Home > The Farmers & Merchants Bank > Performance and Condition Ratios
The 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 | 5.4943% | 1,167 |
| Cost of funding earning assets | 2.4618% | 401 |
| Net interest margin | 3.0325% | 3,217 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.6460% | 4,195 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.1180% | 1,869 |
| Return on assets (ROA) | 1.1180% | 1,840 |
| Pretax return on assets | 1.3266% | 1,801 |
| Return on Equity (ROE) | 14.8800% | 1,311 |
| Retained earnings to average equity (ytd only) | 13.3230% | 468 |
| Net charge-offs to loans | 0.0071% | 2,413 |
| Credit loss provision to net charge-offs | 3,226.1905% | 156 |
| Earnings coverage of net charge-offs (x) | 269.2619% | 469 |
| Efficiency ratio | 52.1109% | 3,819 |
| Assets per employee ($millions) | 13.1508% | 317 |
| Cash dividends to net income (ytd only)* | 10.4690% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 2,701 |
| Loan loss allowance to noncurrent loans | 872.3529% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 2,851 |
| Noncurrent loans to loans | 0.1289% | 2,871 |
| Net loans and leases to total assets | 77.5000% | 916 |
| Net loans and leases to deposits | 94.4346% | 907 |
| Net loans and leases to core deposits | 236.9792% | 64 |
| Total domestic deposits to total assets | 82.0600% | 3,118 |
| Equity capital to assets | 7.5939% | 3,660 |
| Core capital (leverage) ratio | 8.9106% | 3,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2644% | 2,509 |
| Memoranda: | ||
| Average total assets | $747,614,600 | 1,243 |
| Average earning assets | $713,414,000 | 1,210 |
| Average equity | $56,166,000 | 1,466 |
| Average total loans | $592,624,000 | 1,099 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3783% | 1,163 |
| Cost of funding earning assets | 2.3033% | 405 |
| Net interest margin | 3.0750% | 3,188 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.6111% | 4,232 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.2048% | 1,784 |
| Return on assets (ROA) | 1.2048% | 1,776 |
| Pretax return on assets | 1.4556% | 1,661 |
| Return on Equity (ROE) | 16.0900% | 1,240 |
| Retained earnings to average equity (ytd only) | 15.1649% | 535 |
| Net charge-offs to loans | 0.0074% | 2,148 |
| Credit loss provision to net charge-offs | 2,221.8750% | 221 |
| Earnings coverage of net charge-offs (x) | 269.6250% | 484 |
| Efficiency ratio | 50.3510% | 3,887 |
| Assets per employee ($millions) | 13.5798% | 267 |
| Cash dividends to net income (ytd only)* | 5.7313% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 2,835 |
| Loan loss allowance to noncurrent loans | 787.5726% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 2,831 |
| Noncurrent loans to loans | 0.1405% | 2,848 |
| Net loans and leases to total assets | 78.3200% | 845 |
| Net loans and leases to deposits | 96.2008% | 742 |
| Net loans and leases to core deposits | 214.3673% | 34 |
| Total domestic deposits to total assets | 81.4100% | 3,323 |
| Equity capital to assets | 7.1912% | 3,516 |
| Core capital (leverage) ratio | 9.2779% | 3,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7194% | 2,377 |
| Memoranda: | ||
| Average total assets | $724,105,750 | 1,272 |
| Average earning assets | $689,592,750 | 1,245 |
| Average equity | $54,229,000 | 1,499 |
| Average total loans | $575,863,250 | 1,113 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2491% | 1,150 |
| Cost of funding earning assets | 2.0986% | 411 |
| Net interest margin | 3.1505% | 3,104 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 1.5161% | 4,318 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 1.2323% | 1,742 |
| Return on assets (ROA) | 1.2323% | 1,735 |
| Pretax return on assets | 1.5597% | 1,478 |
| Return on Equity (ROE) | 16.2200% | 1,226 |
| Retained earnings to average equity (ytd only) | 16.2192% | 446 |
| Net charge-offs to loans | -0.0021% | 3,542 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.2208% | 4,154 |
| Assets per employee ($millions) | 11.9023% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 2,692 |
| Loan loss allowance to noncurrent loans | 416.3004% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 2,101 |
| Noncurrent loans to loans | 0.2773% | 2,158 |
| Net loans and leases to total assets | 77.8700% | 846 |
| Net loans and leases to deposits | 98.5825% | 580 |
| Net loans and leases to core deposits | 202.0796% | 42 |
| Total domestic deposits to total assets | 78.9900% | 3,719 |
| Equity capital to assets | 7.8572% | 3,308 |
| Core capital (leverage) ratio | 9.4686% | 3,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7158% | 2,398 |
| Memoranda: | ||
| Average total assets | $707,458,667 | 1,287 |
| Average earning assets | $672,840,000 | 1,261 |
| Average equity | $53,751,000 | 1,512 |
| Average total loans | $563,484,667 | 1,120 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0836% | 1,102 |
| Cost of funding earning assets | 1.9690% | 320 |
| Net interest margin | 3.1146% | 3,317 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 1.3441% | 4,513 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5656% | 1,045 |
| Return on assets (ROA) | 1.5656% | 1,041 |
| Pretax return on assets | 2.0150% | 758 |
| Return on Equity (ROE) | 21.0000% | 662 |
| Retained earnings to average equity (ytd only) | 20.9975% | 321 |
| Net charge-offs to loans | -0.0051% | 3,642 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 40.0139% | 4,449 |
| Assets per employee ($millions) | 11.6768% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 3,081 |
| Loan loss allowance to noncurrent loans | 335.4750% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 1,820 |
| Noncurrent loans to loans | 0.3269% | 1,977 |
| Net loans and leases to total assets | 79.9700% | 546 |
| Net loans and leases to deposits | 97.0904% | 590 |
| Net loans and leases to core deposits | 175.3457% | 58 |
| Total domestic deposits to total assets | 82.3700% | 3,428 |
| Equity capital to assets | 8.3049% | 3,036 |
| Core capital (leverage) ratio | 9.9480% | 2,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2299% | 2,291 |
| Memoranda: | ||
| Average total assets | $686,266,000 | 1,334 |
| Average earning assets | $650,483,000 | 1,312 |
| Average equity | $51,168,000 | 1,583 |
| Average total loans | $549,858,000 | 1,147 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4386% | 819 |
| Cost of funding earning assets | 1.0157% | 148 |
| Net interest margin | 3.4229% | 2,178 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 1.8573% | 3,914 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.5133% | 854 |
| Return on assets (ROA) | 1.5133% | 826 |
| Pretax return on assets | 1.9858% | 489 |
| Return on Equity (ROE) | 20.9900% | 395 |
| Retained earnings to average equity (ytd only) | 20.9877% | 72 |
| Net charge-offs to loans | 0.0279% | 1,505 |
| Credit loss provision to net charge-offs | 519.3798% | 661 |
| Earnings coverage of net charge-offs (x) | 97.4264% | 984 |
| Efficiency ratio | 46.9615% | 4,301 |
| Assets per employee ($millions) | 12.2072% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 3,613 |
| Loan loss allowance to noncurrent loans | 391.0129% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 2,032 |
| Noncurrent loans to loans | 0.2420% | 2,311 |
| Net loans and leases to total assets | 78.6300% | 740 |
| Net loans and leases to deposits | 99.0725% | 476 |
| Net loans and leases to core deposits | 174.3014% | 45 |
| Total domestic deposits to total assets | 79.3700% | 3,958 |
| Equity capital to assets | 6.6005% | 3,861 |
| Core capital (leverage) ratio | 8.4311% | 4,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1455% | 2,948 |
| Memoranda: | ||
| Average total assets | $599,154,400 | 1,485 |
| Average earning assets | $567,998,200 | 1,458 |
| Average equity | $43,201,400 | 1,813 |
| Average total loans | $462,771,400 | 1,245 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 809 |
| Cost of funding earning assets | 0.7693% | 176 |
| Net interest margin | 3.4779% | 1,729 |
| Noninterest income to average assets | 0.8200% | 992 |
| Noninterest expense to average assets | 1.6211% | 4,283 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.8120% | 418 |
| Return on assets (ROA) | 1.8120% | 410 |
| Pretax return on assets | 2.3499% | 256 |
| Return on Equity (ROE) | 24.5200% | 201 |
| Retained earnings to average equity (ytd only) | 24.5179% | 49 |
| Net charge-offs to loans | 0.0400% | 1,093 |
| Credit loss provision to net charge-offs | 503.7594% | 604 |
| Earnings coverage of net charge-offs (x) | 81.6391% | 1,036 |
| Efficiency ratio | 39.2933% | 4,591 |
| Assets per employee ($millions) | 11.8747% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 3,579 |
| Loan loss allowance to noncurrent loans | 405.5336% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 2,095 |
| Noncurrent loans to loans | 0.2415% | 2,417 |
| Net loans and leases to total assets | 79.4200% | 580 |
| Net loans and leases to deposits | 106.7169% | 178 |
| Net loans and leases to core deposits | 178.9113% | 35 |
| Total domestic deposits to total assets | 74.4200% | 4,443 |
| Equity capital to assets | 6.3603% | 3,816 |
| Core capital (leverage) ratio | 9.1083% | 3,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6486% | 2,911 |
| Memoranda: | ||
| Average total assets | $578,042,750 | 1,551 |
| Average earning assets | $549,781,500 | 1,510 |
| Average equity | $42,721,500 | 1,858 |
| Average total loans | $442,802,250 | 1,276 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0917% | 779 |
| Cost of funding earning assets | 0.6225% | 237 |
| Net interest margin | 3.4692% | 1,398 |
| Noninterest income to average assets | 0.4036% | 2,739 |
| Noninterest expense to average assets | 1.6227% | 4,275 |
| Loan and lease loss provision to assets | 0.0778% | 1,246 |
| Net operating income to assets | 1.5623% | 605 |
| Return on assets (ROA) | 1.5623% | 589 |
| Pretax return on assets | 1.9985% | 382 |
| Return on Equity (ROE) | 20.0393% | 303 |
| Retained earnings to average equity (ytd only) | 20.0393% | 74 |
| Net charge-offs to loans | 0.0519% | 878 |
| Credit loss provision to net charge-offs | 199.0741% | 973 |
| Earnings coverage of net charge-offs (x) | 53.1574% | 1,135 |
| Efficiency ratio | 43.8698% | 4,524 |
| Assets per employee ($millions) | 10.8955% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 3,519 |
| Loan loss allowance to noncurrent loans | 253.5059% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 1,257 |
| Noncurrent loans to loans | 0.4022% | 1,923 |
| Net loans and leases to total assets | 76.1352% | 718 |
| Net loans and leases to deposits | 98.2528% | 333 |
| Net loans and leases to core deposits | 146.1808% | 63 |
| Total domestic deposits to total assets | 77.4891% | 4,381 |
| Equity capital to assets | 6.3911% | 4,062 |
| Core capital (leverage) ratio | 9.3118% | 3,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7177% | 2,598 |
| Memoranda: | ||
| Average total assets | $553,020,667 | 1,618 |
| Average earning assets | $525,305,667 | 1,598 |
| Average equity | $43,115,333 | 1,888 |
| Average total loans | $415,802,667 | 1,337 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0378% | 718 |
| Cost of funding earning assets | 0.5814% | 293 |
| Net interest margin | 3.4564% | 1,168 |
| Noninterest income to average assets | 0.5631% | 1,854 |
| Noninterest expense to average assets | 1.5648% | 4,350 |
| Loan and lease loss provision to assets | 0.1623% | 481 |
| Net operating income to assets | 1.6531% | 453 |
| Return on assets (ROA) | 1.6531% | 455 |
| Pretax return on assets | 2.1121% | 292 |
| Return on Equity (ROE) | 19.2428% | 261 |
| Retained earnings to average equity (ytd only) | 19.2428% | 113 |
| Net charge-offs to loans | 0.1343% | 419 |
| Credit loss provision to net charge-offs | 162.8788% | 837 |
| Earnings coverage of net charge-offs (x) | 22.8258% | 1,236 |
| Efficiency ratio | 40.7589% | 4,632 |
| Assets per employee ($millions) | 9.8571% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 3,107 |
| Loan loss allowance to noncurrent loans | 274.0914% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.4691% | 1,295 |
| Noncurrent loans to loans | 0.4192% | 1,985 |
| Net loans and leases to total assets | 74.2002% | 646 |
| Net loans and leases to deposits | 88.7588% | 574 |
| Net loans and leases to core deposits | 133.6284% | 78 |
| Total domestic deposits to total assets | 83.5975% | 3,847 |
| Equity capital to assets | 7.7502% | 3,766 |
| Core capital (leverage) ratio | 9.4352% | 2,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7372% | 2,328 |
| Memoranda: | ||
| Average total assets | $529,905,000 | 1,684 |
| Average earning assets | $502,252,000 | 1,664 |
| Average equity | $45,523,500 | 1,866 |
| Average total loans | $393,233,000 | 1,386 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2857% | 865 |
| Cost of funding earning assets | 0.6080% | 524 |
| Net interest margin | 3.6778% | 1,271 |
| Noninterest income to average assets | 0.6331% | 2,012 |
| Noninterest expense to average assets | 2.4718% | 2,270 |
| Loan and lease loss provision to assets | 0.2451% | 388 |
| Net operating income to assets | 1.1070% | 2,272 |
| Return on assets (ROA) | 1.1070% | 2,332 |
| Pretax return on assets | 1.3990% | 2,056 |
| Return on Equity (ROE) | 11.9396% | 1,840 |
| Retained earnings to average equity (ytd only) | 11.9396% | 538 |
| Net charge-offs to loans | 0.0706% | 1,086 |
| Credit loss provision to net charge-offs | 451.4403% | 853 |
| Earnings coverage of net charge-offs (x) | 30.2840% | 1,602 |
| Efficiency ratio | 60.0554% | 3,137 |
| Assets per employee ($millions) | 9.2441% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 2,835 |
| Loan loss allowance to noncurrent loans | 347.9545% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4167% | 1,571 |
| Noncurrent loans to loans | 0.3478% | 2,334 |
| Net loans and leases to total assets | 72.4261% | 813 |
| Net loans and leases to deposits | 101.4792% | 171 |
| Net loans and leases to core deposits | 134.1225% | 84 |
| Total domestic deposits to total assets | 71.3704% | 4,657 |
| Equity capital to assets | 9.4713% | 3,170 |
| Core capital (leverage) ratio | 10.3074% | 2,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1985% | 2,161 |
| Memoranda: | ||
| Average total assets | $447,617,800 | 1,846 |
| Average earning assets | $423,870,800 | 1,827 |
| Average equity | $41,500,400 | 2,029 |
| Average total loans | $344,393,600 | 1,537 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3903% | 826 |
| Cost of funding earning assets | 0.6535% | 492 |
| Net interest margin | 3.7368% | 1,257 |
| Noninterest income to average assets | 0.5667% | 2,351 |
| Noninterest expense to average assets | 1.9651% | 3,779 |
| Loan and lease loss provision to assets | 0.2316% | 418 |
| Net operating income to assets | 1.4842% | 1,309 |
| Return on assets (ROA) | 1.4842% | 1,360 |
| Pretax return on assets | 1.9046% | 941 |
| Return on Equity (ROE) | 16.1135% | 928 |
| Retained earnings to average equity (ytd only) | 16.1135% | 290 |
| Net charge-offs to loans | 0.0652% | 993 |
| Credit loss provision to net charge-offs | 455.4878% | 803 |
| Earnings coverage of net charge-offs (x) | 42.0183% | 1,340 |
| Efficiency ratio | 47.9138% | 4,368 |
| Assets per employee ($millions) | 8.1940% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 3,067 |
| Loan loss allowance to noncurrent loans | 178.5950% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.7098% | 1,042 |
| Noncurrent loans to loans | 0.6621% | 1,656 |
| Net loans and leases to total assets | 78.7159% | 358 |
| Net loans and leases to deposits | 100.5330% | 215 |
| Net loans and leases to core deposits | 133.6854% | 104 |
| Total domestic deposits to total assets | 78.2985% | 4,394 |
| Equity capital to assets | 9.1084% | 3,734 |
| Core capital (leverage) ratio | 9.1950% | 3,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4191% | 2,573 |
| Memoranda: | ||
| Average total assets | $430,105,500 | 1,915 |
| Average earning assets | $406,829,500 | 1,897 |
| Average equity | $39,618,000 | 2,123 |
| Average total loans | $335,612,250 | 1,600 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4915% | 734 |
| Cost of funding earning assets | 0.6965% | 476 |
| Net interest margin | 3.7950% | 1,146 |
| Noninterest income to average assets | 0.5850% | 2,278 |
| Noninterest expense to average assets | 1.9790% | 3,764 |
| Loan and lease loss provision to assets | 0.2625% | 368 |
| Net operating income to assets | 1.5153% | 1,253 |
| Return on assets (ROA) | 1.5153% | 1,314 |
| Pretax return on assets | 1.9324% | 947 |
| Return on Equity (ROE) | 16.3837% | 883 |
| Retained earnings to average equity (ytd only) | 16.3837% | 314 |
| Net charge-offs to loans | 0.0977% | 752 |
| Credit loss provision to net charge-offs | 347.1698% | 824 |
| Earnings coverage of net charge-offs (x) | 29.0252% | 1,326 |
| Efficiency ratio | 47.4134% | 4,431 |
| Assets per employee ($millions) | 8.4360% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 2,969 |
| Loan loss allowance to noncurrent loans | 100.3156% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.9894% | 764 |
| Noncurrent loans to loans | 1.1904% | 1,008 |
| Net loans and leases to total assets | 77.9338% | 449 |
| Net loans and leases to deposits | 99.0408% | 284 |
| Net loans and leases to core deposits | 126.8937% | 152 |
| Total domestic deposits to total assets | 78.6885% | 4,370 |
| Equity capital to assets | 9.2666% | 3,544 |
| Core capital (leverage) ratio | 9.1271% | 3,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6457% | 2,494 |
| Memoranda: | ||
| Average total assets | $420,519,667 | 1,938 |
| Average earning assets | $397,681,333 | 1,918 |
| Average equity | $38,892,333 | 2,141 |
| Average total loans | $325,643,000 | 1,639 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 740 |
| Cost of funding earning assets | 0.7277% | 496 |
| Net interest margin | 3.8064% | 1,125 |
| Noninterest income to average assets | 0.6514% | 2,023 |
| Noninterest expense to average assets | 1.8131% | 4,191 |
| Loan and lease loss provision to assets | 0.2693% | 369 |
| Net operating income to assets | 1.6955% | 947 |
| Return on assets (ROA) | 1.6955% | 996 |
| Pretax return on assets | 2.1641% | 730 |
| Return on Equity (ROE) | 18.3514% | 683 |
| Retained earnings to average equity (ytd only) | 18.3514% | 344 |
| Net charge-offs to loans | 0.1090% | 641 |
| Credit loss provision to net charge-offs | 322.0930% | 731 |
| Earnings coverage of net charge-offs (x) | 29.1047% | 1,107 |
| Efficiency ratio | 42.6969% | 4,646 |
| Assets per employee ($millions) | 8.3861% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 3,022 |
| Loan loss allowance to noncurrent loans | 114.4438% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.8382% | 1,059 |
| Noncurrent loans to loans | 1.0326% | 1,298 |
| Net loans and leases to total assets | 75.3591% | 691 |
| Net loans and leases to deposits | 89.9528% | 700 |
| Net loans and leases to core deposits | 109.4101% | 427 |
| Total domestic deposits to total assets | 83.7762% | 3,501 |
| Equity capital to assets | 8.8939% | 3,791 |
| Core capital (leverage) ratio | 9.3372% | 3,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0285% | 2,654 |
| Memoranda: | ||
| Average total assets | $411,444,500 | 1,954 |
| Average earning assets | $388,606,500 | 1,942 |
| Average equity | $38,013,500 | 2,164 |
| Average total loans | $315,462,500 | 1,681 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8195% | 113 |
| Cost of funding earning assets | 1.1416% | 347 |
| Net interest margin | 4.6779% | 224 |
| Noninterest income to average assets | 0.8001% | 1,528 |
| Noninterest expense to average assets | 2.9189% | 1,635 |
| Loan and lease loss provision to assets | 1.1170% | 70 |
| Net operating income to assets | 0.9588% | 2,441 |
| Return on assets (ROA) | 1.1528% | 1,836 |
| Pretax return on assets | 1.4489% | 1,515 |
| Return on Equity (ROE) | 11.4998% | 1,470 |
| Retained earnings to average equity (ytd only) | 9.0127% | 768 |
| Net charge-offs to loans | 1.1843% | 104 |
| Credit loss provision to net charge-offs | 118.6415% | 2,645 |
| Earnings coverage of net charge-offs (x) | 2.4677% | 3,163 |
| Efficiency ratio | 55.6804% | 4,022 |
| Assets per employee ($millions) | 7.2984% | 1,399 |
| Cash dividends to net income (ytd only)* | 21.6276% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 2,662 |
| Loan loss allowance to noncurrent loans | 107.8454% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.9837% | 977 |
| Noncurrent loans to loans | 1.1620% | 1,223 |
| Net loans and leases to total assets | 76.1694% | 769 |
| Net loans and leases to deposits | 91.8467% | 791 |
| Net loans and leases to core deposits | 109.6023% | 521 |
| Total domestic deposits to total assets | 82.9311% | 3,432 |
| Equity capital to assets | 9.6281% | 3,476 |
| Core capital (leverage) ratio | 9.3699% | 3,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6014% | 2,400 |
| Memoranda: | ||
| Average total assets | $354,957,200 | 2,026 |
| Average earning assets | $337,076,000 | 1,994 |
| Average equity | $35,583,200 | 2,204 |
| Average total loans | $282,193,600 | 1,763 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6178% | 178 |
| Cost of funding earning assets | 1.2227% | 341 |
| Net interest margin | 4.3951% | 476 |
| Noninterest income to average assets | 0.6125% | 2,124 |
| Noninterest expense to average assets | 2.3835% | 3,187 |
| Loan and lease loss provision to assets | 0.6398% | 376 |
| Net operating income to assets | 1.3890% | 1,125 |
| Return on assets (ROA) | 1.6503% | 720 |
| Pretax return on assets | 2.1053% | 411 |
| Return on Equity (ROE) | 16.2832% | 515 |
| Retained earnings to average equity (ytd only) | 12.9280% | 336 |
| Net charge-offs to loans | 0.3183% | 497 |
| Credit loss provision to net charge-offs | 250.7530% | 1,920 |
| Earnings coverage of net charge-offs (x) | 9.4623% | 2,425 |
| Efficiency ratio | 49.6796% | 4,515 |
| Assets per employee ($millions) | 6.9910% | 1,505 |
| Cash dividends to net income (ytd only)* | 20.6054% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 1,856 |
| Loan loss allowance to noncurrent loans | 75.5136% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.4818% | 581 |
| Noncurrent loans to loans | 1.8196% | 727 |
| Net loans and leases to total assets | 75.4828% | 1,164 |
| Net loans and leases to deposits | 90.5842% | 1,214 |
| Net loans and leases to core deposits | 108.9281% | 736 |
| Total domestic deposits to total assets | 83.3288% | 3,048 |
| Equity capital to assets | 9.5301% | 3,662 |
| Core capital (leverage) ratio | 10.1456% | 2,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7469% | 2,306 |
| Memoranda: | ||
| Average total assets | $346,993,000 | 2,040 |
| Average earning assets | $330,420,250 | 2,006 |
| Average equity | $35,168,250 | 2,214 |
| Average total loans | $278,148,750 | 1,771 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6544% | 252 |
| Cost of funding earning assets | 1.3137% | 344 |
| Net interest margin | 4.3408% | 688 |
| Noninterest income to average assets | 0.3221% | 3,533 |
| Noninterest expense to average assets | 2.3609% | 3,370 |
| Loan and lease loss provision to assets | 0.6924% | 404 |
| Net operating income to assets | 1.1127% | 1,923 |
| Return on assets (ROA) | 1.1127% | 2,043 |
| Pretax return on assets | 1.4150% | 1,692 |
| Return on Equity (ROE) | 10.7272% | 1,728 |
| Retained earnings to average equity (ytd only) | 6.0544% | 2,056 |
| Net charge-offs to loans | 0.5011% | 318 |
| Credit loss provision to net charge-offs | 169.3667% | 2,041 |
| Earnings coverage of net charge-offs (x) | 5.1546% | 2,539 |
| Efficiency ratio | 52.8365% | 4,286 |
| Assets per employee ($millions) | 6.0560% | 2,136 |
| Cash dividends to net income (ytd only)* | 43.5606% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 2,044 |
| Loan loss allowance to noncurrent loans | 62.9409% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.7486% | 473 |
| Noncurrent loans to loans | 2.0518% | 646 |
| Net loans and leases to total assets | 79.4266% | 667 |
| Net loans and leases to deposits | 97.8375% | 664 |
| Net loans and leases to core deposits | 124.4468% | 341 |
| Total domestic deposits to total assets | 81.1821% | 3,564 |
| Equity capital to assets | 10.2508% | 2,967 |
| Core capital (leverage) ratio | 10.0066% | 2,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $332,158,667 | 2,083 |
| Average earning assets | $317,272,333 | 2,042 |
| Average equity | $34,454,333 | 2,238 |
| Average total loans | $270,988,667 | 1,794 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4067% | 457 |
| Cost of funding earning assets | 1.3974% | 403 |
| Net interest margin | 4.0092% | 1,369 |
| Noninterest income to average assets | 0.3329% | 3,535 |
| Noninterest expense to average assets | 2.3523% | 3,642 |
| Loan and lease loss provision to assets | 0.4913% | 600 |
| Net operating income to assets | 1.0257% | 2,094 |
| Return on assets (ROA) | 1.0257% | 2,191 |
| Pretax return on assets | 1.3094% | 1,847 |
| Return on Equity (ROE) | 9.8267% | 1,799 |
| Retained earnings to average equity (ytd only) | 1.3534% | 3,647 |
| Net charge-offs to loans | 0.5531% | 269 |
| Credit loss provision to net charge-offs | 108.1081% | 1,770 |
| Earnings coverage of net charge-offs (x) | 3.9622% | 2,171 |
| Efficiency ratio | 56.6400% | 4,146 |
| Assets per employee ($millions) | 6.3714% | 1,419 |
| Cash dividends to net income (ytd only)* | 86.2275% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 2,908 |
| Loan loss allowance to noncurrent loans | 85.4891% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.1162% | 1,157 |
| Noncurrent loans to loans | 1.3517% | 1,192 |
| Net loans and leases to total assets | 81.2211% | 538 |
| Net loans and leases to deposits | 99.2894% | 600 |
| Net loans and leases to core deposits | 126.6691% | 322 |
| Total domestic deposits to total assets | 81.8025% | 3,469 |
| Equity capital to assets | 10.3129% | 3,511 |
| Core capital (leverage) ratio | 10.5812% | 2,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,641,500 | 2,063 |
| Average earning assets | $310,284,000 | 2,024 |
| Average equity | $33,989,000 | 2,244 |
| Average total loans | $267,602,000 | 1,770 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4188% | 649 |
| Cost of funding earning assets | 1.5045% | 391 |
| Net interest margin | 3.9143% | 2,122 |
| Noninterest income to average assets | 0.3589% | 3,554 |
| Noninterest expense to average assets | 2.6564% | 3,007 |
| Loan and lease loss provision to assets | 0.3154% | 509 |
| Net operating income to assets | 0.8751% | 3,300 |
| Return on assets (ROA) | 0.8751% | 3,387 |
| Pretax return on assets | 1.1109% | 3,131 |
| Return on Equity (ROE) | 8.3633% | 3,012 |
| Retained earnings to average equity (ytd only) | 5.3309% | 2,261 |
| Net charge-offs to loans | 0.2890% | 723 |
| Credit loss provision to net charge-offs | 131.4815% | 1,937 |
| Earnings coverage of net charge-offs (x) | 5.9458% | 3,027 |
| Efficiency ratio | 65.0657% | 2,920 |
| Assets per employee ($millions) | 6.1533% | 1,515 |
| Cash dividends to net income (ytd only)* | 36.2582% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 2,512 |
| Loan loss allowance to noncurrent loans | 69.2444% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.4064% | 745 |
| Noncurrent loans to loans | 1.7113% | 804 |
| Net loans and leases to total assets | 81.2094% | 649 |
| Net loans and leases to deposits | 101.8852% | 477 |
| Net loans and leases to core deposits | 133.8379% | 230 |
| Total domestic deposits to total assets | 79.7068% | 4,042 |
| Equity capital to assets | 10.5666% | 3,379 |
| Core capital (leverage) ratio | 10.6149% | 2,844 |
| Tier 1 risk-based capital ratio | 13.2563% | 3,646 |
| Total risk-based capital ratio | 14.4967% | 3,544 |
| Memoranda: | ||
| Average total assets | $315,161,400 | 2,071 |
| Average earning assets | $299,827,200 | 2,027 |
| Average equity | $32,977,600 | 2,239 |
| Average total loans | $261,557,600 | 1,768 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3917% | 711 |
| Cost of funding earning assets | 1.5147% | 391 |
| Net interest margin | 3.8771% | 2,337 |
| Noninterest income to average assets | 0.3410% | 3,687 |
| Noninterest expense to average assets | 2.4181% | 3,636 |
| Loan and lease loss provision to assets | 0.2374% | 707 |
| Net operating income to assets | 1.0625% | 2,726 |
| Return on assets (ROA) | 1.0625% | 2,806 |
| Pretax return on assets | 1.3738% | 2,408 |
| Return on Equity (ROE) | 10.1800% | 2,360 |
| Retained earnings to average equity (ytd only) | 6.4977% | 2,120 |
| Net charge-offs to loans | 0.1853% | 933 |
| Credit loss provision to net charge-offs | 153.9945% | 1,597 |
| Earnings coverage of net charge-offs (x) | 10.4517% | 2,497 |
| Efficiency ratio | 60.0126% | 3,646 |
| Assets per employee ($millions) | 5.3043% | 2,220 |
| Cash dividends to net income (ytd only)* | 36.1711% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 2,650 |
| Loan loss allowance to noncurrent loans | 60.2273% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.6517% | 622 |
| Noncurrent loans to loans | 1.9478% | 703 |
| Net loans and leases to total assets | 82.7484% | 492 |
| Net loans and leases to deposits | 99.3665% | 694 |
| Net loans and leases to core deposits | 129.1774% | 303 |
| Total domestic deposits to total assets | 83.2760% | 3,070 |
| Equity capital to assets | 10.7579% | 3,328 |
| Core capital (leverage) ratio | 10.5109% | 3,095 |
| Tier 1 risk-based capital ratio | 13.2725% | 3,702 |
| Total risk-based capital ratio | 14.5036% | 3,617 |
| Memoranda: | ||
| Average total assets | $313,959,500 | 2,090 |
| Average earning assets | $298,672,750 | 2,045 |
| Average equity | $32,769,500 | 2,268 |
| Average total loans | $261,206,750 | 1,782 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3739% | 710 |
| Cost of funding earning assets | 1.4855% | 397 |
| Net interest margin | 3.8884% | 2,275 |
| Noninterest income to average assets | 0.3354% | 3,693 |
| Noninterest expense to average assets | 2.3659% | 3,828 |
| Loan and lease loss provision to assets | 0.3557% | 361 |
| Net operating income to assets | 1.0264% | 2,818 |
| Return on assets (ROA) | 1.0264% | 2,900 |
| Pretax return on assets | 1.3115% | 2,520 |
| Return on Equity (ROE) | 9.9352% | 2,420 |
| Retained earnings to average equity (ytd only) | 8.0874% | 1,355 |
| Net charge-offs to loans | 0.2269% | 744 |
| Credit loss provision to net charge-offs | 188.8514% | 1,267 |
| Earnings coverage of net charge-offs (x) | 8.8514% | 2,380 |
| Efficiency ratio | 58.6620% | 3,909 |
| Assets per employee ($millions) | 5.5205% | 1,948 |
| Cash dividends to net income (ytd only)* | 18.5989% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 2,546 |
| Loan loss allowance to noncurrent loans | 78.8206% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.2880% | 992 |
| Noncurrent loans to loans | 1.5177% | 1,015 |
| Net loans and leases to total assets | 82.4433% | 540 |
| Net loans and leases to deposits | 98.5897% | 791 |
| Net loans and leases to core deposits | 127.8558% | 354 |
| Total domestic deposits to total assets | 83.6227% | 3,001 |
| Equity capital to assets | 10.5655% | 3,459 |
| Core capital (leverage) ratio | 10.5083% | 3,080 |
| Tier 1 risk-based capital ratio | 13.0964% | 3,789 |
| Total risk-based capital ratio | 14.3464% | 3,698 |
| Memoranda: | ||
| Average total assets | $314,295,670 | 2,087 |
| Average earning assets | $298,888,000 | 2,044 |
| Average equity | $32,470,330 | 2,276 |
| Average total loans | $260,930,330 | 1,790 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3307% | 717 |
| Cost of funding earning assets | 1.4768% | 351 |
| Net interest margin | 3.8539% | 2,328 |
| Noninterest income to average assets | 0.3196% | 3,724 |
| Noninterest expense to average assets | 2.4030% | 3,764 |
| Loan and lease loss provision to assets | 0.3362% | 363 |
| Net operating income to assets | 0.9831% | 2,912 |
| Return on assets (ROA) | 0.9831% | 2,951 |
| Pretax return on assets | 1.2492% | 2,632 |
| Return on Equity (ROE) | 9.6252% | 2,533 |
| Retained earnings to average equity (ytd only) | 9.6252% | 1,126 |
| Net charge-offs to loans | 0.1138% | 1,051 |
| Credit loss provision to net charge-offs | 356.7568% | 752 |
| Earnings coverage of net charge-offs (x) | 16.8243% | 1,683 |
| Efficiency ratio | 60.2490% | 3,770 |
| Assets per employee ($millions) | 5.5972% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 2,693 |
| Loan loss allowance to noncurrent loans | 68.4058% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 1.4465% | 850 |
| Noncurrent loans to loans | 1.7244% | 893 |
| Net loans and leases to total assets | 82.0011% | 588 |
| Net loans and leases to deposits | 96.6630% | 912 |
| Net loans and leases to core deposits | 128.0853% | 334 |
| Total domestic deposits to total assets | 84.8319% | 2,737 |
| Equity capital to assets | 10.3943% | 3,423 |
| Core capital (leverage) ratio | 10.3117% | 3,263 |
| Tier 1 risk-based capital ratio | 12.9754% | 3,888 |
| Total risk-based capital ratio | 14.2073% | 3,794 |
| Memoranda: | ||
| Average total assets | $314,110,000 | 2,102 |
| Average earning assets | $299,023,000 | 2,054 |
| Average equity | $32,082,500 | 2,294 |
| Average total loans | $260,114,000 | 1,806 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2583% | 627 |
| Cost of funding earning assets | 1.2088% | 327 |
| Net interest margin | 4.0495% | 1,827 |
| Noninterest income to average assets | 0.3547% | 3,728 |
| Noninterest expense to average assets | 2.5631% | 3,430 |
| Loan and lease loss provision to assets | 0.4590% | 276 |
| Net operating income to assets | 0.9433% | 3,274 |
| Return on assets (ROA) | 0.9381% | 3,283 |
| Pretax return on assets | 1.1770% | 2,979 |
| Return on Equity (ROE) | 9.2881% | 2,843 |
| Retained earnings to average equity (ytd only) | 7.8931% | 1,285 |
| Net charge-offs to loans | 0.6669% | 250 |
| Credit loss provision to net charge-offs | 84.2010% | 2,796 |
| Earnings coverage of net charge-offs (x) | 3.0133% | 3,462 |
| Efficiency ratio | 60.9446% | 3,701 |
| Assets per employee ($millions) | 5.6211% | 1,843 |
| Cash dividends to net income (ytd only)* | 15.0193% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1063% | 3,057 |
| Loan loss allowance to noncurrent loans | 66.0850% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 1.3994% | 876 |
| Noncurrent loans to loans | 1.6741% | 868 |
| Net loans and leases to total assets | 81.7262% | 693 |
| Net loans and leases to deposits | 96.7095% | 1,003 |
| Net loans and leases to core deposits | 133.9992% | 261 |
| Total domestic deposits to total assets | 84.5069% | 2,829 |
| Equity capital to assets | 10.0340% | 3,653 |
| Core capital (leverage) ratio | 10.1682% | 3,386 |
| Tier 1 risk-based capital ratio | 12.8034% | 3,963 |
| Total risk-based capital ratio | 13.9714% | 3,888 |
| Memoranda: | ||
| Average total assets | $303,071,000 | 2,139 |
| Average earning assets | $288,211,400 | 2,087 |
| Average equity | $30,609,200 | 2,304 |
| Average total loans | $247,704,200 | 1,833 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2592% | 557 |
| Cost of funding earning assets | 1.1436% | 335 |
| Net interest margin | 4.1156% | 1,584 |
| Noninterest income to average assets | 0.3398% | 3,876 |
| Noninterest expense to average assets | 2.3810% | 3,897 |
| Loan and lease loss provision to assets | 0.6179% | 167 |
| Net operating income to assets | 0.9936% | 3,109 |
| Return on assets (ROA) | 0.9866% | 3,153 |
| Pretax return on assets | 1.2456% | 2,829 |
| Return on Equity (ROE) | 9.7521% | 2,728 |
| Retained earnings to average equity (ytd only) | 8.3383% | 1,498 |
| Net charge-offs to loans | 0.8514% | 168 |
| Credit loss provision to net charge-offs | 89.0525% | 2,434 |
| Earnings coverage of net charge-offs (x) | 2.6985% | 3,222 |
| Efficiency ratio | 55.9791% | 4,394 |
| Assets per employee ($millions) | 5.1527% | 2,273 |
| Cash dividends to net income (ytd only)* | 14.4979% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 2,813 |
| Loan loss allowance to noncurrent loans | 66.5322% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.5726% | 804 |
| Noncurrent loans to loans | 1.7528% | 883 |
| Net loans and leases to total assets | 81.3619% | 817 |
| Net loans and leases to deposits | 97.2154% | 1,025 |
| Net loans and leases to core deposits | 134.7380% | 258 |
| Total domestic deposits to total assets | 83.6924% | 3,051 |
| Equity capital to assets | 10.0002% | 3,646 |
| Core capital (leverage) ratio | 10.0684% | 3,561 |
| Tier 1 risk-based capital ratio | 12.8749% | 3,977 |
| Total risk-based capital ratio | 14.1064% | 3,893 |
| Memoranda: | ||
| Average total assets | $300,144,000 | 2,163 |
| Average earning assets | $285,410,750 | 2,113 |
| Average equity | $30,365,250 | 2,323 |
| Average total loans | $244,596,500 | 1,860 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2202% | 536 |
| Cost of funding earning assets | 1.0633% | 344 |
| Net interest margin | 4.1569% | 1,391 |
| Noninterest income to average assets | 0.3433% | 3,882 |
| Noninterest expense to average assets | 2.2347% | 4,292 |
| Loan and lease loss provision to assets | 0.7673% | 122 |
| Net operating income to assets | 1.0352% | 2,871 |
| Return on assets (ROA) | 1.0244% | 2,924 |
| Pretax return on assets | 1.2802% | 2,591 |
| Return on Equity (ROE) | 10.0857% | 2,527 |
| Retained earnings to average equity (ytd only) | 8.5483% | 1,381 |
| Net charge-offs to loans | 1.1215% | 114 |
| Credit loss provision to net charge-offs | 84.2572% | 2,218 |
| Earnings coverage of net charge-offs (x) | 2.2631% | 2,988 |
| Efficiency ratio | 52.0213% | 4,890 |
| Assets per employee ($millions) | 5.0638% | 2,332 |
| Cash dividends to net income (ytd only)* | 15.2431% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 2,876 |
| Loan loss allowance to noncurrent loans | 53.7176% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.8599% | 603 |
| Noncurrent loans to loans | 2.1808% | 646 |
| Net loans and leases to total assets | 81.2452% | 819 |
| Net loans and leases to deposits | 97.3594% | 1,011 |
| Net loans and leases to core deposits | 130.3961% | 328 |
| Total domestic deposits to total assets | 83.4488% | 3,264 |
| Equity capital to assets | 10.0593% | 3,569 |
| Core capital (leverage) ratio | 10.2325% | 3,313 |
| Tier 1 risk-based capital ratio | 12.8392% | 3,991 |
| Total risk-based capital ratio | 14.0742% | 3,905 |
| Memoranda: | ||
| Average total assets | $297,137,670 | 2,193 |
| Average earning assets | $282,519,330 | 2,142 |
| Average equity | $30,181,330 | 2,339 |
| Average total loans | $241,292,330 | 1,878 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2929% | 408 |
| Cost of funding earning assets | 0.9934% | 378 |
| Net interest margin | 4.2995% | 948 |
| Noninterest income to average assets | 0.3456% | 3,831 |
| Noninterest expense to average assets | 2.3378% | 4,090 |
| Loan and lease loss provision to assets | 0.9308% | 95 |
| Net operating income to assets | 0.9553% | 3,049 |
| Return on assets (ROA) | 0.9553% | 3,067 |
| Pretax return on assets | 1.1703% | 2,892 |
| Return on Equity (ROE) | 9.2860% | 2,775 |
| Retained earnings to average equity (ytd only) | 7.1695% | 2,198 |
| Net charge-offs to loans | 0.0472% | 1,645 |
| Credit loss provision to net charge-offs | 2,442.8571% | 153 |
| Earnings coverage of net charge-offs (x) | 55.1429% | 887 |
| Efficiency ratio | 52.6671% | 4,910 |
| Assets per employee ($millions) | 5.0408% | 2,436 |
| Cash dividends to net income (ytd only)* | 22.7920% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 2,240 |
| Loan loss allowance to noncurrent loans | 158.1596% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.7323% | 2,121 |
| Noncurrent loans to loans | 0.8225% | 2,173 |
| Net loans and leases to total assets | 79.3623% | 1,029 |
| Net loans and leases to deposits | 93.2225% | 1,310 |
| Net loans and leases to core deposits | 139.2649% | 223 |
| Total domestic deposits to total assets | 85.1322% | 2,891 |
| Equity capital to assets | 10.2210% | 3,369 |
| Core capital (leverage) ratio | 10.3210% | 3,166 |
| Tier 1 risk-based capital ratio | 13.4884% | 3,656 |
| Total risk-based capital ratio | 14.7402% | 3,571 |
| Memoranda: | ||
| Average total assets | $293,947,500 | 2,228 |
| Average earning assets | $279,848,000 | 2,181 |
| Average equity | $30,239,000 | 2,350 |
| Average total loans | $237,053,000 | 1,915 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1761% | 466 |
| Cost of funding earning assets | 0.8471% | 489 |
| Net interest margin | 4.3290% | 910 |
| Noninterest income to average assets | 0.3599% | 3,897 |
| Noninterest expense to average assets | 2.9036% | 2,444 |
| Loan and lease loss provision to assets | 0.4260% | 334 |
| Net operating income to assets | 0.8434% | 2,980 |
| Return on assets (ROA) | 0.8434% | 3,005 |
| Pretax return on assets | 1.1401% | 3,021 |
| Return on Equity (ROE) | 8.2483% | 2,671 |
| Retained earnings to average equity (ytd only) | 7.6231% | 887 |
| Net charge-offs to loans | 0.5243% | 444 |
| Credit loss provision to net charge-offs | 103.0769% | 2,482 |
| Earnings coverage of net charge-offs (x) | 3.7897% | 3,555 |
| Efficiency ratio | 64.9625% | 3,454 |
| Assets per employee ($millions) | 4.9235% | 2,570 |
| Cash dividends to net income (ytd only)* | 7.5796% | 3,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 3,658 |
| Loan loss allowance to noncurrent loans | 137.6893% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6864% | 2,256 |
| Noncurrent loans to loans | 0.7588% | 2,308 |
| Net loans and leases to total assets | 80.0415% | 955 |
| Net loans and leases to deposits | 93.8570% | 1,291 |
| Net loans and leases to core deposits | 129.9249% | 342 |
| Total domestic deposits to total assets | 85.2803% | 2,731 |
| Equity capital to assets | 10.3550% | 3,324 |
| Core capital (leverage) ratio | 10.4608% | 2,890 |
| Tier 1 risk-based capital ratio | 13.4432% | 3,660 |
| Total risk-based capital ratio | 14.5577% | 3,649 |
| Memoranda: | ||
| Average total assets | $283,129,200 | 2,272 |
| Average earning assets | $268,791,200 | 2,216 |
| Average equity | $28,951,400 | 2,431 |
| Average total loans | $223,151,600 | 1,980 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1882% | 426 |
| Cost of funding earning assets | 0.8356% | 482 |
| Net interest margin | 4.3525% | 816 |
| Noninterest income to average assets | 0.3503% | 4,027 |
| Noninterest expense to average assets | 2.8373% | 2,605 |
| Loan and lease loss provision to assets | 0.3223% | 472 |
| Net operating income to assets | 0.9561% | 2,736 |
| Return on assets (ROA) | 0.9561% | 2,800 |
| Pretax return on assets | 1.3210% | 2,391 |
| Return on Equity (ROE) | 9.3803% | 2,410 |
| Retained earnings to average equity (ytd only) | 8.9199% | 871 |
| Net charge-offs to loans | 0.3669% | 574 |
| Credit loss provision to net charge-offs | 112.2112% | 2,119 |
| Earnings coverage of net charge-offs (x) | 5.7211% | 3,065 |
| Efficiency ratio | 63.3238% | 3,663 |
| Assets per employee ($millions) | 4.6347% | 2,924 |
| Cash dividends to net income (ytd only)* | 4.9084% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 3,547 |
| Loan loss allowance to noncurrent loans | 164.7720% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6106% | 2,682 |
| Noncurrent loans to loans | 0.6613% | 2,719 |
| Net loans and leases to total assets | 77.5007% | 1,348 |
| Net loans and leases to deposits | 92.3110% | 1,521 |
| Net loans and leases to core deposits | 121.7056% | 527 |
| Total domestic deposits to total assets | 83.9561% | 3,141 |
| Equity capital to assets | 10.1850% | 3,704 |
| Core capital (leverage) ratio | 10.4559% | 3,037 |
| Tier 1 risk-based capital ratio | 13.5830% | 3,647 |
| Total risk-based capital ratio | 14.7331% | 3,627 |
| Memoranda: | ||
| Average total assets | $281,289,500 | 2,295 |
| Average earning assets | $266,933,000 | 2,241 |
| Average equity | $28,669,250 | 2,469 |
| Average total loans | $220,198,000 | 2,005 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2652% | 352 |
| Cost of funding earning assets | 0.8198% | 474 |
| Net interest margin | 4.4454% | 644 |
| Noninterest income to average assets | 0.3730% | 3,889 |
| Noninterest expense to average assets | 2.8726% | 2,509 |
| Loan and lease loss provision to assets | 0.3601% | 394 |
| Net operating income to assets | 0.9772% | 2,538 |
| Return on assets (ROA) | 0.9772% | 2,585 |
| Pretax return on assets | 1.3539% | 2,195 |
| Return on Equity (ROE) | 9.5858% | 2,225 |
| Retained earnings to average equity (ytd only) | 9.2962% | 763 |
| Net charge-offs to loans | 0.3571% | 566 |
| Credit loss provision to net charge-offs | 128.8660% | 1,694 |
| Earnings coverage of net charge-offs (x) | 6.1340% | 2,741 |
| Efficiency ratio | 62.6315% | 3,881 |
| Assets per employee ($millions) | 4.7630% | 2,701 |
| Cash dividends to net income (ytd only)* | 3.0214% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 3,429 |
| Loan loss allowance to noncurrent loans | 126.2344% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.7919% | 2,225 |
| Noncurrent loans to loans | 0.8932% | 2,190 |
| Net loans and leases to total assets | 77.6606% | 1,293 |
| Net loans and leases to deposits | 92.4911% | 1,434 |
| Net loans and leases to core deposits | 118.0084% | 641 |
| Total domestic deposits to total assets | 83.9655% | 3,210 |
| Equity capital to assets | 10.1880% | 3,680 |
| Core capital (leverage) ratio | 10.3765% | 3,044 |
| Tier 1 risk-based capital ratio | 13.6243% | 3,627 |
| Total risk-based capital ratio | 14.8198% | 3,573 |
| Memoranda: | ||
| Average total assets | $277,723,670 | 2,323 |
| Average earning assets | $263,236,330 | 2,280 |
| Average equity | $28,312,670 | 2,486 |
| Average total loans | $217,335,670 | 2,028 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2089% | 374 |
| Cost of funding earning assets | 0.7748% | 568 |
| Net interest margin | 4.4341% | 596 |
| Noninterest income to average assets | 0.3902% | 3,736 |
| Noninterest expense to average assets | 2.8879% | 2,494 |
| Loan and lease loss provision to assets | 0.3654% | 319 |
| Net operating income to assets | 0.9690% | 2,442 |
| Return on assets (ROA) | 0.9690% | 2,492 |
| Pretax return on assets | 1.3358% | 2,115 |
| Return on Equity (ROE) | 9.5015% | 2,187 |
| Retained earnings to average equity (ytd only) | 9.4441% | 936 |
| Net charge-offs to loans | 0.2414% | 742 |
| Credit loss provision to net charge-offs | 193.7984% | 1,030 |
| Earnings coverage of net charge-offs (x) | 9.0233% | 2,019 |
| Efficiency ratio | 62.9299% | 3,997 |
| Assets per employee ($millions) | 4.7916% | 2,715 |
| Cash dividends to net income (ytd only)* | 0.6033% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 3,372 |
| Loan loss allowance to noncurrent loans | 114.3114% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.9147% | 2,025 |
| Noncurrent loans to loans | 1.0128% | 2,028 |
| Net loans and leases to total assets | 76.7087% | 1,305 |
| Net loans and leases to deposits | 91.9002% | 1,342 |
| Net loans and leases to core deposits | 119.0724% | 486 |
| Total domestic deposits to total assets | 83.4695% | 3,666 |
| Equity capital to assets | 10.0112% | 3,745 |
| Core capital (leverage) ratio | 10.2870% | 3,130 |
| Tier 1 risk-based capital ratio | 13.5656% | 3,739 |
| Total risk-based capital ratio | 14.7880% | 3,663 |
| Memoranda: | ||
| Average total assets | $273,697,000 | 2,371 |
| Average earning assets | $259,174,000 | 2,320 |
| Average equity | $27,911,500 | 2,524 |
| Average total loans | $213,770,000 | 2,074 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5471% | 233 |
| Cost of funding earning assets | 0.7256% | 720 |
| Net interest margin | 4.8215% | 334 |
| Noninterest income to average assets | 0.4376% | 3,632 |
| Noninterest expense to average assets | 3.2363% | 1,711 |
| Loan and lease loss provision to assets | 0.4864% | 289 |
| Net operating income to assets | 0.9515% | 2,574 |
| Return on assets (ROA) | 0.9515% | 2,682 |
| Pretax return on assets | 1.2613% | 2,431 |
| Return on Equity (ROE) | 8.8160% | 2,510 |
| Retained earnings to average equity (ytd only) | 3.7027% | 3,279 |
| Net charge-offs to loans | 0.5448% | 440 |
| Credit loss provision to net charge-offs | 114.5951% | 2,294 |
| Earnings coverage of net charge-offs (x) | 4.1177% | 3,552 |
| Efficiency ratio | 64.9346% | 3,773 |
| Assets per employee ($millions) | 4.4863% | 3,133 |
| Cash dividends to net income (ytd only)* | 58.0008% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 3,356 |
| Loan loss allowance to noncurrent loans | 115.5757% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.9498% | 1,997 |
| Noncurrent loans to loans | 1.0056% | 2,081 |
| Net loans and leases to total assets | 77.7220% | 1,243 |
| Net loans and leases to deposits | 95.1998% | 1,075 |
| Net loans and leases to core deposits | 118.9465% | 514 |
| Total domestic deposits to total assets | 81.6409% | 4,163 |
| Equity capital to assets | 10.3974% | 3,274 |
| Core capital (leverage) ratio | 10.6599% | 2,710 |
| Tier 1 risk-based capital ratio | 13.9133% | 3,512 |
| Total risk-based capital ratio | 15.1359% | 3,445 |
| Memoranda: | ||
| Average total assets | $250,226,800 | 2,507 |
| Average earning assets | $235,944,000 | 2,471 |
| Average equity | $27,007,600 | 2,569 |
| Average total loans | $194,938,600 | 2,158 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6369% | 209 |
| Cost of funding earning assets | 0.7255% | 716 |
| Net interest margin | 4.9115% | 296 |
| Noninterest income to average assets | 0.4395% | 3,635 |
| Noninterest expense to average assets | 3.1298% | 1,955 |
| Loan and lease loss provision to assets | 0.5082% | 243 |
| Net operating income to assets | 1.0429% | 2,235 |
| Return on assets (ROA) | 1.0429% | 2,354 |
| Pretax return on assets | 1.4316% | 1,936 |
| Return on Equity (ROE) | 9.5685% | 2,242 |
| Retained earnings to average equity (ytd only) | 3.0506% | 4,081 |
| Net charge-offs to loans | 0.5128% | 413 |
| Credit loss provision to net charge-offs | 127.5441% | 1,998 |
| Earnings coverage of net charge-offs (x) | 4.8684% | 3,210 |
| Efficiency ratio | 61.7362% | 4,273 |
| Assets per employee ($millions) | 4.0810% | 3,819 |
| Cash dividends to net income (ytd only)* | 68.1182% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 3,157 |
| Loan loss allowance to noncurrent loans | 110.2324% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.9884% | 2,096 |
| Noncurrent loans to loans | 1.1003% | 2,052 |
| Net loans and leases to total assets | 79.4114% | 985 |
| Net loans and leases to deposits | 93.4480% | 1,327 |
| Net loans and leases to core deposits | 116.2662% | 649 |
| Total domestic deposits to total assets | 84.9792% | 2,817 |
| Equity capital to assets | 10.8868% | 3,153 |
| Core capital (leverage) ratio | 10.7529% | 2,726 |
| Tier 1 risk-based capital ratio | 13.6633% | 3,765 |
| Total risk-based capital ratio | 14.9053% | 3,678 |
| Memoranda: | ||
| Average total assets | $246,610,500 | 2,547 |
| Average earning assets | $232,484,500 | 2,499 |
| Average equity | $26,879,250 | 2,596 |
| Average total loans | $191,637,500 | 2,192 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6052% | 213 |
| Cost of funding earning assets | 0.7171% | 735 |
| Net interest margin | 4.8880% | 324 |
| Noninterest income to average assets | 0.4311% | 3,656 |
| Noninterest expense to average assets | 3.1063% | 2,042 |
| Loan and lease loss provision to assets | 0.5318% | 234 |
| Net operating income to assets | 1.0275% | 2,258 |
| Return on assets (ROA) | 1.0275% | 2,400 |
| Pretax return on assets | 1.3989% | 2,029 |
| Return on Equity (ROE) | 9.4234% | 2,309 |
| Retained earnings to average equity (ytd only) | -0.0600% | 5,303 |
| Net charge-offs to loans | 0.3708% | 621 |
| Credit loss provision to net charge-offs | 186.7816% | 1,365 |
| Earnings coverage of net charge-offs (x) | 6.7816% | 2,704 |
| Efficiency ratio | 61.6696% | 4,392 |
| Assets per employee ($millions) | 4.2403% | 3,482 |
| Cash dividends to net income (ytd only)* | 100.6369% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 2,544 |
| Loan loss allowance to noncurrent loans | 108.5412% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.9825% | 2,180 |
| Noncurrent loans to loans | 1.2409% | 1,851 |
| Net loans and leases to total assets | 75.1535% | 1,624 |
| Net loans and leases to deposits | 87.5169% | 2,063 |
| Net loans and leases to core deposits | 108.9714% | 981 |
| Total domestic deposits to total assets | 85.8731% | 2,477 |
| Equity capital to assets | 10.8092% | 3,274 |
| Core capital (leverage) ratio | 10.6149% | 2,835 |
| Tier 1 risk-based capital ratio | 14.3588% | 3,398 |
| Total risk-based capital ratio | 15.6106% | 3,318 |
| Memoranda: | ||
| Average total assets | $244,473,000 | 2,574 |
| Average earning assets | $230,358,330 | 2,535 |
| Average equity | $26,657,000 | 2,619 |
| Average total loans | $187,718,000 | 2,236 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5501% | 237 |
| Cost of funding earning assets | 0.6984% | 811 |
| Net interest margin | 4.8517% | 331 |
| Noninterest income to average assets | 0.4255% | 3,645 |
| Noninterest expense to average assets | 3.2381% | 1,747 |
| Loan and lease loss provision to assets | 0.4966% | 250 |
| Net operating income to assets | 0.9469% | 2,523 |
| Return on assets (ROA) | 0.9469% | 2,640 |
| Pretax return on assets | 1.2681% | 2,432 |
| Return on Equity (ROE) | 8.6455% | 2,581 |
| Retained earnings to average equity (ytd only) | -10.3081% | 5,813 |
| Net charge-offs to loans | 0.5067% | 434 |
| Credit loss provision to net charge-offs | 127.1186% | 1,378 |
| Earnings coverage of net charge-offs (x) | 4.5169% | 2,420 |
| Efficiency ratio | 64.7253% | 4,014 |
| Assets per employee ($millions) | 4.7240% | 2,707 |
| Cash dividends to net income (ytd only)* | 219.2308% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 3,329 |
| Loan loss allowance to noncurrent loans | 90.3026% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.0668% | 2,072 |
| Noncurrent loans to loans | 1.3585% | 1,754 |
| Net loans and leases to total assets | 74.8631% | 1,582 |
| Net loans and leases to deposits | 86.4454% | 2,021 |
| Net loans and leases to core deposits | 109.4734% | 879 |
| Total domestic deposits to total assets | 86.6016% | 2,409 |
| Equity capital to assets | 10.4049% | 3,608 |
| Core capital (leverage) ratio | 10.7464% | 2,674 |
| Tier 1 risk-based capital ratio | 14.2931% | 3,501 |
| Total risk-based capital ratio | 15.5435% | 3,433 |
| Memoranda: | ||
| Average total assets | $241,621,500 | 2,610 |
| Average earning assets | $227,959,500 | 2,569 |
| Average equity | $26,464,500 | 2,631 |
| Average total loans | $186,285,500 | 2,246 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8697% | 154 |
| Cost of funding earning assets | 0.6593% | 1,024 |
| Net interest margin | 5.2104% | 179 |
| Noninterest income to average assets | 0.4442% | 3,715 |
| Noninterest expense to average assets | 3.6129% | 1,109 |
| Loan and lease loss provision to assets | 0.4019% | 337 |
| Net operating income to assets | 0.9632% | 2,562 |
| Return on assets (ROA) | 0.9632% | 2,633 |
| Pretax return on assets | 1.3153% | 2,225 |
| Return on Equity (ROE) | 8.4409% | 2,740 |
| Retained earnings to average equity (ytd only) | 8.0080% | 912 |
| Net charge-offs to loans | 0.4779% | 566 |
| Credit loss provision to net charge-offs | 108.9264% | 2,313 |
| Earnings coverage of net charge-offs (x) | 4.6538% | 3,513 |
| Efficiency ratio | 67.7829% | 3,604 |
| Assets per employee ($millions) | 4.0854% | 3,784 |
| Cash dividends to net income (ytd only)* | 5.1294% | 4,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 3,254 |
| Loan loss allowance to noncurrent loans | 114.9746% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.8460% | 2,551 |
| Noncurrent loans to loans | 1.0776% | 2,187 |
| Net loans and leases to total assets | 77.5287% | 1,187 |
| Net loans and leases to deposits | 97.5597% | 855 |
| Net loans and leases to core deposits | 119.3581% | 492 |
| Total domestic deposits to total assets | 79.4679% | 4,874 |
| Equity capital to assets | 11.5421% | 2,322 |
| Core capital (leverage) ratio | 11.4878% | 1,969 |
| Tier 1 risk-based capital ratio | 15.7547% | 2,802 |
| Total risk-based capital ratio | 17.0058% | 2,743 |
| Memoranda: | ||
| Average total assets | $224,664,200 | 2,705 |
| Average earning assets | $210,675,600 | 2,672 |
| Average equity | $25,637,000 | 2,642 |
| Average total loans | $173,462,400 | 2,309 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8863% | 154 |
| Cost of funding earning assets | 0.6646% | 1,002 |
| Net interest margin | 5.2217% | 177 |
| Noninterest income to average assets | 0.4534% | 3,689 |
| Noninterest expense to average assets | 3.5044% | 1,277 |
| Loan and lease loss provision to assets | 0.3612% | 366 |
| Net operating income to assets | 1.0751% | 2,111 |
| Return on assets (ROA) | 1.0751% | 2,201 |
| Pretax return on assets | 1.4776% | 1,744 |
| Return on Equity (ROE) | 9.4496% | 2,330 |
| Retained earnings to average equity (ytd only) | 9.2022% | 830 |
| Net charge-offs to loans | 0.4628% | 544 |
| Credit loss provision to net charge-offs | 101.5152% | 2,232 |
| Earnings coverage of net charge-offs (x) | 5.1684% | 3,244 |
| Efficiency ratio | 65.5868% | 3,961 |
| Assets per employee ($millions) | 3.8967% | 4,089 |
| Cash dividends to net income (ytd only)* | 2.6186% | 3,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 3,568 |
| Loan loss allowance to noncurrent loans | 94.8276% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.0091% | 2,346 |
| Noncurrent loans to loans | 1.2808% | 1,996 |
| Net loans and leases to total assets | 77.8283% | 1,130 |
| Net loans and leases to deposits | 96.3030% | 973 |
| Net loans and leases to core deposits | 114.7669% | 643 |
| Total domestic deposits to total assets | 80.8161% | 4,519 |
| Equity capital to assets | 11.3742% | 2,614 |
| Core capital (leverage) ratio | 11.5739% | 1,981 |
| Tier 1 risk-based capital ratio | 15.3810% | 3,101 |
| Total risk-based capital ratio | 16.6315% | 3,035 |
| Memoranda: | ||
| Average total assets | $222,612,750 | 2,750 |
| Average earning assets | $208,456,750 | 2,715 |
| Average equity | $25,326,750 | 2,689 |
| Average total loans | $171,126,500 | 2,354 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8768% | 152 |
| Cost of funding earning assets | 0.6850% | 914 |
| Net interest margin | 5.1918% | 184 |
| Noninterest income to average assets | 0.4342% | 3,821 |
| Noninterest expense to average assets | 3.4081% | 1,458 |
| Loan and lease loss provision to assets | 0.4251% | 262 |
| Net operating income to assets | 1.0682% | 2,064 |
| Return on assets (ROA) | 1.0682% | 2,167 |
| Pretax return on assets | 1.4543% | 1,786 |
| Return on Equity (ROE) | 9.3883% | 2,343 |
| Retained earnings to average equity (ytd only) | 9.3404% | 822 |
| Net charge-offs to loans | 0.4935% | 503 |
| Credit loss provision to net charge-offs | 113.0435% | 1,889 |
| Earnings coverage of net charge-offs (x) | 4.9976% | 2,972 |
| Efficiency ratio | 64.4563% | 4,284 |
| Assets per employee ($millions) | 3.6043% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.5102% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 3,296 |
| Loan loss allowance to noncurrent loans | 116.0207% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.8659% | 2,817 |
| Noncurrent loans to loans | 1.1122% | 2,433 |
| Net loans and leases to total assets | 76.8487% | 1,248 |
| Net loans and leases to deposits | 91.7886% | 1,397 |
| Net loans and leases to core deposits | 111.5463% | 760 |
| Total domestic deposits to total assets | 83.7236% | 3,678 |
| Equity capital to assets | 11.3705% | 2,517 |
| Core capital (leverage) ratio | 11.5740% | 1,945 |
| Tier 1 risk-based capital ratio | 15.6880% | 3,002 |
| Total risk-based capital ratio | 16.9395% | 2,955 |
| Memoranda: | ||
| Average total assets | $220,181,670 | 2,788 |
| Average earning assets | $205,824,670 | 2,749 |
| Average equity | $25,052,330 | 2,721 |
| Average total loans | $167,791,330 | 2,397 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8783% | 152 |
| Cost of funding earning assets | 0.6890% | 897 |
| Net interest margin | 5.1893% | 181 |
| Noninterest income to average assets | 0.4338% | 3,742 |
| Noninterest expense to average assets | 3.2397% | 1,873 |
| Loan and lease loss provision to assets | 0.5088% | 202 |
| Net operating income to assets | 1.1165% | 1,807 |
| Return on assets (ROA) | 1.1165% | 1,913 |
| Pretax return on assets | 1.5375% | 1,431 |
| Return on Equity (ROE) | 9.8094% | 2,091 |
| Retained earnings to average equity (ytd only) | 9.7451% | 984 |
| Net charge-offs to loans | 0.5367% | 465 |
| Credit loss provision to net charge-offs | 125.7919% | 1,401 |
| Earnings coverage of net charge-offs (x) | 5.0588% | 2,422 |
| Efficiency ratio | 61.2881% | 4,919 |
| Assets per employee ($millions) | 3.6443% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.6557% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 3,167 |
| Loan loss allowance to noncurrent loans | 120.7304% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.8376% | 2,989 |
| Noncurrent loans to loans | 1.1144% | 2,544 |
| Net loans and leases to total assets | 74.1499% | 1,479 |
| Net loans and leases to deposits | 86.7754% | 1,740 |
| Net loans and leases to core deposits | 106.1356% | 927 |
| Total domestic deposits to total assets | 85.4504% | 3,199 |
| Equity capital to assets | 11.3004% | 2,646 |
| Core capital (leverage) ratio | 11.3987% | 2,083 |
| Tier 1 risk-based capital ratio | 15.2938% | 3,267 |
| Total risk-based capital ratio | 16.5448% | 3,195 |
| Memoranda: | ||
| Average total assets | $218,540,000 | 2,815 |
| Average earning assets | $204,344,000 | 2,785 |
| Average equity | $24,874,000 | 2,761 |
| Average total loans | $164,699,500 | 2,435 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8583% | 184 |
| Cost of funding earning assets | 0.7076% | 1,063 |
| Net interest margin | 5.1507% | 227 |
| Noninterest income to average assets | 0.4961% | 3,543 |
| Noninterest expense to average assets | 3.6193% | 1,265 |
| Loan and lease loss provision to assets | 0.3450% | 561 |
| Net operating income to assets | 0.9610% | 2,578 |
| Return on assets (ROA) | 0.9408% | 2,764 |
| Pretax return on assets | 1.2994% | 2,243 |
| Return on Equity (ROE) | 8.6067% | 2,786 |
| Retained earnings to average equity (ytd only) | 8.1418% | 968 |
| Net charge-offs to loans | 0.4470% | 944 |
| Credit loss provision to net charge-offs | 104.2254% | 2,297 |
| Earnings coverage of net charge-offs (x) | 5.0521% | 3,508 |
| Efficiency ratio | 68.3965% | 3,825 |
| Assets per employee ($millions) | 3.5210% | 4,868 |
| Cash dividends to net income (ytd only)* | 5.4014% | 4,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 3,170 |
| Loan loss allowance to noncurrent loans | 107.1394% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.9791% | 2,796 |
| Noncurrent loans to loans | 1.2599% | 2,342 |
| Net loans and leases to total assets | 74.5529% | 1,488 |
| Net loans and leases to deposits | 88.4991% | 1,670 |
| Net loans and leases to core deposits | 109.4341% | 804 |
| Total domestic deposits to total assets | 84.2415% | 3,613 |
| Equity capital to assets | 11.4662% | 2,459 |
| Core capital (leverage) ratio | 11.2578% | 2,175 |
| Tier 1 risk-based capital ratio | 15.6811% | 3,137 |
| Total risk-based capital ratio | 16.9332% | 3,067 |
| Memoranda: | ||
| Average total assets | $214,491,600 | 2,836 |
| Average earning assets | $199,699,400 | 2,810 |
| Average equity | $23,446,800 | 2,808 |
| Average total loans | $158,841,800 | 2,440 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8839% | 170 |
| Cost of funding earning assets | 0.7012% | 1,148 |
| Net interest margin | 5.1828% | 210 |
| Noninterest income to average assets | 0.4819% | 3,671 |
| Noninterest expense to average assets | 3.4921% | 1,475 |
| Loan and lease loss provision to assets | 0.3358% | 539 |
| Net operating income to assets | 1.0347% | 2,305 |
| Return on assets (ROA) | 1.0086% | 2,479 |
| Pretax return on assets | 1.4383% | 1,854 |
| Return on Equity (ROE) | 9.3410% | 2,528 |
| Retained earnings to average equity (ytd only) | 9.0588% | 981 |
| Net charge-offs to loans | 0.5140% | 746 |
| Credit loss provision to net charge-offs | 88.6700% | 2,459 |
| Earnings coverage of net charge-offs (x) | 4.7832% | 3,384 |
| Efficiency ratio | 65.8459% | 4,235 |
| Assets per employee ($millions) | 3.6947% | 4,499 |
| Cash dividends to net income (ytd only)* | 3.0209% | 3,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 3,688 |
| Loan loss allowance to noncurrent loans | 106.3549% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.9023% | 3,188 |
| Noncurrent loans to loans | 1.2144% | 2,613 |
| Net loans and leases to total assets | 73.3432% | 1,622 |
| Net loans and leases to deposits | 85.6274% | 1,950 |
| Net loans and leases to core deposits | 104.7789% | 1,046 |
| Total domestic deposits to total assets | 85.6539% | 3,035 |
| Equity capital to assets | 11.1102% | 2,847 |
| Core capital (leverage) ratio | 11.0844% | 2,410 |
| Tier 1 risk-based capital ratio | 15.5501% | 3,287 |
| Total risk-based capital ratio | 16.8005% | 3,229 |
| Memoranda: | ||
| Average total assets | $214,419,750 | 2,859 |
| Average earning assets | $199,475,750 | 2,833 |
| Average equity | $23,151,750 | 2,839 |
| Average total loans | $157,973,500 | 2,467 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8832% | 171 |
| Cost of funding earning assets | 0.6843% | 1,280 |
| Net interest margin | 5.1989% | 198 |
| Noninterest income to average assets | 0.4755% | 3,668 |
| Noninterest expense to average assets | 3.5192% | 1,439 |
| Loan and lease loss provision to assets | 0.3752% | 462 |
| Net operating income to assets | 0.9820% | 2,398 |
| Return on assets (ROA) | 0.9820% | 2,476 |
| Pretax return on assets | 1.4126% | 1,851 |
| Return on Equity (ROE) | 9.1858% | 2,511 |
| Retained earnings to average equity (ytd only) | 8.7559% | 1,060 |
| Net charge-offs to loans | 0.6512% | 593 |
| Credit loss provision to net charge-offs | 78.4314% | 2,349 |
| Earnings coverage of net charge-offs (x) | 3.7373% | 3,228 |
| Efficiency ratio | 66.3132% | 4,313 |
| Assets per employee ($millions) | 3.8074% | 4,236 |
| Cash dividends to net income (ytd only)* | 4.6800% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 3,925 |
| Loan loss allowance to noncurrent loans | 84.8222% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.1142% | 2,849 |
| Noncurrent loans to loans | 1.5171% | 2,292 |
| Net loans and leases to total assets | 72.4961% | 1,649 |
| Net loans and leases to deposits | 85.5890% | 1,857 |
| Net loans and leases to core deposits | 103.7734% | 1,038 |
| Total domestic deposits to total assets | 84.7026% | 3,638 |
| Equity capital to assets | 10.8030% | 3,088 |
| Core capital (leverage) ratio | 11.0168% | 2,413 |
| Tier 1 risk-based capital ratio | 15.5526% | 3,333 |
| Total risk-based capital ratio | 16.8040% | 3,282 |
| Memoranda: | ||
| Average total assets | $213,230,000 | 2,881 |
| Average earning assets | $198,156,000 | 2,857 |
| Average equity | $22,796,000 | 2,875 |
| Average total loans | $156,640,670 | 2,488 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9422% | 155 |
| Cost of funding earning assets | 0.6982% | 1,258 |
| Net interest margin | 5.2439% | 170 |
| Noninterest income to average assets | 0.4618% | 3,698 |
| Noninterest expense to average assets | 3.5224% | 1,447 |
| Loan and lease loss provision to assets | 0.4732% | 328 |
| Net operating income to assets | 0.9748% | 2,305 |
| Return on assets (ROA) | 0.9748% | 2,368 |
| Pretax return on assets | 1.3420% | 1,947 |
| Return on Equity (ROE) | 9.1672% | 2,386 |
| Retained earnings to average equity (ytd only) | 8.2950% | 1,501 |
| Net charge-offs to loans | 0.5977% | 620 |
| Credit loss provision to net charge-offs | 107.7586% | 1,559 |
| Earnings coverage of net charge-offs (x) | 4.1336% | 2,568 |
| Efficiency ratio | 65.9929% | 4,527 |
| Assets per employee ($millions) | 3.9254% | 4,092 |
| Cash dividends to net income (ytd only)* | 9.5146% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 3,602 |
| Loan loss allowance to noncurrent loans | 93.9224% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.0945% | 3,062 |
| Noncurrent loans to loans | 1.4898% | 2,552 |
| Net loans and leases to total assets | 72.4356% | 1,508 |
| Net loans and leases to deposits | 83.2546% | 1,917 |
| Net loans and leases to core deposits | 100.8135% | 1,046 |
| Total domestic deposits to total assets | 87.0049% | 2,807 |
| Equity capital to assets | 10.7745% | 2,954 |
| Core capital (leverage) ratio | 10.7087% | 2,695 |
| Tier 1 risk-based capital ratio | 15.6933% | 3,339 |
| Total risk-based capital ratio | 16.9464% | 3,295 |
| Memoranda: | ||
| Average total assets | $211,333,000 | 2,905 |
| Average earning assets | $196,493,500 | 2,891 |
| Average equity | $22,471,500 | 2,893 |
| Average total loans | $155,268,500 | 2,518 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1357% | 140 |
| Cost of funding earning assets | 0.8103% | 1,160 |
| Net interest margin | 5.3254% | 180 |
| Noninterest income to average assets | 0.4744% | 3,928 |
| Noninterest expense to average assets | 3.7095% | 1,274 |
| Loan and lease loss provision to assets | 0.2602% | 1,369 |
| Net operating income to assets | 0.9818% | 2,414 |
| Return on assets (ROA) | 0.9818% | 2,481 |
| Pretax return on assets | 1.4474% | 1,632 |
| Return on Equity (ROE) | 9.3578% | 2,389 |
| Retained earnings to average equity (ytd only) | 8.8765% | 798 |
| Net charge-offs to loans | 0.4371% | 1,520 |
| Credit loss provision to net charge-offs | 80.2395% | 3,040 |
| Earnings coverage of net charge-offs (x) | 5.2650% | 3,346 |
| Efficiency ratio | 68.4772% | 4,103 |
| Assets per employee ($millions) | 4.1312% | 3,572 |
| Cash dividends to net income (ytd only)* | 5.1434% | 4,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 3,673 |
| Loan loss allowance to noncurrent loans | 95.2402% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.1068% | 3,193 |
| Noncurrent loans to loans | 1.4656% | 2,690 |
| Net loans and leases to total assets | 72.4528% | 1,607 |
| Net loans and leases to deposits | 88.5443% | 1,408 |
| Net loans and leases to core deposits | 108.8365% | 658 |
| Total domestic deposits to total assets | 81.8266% | 4,938 |
| Equity capital to assets | 10.4911% | 3,171 |
| Core capital (leverage) ratio | 10.8685% | 2,512 |
| Tier 1 risk-based capital ratio | 14.2498% | 4,117 |
| Total risk-based capital ratio | 15.5010% | 4,059 |
| Memoranda: | ||
| Average total assets | $205,958,200 | 2,960 |
| Average earning assets | $191,160,600 | 2,938 |
| Average equity | $21,607,600 | 2,971 |
| Average total loans | $152,823,200 | 2,521 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1684% | 136 |
| Cost of funding earning assets | 0.8324% | 1,142 |
| Net interest margin | 5.3360% | 180 |
| Noninterest income to average assets | 0.4532% | 4,134 |
| Noninterest expense to average assets | 2.9437% | 3,156 |
| Loan and lease loss provision to assets | 0.2350% | 1,538 |
| Net operating income to assets | 1.3660% | 1,181 |
| Return on assets (ROA) | 1.3660% | 1,234 |
| Pretax return on assets | 2.2287% | 361 |
| Return on Equity (ROE) | 13.0205% | 1,226 |
| Retained earnings to average equity (ytd only) | 12.7288% | 362 |
| Net charge-offs to loans | 0.4832% | 1,327 |
| Credit loss provision to net charge-offs | 65.3986% | 3,172 |
| Earnings coverage of net charge-offs (x) | 6.8551% | 2,895 |
| Efficiency ratio | 54.4371% | 6,066 |
| Assets per employee ($millions) | 4.3841% | 3,075 |
| Cash dividends to net income (ytd only)* | 2.2404% | 3,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 4,141 |
| Loan loss allowance to noncurrent loans | 132.2845% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.7712% | 4,177 |
| Noncurrent loans to loans | 1.0201% | 3,762 |
| Net loans and leases to total assets | 74.5781% | 1,195 |
| Net loans and leases to deposits | 88.1130% | 1,351 |
| Net loans and leases to core deposits | 108.6853% | 636 |
| Total domestic deposits to total assets | 84.6392% | 3,909 |
| Equity capital to assets | 10.7109% | 3,059 |
| Core capital (leverage) ratio | 10.8035% | 2,664 |
| Tier 1 risk-based capital ratio | 14.5308% | 4,054 |
| Total risk-based capital ratio | 15.7821% | 4,006 |
| Memoranda: | ||
| Average total assets | $204,774,500 | 2,994 |
| Average earning assets | $190,126,500 | 2,972 |
| Average equity | $21,483,500 | 3,019 |
| Average total loans | $152,325,500 | 2,535 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0315% | 175 |
| Cost of funding earning assets | 0.8550% | 1,117 |
| Net interest margin | 5.1765% | 217 |
| Noninterest income to average assets | 0.6009% | 3,184 |
| Noninterest expense to average assets | 3.0526% | 2,825 |
| Loan and lease loss provision to assets | 0.2065% | 1,830 |
| Net operating income to assets | 1.4201% | 1,036 |
| Return on assets (ROA) | 1.4201% | 1,123 |
| Pretax return on assets | 2.1532% | 453 |
| Return on Equity (ROE) | 13.6321% | 1,088 |
| Retained earnings to average equity (ytd only) | 13.5663% | 334 |
| Net charge-offs to loans | 0.4048% | 1,600 |
| Credit loss provision to net charge-offs | 68.9542% | 2,843 |
| Earnings coverage of net charge-offs (x) | 7.8791% | 2,486 |
| Efficiency ratio | 56.4014% | 5,913 |
| Assets per employee ($millions) | 4.1675% | 3,432 |
| Cash dividends to net income (ytd only)* | 0.4824% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 4,027 |
| Loan loss allowance to noncurrent loans | 125.1708% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.8427% | 4,131 |
| Noncurrent loans to loans | 1.1193% | 3,692 |
| Net loans and leases to total assets | 74.2367% | 1,216 |
| Net loans and leases to deposits | 89.9967% | 1,146 |
| Net loans and leases to core deposits | 107.6404% | 657 |
| Total domestic deposits to total assets | 82.4882% | 4,886 |
| Equity capital to assets | 10.3257% | 3,520 |
| Core capital (leverage) ratio | 10.6522% | 2,713 |
| Tier 1 risk-based capital ratio | 14.3332% | 4,204 |
| Total risk-based capital ratio | 15.5854% | 4,155 |
| Memoranda: | ||
| Average total assets | $204,349,000 | 3,013 |
| Average earning assets | $189,936,670 | 2,993 |
| Average equity | $21,288,000 | 3,064 |
| Average total loans | $151,177,000 | 2,554 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1084% | 144 |
| Cost of funding earning assets | 0.8769% | 1,101 |
| Net interest margin | 5.2315% | 189 |
| Noninterest income to average assets | 0.5733% | 3,284 |
| Noninterest expense to average assets | 2.8843% | 3,399 |
| Loan and lease loss provision to assets | 0.2135% | 1,736 |
| Net operating income to assets | 1.5776% | 737 |
| Return on assets (ROA) | 1.5776% | 796 |
| Pretax return on assets | 2.3347% | 335 |
| Return on Equity (ROE) | 15.0751% | 754 |
| Retained earnings to average equity (ytd only) | 15.0751% | 347 |
| Net charge-offs to loans | 0.1699% | 2,385 |
| Credit loss provision to net charge-offs | 171.4286% | 1,230 |
| Earnings coverage of net charge-offs (x) | 20.4603% | 1,184 |
| Efficiency ratio | 53.0932% | 6,296 |
| Assets per employee ($millions) | 4.2841% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 3,570 |
| Loan loss allowance to noncurrent loans | 134.2135% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.9898% | 3,951 |
| Noncurrent loans to loans | 1.1630% | 3,834 |
| Net loans and leases to total assets | 73.2301% | 1,179 |
| Net loans and leases to deposits | 85.7707% | 1,373 |
| Net loans and leases to core deposits | 101.7626% | 839 |
| Total domestic deposits to total assets | 85.3789% | 3,858 |
| Equity capital to assets | 10.6902% | 3,335 |
| Core capital (leverage) ratio | 10.5319% | 2,734 |
| Tier 1 risk-based capital ratio | 14.1725% | 4,383 |
| Total risk-based capital ratio | 15.4264% | 4,343 |
| Memoranda: | ||
| Average total assets | $202,336,500 | 3,072 |
| Average earning assets | $187,937,500 | 3,044 |
| Average equity | $21,174,000 | 3,114 |
| Average total loans | $148,321,500 | 2,607 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7295% | 98 |
| Cost of funding earning assets | 0.9790% | 1,474 |
| Net interest margin | 5.7505% | 117 |
| Noninterest income to average assets | 0.6767% | 2,848 |
| Noninterest expense to average assets | 4.1915% | 775 |
| Loan and lease loss provision to assets | 0.4127% | 1,553 |
| Net operating income to assets | 0.9522% | 2,534 |
| Return on assets (ROA) | 0.9522% | 2,787 |
| Pretax return on assets | 1.4217% | 1,960 |
| Return on Equity (ROE) | 8.3518% | 2,935 |
| Retained earnings to average equity (ytd only) | 0.9961% | 5,380 |
| Net charge-offs to loans | 0.3906% | 2,688 |
| Credit loss provision to net charge-offs | 137.2378% | 2,016 |
| Earnings coverage of net charge-offs (x) | 6.0997% | 2,875 |
| Efficiency ratio | 69.5576% | 3,889 |
| Assets per employee ($millions) | 4.4200% | 3,108 |
| Cash dividends to net income (ytd only)* | 88.0729% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 3,466 |
| Loan loss allowance to noncurrent loans | 130.9537% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 1.0151% | 4,005 |
| Noncurrent loans to loans | 1.1923% | 3,864 |
| Net loans and leases to total assets | 71.1002% | 1,632 |
| Net loans and leases to deposits | 82.5016% | 1,937 |
| Net loans and leases to core deposits | 98.3040% | 1,127 |
| Total domestic deposits to total assets | 86.1804% | 3,265 |
| Equity capital to assets | 10.2415% | 3,838 |
| Core capital (leverage) ratio | 10.3760% | 2,920 |
| Tier 1 risk-based capital ratio | 13.8393% | 4,505 |
| Total risk-based capital ratio | 15.0933% | 4,456 |
| Memoranda: | ||
| Average total assets | $190,192,200 | 3,175 |
| Average earning assets | $176,922,800 | 3,135 |
| Average equity | $21,684,000 | 3,013 |
| Average total loans | $146,438,600 | 2,625 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8081% | 97 |
| Cost of funding earning assets | 1.0032% | 1,535 |
| Net interest margin | 5.8050% | 119 |
| Noninterest income to average assets | 0.6877% | 2,771 |
| Noninterest expense to average assets | 3.2000% | 2,567 |
| Loan and lease loss provision to assets | 0.4216% | 1,514 |
| Net operating income to assets | 1.5793% | 898 |
| Return on assets (ROA) | 1.5793% | 994 |
| Pretax return on assets | 2.4653% | 313 |
| Return on Equity (ROE) | 13.4796% | 1,227 |
| Retained earnings to average equity (ytd only) | 12.8098% | 407 |
| Net charge-offs to loans | 0.3426% | 2,738 |
| Credit loss provision to net charge-offs | 157.1809% | 1,786 |
| Earnings coverage of net charge-offs (x) | 10.7633% | 2,148 |
| Efficiency ratio | 52.5724% | 6,395 |
| Assets per employee ($millions) | 4.5475% | 2,826 |
| Cash dividends to net income (ytd only)* | 4.9683% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 3,821 |
| Loan loss allowance to noncurrent loans | 102.1817% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 1.1759% | 3,940 |
| Noncurrent loans to loans | 1.4970% | 3,542 |
| Net loans and leases to total assets | 77.3525% | 813 |
| Net loans and leases to deposits | 92.4572% | 924 |
| Net loans and leases to core deposits | 114.9870% | 405 |
| Total domestic deposits to total assets | 83.6631% | 4,368 |
| Equity capital to assets | 11.9143% | 2,342 |
| Core capital (leverage) ratio | 11.7148% | 1,834 |
| Tier 1 risk-based capital ratio | 15.1264% | 3,756 |
| Total risk-based capital ratio | 16.3802% | 3,708 |
| Memoranda: | ||
| Average total assets | $186,910,250 | 3,245 |
| Average earning assets | $173,847,250 | 3,210 |
| Average equity | $21,899,250 | 3,010 |
| Average total loans | $146,334,750 | 2,655 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8830% | 90 |
| Cost of funding earning assets | 1.0329% | 1,561 |
| Net interest margin | 5.8502% | 108 |
| Noninterest income to average assets | 0.6791% | 2,777 |
| Noninterest expense to average assets | 3.2035% | 2,573 |
| Loan and lease loss provision to assets | 0.4161% | 1,573 |
| Net operating income to assets | 1.6093% | 821 |
| Return on assets (ROA) | 1.6093% | 916 |
| Pretax return on assets | 2.4932% | 304 |
| Return on Equity (ROE) | 13.8153% | 1,168 |
| Retained earnings to average equity (ytd only) | 12.7975% | 459 |
| Net charge-offs to loans | 0.1902% | 3,442 |
| Credit loss provision to net charge-offs | 279.7101% | 1,051 |
| Earnings coverage of net charge-offs (x) | 19.5580% | 1,432 |
| Efficiency ratio | 52.4070% | 6,470 |
| Assets per employee ($millions) | 4.4543% | 2,989 |
| Cash dividends to net income (ytd only)* | 7.3677% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 3,670 |
| Loan loss allowance to noncurrent loans | 106.8380% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 1.2417% | 3,928 |
| Noncurrent loans to loans | 1.4794% | 3,693 |
| Net loans and leases to total assets | 77.4873% | 783 |
| Net loans and leases to deposits | 94.1123% | 760 |
| Net loans and leases to core deposits | 119.8258% | 317 |
| Total domestic deposits to total assets | 82.3349% | 5,004 |
| Equity capital to assets | 11.7847% | 2,331 |
| Core capital (leverage) ratio | 11.5135% | 1,896 |
| Tier 1 risk-based capital ratio | 14.7775% | 3,910 |
| Total risk-based capital ratio | 16.0316% | 3,876 |
| Memoranda: | ||
| Average total assets | $185,548,000 | 3,271 |
| Average earning assets | $172,337,330 | 3,238 |
| Average equity | $21,613,670 | 3,028 |
| Average total loans | $145,101,000 | 2,683 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9601% | 91 |
| Cost of funding earning assets | 1.0604% | 1,619 |
| Net interest margin | 5.8997% | 112 |
| Noninterest income to average assets | 0.6451% | 2,962 |
| Noninterest expense to average assets | 2.9873% | 3,299 |
| Loan and lease loss provision to assets | 0.3507% | 1,785 |
| Net operating income to assets | 1.8811% | 509 |
| Return on assets (ROA) | 1.8811% | 584 |
| Pretax return on assets | 2.7752% | 236 |
| Return on Equity (ROE) | 16.2453% | 769 |
| Retained earnings to average equity (ytd only) | 15.4040% | 415 |
| Net charge-offs to loans | 0.1361% | 3,290 |
| Credit loss provision to net charge-offs | 330.6122% | 912 |
| Earnings coverage of net charge-offs (x) | 29.4694% | 931 |
| Efficiency ratio | 48.8669% | 6,745 |
| Assets per employee ($millions) | 4.4496% | 3,083 |
| Cash dividends to net income (ytd only)* | 5.1784% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 4,060 |
| Loan loss allowance to noncurrent loans | 116.2248% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 1.0937% | 4,306 |
| Noncurrent loans to loans | 1.3092% | 4,153 |
| Net loans and leases to total assets | 75.9101% | 809 |
| Net loans and leases to deposits | 90.1794% | 949 |
| Net loans and leases to core deposits | 115.0150% | 405 |
| Total domestic deposits to total assets | 84.1767% | 4,411 |
| Equity capital to assets | 11.6346% | 2,316 |
| Core capital (leverage) ratio | 11.4562% | 1,921 |
| Tier 1 risk-based capital ratio | 14.7278% | 3,943 |
| Total risk-based capital ratio | 15.9816% | 3,894 |
| Memoranda: | ||
| Average total assets | $184,781,500 | 3,302 |
| Average earning assets | $171,262,500 | 3,268 |
| Average equity | $21,397,000 | 3,060 |
| Average total loans | $144,005,500 | 2,720 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9087% | 107 |
| Cost of funding earning assets | 1.1838% | 2,142 |
| Net interest margin | 5.7248% | 124 |
| Noninterest income to average assets | 0.7188% | 2,499 |
| Noninterest expense to average assets | 4.1500% | 861 |
| Loan and lease loss provision to assets | 0.5349% | 1,963 |
| Net operating income to assets | 0.9073% | 2,572 |
| Return on assets (ROA) | 0.9073% | 2,695 |
| Pretax return on assets | 1.3516% | 1,947 |
| Return on Equity (ROE) | 7.8687% | 2,979 |
| Retained earnings to average equity (ytd only) | 6.8101% | 1,590 |
| Net charge-offs to loans | 0.5358% | 2,865 |
| Credit loss provision to net charge-offs | 125.9603% | 2,478 |
| Earnings coverage of net charge-offs (x) | 4.4424% | 3,111 |
| Efficiency ratio | 68.7477% | 4,202 |
| Assets per employee ($millions) | 4.3495% | 3,161 |
| Cash dividends to net income (ytd only)* | 13.4532% | 3,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 4,267 |
| Loan loss allowance to noncurrent loans | 125.9080% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.9640% | 4,679 |
| Noncurrent loans to loans | 1.1476% | 4,450 |
| Net loans and leases to total assets | 77.6637% | 747 |
| Net loans and leases to deposits | 91.8535% | 981 |
| Net loans and leases to core deposits | 117.4529% | 410 |
| Total domestic deposits to total assets | 84.5517% | 4,065 |
| Equity capital to assets | 11.5234% | 2,486 |
| Core capital (leverage) ratio | 11.0879% | 2,203 |
| Tier 1 risk-based capital ratio | 14.0475% | 4,296 |
| Total risk-based capital ratio | 15.2999% | 4,244 |
| Memoranda: | ||
| Average total assets | $177,784,000 | 3,369 |
| Average earning assets | $165,140,600 | 3,319 |
| Average equity | $20,499,000 | 3,069 |
| Average total loans | $140,921,600 | 2,770 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5392% | 189 |
| Cost of funding earning assets | 1.2188% | 2,203 |
| Net interest margin | 5.3204% | 238 |
| Noninterest income to average assets | 0.7061% | 2,570 |
| Noninterest expense to average assets | 2.7095% | 4,687 |
| Loan and lease loss provision to assets | 0.5482% | 1,794 |
| Net operating income to assets | 1.5987% | 778 |
| Return on assets (ROA) | 1.5987% | 849 |
| Pretax return on assets | 2.4029% | 292 |
| Return on Equity (ROE) | 13.8628% | 1,063 |
| Retained earnings to average equity (ytd only) | 12.8019% | 401 |
| Net charge-offs to loans | 0.4747% | 2,838 |
| Credit loss provision to net charge-offs | 145.4910% | 2,172 |
| Earnings coverage of net charge-offs (x) | 7.8316% | 2,290 |
| Efficiency ratio | 47.8655% | 6,968 |
| Assets per employee ($millions) | 4.3685% | 3,138 |
| Cash dividends to net income (ytd only)* | 7.6522% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 4,321 |
| Loan loss allowance to noncurrent loans | 104.0947% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 1.1424% | 4,502 |
| Noncurrent loans to loans | 1.3961% | 4,203 |
| Net loans and leases to total assets | 77.9834% | 711 |
| Net loans and leases to deposits | 93.2859% | 898 |
| Net loans and leases to core deposits | 121.7619% | 344 |
| Total domestic deposits to total assets | 83.5961% | 4,434 |
| Equity capital to assets | 11.7820% | 2,423 |
| Core capital (leverage) ratio | 11.5536% | 1,986 |
| Tier 1 risk-based capital ratio | 14.5492% | 3,939 |
| Total risk-based capital ratio | 15.8022% | 3,918 |
| Memoranda: | ||
| Average total assets | $176,560,000 | 3,400 |
| Average earning assets | $164,419,500 | 3,347 |
| Average equity | $20,361,000 | 3,095 |
| Average total loans | $140,163,000 | 2,806 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7270% | 156 |
| Cost of funding earning assets | 1.2508% | 2,245 |
| Net interest margin | 5.4761% | 184 |
| Noninterest income to average assets | 0.7139% | 2,467 |
| Noninterest expense to average assets | 2.9199% | 3,944 |
| Loan and lease loss provision to assets | 0.6037% | 1,597 |
| Net operating income to assets | 1.5208% | 846 |
| Return on assets (ROA) | 1.5208% | 904 |
| Pretax return on assets | 2.2955% | 356 |
| Return on Equity (ROE) | 13.2883% | 1,140 |
| Retained earnings to average equity (ytd only) | 12.6364% | 432 |
| Net charge-offs to loans | 0.4809% | 2,658 |
| Credit loss provision to net charge-offs | 157.9580% | 1,927 |
| Earnings coverage of net charge-offs (x) | 7.5856% | 2,198 |
| Efficiency ratio | 50.1775% | 6,929 |
| Assets per employee ($millions) | 4.2024% | 3,346 |
| Cash dividends to net income (ytd only)* | 4.9057% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 4,314 |
| Loan loss allowance to noncurrent loans | 113.8706% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 1.1065% | 4,677 |
| Noncurrent loans to loans | 1.2776% | 4,530 |
| Net loans and leases to total assets | 79.7083% | 558 |
| Net loans and leases to deposits | 96.4376% | 695 |
| Net loans and leases to core deposits | 127.2463% | 299 |
| Total domestic deposits to total assets | 82.6528% | 4,925 |
| Equity capital to assets | 11.7801% | 2,263 |
| Core capital (leverage) ratio | 11.4803% | 1,923 |
| Tier 1 risk-based capital ratio | 14.4319% | 3,840 |
| Total risk-based capital ratio | 15.6848% | 3,809 |
| Memoranda: | ||
| Average total assets | $174,255,000 | 3,462 |
| Average earning assets | $162,451,000 | 3,396 |
| Average equity | $19,942,330 | 3,135 |
| Average total loans | $138,487,330 | 2,875 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7548% | 150 |
| Cost of funding earning assets | 1.2975% | 2,186 |
| Net interest margin | 5.4573% | 178 |
| Noninterest income to average assets | 0.7024% | 2,565 |
| Noninterest expense to average assets | 2.8418% | 4,295 |
| Loan and lease loss provision to assets | 0.6377% | 1,353 |
| Net operating income to assets | 1.4925% | 887 |
| Return on assets (ROA) | 1.4925% | 932 |
| Pretax return on assets | 2.3150% | 332 |
| Return on Equity (ROE) | 13.2394% | 1,138 |
| Retained earnings to average equity (ytd only) | 13.2394% | 552 |
| Net charge-offs to loans | 0.5779% | 2,042 |
| Credit loss provision to net charge-offs | 140.1015% | 2,001 |
| Earnings coverage of net charge-offs (x) | 6.4873% | 2,093 |
| Efficiency ratio | 49.0431% | 7,059 |
| Assets per employee ($millions) | 4.2318% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 4,529 |
| Loan loss allowance to noncurrent loans | 99.6445% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 1.2645% | 4,420 |
| Noncurrent loans to loans | 1.4334% | 4,319 |
| Net loans and leases to total assets | 78.0384% | 720 |
| Net loans and leases to deposits | 93.2821% | 895 |
| Net loans and leases to core deposits | 123.7560% | 348 |
| Total domestic deposits to total assets | 83.6585% | 4,637 |
| Equity capital to assets | 11.5035% | 2,263 |
| Core capital (leverage) ratio | 11.2825% | 1,968 |
| Tier 1 risk-based capital ratio | 14.3101% | 3,863 |
| Total risk-based capital ratio | 15.5622% | 3,821 |
| Memoranda: | ||
| Average total assets | $173,132,000 | 3,503 |
| Average earning assets | $161,545,500 | 3,433 |
| Average equity | $19,517,500 | 3,185 |
| Average total loans | $136,349,500 | 2,959 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2456% | 106 |
| Cost of funding earning assets | 1.5801% | 2,190 |
| Net interest margin | 5.6656% | 134 |
| Noninterest income to average assets | 0.7713% | 2,420 |
| Noninterest expense to average assets | 3.6471% | 1,812 |
| Loan and lease loss provision to assets | 0.6345% | 2,595 |
| Net operating income to assets | 1.1458% | 1,559 |
| Return on assets (ROA) | 1.0991% | 1,789 |
| Pretax return on assets | 1.6752% | 987 |
| Return on Equity (ROE) | 9.9956% | 1,925 |
| Retained earnings to average equity (ytd only) | 8.7086% | 783 |
| Net charge-offs to loans | 0.6312% | 3,129 |
| Credit loss provision to net charge-offs | 127.6394% | 3,149 |
| Earnings coverage of net charge-offs (x) | 4.7888% | 2,805 |
| Efficiency ratio | 60.5068% | 5,967 |
| Assets per employee ($millions) | 4.2137% | 3,366 |
| Cash dividends to net income (ytd only)* | 12.8755% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 4,552 |
| Loan loss allowance to noncurrent loans | 127.2113% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 1.0147% | 4,971 |
| Noncurrent loans to loans | 1.0943% | 4,911 |
| Net loans and leases to total assets | 77.2478% | 1,058 |
| Net loans and leases to deposits | 91.6838% | 1,297 |
| Net loans and leases to core deposits | 124.8949% | 410 |
| Total domestic deposits to total assets | 84.2545% | 4,240 |
| Equity capital to assets | 11.0418% | 2,651 |
| Core capital (leverage) ratio | 10.8830% | 2,242 |
| Tier 1 risk-based capital ratio | 14.0299% | 3,851 |
| Total risk-based capital ratio | 15.2818% | 3,815 |
| Memoranda: | ||
| Average total assets | $169,588,600 | 3,545 |
| Average earning assets | $157,336,000 | 3,500 |
| Average equity | $18,648,200 | 3,324 |
| Average total loans | $133,545,200 | 3,059 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1850% | 118 |
| Cost of funding earning assets | 1.6295% | 2,219 |
| Net interest margin | 5.5554% | 157 |
| Noninterest income to average assets | 0.7417% | 2,569 |
| Noninterest expense to average assets | 2.7030% | 4,869 |
| Loan and lease loss provision to assets | 0.5735% | 2,645 |
| Net operating income to assets | 1.6825% | 645 |
| Return on assets (ROA) | 1.6825% | 697 |
| Pretax return on assets | 2.6114% | 196 |
| Return on Equity (ROE) | 15.3168% | 805 |
| Retained earnings to average equity (ytd only) | 14.4180% | 245 |
| Net charge-offs to loans | 0.7293% | 2,601 |
| Credit loss provision to net charge-offs | 99.7253% | 4,377 |
| Earnings coverage of net charge-offs (x) | 5.5385% | 2,724 |
| Efficiency ratio | 45.9082% | 7,386 |
| Assets per employee ($millions) | 4.4024% | 3,077 |
| Cash dividends to net income (ytd only)* | 5.8685% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 5,306 |
| Loan loss allowance to noncurrent loans | 84.9923% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 1.2231% | 4,704 |
| Noncurrent loans to loans | 1.4548% | 4,440 |
| Net loans and leases to total assets | 76.6695% | 1,289 |
| Net loans and leases to deposits | 92.9384% | 1,337 |
| Net loans and leases to core deposits | 127.1032% | 431 |
| Total domestic deposits to total assets | 82.4950% | 4,803 |
| Equity capital to assets | 11.5339% | 2,505 |
| Core capital (leverage) ratio | 11.3007% | 2,064 |
| Tier 1 risk-based capital ratio | 14.7549% | 3,366 |
| Total risk-based capital ratio | 16.0053% | 3,353 |
| Memoranda: | ||
| Average total assets | $168,795,500 | 3,608 |
| Average earning assets | $156,359,500 | 3,562 |
| Average equity | $18,541,250 | 3,384 |
| Average total loans | $133,097,000 | 3,121 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0468% | 145 |
| Cost of funding earning assets | 1.6681% | 2,295 |
| Net interest margin | 5.3787% | 207 |
| Noninterest income to average assets | 0.7007% | 2,700 |
| Noninterest expense to average assets | 2.6122% | 5,272 |
| Loan and lease loss provision to assets | 0.5136% | 2,747 |
| Net operating income to assets | 1.6505% | 643 |
| Return on assets (ROA) | 1.6505% | 691 |
| Pretax return on assets | 2.5586% | 214 |
| Return on Equity (ROE) | 15.2864% | 803 |
| Retained earnings to average equity (ytd only) | 14.1275% | 302 |
| Net charge-offs to loans | 0.7231% | 2,414 |
| Credit loss provision to net charge-offs | 89.6050% | 4,434 |
| Earnings coverage of net charge-offs (x) | 5.3597% | 2,686 |
| Efficiency ratio | 45.9539% | 7,444 |
| Assets per employee ($millions) | 4.2860% | 3,240 |
| Cash dividends to net income (ytd only)* | 7.5812% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 5,467 |
| Loan loss allowance to noncurrent loans | 72.9594% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.3927% | 4,393 |
| Noncurrent loans to loans | 1.6419% | 4,245 |
| Net loans and leases to total assets | 78.9486% | 967 |
| Net loans and leases to deposits | 96.7620% | 982 |
| Net loans and leases to core deposits | 128.5720% | 447 |
| Total domestic deposits to total assets | 81.5905% | 5,154 |
| Equity capital to assets | 11.2538% | 2,633 |
| Core capital (leverage) ratio | 11.0148% | 2,231 |
| Tier 1 risk-based capital ratio | 14.2948% | 3,547 |
| Total risk-based capital ratio | 15.5352% | 3,522 |
| Memoranda: | ||
| Average total assets | $167,829,330 | 3,641 |
| Average earning assets | $155,503,000 | 3,609 |
| Average equity | $18,120,670 | 3,445 |
| Average total loans | $133,034,330 | 3,154 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8577% | 209 |
| Cost of funding earning assets | 1.7093% | 2,342 |
| Net interest margin | 5.1484% | 322 |
| Noninterest income to average assets | 0.6945% | 2,637 |
| Noninterest expense to average assets | 2.6973% | 4,919 |
| Loan and lease loss provision to assets | 0.3211% | 3,493 |
| Net operating income to assets | 1.6198% | 719 |
| Return on assets (ROA) | 1.6198% | 767 |
| Pretax return on assets | 2.4404% | 273 |
| Return on Equity (ROE) | 15.3245% | 820 |
| Retained earnings to average equity (ytd only) | 12.9617% | 623 |
| Net charge-offs to loans | 0.4399% | 2,729 |
| Credit loss provision to net charge-offs | 92.4658% | 3,602 |
| Earnings coverage of net charge-offs (x) | 7.9521% | 2,013 |
| Efficiency ratio | 49.4118% | 7,349 |
| Assets per employee ($millions) | 4.3055% | 3,280 |
| Cash dividends to net income (ytd only)* | 15.4185% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 5,345 |
| Loan loss allowance to noncurrent loans | 66.8980% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.4948% | 4,265 |
| Noncurrent loans to loans | 1.8364% | 4,016 |
| Net loans and leases to total assets | 78.4783% | 1,064 |
| Net loans and leases to deposits | 94.9224% | 1,240 |
| Net loans and leases to core deposits | 127.5268% | 549 |
| Total domestic deposits to total assets | 82.6763% | 4,766 |
| Equity capital to assets | 10.7579% | 2,993 |
| Core capital (leverage) ratio | 10.6201% | 2,523 |
| Tier 1 risk-based capital ratio | 13.6476% | 3,896 |
| Total risk-based capital ratio | 14.8980% | 3,855 |
| Memoranda: | ||
| Average total assets | $168,167,500 | 3,692 |
| Average earning assets | $155,620,000 | 3,655 |
| Average equity | $17,775,500 | 3,524 |
| Average total loans | $132,769,000 | 3,204 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2055% | 206 |
| Cost of funding earning assets | 2.2818% | 1,722 |
| Net interest margin | 4.9237% | 531 |
| Noninterest income to average assets | 0.6663% | 3,181 |
| Noninterest expense to average assets | 3.3739% | 2,762 |
| Loan and lease loss provision to assets | 0.4262% | 4,271 |
| Net operating income to assets | 0.9418% | 2,040 |
| Return on assets (ROA) | 0.9418% | 2,094 |
| Pretax return on assets | 1.4140% | 1,395 |
| Return on Equity (ROE) | 8.9353% | 2,049 |
| Retained earnings to average equity (ytd only) | 6.9340% | 985 |
| Net charge-offs to loans | 0.6077% | 3,397 |
| Credit loss provision to net charge-offs | 88.9896% | 6,043 |
| Earnings coverage of net charge-offs (x) | 3.8420% | 3,177 |
| Efficiency ratio | 64.7073% | 5,643 |
| Assets per employee ($millions) | 4.3185% | 3,245 |
| Cash dividends to net income (ytd only)* | 22.3979% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 5,063 |
| Loan loss allowance to noncurrent loans | 79.6717% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.4583% | 4,222 |
| Noncurrent loans to loans | 1.5675% | 4,301 |
| Net loans and leases to total assets | 77.4684% | 1,489 |
| Net loans and leases to deposits | 93.1750% | 1,715 |
| Net loans and leases to core deposits | 150.5400% | 499 |
| Total domestic deposits to total assets | 83.1428% | 4,462 |
| Equity capital to assets | 10.3829% | 3,309 |
| Core capital (leverage) ratio | 10.2275% | 2,855 |
| Tier 1 risk-based capital ratio | 13.7021% | 3,683 |
| Total risk-based capital ratio | 14.9526% | 3,621 |
| Memoranda: | ||
| Average total assets | $161,178,200 | 3,747 |
| Average earning assets | $148,872,800 | 3,737 |
| Average equity | $16,988,800 | 3,674 |
| Average total loans | $127,040,600 | 3,328 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2730% | 199 |
| Cost of funding earning assets | 2.3975% | 1,642 |
| Net interest margin | 4.8755% | 585 |
| Noninterest income to average assets | 0.6475% | 3,360 |
| Noninterest expense to average assets | 2.5324% | 5,961 |
| Loan and lease loss provision to assets | 0.5706% | 3,103 |
| Net operating income to assets | 1.3294% | 1,160 |
| Return on assets (ROA) | 1.3294% | 1,225 |
| Pretax return on assets | 2.0531% | 490 |
| Return on Equity (ROE) | 12.5627% | 1,218 |
| Retained earnings to average equity (ytd only) | 10.7048% | 514 |
| Net charge-offs to loans | 0.6085% | 2,851 |
| Credit loss provision to net charge-offs | 118.8153% | 4,267 |
| Earnings coverage of net charge-offs (x) | 5.4634% | 2,814 |
| Efficiency ratio | 49.1157% | 7,615 |
| Assets per employee ($millions) | 4.5324% | 2,814 |
| Cash dividends to net income (ytd only)* | 14.7894% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 3,829 |
| Loan loss allowance to noncurrent loans | 77.2327% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.4997% | 4,116 |
| Noncurrent loans to loans | 1.8406% | 3,854 |
| Net loans and leases to total assets | 76.1699% | 1,966 |
| Net loans and leases to deposits | 93.4044% | 1,985 |
| Net loans and leases to core deposits | 151.6274% | 548 |
| Total domestic deposits to total assets | 81.5486% | 4,856 |
| Equity capital to assets | 10.6237% | 3,379 |
| Core capital (leverage) ratio | 10.5826% | 2,730 |
| Tier 1 risk-based capital ratio | 14.2287% | 3,422 |
| Total risk-based capital ratio | 15.4575% | 3,386 |
| Memoranda: | ||
| Average total assets | $159,367,500 | 3,806 |
| Average earning assets | $147,373,000 | 3,772 |
| Average equity | $16,864,250 | 3,731 |
| Average total loans | $125,770,000 | 3,388 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4340% | 171 |
| Cost of funding earning assets | 2.5210% | 1,541 |
| Net interest margin | 4.9131% | 523 |
| Noninterest income to average assets | 0.6424% | 3,395 |
| Noninterest expense to average assets | 2.6477% | 5,568 |
| Loan and lease loss provision to assets | 0.6693% | 2,430 |
| Net operating income to assets | 1.1712% | 1,560 |
| Return on assets (ROA) | 1.1712% | 1,639 |
| Pretax return on assets | 1.8558% | 762 |
| Return on Equity (ROE) | 11.0836% | 1,681 |
| Retained earnings to average equity (ytd only) | 9.4519% | 826 |
| Net charge-offs to loans | 0.6843% | 2,335 |
| Credit loss provision to net charge-offs | 123.0047% | 3,781 |
| Earnings coverage of net charge-offs (x) | 4.6408% | 3,046 |
| Efficiency ratio | 51.1852% | 7,576 |
| Assets per employee ($millions) | 4.3751% | 2,980 |
| Cash dividends to net income (ytd only)* | 14.7219% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 3,582 |
| Loan loss allowance to noncurrent loans | 90.0295% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 1.4122% | 4,131 |
| Noncurrent loans to loans | 1.5874% | 4,116 |
| Net loans and leases to total assets | 78.0980% | 1,722 |
| Net loans and leases to deposits | 95.9415% | 1,807 |
| Net loans and leases to core deposits | 155.8417% | 527 |
| Total domestic deposits to total assets | 81.4017% | 4,926 |
| Equity capital to assets | 10.4769% | 3,431 |
| Core capital (leverage) ratio | 10.6746% | 2,684 |
| Tier 1 risk-based capital ratio | 14.0152% | 3,514 |
| Total risk-based capital ratio | 15.2685% | 3,451 |
| Memoranda: | ||
| Average total assets | $156,590,000 | 3,887 |
| Average earning assets | $144,389,670 | 3,853 |
| Average equity | $16,547,000 | 3,804 |
| Average total loans | $124,500,330 | 3,448 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6045% | 151 |
| Cost of funding earning assets | 2.6433% | 1,436 |
| Net interest margin | 4.9612% | 444 |
| Noninterest income to average assets | 0.6600% | 3,136 |
| Noninterest expense to average assets | 2.6841% | 5,079 |
| Loan and lease loss provision to assets | 1.2082% | 1,070 |
| Net operating income to assets | 0.8834% | 2,774 |
| Return on assets (ROA) | 0.8834% | 2,920 |
| Pretax return on assets | 1.3226% | 2,205 |
| Return on Equity (ROE) | 8.3229% | 2,997 |
| Retained earnings to average equity (ytd only) | 7.7109% | 1,922 |
| Net charge-offs to loans | 0.9525% | 1,399 |
| Credit loss provision to net charge-offs | 159.2466% | 2,657 |
| Earnings coverage of net charge-offs (x) | 3.3356% | 3,210 |
| Efficiency ratio | 51.4699% | 7,471 |
| Assets per employee ($millions) | 4.1674% | 3,327 |
| Cash dividends to net income (ytd only)* | 7.3529% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5405% | 2,765 |
| Loan loss allowance to noncurrent loans | 87.0835% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.7089% | 3,356 |
| Noncurrent loans to loans | 1.7690% | 3,612 |
| Net loans and leases to total assets | 79.0887% | 1,563 |
| Net loans and leases to deposits | 97.9841% | 1,669 |
| Net loans and leases to core deposits | 154.7825% | 587 |
| Total domestic deposits to total assets | 80.7159% | 5,084 |
| Equity capital to assets | 10.7157% | 3,276 |
| Core capital (leverage) ratio | 10.5545% | 2,866 |
| Tier 1 risk-based capital ratio | 14.1523% | 3,503 |
| Total risk-based capital ratio | 15.4073% | 3,427 |
| Memoranda: | ||
| Average total assets | $153,945,000 | 3,943 |
| Average earning assets | $141,338,000 | 3,927 |
| Average equity | $16,340,500 | 3,877 |
| Average total loans | $122,621,500 | 3,504 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8416% | 230 |
| Cost of funding earning assets | 3.3825% | 733 |
| Net interest margin | 4.4591% | 1,517 |
| Noninterest income to average assets | 0.6304% | 3,630 |
| Noninterest expense to average assets | 2.9760% | 4,166 |
| Loan and lease loss provision to assets | 0.4120% | 3,224 |
| Net operating income to assets | 0.9459% | 2,806 |
| Return on assets (ROA) | 0.9459% | 2,665 |
| Pretax return on assets | 1.3599% | 2,093 |
| Return on Equity (ROE) | 9.2111% | 2,565 |
| Retained earnings to average equity (ytd only) | 5.3387% | 1,839 |
| Net charge-offs to loans | 0.5306% | 2,237 |
| Credit loss provision to net charge-offs | 100.4769% | 5,276 |
| Earnings coverage of net charge-offs (x) | 4.3211% | 4,024 |
| Efficiency ratio | 62.6802% | 5,831 |
| Assets per employee ($millions) | 4.1539% | 3,202 |
| Cash dividends to net income (ytd only)* | 42.0400% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 3,028 |
| Loan loss allowance to noncurrent loans | 99.0297% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.6246% | 2,996 |
| Noncurrent loans to loans | 1.4433% | 3,636 |
| Net loans and leases to total assets | 77.8485% | 2,182 |
| Net loans and leases to deposits | 98.0312% | 2,124 |
| Net loans and leases to core deposits | 152.8078% | 755 |
| Total domestic deposits to total assets | 79.4120% | 5,235 |
| Equity capital to assets | 10.5130% | 3,488 |
| Core capital (leverage) ratio | 10.3625% | 3,107 |
| Tier 1 risk-based capital ratio | 14.1544% | 3,474 |
| Total risk-based capital ratio | 15.4076% | 3,391 |
| Memoranda: | ||
| Average total assets | $153,392,200 | 3,836 |
| Average earning assets | $141,642,400 | 3,811 |
| Average equity | $15,752,800 | 3,983 |
| Average total loans | $118,539,000 | 3,501 |