee ($millions) | 1.9923% | 7,805 |
| Cash dividends to net income (ytd only)* | 24.6608% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 4,079 |
| Loan loss allowance to noncurrent loans | 46.0846% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 2.5332% | 2,739 |
| Noncurrent loans to loans | 2.9870% | 2,529 |
| Net loans and leases to total assets | 68.2702% | 3,896 |
| Net loans and leases to deposits | 77.8673% | 4,756 |
| Net loans and leases to core deposits | 103.0464% | 4,052 |
| Total domestic deposits to total assets | 87.6750% | 1,815 |
| Equity capital to assets | 11.7778% | 2,377 |
| Core capital (leverage) ratio | 11.7235% | 1,958 |
| Tier 1 risk-based capital ratio | 18.1653% | 1,943 |
| Total risk-based capital ratio | 19.4173% | 1,888 |
| Memoranda: | ||
| Average total assets | $123,179,500 | 4,515 |
| Average earning assets | $111,296,000 | 4,547 |
| Average equity | $14,114,250 | 4,265 |
| Average total loans | $84,988,250 | 4,397 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3017% | 207 |
| Cost of funding earning assets | 1.6715% | 5,415 |
| Net interest margin | 5.6302% | 158 |
| Noninterest income to average assets | 0.7671% | 2,607 |
| Noninterest expense to average assets | 4.2481% | 1,011 |
| Loan and lease loss provision to assets | 0.9150% | 1,845 |
| Net operating income to assets | 0.7004% | 3,253 |
| Return on assets (ROA) | 0.7053% | 3,331 |
| Pretax return on assets | 0.7053% | 3,976 |
| Return on Equity (ROE) | 6.2135% | 3,551 |
| Retained earnings to average equity (ytd only) | 3.3501% | 3,460 |
| Net charge-offs to loans | 3.0631% | 535 |
| Credit loss provision to net charge-offs | 43.3410% | 5,856 |
| Earnings coverage of net charge-offs (x) | 0.7652% | 4,966 |
| Efficiency ratio | 72.4501% | 4,322 |
| Assets per employee ($millions) | 1.9407% | 7,893 |
| Cash dividends to net income (ytd only)* | 46.0829% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 4,389 |
| Loan loss allowance to noncurrent loans | 205.5238% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.9807% | 5,006 |
| Noncurrent loans to loans | 0.6233% | 6,005 |
| Net loans and leases to total assets | 66.9474% | 4,367 |
| Net loans and leases to deposits | 76.0395% | 5,170 |
| Net loans and leases to core deposits | 99.3465% | 4,574 |
| Total domestic deposits to total assets | 88.0429% | 1,744 |
| Equity capital to assets | 11.3919% | 2,603 |
| Core capital (leverage) ratio | 11.4341% | 2,116 |
| Tier 1 risk-based capital ratio | 17.5365% | 2,136 |
| Total risk-based capital ratio | 18.7874% | 2,095 |
| Memoranda: | ||
| Average total assets | $123,065,670 | 4,556 |
| Average earning assets | $111,398,670 | 4,591 |
| Average equity | $13,969,670 | 4,313 |
| Average total loans | $84,816,000 | 4,438 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4374% | 181 |
| Cost of funding earning assets | 1.7737% | 5,246 |
| Net interest margin | 5.6637% | 145 |
| Noninterest income to average assets | 0.7282% | 2,716 |
| Noninterest expense to average assets | 4.2319% | 907 |
| Loan and lease loss provision to assets | 1.5478% | 815 |
| Net operating income to assets | 0.0784% | 6,045 |
| Return on assets (ROA) | 0.0784% | 6,213 |
| Pretax return on assets | 0.0784% | 6,212 |
| Return on Equity (ROE) | 0.6916% | 6,226 |
| Retained earnings to average equity (ytd only) | -5.0720% | 6,557 |
| Net charge-offs to loans | 6.0487% | 156 |
| Credit loss provision to net charge-offs | 36.8298% | 4,857 |
| Earnings coverage of net charge-offs (x) | 0.3869% | 4,675 |
| Efficiency ratio | 72.2408% | 4,148 |
| Assets per employee ($millions) | 1.9267% | 7,943 |
| Cash dividends to net income (ytd only)* | 833.3333% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 4,744 |
| Loan loss allowance to noncurrent loans | 210.0629% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.9821% | 4,739 |
| Noncurrent loans to loans | 0.5754% | 5,966 |
| Net loans and leases to total assets | 66.4145% | 4,485 |
| Net loans and leases to deposits | 75.0862% | 5,329 |
| Net loans and leases to core deposits | 97.6859% | 4,774 |
| Total domestic deposits to total assets | 88.4510% | 1,508 |
| Equity capital to assets | 11.1557% | 2,846 |
| Core capital (leverage) ratio | 11.1831% | 2,354 |
| Tier 1 risk-based capital ratio | 17.3731% | 2,224 |
| Total risk-based capital ratio | 18.6177% | 2,169 |
| Memoranda: | ||
| Average total assets | $122,497,500 | 4,585 |
| Average earning assets | $110,952,500 | 4,609 |
| Average equity | $13,880,000 | 4,364 |
| Average total loans | $85,109,500 | 4,455 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8162% | 243 |
| Cost of funding earning assets | 2.2828% | 5,235 |
| Net interest margin | 5.5335% | 197 |
| Noninterest income to average assets | 0.8365% | 2,312 |
| Noninterest expense to average assets | 3.8345% | 1,688 |
| Loan and lease loss provision to assets | 0.7816% | 1,912 |
| Net operating income to assets | 0.9016% | 2,991 |
| Return on assets (ROA) | 0.9027% | 2,832 |
| Pretax return on assets | 1.3226% | 2,228 |
| Return on Equity (ROE) | 8.1396% | 3,013 |
| Retained earnings to average equity (ytd only) | 2.8612% | 3,395 |
| Net charge-offs to loans | 0.1665% | 4,536 |
| Credit loss provision to net charge-offs | 681.6901% | 622 |
| Earnings coverage of net charge-offs (x) | 18.3380% | 1,709 |
| Efficiency ratio | 64.5859% | 5,425 |
| Assets per employee ($millions) | 1.9013% | 7,984 |
| Cash dividends to net income (ytd only)* | 64.8479% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0785% | 1,104 |
| Loan loss allowance to noncurrent loans | 84.5366% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 2.1227% | 2,313 |
| Noncurrent loans to loans | 2.4587% | 2,226 |
| Net loans and leases to total assets | 70.2686% | 3,957 |
| Net loans and leases to deposits | 79.9811% | 5,047 |
| Net loans and leases to core deposits | 104.8060% | 4,319 |
| Total domestic deposits to total assets | 87.8565% | 1,535 |
| Equity capital to assets | 11.5083% | 2,632 |
| Core capital (leverage) ratio | 11.3590% | 2,332 |
| Tier 1 risk-based capital ratio | 17.1342% | 2,269 |
| Total risk-based capital ratio | 18.1057% | 2,298 |
| Memoranda: | ||
| Average total assets | $123,849,000 | 4,424 |
| Average earning assets | $114,159,800 | 4,411 |
| Average equity | $13,735,400 | 4,394 |
| Average total loans | $85,299,400 | 4,355 |