Home > Farmers & Merchants Bank > Performance and Condition Ratios
Farmers & Merchants Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8278% | 2,421 |
| Cost of funding earning assets | 2.0791% | 805 |
| Net interest margin | 2.7487% | 3,753 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.9346% | 1,211 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.2477% | 4,102 |
| Return on assets (ROA) | 0.2477% | 4,109 |
| Pretax return on assets | 0.2003% | 4,194 |
| Return on Equity (ROE) | 4.3300% | 3,843 |
| Retained earnings to average equity (ytd only) | 4.3338% | 2,853 |
| Net charge-offs to loans | 0.1884% | 567 |
| Credit loss provision to net charge-offs | 73.4057% | 2,066 |
| Earnings coverage of net charge-offs (x) | 2.4206% | 2,695 |
| Efficiency ratio | 91.2429% | 379 |
| Assets per employee ($millions) | 8.5612% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 3,251 |
| Loan loss allowance to noncurrent loans | 128.6288% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 1,111 |
| Noncurrent loans to loans | 0.7858% | 986 |
| Net loans and leases to total assets | 63.0400% | 2,568 |
| Net loans and leases to deposits | 71.6261% | 2,777 |
| Net loans and leases to core deposits | 74.3995% | 3,058 |
| Total domestic deposits to total assets | 88.0100% | 1,353 |
| Equity capital to assets | 6.2172% | 4,189 |
| Core capital (leverage) ratio | 8.1260% | 4,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5760% | 2,387 |
| Memoranda: | ||
| Average total assets | $1,269,538,800 | 820 |
| Average earning assets | $1,166,679,200 | 814 |
| Average equity | $72,568,600 | 1,212 |
| Average total loans | $782,223,800 | 880 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7258% | 2,422 |
| Cost of funding earning assets | 1.9842% | 723 |
| Net interest margin | 2.7417% | 3,820 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.8584% | 1,303 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.2765% | 4,145 |
| Return on assets (ROA) | 0.2765% | 4,147 |
| Pretax return on assets | 0.2328% | 4,219 |
| Return on Equity (ROE) | 4.9500% | 3,816 |
| Retained earnings to average equity (ytd only) | 4.9486% | 2,948 |
| Net charge-offs to loans | 0.1216% | 663 |
| Credit loss provision to net charge-offs | 164.3466% | 1,257 |
| Earnings coverage of net charge-offs (x) | 4.7813% | 2,376 |
| Efficiency ratio | 88.9327% | 411 |
| Assets per employee ($millions) | 8.3689% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 2,706 |
| Loan loss allowance to noncurrent loans | 255.6051% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 1,883 |
| Noncurrent loans to loans | 0.4440% | 1,715 |
| Net loans and leases to total assets | 62.3600% | 2,615 |
| Net loans and leases to deposits | 70.0940% | 2,836 |
| Net loans and leases to core deposits | 72.4703% | 3,082 |
| Total domestic deposits to total assets | 88.9600% | 1,269 |
| Equity capital to assets | 5.3275% | 4,188 |
| Core capital (leverage) ratio | 8.1952% | 4,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6681% | 2,401 |
| Memoranda: | ||
| Average total assets | $1,263,737,500 | 828 |
| Average earning assets | $1,161,505,000 | 820 |
| Average equity | $70,617,750 | 1,237 |
| Average total loans | $771,977,000 | 888 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5982% | 2,419 |
| Cost of funding earning assets | 1.8625% | 658 |
| Net interest margin | 2.7356% | 3,930 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.9546% | 1,121 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.2512% | 4,229 |
| Return on assets (ROA) | 0.2512% | 4,250 |
| Pretax return on assets | 0.1898% | 4,333 |
| Return on Equity (ROE) | 4.4200% | 3,965 |
| Retained earnings to average equity (ytd only) | 4.4246% | 3,100 |
| Net charge-offs to loans | 0.1342% | 555 |
| Credit loss provision to net charge-offs | 111.1765% | 1,372 |
| Earnings coverage of net charge-offs (x) | 3.4000% | 2,262 |
| Efficiency ratio | 91.4473% | 314 |
| Assets per employee ($millions) | 8.5132% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 2,802 |
| Loan loss allowance to noncurrent loans | 439.1087% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 2,454 |
| Noncurrent loans to loans | 0.2570% | 2,237 |
| Net loans and leases to total assets | 60.1700% | 2,753 |
| Net loans and leases to deposits | 67.1414% | 2,980 |
| Net loans and leases to core deposits | 69.1841% | 3,175 |
| Total domestic deposits to total assets | 89.6200% | 1,044 |
| Equity capital to assets | 5.6852% | 4,240 |
| Core capital (leverage) ratio | 8.2389% | 4,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8338% | 2,360 |
| Memoranda: | ||
| Average total assets | $1,258,169,333 | 816 |
| Average earning assets | $1,156,813,000 | 818 |
| Average equity | $71,418,333 | 1,221 |
| Average total loans | $760,093,000 | 886 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5171% | 2,277 |
| Cost of funding earning assets | 1.7526% | 495 |
| Net interest margin | 2.7644% | 3,997 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.6577% | 1,781 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4081% | 4,076 |
| Return on assets (ROA) | 0.4081% | 4,024 |
| Pretax return on assets | 0.4103% | 4,118 |
| Return on Equity (ROE) | 7.1900% | 3,479 |
| Retained earnings to average equity (ytd only) | 7.1949% | 2,445 |
| Net charge-offs to loans | 0.0883% | 641 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 7.7169% | 1,744 |
| Efficiency ratio | 86.6047% | 483 |
| Assets per employee ($millions) | 8.6377% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 2,918 |
| Loan loss allowance to noncurrent loans | 479.8428% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 2,512 |
| Noncurrent loans to loans | 0.2349% | 2,327 |
| Net loans and leases to total assets | 59.8500% | 2,670 |
| Net loans and leases to deposits | 67.3327% | 2,825 |
| Net loans and leases to core deposits | 68.8881% | 3,029 |
| Total domestic deposits to total assets | 88.8900% | 1,582 |
| Equity capital to assets | 5.7663% | 4,268 |
| Core capital (leverage) ratio | 8.2779% | 4,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1837% | 2,315 |
| Memoranda: | ||
| Average total assets | $1,248,765,000 | 840 |
| Average earning assets | $1,148,889,000 | 837 |
| Average equity | $70,828,000 | 1,234 |
| Average total loans | $751,569,000 | 908 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6846% | 2,568 |
| Cost of funding earning assets | 0.5713% | 1,011 |
| Net interest margin | 3.1133% | 3,138 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 2.7029% | 1,551 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.9290% | 2,851 |
| Return on assets (ROA) | 0.7139% | 3,520 |
| Pretax return on assets | 0.7668% | 3,701 |
| Return on Equity (ROE) | 11.1600% | 2,419 |
| Retained earnings to average equity (ytd only) | 3.5542% | 3,550 |
| Net charge-offs to loans | 0.0976% | 746 |
| Credit loss provision to net charge-offs | 127.7286% | 1,420 |
| Earnings coverage of net charge-offs (x) | 19.4322% | 1,912 |
| Efficiency ratio | 71.6583% | 1,479 |
| Assets per employee ($millions) | 8.7068% | 1,013 |
| Cash dividends to net income (ytd only)* | 68.1431% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 3,059 |
| Loan loss allowance to noncurrent loans | 350.9951% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 2,278 |
| Noncurrent loans to loans | 0.3035% | 2,053 |
| Net loans and leases to total assets | 59.2000% | 2,708 |
| Net loans and leases to deposits | 67.4220% | 2,775 |
| Net loans and leases to core deposits | 68.8639% | 2,950 |
| Total domestic deposits to total assets | 87.8000% | 2,142 |
| Equity capital to assets | 5.5768% | 4,219 |
| Core capital (leverage) ratio | 8.2188% | 4,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6411% | 2,110 |
| Memoranda: | ||
| Average total assets | $1,233,322,200 | 837 |
| Average earning assets | $1,143,644,000 | 829 |
| Average equity | $78,921,800 | 1,146 |
| Average total loans | $694,634,400 | 917 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5093% | 2,591 |
| Cost of funding earning assets | 0.3851% | 1,401 |
| Net interest margin | 3.1242% | 2,853 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 2.6783% | 1,515 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.7230% | 3,502 |
| Return on assets (ROA) | 0.7138% | 3,479 |
| Pretax return on assets | 0.8093% | 3,556 |
| Return on Equity (ROE) | 10.8000% | 2,467 |
| Retained earnings to average equity (ytd only) | 3.4229% | 3,658 |
| Net charge-offs to loans | 0.0753% | 775 |
| Credit loss provision to net charge-offs | 38.9610% | 1,567 |
| Earnings coverage of net charge-offs (x) | 20.0390% | 1,713 |
| Efficiency ratio | 76.1956% | 1,060 |
| Assets per employee ($millions) | 8.6400% | 1,010 |
| Cash dividends to net income (ytd only)* | 68.3164% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 3,152 |
| Loan loss allowance to noncurrent loans | 312.1313% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 2,306 |
| Noncurrent loans to loans | 0.3424% | 2,003 |
| Net loans and leases to total assets | 56.2800% | 2,877 |
| Net loans and leases to deposits | 61.7129% | 3,041 |
| Net loans and leases to core deposits | 63.0179% | 3,190 |
| Total domestic deposits to total assets | 91.2000% | 1,159 |
| Equity capital to assets | 5.2225% | 4,226 |
| Core capital (leverage) ratio | 8.2759% | 4,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9012% | 2,093 |
| Memoranda: | ||
| Average total assets | $1,230,385,750 | 845 |
| Average earning assets | $1,143,007,250 | 830 |
| Average equity | $81,293,500 | 1,127 |
| Average total loans | $682,048,750 | 927 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3328% | 2,630 |
| Cost of funding earning assets | 0.3076% | 1,657 |
| Net interest margin | 3.0252% | 2,809 |
| Noninterest income to average assets | 0.6529% | 1,531 |
| Noninterest expense to average assets | 2.6928% | 1,406 |
| Loan and lease loss provision to assets | 0.0244% | 2,157 |
| Net operating income to assets | 0.6676% | 3,421 |
| Return on assets (ROA) | 0.6536% | 3,414 |
| Pretax return on assets | 0.7375% | 3,485 |
| Return on Equity (ROE) | 9.2423% | 2,614 |
| Retained earnings to average equity (ytd only) | 2.3365% | 3,659 |
| Net charge-offs to loans | 0.0296% | 1,134 |
| Credit loss provision to net charge-offs | 150.0000% | 1,085 |
| Earnings coverage of net charge-offs (x) | 47.7800% | 1,178 |
| Efficiency ratio | 77.5714% | 1,118 |
| Assets per employee ($millions) | 8.3702% | 1,128 |
| Cash dividends to net income (ytd only)* | 74.7198% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 3,075 |
| Loan loss allowance to noncurrent loans | 409.3438% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 2,506 |
| Noncurrent loans to loans | 0.2737% | 2,382 |
| Net loans and leases to total assets | 55.9280% | 2,768 |
| Net loans and leases to deposits | 61.7623% | 2,904 |
| Net loans and leases to core deposits | 62.8888% | 3,040 |
| Total domestic deposits to total assets | 90.5536% | 1,441 |
| Equity capital to assets | 5.7912% | 4,273 |
| Core capital (leverage) ratio | 8.4112% | 4,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9665% | 2,078 |
| Memoranda: | ||
| Average total assets | $1,228,674,000 | 833 |
| Average earning assets | $1,144,379,000 | 834 |
| Average equity | $86,883,000 | 1,087 |
| Average total loans | $675,097,667 | 919 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1586% | 2,804 |
| Cost of funding earning assets | 0.3019% | 1,641 |
| Net interest margin | 2.8567% | 2,966 |
| Noninterest income to average assets | 0.6545% | 1,471 |
| Noninterest expense to average assets | 2.6659% | 1,437 |
| Loan and lease loss provision to assets | -0.1466% | 4,645 |
| Net operating income to assets | 0.6685% | 3,165 |
| Return on assets (ROA) | 0.6685% | 3,150 |
| Pretax return on assets | 0.8044% | 3,100 |
| Return on Equity (ROE) | 8.6677% | 2,452 |
| Retained earnings to average equity (ytd only) | 2.3317% | 3,452 |
| Net charge-offs to loans | -0.0548% | 4,287 |
| Credit loss provision to net charge-offs | 494.5055% | 527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1902% | 1,138 |
| Assets per employee ($millions) | 8.3574% | 1,183 |
| Cash dividends to net income (ytd only)* | 73.0994% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 3,261 |
| Loan loss allowance to noncurrent loans | 153.7453% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.3886% | 1,554 |
| Noncurrent loans to loans | 0.7259% | 1,313 |
| Net loans and leases to total assets | 52.9270% | 2,892 |
| Net loans and leases to deposits | 58.2465% | 3,051 |
| Net loans and leases to core deposits | 59.4688% | 3,190 |
| Total domestic deposits to total assets | 90.8673% | 1,101 |
| Equity capital to assets | 7.1019% | 4,157 |
| Core capital (leverage) ratio | 8.4714% | 3,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6972% | 1,918 |
| Memoranda: | ||
| Average total assets | $1,227,802,500 | 838 |
| Average earning assets | $1,147,212,000 | 833 |
| Average equity | $94,696,500 | 1,027 |
| Average total loans | $664,673,500 | 921 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5102% | 2,630 |
| Cost of funding earning assets | 0.3522% | 1,918 |
| Net interest margin | 3.1579% | 2,719 |
| Noninterest income to average assets | 0.9032% | 1,190 |
| Noninterest expense to average assets | 2.8984% | 1,159 |
| Loan and lease loss provision to assets | -0.2579% | 4,753 |
| Net operating income to assets | 1.0552% | 2,465 |
| Return on assets (ROA) | 1.0125% | 2,696 |
| Pretax return on assets | 1.1405% | 2,852 |
| Return on Equity (ROE) | 11.1471% | 2,110 |
| Retained earnings to average equity (ytd only) | 8.9008% | 1,234 |
| Net charge-offs to loans | -0.0139% | 3,845 |
| Credit loss provision to net charge-offs | 3,001.0638% | 225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6535% | 1,134 |
| Assets per employee ($millions) | 8.8957% | 952 |
| Cash dividends to net income (ytd only)* | 20.1517% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 3,077 |
| Loan loss allowance to noncurrent loans | 140.7192% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 1,462 |
| Noncurrent loans to loans | 0.8251% | 1,237 |
| Net loans and leases to total assets | 54.1194% | 2,835 |
| Net loans and leases to deposits | 60.3999% | 3,044 |
| Net loans and leases to core deposits | 61.6898% | 3,193 |
| Total domestic deposits to total assets | 89.6019% | 1,173 |
| Equity capital to assets | 8.3326% | 4,158 |
| Core capital (leverage) ratio | 8.6189% | 3,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9955% | 1,843 |
| Memoranda: | ||
| Average total assets | $1,093,942,800 | 895 |
| Average earning assets | $1,013,543,200 | 896 |
| Average equity | $99,362,400 | 1,016 |
| Average total loans | $678,421,600 | 903 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6174% | 2,503 |
| Cost of funding earning assets | 0.3634% | 1,997 |
| Net interest margin | 3.2541% | 2,567 |
| Noninterest income to average assets | 0.9916% | 1,085 |
| Noninterest expense to average assets | 2.9408% | 1,058 |
| Loan and lease loss provision to assets | -0.2773% | 4,818 |
| Net operating income to assets | 1.1684% | 2,282 |
| Return on assets (ROA) | 1.1684% | 2,344 |
| Pretax return on assets | 1.3322% | 2,535 |
| Return on Equity (ROE) | 12.5659% | 1,841 |
| Retained earnings to average equity (ytd only) | 11.3987% | 970 |
| Net charge-offs to loans | -0.0327% | 4,170 |
| Credit loss provision to net charge-offs | 1,323.3533% | 440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5573% | 1,253 |
| Assets per employee ($millions) | 8.4158% | 1,079 |
| Cash dividends to net income (ytd only)* | 9.2881% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 2,594 |
| Loan loss allowance to noncurrent loans | 155.2670% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.4642% | 1,637 |
| Noncurrent loans to loans | 0.8234% | 1,387 |
| Net loans and leases to total assets | 55.6515% | 2,769 |
| Net loans and leases to deposits | 62.4930% | 2,994 |
| Net loans and leases to core deposits | 63.9493% | 3,146 |
| Total domestic deposits to total assets | 89.0525% | 1,248 |
| Equity capital to assets | 8.7484% | 4,033 |
| Core capital (leverage) ratio | 9.0467% | 3,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6386% | 1,743 |
| Memoranda: | ||
| Average total assets | $1,062,750,500 | 927 |
| Average earning assets | $981,151,750 | 934 |
| Average equity | $98,815,500 | 1,036 |
| Average total loans | $681,200,000 | 918 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7193% | 2,283 |
| Cost of funding earning assets | 0.3729% | 2,108 |
| Net interest margin | 3.3464% | 2,310 |
| Noninterest income to average assets | 1.0644% | 971 |
| Noninterest expense to average assets | 2.9901% | 1,002 |
| Loan and lease loss provision to assets | -0.3846% | 4,874 |
| Net operating income to assets | 1.3409% | 1,740 |
| Return on assets (ROA) | 1.3409% | 1,819 |
| Pretax return on assets | 1.5362% | 1,912 |
| Return on Equity (ROE) | 14.1047% | 1,382 |
| Retained earnings to average equity (ytd only) | 14.1047% | 531 |
| Net charge-offs to loans | -0.0657% | 4,474 |
| Credit loss provision to net charge-offs | 873.8938% | 506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1896% | 1,417 |
| Assets per employee ($millions) | 7.9471% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 2,425 |
| Loan loss allowance to noncurrent loans | 157.7834% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.5007% | 1,666 |
| Noncurrent loans to loans | 0.8255% | 1,484 |
| Net loans and leases to total assets | 59.8608% | 2,444 |
| Net loans and leases to deposits | 68.3759% | 2,579 |
| Net loans and leases to core deposits | 70.1309% | 2,768 |
| Total domestic deposits to total assets | 87.5467% | 2,072 |
| Equity capital to assets | 9.1279% | 3,678 |
| Core capital (leverage) ratio | 9.5836% | 2,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0134% | 1,624 |
| Memoranda: | ||
| Average total assets | $1,027,068,333 | 947 |
| Average earning assets | $944,491,333 | 951 |
| Average equity | $97,641,333 | 1,039 |
| Average total loans | $688,453,000 | 916 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8599% | 1,934 |
| Cost of funding earning assets | 0.3848% | 2,217 |
| Net interest margin | 3.4751% | 1,896 |
| Noninterest income to average assets | 1.1819% | 873 |
| Noninterest expense to average assets | 2.9534% | 1,059 |
| Loan and lease loss provision to assets | -0.2934% | 4,855 |
| Net operating income to assets | 1.4749% | 1,388 |
| Return on assets (ROA) | 1.4749% | 1,449 |
| Pretax return on assets | 1.7092% | 1,470 |
| Return on Equity (ROE) | 15.1761% | 1,172 |
| Retained earnings to average equity (ytd only) | 15.1761% | 608 |
| Net charge-offs to loans | 0.0269% | 1,229 |
| Credit loss provision to net charge-offs | -1,542.5532% | 3,498 |
| Earnings coverage of net charge-offs (x) | 74.4255% | 734 |
| Efficiency ratio | 67.5961% | 1,996 |
| Assets per employee ($millions) | 7.2658% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 1,820 |
| Loan loss allowance to noncurrent loans | 167.8022% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.5726% | 1,655 |
| Noncurrent loans to loans | 0.8564% | 1,569 |
| Net loans and leases to total assets | 65.9040% | 1,808 |
| Net loans and leases to deposits | 76.0348% | 1,905 |
| Net loans and leases to core deposits | 78.1494% | 2,173 |
| Total domestic deposits to total assets | 86.6761% | 2,453 |
| Equity capital to assets | 9.6353% | 3,061 |
| Core capital (leverage) ratio | 10.1317% | 2,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0476% | 1,557 |
| Memoranda: | ||
| Average total assets | $988,276,500 | 965 |
| Average earning assets | $906,444,000 | 975 |
| Average equity | $96,046,000 | 1,042 |
| Average total loans | $697,689,000 | 903 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3896% | 1,618 |
| Cost of funding earning assets | 0.6506% | 1,989 |
| Net interest margin | 3.7390% | 1,667 |
| Noninterest income to average assets | 1.1282% | 839 |
| Noninterest expense to average assets | 3.1058% | 1,214 |
| Loan and lease loss provision to assets | 0.3585% | 949 |
| Net operating income to assets | 0.9572% | 2,448 |
| Return on assets (ROA) | 0.9458% | 2,648 |
| Pretax return on assets | 1.0569% | 2,850 |
| Return on Equity (ROE) | 9.6379% | 2,148 |
| Retained earnings to average equity (ytd only) | 7.9773% | 1,059 |
| Net charge-offs to loans | 0.1700% | 979 |
| Credit loss provision to net charge-offs | 271.6049% | 1,836 |
| Earnings coverage of net charge-offs (x) | 10.8099% | 2,434 |
| Efficiency ratio | 68.5217% | 2,163 |
| Assets per employee ($millions) | 6.9540% | 1,616 |
| Cash dividends to net income (ytd only)* | 17.2295% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4547% | 1,755 |
| Loan loss allowance to noncurrent loans | 160.2417% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.6763% | 1,539 |
| Noncurrent loans to loans | 0.9078% | 1,555 |
| Net loans and leases to total assets | 73.4118% | 1,103 |
| Net loans and leases to deposits | 85.2046% | 1,323 |
| Net loans and leases to core deposits | 87.1383% | 1,782 |
| Total domestic deposits to total assets | 86.1595% | 2,297 |
| Equity capital to assets | 9.8055% | 3,314 |
| Core capital (leverage) ratio | 9.9334% | 2,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8064% | 1,924 |
| Memoranda: | ||
| Average total assets | $920,529,200 | 951 |
| Average earning assets | $838,163,000 | 966 |
| Average equity | $90,331,000 | 1,055 |
| Average total loans | $714,630,200 | 859 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3995% | 1,853 |
| Cost of funding earning assets | 0.7085% | 1,976 |
| Net interest margin | 3.6910% | 1,972 |
| Noninterest income to average assets | 1.1335% | 819 |
| Noninterest expense to average assets | 3.0576% | 1,322 |
| Loan and lease loss provision to assets | 0.4840% | 630 |
| Net operating income to assets | 0.8629% | 2,850 |
| Return on assets (ROA) | 0.8475% | 3,042 |
| Pretax return on assets | 0.9334% | 3,287 |
| Return on Equity (ROE) | 8.6348% | 2,552 |
| Retained earnings to average equity (ytd only) | 6.3931% | 1,927 |
| Net charge-offs to loans | 0.1615% | 914 |
| Credit loss provision to net charge-offs | 381.9444% | 1,516 |
| Earnings coverage of net charge-offs (x) | 11.3067% | 2,307 |
| Efficiency ratio | 68.0908% | 2,178 |
| Assets per employee ($millions) | 6.8569% | 1,590 |
| Cash dividends to net income (ytd only)* | 25.9605% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 1,638 |
| Loan loss allowance to noncurrent loans | 254.3105% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 2,432 |
| Noncurrent loans to loans | 0.5597% | 2,395 |
| Net loans and leases to total assets | 73.8794% | 1,383 |
| Net loans and leases to deposits | 92.5167% | 1,033 |
| Net loans and leases to core deposits | 94.3544% | 1,606 |
| Total domestic deposits to total assets | 79.8551% | 3,890 |
| Equity capital to assets | 9.0492% | 4,079 |
| Core capital (leverage) ratio | 9.4948% | 3,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7619% | 2,297 |
| Memoranda: | ||
| Average total assets | $909,008,750 | 946 |
| Average earning assets | $826,746,750 | 963 |
| Average equity | $89,218,500 | 1,054 |
| Average total loans | $713,267,250 | 858 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 1,719 |
| Cost of funding earning assets | 0.7808% | 1,928 |
| Net interest margin | 3.7916% | 1,858 |
| Noninterest income to average assets | 1.1154% | 799 |
| Noninterest expense to average assets | 3.1472% | 1,249 |
| Loan and lease loss provision to assets | 0.5265% | 653 |
| Net operating income to assets | 0.8254% | 2,958 |
| Return on assets (ROA) | 0.8254% | 3,071 |
| Pretax return on assets | 0.8778% | 3,380 |
| Return on Equity (ROE) | 8.1633% | 2,680 |
| Retained earnings to average equity (ytd only) | 4.7676% | 2,579 |
| Net charge-offs to loans | 0.1884% | 809 |
| Credit loss provision to net charge-offs | 350.0761% | 1,513 |
| Earnings coverage of net charge-offs (x) | 9.3379% | 2,228 |
| Efficiency ratio | 69.1460% | 2,067 |
| Assets per employee ($millions) | 6.5391% | 1,746 |
| Cash dividends to net income (ytd only)* | 41.5973% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 1,860 |
| Loan loss allowance to noncurrent loans | 224.6529% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.5736% | 2,085 |
| Noncurrent loans to loans | 0.5939% | 2,378 |
| Net loans and leases to total assets | 75.6373% | 1,195 |
| Net loans and leases to deposits | 96.1829% | 784 |
| Net loans and leases to core deposits | 97.2034% | 1,481 |
| Total domestic deposits to total assets | 78.6390% | 4,087 |
| Equity capital to assets | 9.1414% | 3,970 |
| Core capital (leverage) ratio | 10.0856% | 2,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0408% | 2,161 |
| Memoranda: | ||
| Average total assets | $873,740,333 | 963 |
| Average earning assets | $791,798,000 | 978 |
| Average equity | $88,347,000 | 1,052 |
| Average total loans | $697,501,667 | 858 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9163% | 1,154 |
| Cost of funding earning assets | 0.9206% | 1,764 |
| Net interest margin | 3.9957% | 1,403 |
| Noninterest income to average assets | 1.0090% | 841 |
| Noninterest expense to average assets | 3.3090% | 1,208 |
| Loan and lease loss provision to assets | 0.7315% | 355 |
| Net operating income to assets | 0.6052% | 3,582 |
| Return on assets (ROA) | 0.5750% | 3,736 |
| Pretax return on assets | 0.5496% | 4,034 |
| Return on Equity (ROE) | 5.3782% | 3,516 |
| Retained earnings to average equity (ytd only) | -1.4643% | 4,197 |
| Net charge-offs to loans | 0.2703% | 539 |
| Credit loss provision to net charge-offs | 331.1258% | 1,112 |
| Earnings coverage of net charge-offs (x) | 5.9360% | 2,015 |
| Efficiency ratio | 71.6171% | 2,137 |
| Assets per employee ($millions) | 5.4078% | 2,220 |
| Cash dividends to net income (ytd only)* | 127.2265% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 1,667 |
| Loan loss allowance to noncurrent loans | 226.4155% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.6652% | 2,005 |
| Noncurrent loans to loans | 0.6218% | 2,438 |
| Net loans and leases to total assets | 79.8794% | 710 |
| Net loans and leases to deposits | 96.8998% | 829 |
| Net loans and leases to core deposits | 98.2066% | 1,607 |
| Total domestic deposits to total assets | 82.4350% | 3,284 |
| Equity capital to assets | 10.5764% | 3,256 |
| Core capital (leverage) ratio | 10.7881% | 2,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5140% | 2,069 |
| Memoranda: | ||
| Average total assets | $820,178,500 | 986 |
| Average earning assets | $741,289,000 | 998 |
| Average equity | $87,688,000 | 1,052 |
| Average total loans | $670,286,500 | 861 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3382% | 764 |
| Cost of funding earning assets | 0.9525% | 1,944 |
| Net interest margin | 4.3857% | 921 |
| Noninterest income to average assets | 1.0618% | 843 |
| Noninterest expense to average assets | 3.5168% | 943 |
| Loan and lease loss provision to assets | 0.9285% | 106 |
| Net operating income to assets | 0.5857% | 4,203 |
| Return on assets (ROA) | 0.5694% | 4,301 |
| Pretax return on assets | 0.5363% | 4,512 |
| Return on Equity (ROE) | 5.1101% | 4,177 |
| Retained earnings to average equity (ytd only) | 0.0461% | 4,680 |
| Net charge-offs to loans | 0.6111% | 302 |
| Credit loss provision to net charge-offs | 174.0306% | 1,490 |
| Earnings coverage of net charge-offs (x) | 2.7760% | 3,380 |
| Efficiency ratio | 70.3663% | 2,119 |
| Assets per employee ($millions) | 5.1780% | 2,361 |
| Cash dividends to net income (ytd only)* | 99.0971% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 2,164 |
| Loan loss allowance to noncurrent loans | 146.4735% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.8878% | 1,436 |
| Noncurrent loans to loans | 0.8546% | 1,801 |
| Net loans and leases to total assets | 81.4122% | 631 |
| Net loans and leases to deposits | 102.8788% | 425 |
| Net loans and leases to core deposits | 104.4835% | 1,199 |
| Total domestic deposits to total assets | 79.1340% | 4,164 |
| Equity capital to assets | 11.0053% | 2,992 |
| Core capital (leverage) ratio | 11.0832% | 2,421 |
| Tier 1 risk-based capital ratio | 13.5430% | 3,496 |
| Total risk-based capital ratio | 14.7931% | 3,397 |
| Memoranda: | ||
| Average total assets | $797,536,600 | 972 |
| Average earning assets | $715,786,200 | 996 |
| Average equity | $88,862,400 | 989 |
| Average total loans | $696,235,600 | 811 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4886% | 593 |
| Cost of funding earning assets | 0.9420% | 2,027 |
| Net interest margin | 4.5467% | 691 |
| Noninterest income to average assets | 0.9822% | 966 |
| Noninterest expense to average assets | 3.4716% | 977 |
| Loan and lease loss provision to assets | 1.1423% | 80 |
| Net operating income to assets | 0.4695% | 4,585 |
| Return on assets (ROA) | 0.4517% | 4,657 |
| Pretax return on assets | 0.4250% | 4,782 |
| Return on Equity (ROE) | 4.0415% | 4,580 |
| Retained earnings to average equity (ytd only) | -2.7219% | 4,973 |
| Net charge-offs to loans | 0.5802% | 278 |
| Credit loss provision to net charge-offs | 222.3676% | 1,207 |
| Earnings coverage of net charge-offs (x) | 3.0857% | 3,137 |
| Efficiency ratio | 68.6532% | 2,313 |
| Assets per employee ($millions) | 4.9536% | 2,608 |
| Cash dividends to net income (ytd only)* | 167.3486% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 2,170 |
| Loan loss allowance to noncurrent loans | 112.5987% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.1876% | 1,067 |
| Noncurrent loans to loans | 1.1193% | 1,419 |
| Net loans and leases to total assets | 86.6214% | 156 |
| Net loans and leases to deposits | 113.0979% | 152 |
| Net loans and leases to core deposits | 114.8625% | 713 |
| Total domestic deposits to total assets | 76.5898% | 4,573 |
| Equity capital to assets | 10.7657% | 3,318 |
| Core capital (leverage) ratio | 10.9628% | 2,680 |
| Tier 1 risk-based capital ratio | 12.7731% | 3,972 |
| Total risk-based capital ratio | 14.0237% | 3,866 |
| Memoranda: | ||
| Average total assets | $793,685,500 | 981 |
| Average earning assets | $711,268,750 | 1,001 |
| Average equity | $88,711,250 | 989 |
| Average total loans | $702,738,750 | 812 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4622% | 610 |
| Cost of funding earning assets | 0.9118% | 2,087 |
| Net interest margin | 4.5503% | 684 |
| Noninterest income to average assets | 0.9161% | 1,048 |
| Noninterest expense to average assets | 3.4313% | 1,052 |
| Loan and lease loss provision to assets | 0.7747% | 135 |
| Net operating income to assets | 0.7477% | 3,841 |
| Return on assets (ROA) | 0.7406% | 3,928 |
| Pretax return on assets | 0.7894% | 4,121 |
| Return on Equity (ROE) | 6.5434% | 3,861 |
| Retained earnings to average equity (ytd only) | -0.1885% | 4,711 |
| Net charge-offs to loans | 0.6405% | 238 |
| Credit loss provision to net charge-offs | 136.1607% | 1,610 |
| Earnings coverage of net charge-offs (x) | 2.7616% | 2,905 |
| Efficiency ratio | 68.5926% | 2,432 |
| Assets per employee ($millions) | 5.1660% | 2,288 |
| Cash dividends to net income (ytd only)* | 102.8807% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8464% | 4,277 |
| Loan loss allowance to noncurrent loans | 51.7050% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.6962% | 620 |
| Noncurrent loans to loans | 1.6369% | 941 |
| Net loans and leases to total assets | 87.9470% | 118 |
| Net loans and leases to deposits | 116.0474% | 117 |
| Net loans and leases to core deposits | 118.4785% | 589 |
| Total domestic deposits to total assets | 75.7854% | 4,696 |
| Equity capital to assets | 11.0664% | 2,979 |
| Core capital (leverage) ratio | 11.3783% | 2,267 |
| Tier 1 risk-based capital ratio | 12.9531% | 3,863 |
| Total risk-based capital ratio | 13.8209% | 3,982 |
| Memoranda: | ||
| Average total assets | $787,448,330 | 989 |
| Average earning assets | $707,157,000 | 1,006 |
| Average equity | $89,128,330 | 978 |
| Average total loans | $699,421,000 | 817 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4559% | 560 |
| Cost of funding earning assets | 0.8575% | 2,230 |
| Net interest margin | 4.5984% | 610 |
| Noninterest income to average assets | 0.7766% | 1,343 |
| Noninterest expense to average assets | 3.4638% | 1,019 |
| Loan and lease loss provision to assets | 0.7453% | 139 |
| Net operating income to assets | 0.6656% | 4,039 |
| Return on assets (ROA) | 0.6769% | 4,050 |
| Pretax return on assets | 0.7078% | 4,285 |
| Return on Equity (ROE) | 5.9124% | 4,052 |
| Retained earnings to average equity (ytd only) | -0.8215% | 4,628 |
| Net charge-offs to loans | 1.0166% | 135 |
| Credit loss provision to net charge-offs | 82.4801% | 1,769 |
| Earnings coverage of net charge-offs (x) | 1.5956% | 2,577 |
| Efficiency ratio | 70.6098% | 2,251 |
| Assets per employee ($millions) | 5.0182% | 2,496 |
| Cash dividends to net income (ytd only)* | 113.8952% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7161% | 4,745 |
| Loan loss allowance to noncurrent loans | 46.5810% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.6409% | 682 |
| Noncurrent loans to loans | 1.5373% | 1,044 |
| Net loans and leases to total assets | 87.9141% | 100 |
| Net loans and leases to deposits | 113.6267% | 151 |
| Net loans and leases to core deposits | 116.1956% | 641 |
| Total domestic deposits to total assets | 77.3710% | 4,612 |
| Equity capital to assets | 11.4451% | 2,450 |
| Core capital (leverage) ratio | 11.8046% | 1,906 |
| Tier 1 risk-based capital ratio | 13.7190% | 3,488 |
| Total risk-based capital ratio | 14.4692% | 3,664 |
| Memoranda: | ||
| Average total assets | $778,223,500 | 999 |
| Average earning assets | $698,762,500 | 1,015 |
| Average equity | $89,100,500 | 972 |
| Average total loans | $691,725,000 | 828 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3651% | 513 |
| Cost of funding earning assets | 0.7062% | 2,054 |
| Net interest margin | 4.6589% | 532 |
| Noninterest income to average assets | 0.9235% | 1,121 |
| Noninterest expense to average assets | 3.3975% | 1,155 |
| Loan and lease loss provision to assets | 0.3854% | 364 |
| Net operating income to assets | 1.1920% | 2,214 |
| Return on assets (ROA) | 1.1906% | 2,217 |
| Pretax return on assets | 1.3325% | 2,392 |
| Return on Equity (ROE) | 10.1140% | 2,471 |
| Retained earnings to average equity (ytd only) | 0.1978% | 4,929 |
| Net charge-offs to loans | 0.5529% | 315 |
| Credit loss provision to net charge-offs | 78.4681% | 2,889 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 3,402 |
| Efficiency ratio | 66.4001% | 2,799 |
| Assets per employee ($millions) | 4.9912% | 2,516 |
| Cash dividends to net income (ytd only)* | 98.0444% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7543% | 4,664 |
| Loan loss allowance to noncurrent loans | 51.3474% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.6244% | 687 |
| Noncurrent loans to loans | 1.4690% | 1,046 |
| Net loans and leases to total assets | 88.5488% | 94 |
| Net loans and leases to deposits | 116.4529% | 143 |
| Net loans and leases to core deposits | 119.3596% | 566 |
| Total domestic deposits to total assets | 76.0382% | 4,751 |
| Equity capital to assets | 11.4533% | 2,288 |
| Core capital (leverage) ratio | 11.7885% | 1,885 |
| Tier 1 risk-based capital ratio | 13.6503% | 3,462 |
| Total risk-based capital ratio | 14.4419% | 3,612 |
| Memoranda: | ||
| Average total assets | $760,175,800 | 989 |
| Average earning assets | $684,195,000 | 1,010 |
| Average equity | $89,489,600 | 941 |
| Average total loans | $675,346,600 | 815 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2971% | 525 |
| Cost of funding earning assets | 0.6658% | 2,058 |
| Net interest margin | 4.6313% | 551 |
| Noninterest income to average assets | 0.9079% | 1,176 |
| Noninterest expense to average assets | 3.4231% | 1,086 |
| Loan and lease loss provision to assets | 0.4376% | 277 |
| Net operating income to assets | 1.1034% | 2,650 |
| Return on assets (ROA) | 1.1052% | 2,653 |
| Pretax return on assets | 1.2197% | 2,916 |
| Return on Equity (ROE) | 9.3231% | 2,944 |
| Retained earnings to average equity (ytd only) | 2.4011% | 4,437 |
| Net charge-offs to loans | 0.2488% | 681 |
| Credit loss provision to net charge-offs | 198.2414% | 1,393 |
| Earnings coverage of net charge-offs (x) | 7.4996% | 2,802 |
| Efficiency ratio | 67.4010% | 2,644 |
| Assets per employee ($millions) | 4.8667% | 2,637 |
| Cash dividends to net income (ytd only)* | 74.2456% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 3,409 |
| Loan loss allowance to noncurrent loans | 47.7200% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 2.2362% | 436 |
| Noncurrent loans to loans | 2.2237% | 627 |
| Net loans and leases to total assets | 87.6319% | 159 |
| Net loans and leases to deposits | 115.0332% | 165 |
| Net loans and leases to core deposits | 117.9844% | 644 |
| Total domestic deposits to total assets | 76.1796% | 4,770 |
| Equity capital to assets | 11.6711% | 2,130 |
| Core capital (leverage) ratio | 11.9677% | 1,803 |
| Tier 1 risk-based capital ratio | 13.9697% | 3,393 |
| Total risk-based capital ratio | 15.0766% | 3,363 |
| Memoranda: | ||
| Average total assets | $755,561,750 | 995 |
| Average earning assets | $680,430,000 | 1,012 |
| Average equity | $89,567,250 | 933 |
| Average total loans | $670,506,000 | 822 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2378% | 524 |
| Cost of funding earning assets | 0.6195% | 2,110 |
| Net interest margin | 4.6183% | 532 |
| Noninterest income to average assets | 0.8747% | 1,255 |
| Noninterest expense to average assets | 3.3746% | 1,169 |
| Loan and lease loss provision to assets | 0.5417% | 200 |
| Net operating income to assets | 1.0389% | 2,856 |
| Return on assets (ROA) | 1.0375% | 2,865 |
| Pretax return on assets | 1.1229% | 3,221 |
| Return on Equity (ROE) | 8.7059% | 3,168 |
| Retained earnings to average equity (ytd only) | 1.6525% | 4,585 |
| Net charge-offs to loans | 0.2912% | 550 |
| Credit loss provision to net charge-offs | 209.4943% | 1,263 |
| Earnings coverage of net charge-offs (x) | 6.4427% | 2,624 |
| Efficiency ratio | 66.9490% | 2,832 |
| Assets per employee ($millions) | 4.8341% | 2,640 |
| Cash dividends to net income (ytd only)* | 81.0185% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 3,602 |
| Loan loss allowance to noncurrent loans | 47.4457% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 2.2129% | 438 |
| Noncurrent loans to loans | 2.1895% | 639 |
| Net loans and leases to total assets | 88.0589% | 133 |
| Net loans and leases to deposits | 119.0074% | 118 |
| Net loans and leases to core deposits | 122.4186% | 506 |
| Total domestic deposits to total assets | 73.9944% | 5,042 |
| Equity capital to assets | 11.6358% | 2,102 |
| Core capital (leverage) ratio | 12.2435% | 1,576 |
| Tier 1 risk-based capital ratio | 13.8360% | 3,442 |
| Total risk-based capital ratio | 14.9173% | 3,440 |
| Memoranda: | ||
| Average total assets | $749,478,330 | 1,001 |
| Average earning assets | $676,045,000 | 1,023 |
| Average equity | $89,319,000 | 936 |
| Average total loans | $665,548,330 | 829 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2225% | 469 |
| Cost of funding earning assets | 0.5848% | 2,139 |
| Net interest margin | 4.6377% | 461 |
| Noninterest income to average assets | 0.8315% | 1,358 |
| Noninterest expense to average assets | 3.3783% | 1,199 |
| Loan and lease loss provision to assets | 0.3676% | 321 |
| Net operating income to assets | 1.1991% | 2,007 |
| Return on assets (ROA) | 1.2050% | 1,992 |
| Pretax return on assets | 1.2888% | 2,413 |
| Return on Equity (ROE) | 9.9887% | 2,439 |
| Retained earnings to average equity (ytd only) | 4.3871% | 3,434 |
| Net charge-offs to loans | 0.1883% | 779 |
| Credit loss provision to net charge-offs | 220.0647% | 981 |
| Earnings coverage of net charge-offs (x) | 9.8803% | 1,938 |
| Efficiency ratio | 67.1791% | 2,971 |
| Assets per employee ($millions) | 4.6077% | 2,992 |
| Cash dividends to net income (ytd only)* | 56.0790% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 4,075 |
| Loan loss allowance to noncurrent loans | 82.9884% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.3404% | 1,103 |
| Noncurrent loans to loans | 1.1784% | 1,552 |
| Net loans and leases to total assets | 89.2205% | 84 |
| Net loans and leases to deposits | 114.1104% | 178 |
| Net loans and leases to core deposits | 120.7187% | 567 |
| Total domestic deposits to total assets | 78.1879% | 4,704 |
| Equity capital to assets | 12.3202% | 1,591 |
| Core capital (leverage) ratio | 12.7211% | 1,285 |
| Tier 1 risk-based capital ratio | 14.7939% | 2,982 |
| Total risk-based capital ratio | 15.8351% | 2,981 |
| Memoranda: | ||
| Average total assets | $739,907,500 | 1,018 |
| Average earning assets | $669,642,000 | 1,042 |
| Average equity | $89,261,000 | 941 |
| Average total loans | $656,351,000 | 837 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0407% | 600 |
| Cost of funding earning assets | 0.5761% | 1,771 |
| Net interest margin | 4.4645% | 676 |
| Noninterest income to average assets | 0.9265% | 1,197 |
| Noninterest expense to average assets | 3.2203% | 1,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1704% | 1,616 |
| Return on assets (ROA) | 1.1625% | 1,671 |
| Pretax return on assets | 1.7578% | 882 |
| Return on Equity (ROE) | 9.8865% | 1,939 |
| Retained earnings to average equity (ytd only) | 4.1678% | 2,665 |
| Net charge-offs to loans | 0.2290% | 1,131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 8.7678% | 2,867 |
| Efficiency ratio | 64.5627% | 3,518 |
| Assets per employee ($millions) | 4.7582% | 2,790 |
| Cash dividends to net income (ytd only)* | 57.8436% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9203% | 4,372 |
| Loan loss allowance to noncurrent loans | 85.1028% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.2086% | 1,220 |
| Noncurrent loans to loans | 1.0814% | 1,644 |
| Net loans and leases to total assets | 86.5528% | 218 |
| Net loans and leases to deposits | 114.1520% | 176 |
| Net loans and leases to core deposits | 121.2168% | 549 |
| Total domestic deposits to total assets | 75.8225% | 4,994 |
| Equity capital to assets | 11.8155% | 1,974 |
| Core capital (leverage) ratio | 12.0744% | 1,565 |
| Tier 1 risk-based capital ratio | 14.4344% | 3,120 |
| Total risk-based capital ratio | 15.4089% | 3,177 |
| Memoranda: | ||
| Average total assets | $743,554,000 | 993 |
| Average earning assets | $676,420,600 | 1,000 |
| Average equity | $87,432,000 | 926 |
| Average total loans | $654,632,600 | 799 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9264% | 716 |
| Cost of funding earning assets | 0.5648% | 1,778 |
| Net interest margin | 4.3616% | 802 |
| Noninterest income to average assets | 0.9553% | 1,130 |
| Noninterest expense to average assets | 3.1656% | 1,642 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2774% | 1,412 |
| Return on assets (ROA) | 1.2626% | 1,490 |
| Pretax return on assets | 1.7456% | 1,014 |
| Return on Equity (ROE) | 10.7512% | 1,796 |
| Retained earnings to average equity (ytd only) | 5.0097% | 2,881 |
| Net charge-offs to loans | 0.1225% | 1,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 16.3096% | 2,171 |
| Efficiency ratio | 64.2354% | 3,497 |
| Assets per employee ($millions) | 4.7987% | 2,699 |
| Cash dividends to net income (ytd only)* | 53.4037% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 3,935 |
| Loan loss allowance to noncurrent loans | 122.5852% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 1.0237% | 1,649 |
| Noncurrent loans to loans | 0.8351% | 2,277 |
| Net loans and leases to total assets | 87.9678% | 156 |
| Net loans and leases to deposits | 119.0725% | 110 |
| Net loans and leases to core deposits | 126.7934% | 390 |
| Total domestic deposits to total assets | 73.8775% | 5,245 |
| Equity capital to assets | 11.6320% | 2,249 |
| Core capital (leverage) ratio | 12.1619% | 1,593 |
| Tier 1 risk-based capital ratio | 13.8985% | 3,493 |
| Total risk-based capital ratio | 14.9808% | 3,496 |
| Memoranda: | ||
| Average total assets | $741,492,250 | 996 |
| Average earning assets | $675,392,000 | 1,005 |
| Average equity | $87,082,750 | 937 |
| Average total loans | $654,103,500 | 800 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8633% | 752 |
| Cost of funding earning assets | 0.5474% | 1,798 |
| Net interest margin | 4.3159% | 824 |
| Noninterest income to average assets | 0.9304% | 1,182 |
| Noninterest expense to average assets | 3.1411% | 1,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2487% | 1,445 |
| Return on assets (ROA) | 1.2395% | 1,505 |
| Pretax return on assets | 1.7085% | 1,035 |
| Return on Equity (ROE) | 10.5193% | 1,823 |
| Retained earnings to average equity (ytd only) | 4.7408% | 2,893 |
| Net charge-offs to loans | 0.1012% | 1,611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 19.3211% | 1,840 |
| Efficiency ratio | 64.6070% | 3,566 |
| Assets per employee ($millions) | 4.7370% | 2,739 |
| Cash dividends to net income (ytd only)* | 54.9330% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 3,577 |
| Loan loss allowance to noncurrent loans | 127.1318% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 1.0332% | 1,698 |
| Noncurrent loans to loans | 0.8663% | 2,245 |
| Net loans and leases to total assets | 87.1291% | 193 |
| Net loans and leases to deposits | 120.4959% | 93 |
| Net loans and leases to core deposits | 126.4819% | 380 |
| Total domestic deposits to total assets | 72.3088% | 5,433 |
| Equity capital to assets | 11.7694% | 2,101 |
| Core capital (leverage) ratio | 12.4912% | 1,375 |
| Tier 1 risk-based capital ratio | 14.0975% | 3,377 |
| Total risk-based capital ratio | 15.2531% | 3,342 |
| Memoranda: | ||
| Average total assets | $734,322,670 | 1,010 |
| Average earning assets | $668,925,330 | 1,020 |
| Average equity | $86,526,330 | 948 |
| Average total loans | $646,092,330 | 814 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8135% | 726 |
| Cost of funding earning assets | 0.5286% | 1,870 |
| Net interest margin | 4.2850% | 819 |
| Noninterest income to average assets | 0.9720% | 1,056 |
| Noninterest expense to average assets | 3.0964% | 1,877 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2916% | 1,262 |
| Return on assets (ROA) | 1.2817% | 1,324 |
| Pretax return on assets | 1.7724% | 855 |
| Return on Equity (ROE) | 10.8713% | 1,613 |
| Retained earnings to average equity (ytd only) | 5.0590% | 2,858 |
| Net charge-offs to loans | 0.1409% | 1,095 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 14.3850% | 1,725 |
| Efficiency ratio | 63.4678% | 3,922 |
| Assets per employee ($millions) | 4.5202% | 3,137 |
| Cash dividends to net income (ytd only)* | 53.4645% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 3,343 |
| Loan loss allowance to noncurrent loans | 143.7242% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 1.0034% | 1,812 |
| Noncurrent loans to loans | 0.8098% | 2,428 |
| Net loans and leases to total assets | 87.0047% | 159 |
| Net loans and leases to deposits | 115.6163% | 126 |
| Net loans and leases to core deposits | 120.4913% | 451 |
| Total domestic deposits to total assets | 75.2530% | 5,312 |
| Equity capital to assets | 12.1210% | 1,761 |
| Core capital (leverage) ratio | 12.3777% | 1,404 |
| Tier 1 risk-based capital ratio | 14.4887% | 3,209 |
| Total risk-based capital ratio | 15.7063% | 3,153 |
| Memoranda: | ||
| Average total assets | $729,630,000 | 1,015 |
| Average earning assets | $665,208,500 | 1,023 |
| Average equity | $86,024,500 | 949 |
| Average total loans | $641,537,500 | 821 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9118% | 725 |
| Cost of funding earning assets | 0.5508% | 1,681 |
| Net interest margin | 4.3610% | 836 |
| Noninterest income to average assets | 0.5126% | 3,153 |
| Noninterest expense to average assets | 2.6997% | 3,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3309% | 1,141 |
| Return on assets (ROA) | 1.3038% | 1,272 |
| Pretax return on assets | 1.7722% | 854 |
| Return on Equity (ROE) | 11.1512% | 1,523 |
| Retained earnings to average equity (ytd only) | 5.1688% | 2,223 |
| Net charge-offs to loans | 0.1932% | 1,437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 10.3893% | 2,645 |
| Efficiency ratio | 60.0062% | 4,581 |
| Assets per employee ($millions) | 4.8068% | 2,639 |
| Cash dividends to net income (ytd only)* | 53.6481% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 3,416 |
| Loan loss allowance to noncurrent loans | 154.8871% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.9323% | 2,033 |
| Noncurrent loans to loans | 0.7442% | 2,669 |
| Net loans and leases to total assets | 86.8154% | 190 |
| Net loans and leases to deposits | 120.1746% | 90 |
| Net loans and leases to core deposits | 125.5204% | 353 |
| Total domestic deposits to total assets | 72.2411% | 5,543 |
| Equity capital to assets | 11.4730% | 2,197 |
| Core capital (leverage) ratio | 11.3967% | 2,013 |
| Tier 1 risk-based capital ratio | 13.3525% | 3,856 |
| Total risk-based capital ratio | 14.5687% | 3,792 |
| Memoranda: | ||
| Average total assets | $714,830,600 | 1,002 |
| Average earning assets | $653,429,800 | 1,005 |
| Average equity | $83,578,600 | 955 |
| Average total loans | $640,811,000 | 777 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8989% | 726 |
| Cost of funding earning assets | 0.5453% | 1,746 |
| Net interest margin | 4.3536% | 841 |
| Noninterest income to average assets | 0.5163% | 3,142 |
| Noninterest expense to average assets | 2.7270% | 3,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3177% | 1,240 |
| Return on assets (ROA) | 1.2887% | 1,430 |
| Pretax return on assets | 1.7413% | 1,020 |
| Return on Equity (ROE) | 10.9676% | 1,684 |
| Retained earnings to average equity (ytd only) | 4.9512% | 2,859 |
| Net charge-offs to loans | 0.2531% | 926 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 7.7612% | 2,844 |
| Efficiency ratio | 60.6363% | 4,449 |
| Assets per employee ($millions) | 4.8093% | 2,602 |
| Cash dividends to net income (ytd only)* | 54.8567% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 3,573 |
| Loan loss allowance to noncurrent loans | 122.1917% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 1.1095% | 1,829 |
| Noncurrent loans to loans | 0.9370% | 2,372 |
| Net loans and leases to total assets | 87.6897% | 152 |
| Net loans and leases to deposits | 123.3285% | 83 |
| Net loans and leases to core deposits | 129.3219% | 310 |
| Total domestic deposits to total assets | 71.1025% | 5,638 |
| Equity capital to assets | 11.3695% | 2,634 |
| Core capital (leverage) ratio | 11.3168% | 2,178 |
| Tier 1 risk-based capital ratio | 13.1552% | 4,061 |
| Total risk-based capital ratio | 14.3686% | 3,996 |
| Memoranda: | ||
| Average total assets | $707,273,000 | 1,016 |
| Average earning assets | $646,737,000 | 1,016 |
| Average equity | $83,103,000 | 966 |
| Average total loans | $637,421,000 | 778 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9050% | 714 |
| Cost of funding earning assets | 0.5278% | 1,884 |
| Net interest margin | 4.3771% | 797 |
| Noninterest income to average assets | 0.4852% | 3,299 |
| Noninterest expense to average assets | 2.7367% | 3,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2831% | 1,324 |
| Return on assets (ROA) | 1.2572% | 1,518 |
| Pretax return on assets | 1.7223% | 1,040 |
| Return on Equity (ROE) | 10.5775% | 1,816 |
| Retained earnings to average equity (ytd only) | 4.5208% | 3,036 |
| Net charge-offs to loans | 0.2265% | 1,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.5147% | 2,512 |
| Efficiency ratio | 61.0209% | 4,510 |
| Assets per employee ($millions) | 4.8684% | 2,452 |
| Cash dividends to net income (ytd only)* | 57.2607% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 3,263 |
| Loan loss allowance to noncurrent loans | 145.5267% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 1.1012% | 1,924 |
| Noncurrent loans to loans | 0.8359% | 2,656 |
| Net loans and leases to total assets | 89.7130% | 74 |
| Net loans and leases to deposits | 129.3775% | 46 |
| Net loans and leases to core deposits | 134.4993% | 245 |
| Total domestic deposits to total assets | 69.3420% | 5,803 |
| Equity capital to assets | 11.4393% | 2,606 |
| Core capital (leverage) ratio | 11.6414% | 1,877 |
| Tier 1 risk-based capital ratio | 12.9518% | 4,229 |
| Total risk-based capital ratio | 14.2023% | 4,137 |
| Memoranda: | ||
| Average total assets | $694,547,670 | 1,032 |
| Average earning assets | $634,660,000 | 1,035 |
| Average equity | $82,552,670 | 967 |
| Average total loans | $629,477,000 | 790 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9392% | 652 |
| Cost of funding earning assets | 0.5266% | 1,897 |
| Net interest margin | 4.4126% | 720 |
| Noninterest income to average assets | 0.4132% | 3,726 |
| Noninterest expense to average assets | 2.7977% | 3,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2195% | 1,490 |
| Return on assets (ROA) | 1.2171% | 1,604 |
| Pretax return on assets | 1.6451% | 1,194 |
| Return on Equity (ROE) | 10.0365% | 1,970 |
| Retained earnings to average equity (ytd only) | 3.9434% | 3,520 |
| Net charge-offs to loans | 0.0268% | 2,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 67.9756% | 716 |
| Efficiency ratio | 62.9388% | 4,307 |
| Assets per employee ($millions) | 4.6478% | 2,825 |
| Cash dividends to net income (ytd only)* | 60.7091% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 2,412 |
| Loan loss allowance to noncurrent loans | 130.2728% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 1.3315% | 1,603 |
| Noncurrent loans to loans | 1.0763% | 2,241 |
| Net loans and leases to total assets | 89.3515% | 77 |
| Net loans and leases to deposits | 123.5568% | 73 |
| Net loans and leases to core deposits | 128.6975% | 292 |
| Total domestic deposits to total assets | 72.3161% | 5,752 |
| Equity capital to assets | 11.9899% | 2,035 |
| Core capital (leverage) ratio | 11.9799% | 1,620 |
| Tier 1 risk-based capital ratio | 13.6523% | 3,899 |
| Total risk-based capital ratio | 14.9054% | 3,824 |
| Memoranda: | ||
| Average total assets | $676,689,500 | 1,047 |
| Average earning assets | $618,317,500 | 1,058 |
| Average equity | $82,060,500 | 972 |
| Average total loans | $612,610,500 | 811 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9820% | 653 |
| Cost of funding earning assets | 0.4881% | 2,281 |
| Net interest margin | 4.4939% | 663 |
| Noninterest income to average assets | 0.6049% | 2,692 |
| Noninterest expense to average assets | 2.7889% | 3,276 |
| Loan and lease loss provision to assets | 0.0466% | 3,394 |
| Net operating income to assets | 1.3052% | 1,258 |
| Return on assets (ROA) | 1.2796% | 1,362 |
| Pretax return on assets | 1.8543% | 718 |
| Return on Equity (ROE) | 10.3932% | 1,846 |
| Retained earnings to average equity (ytd only) | 7.2407% | 1,183 |
| Net charge-offs to loans | 0.0420% | 3,379 |
| Credit loss provision to net charge-offs | 122.9508% | 2,109 |
| Earnings coverage of net charge-offs (x) | 50.8566% | 987 |
| Efficiency ratio | 59.1446% | 5,013 |
| Assets per employee ($millions) | 4.6539% | 2,804 |
| Cash dividends to net income (ytd only)* | 30.3324% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 2,184 |
| Loan loss allowance to noncurrent loans | 134.5335% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.3005% | 1,633 |
| Noncurrent loans to loans | 1.0845% | 2,170 |
| Net loans and leases to total assets | 89.1165% | 87 |
| Net loans and leases to deposits | 119.4332% | 106 |
| Net loans and leases to core deposits | 123.1367% | 405 |
| Total domestic deposits to total assets | 74.6161% | 5,590 |
| Equity capital to assets | 12.2682% | 1,765 |
| Core capital (leverage) ratio | 12.0642% | 1,582 |
| Tier 1 risk-based capital ratio | 13.9912% | 3,720 |
| Total risk-based capital ratio | 15.2449% | 3,643 |
| Memoranda: | ||
| Average total assets | $644,123,600 | 1,060 |
| Average earning assets | $589,177,200 | 1,059 |
| Average equity | $79,302,000 | 961 |
| Average total loans | $580,756,400 | 805 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9804% | 651 |
| Cost of funding earning assets | 0.4801% | 2,407 |
| Net interest margin | 4.5003% | 647 |
| Noninterest income to average assets | 0.6011% | 2,733 |
| Noninterest expense to average assets | 2.7898% | 3,231 |
| Loan and lease loss provision to assets | 0.0626% | 2,932 |
| Net operating income to assets | 1.2952% | 1,354 |
| Return on assets (ROA) | 1.2711% | 1,477 |
| Pretax return on assets | 1.8429% | 818 |
| Return on Equity (ROE) | 10.3153% | 1,967 |
| Retained earnings to average equity (ytd only) | 7.7746% | 1,345 |
| Net charge-offs to loans | 0.0359% | 3,190 |
| Credit loss provision to net charge-offs | 193.5484% | 1,371 |
| Earnings coverage of net charge-offs (x) | 59.6392% | 926 |
| Efficiency ratio | 59.1154% | 4,989 |
| Assets per employee ($millions) | 4.6231% | 2,802 |
| Cash dividends to net income (ytd only)* | 24.6305% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 2,206 |
| Loan loss allowance to noncurrent loans | 138.8976% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 1.3478% | 1,728 |
| Noncurrent loans to loans | 1.0717% | 2,340 |
| Net loans and leases to total assets | 89.4194% | 77 |
| Net loans and leases to deposits | 120.9181% | 94 |
| Net loans and leases to core deposits | 126.7784% | 323 |
| Total domestic deposits to total assets | 73.9504% | 5,719 |
| Equity capital to assets | 12.3195% | 1,863 |
| Core capital (leverage) ratio | 12.4993% | 1,417 |
| Tier 1 risk-based capital ratio | 14.4604% | 3,599 |
| Total risk-based capital ratio | 15.7147% | 3,504 |
| Memoranda: | ||
| Average total assets | $638,777,250 | 1,081 |
| Average earning assets | $584,543,750 | 1,075 |
| Average equity | $78,716,000 | 971 |
| Average total loans | $575,480,750 | 816 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9672% | 627 |
| Cost of funding earning assets | 0.4779% | 2,448 |
| Net interest margin | 4.4892% | 655 |
| Noninterest income to average assets | 0.5963% | 2,765 |
| Noninterest expense to average assets | 2.8034% | 3,223 |
| Loan and lease loss provision to assets | 0.0948% | 2,232 |
| Net operating income to assets | 1.2603% | 1,424 |
| Return on assets (ROA) | 1.2363% | 1,572 |
| Pretax return on assets | 1.7823% | 923 |
| Return on Equity (ROE) | 10.0313% | 2,053 |
| Retained earnings to average equity (ytd only) | 8.7492% | 1,009 |
| Net charge-offs to loans | 0.0390% | 2,898 |
| Credit loss provision to net charge-offs | 270.2703% | 994 |
| Earnings coverage of net charge-offs (x) | 54.1982% | 901 |
| Efficiency ratio | 59.5889% | 5,036 |
| Assets per employee ($millions) | 4.6627% | 2,728 |
| Cash dividends to net income (ytd only)* | 12.7812% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 2,229 |
| Loan loss allowance to noncurrent loans | 122.1096% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.5036% | 1,636 |
| Noncurrent loans to loans | 1.2403% | 2,176 |
| Net loans and leases to total assets | 89.4372% | 85 |
| Net loans and leases to deposits | 119.8217% | 98 |
| Net loans and leases to core deposits | 126.0748% | 336 |
| Total domestic deposits to total assets | 74.6419% | 5,734 |
| Equity capital to assets | 12.2951% | 1,805 |
| Core capital (leverage) ratio | 12.3969% | 1,434 |
| Tier 1 risk-based capital ratio | 14.5400% | 3,611 |
| Total risk-based capital ratio | 15.7947% | 3,538 |
| Memoranda: | ||
| Average total assets | $632,874,000 | 1,093 |
| Average earning assets | $579,165,000 | 1,090 |
| Average equity | $77,996,000 | 983 |
| Average total loans | $568,675,330 | 826 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9025% | 696 |
| Cost of funding earning assets | 0.4790% | 2,459 |
| Net interest margin | 4.4235% | 697 |
| Noninterest income to average assets | 0.5738% | 2,811 |
| Noninterest expense to average assets | 2.8033% | 3,243 |
| Loan and lease loss provision to assets | 0.1919% | 980 |
| Net operating income to assets | 1.1490% | 1,708 |
| Return on assets (ROA) | 1.1323% | 1,857 |
| Pretax return on assets | 1.6089% | 1,249 |
| Return on Equity (ROE) | 9.1768% | 2,367 |
| Retained earnings to average equity (ytd only) | 9.1768% | 1,137 |
| Net charge-offs to loans | 0.0623% | 2,125 |
| Credit loss provision to net charge-offs | 344.8276% | 734 |
| Earnings coverage of net charge-offs (x) | 32.6552% | 1,094 |
| Efficiency ratio | 60.6673% | 5,008 |
| Assets per employee ($millions) | 4.8175% | 2,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 2,346 |
| Loan loss allowance to noncurrent loans | 124.5888% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 1.5401% | 1,681 |
| Noncurrent loans to loans | 1.2245% | 2,325 |
| Net loans and leases to total assets | 89.3729% | 71 |
| Net loans and leases to deposits | 119.2075% | 92 |
| Net loans and leases to core deposits | 125.4197% | 302 |
| Total domestic deposits to total assets | 74.9725% | 5,834 |
| Equity capital to assets | 12.0897% | 1,961 |
| Core capital (leverage) ratio | 12.6422% | 1,297 |
| Tier 1 risk-based capital ratio | 14.2942% | 3,828 |
| Total risk-based capital ratio | 15.5489% | 3,754 |
| Memoranda: | ||
| Average total assets | $625,255,000 | 1,109 |
| Average earning assets | $572,038,500 | 1,109 |
| Average equity | $77,151,000 | 993 |
| Average total loans | $558,729,500 | 838 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0673% | 679 |
| Cost of funding earning assets | 0.6905% | 1,148 |
| Net interest margin | 4.3768% | 919 |
| Noninterest income to average assets | 0.6024% | 2,844 |
| Noninterest expense to average assets | 2.7052% | 3,845 |
| Loan and lease loss provision to assets | 0.3889% | 468 |
| Net operating income to assets | 1.0462% | 2,183 |
| Return on assets (ROA) | 1.0462% | 2,254 |
| Pretax return on assets | 1.5057% | 1,518 |
| Return on Equity (ROE) | 9.2320% | 2,468 |
| Retained earnings to average equity (ytd only) | 7.2489% | 1,297 |
| Net charge-offs to loans | 0.3367% | 1,303 |
| Credit loss provision to net charge-offs | 131.6559% | 1,810 |
| Earnings coverage of net charge-offs (x) | 6.4131% | 3,207 |
| Efficiency ratio | 58.8109% | 5,365 |
| Assets per employee ($millions) | 4.4483% | 3,123 |
| Cash dividends to net income (ytd only)* | 21.4805% | 3,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6413% | 1,950 |
| Loan loss allowance to noncurrent loans | 125.0896% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.7326% | 1,537 |
| Noncurrent loans to loans | 1.3121% | 2,249 |
| Net loans and leases to total assets | 86.4271% | 180 |
| Net loans and leases to deposits | 106.1171% | 353 |
| Net loans and leases to core deposits | 115.6706% | 536 |
| Total domestic deposits to total assets | 81.4451% | 4,615 |
| Equity capital to assets | 12.6052% | 1,584 |
| Core capital (leverage) ratio | 12.6959% | 1,255 |
| Tier 1 risk-based capital ratio | 15.8648% | 3,024 |
| Total risk-based capital ratio | 17.1199% | 2,978 |
| Memoranda: | ||
| Average total assets | $578,483,800 | 1,140 |
| Average earning assets | $528,331,400 | 1,151 |
| Average equity | $65,554,600 | 1,124 |
| Average total loans | $507,545,200 | 880 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0655% | 691 |
| Cost of funding earning assets | 0.7091% | 1,113 |
| Net interest margin | 4.3564% | 946 |
| Noninterest income to average assets | 0.6197% | 2,749 |
| Noninterest expense to average assets | 2.6710% | 3,940 |
| Loan and lease loss provision to assets | 0.5246% | 281 |
| Net operating income to assets | 0.9655% | 2,621 |
| Return on assets (ROA) | 0.9655% | 2,688 |
| Pretax return on assets | 1.4019% | 2,001 |
| Return on Equity (ROE) | 8.7807% | 2,797 |
| Retained earnings to average equity (ytd only) | 6.7663% | 1,947 |
| Net charge-offs to loans | 0.4873% | 802 |
| Credit loss provision to net charge-offs | 122.7496% | 1,877 |
| Earnings coverage of net charge-offs (x) | 4.5079% | 3,442 |
| Efficiency ratio | 58.0963% | 5,429 |
| Assets per employee ($millions) | 4.4306% | 3,085 |
| Cash dividends to net income (ytd only)* | 22.9414% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6446% | 2,152 |
| Loan loss allowance to noncurrent loans | 121.9308% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 1.8546% | 1,592 |
| Noncurrent loans to loans | 1.3488% | 2,386 |
| Net loans and leases to total assets | 86.6386% | 163 |
| Net loans and leases to deposits | 105.3667% | 354 |
| Net loans and leases to core deposits | 114.1439% | 583 |
| Total domestic deposits to total assets | 82.2258% | 4,408 |
| Equity capital to assets | 11.3040% | 2,655 |
| Core capital (leverage) ratio | 11.2546% | 2,257 |
| Tier 1 risk-based capital ratio | 13.8290% | 4,337 |
| Total risk-based capital ratio | 16.7790% | 3,239 |
| Memoranda: | ||
| Average total assets | $571,862,000 | 1,163 |
| Average earning assets | $522,157,750 | 1,174 |
| Average equity | $62,878,750 | 1,169 |
| Average total loans | $501,535,500 | 894 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0324% | 707 |
| Cost of funding earning assets | 0.7255% | 1,048 |
| Net interest margin | 4.3069% | 1,010 |
| Noninterest income to average assets | 0.5962% | 2,835 |
| Noninterest expense to average assets | 2.6685% | 3,985 |
| Loan and lease loss provision to assets | 0.5314% | 275 |
| Net operating income to assets | 0.9161% | 2,726 |
| Return on assets (ROA) | 0.9161% | 2,828 |
| Pretax return on assets | 1.3270% | 2,164 |
| Return on Equity (ROE) | 8.4142% | 2,889 |
| Retained earnings to average equity (ytd only) | 6.2992% | 2,156 |
| Net charge-offs to loans | 0.6833% | 562 |
| Credit loss provision to net charge-offs | 88.8099% | 2,198 |
| Earnings coverage of net charge-offs (x) | 3.1060% | 3,387 |
| Efficiency ratio | 58.9483% | 5,437 |
| Assets per employee ($millions) | 4.2745% | 3,320 |
| Cash dividends to net income (ytd only)* | 25.1353% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5707% | 2,578 |
| Loan loss allowance to noncurrent loans | 108.2893% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 2.0126% | 1,591 |
| Noncurrent loans to loans | 1.4505% | 2,382 |
| Net loans and leases to total assets | 88.1271% | 94 |
| Net loans and leases to deposits | 105.9008% | 308 |
| Net loans and leases to core deposits | 112.8722% | 573 |
| Total domestic deposits to total assets | 83.2167% | 4,223 |
| Equity capital to assets | 11.5814% | 2,351 |
| Core capital (leverage) ratio | 11.2830% | 2,169 |
| Tier 1 risk-based capital ratio | 14.1506% | 4,151 |
| Total risk-based capital ratio | 17.2317% | 3,032 |
| Memoranda: | ||
| Average total assets | $564,581,670 | 1,178 |
| Average earning assets | $515,262,000 | 1,190 |
| Average equity | $61,467,670 | 1,188 |
| Average total loans | $494,388,330 | 900 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 887 |
| Cost of funding earning assets | 0.7384% | 1,028 |
| Net interest margin | 4.1515% | 1,336 |
| Noninterest income to average assets | 0.5531% | 3,029 |
| Noninterest expense to average assets | 2.6561% | 4,094 |
| Loan and lease loss provision to assets | 0.5332% | 267 |
| Net operating income to assets | 0.8077% | 3,113 |
| Return on assets (ROA) | 0.8077% | 3,190 |
| Pretax return on assets | 1.1610% | 2,653 |
| Return on Equity (ROE) | 7.6652% | 3,112 |
| Retained earnings to average equity (ytd only) | 4.9662% | 3,128 |
| Net charge-offs to loans | 0.7596% | 459 |
| Credit loss provision to net charge-offs | 81.0811% | 1,889 |
| Earnings coverage of net charge-offs (x) | 2.5762% | 2,848 |
| Efficiency ratio | 61.0557% | 5,259 |
| Assets per employee ($millions) | 4.2749% | 3,391 |
| Cash dividends to net income (ytd only)* | 35.2113% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6282% | 2,585 |
| Loan loss allowance to noncurrent loans | 72.4338% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 2.3556% | 1,379 |
| Noncurrent loans to loans | 2.2478% | 1,607 |
| Net loans and leases to total assets | 84.4734% | 212 |
| Net loans and leases to deposits | 101.9944% | 365 |
| Net loans and leases to core deposits | 107.9202% | 681 |
| Total domestic deposits to total assets | 82.8217% | 4,665 |
| Equity capital to assets | 11.2868% | 2,444 |
| Core capital (leverage) ratio | 11.2922% | 2,144 |
| Tier 1 risk-based capital ratio | 14.3045% | 4,125 |
| Total risk-based capital ratio | 17.4686% | 3,008 |
| Memoranda: | ||
| Average total assets | $562,619,500 | 1,186 |
| Average earning assets | $514,614,000 | 1,195 |
| Average equity | $59,281,000 | 1,230 |
| Average total loans | $487,081,000 | 916 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0242% | 874 |
| Cost of funding earning assets | 0.9232% | 656 |
| Net interest margin | 4.1010% | 1,636 |
| Noninterest income to average assets | 0.6814% | 2,640 |
| Noninterest expense to average assets | 2.5965% | 4,480 |
| Loan and lease loss provision to assets | 0.6678% | 351 |
| Net operating income to assets | 0.8139% | 3,222 |
| Return on assets (ROA) | 0.8139% | 3,318 |
| Pretax return on assets | 1.1661% | 2,704 |
| Return on Equity (ROE) | 8.9850% | 2,537 |
| Retained earnings to average equity (ytd only) | 5.9581% | 2,003 |
| Net charge-offs to loans | 0.7545% | 842 |
| Credit loss provision to net charge-offs | 100.8011% | 2,395 |
| Earnings coverage of net charge-offs (x) | 2.7682% | 4,080 |
| Efficiency ratio | 58.6065% | 5,663 |
| Assets per employee ($millions) | 4.1534% | 3,525 |
| Cash dividends to net income (ytd only)* | 33.6883% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 2,413 |
| Loan loss allowance to noncurrent loans | 65.0453% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 2.7534% | 1,205 |
| Noncurrent loans to loans | 2.6090% | 1,432 |
| Net loans and leases to total assets | 85.8204% | 164 |
| Net loans and leases to deposits | 102.1209% | 390 |
| Net loans and leases to core deposits | 108.1487% | 689 |
| Total domestic deposits to total assets | 84.0380% | 4,155 |
| Equity capital to assets | 9.7587% | 4,088 |
| Core capital (leverage) ratio | 9.4101% | 4,398 |
| Tier 1 risk-based capital ratio | 12.1886% | 5,502 |
| Total risk-based capital ratio | 15.4298% | 4,111 |
| Memoranda: | ||
| Average total assets | $565,295,200 | 1,169 |
| Average earning assets | $516,775,000 | 1,174 |
| Average equity | $51,207,600 | 1,389 |
| Average total loans | $496,347,400 | 857 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0196% | 908 |
| Cost of funding earning assets | 0.9493% | 648 |
| Net interest margin | 4.0704% | 1,725 |
| Noninterest income to average assets | 0.6829% | 2,721 |
| Noninterest expense to average assets | 2.5321% | 4,612 |
| Loan and lease loss provision to assets | 0.7094% | 309 |
| Net operating income to assets | 0.8072% | 3,308 |
| Return on assets (ROA) | 0.8072% | 3,440 |
| Pretax return on assets | 1.1621% | 2,842 |
| Return on Equity (ROE) | 9.0817% | 2,595 |
| Retained earnings to average equity (ytd only) | 6.0474% | 2,377 |
| Net charge-offs to loans | 0.7575% | 790 |
| Credit loss provision to net charge-offs | 106.5141% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.8099% | 3,899 |
| Efficiency ratio | 57.5012% | 5,748 |
| Assets per employee ($millions) | 4.1171% | 3,605 |
| Cash dividends to net income (ytd only)* | 33.4109% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7301% | 2,520 |
| Loan loss allowance to noncurrent loans | 67.5879% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 2.6461% | 1,427 |
| Noncurrent loans to loans | 2.5598% | 1,677 |
| Net loans and leases to total assets | 85.2183% | 182 |
| Net loans and leases to deposits | 102.5712% | 350 |
| Net loans and leases to core deposits | 108.1400% | 661 |
| Total domestic deposits to total assets | 83.0821% | 4,545 |
| Equity capital to assets | 9.2894% | 4,817 |
| Core capital (leverage) ratio | 9.2166% | 4,812 |
| Tier 1 risk-based capital ratio | 11.9211% | 5,825 |
| Total risk-based capital ratio | 15.3119% | 4,331 |
| Memoranda: | ||
| Average total assets | $568,518,750 | 1,179 |
| Average earning assets | $519,680,000 | 1,183 |
| Average equity | $50,532,750 | 1,414 |
| Average total loans | $499,870,000 | 847 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0061% | 901 |
| Cost of funding earning assets | 0.9570% | 694 |
| Net interest margin | 4.0491% | 1,701 |
| Noninterest income to average assets | 0.6736% | 2,775 |
| Noninterest expense to average assets | 2.4915% | 4,768 |
| Loan and lease loss provision to assets | 0.7071% | 328 |
| Net operating income to assets | 0.8195% | 3,199 |
| Return on assets (ROA) | 0.8195% | 3,354 |
| Pretax return on assets | 1.1775% | 2,775 |
| Return on Equity (ROE) | 9.3568% | 2,470 |
| Retained earnings to average equity (ytd only) | 6.3668% | 2,220 |
| Net charge-offs to loans | 0.8260% | 757 |
| Credit loss provision to net charge-offs | 96.9363% | 2,305 |
| Earnings coverage of net charge-offs (x) | 2.5835% | 3,660 |
| Efficiency ratio | 56.9342% | 5,861 |
| Assets per employee ($millions) | 4.2487% | 3,255 |
| Cash dividends to net income (ytd only)* | 31.9557% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 2,939 |
| Loan loss allowance to noncurrent loans | 58.2475% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 3.0037% | 1,348 |
| Noncurrent loans to loans | 2.8485% | 1,586 |
| Net loans and leases to total assets | 86.1507% | 147 |
| Net loans and leases to deposits | 105.3107% | 241 |
| Net loans and leases to core deposits | 110.9724% | 527 |
| Total domestic deposits to total assets | 81.8062% | 5,110 |
| Equity capital to assets | 9.1452% | 5,047 |
| Core capital (leverage) ratio | 9.0902% | 4,840 |
| Tier 1 risk-based capital ratio | 11.5127% | 6,105 |
| Total risk-based capital ratio | 14.8574% | 4,668 |
| Memoranda: | ||
| Average total assets | $572,755,670 | 1,173 |
| Average earning assets | $523,724,330 | 1,169 |
| Average equity | $50,166,670 | 1,426 |
| Average total loans | $505,830,330 | 837 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9699% | 954 |
| Cost of funding earning assets | 0.9625% | 733 |
| Net interest margin | 4.0074% | 1,749 |
| Noninterest income to average assets | 0.6005% | 3,134 |
| Noninterest expense to average assets | 2.4647% | 4,891 |
| Loan and lease loss provision to assets | 0.6198% | 403 |
| Net operating income to assets | 0.8312% | 3,001 |
| Return on assets (ROA) | 0.8312% | 3,143 |
| Pretax return on assets | 1.1804% | 2,646 |
| Return on Equity (ROE) | 9.6949% | 2,197 |
| Retained earnings to average equity (ytd only) | 6.8836% | 2,211 |
| Net charge-offs to loans | 0.6175% | 987 |
| Credit loss provision to net charge-offs | 113.2075% | 1,666 |
| Earnings coverage of net charge-offs (x) | 3.2881% | 2,800 |
| Efficiency ratio | 57.7911% | 5,874 |
| Assets per employee ($millions) | 4.3884% | 3,173 |
| Cash dividends to net income (ytd only)* | 28.9975% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6963% | 3,028 |
| Loan loss allowance to noncurrent loans | 70.6743% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 2.5534% | 1,793 |
| Noncurrent loans to loans | 2.4002% | 2,161 |
| Net loans and leases to total assets | 84.5445% | 173 |
| Net loans and leases to deposits | 104.2739% | 225 |
| Net loans and leases to core deposits | 111.1911% | 457 |
| Total domestic deposits to total assets | 81.0792% | 5,474 |
| Equity capital to assets | 8.8713% | 5,641 |
| Core capital (leverage) ratio | 8.6752% | 5,358 |
| Tier 1 risk-based capital ratio | 11.5414% | 6,163 |
| Total risk-based capital ratio | 14.9234% | 4,710 |
| Memoranda: | ||
| Average total assets | $580,840,500 | 1,163 |
| Average earning assets | $531,113,500 | 1,160 |
| Average equity | $49,799,500 | 1,459 |
| Average total loans | $514,949,000 | 823 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1971% | 1,121 |
| Cost of funding earning assets | 1.2015% | 575 |
| Net interest margin | 3.9956% | 2,405 |
| Noninterest income to average assets | 0.6383% | 3,061 |
| Noninterest expense to average assets | 2.3104% | 5,668 |
| Loan and lease loss provision to assets | 0.7345% | 694 |
| Net operating income to assets | 0.8835% | 2,899 |
| Return on assets (ROA) | 0.8835% | 3,142 |
| Pretax return on assets | 1.2539% | 2,592 |
| Return on Equity (ROE) | 10.6085% | 1,937 |
| Retained earnings to average equity (ytd only) | 8.2987% | 1,030 |
| Net charge-offs to loans | 0.5847% | 1,978 |
| Credit loss provision to net charge-offs | 140.7979% | 1,955 |
| Earnings coverage of net charge-offs (x) | 3.8116% | 3,595 |
| Efficiency ratio | 53.7448% | 6,290 |
| Assets per employee ($millions) | 4.8817% | 2,379 |
| Cash dividends to net income (ytd only)* | 21.7736% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 3,740 |
| Loan loss allowance to noncurrent loans | 60.9098% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 2.7320% | 1,768 |
| Noncurrent loans to loans | 2.4653% | 2,153 |
| Net loans and leases to total assets | 89.8080% | 49 |
| Net loans and leases to deposits | 117.8516% | 79 |
| Net loans and leases to core deposits | 124.7596% | 234 |
| Total domestic deposits to total assets | 76.2043% | 6,332 |
| Equity capital to assets | 8.2908% | 6,208 |
| Core capital (leverage) ratio | 8.3628% | 5,807 |
| Tier 1 risk-based capital ratio | 10.7983% | 6,431 |
| Total risk-based capital ratio | 14.0964% | 5,156 |
| Memoranda: | ||
| Average total assets | $571,802,600 | 1,161 |
| Average earning assets | $523,853,600 | 1,153 |
| Average equity | $47,622,000 | 1,468 |
| Average total loans | $510,168,400 | 811 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2036% | 1,188 |
| Cost of funding earning assets | 1.2574% | 542 |
| Net interest margin | 3.9461% | 2,719 |
| Noninterest income to average assets | 0.6284% | 3,116 |
| Noninterest expense to average assets | 2.3308% | 5,597 |
| Loan and lease loss provision to assets | 0.6362% | 834 |
| Net operating income to assets | 0.8892% | 3,040 |
| Return on assets (ROA) | 0.8892% | 3,275 |
| Pretax return on assets | 1.2780% | 2,677 |
| Return on Equity (ROE) | 10.6646% | 2,071 |
| Retained earnings to average equity (ytd only) | 8.4039% | 1,441 |
| Net charge-offs to loans | 0.4694% | 2,224 |
| Credit loss provision to net charge-offs | 152.8014% | 1,840 |
| Earnings coverage of net charge-offs (x) | 4.5976% | 3,258 |
| Efficiency ratio | 54.9067% | 6,153 |
| Assets per employee ($millions) | 4.8522% | 2,376 |
| Cash dividends to net income (ytd only)* | 21.1977% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 3,995 |
| Loan loss allowance to noncurrent loans | 66.1901% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 2.5298% | 2,088 |
| Noncurrent loans to loans | 2.2510% | 2,554 |
| Net loans and leases to total assets | 88.6270% | 75 |
| Net loans and leases to deposits | 116.7786% | 93 |
| Net loans and leases to core deposits | 123.6439% | 254 |
| Total domestic deposits to total assets | 75.8932% | 6,396 |
| Equity capital to assets | 8.3078% | 6,414 |
| Core capital (leverage) ratio | 8.4020% | 5,892 |
| Tier 1 risk-based capital ratio | 10.7867% | 6,566 |
| Total risk-based capital ratio | 14.2017% | 5,254 |
| Memoranda: | ||
| Average total assets | $565,860,000 | 1,187 |
| Average earning assets | $518,604,000 | 1,183 |
| Average equity | $47,183,000 | 1,494 |
| Average total loans | $501,954,000 | 829 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1622% | 1,347 |
| Cost of funding earning assets | 1.2961% | 538 |
| Net interest margin | 3.8661% | 3,059 |
| Noninterest income to average assets | 0.5913% | 3,309 |
| Noninterest expense to average assets | 2.3151% | 5,690 |
| Loan and lease loss provision to assets | 0.6443% | 888 |
| Net operating income to assets | 0.8107% | 3,352 |
| Return on assets (ROA) | 0.8107% | 3,608 |
| Pretax return on assets | 1.1744% | 3,035 |
| Return on Equity (ROE) | 9.7103% | 2,479 |
| Retained earnings to average equity (ytd only) | 7.5667% | 1,834 |
| Net charge-offs to loans | 0.4582% | 2,227 |
| Credit loss provision to net charge-offs | 159.2920% | 1,748 |
| Earnings coverage of net charge-offs (x) | 4.4965% | 3,064 |
| Efficiency ratio | 56.0048% | 6,112 |
| Assets per employee ($millions) | 4.5738% | 2,765 |
| Cash dividends to net income (ytd only)* | 22.0751% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5476% | 3,798 |
| Loan loss allowance to noncurrent loans | 44.8764% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 3.6623% | 1,435 |
| Noncurrent loans to loans | 3.4487% | 1,673 |
| Net loans and leases to total assets | 87.4404% | 96 |
| Net loans and leases to deposits | 109.5707% | 155 |
| Net loans and leases to core deposits | 116.5139% | 380 |
| Total domestic deposits to total assets | 79.8027% | 5,793 |
| Equity capital to assets | 8.5923% | 6,128 |
| Core capital (leverage) ratio | 8.4999% | 5,649 |
| Tier 1 risk-based capital ratio | 11.0251% | 6,483 |
| Total risk-based capital ratio | 14.5902% | 4,898 |
| Memoranda: | ||
| Average total assets | $558,773,000 | 1,209 |
| Average earning assets | $511,994,670 | 1,203 |
| Average equity | $46,651,670 | 1,497 |
| Average total loans | $493,199,330 | 837 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1918% | 1,334 |
| Cost of funding earning assets | 1.3162% | 588 |
| Net interest margin | 3.8756% | 3,026 |
| Noninterest income to average assets | 0.5400% | 3,624 |
| Noninterest expense to average assets | 2.2912% | 5,788 |
| Loan and lease loss provision to assets | 0.6412% | 860 |
| Net operating income to assets | 0.7865% | 3,440 |
| Return on assets (ROA) | 0.7865% | 3,679 |
| Pretax return on assets | 1.1677% | 3,036 |
| Return on Equity (ROE) | 9.5581% | 2,577 |
| Retained earnings to average equity (ytd only) | 7.3937% | 2,232 |
| Net charge-offs to loans | 0.4235% | 2,037 |
| Credit loss provision to net charge-offs | 172.0841% | 1,485 |
| Earnings coverage of net charge-offs (x) | 4.8547% | 2,489 |
| Efficiency ratio | 55.8818% | 6,133 |
| Assets per employee ($millions) | 4.5645% | 2,872 |
| Cash dividends to net income (ytd only)* | 22.6449% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 4,002 |
| Loan loss allowance to noncurrent loans | 41.3104% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 3.5561% | 1,610 |
| Noncurrent loans to loans | 3.7198% | 1,666 |
| Net loans and leases to total assets | 84.1569% | 178 |
| Net loans and leases to deposits | 105.3087% | 225 |
| Net loans and leases to core deposits | 112.3048% | 463 |
| Total domestic deposits to total assets | 79.9145% | 5,872 |
| Equity capital to assets | 8.3730% | 6,201 |
| Core capital (leverage) ratio | 8.3569% | 5,798 |
| Tier 1 risk-based capital ratio | 10.9794% | 6,547 |
| Total risk-based capital ratio | 14.6032% | 4,922 |
| Memoranda: | ||
| Average total assets | $561,447,000 | 1,209 |
| Average earning assets | $515,739,500 | 1,190 |
| Average equity | $46,201,500 | 1,507 |
| Average total loans | $494,037,000 | 838 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4049% | 1,405 |
| Cost of funding earning assets | 1.4827% | 761 |
| Net interest margin | 3.9221% | 3,244 |
| Noninterest income to average assets | 0.5779% | 3,308 |
| Noninterest expense to average assets | 2.2892% | 6,066 |
| Loan and lease loss provision to assets | 0.7224% | 1,415 |
| Net operating income to assets | 0.8332% | 2,902 |
| Return on assets (ROA) | 0.9036% | 2,716 |
| Pretax return on assets | 1.2877% | 2,180 |
| Return on Equity (ROE) | 11.2287% | 1,640 |
| Retained earnings to average equity (ytd only) | 9.1414% | 764 |
| Net charge-offs to loans | 0.5751% | 2,727 |
| Credit loss provision to net charge-offs | 140.4001% | 2,099 |
| Earnings coverage of net charge-offs (x) | 3.7111% | 3,415 |
| Efficiency ratio | 54.3230% | 6,479 |
| Assets per employee ($millions) | 4.6395% | 2,701 |
| Cash dividends to net income (ytd only)* | 18.5888% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 4,646 |
| Loan loss allowance to noncurrent loans | 46.9509% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 3.1534% | 1,896 |
| Noncurrent loans to loans | 2.8851% | 2,266 |
| Net loans and leases to total assets | 89.2504% | 53 |
| Net loans and leases to deposits | 115.8738% | 107 |
| Net loans and leases to core deposits | 123.1161% | 307 |
| Total domestic deposits to total assets | 77.0238% | 6,339 |
| Equity capital to assets | 8.0873% | 6,516 |
| Core capital (leverage) ratio | 7.9990% | 6,273 |
| Tier 1 risk-based capital ratio | 10.4843% | 6,692 |
| Total risk-based capital ratio | 14.0588% | 5,212 |
| Memoranda: | ||
| Average total assets | $553,689,800 | 1,192 |
| Average earning assets | $511,150,200 | 1,180 |
| Average equity | $44,555,400 | 1,524 |
| Average total loans | $495,391,600 | 845 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3893% | 1,546 |
| Cost of funding earning assets | 1.5150% | 815 |
| Net interest margin | 3.8743% | 3,500 |
| Noninterest income to average assets | 0.5826% | 3,280 |
| Noninterest expense to average assets | 2.3038% | 6,020 |
| Loan and lease loss provision to assets | 0.7507% | 1,268 |
| Net operating income to assets | 0.7625% | 3,331 |
| Return on assets (ROA) | 0.8555% | 3,072 |
| Pretax return on assets | 1.2417% | 2,482 |
| Return on Equity (ROE) | 10.6453% | 1,974 |
| Retained earnings to average equity (ytd only) | 8.4457% | 1,339 |
| Net charge-offs to loans | 0.5543% | 2,574 |
| Credit loss provision to net charge-offs | 151.8119% | 2,050 |
| Earnings coverage of net charge-offs (x) | 3.7566% | 3,313 |
| Efficiency ratio | 55.0946% | 6,378 |
| Assets per employee ($millions) | 4.7587% | 2,544 |
| Cash dividends to net income (ytd only)* | 20.6623% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 4,907 |
| Loan loss allowance to noncurrent loans | 55.5069% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 2.7318% | 2,377 |
| Noncurrent loans to loans | 2.3816% | 2,911 |
| Net loans and leases to total assets | 90.2139% | 39 |
| Net loans and leases to deposits | 114.5932% | 122 |
| Net loans and leases to core deposits | 126.1602% | 289 |
| Total domestic deposits to total assets | 78.7253% | 6,040 |
| Equity capital to assets | 8.0567% | 6,658 |
| Core capital (leverage) ratio | 7.9691% | 6,425 |
| Tier 1 risk-based capital ratio | 10.1903% | 6,897 |
| Total risk-based capital ratio | 13.8109% | 5,433 |
| Memoranda: | ||
| Average total assets | $550,607,000 | 1,209 |
| Average earning assets | $508,602,250 | 1,191 |
| Average equity | $44,250,250 | 1,537 |
| Average total loans | $491,211,250 | 866 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3790% | 1,628 |
| Cost of funding earning assets | 1.5435% | 856 |
| Net interest margin | 3.8354% | 3,619 |
| Noninterest income to average assets | 0.5878% | 3,207 |
| Noninterest expense to average assets | 2.3708% | 5,929 |
| Loan and lease loss provision to assets | 0.8068% | 1,137 |
| Net operating income to assets | 0.6745% | 3,670 |
| Return on assets (ROA) | 0.7646% | 3,354 |
| Pretax return on assets | 1.0781% | 2,941 |
| Return on Equity (ROE) | 9.5222% | 2,299 |
| Retained earnings to average equity (ytd only) | 7.1017% | 1,830 |
| Net charge-offs to loans | 0.6128% | 2,296 |
| Credit loss provision to net charge-offs | 148.8498% | 2,057 |
| Earnings coverage of net charge-offs (x) | 3.2436% | 3,247 |
| Efficiency ratio | 57.0122% | 6,294 |
| Assets per employee ($millions) | 4.6034% | 2,681 |
| Cash dividends to net income (ytd only)* | 25.4197% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 5,075 |
| Loan loss allowance to noncurrent loans | 52.4881% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 2.7666% | 2,420 |
| Noncurrent loans to loans | 2.4714% | 2,916 |
| Net loans and leases to total assets | 89.6436% | 45 |
| Net loans and leases to deposits | 113.4668% | 138 |
| Net loans and leases to core deposits | 123.8795% | 345 |
| Total domestic deposits to total assets | 79.0042% | 6,087 |
| Equity capital to assets | 8.0560% | 6,638 |
| Core capital (leverage) ratio | 7.8323% | 6,479 |
| Tier 1 risk-based capital ratio | 10.0032% | 6,969 |
| Total risk-based capital ratio | 13.6476% | 5,420 |
| Memoranda: | ||
| Average total assets | $545,381,330 | 1,229 |
| Average earning assets | $503,517,000 | 1,212 |
| Average equity | $43,792,330 | 1,535 |
| Average total loans | $482,378,000 | 896 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2535% | 2,035 |
| Cost of funding earning assets | 1.5622% | 944 |
| Net interest margin | 3.6913% | 4,152 |
| Noninterest income to average assets | 0.5950% | 3,207 |
| Noninterest expense to average assets | 2.3541% | 6,039 |
| Loan and lease loss provision to assets | 0.8120% | 1,034 |
| Net operating income to assets | 0.5684% | 4,186 |
| Return on assets (ROA) | 0.5684% | 4,260 |
| Pretax return on assets | 0.8371% | 3,755 |
| Return on Equity (ROE) | 7.0906% | 3,332 |
| Retained earnings to average equity (ytd only) | 4.0518% | 3,731 |
| Net charge-offs to loans | 0.6693% | 1,869 |
| Credit loss provision to net charge-offs | 139.0645% | 2,012 |
| Earnings coverage of net charge-offs (x) | 2.8243% | 2,955 |
| Efficiency ratio | 57.9569% | 6,279 |
| Assets per employee ($millions) | 4.5686% | 2,782 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 5,238 |
| Loan loss allowance to noncurrent loans | 40.5900% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 3.2434% | 2,118 |
| Noncurrent loans to loans | 3.1512% | 2,388 |
| Net loans and leases to total assets | 85.8075% | 137 |
| Net loans and leases to deposits | 107.1052% | 230 |
| Net loans and leases to core deposits | 116.8961% | 504 |
| Total domestic deposits to total assets | 80.1151% | 5,915 |
| Equity capital to assets | 7.9608% | 6,535 |
| Core capital (leverage) ratio | 7.7371% | 6,521 |
| Tier 1 risk-based capital ratio | 10.0602% | 6,986 |
| Total risk-based capital ratio | 13.8013% | 5,195 |
| Memoranda: | ||
| Average total assets | $541,866,500 | 1,243 |
| Average earning assets | $500,316,500 | 1,229 |
| Average equity | $43,437,500 | 1,536 |
| Average total loans | $472,712,500 | 925 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6211% | 1,815 |
| Cost of funding earning assets | 1.7749% | 1,276 |
| Net interest margin | 3.8461% | 3,750 |
| Noninterest income to average assets | 0.6182% | 3,353 |
| Noninterest expense to average assets | 2.3528% | 6,213 |
| Loan and lease loss provision to assets | 0.8031% | 2,028 |
| Net operating income to assets | 0.7163% | 3,166 |
| Return on assets (ROA) | 0.7407% | 3,170 |
| Pretax return on assets | 1.0461% | 2,786 |
| Return on Equity (ROE) | 9.5185% | 2,102 |
| Retained earnings to average equity (ytd only) | 7.3104% | 1,201 |
| Net charge-offs to loans | 0.4983% | 3,634 |
| Credit loss provision to net charge-offs | 182.9787% | 1,804 |
| Earnings coverage of net charge-offs (x) | 4.1349% | 3,049 |
| Efficiency ratio | 55.2165% | 6,691 |
| Assets per employee ($millions) | 4.4626% | 2,934 |
| Cash dividends to net income (ytd only)* | 23.1972% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 5,354 |
| Loan loss allowance to noncurrent loans | 36.5347% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 3.2399% | 2,178 |
| Noncurrent loans to loans | 3.3774% | 2,250 |
| Net loans and leases to total assets | 86.4835% | 161 |
| Net loans and leases to deposits | 108.8906% | 253 |
| Net loans and leases to core deposits | 119.3938% | 548 |
| Total domestic deposits to total assets | 79.4223% | 5,990 |
| Equity capital to assets | 8.0731% | 6,411 |
| Core capital (leverage) ratio | 7.6369% | 6,591 |
| Tier 1 risk-based capital ratio | 10.1353% | 6,912 |
| Total risk-based capital ratio | 13.8573% | 4,914 |
| Memoranda: | ||
| Average total assets | $535,410,000 | 1,254 |
| Average earning assets | $494,106,000 | 1,248 |
| Average equity | $41,666,400 | 1,590 |
| Average total loans | $471,586,000 | 953 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5904% | 2,097 |
| Cost of funding earning assets | 1.8018% | 1,413 |
| Net interest margin | 3.7886% | 4,016 |
| Noninterest income to average assets | 0.6079% | 3,386 |
| Noninterest expense to average assets | 2.3753% | 6,100 |
| Loan and lease loss provision to assets | 0.7720% | 1,977 |
| Net operating income to assets | 0.6685% | 3,552 |
| Return on assets (ROA) | 0.7005% | 3,566 |
| Pretax return on assets | 1.0006% | 3,180 |
| Return on Equity (ROE) | 9.0868% | 2,458 |
| Retained earnings to average equity (ytd only) | 7.0840% | 1,800 |
| Net charge-offs to loans | 0.4901% | 3,315 |
| Credit loss provision to net charge-offs | 178.5714% | 2,057 |
| Earnings coverage of net charge-offs (x) | 3.9942% | 3,227 |
| Efficiency ratio | 56.6476% | 6,466 |
| Assets per employee ($millions) | 4.5708% | 2,790 |
| Cash dividends to net income (ytd only)* | 22.0406% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 6,019 |
| Loan loss allowance to noncurrent loans | 54.7657% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 2.0921% | 3,348 |
| Noncurrent loans to loans | 1.9728% | 3,717 |
| Net loans and leases to total assets | 88.2711% | 102 |
| Net loans and leases to deposits | 111.9068% | 221 |
| Net loans and leases to core deposits | 127.0293% | 434 |
| Total domestic deposits to total assets | 78.8791% | 6,050 |
| Equity capital to assets | 7.8624% | 6,892 |
| Core capital (leverage) ratio | 7.4949% | 6,850 |
| Tier 1 risk-based capital ratio | 9.7865% | 7,162 |
| Total risk-based capital ratio | 13.0676% | 5,602 |
| Memoranda: | ||
| Average total assets | $535,385,750 | 1,266 |
| Average earning assets | $493,785,750 | 1,256 |
| Average equity | $41,275,000 | 1,608 |
| Average total loans | $472,254,750 | 961 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5472% | 2,341 |
| Cost of funding earning assets | 1.8367% | 1,503 |
| Net interest margin | 3.7104% | 4,314 |
| Noninterest income to average assets | 0.5973% | 3,352 |
| Noninterest expense to average assets | 2.3638% | 6,177 |
| Loan and lease loss provision to assets | 0.6741% | 2,143 |
| Net operating income to assets | 0.6921% | 3,434 |
| Return on assets (ROA) | 0.6921% | 3,590 |
| Pretax return on assets | 0.9812% | 3,197 |
| Return on Equity (ROE) | 9.0371% | 2,447 |
| Retained earnings to average equity (ytd only) | 7.4722% | 1,647 |
| Net charge-offs to loans | 0.3180% | 3,734 |
| Credit loss provision to net charge-offs | 241.2869% | 1,591 |
| Earnings coverage of net charge-offs (x) | 5.9249% | 2,568 |
| Efficiency ratio | 57.5289% | 6,447 |
| Assets per employee ($millions) | 4.5446% | 2,800 |
| Cash dividends to net income (ytd only)* | 17.3160% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 6,299 |
| Loan loss allowance to noncurrent loans | 61.6490% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.6657% | 3,937 |
| Noncurrent loans to loans | 1.6599% | 4,208 |
| Net loans and leases to total assets | 87.4571% | 152 |
| Net loans and leases to deposits | 110.5803% | 257 |
| Net loans and leases to core deposits | 127.7070% | 470 |
| Total domestic deposits to total assets | 79.0892% | 6,011 |
| Equity capital to assets | 7.7275% | 6,979 |
| Core capital (leverage) ratio | 7.4423% | 6,879 |
| Tier 1 risk-based capital ratio | 9.6233% | 7,210 |
| Total risk-based capital ratio | 12.1081% | 6,380 |
| Memoranda: | ||
| Average total assets | $534,063,670 | 1,277 |
| Average earning assets | $492,502,000 | 1,269 |
| Average equity | $40,898,000 | 1,615 |
| Average total loans | $469,242,330 | 978 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5156% | 2,516 |
| Cost of funding earning assets | 1.8821% | 1,524 |
| Net interest margin | 3.6335% | 4,565 |
| Noninterest income to average assets | 0.5774% | 3,436 |
| Noninterest expense to average assets | 2.3856% | 6,142 |
| Loan and lease loss provision to assets | 0.6784% | 1,877 |
| Net operating income to assets | 0.6022% | 3,887 |
| Return on assets (ROA) | 0.6022% | 4,031 |
| Pretax return on assets | 0.8660% | 3,599 |
| Return on Equity (ROE) | 7.9008% | 2,937 |
| Retained earnings to average equity (ytd only) | 4.7365% | 3,303 |
| Net charge-offs to loans | 0.1944% | 3,747 |
| Credit loss provision to net charge-offs | 398.2301% | 1,029 |
| Earnings coverage of net charge-offs (x) | 9.0664% | 1,901 |
| Efficiency ratio | 59.3786% | 6,279 |
| Assets per employee ($millions) | 4.5022% | 2,952 |
| Cash dividends to net income (ytd only)* | 40.0501% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 6,580 |
| Loan loss allowance to noncurrent loans | 50.2451% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 1.9821% | 3,523 |
| Noncurrent loans to loans | 1.9391% | 3,877 |
| Net loans and leases to total assets | 87.0207% | 164 |
| Net loans and leases to deposits | 109.9907% | 290 |
| Net loans and leases to core deposits | 125.7387% | 592 |
| Total domestic deposits to total assets | 79.1164% | 6,048 |
| Equity capital to assets | 7.7441% | 6,889 |
| Core capital (leverage) ratio | 7.3056% | 7,024 |
| Tier 1 risk-based capital ratio | 9.5808% | 7,263 |
| Total risk-based capital ratio | 11.6812% | 6,698 |
| Memoranda: | ||
| Average total assets | $530,692,500 | 1,314 |
| Average earning assets | $489,665,000 | 1,303 |
| Average equity | $40,451,500 | 1,654 |
| Average total loans | $464,932,000 | 1,013 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9821% | 1,936 |
| Cost of funding earning assets | 2.1886% | 2,084 |
| Net interest margin | 3.7935% | 3,738 |
| Noninterest income to average assets | 0.6034% | 3,607 |
| Noninterest expense to average assets | 2.4358% | 6,350 |
| Loan and lease loss provision to assets | 0.8514% | 2,608 |
| Net operating income to assets | 0.5863% | 3,378 |
| Return on assets (ROA) | 0.5670% | 3,536 |
| Pretax return on assets | 0.8020% | 3,235 |
| Return on Equity (ROE) | 7.2116% | 2,704 |
| Retained earnings to average equity (ytd only) | 0.9670% | 4,355 |
| Net charge-offs to loans | 0.5858% | 3,461 |
| Credit loss provision to net charge-offs | 164.2606% | 2,660 |
| Earnings coverage of net charge-offs (x) | 3.2423% | 3,437 |
| Efficiency ratio | 57.8187% | 6,790 |
| Assets per employee ($millions) | 4.4552% | 2,997 |
| Cash dividends to net income (ytd only)* | 86.5906% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 7,069 |
| Loan loss allowance to noncurrent loans | 50.1241% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 1.5299% | 4,085 |
| Noncurrent loans to loans | 1.6389% | 4,187 |
| Net loans and leases to total assets | 86.6266% | 240 |
| Net loans and leases to deposits | 110.0614% | 381 |
| Net loans and leases to core deposits | 144.0701% | 672 |
| Total domestic deposits to total assets | 78.7076% | 6,062 |
| Equity capital to assets | 7.5025% | 7,033 |
| Core capital (leverage) ratio | 7.3158% | 6,968 |
| Tier 1 risk-based capital ratio | 9.1036% | 7,425 |
| Total risk-based capital ratio | 10.6993% | 7,239 |
| Memoranda: | ||
| Average total assets | $494,500,000 | 1,398 |
| Average earning assets | $457,913,000 | 1,374 |
| Average equity | $38,881,800 | 1,722 |
| Average total loans | $437,508,000 | 1,096 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0544% | 1,819 |
| Cost of funding earning assets | 2.2662% | 2,126 |
| Net interest margin | 3.7881% | 3,708 |
| Noninterest income to average assets | 0.6110% | 3,615 |
| Noninterest expense to average assets | 2.4774% | 6,154 |
| Loan and lease loss provision to assets | 0.9109% | 2,109 |
| Net operating income to assets | 0.5213% | 3,895 |
| Return on assets (ROA) | 0.4951% | 4,101 |
| Pretax return on assets | 0.6944% | 3,874 |
| Return on Equity (ROE) | 6.2181% | 3,433 |
| Retained earnings to average equity (ytd only) | -0.2039% | 5,264 |
| Net charge-offs to loans | 0.2477% | 4,502 |
| Credit loss provision to net charge-offs | 414.2678% | 962 |
| Earnings coverage of net charge-offs (x) | 7.4681% | 2,399 |
| Efficiency ratio | 58.7548% | 6,601 |
| Assets per employee ($millions) | 4.1895% | 3,395 |
| Cash dividends to net income (ytd only)* | 103.2794% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 6,043 |
| Loan loss allowance to noncurrent loans | 58.6108% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.7136% | 3,805 |
| Noncurrent loans to loans | 1.7805% | 3,939 |
| Net loans and leases to total assets | 89.3923% | 139 |
| Net loans and leases to deposits | 114.5470% | 308 |
| Net loans and leases to core deposits | 143.1603% | 792 |
| Total domestic deposits to total assets | 78.0398% | 6,080 |
| Equity capital to assets | 7.8511% | 6,986 |
| Core capital (leverage) ratio | 7.4376% | 7,046 |
| Tier 1 risk-based capital ratio | 9.5735% | 7,324 |
| Total risk-based capital ratio | 10.7810% | 7,315 |
| Memoranda: | ||
| Average total assets | $484,469,500 | 1,439 |
| Average earning assets | $448,721,750 | 1,428 |
| Average equity | $38,574,750 | 1,759 |
| Average total loans | $430,144,750 | 1,133 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1458% | 1,633 |
| Cost of funding earning assets | 2.3374% | 2,213 |
| Net interest margin | 3.8084% | 3,524 |
| Noninterest income to average assets | 0.6011% | 3,683 |
| Noninterest expense to average assets | 2.4161% | 6,413 |
| Loan and lease loss provision to assets | 0.2168% | 4,875 |
| Net operating income to assets | 1.0301% | 2,006 |
| Return on assets (ROA) | 1.0301% | 2,084 |
| Pretax return on assets | 1.4953% | 1,455 |
| Return on Equity (ROE) | 12.8746% | 1,205 |
| Retained earnings to average equity (ytd only) | 5.9293% | 2,057 |
| Net charge-offs to loans | 0.0723% | 5,494 |
| Credit loss provision to net charge-offs | 339.8693% | 1,365 |
| Earnings coverage of net charge-offs (x) | 26.8431% | 1,073 |
| Efficiency ratio | 57.1342% | 6,973 |
| Assets per employee ($millions) | 4.0520% | 3,589 |
| Cash dividends to net income (ytd only)* | 53.9458% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5835% | 7,665 |
| Loan loss allowance to noncurrent loans | 39.4566% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 1.3212% | 4,306 |
| Noncurrent loans to loans | 1.4788% | 4,275 |
| Net loans and leases to total assets | 88.8266% | 198 |
| Net loans and leases to deposits | 115.6860% | 339 |
| Net loans and leases to core deposits | 145.2275% | 786 |
| Total domestic deposits to total assets | 76.7824% | 6,382 |
| Equity capital to assets | 8.1708% | 6,534 |
| Core capital (leverage) ratio | 7.5671% | 6,941 |
| Tier 1 risk-based capital ratio | 9.9965% | 6,934 |
| Total risk-based capital ratio | 10.6667% | 7,426 |
| Memoranda: | ||
| Average total assets | $479,775,000 | 1,478 |
| Average earning assets | $444,338,670 | 1,454 |
| Average equity | $38,385,670 | 1,778 |
| Average total loans | $423,403,670 | 1,178 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0611% | 2,101 |
| Cost of funding earning assets | 2.4354% | 2,157 |
| Net interest margin | 3.6257% | 4,212 |
| Noninterest income to average assets | 0.5580% | 3,859 |
| Noninterest expense to average assets | 2.3342% | 6,422 |
| Loan and lease loss provision to assets | 0.1770% | 4,691 |
| Net operating income to assets | 0.9576% | 2,488 |
| Return on assets (ROA) | 0.9576% | 2,617 |
| Pretax return on assets | 1.4027% | 1,959 |
| Return on Equity (ROE) | 12.1018% | 1,630 |
| Retained earnings to average equity (ytd only) | 6.7753% | 2,300 |
| Net charge-offs to loans | 0.0173% | 5,334 |
| Credit loss provision to net charge-offs | 1,166.6667% | 544 |
| Earnings coverage of net charge-offs (x) | 104.1111% | 420 |
| Efficiency ratio | 58.1521% | 6,678 |
| Assets per employee ($millions) | 4.1774% | 3,298 |
| Cash dividends to net income (ytd only)* | 44.0141% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5539% | 7,746 |
| Loan loss allowance to noncurrent loans | 47.9074% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 1.0256% | 4,649 |
| Noncurrent loans to loans | 1.1562% | 4,674 |
| Net loans and leases to total assets | 88.2196% | 248 |
| Net loans and leases to deposits | 117.3310% | 349 |
| Net loans and leases to core deposits | 148.6815% | 750 |
| Total domestic deposits to total assets | 75.1887% | 6,666 |
| Equity capital to assets | 8.1296% | 6,628 |
| Core capital (leverage) ratio | 7.7430% | 6,830 |
| Tier 1 risk-based capital ratio | 9.9187% | 7,015 |
| Total risk-based capital ratio | 10.5574% | 7,561 |
| Memoranda: | ||
| Average total assets | $474,514,000 | 1,508 |
| Average earning assets | $439,192,000 | 1,478 |
| Average equity | $37,548,000 | 1,816 |
| Average total loans | $416,070,500 | 1,218 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4932% | 2,988 |
| Cost of funding earning assets | 2.6908% | 3,201 |
| Net interest margin | 3.8024% | 4,005 |
| Noninterest income to average assets | 0.7426% | 2,828 |
| Noninterest expense to average assets | 2.6147% | 5,592 |
| Loan and lease loss provision to assets | 0.1941% | 4,936 |
| Net operating income to assets | 0.9786% | 2,644 |
| Return on assets (ROA) | 0.9786% | 2,524 |
| Pretax return on assets | 1.4263% | 1,883 |
| Return on Equity (ROE) | 12.2398% | 1,541 |
| Retained earnings to average equity (ytd only) | 4.6171% | 2,253 |
| Net charge-offs to loans | 0.0911% | 5,433 |
| Credit loss provision to net charge-offs | 247.7204% | 1,883 |
| Earnings coverage of net charge-offs (x) | 20.6809% | 1,563 |
| Efficiency ratio | 60.1867% | 6,301 |
| Assets per employee ($millions) | 4.0039% | 3,506 |
| Cash dividends to net income (ytd only)* | 62.2779% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5389% | 7,780 |
| Loan loss allowance to noncurrent loans | 47.2125% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 0.9887% | 4,362 |
| Noncurrent loans to loans | 1.1415% | 4,262 |
| Net loans and leases to total assets | 86.1447% | 589 |
| Net loans and leases to deposits | 116.7834% | 488 |
| Net loans and leases to core deposits | 143.5362% | 1,113 |
| Total domestic deposits to total assets | 73.7645% | 6,692 |
| Equity capital to assets | 7.6869% | 7,218 |
| Core capital (leverage) ratio | 7.5264% | 7,178 |
| Tier 1 risk-based capital ratio | 9.4639% | 7,354 |
| Total risk-based capital ratio | 10.0723% | 7,943 |
| Memoranda: | ||
| Average total assets | $419,893,000 | 1,620 |
| Average earning assets | $385,678,800 | 1,608 |
| Average equity | $33,570,800 | 2,018 |
| Average total loans | $361,068,000 | 1,342 |