Home > Farmers & Mechanics Bank > Performance and Condition Ratios
Farmers & Mechanics Bank, Performance and Condition Ratios
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9309% | 2,933 |
| Cost of funding earning assets | 0.3687% | 3,774 |
| Net interest margin | 3.5622% | 2,271 |
| Noninterest income to average assets | 1.6451% | 462 |
| Noninterest expense to average assets | 3.0327% | 1,370 |
| Loan and lease loss provision to assets | 0.2680% | 1,434 |
| Net operating income to assets | 1.1723% | 1,644 |
| Return on assets (ROA) | 1.1698% | 1,767 |
| Pretax return on assets | 1.5599% | 1,167 |
| Return on Equity (ROE) | 9.4084% | 2,235 |
| Retained earnings to average equity (ytd only) | 7.1913% | 1,326 |
| Net charge-offs to loans | 0.0904% | 1,550 |
| Credit loss provision to net charge-offs | 450.6438% | 1,333 |
| Earnings coverage of net charge-offs (x) | 30.7854% | 1,585 |
| Efficiency ratio | 62.1917% | 3,092 |
| Assets per employee ($millions) | 6.1860% | 2,180 |
| Cash dividends to net income (ytd only)* | 23.5654% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 2,619 |
| Loan loss allowance to noncurrent loans | 660.8000% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 3,440 |
| Noncurrent loans to loans | 0.1907% | 3,529 |
| Net loans and leases to total assets | 63.4066% | 2,440 |
| Net loans and leases to deposits | 76.0669% | 2,276 |
| Net loans and leases to core deposits | 78.0505% | 2,543 |
| Total domestic deposits to total assets | 83.3564% | 3,309 |
| Equity capital to assets | 12.4426% | 1,349 |
| Core capital (leverage) ratio | 10.0766% | 2,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5762% | 1,386 |
| Memoranda: | ||
| Average total assets | $391,760,400 | 1,883 |
| Average earning assets | $353,963,000 | 1,920 |
| Average equity | $48,711,800 | 1,736 |
| Average total loans | $257,848,400 | 1,878 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9011% | 3,250 |
| Cost of funding earning assets | 0.4090% | 3,771 |
| Net interest margin | 3.4921% | 2,614 |
| Noninterest income to average assets | 1.5960% | 464 |
| Noninterest expense to average assets | 2.9677% | 1,512 |
| Loan and lease loss provision to assets | 0.1685% | 2,315 |
| Net operating income to assets | 1.2082% | 1,616 |
| Return on assets (ROA) | 1.2049% | 1,747 |
| Pretax return on assets | 1.6066% | 1,166 |
| Return on Equity (ROE) | 9.6920% | 2,136 |
| Retained earnings to average equity (ytd only) | 7.4509% | 1,511 |
| Net charge-offs to loans | 0.0872% | 1,430 |
| Credit loss provision to net charge-offs | 291.6667% | 1,793 |
| Earnings coverage of net charge-offs (x) | 30.7917% | 1,558 |
| Efficiency ratio | 62.3433% | 3,017 |
| Assets per employee ($millions) | 6.1059% | 2,174 |
| Cash dividends to net income (ytd only)* | 23.1230% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 3,580 |
| Loan loss allowance to noncurrent loans | 265.5009% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 2,883 |
| Noncurrent loans to loans | 0.3866% | 2,905 |
| Net loans and leases to total assets | 67.2091% | 2,361 |
| Net loans and leases to deposits | 81.3674% | 2,162 |
| Net loans and leases to core deposits | 83.2670% | 2,555 |
| Total domestic deposits to total assets | 82.5996% | 3,251 |
| Equity capital to assets | 12.3877% | 1,473 |
| Core capital (leverage) ratio | 9.7024% | 3,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0668% | 1,486 |
| Memoranda: | ||
| Average total assets | $387,631,500 | 1,884 |
| Average earning assets | $349,772,250 | 1,922 |
| Average equity | $48,189,750 | 1,745 |
| Average total loans | $256,766,000 | 1,880 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9712% | 3,399 |
| Cost of funding earning assets | 0.4627% | 3,730 |
| Net interest margin | 3.5085% | 2,759 |
| Noninterest income to average assets | 1.5252% | 446 |
| Noninterest expense to average assets | 2.9510% | 1,715 |
| Loan and lease loss provision to assets | 0.1825% | 2,193 |
| Net operating income to assets | 1.1680% | 1,733 |
| Return on assets (ROA) | 1.1618% | 1,886 |
| Pretax return on assets | 1.5440% | 1,357 |
| Return on Equity (ROE) | 9.3337% | 2,236 |
| Retained earnings to average equity (ytd only) | 7.0653% | 1,632 |
| Net charge-offs to loans | 0.0382% | 1,983 |
| Credit loss provision to net charge-offs | 727.0833% | 975 |
| Earnings coverage of net charge-offs (x) | 69.1042% | 885 |
| Efficiency ratio | 62.8055% | 2,989 |
| Assets per employee ($millions) | 6.1111% | 2,081 |
| Cash dividends to net income (ytd only)* | 24.3024% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 3,557 |
| Loan loss allowance to noncurrent loans | 428.9231% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 3,728 |
| Noncurrent loans to loans | 0.2341% | 3,538 |
| Net loans and leases to total assets | 67.1267% | 2,484 |
| Net loans and leases to deposits | 80.8041% | 2,340 |
| Net loans and leases to core deposits | 82.7573% | 2,717 |
| Total domestic deposits to total assets | 83.0734% | 3,067 |
| Equity capital to assets | 11.9982% | 1,660 |
| Core capital (leverage) ratio | 9.7841% | 3,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4879% | 1,635 |
| Memoranda: | ||
| Average total assets | $382,512,000 | 1,883 |
| Average earning assets | $344,534,000 | 1,922 |
| Average equity | $47,612,667 | 1,749 |
| Average total loans | $251,136,333 | 1,895 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0675% | 3,610 |
| Cost of funding earning assets | 0.5657% | 3,610 |
| Net interest margin | 3.5018% | 2,981 |
| Noninterest income to average assets | 1.4762% | 410 |
| Noninterest expense to average assets | 3.0934% | 1,657 |
| Loan and lease loss provision to assets | 0.1301% | 2,092 |
| Net operating income to assets | 1.0631% | 1,955 |
| Return on assets (ROA) | 1.0503% | 2,105 |
| Pretax return on assets | 1.3830% | 1,615 |
| Return on Equity (ROE) | 8.2722% | 2,399 |
| Retained earnings to average equity (ytd only) | 6.7355% | 1,633 |
| Net charge-offs to loans | 0.1547% | 835 |
| Credit loss provision to net charge-offs | 130.4348% | 1,665 |
| Earnings coverage of net charge-offs (x) | 15.3370% | 1,567 |
| Efficiency ratio | 66.7292% | 2,856 |
| Assets per employee ($millions) | 5.4076% | 2,221 |
| Cash dividends to net income (ytd only)* | 18.5759% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 3,504 |
| Loan loss allowance to noncurrent loans | 276.7877% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.2436% | 3,485 |
| Noncurrent loans to loans | 0.3748% | 3,140 |
| Net loans and leases to total assets | 64.3285% | 3,027 |
| Net loans and leases to deposits | 77.4398% | 2,939 |
| Net loans and leases to core deposits | 79.8320% | 3,212 |
| Total domestic deposits to total assets | 83.0690% | 3,087 |
| Equity capital to assets | 12.6820% | 1,633 |
| Core capital (leverage) ratio | 10.4922% | 2,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3579% | 1,797 |
| Memoranda: | ||
| Average total assets | $369,045,500 | 1,890 |
| Average earning assets | $331,601,500 | 1,926 |
| Average equity | $46,856,000 | 1,764 |
| Average total loans | $237,887,000 | 1,941 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1441% | 3,942 |
| Cost of funding earning assets | 0.7458% | 2,940 |
| Net interest margin | 3.3983% | 3,749 |
| Noninterest income to average assets | 1.4328% | 457 |
| Noninterest expense to average assets | 3.0029% | 2,007 |
| Loan and lease loss provision to assets | 0.0996% | 2,062 |
| Net operating income to assets | 1.0508% | 2,652 |
| Return on assets (ROA) | 1.0493% | 2,756 |
| Pretax return on assets | 1.3849% | 2,223 |
| Return on Equity (ROE) | 7.9451% | 3,188 |
| Retained earnings to average equity (ytd only) | -6.3671% | 5,012 |
| Net charge-offs to loans | 0.0826% | 1,935 |
| Credit loss provision to net charge-offs | 188.7755% | 1,397 |
| Earnings coverage of net charge-offs (x) | 28.1633% | 1,638 |
| Efficiency ratio | 66.5127% | 2,690 |
| Assets per employee ($millions) | 5.2893% | 2,261 |
| Cash dividends to net income (ytd only)* | 180.1386% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 3,130 |
| Loan loss allowance to noncurrent loans | 413.8103% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 3,819 |
| Noncurrent loans to loans | 0.2577% | 3,527 |
| Net loans and leases to total assets | 63.2238% | 3,290 |
| Net loans and leases to deposits | 76.1117% | 3,167 |
| Net loans and leases to core deposits | 78.5934% | 3,407 |
| Total domestic deposits to total assets | 83.0671% | 3,168 |
| Equity capital to assets | 12.7114% | 1,700 |
| Core capital (leverage) ratio | 10.2229% | 3,271 |
| Tier 1 risk-based capital ratio | 14.5084% | 3,011 |
| Total risk-based capital ratio | 15.4951% | 3,062 |
| Memoranda: | ||
| Average total assets | $371,373,400 | 1,838 |
| Average earning assets | $334,016,600 | 1,867 |
| Average equity | $49,049,400 | 1,630 |
| Average total loans | $237,274,000 | 1,903 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1317% | 4,084 |
| Cost of funding earning assets | 0.7759% | 2,840 |
| Net interest margin | 3.3558% | 3,974 |
| Noninterest income to average assets | 1.4514% | 433 |
| Noninterest expense to average assets | 2.9903% | 2,010 |
| Loan and lease loss provision to assets | 0.1162% | 1,679 |
| Net operating income to assets | 1.0372% | 2,830 |
| Return on assets (ROA) | 1.0353% | 2,923 |
| Pretax return on assets | 1.3634% | 2,447 |
| Return on Equity (ROE) | 7.7669% | 3,405 |
| Retained earnings to average equity (ytd only) | 5.1118% | 2,844 |
| Net charge-offs to loans | 0.0800% | 1,681 |
| Credit loss provision to net charge-offs | 227.2727% | 1,183 |
| Earnings coverage of net charge-offs (x) | 28.9933% | 1,661 |
| Efficiency ratio | 66.4215% | 2,672 |
| Assets per employee ($millions) | 5.2811% | 2,248 |
| Cash dividends to net income (ytd only)* | 34.1851% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0636% | 3,214 |
| Loan loss allowance to noncurrent loans | 369.6296% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 3,845 |
| Noncurrent loans to loans | 0.2877% | 3,506 |
| Net loans and leases to total assets | 62.7821% | 3,412 |
| Net loans and leases to deposits | 76.7249% | 3,229 |
| Net loans and leases to core deposits | 79.4303% | 3,432 |
| Total domestic deposits to total assets | 81.8275% | 3,522 |
| Equity capital to assets | 13.9101% | 1,190 |
| Core capital (leverage) ratio | 11.1631% | 2,500 |
| Tier 1 risk-based capital ratio | 16.1638% | 2,368 |
| Total risk-based capital ratio | 17.1348% | 2,409 |
| Memoranda: | ||
| Average total assets | $372,975,750 | 1,852 |
| Average earning assets | $335,769,250 | 1,874 |
| Average equity | $49,713,750 | 1,612 |
| Average total loans | $238,284,750 | 1,909 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0663% | 4,240 |
| Cost of funding earning assets | 0.7719% | 2,793 |
| Net interest margin | 3.2944% | 4,160 |
| Noninterest income to average assets | 1.4035% | 440 |
| Noninterest expense to average assets | 2.9689% | 2,087 |
| Loan and lease loss provision to assets | 0.1497% | 1,222 |
| Net operating income to assets | 0.9561% | 3,076 |
| Return on assets (ROA) | 0.9527% | 3,155 |
| Pretax return on assets | 1.2468% | 2,759 |
| Return on Equity (ROE) | 7.2521% | 3,581 |
| Retained earnings to average equity (ytd only) | 5.0545% | 2,745 |
| Net charge-offs to loans | 0.1044% | 1,346 |
| Credit loss provision to net charge-offs | 224.0000% | 1,118 |
| Earnings coverage of net charge-offs (x) | 20.9600% | 1,751 |
| Efficiency ratio | 67.3682% | 2,629 |
| Assets per employee ($millions) | 5.3748% | 2,074 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 3,495 |
| Loan loss allowance to noncurrent loans | 404.5902% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 3,950 |
| Noncurrent loans to loans | 0.2527% | 3,627 |
| Net loans and leases to total assets | 63.5035% | 3,397 |
| Net loans and leases to deposits | 77.0039% | 3,246 |
| Net loans and leases to core deposits | 79.5628% | 3,457 |
| Total domestic deposits to total assets | 82.4679% | 3,380 |
| Equity capital to assets | 13.4456% | 1,349 |
| Core capital (leverage) ratio | 11.1808% | 2,432 |
| Tier 1 risk-based capital ratio | 15.8259% | 2,489 |
| Total risk-based capital ratio | 16.7817% | 2,544 |
| Memoranda: | ||
| Average total assets | $374,076,330 | 1,853 |
| Average earning assets | $336,815,330 | 1,880 |
| Average equity | $49,144,330 | 1,620 |
| Average total loans | $239,518,330 | 1,903 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0088% | 4,349 |
| Cost of funding earning assets | 0.7551% | 2,769 |
| Net interest margin | 3.2538% | 4,268 |
| Noninterest income to average assets | 1.3244% | 487 |
| Noninterest expense to average assets | 2.9116% | 2,243 |
| Loan and lease loss provision to assets | 0.1501% | 1,119 |
| Net operating income to assets | 0.9179% | 3,171 |
| Return on assets (ROA) | 0.9094% | 3,244 |
| Pretax return on assets | 1.1818% | 2,870 |
| Return on Equity (ROE) | 7.0049% | 3,681 |
| Retained earnings to average equity (ytd only) | 5.5180% | 2,690 |
| Net charge-offs to loans | 0.1157% | 1,044 |
| Credit loss provision to net charge-offs | 202.8986% | 1,043 |
| Earnings coverage of net charge-offs (x) | 18.1449% | 1,632 |
| Efficiency ratio | 67.7590% | 2,673 |
| Assets per employee ($millions) | 5.5609% | 1,929 |
| Cash dividends to net income (ytd only)* | 21.2264% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 3,779 |
| Loan loss allowance to noncurrent loans | 264.0089% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2534% | 3,604 |
| Noncurrent loans to loans | 0.3744% | 3,241 |
| Net loans and leases to total assets | 64.0873% | 3,276 |
| Net loans and leases to deposits | 79.8103% | 2,859 |
| Net loans and leases to core deposits | 81.9148% | 3,195 |
| Total domestic deposits to total assets | 80.2994% | 4,115 |
| Equity capital to assets | 13.1637% | 1,364 |
| Core capital (leverage) ratio | 11.0783% | 2,502 |
| Tier 1 risk-based capital ratio | 15.7554% | 2,547 |
| Total risk-based capital ratio | 16.6879% | 2,591 |
| Memoranda: | ||
| Average total assets | $372,996,500 | 1,864 |
| Average earning assets | $335,857,500 | 1,896 |
| Average equity | $48,423,000 | 1,621 |
| Average total loans | $238,582,000 | 1,928 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7775% | 4,539 |
| Cost of funding earning assets | 0.5277% | 3,192 |
| Net interest margin | 3.2497% | 4,386 |
| Noninterest income to average assets | 1.4142% | 456 |
| Noninterest expense to average assets | 2.9188% | 2,285 |
| Loan and lease loss provision to assets | 0.1372% | 1,565 |
| Net operating income to assets | 0.9991% | 3,015 |
| Return on assets (ROA) | 0.9997% | 3,001 |
| Pretax return on assets | 1.2915% | 2,535 |
| Return on Equity (ROE) | 7.9677% | 3,452 |
| Retained earnings to average equity (ytd only) | 6.5958% | 1,867 |
| Net charge-offs to loans | 0.1281% | 1,471 |
| Credit loss provision to net charge-offs | 179.9283% | 1,573 |
| Earnings coverage of net charge-offs (x) | 18.7312% | 2,113 |
| Efficiency ratio | 66.4781% | 2,790 |
| Assets per employee ($millions) | 5.5734% | 1,890 |
| Cash dividends to net income (ytd only)* | 17.2178% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 3,807 |
| Loan loss allowance to noncurrent loans | 284.1523% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 3,661 |
| Noncurrent loans to loans | 0.3449% | 3,310 |
| Net loans and leases to total assets | 62.5824% | 3,506 |
| Net loans and leases to deposits | 80.1427% | 2,940 |
| Net loans and leases to core deposits | 82.4494% | 3,228 |
| Total domestic deposits to total assets | 78.0887% | 4,476 |
| Equity capital to assets | 12.8010% | 1,437 |
| Core capital (leverage) ratio | 10.9589% | 2,565 |
| Tier 1 risk-based capital ratio | 15.6010% | 2,577 |
| Total risk-based capital ratio | 16.5126% | 2,646 |
| Memoranda: | ||
| Average total assets | $366,009,200 | 1,850 |
| Average earning assets | $330,273,200 | 1,889 |
| Average equity | $45,923,200 | 1,639 |
| Average total loans | $217,839,400 | 2,041 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7201% | 4,616 |
| Cost of funding earning assets | 0.4762% | 3,354 |
| Net interest margin | 3.2439% | 4,419 |
| Noninterest income to average assets | 1.4027% | 485 |
| Noninterest expense to average assets | 2.9272% | 2,236 |
| Loan and lease loss provision to assets | 0.1197% | 1,693 |
| Net operating income to assets | 0.9994% | 3,086 |
| Return on assets (ROA) | 1.0003% | 3,096 |
| Pretax return on assets | 1.2873% | 2,670 |
| Return on Equity (ROE) | 8.0138% | 3,545 |
| Retained earnings to average equity (ytd only) | 6.4298% | 2,419 |
| Net charge-offs to loans | 0.0944% | 1,547 |
| Credit loss provision to net charge-offs | 216.5563% | 1,303 |
| Earnings coverage of net charge-offs (x) | 25.4302% | 1,778 |
| Efficiency ratio | 66.8779% | 2,733 |
| Assets per employee ($millions) | 5.4624% | 1,949 |
| Cash dividends to net income (ytd only)* | 19.7657% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 3,824 |
| Loan loss allowance to noncurrent loans | 314.4244% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 3,855 |
| Noncurrent loans to loans | 0.3153% | 3,538 |
| Net loans and leases to total assets | 61.8671% | 3,671 |
| Net loans and leases to deposits | 75.1784% | 3,492 |
| Net loans and leases to core deposits | 76.6227% | 3,761 |
| Total domestic deposits to total assets | 82.2937% | 3,523 |
| Equity capital to assets | 12.5715% | 1,540 |
| Core capital (leverage) ratio | 10.5147% | 3,066 |
| Tier 1 risk-based capital ratio | 15.7135% | 2,563 |
| Total risk-based capital ratio | 16.6345% | 2,630 |
| Memoranda: | ||
| Average total assets | $364,157,750 | 1,866 |
| Average earning assets | $328,982,500 | 1,903 |
| Average equity | $45,453,750 | 1,654 |
| Average total loans | $213,298,000 | 2,082 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6044% | 4,761 |
| Cost of funding earning assets | 0.4114% | 3,642 |
| Net interest margin | 3.1930% | 4,520 |
| Noninterest income to average assets | 1.3896% | 495 |
| Noninterest expense to average assets | 2.9069% | 2,340 |
| Loan and lease loss provision to assets | 0.1106% | 1,784 |
| Net operating income to assets | 0.9825% | 3,098 |
| Return on assets (ROA) | 0.9825% | 3,103 |
| Pretax return on assets | 1.2587% | 2,684 |
| Return on Equity (ROE) | 7.8907% | 3,545 |
| Retained earnings to average equity (ytd only) | 5.5049% | 2,824 |
| Net charge-offs to loans | 0.0106% | 2,768 |
| Credit loss provision to net charge-offs | 1,827.2727% | 232 |
| Earnings coverage of net charge-offs (x) | 226.2727% | 391 |
| Efficiency ratio | 67.2971% | 2,762 |
| Assets per employee ($millions) | 5.6545% | 1,756 |
| Cash dividends to net income (ytd only)* | 30.2352% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 3,438 |
| Loan loss allowance to noncurrent loans | 337.7778% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.1782% | 4,090 |
| Noncurrent loans to loans | 0.3167% | 3,573 |
| Net loans and leases to total assets | 55.6573% | 4,192 |
| Net loans and leases to deposits | 67.9710% | 4,020 |
| Net loans and leases to core deposits | 69.5024% | 4,173 |
| Total domestic deposits to total assets | 81.8838% | 3,756 |
| Equity capital to assets | 11.9979% | 1,856 |
| Core capital (leverage) ratio | 10.6176% | 2,904 |
| Tier 1 risk-based capital ratio | 16.0074% | 2,434 |
| Total risk-based capital ratio | 16.9753% | 2,485 |
| Memoranda: | ||
| Average total assets | $363,551,000 | 1,872 |
| Average earning assets | $328,657,000 | 1,914 |
| Average equity | $45,268,670 | 1,664 |
| Average total loans | $208,168,330 | 2,115 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6167% | 4,670 |
| Cost of funding earning assets | 0.3844% | 3,700 |
| Net interest margin | 3.2323% | 4,364 |
| Noninterest income to average assets | 1.4319% | 459 |
| Noninterest expense to average assets | 3.0559% | 1,931 |
| Loan and lease loss provision to assets | 0.1135% | 1,665 |
| Net operating income to assets | 0.9306% | 3,156 |
| Return on assets (ROA) | 0.9306% | 3,177 |
| Pretax return on assets | 1.1823% | 2,829 |
| Return on Equity (ROE) | 7.3313% | 3,656 |
| Retained earnings to average equity (ytd only) | 5.7376% | 2,836 |
| Net charge-offs to loans | 0.0058% | 2,523 |
| Credit loss provision to net charge-offs | 3,366.6667% | 119 |
| Earnings coverage of net charge-offs (x) | 384.3333% | 179 |
| Efficiency ratio | 69.5248% | 2,568 |
| Assets per employee ($millions) | 5.3934% | 2,043 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 3,591 |
| Loan loss allowance to noncurrent loans | 448.3607% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 4,392 |
| Noncurrent loans to loans | 0.2368% | 3,925 |
| Net loans and leases to total assets | 58.1551% | 3,924 |
| Net loans and leases to deposits | 68.2114% | 3,933 |
| Net loans and leases to core deposits | 69.6235% | 4,102 |
| Total domestic deposits to total assets | 85.2571% | 2,835 |
| Equity capital to assets | 12.8218% | 1,329 |
| Core capital (leverage) ratio | 10.6397% | 2,807 |
| Tier 1 risk-based capital ratio | 16.3925% | 2,325 |
| Total risk-based capital ratio | 17.3597% | 2,373 |
| Memoranda: | ||
| Average total assets | $355,902,000 | 1,919 |
| Average earning assets | $321,509,000 | 1,956 |
| Average equity | $45,176,000 | 1,673 |
| Average total loans | $205,684,000 | 2,154 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6974% | 4,343 |
| Cost of funding earning assets | 0.3195% | 3,957 |
| Net interest margin | 3.3779% | 3,917 |
| Noninterest income to average assets | 1.4673% | 488 |
| Noninterest expense to average assets | 2.9707% | 2,246 |
| Loan and lease loss provision to assets | 0.0808% | 2,589 |
| Net operating income to assets | 1.2329% | 1,416 |
| Return on assets (ROA) | 1.2275% | 1,453 |
| Pretax return on assets | 1.4758% | 1,736 |
| Return on Equity (ROE) | 9.9337% | 1,915 |
| Retained earnings to average equity (ytd only) | 8.7981% | 543 |
| Net charge-offs to loans | 0.2959% | 882 |
| Credit loss provision to net charge-offs | 46.4927% | 3,371 |
| Earnings coverage of net charge-offs (x) | 8.9951% | 2,837 |
| Efficiency ratio | 64.8534% | 3,472 |
| Assets per employee ($millions) | 5.3916% | 2,059 |
| Cash dividends to net income (ytd only)* | 11.4319% | 3,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 3,825 |
| Loan loss allowance to noncurrent loans | 413.8614% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 4,442 |
| Noncurrent loans to loans | 0.2460% | 3,913 |
| Net loans and leases to total assets | 56.2560% | 4,164 |
| Net loans and leases to deposits | 65.2106% | 4,239 |
| Net loans and leases to core deposits | 66.6250% | 4,384 |
| Total domestic deposits to total assets | 86.2683% | 2,325 |
| Equity capital to assets | 12.5688% | 1,476 |
| Core capital (leverage) ratio | 10.6029% | 2,737 |
| Tier 1 risk-based capital ratio | 15.9952% | 2,432 |
| Total risk-based capital ratio | 16.9124% | 2,501 |
| Memoranda: | ||
| Average total assets | $352,750,600 | 1,904 |
| Average earning assets | $320,225,600 | 1,935 |
| Average equity | $43,589,000 | 1,703 |
| Average total loans | $207,188,600 | 2,103 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6597% | 4,422 |
| Cost of funding earning assets | 0.3054% | 4,083 |
| Net interest margin | 3.3543% | 3,997 |
| Noninterest income to average assets | 1.5267% | 467 |
| Noninterest expense to average assets | 2.8793% | 2,473 |
| Loan and lease loss provision to assets | 0.0799% | 2,489 |
| Net operating income to assets | 1.0931% | 2,118 |
| Return on assets (ROA) | 1.0864% | 2,206 |
| Pretax return on assets | 1.6070% | 1,394 |
| Return on Equity (ROE) | 8.8309% | 2,712 |
| Retained earnings to average equity (ytd only) | 7.3008% | 1,535 |
| Net charge-offs to loans | 0.2966% | 713 |
| Credit loss provision to net charge-offs | 45.4545% | 2,961 |
| Earnings coverage of net charge-offs (x) | 9.6581% | 2,669 |
| Efficiency ratio | 62.4398% | 3,815 |
| Assets per employee ($millions) | 5.3281% | 2,090 |
| Cash dividends to net income (ytd only)* | 17.3258% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 3,784 |
| Loan loss allowance to noncurrent loans | 283.5079% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 4,194 |
| Noncurrent loans to loans | 0.3708% | 3,621 |
| Net loans and leases to total assets | 57.9741% | 4,060 |
| Net loans and leases to deposits | 68.4996% | 4,078 |
| Net loans and leases to core deposits | 69.9210% | 4,244 |
| Total domestic deposits to total assets | 84.6342% | 2,867 |
| Equity capital to assets | 12.6749% | 1,564 |
| Core capital (leverage) ratio | 10.2690% | 3,233 |
| Tier 1 risk-based capital ratio | 15.9233% | 2,539 |
| Total risk-based capital ratio | 16.8956% | 2,595 |
| Memoranda: | ||
| Average total assets | $350,629,250 | 1,920 |
| Average earning assets | $318,743,500 | 1,957 |
| Average equity | $43,135,500 | 1,737 |
| Average total loans | $207,659,000 | 2,103 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6463% | 4,374 |
| Cost of funding earning assets | 0.2785% | 4,307 |
| Net interest margin | 3.3678% | 3,886 |
| Noninterest income to average assets | 1.5644% | 446 |
| Noninterest expense to average assets | 2.8548% | 2,564 |
| Loan and lease loss provision to assets | 0.0771% | 2,439 |
| Net operating income to assets | 1.1704% | 1,699 |
| Return on assets (ROA) | 1.1602% | 1,781 |
| Pretax return on assets | 1.6838% | 1,097 |
| Return on Equity (ROE) | 9.5272% | 2,252 |
| Retained earnings to average equity (ytd only) | 7.2064% | 1,495 |
| Net charge-offs to loans | 0.1499% | 1,254 |
| Credit loss provision to net charge-offs | 86.5385% | 2,185 |
| Earnings coverage of net charge-offs (x) | 19.9359% | 1,815 |
| Efficiency ratio | 60.9988% | 4,168 |
| Assets per employee ($millions) | 5.3446% | 2,014 |
| Cash dividends to net income (ytd only)* | 24.3602% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 3,203 |
| Loan loss allowance to noncurrent loans | 224.8593% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 3,943 |
| Noncurrent loans to loans | 0.5192% | 3,199 |
| Net loans and leases to total assets | 56.6720% | 4,159 |
| Net loans and leases to deposits | 65.4206% | 4,264 |
| Net loans and leases to core deposits | 66.5442% | 4,436 |
| Total domestic deposits to total assets | 86.6272% | 2,121 |
| Equity capital to assets | 12.2585% | 1,752 |
| Core capital (leverage) ratio | 9.9978% | 3,543 |
| Tier 1 risk-based capital ratio | 15.4958% | 2,706 |
| Total risk-based capital ratio | 16.5686% | 2,725 |
| Memoranda: | ||
| Average total assets | $350,286,670 | 1,927 |
| Average earning assets | $318,900,670 | 1,959 |
| Average equity | $42,656,670 | 1,754 |
| Average total loans | $208,200,000 | 2,101 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6087% | 4,394 |
| Cost of funding earning assets | 0.2498% | 4,540 |
| Net interest margin | 3.3589% | 3,804 |
| Noninterest income to average assets | 1.5774% | 451 |
| Noninterest expense to average assets | 2.8742% | 2,536 |
| Loan and lease loss provision to assets | 0.0693% | 2,426 |
| Net operating income to assets | 1.1697% | 1,591 |
| Return on assets (ROA) | 1.1490% | 1,710 |
| Pretax return on assets | 1.6629% | 1,085 |
| Return on Equity (ROE) | 9.4678% | 2,196 |
| Retained earnings to average equity (ytd only) | 9.4678% | 930 |
| Net charge-offs to loans | 0.3358% | 547 |
| Credit loss provision to net charge-offs | 34.0909% | 2,091 |
| Earnings coverage of net charge-offs (x) | 8.6705% | 2,041 |
| Efficiency ratio | 61.3200% | 4,261 |
| Assets per employee ($millions) | 5.1944% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 3,724 |
| Loan loss allowance to noncurrent loans | 215.9475% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 3,965 |
| Noncurrent loans to loans | 0.5087% | 3,290 |
| Net loans and leases to total assets | 59.5546% | 3,831 |
| Net loans and leases to deposits | 68.7167% | 3,917 |
| Net loans and leases to core deposits | 69.7344% | 4,164 |
| Total domestic deposits to total assets | 86.6668% | 2,364 |
| Equity capital to assets | 12.2499% | 1,687 |
| Core capital (leverage) ratio | 10.1003% | 3,375 |
| Tier 1 risk-based capital ratio | 15.4760% | 2,764 |
| Total risk-based capital ratio | 16.5219% | 2,778 |
| Memoranda: | ||
| Average total assets | $346,387,500 | 1,955 |
| Average earning assets | $315,461,500 | 1,993 |
| Average equity | $42,037,000 | 1,777 |
| Average total loans | $209,634,500 | 2,100 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7091% | 4,184 |
| Cost of funding earning assets | 0.2435% | 4,623 |
| Net interest margin | 3.4656% | 3,561 |
| Noninterest income to average assets | 1.5808% | 492 |
| Noninterest expense to average assets | 3.0686% | 2,122 |
| Loan and lease loss provision to assets | 0.1648% | 1,496 |
| Net operating income to assets | 1.0653% | 2,063 |
| Return on assets (ROA) | 1.0828% | 2,076 |
| Pretax return on assets | 1.5130% | 1,546 |
| Return on Equity (ROE) | 8.8963% | 2,470 |
| Retained earnings to average equity (ytd only) | -3.9769% | 5,635 |
| Net charge-offs to loans | 0.1333% | 1,915 |
| Credit loss provision to net charge-offs | 203.8462% | 1,388 |
| Earnings coverage of net charge-offs (x) | 20.4577% | 1,854 |
| Efficiency ratio | 64.3845% | 3,870 |
| Assets per employee ($millions) | 4.7882% | 2,672 |
| Cash dividends to net income (ytd only)* | 144.7028% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 3,412 |
| Loan loss allowance to noncurrent loans | 195.9481% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3910% | 3,705 |
| Noncurrent loans to loans | 0.5885% | 3,084 |
| Net loans and leases to total assets | 60.1259% | 3,835 |
| Net loans and leases to deposits | 71.9161% | 3,716 |
| Net loans and leases to core deposits | 72.8044% | 4,027 |
| Total domestic deposits to total assets | 83.6057% | 3,569 |
| Equity capital to assets | 12.0207% | 1,788 |
| Core capital (leverage) ratio | 9.7952% | 3,756 |
| Tier 1 risk-based capital ratio | 14.9573% | 2,983 |
| Total risk-based capital ratio | 16.0452% | 2,998 |
| Memoranda: | ||
| Average total assets | $321,679,400 | 2,049 |
| Average earning assets | $291,578,600 | 2,089 |
| Average equity | $39,151,200 | 1,874 |
| Average total loans | $195,116,000 | 2,156 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6867% | 4,296 |
| Cost of funding earning assets | 0.2498% | 4,606 |
| Net interest margin | 3.4369% | 3,717 |
| Noninterest income to average assets | 1.5987% | 478 |
| Noninterest expense to average assets | 3.0269% | 2,239 |
| Loan and lease loss provision to assets | 0.1857% | 1,175 |
| Net operating income to assets | 1.0762% | 2,096 |
| Return on assets (ROA) | 1.0999% | 2,097 |
| Pretax return on assets | 1.5320% | 1,603 |
| Return on Equity (ROE) | 9.0065% | 2,484 |
| Retained earnings to average equity (ytd only) | -8.4120% | 5,824 |
| Net charge-offs to loans | 0.3412% | 672 |
| Credit loss provision to net charge-offs | 89.7959% | 2,531 |
| Earnings coverage of net charge-offs (x) | 8.1469% | 2,804 |
| Efficiency ratio | 63.7406% | 3,960 |
| Assets per employee ($millions) | 5.1577% | 2,176 |
| Cash dividends to net income (ytd only)* | 193.3998% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 4,431 |
| Loan loss allowance to noncurrent loans | 81.9531% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 0.7514% | 2,679 |
| Noncurrent loans to loans | 1.2165% | 1,842 |
| Net loans and leases to total assets | 58.5410% | 4,043 |
| Net loans and leases to deposits | 67.3456% | 4,217 |
| Net loans and leases to core deposits | 68.2388% | 4,449 |
| Total domestic deposits to total assets | 86.9262% | 1,924 |
| Equity capital to assets | 11.8681% | 2,206 |
| Core capital (leverage) ratio | 9.3924% | 4,339 |
| Tier 1 risk-based capital ratio | 14.5599% | 3,258 |
| Total risk-based capital ratio | 15.5081% | 3,349 |
| Memoranda: | ||
| Average total assets | $315,912,250 | 2,087 |
| Average earning assets | $286,139,750 | 2,127 |
| Average equity | $38,578,750 | 1,908 |
| Average total loans | $191,469,750 | 2,194 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6862% | 4,339 |
| Cost of funding earning assets | 0.2457% | 4,697 |
| Net interest margin | 3.4405% | 3,725 |
| Noninterest income to average assets | 1.6564% | 455 |
| Noninterest expense to average assets | 2.9366% | 2,562 |
| Loan and lease loss provision to assets | 0.0859% | 2,426 |
| Net operating income to assets | 1.2573% | 1,398 |
| Return on assets (ROA) | 1.2968% | 1,387 |
| Pretax return on assets | 1.7978% | 885 |
| Return on Equity (ROE) | 10.5033% | 1,848 |
| Retained earnings to average equity (ytd only) | -16.4777% | 5,945 |
| Net charge-offs to loans | 0.0281% | 2,925 |
| Credit loss provision to net charge-offs | 500.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 106.4231% | 542 |
| Efficiency ratio | 61.0957% | 4,497 |
| Assets per employee ($millions) | 4.7126% | 2,692 |
| Cash dividends to net income (ytd only)* | 256.8807% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 3,383 |
| Loan loss allowance to noncurrent loans | 178.0237% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 3,848 |
| Noncurrent loans to loans | 0.6725% | 3,052 |
| Net loans and leases to total assets | 60.6769% | 3,791 |
| Net loans and leases to deposits | 69.7592% | 4,003 |
| Net loans and leases to core deposits | 70.7114% | 4,278 |
| Total domestic deposits to total assets | 86.9806% | 1,927 |
| Equity capital to assets | 11.5360% | 2,508 |
| Core capital (leverage) ratio | 9.0296% | 4,794 |
| Tier 1 risk-based capital ratio | 14.1816% | 3,507 |
| Total risk-based capital ratio | 15.3825% | 3,444 |
| Memoranda: | ||
| Average total assets | $302,590,000 | 2,166 |
| Average earning assets | $273,452,000 | 2,217 |
| Average equity | $37,359,670 | 1,973 |
| Average total loans | $185,148,670 | 2,265 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6767% | 4,402 |
| Cost of funding earning assets | 0.2546% | 4,653 |
| Net interest margin | 3.4220% | 3,794 |
| Noninterest income to average assets | 1.5256% | 490 |
| Noninterest expense to average assets | 2.8757% | 2,790 |
| Loan and lease loss provision to assets | 0.0798% | 2,364 |
| Net operating income to assets | 1.1519% | 1,705 |
| Return on assets (ROA) | 1.2290% | 1,569 |
| Pretax return on assets | 1.7744% | 889 |
| Return on Equity (ROE) | 9.6323% | 2,142 |
| Retained earnings to average equity (ytd only) | 9.6323% | 947 |
| Net charge-offs to loans | -0.0044% | 4,253 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7224% | 4,482 |
| Assets per employee ($millions) | 4.6105% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 3,450 |
| Loan loss allowance to noncurrent loans | 132.8125% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 3,424 |
| Noncurrent loans to loans | 0.9066% | 2,586 |
| Net loans and leases to total assets | 59.5922% | 3,836 |
| Net loans and leases to deposits | 69.4330% | 3,907 |
| Net loans and leases to core deposits | 70.2616% | 4,225 |
| Total domestic deposits to total assets | 85.8269% | 2,751 |
| Equity capital to assets | 12.8119% | 1,503 |
| Core capital (leverage) ratio | 10.5255% | 2,931 |
| Tier 1 risk-based capital ratio | 15.8997% | 2,732 |
| Total risk-based capital ratio | 17.0486% | 2,713 |
| Memoranda: | ||
| Average total assets | $300,725,500 | 2,184 |
| Average earning assets | $271,768,500 | 2,232 |
| Average equity | $38,371,000 | 1,914 |
| Average total loans | $183,664,500 | 2,277 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8151% | 3,999 |
| Cost of funding earning assets | 0.2364% | 4,932 |
| Net interest margin | 3.5788% | 3,214 |
| Noninterest income to average assets | 1.5314% | 533 |
| Noninterest expense to average assets | 3.0352% | 2,432 |
| Loan and lease loss provision to assets | 0.0983% | 2,348 |
| Net operating income to assets | 1.1485% | 1,740 |
| Return on assets (ROA) | 1.1580% | 1,781 |
| Pretax return on assets | 1.6490% | 1,117 |
| Return on Equity (ROE) | 8.8896% | 2,505 |
| Retained earnings to average equity (ytd only) | -0.9510% | 5,651 |
| Net charge-offs to loans | 0.0153% | 3,982 |
| Credit loss provision to net charge-offs | 1,040.7407% | 322 |
| Earnings coverage of net charge-offs (x) | 183.4815% | 360 |
| Efficiency ratio | 63.0146% | 4,437 |
| Assets per employee ($millions) | 4.4352% | 3,145 |
| Cash dividends to net income (ytd only)* | 110.6981% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 3,655 |
| Loan loss allowance to noncurrent loans | 132.4291% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5458% | 3,467 |
| Noncurrent loans to loans | 0.8826% | 2,587 |
| Net loans and leases to total assets | 61.1245% | 3,673 |
| Net loans and leases to deposits | 71.0934% | 3,807 |
| Net loans and leases to core deposits | 71.9310% | 4,138 |
| Total domestic deposits to total assets | 85.9777% | 2,648 |
| Equity capital to assets | 12.7058% | 1,506 |
| Core capital (leverage) ratio | 10.2921% | 3,162 |
| Tier 1 risk-based capital ratio | 15.5071% | 2,925 |
| Total risk-based capital ratio | 16.6286% | 2,935 |
| Memoranda: | ||
| Average total assets | $285,746,600 | 2,232 |
| Average earning assets | $258,497,000 | 2,274 |
| Average equity | $37,223,400 | 1,922 |
| Average total loans | $176,556,200 | 2,277 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8109% | 4,051 |
| Cost of funding earning assets | 0.2354% | 5,037 |
| Net interest margin | 3.5755% | 3,255 |
| Noninterest income to average assets | 1.5431% | 525 |
| Noninterest expense to average assets | 3.0267% | 2,443 |
| Loan and lease loss provision to assets | 0.0641% | 2,902 |
| Net operating income to assets | 1.1670% | 1,769 |
| Return on assets (ROA) | 1.1797% | 1,788 |
| Pretax return on assets | 1.7066% | 1,083 |
| Return on Equity (ROE) | 8.9976% | 2,582 |
| Retained earnings to average equity (ytd only) | -2.0023% | 5,857 |
| Net charge-offs to loans | 0.0153% | 3,649 |
| Credit loss provision to net charge-offs | 680.0000% | 501 |
| Earnings coverage of net charge-offs (x) | 185.8721% | 384 |
| Efficiency ratio | 62.6726% | 4,464 |
| Assets per employee ($millions) | 4.3407% | 3,256 |
| Cash dividends to net income (ytd only)* | 122.2534% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 4,207 |
| Loan loss allowance to noncurrent loans | 4,102.0408% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 5,620 |
| Noncurrent loans to loans | 0.0269% | 5,523 |
| Net loans and leases to total assets | 61.9486% | 3,615 |
| Net loans and leases to deposits | 74.2982% | 3,511 |
| Net loans and leases to core deposits | 75.1414% | 3,895 |
| Total domestic deposits to total assets | 83.3783% | 3,663 |
| Equity capital to assets | 12.9402% | 1,477 |
| Core capital (leverage) ratio | 10.4720% | 3,069 |
| Tier 1 risk-based capital ratio | 15.1961% | 3,188 |
| Total risk-based capital ratio | 16.2402% | 3,239 |
| Memoranda: | ||
| Average total assets | $282,894,250 | 2,265 |
| Average earning assets | $256,033,500 | 2,308 |
| Average equity | $37,090,250 | 1,936 |
| Average total loans | $174,749,500 | 2,314 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7908% | 4,099 |
| Cost of funding earning assets | 0.2362% | 5,087 |
| Net interest margin | 3.5546% | 3,268 |
| Noninterest income to average assets | 1.5158% | 555 |
| Noninterest expense to average assets | 3.0416% | 2,420 |
| Loan and lease loss provision to assets | 0.0971% | 2,203 |
| Net operating income to assets | 1.1132% | 1,898 |
| Return on assets (ROA) | 1.1211% | 1,961 |
| Pretax return on assets | 1.6100% | 1,303 |
| Return on Equity (ROE) | 8.5128% | 2,793 |
| Retained earnings to average equity (ytd only) | -8.0685% | 6,129 |
| Net charge-offs to loans | 0.0012% | 3,868 |
| Credit loss provision to net charge-offs | 13,600.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 2,376.0000% | 21 |
| Efficiency ratio | 63.5131% | 4,425 |
| Assets per employee ($millions) | 4.2833% | 3,334 |
| Cash dividends to net income (ytd only)* | 194.7804% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 4,129 |
| Loan loss allowance to noncurrent loans | 1,597.6378% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 5,685 |
| Noncurrent loans to loans | 0.0715% | 5,446 |
| Net loans and leases to total assets | 61.2236% | 3,661 |
| Net loans and leases to deposits | 71.1240% | 3,812 |
| Net loans and leases to core deposits | 71.9883% | 4,138 |
| Total domestic deposits to total assets | 86.0802% | 2,658 |
| Equity capital to assets | 12.6598% | 1,571 |
| Core capital (leverage) ratio | 10.2879% | 3,231 |
| Tier 1 risk-based capital ratio | 15.3662% | 3,175 |
| Total risk-based capital ratio | 16.4673% | 3,175 |
| Memoranda: | ||
| Average total assets | $280,249,000 | 2,301 |
| Average earning assets | $253,982,330 | 2,339 |
| Average equity | $36,909,000 | 1,954 |
| Average total loans | $172,274,330 | 2,345 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7869% | 4,061 |
| Cost of funding earning assets | 0.2379% | 5,145 |
| Net interest margin | 3.5490% | 3,226 |
| Noninterest income to average assets | 1.5516% | 510 |
| Noninterest expense to average assets | 3.1089% | 2,241 |
| Loan and lease loss provision to assets | 0.1531% | 1,331 |
| Net operating income to assets | 1.0546% | 2,014 |
| Return on assets (ROA) | 1.0546% | 2,150 |
| Pretax return on assets | 1.5010% | 1,567 |
| Return on Equity (ROE) | 7.8499% | 3,036 |
| Retained earnings to average equity (ytd only) | -25.0551% | 6,313 |
| Net charge-offs to loans | 0.0189% | 2,781 |
| Credit loss provision to net charge-offs | 1,325.0000% | 274 |
| Earnings coverage of net charge-offs (x) | 143.1250% | 369 |
| Efficiency ratio | 64.5435% | 4,390 |
| Assets per employee ($millions) | 4.1813% | 3,590 |
| Cash dividends to net income (ytd only)* | 419.1781% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 4,172 |
| Loan loss allowance to noncurrent loans | 4,742.8571% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 5,890 |
| Noncurrent loans to loans | 0.0246% | 5,704 |
| Net loans and leases to total assets | 60.3281% | 3,605 |
| Net loans and leases to deposits | 71.2507% | 3,620 |
| Net loans and leases to core deposits | 71.9912% | 3,962 |
| Total domestic deposits to total assets | 84.6702% | 3,551 |
| Equity capital to assets | 12.9096% | 1,445 |
| Core capital (leverage) ratio | 10.1808% | 3,365 |
| Tier 1 risk-based capital ratio | 15.6908% | 3,063 |
| Total risk-based capital ratio | 16.8289% | 3,049 |
| Memoranda: | ||
| Average total assets | $276,884,000 | 2,337 |
| Average earning assets | $250,551,000 | 2,380 |
| Average equity | $37,198,000 | 1,958 |
| Average total loans | $169,547,500 | 2,372 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7762% | 4,559 |
| Cost of funding earning assets | 0.2417% | 5,408 |
| Net interest margin | 3.5345% | 3,666 |
| Noninterest income to average assets | 1.4910% | 548 |
| Noninterest expense to average assets | 2.9472% | 3,010 |
| Loan and lease loss provision to assets | 0.0844% | 2,793 |
| Net operating income to assets | 1.1581% | 1,733 |
| Return on assets (ROA) | 1.1833% | 1,709 |
| Pretax return on assets | 1.6932% | 1,001 |
| Return on Equity (ROE) | 9.0111% | 2,577 |
| Retained earnings to average equity (ytd only) | 6.0821% | 1,873 |
| Net charge-offs to loans | 0.1559% | 2,472 |
| Credit loss provision to net charge-offs | 94.7581% | 2,541 |
| Earnings coverage of net charge-offs (x) | 19.5565% | 1,775 |
| Efficiency ratio | 61.9744% | 4,922 |
| Assets per employee ($millions) | 4.0238% | 3,898 |
| Cash dividends to net income (ytd only)* | 32.5038% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 4,406 |
| Loan loss allowance to noncurrent loans | 23,675.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 6,084 |
| Noncurrent loans to loans | 0.0048% | 5,907 |
| Net loans and leases to total assets | 60.7415% | 3,686 |
| Net loans and leases to deposits | 73.0012% | 3,553 |
| Net loans and leases to core deposits | 73.5986% | 3,954 |
| Total domestic deposits to total assets | 83.2063% | 4,004 |
| Equity capital to assets | 13.9719% | 960 |
| Core capital (leverage) ratio | 10.8568% | 2,548 |
| Tier 1 risk-based capital ratio | 16.6336% | 2,659 |
| Total risk-based capital ratio | 17.7158% | 2,678 |
| Memoranda: | ||
| Average total assets | $278,469,400 | 2,292 |
| Average earning assets | $251,943,800 | 2,332 |
| Average equity | $36,566,200 | 1,922 |
| Average total loans | $159,074,200 | 2,437 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7260% | 4,788 |
| Cost of funding earning assets | 0.2412% | 5,496 |
| Net interest margin | 3.4848% | 3,890 |
| Noninterest income to average assets | 1.4864% | 571 |
| Noninterest expense to average assets | 2.9333% | 3,013 |
| Loan and lease loss provision to assets | 0.0763% | 2,812 |
| Net operating income to assets | 1.1697% | 1,795 |
| Return on assets (ROA) | 1.1742% | 1,849 |
| Pretax return on assets | 1.6375% | 1,217 |
| Return on Equity (ROE) | 9.0841% | 2,638 |
| Retained earnings to average equity (ytd only) | 6.2626% | 2,241 |
| Net charge-offs to loans | 0.1471% | 2,320 |
| Credit loss provision to net charge-offs | 92.4855% | 2,390 |
| Earnings coverage of net charge-offs (x) | 20.7053% | 1,713 |
| Efficiency ratio | 62.2907% | 4,846 |
| Assets per employee ($millions) | 4.0995% | 3,671 |
| Cash dividends to net income (ytd only)* | 31.0595% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 4,671 |
| Loan loss allowance to noncurrent loans | 2,228.2353% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 6,049 |
| Noncurrent loans to loans | 0.0501% | 5,813 |
| Net loans and leases to total assets | 60.1266% | 3,765 |
| Net loans and leases to deposits | 72.4555% | 3,639 |
| Net loans and leases to core deposits | 72.8608% | 4,067 |
| Total domestic deposits to total assets | 82.9842% | 4,156 |
| Equity capital to assets | 13.4572% | 1,203 |
| Core capital (leverage) ratio | 10.4971% | 3,046 |
| Tier 1 risk-based capital ratio | 16.2822% | 2,915 |
| Total risk-based capital ratio | 17.3621% | 2,955 |
| Memoranda: | ||
| Average total assets | $279,681,750 | 2,298 |
| Average earning assets | $253,167,250 | 2,335 |
| Average equity | $36,150,250 | 1,949 |
| Average total loans | $156,819,000 | 2,480 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6773% | 4,929 |
| Cost of funding earning assets | 0.2431% | 5,559 |
| Net interest margin | 3.4342% | 4,043 |
| Noninterest income to average assets | 1.4608% | 568 |
| Noninterest expense to average assets | 2.9123% | 3,122 |
| Loan and lease loss provision to assets | 0.0607% | 3,057 |
| Net operating income to assets | 1.1560% | 1,733 |
| Return on assets (ROA) | 1.1529% | 1,824 |
| Pretax return on assets | 1.5915% | 1,272 |
| Return on Equity (ROE) | 9.0431% | 2,571 |
| Retained earnings to average equity (ytd only) | 6.4714% | 2,050 |
| Net charge-offs to loans | 0.2648% | 1,492 |
| Credit loss provision to net charge-offs | 42.0792% | 2,899 |
| Earnings coverage of net charge-offs (x) | 11.4802% | 2,156 |
| Efficiency ratio | 62.7736% | 4,895 |
| Assets per employee ($millions) | 4.1062% | 3,631 |
| Cash dividends to net income (ytd only)* | 28.4387% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 4,860 |
| Loan loss allowance to noncurrent loans | 1,737.8641% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 5,775 |
| Noncurrent loans to loans | 0.0639% | 5,836 |
| Net loans and leases to total assets | 57.1182% | 4,098 |
| Net loans and leases to deposits | 70.7449% | 3,729 |
| Net loans and leases to core deposits | 71.2201% | 4,127 |
| Total domestic deposits to total assets | 80.7382% | 5,055 |
| Equity capital to assets | 13.1734% | 1,278 |
| Core capital (leverage) ratio | 10.2149% | 3,317 |
| Tier 1 risk-based capital ratio | 16.4247% | 2,863 |
| Total risk-based capital ratio | 17.4752% | 2,914 |
| Memoranda: | ||
| Average total assets | $279,987,330 | 2,291 |
| Average earning assets | $253,390,330 | 2,326 |
| Average equity | $35,695,670 | 1,958 |
| Average total loans | $152,590,000 | 2,536 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6056% | 5,149 |
| Cost of funding earning assets | 0.2443% | 5,643 |
| Net interest margin | 3.3613% | 4,286 |
| Noninterest income to average assets | 1.5437% | 497 |
| Noninterest expense to average assets | 2.8876% | 3,260 |
| Loan and lease loss provision to assets | 0.0428% | 3,238 |
| Net operating income to assets | 1.1899% | 1,512 |
| Return on assets (ROA) | 1.1899% | 1,582 |
| Pretax return on assets | 1.6564% | 1,061 |
| Return on Equity (ROE) | 9.4902% | 2,252 |
| Retained earnings to average equity (ytd only) | 7.7492% | 1,703 |
| Net charge-offs to loans | 0.0405% | 2,820 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 79.4000% | 541 |
| Efficiency ratio | 61.9596% | 5,126 |
| Assets per employee ($millions) | 4.0535% | 3,816 |
| Cash dividends to net income (ytd only)* | 18.3453% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 4,193 |
| Loan loss allowance to noncurrent loans | 589.5706% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 5,513 |
| Noncurrent loans to loans | 0.2182% | 5,441 |
| Net loans and leases to total assets | 52.7257% | 4,571 |
| Net loans and leases to deposits | 64.3086% | 4,283 |
| Net loans and leases to core deposits | 64.6625% | 4,628 |
| Total domestic deposits to total assets | 81.9886% | 4,947 |
| Equity capital to assets | 12.7846% | 1,406 |
| Core capital (leverage) ratio | 10.1600% | 3,338 |
| Tier 1 risk-based capital ratio | 17.1153% | 2,634 |
| Total risk-based capital ratio | 18.3122% | 2,616 |
| Memoranda: | ||
| Average total assets | $280,370,500 | 2,300 |
| Average earning assets | $253,828,500 | 2,329 |
| Average equity | $35,152,000 | 1,977 |
| Average total loans | $148,247,000 | 2,609 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8126% | 4,769 |
| Cost of funding earning assets | 0.2965% | 5,628 |
| Net interest margin | 3.5161% | 3,825 |
| Noninterest income to average assets | 1.6786% | 511 |
| Noninterest expense to average assets | 3.0764% | 2,817 |
| Loan and lease loss provision to assets | 0.0539% | 4,063 |
| Net operating income to assets | 1.2546% | 1,378 |
| Return on assets (ROA) | 1.2608% | 1,415 |
| Pretax return on assets | 1.7588% | 836 |
| Return on Equity (ROE) | 10.1902% | 2,030 |
| Retained earnings to average equity (ytd only) | 8.5427% | 894 |
| Net charge-offs to loans | 0.0308% | 4,818 |
| Credit loss provision to net charge-offs | 340.9091% | 668 |
| Earnings coverage of net charge-offs (x) | 114.0455% | 416 |
| Efficiency ratio | 61.9079% | 5,231 |
| Assets per employee ($millions) | 4.0732% | 3,705 |
| Cash dividends to net income (ytd only)* | 16.1677% | 3,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 4,161 |
| Loan loss allowance to noncurrent loans | 1,412.5926% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.2690% | 5,454 |
| Noncurrent loans to loans | 0.0918% | 5,939 |
| Net loans and leases to total assets | 51.6620% | 4,900 |
| Net loans and leases to deposits | 63.3542% | 4,577 |
| Net loans and leases to core deposits | 63.7030% | 4,895 |
| Total domestic deposits to total assets | 81.5447% | 5,024 |
| Equity capital to assets | 12.2920% | 1,629 |
| Core capital (leverage) ratio | 9.7611% | 3,897 |
| Tier 1 risk-based capital ratio | 16.5704% | 2,813 |
| Total risk-based capital ratio | 17.7701% | 2,815 |
| Memoranda: | ||
| Average total assets | $278,150,600 | 2,286 |
| Average earning assets | $253,294,800 | 2,304 |
| Average equity | $34,415,400 | 1,998 |
| Average total loans | $142,814,800 | 2,659 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8475% | 4,675 |
| Cost of funding earning assets | 0.3067% | 5,674 |
| Net interest margin | 3.5407% | 3,710 |
| Noninterest income to average assets | 1.4831% | 671 |
| Noninterest expense to average assets | 3.0869% | 2,702 |
| Loan and lease loss provision to assets | 0.0721% | 3,620 |
| Net operating income to assets | 1.1273% | 1,897 |
| Return on assets (ROA) | 1.1347% | 1,939 |
| Pretax return on assets | 1.5629% | 1,435 |
| Return on Equity (ROE) | 9.1556% | 2,566 |
| Retained earnings to average equity (ytd only) | 9.1556% | 1,015 |
| Net charge-offs to loans | 0.0056% | 5,069 |
| Credit loss provision to net charge-offs | 2,500.0000% | 131 |
| Earnings coverage of net charge-offs (x) | 563.4863% | 102 |
| Efficiency ratio | 64.3003% | 4,754 |
| Assets per employee ($millions) | 4.0896% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 3,977 |
| Loan loss allowance to noncurrent loans | 2,493.5897% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.2523% | 5,682 |
| Noncurrent loans to loans | 0.0554% | 6,180 |
| Net loans and leases to total assets | 49.1897% | 5,226 |
| Net loans and leases to deposits | 58.2103% | 5,166 |
| Net loans and leases to core deposits | 58.5185% | 5,409 |
| Total domestic deposits to total assets | 84.5034% | 3,975 |
| Equity capital to assets | 12.1764% | 1,802 |
| Core capital (leverage) ratio | 9.5871% | 4,271 |
| Tier 1 risk-based capital ratio | 16.8977% | 2,751 |
| Total risk-based capital ratio | 18.1480% | 2,715 |
| Memoranda: | ||
| Average total assets | $277,425,250 | 2,302 |
| Average earning assets | $252,973,500 | 2,310 |
| Average equity | $34,382,500 | 2,018 |
| Average total loans | $141,742,500 | 2,686 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8408% | 4,688 |
| Cost of funding earning assets | 0.3222% | 5,644 |
| Net interest margin | 3.5186% | 3,704 |
| Noninterest income to average assets | 1.5683% | 638 |
| Noninterest expense to average assets | 3.1417% | 2,546 |
| Loan and lease loss provision to assets | 0.1088% | 2,978 |
| Net operating income to assets | 1.1206% | 1,863 |
| Return on assets (ROA) | 1.1275% | 1,946 |
| Pretax return on assets | 1.5422% | 1,504 |
| Return on Equity (ROE) | 9.0433% | 2,590 |
| Retained earnings to average equity (ytd only) | 9.0433% | 1,105 |
| Net charge-offs to loans | -0.0084% | 5,739 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4384% | 4,798 |
| Assets per employee ($millions) | 4.0300% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 4,298 |
| Loan loss allowance to noncurrent loans | 397.7642% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.3168% | 5,526 |
| Noncurrent loans to loans | 0.3380% | 5,450 |
| Net loans and leases to total assets | 51.6471% | 4,910 |
| Net loans and leases to deposits | 60.7129% | 4,892 |
| Net loans and leases to core deposits | 61.1017% | 5,166 |
| Total domestic deposits to total assets | 85.0677% | 3,861 |
| Equity capital to assets | 12.1826% | 1,783 |
| Core capital (leverage) ratio | 9.2385% | 4,637 |
| Tier 1 risk-based capital ratio | 15.5482% | 3,454 |
| Total risk-based capital ratio | 16.7684% | 3,424 |
| Memoranda: | ||
| Average total assets | $275,838,670 | 2,316 |
| Average earning assets | $252,033,330 | 2,331 |
| Average equity | $34,390,000 | 2,024 |
| Average total loans | $142,073,000 | 2,686 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9280% | 4,372 |
| Cost of funding earning assets | 0.3430% | 5,616 |
| Net interest margin | 3.5849% | 3,320 |
| Noninterest income to average assets | 1.7428% | 526 |
| Noninterest expense to average assets | 3.2411% | 2,227 |
| Loan and lease loss provision to assets | 0.1092% | 2,879 |
| Net operating income to assets | 1.2031% | 1,513 |
| Return on assets (ROA) | 1.2041% | 1,623 |
| Pretax return on assets | 1.6657% | 1,160 |
| Return on Equity (ROE) | 9.5477% | 2,243 |
| Retained earnings to average equity (ytd only) | 9.5477% | 1,231 |
| Net charge-offs to loans | -0.0599% | 6,213 |
| Credit loss provision to net charge-offs | -357.1429% | 5,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3856% | 5,097 |
| Assets per employee ($millions) | 3.9744% | 4,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 4,341 |
| Loan loss allowance to noncurrent loans | 239.2182% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 5,686 |
| Noncurrent loans to loans | 0.5762% | 5,004 |
| Net loans and leases to total assets | 49.4957% | 5,048 |
| Net loans and leases to deposits | 57.9021% | 5,047 |
| Net loans and leases to core deposits | 58.1683% | 5,336 |
| Total domestic deposits to total assets | 85.4817% | 3,809 |
| Equity capital to assets | 12.7278% | 1,576 |
| Core capital (leverage) ratio | 9.0256% | 4,845 |
| Tier 1 risk-based capital ratio | 15.7506% | 3,403 |
| Total risk-based capital ratio | 16.9872% | 3,364 |
| Memoranda: | ||
| Average total assets | $274,724,000 | 2,346 |
| Average earning assets | $250,715,500 | 2,368 |
| Average equity | $34,647,000 | 2,035 |
| Average total loans | $140,324,000 | 2,723 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2182% | 4,515 |
| Cost of funding earning assets | 0.4475% | 5,598 |
| Net interest margin | 3.7707% | 3,358 |
| Noninterest income to average assets | 1.7609% | 527 |
| Noninterest expense to average assets | 4.1300% | 831 |
| Loan and lease loss provision to assets | 0.0698% | 4,872 |
| Net operating income to assets | 0.8180% | 3,199 |
| Return on assets (ROA) | 0.8692% | 3,202 |
| Pretax return on assets | 1.0647% | 3,290 |
| Return on Equity (ROE) | 6.7771% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.7771% | 1,679 |
| Net charge-offs to loans | 0.2820% | 3,254 |
| Credit loss provision to net charge-offs | 47.6190% | 4,747 |
| Earnings coverage of net charge-offs (x) | 7.3122% | 2,634 |
| Efficiency ratio | 78.5565% | 2,352 |
| Assets per employee ($millions) | 4.0473% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 4,823 |
| Loan loss allowance to noncurrent loans | 410.2506% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 5,951 |
| Noncurrent loans to loans | 0.3070% | 5,713 |
| Net loans and leases to total assets | 51.3113% | 4,995 |
| Net loans and leases to deposits | 60.1147% | 5,017 |
| Net loans and leases to core deposits | 60.5337% | 5,316 |
| Total domestic deposits to total assets | 85.3558% | 3,688 |
| Equity capital to assets | 12.4957% | 1,716 |
| Core capital (leverage) ratio | 8.5705% | 5,507 |
| Tier 1 risk-based capital ratio | 14.3328% | 4,139 |
| Total risk-based capital ratio | 15.4500% | 4,205 |
| Memoranda: | ||
| Average total assets | $257,819,400 | 2,460 |
| Average earning assets | $235,289,600 | 2,453 |
| Average equity | $33,067,000 | 2,086 |
| Average total loans | $134,044,800 | 2,807 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2826% | 4,518 |
| Cost of funding earning assets | 0.5461% | 5,117 |
| Net interest margin | 3.7364% | 3,626 |
| Noninterest income to average assets | 1.5949% | 587 |
| Noninterest expense to average assets | 3.3349% | 2,173 |
| Loan and lease loss provision to assets | 0.0237% | 5,498 |
| Net operating income to assets | 1.1744% | 1,815 |
| Return on assets (ROA) | 1.2346% | 1,789 |
| Pretax return on assets | 1.7327% | 1,198 |
| Return on Equity (ROE) | 9.5590% | 2,563 |
| Retained earnings to average equity (ytd only) | 9.5590% | 1,041 |
| Net charge-offs to loans | -0.1012% | 6,854 |
| Credit loss provision to net charge-offs | -45.0000% | 6,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7367% | 4,300 |
| Assets per employee ($millions) | 4.1420% | 3,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 3,773 |
| Loan loss allowance to noncurrent loans | 182.3129% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.4175% | 5,646 |
| Noncurrent loans to loans | 0.8444% | 4,724 |
| Net loans and leases to total assets | 48.6833% | 5,468 |
| Net loans and leases to deposits | 56.8194% | 5,554 |
| Net loans and leases to core deposits | 57.0846% | 5,803 |
| Total domestic deposits to total assets | 85.6808% | 3,427 |
| Equity capital to assets | 12.1123% | 2,170 |
| Core capital (leverage) ratio | 8.5416% | 5,696 |
| Tier 1 risk-based capital ratio | 15.0049% | 3,849 |
| Total risk-based capital ratio | 16.2564% | 3,796 |
| Memoranda: | ||
| Average total assets | $253,470,750 | 2,519 |
| Average earning assets | $231,444,500 | 2,509 |
| Average equity | $32,736,250 | 2,123 |
| Average total loans | $131,801,750 | 2,881 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3384% | 4,424 |
| Cost of funding earning assets | 0.5772% | 5,100 |
| Net interest margin | 3.7612% | 3,533 |
| Noninterest income to average assets | 1.5708% | 600 |
| Noninterest expense to average assets | 3.3064% | 2,285 |
| Loan and lease loss provision to assets | 0.0369% | 5,214 |
| Net operating income to assets | 1.1824% | 1,775 |
| Return on assets (ROA) | 1.1824% | 1,976 |
| Pretax return on assets | 1.6610% | 1,366 |
| Return on Equity (ROE) | 8.9414% | 2,837 |
| Retained earnings to average equity (ytd only) | 8.9414% | 1,297 |
| Net charge-offs to loans | -0.0959% | 6,850 |
| Credit loss provision to net charge-offs | -72.5806% | 6,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0542% | 4,312 |
| Assets per employee ($millions) | 4.1190% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5501% | 3,782 |
| Loan loss allowance to noncurrent loans | 177.7215% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 5,724 |
| Noncurrent loans to loans | 0.8722% | 4,752 |
| Net loans and leases to total assets | 47.7538% | 5,636 |
| Net loans and leases to deposits | 56.1850% | 5,630 |
| Net loans and leases to core deposits | 56.4499% | 5,905 |
| Total domestic deposits to total assets | 84.9938% | 3,867 |
| Equity capital to assets | 11.7947% | 2,320 |
| Core capital (leverage) ratio | 9.0141% | 4,891 |
| Tier 1 risk-based capital ratio | 14.7653% | 3,923 |
| Total risk-based capital ratio | 16.0168% | 3,885 |
| Memoranda: | ||
| Average total assets | $244,075,330 | 2,611 |
| Average earning assets | $222,800,670 | 2,611 |
| Average equity | $32,276,670 | 2,136 |
| Average total loans | $129,314,330 | 2,938 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6244% | 3,387 |
| Cost of funding earning assets | 0.6101% | 5,053 |
| Net interest margin | 4.0143% | 2,445 |
| Noninterest income to average assets | 1.9003% | 447 |
| Noninterest expense to average assets | 3.3689% | 2,091 |
| Loan and lease loss provision to assets | 0.0796% | 4,401 |
| Net operating income to assets | 1.4650% | 1,092 |
| Return on assets (ROA) | 1.4650% | 1,221 |
| Pretax return on assets | 2.1073% | 624 |
| Return on Equity (ROE) | 10.3834% | 2,273 |
| Retained earnings to average equity (ytd only) | 10.3834% | 1,181 |
| Net charge-offs to loans | -0.0286% | 6,326 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6369% | 5,520 |
| Assets per employee ($millions) | 3.9767% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 3,514 |
| Loan loss allowance to noncurrent loans | 183.4674% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 5,646 |
| Noncurrent loans to loans | 0.9033% | 4,864 |
| Net loans and leases to total assets | 52.8194% | 4,905 |
| Net loans and leases to deposits | 64.1850% | 4,608 |
| Net loans and leases to core deposits | 64.3930% | 5,067 |
| Total domestic deposits to total assets | 82.2925% | 5,204 |
| Equity capital to assets | 13.9546% | 1,040 |
| Core capital (leverage) ratio | 11.5655% | 1,858 |
| Tier 1 risk-based capital ratio | 18.3738% | 2,179 |
| Total risk-based capital ratio | 19.6271% | 2,148 |
| Memoranda: | ||
| Average total assets | $226,067,500 | 2,816 |
| Average earning assets | $205,863,500 | 2,820 |
| Average equity | $31,897,000 | 2,159 |
| Average total loans | $126,041,500 | 3,023 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9244% | 3,240 |
| Cost of funding earning assets | 0.8000% | 4,873 |
| Net interest margin | 4.1244% | 2,334 |
| Noninterest income to average assets | 1.5917% | 533 |
| Noninterest expense to average assets | 3.1447% | 3,048 |
| Loan and lease loss provision to assets | 0.1636% | 4,582 |
| Net operating income to assets | 1.4615% | 902 |
| Return on assets (ROA) | 1.4858% | 929 |
| Pretax return on assets | 2.0521% | 479 |
| Return on Equity (ROE) | 11.0488% | 1,680 |
| Retained earnings to average equity (ytd only) | 9.9369% | 586 |
| Net charge-offs to loans | 0.1991% | 4,546 |
| Credit loss provision to net charge-offs | 143.4263% | 2,026 |
| Earnings coverage of net charge-offs (x) | 19.1275% | 1,178 |
| Efficiency ratio | 59.0358% | 5,895 |
| Assets per employee ($millions) | 3.8187% | 4,275 |
| Cash dividends to net income (ytd only)* | 10.0642% | 3,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 3,754 |
| Loan loss allowance to noncurrent loans | 156.9074% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.9838% | 4,644 |
| Noncurrent loans to loans | 0.9937% | 4,717 |
| Net loans and leases to total assets | 56.9803% | 4,547 |
| Net loans and leases to deposits | 71.8591% | 3,818 |
| Net loans and leases to core deposits | 72.1116% | 4,517 |
| Total domestic deposits to total assets | 79.2945% | 5,920 |
| Equity capital to assets | 14.2708% | 978 |
| Core capital (leverage) ratio | 11.1603% | 2,152 |
| Tier 1 risk-based capital ratio | 17.2561% | 2,486 |
| Total risk-based capital ratio | 18.5084% | 2,454 |
| Memoranda: | ||
| Average total assets | $220,022,000 | 2,837 |
| Average earning assets | $199,253,200 | 2,867 |
| Average equity | $29,586,800 | 2,224 |
| Average total loans | $126,090,000 | 3,059 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9745% | 3,217 |
| Cost of funding earning assets | 0.8339% | 4,910 |
| Net interest margin | 4.1406% | 2,303 |
| Noninterest income to average assets | 1.6037% | 515 |
| Noninterest expense to average assets | 3.1066% | 3,136 |
| Loan and lease loss provision to assets | 0.1821% | 4,213 |
| Net operating income to assets | 1.4968% | 943 |
| Return on assets (ROA) | 1.5296% | 955 |
| Pretax return on assets | 2.1093% | 509 |
| Return on Equity (ROE) | 11.5535% | 1,660 |
| Retained earnings to average equity (ytd only) | 10.0451% | 832 |
| Net charge-offs to loans | 0.0637% | 5,332 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 61.6818% | 539 |
| Efficiency ratio | 58.0338% | 6,007 |
| Assets per employee ($millions) | 3.8855% | 4,107 |
| Cash dividends to net income (ytd only)* | 13.0557% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6982% | 3,278 |
| Loan loss allowance to noncurrent loans | 254.7847% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.8941% | 4,948 |
| Noncurrent loans to loans | 0.6665% | 5,554 |
| Net loans and leases to total assets | 54.7100% | 5,051 |
| Net loans and leases to deposits | 67.1809% | 4,743 |
| Net loans and leases to core deposits | 67.4060% | 5,255 |
| Total domestic deposits to total assets | 81.4369% | 5,276 |
| Equity capital to assets | 13.6860% | 1,291 |
| Core capital (leverage) ratio | 10.8605% | 2,511 |
| Tier 1 risk-based capital ratio | 17.1293% | 2,594 |
| Total risk-based capital ratio | 18.3830% | 2,551 |
| Memoranda: | ||
| Average total assets | $219,655,750 | 2,842 |
| Average earning assets | $198,903,250 | 2,876 |
| Average equity | $29,081,500 | 2,264 |
| Average total loans | $125,561,750 | 3,089 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0133% | 3,095 |
| Cost of funding earning assets | 0.8792% | 4,833 |
| Net interest margin | 4.1341% | 2,291 |
| Noninterest income to average assets | 1.5081% | 564 |
| Noninterest expense to average assets | 3.0521% | 3,424 |
| Loan and lease loss provision to assets | 0.2204% | 3,713 |
| Net operating income to assets | 1.3701% | 1,148 |
| Return on assets (ROA) | 1.4126% | 1,118 |
| Pretax return on assets | 2.0372% | 551 |
| Return on Equity (ROE) | 10.7951% | 1,868 |
| Retained earnings to average equity (ytd only) | 8.4859% | 1,268 |
| Net charge-offs to loans | -0.0844% | 7,123 |
| Credit loss provision to net charge-offs | -452.8302% | 6,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1554% | 6,140 |
| Assets per employee ($millions) | 3.8679% | 4,058 |
| Cash dividends to net income (ytd only)* | 21.3914% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7073% | 3,299 |
| Loan loss allowance to noncurrent loans | 189.1681% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 1.1349% | 4,620 |
| Noncurrent loans to loans | 0.9026% | 5,159 |
| Net loans and leases to total assets | 57.0039% | 4,819 |
| Net loans and leases to deposits | 73.1185% | 3,926 |
| Net loans and leases to core deposits | 73.4136% | 4,649 |
| Total domestic deposits to total assets | 77.9611% | 6,296 |
| Equity capital to assets | 13.3688% | 1,352 |
| Core capital (leverage) ratio | 10.3608% | 2,868 |
| Tier 1 risk-based capital ratio | 15.9234% | 3,015 |
| Total risk-based capital ratio | 17.1774% | 2,987 |
| Memoranda: | ||
| Average total assets | $217,754,000 | 2,879 |
| Average earning assets | $196,995,670 | 2,913 |
| Average equity | $28,494,330 | 2,282 |
| Average total loans | $125,607,330 | 3,109 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9647% | 3,268 |
| Cost of funding earning assets | 0.9190% | 4,783 |
| Net interest margin | 4.0457% | 2,488 |
| Noninterest income to average assets | 1.5509% | 542 |
| Noninterest expense to average assets | 3.0610% | 3,417 |
| Loan and lease loss provision to assets | 0.3327% | 2,568 |
| Net operating income to assets | 1.2717% | 1,340 |
| Return on assets (ROA) | 1.3235% | 1,264 |
| Pretax return on assets | 1.8928% | 690 |
| Return on Equity (ROE) | 10.2269% | 2,020 |
| Retained earnings to average equity (ytd only) | 7.8702% | 1,787 |
| Net charge-offs to loans | -0.2410% | 7,296 |
| Credit loss provision to net charge-offs | -240.0000% | 5,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7234% | 6,169 |
| Assets per employee ($millions) | 3.9172% | 4,032 |
| Cash dividends to net income (ytd only)* | 23.0447% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7338% | 3,234 |
| Loan loss allowance to noncurrent loans | 169.2976% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 1.1921% | 4,569 |
| Noncurrent loans to loans | 1.0241% | 5,010 |
| Net loans and leases to total assets | 55.4223% | 5,091 |
| Net loans and leases to deposits | 67.7306% | 4,713 |
| Net loans and leases to core deposits | 67.9915% | 5,291 |
| Total domestic deposits to total assets | 81.8277% | 5,380 |
| Equity capital to assets | 12.8938% | 1,429 |
| Core capital (leverage) ratio | 10.2750% | 2,835 |
| Tier 1 risk-based capital ratio | 15.6397% | 3,079 |
| Total risk-based capital ratio | 16.8933% | 3,035 |
| Memoranda: | ||
| Average total assets | $216,396,500 | 2,917 |
| Average earning assets | $195,862,000 | 2,935 |
| Average equity | $28,004,500 | 2,302 |
| Average total loans | $124,481,500 | 3,169 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4066% | 2,639 |
| Cost of funding earning assets | 1.1196% | 5,023 |
| Net interest margin | 4.2870% | 1,869 |
| Noninterest income to average assets | 1.8438% | 457 |
| Noninterest expense to average assets | 3.2241% | 3,002 |
| Loan and lease loss provision to assets | 0.5175% | 3,085 |
| Net operating income to assets | 1.3497% | 1,052 |
| Return on assets (ROA) | 1.3612% | 1,102 |
| Pretax return on assets | 1.9831% | 496 |
| Return on Equity (ROE) | 10.5160% | 1,756 |
| Retained earnings to average equity (ytd only) | 6.4039% | 1,617 |
| Net charge-offs to loans | 0.8543% | 2,498 |
| Credit loss provision to net charge-offs | 100.0923% | 4,552 |
| Earnings coverage of net charge-offs (x) | 4.8044% | 2,797 |
| Efficiency ratio | 56.4840% | 6,533 |
| Assets per employee ($millions) | 3.8113% | 4,226 |
| Cash dividends to net income (ytd only)* | 39.1030% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 3,960 |
| Loan loss allowance to noncurrent loans | 131.9832% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 1.3025% | 4,430 |
| Noncurrent loans to loans | 1.1434% | 4,823 |
| Net loans and leases to total assets | 57.7950% | 5,055 |
| Net loans and leases to deposits | 70.9786% | 4,685 |
| Net loans and leases to core deposits | 72.0368% | 5,208 |
| Total domestic deposits to total assets | 81.4259% | 5,379 |
| Equity capital to assets | 12.9901% | 1,391 |
| Core capital (leverage) ratio | 10.0168% | 3,074 |
| Tier 1 risk-based capital ratio | 15.3165% | 3,088 |
| Total risk-based capital ratio | 16.5679% | 3,045 |
| Memoranda: | ||
| Average total assets | $209,671,000 | 2,984 |
| Average earning assets | $188,989,800 | 3,021 |
| Average equity | $27,139,600 | 2,367 |
| Average total loans | $126,886,600 | 3,182 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4725% | 2,550 |
| Cost of funding earning assets | 1.1564% | 5,106 |
| Net interest margin | 4.3161% | 1,790 |
| Noninterest income to average assets | 1.6959% | 492 |
| Noninterest expense to average assets | 3.2162% | 2,868 |
| Loan and lease loss provision to assets | 0.5781% | 2,619 |
| Net operating income to assets | 1.2342% | 1,502 |
| Return on assets (ROA) | 1.2513% | 1,542 |
| Pretax return on assets | 1.8128% | 906 |
| Return on Equity (ROE) | 9.6762% | 2,257 |
| Retained earnings to average equity (ytd only) | 6.8163% | 1,935 |
| Net charge-offs to loans | 0.7562% | 2,534 |
| Credit loss provision to net charge-offs | 125.3463% | 3,265 |
| Earnings coverage of net charge-offs (x) | 5.1302% | 2,839 |
| Efficiency ratio | 57.6153% | 6,328 |
| Assets per employee ($millions) | 3.7879% | 4,299 |
| Cash dividends to net income (ytd only)* | 29.5559% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 3,449 |
| Loan loss allowance to noncurrent loans | 69.7878% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.5604% | 4,105 |
| Noncurrent loans to loans | 2.3201% | 3,317 |
| Net loans and leases to total assets | 59.3495% | 5,030 |
| Net loans and leases to deposits | 73.5130% | 4,590 |
| Net loans and leases to core deposits | 74.5116% | 5,229 |
| Total domestic deposits to total assets | 80.7333% | 5,470 |
| Equity capital to assets | 13.2037% | 1,492 |
| Core capital (leverage) ratio | 10.0349% | 3,216 |
| Tier 1 risk-based capital ratio | 15.1383% | 3,188 |
| Total risk-based capital ratio | 16.3920% | 3,161 |
| Memoranda: | ||
| Average total assets | $208,730,750 | 3,037 |
| Average earning assets | $187,942,000 | 3,073 |
| Average equity | $26,993,250 | 2,413 |
| Average total loans | $127,297,500 | 3,224 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4566% | 2,720 |
| Cost of funding earning assets | 1.2031% | 5,119 |
| Net interest margin | 4.2535% | 1,951 |
| Noninterest income to average assets | 1.6387% | 478 |
| Noninterest expense to average assets | 3.2245% | 2,816 |
| Loan and lease loss provision to assets | 0.7418% | 1,950 |
| Net operating income to assets | 1.0582% | 1,991 |
| Return on assets (ROA) | 1.0703% | 2,019 |
| Pretax return on assets | 1.5183% | 1,508 |
| Return on Equity (ROE) | 8.3361% | 2,744 |
| Retained earnings to average equity (ytd only) | 5.2223% | 2,761 |
| Net charge-offs to loans | 1.0325% | 1,810 |
| Credit loss provision to net charge-offs | 117.3780% | 3,464 |
| Earnings coverage of net charge-offs (x) | 3.5488% | 3,279 |
| Efficiency ratio | 58.9780% | 6,225 |
| Assets per employee ($millions) | 3.6332% | 4,626 |
| Cash dividends to net income (ytd only)* | 37.3537% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5952% | 3,469 |
| Loan loss allowance to noncurrent loans | 82.4959% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 1.3728% | 4,427 |
| Noncurrent loans to loans | 1.9337% | 3,821 |
| Net loans and leases to total assets | 59.6645% | 5,130 |
| Net loans and leases to deposits | 73.4826% | 4,756 |
| Net loans and leases to core deposits | 74.4967% | 5,390 |
| Total domestic deposits to total assets | 81.1954% | 5,335 |
| Equity capital to assets | 13.0651% | 1,545 |
| Core capital (leverage) ratio | 9.5188% | 3,793 |
| Tier 1 risk-based capital ratio | 14.8861% | 3,217 |
| Total risk-based capital ratio | 16.1393% | 3,187 |
| Memoranda: | ||
| Average total assets | $207,600,000 | 3,070 |
| Average earning assets | $186,856,670 | 3,105 |
| Average equity | $26,655,000 | 2,435 |
| Average total loans | $127,074,670 | 3,259 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3778% | 3,151 |
| Cost of funding earning assets | 1.2165% | 5,303 |
| Net interest margin | 4.1613% | 2,191 |
| Noninterest income to average assets | 1.4395% | 580 |
| Noninterest expense to average assets | 3.2350% | 2,741 |
| Loan and lease loss provision to assets | 0.7409% | 1,719 |
| Net operating income to assets | 0.8725% | 2,662 |
| Return on assets (ROA) | 0.8641% | 2,787 |
| Pretax return on assets | 1.1912% | 2,389 |
| Return on Equity (ROE) | 6.7891% | 3,457 |
| Retained earnings to average equity (ytd only) | 6.7891% | 2,224 |
| Net charge-offs to loans | 0.0250% | 5,223 |
| Credit loss provision to net charge-offs | 4,812.5000% | 100 |
| Earnings coverage of net charge-offs (x) | 126.2500% | 261 |
| Efficiency ratio | 62.4675% | 5,741 |
| Assets per employee ($millions) | 3.7395% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7800% | 2,791 |
| Loan loss allowance to noncurrent loans | 46.4059% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 2.4373% | 2,979 |
| Noncurrent loans to loans | 3.8357% | 2,066 |
| Net loans and leases to total assets | 59.7086% | 5,166 |
| Net loans and leases to deposits | 75.1009% | 4,560 |
| Net loans and leases to core deposits | 76.1446% | 5,242 |
| Total domestic deposits to total assets | 79.5045% | 5,946 |
| Equity capital to assets | 12.7786% | 1,611 |
| Core capital (leverage) ratio | 9.6793% | 3,545 |
| Tier 1 risk-based capital ratio | 14.6699% | 3,273 |
| Total risk-based capital ratio | 15.9252% | 3,237 |
| Memoranda: | ||
| Average total assets | $207,853,500 | 3,120 |
| Average earning assets | $186,768,000 | 3,167 |
| Average equity | $26,454,000 | 2,467 |
| Average total loans | $127,830,000 | 3,305 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7309% | 2,955 |
| Cost of funding earning assets | 1.4203% | 5,845 |
| Net interest margin | 4.3106% | 1,688 |
| Noninterest income to average assets | 1.8102% | 451 |
| Noninterest expense to average assets | 3.2090% | 3,346 |
| Loan and lease loss provision to assets | 0.3079% | 4,976 |
| Net operating income to assets | 1.4645% | 728 |
| Return on assets (ROA) | 1.4787% | 766 |
| Pretax return on assets | 2.1998% | 274 |
| Return on Equity (ROE) | 11.6229% | 1,260 |
| Retained earnings to average equity (ytd only) | 0.0077% | 4,906 |
| Net charge-offs to loans | 0.2674% | 4,945 |
| Credit loss provision to net charge-offs | 182.2157% | 2,263 |
| Earnings coverage of net charge-offs (x) | 14.7172% | 1,355 |
| Efficiency ratio | 55.9630% | 7,017 |
| Assets per employee ($millions) | 3.6192% | 4,734 |
| Cash dividends to net income (ytd only)* | 99.9334% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 3,884 |
| Loan loss allowance to noncurrent loans | 63.1984% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.5803% | 4,010 |
| Noncurrent loans to loans | 2.3287% | 3,258 |
| Net loans and leases to total assets | 61.3044% | 5,141 |
| Net loans and leases to deposits | 76.9823% | 4,568 |
| Net loans and leases to core deposits | 83.4800% | 5,769 |
| Total domestic deposits to total assets | 79.6345% | 5,798 |
| Equity capital to assets | 12.6751% | 1,659 |
| Core capital (leverage) ratio | 9.4832% | 3,742 |
| Tier 1 risk-based capital ratio | 13.7866% | 3,639 |
| Total risk-based capital ratio | 15.0382% | 3,570 |
| Memoranda: | ||
| Average total assets | $203,019,800 | 3,149 |
| Average earning assets | $182,989,200 | 3,180 |
| Average equity | $25,828,400 | 2,540 |
| Average total loans | $128,266,600 | 3,304 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7443% | 3,119 |
| Cost of funding earning assets | 1.4583% | 6,009 |
| Net interest margin | 4.2860% | 1,764 |
| Noninterest income to average assets | 1.6307% | 553 |
| Noninterest expense to average assets | 3.1875% | 3,344 |
| Loan and lease loss provision to assets | 0.1286% | 6,067 |
| Net operating income to assets | 1.4679% | 884 |
| Return on assets (ROA) | 1.4869% | 896 |
| Pretax return on assets | 2.2149% | 333 |
| Return on Equity (ROE) | 11.6768% | 1,446 |
| Retained earnings to average equity (ytd only) | -3.8577% | 6,092 |
| Net charge-offs to loans | 0.0655% | 6,036 |
| Credit loss provision to net charge-offs | 309.5238% | 1,332 |
| Earnings coverage of net charge-offs (x) | 55.7288% | 589 |
| Efficiency ratio | 57.3996% | 6,804 |
| Assets per employee ($millions) | 3.6943% | 4,438 |
| Cash dividends to net income (ytd only)* | 133.0378% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 4,197 |
| Loan loss allowance to noncurrent loans | 56.7374% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 1.5163% | 4,095 |
| Noncurrent loans to loans | 2.3813% | 3,167 |
| Net loans and leases to total assets | 61.3741% | 5,349 |
| Net loans and leases to deposits | 75.7038% | 5,095 |
| Net loans and leases to core deposits | 82.0513% | 6,182 |
| Total domestic deposits to total assets | 81.0713% | 5,052 |
| Equity capital to assets | 12.4511% | 1,985 |
| Core capital (leverage) ratio | 9.1597% | 4,402 |
| Tier 1 risk-based capital ratio | 13.3157% | 3,980 |
| Total risk-based capital ratio | 14.5663% | 3,922 |
| Memoranda: | ||
| Average total assets | $202,201,000 | 3,180 |
| Average earning assets | $182,668,250 | 3,208 |
| Average equity | $25,748,500 | 2,569 |
| Average total loans | $128,244,000 | 3,334 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7731% | 3,177 |
| Cost of funding earning assets | 1.5214% | 6,055 |
| Net interest margin | 4.2516% | 1,814 |
| Noninterest income to average assets | 1.7374% | 484 |
| Noninterest expense to average assets | 3.2486% | 3,158 |
| Loan and lease loss provision to assets | 0.1346% | 5,737 |
| Net operating income to assets | 1.4663% | 906 |
| Return on assets (ROA) | 1.4663% | 965 |
| Pretax return on assets | 2.1900% | 368 |
| Return on Equity (ROE) | 11.4275% | 1,579 |
| Retained earnings to average equity (ytd only) | -11.8780% | 7,049 |
| Net charge-offs to loans | 0.0781% | 5,421 |
| Credit loss provision to net charge-offs | 270.0000% | 1,728 |
| Earnings coverage of net charge-offs (x) | 46.6400% | 725 |
| Efficiency ratio | 57.5926% | 6,927 |
| Assets per employee ($millions) | 3.7499% | 4,216 |
| Cash dividends to net income (ytd only)* | 203.9429% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 4,128 |
| Loan loss allowance to noncurrent loans | 65.9906% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.2432% | 4,448 |
| Noncurrent loans to loans | 2.0073% | 3,511 |
| Net loans and leases to total assets | 61.1126% | 5,501 |
| Net loans and leases to deposits | 76.8555% | 5,047 |
| Net loans and leases to core deposits | 82.6181% | 6,191 |
| Total domestic deposits to total assets | 79.5163% | 5,635 |
| Equity capital to assets | 11.8615% | 2,285 |
| Core capital (leverage) ratio | 8.5798% | 5,298 |
| Tier 1 risk-based capital ratio | 13.1543% | 4,034 |
| Total risk-based capital ratio | 14.4044% | 3,956 |
| Memoranda: | ||
| Average total assets | $200,640,670 | 3,216 |
| Average earning assets | $181,013,330 | 3,247 |
| Average equity | $25,745,000 | 2,577 |
| Average total loans | $128,088,330 | 3,376 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8476% | 3,043 |
| Cost of funding earning assets | 1.6175% | 5,956 |
| Net interest margin | 4.2301% | 1,802 |
| Noninterest income to average assets | 1.7085% | 464 |
| Noninterest expense to average assets | 3.1137% | 3,325 |
| Loan and lease loss provision to assets | 0.0910% | 5,790 |
| Net operating income to assets | 1.5346% | 878 |
| Return on assets (ROA) | 1.5346% | 954 |
| Pretax return on assets | 2.3110% | 356 |
| Return on Equity (ROE) | 11.5063% | 1,808 |
| Retained earnings to average equity (ytd only) | 11.5063% | 878 |
| Net charge-offs to loans | 0.0717% | 4,474 |
| Credit loss provision to net charge-offs | 195.6522% | 2,258 |
| Earnings coverage of net charge-offs (x) | 51.6522% | 707 |
| Efficiency ratio | 55.2053% | 7,076 |
| Assets per employee ($millions) | 3.3850% | 5,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 4,269 |
| Loan loss allowance to noncurrent loans | 110.3659% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.7666% | 5,249 |
| Noncurrent loans to loans | 1.1515% | 4,689 |
| Net loans and leases to total assets | 63.3667% | 5,093 |
| Net loans and leases to deposits | 80.2127% | 4,572 |
| Net loans and leases to core deposits | 86.8164% | 5,845 |
| Total domestic deposits to total assets | 78.9983% | 5,725 |
| Equity capital to assets | 13.4230% | 1,561 |
| Core capital (leverage) ratio | 10.4033% | 3,024 |
| Tier 1 risk-based capital ratio | 14.8362% | 3,143 |
| Total risk-based capital ratio | 16.0640% | 3,080 |
| Memoranda: | ||
| Average total assets | $197,837,500 | 3,266 |
| Average earning assets | $178,057,000 | 3,305 |
| Average equity | $26,385,500 | 2,535 |
| Average total loans | $128,265,000 | 3,407 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3937% | 3,451 |
| Cost of funding earning assets | 2.0398% | 6,282 |
| Net interest margin | 4.3539% | 1,812 |
| Noninterest income to average assets | 1.4032% | 732 |
| Noninterest expense to average assets | 2.9795% | 4,157 |
| Loan and lease loss provision to assets | 0.1229% | 5,786 |
| Net operating income to assets | 1.4557% | 1,114 |
| Return on assets (ROA) | 1.4657% | 1,048 |
| Pretax return on assets | 2.1854% | 412 |
| Return on Equity (ROE) | 11.5111% | 1,749 |
| Retained earnings to average equity (ytd only) | 9.0971% | 589 |
| Net charge-offs to loans | 0.0217% | 6,545 |
| Credit loss provision to net charge-offs | 888.8889% | 497 |
| Earnings coverage of net charge-offs (x) | 165.8148% | 279 |
| Efficiency ratio | 55.1734% | 7,129 |
| Assets per employee ($millions) | 3.4379% | 4,835 |
| Cash dividends to net income (ytd only)* | 20.9717% | 4,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 4,115 |
| Loan loss allowance to noncurrent loans | 2,591.9355% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 7,465 |
| Noncurrent loans to loans | 0.0483% | 7,316 |
| Net loans and leases to total assets | 64.6771% | 5,133 |
| Net loans and leases to deposits | 82.3843% | 4,666 |
| Net loans and leases to core deposits | 90.7061% | 5,744 |
| Total domestic deposits to total assets | 78.5066% | 5,547 |
| Equity capital to assets | 13.2493% | 1,689 |
| Core capital (leverage) ratio | 10.0553% | 3,397 |
| Tier 1 risk-based capital ratio | 14.2289% | 3,429 |
| Total risk-based capital ratio | 15.4537% | 3,365 |
| Memoranda: | ||
| Average total assets | $195,202,200 | 3,200 |
| Average earning assets | $173,498,000 | 3,277 |
| Average equity | $24,854,200 | 2,649 |
| Average total loans | $124,429,600 | 3,365 |