Home > F & M Bank > Performance and Condition Ratios
F & M 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 | 5.0512% | 1,973 |
| Cost of funding earning assets | 1.1103% | 3,039 |
| Net interest margin | 3.9409% | 1,290 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.5578% | 2,135 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.6866% | 753 |
| Return on assets (ROA) | 1.6515% | 761 |
| Pretax return on assets | 1.7144% | 1,040 |
| Return on Equity (ROE) | 16.9800% | 951 |
| Retained earnings to average equity (ytd only) | 12.6703% | 549 |
| Net charge-offs to loans | -0.0632% | 4,423 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.1757% | 3,281 |
| Assets per employee ($millions) | 6.7088% | 2,268 |
| Cash dividends to net income (ytd only)* | 25.3657% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,018 |
| Loan loss allowance to noncurrent loans | 113.7750% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.7506% | 688 |
| Noncurrent loans to loans | 1.0983% | 668 |
| Net loans and leases to total assets | 67.4900% | 2,092 |
| Net loans and leases to deposits | 77.9415% | 2,267 |
| Net loans and leases to core deposits | 93.0333% | 1,841 |
| Total domestic deposits to total assets | 86.5900% | 1,821 |
| Equity capital to assets | 9.8645% | 2,085 |
| Core capital (leverage) ratio | 11.5409% | 1,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $682,971,600 | 1,328 |
| Average earning assets | $647,469,000 | 1,306 |
| Average equity | $66,438,800 | 1,300 |
| Average total loans | $451,019,600 | 1,343 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0339% | 1,766 |
| Cost of funding earning assets | 1.0084% | 3,009 |
| Net interest margin | 4.0255% | 1,181 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.5771% | 2,009 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.7840% | 689 |
| Return on assets (ROA) | 1.7668% | 693 |
| Pretax return on assets | 1.8355% | 949 |
| Return on Equity (ROE) | 18.2300% | 922 |
| Retained earnings to average equity (ytd only) | 14.3755% | 630 |
| Net charge-offs to loans | -0.1024% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.0125% | 3,312 |
| Assets per employee ($millions) | 6.2048% | 2,560 |
| Cash dividends to net income (ytd only)* | 21.1547% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 1,438 |
| Loan loss allowance to noncurrent loans | 317.8279% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.2913% | 1,841 |
| Noncurrent loans to loans | 0.4408% | 1,729 |
| Net loans and leases to total assets | 65.1600% | 2,329 |
| Net loans and leases to deposits | 75.0786% | 2,490 |
| Net loans and leases to core deposits | 85.8109% | 2,197 |
| Total domestic deposits to total assets | 86.7900% | 1,953 |
| Equity capital to assets | 10.1543% | 1,736 |
| Core capital (leverage) ratio | 11.3334% | 1,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $669,222,250 | 1,348 |
| Average earning assets | $636,754,250 | 1,314 |
| Average equity | $64,849,250 | 1,308 |
| Average total loans | $437,692,500 | 1,368 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8549% | 1,873 |
| Cost of funding earning assets | 0.8663% | 3,035 |
| Net interest margin | 3.9886% | 1,267 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 2.5632% | 2,022 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.7846% | 678 |
| Return on assets (ROA) | 1.7832% | 677 |
| Pretax return on assets | 1.8633% | 910 |
| Return on Equity (ROE) | 18.7000% | 872 |
| Retained earnings to average equity (ytd only) | 15.1888% | 544 |
| Net charge-offs to loans | -0.1427% | 4,563 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.7373% | 3,330 |
| Assets per employee ($millions) | 6.1167% | 2,610 |
| Cash dividends to net income (ytd only)* | 18.7793% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 1,803 |
| Loan loss allowance to noncurrent loans | 909.2006% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 2,854 |
| Noncurrent loans to loans | 0.1461% | 2,732 |
| Net loans and leases to total assets | 65.3400% | 2,228 |
| Net loans and leases to deposits | 75.6419% | 2,348 |
| Net loans and leases to core deposits | 83.8939% | 2,217 |
| Total domestic deposits to total assets | 86.3800% | 2,122 |
| Equity capital to assets | 9.6098% | 2,088 |
| Core capital (leverage) ratio | 11.1372% | 1,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $668,922,000 | 1,350 |
| Average earning assets | $637,915,333 | 1,311 |
| Average equity | $63,783,667 | 1,325 |
| Average total loans | $435,977,333 | 1,356 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6502% | 1,967 |
| Cost of funding earning assets | 0.6522% | 3,213 |
| Net interest margin | 3.9980% | 1,267 |
| Noninterest income to average assets | 0.7400% | 989 |
| Noninterest expense to average assets | 2.5513% | 2,105 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.8491% | 619 |
| Return on assets (ROA) | 1.8491% | 607 |
| Pretax return on assets | 1.9181% | 886 |
| Return on Equity (ROE) | 19.4700% | 818 |
| Retained earnings to average equity (ytd only) | 19.4715% | 407 |
| Net charge-offs to loans | -0.3306% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.9464% | 3,414 |
| Assets per employee ($millions) | 6.1872% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 1,857 |
| Loan loss allowance to noncurrent loans | 1,031.5331% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 2,950 |
| Noncurrent loans to loans | 0.1299% | 2,862 |
| Net loans and leases to total assets | 64.6500% | 2,187 |
| Net loans and leases to deposits | 75.6382% | 2,153 |
| Net loans and leases to core deposits | 81.8133% | 2,132 |
| Total domestic deposits to total assets | 85.4700% | 2,733 |
| Equity capital to assets | 9.6363% | 2,042 |
| Core capital (leverage) ratio | 10.9384% | 1,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $660,846,500 | 1,385 |
| Average earning assets | $631,712,000 | 1,337 |
| Average equity | $62,758,500 | 1,351 |
| Average total loans | $427,131,000 | 1,395 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 1,911 |
| Cost of funding earning assets | 0.2328% | 3,487 |
| Net interest margin | 3.6969% | 1,386 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 2.6832% | 1,595 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.5613% | 757 |
| Return on assets (ROA) | 1.5539% | 739 |
| Pretax return on assets | 1.6155% | 1,132 |
| Return on Equity (ROE) | 16.6400% | 931 |
| Retained earnings to average equity (ytd only) | 11.0383% | 878 |
| Net charge-offs to loans | 0.1047% | 712 |
| Credit loss provision to net charge-offs | 146.6993% | 1,315 |
| Earnings coverage of net charge-offs (x) | 27.0831% | 1,739 |
| Efficiency ratio | 60.3592% | 3,002 |
| Assets per employee ($millions) | 5.8844% | 2,866 |
| Cash dividends to net income (ytd only)* | 33.6524% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 1,833 |
| Loan loss allowance to noncurrent loans | 861.2083% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 2,863 |
| Noncurrent loans to loans | 0.1525% | 2,734 |
| Net loans and leases to total assets | 62.8700% | 2,344 |
| Net loans and leases to deposits | 73.9936% | 2,259 |
| Net loans and leases to core deposits | 77.8705% | 2,289 |
| Total domestic deposits to total assets | 84.9600% | 2,999 |
| Equity capital to assets | 9.3512% | 2,110 |
| Core capital (leverage) ratio | 10.8544% | 1,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $645,416,600 | 1,392 |
| Average earning assets | $613,019,800 | 1,364 |
| Average equity | $60,281,200 | 1,396 |
| Average total loans | $390,499,600 | 1,427 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8022% | 1,756 |
| Cost of funding earning assets | 0.1748% | 3,569 |
| Net interest margin | 3.6275% | 1,325 |
| Noninterest income to average assets | 0.9600% | 728 |
| Noninterest expense to average assets | 2.6862% | 1,501 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.5525% | 736 |
| Return on assets (ROA) | 1.5525% | 718 |
| Pretax return on assets | 1.6143% | 1,085 |
| Return on Equity (ROE) | 16.6300% | 868 |
| Retained earnings to average equity (ytd only) | 10.7604% | 1,116 |
| Net charge-offs to loans | 0.0956% | 649 |
| Credit loss provision to net charge-offs | 163.0435% | 1,088 |
| Earnings coverage of net charge-offs (x) | 29.9239% | 1,520 |
| Efficiency ratio | 60.5091% | 3,052 |
| Assets per employee ($millions) | 6.0739% | 2,693 |
| Cash dividends to net income (ytd only)* | 35.2863% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 1,865 |
| Loan loss allowance to noncurrent loans | 989.0110% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 3,081 |
| Noncurrent loans to loans | 0.1350% | 2,962 |
| Net loans and leases to total assets | 61.4000% | 2,365 |
| Net loans and leases to deposits | 70.0329% | 2,358 |
| Net loans and leases to core deposits | 73.4367% | 2,391 |
| Total domestic deposits to total assets | 87.6800% | 2,523 |
| Equity capital to assets | 8.8163% | 2,341 |
| Core capital (leverage) ratio | 10.5896% | 2,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $644,950,000 | 1,388 |
| Average earning assets | $611,135,000 | 1,375 |
| Average equity | $60,219,250 | 1,419 |
| Average total loans | $385,040,750 | 1,434 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6419% | 1,714 |
| Cost of funding earning assets | 0.1589% | 3,466 |
| Net interest margin | 3.4830% | 1,362 |
| Noninterest income to average assets | 0.9880% | 691 |
| Noninterest expense to average assets | 2.7054% | 1,378 |
| Loan and lease loss provision to assets | 0.0933% | 1,064 |
| Net operating income to assets | 1.4320% | 833 |
| Return on assets (ROA) | 1.4320% | 818 |
| Pretax return on assets | 1.4880% | 1,206 |
| Return on Equity (ROE) | 15.0540% | 878 |
| Retained earnings to average equity (ytd only) | 8.7624% | 1,354 |
| Net charge-offs to loans | -0.0037% | 3,256 |
| Credit loss provision to net charge-offs | -4,285.7143% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4601% | 2,987 |
| Assets per employee ($millions) | 5.8454% | 2,877 |
| Cash dividends to net income (ytd only)* | 41.7933% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 1,843 |
| Loan loss allowance to noncurrent loans | 1,111.0442% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 3,195 |
| Noncurrent loans to loans | 0.1241% | 3,101 |
| Net loans and leases to total assets | 62.1159% | 2,116 |
| Net loans and leases to deposits | 70.7315% | 2,137 |
| Net loans and leases to core deposits | 74.0332% | 2,167 |
| Total domestic deposits to total assets | 87.8193% | 2,646 |
| Equity capital to assets | 8.9533% | 2,409 |
| Core capital (leverage) ratio | 10.2489% | 2,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $643,296,000 | 1,397 |
| Average earning assets | $609,241,000 | 1,385 |
| Average equity | $61,193,000 | 1,417 |
| Average total loans | $378,563,000 | 1,446 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5475% | 1,649 |
| Cost of funding earning assets | 0.1547% | 3,435 |
| Net interest margin | 3.3928% | 1,315 |
| Noninterest income to average assets | 0.9710% | 722 |
| Noninterest expense to average assets | 2.6988% | 1,366 |
| Loan and lease loss provision to assets | 0.0928% | 892 |
| Net operating income to assets | 1.3503% | 901 |
| Return on assets (ROA) | 1.3503% | 887 |
| Pretax return on assets | 1.3961% | 1,266 |
| Return on Equity (ROE) | 13.7956% | 873 |
| Retained earnings to average equity (ytd only) | 9.2118% | 1,211 |
| Net charge-offs to loans | -0.0022% | 3,120 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7801% | 3,052 |
| Assets per employee ($millions) | 6.0445% | 2,768 |
| Cash dividends to net income (ytd only)* | 33.2264% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 1,828 |
| Loan loss allowance to noncurrent loans | 1,030.2682% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 3,276 |
| Noncurrent loans to loans | 0.1380% | 3,118 |
| Net loans and leases to total assets | 57.1283% | 2,404 |
| Net loans and leases to deposits | 65.3897% | 2,395 |
| Net loans and leases to core deposits | 68.5636% | 2,411 |
| Total domestic deposits to total assets | 87.3659% | 2,793 |
| Equity capital to assets | 9.3241% | 2,423 |
| Core capital (leverage) ratio | 10.1889% | 2,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $646,367,000 | 1,395 |
| Average earning assets | $612,823,500 | 1,385 |
| Average equity | $63,266,500 | 1,426 |
| Average total loans | $367,191,000 | 1,468 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7121% | 2,077 |
| Cost of funding earning assets | 0.2190% | 3,272 |
| Net interest margin | 3.4931% | 1,756 |
| Noninterest income to average assets | 1.4287% | 550 |
| Noninterest expense to average assets | 2.9417% | 1,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7279% | 596 |
| Return on assets (ROA) | 1.7265% | 619 |
| Pretax return on assets | 1.7958% | 920 |
| Return on Equity (ROE) | 16.7008% | 643 |
| Retained earnings to average equity (ytd only) | 12.2422% | 511 |
| Net charge-offs to loans | 0.0105% | 2,168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 303.2778% | 406 |
| Efficiency ratio | 61.4527% | 2,940 |
| Assets per employee ($millions) | 5.7651% | 2,994 |
| Cash dividends to net income (ytd only)* | 26.6972% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 1,673 |
| Loan loss allowance to noncurrent loans | 939.9281% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 3,331 |
| Noncurrent loans to loans | 0.1561% | 3,151 |
| Net loans and leases to total assets | 54.8251% | 2,747 |
| Net loans and leases to deposits | 63.6507% | 2,715 |
| Net loans and leases to core deposits | 67.3818% | 2,701 |
| Total domestic deposits to total assets | 86.1343% | 2,855 |
| Equity capital to assets | 10.2613% | 2,414 |
| Core capital (leverage) ratio | 10.2106% | 2,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $607,465,200 | 1,434 |
| Average earning assets | $575,684,400 | 1,423 |
| Average equity | $62,799,400 | 1,459 |
| Average total loans | $344,023,800 | 1,541 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7793% | 2,062 |
| Cost of funding earning assets | 0.2378% | 3,234 |
| Net interest margin | 3.5415% | 1,756 |
| Noninterest income to average assets | 1.5034% | 545 |
| Noninterest expense to average assets | 2.9765% | 1,012 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8044% | 660 |
| Return on assets (ROA) | 1.8044% | 688 |
| Pretax return on assets | 1.8829% | 979 |
| Return on Equity (ROE) | 17.4193% | 704 |
| Retained earnings to average equity (ytd only) | 11.4060% | 967 |
| Net charge-offs to loans | 0.0145% | 1,801 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 228.7568% | 515 |
| Efficiency ratio | 60.6391% | 2,891 |
| Assets per employee ($millions) | 5.4384% | 3,267 |
| Cash dividends to net income (ytd only)* | 34.5210% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 1,762 |
| Loan loss allowance to noncurrent loans | 1,140.8297% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 3,613 |
| Noncurrent loans to loans | 0.1284% | 3,459 |
| Net loans and leases to total assets | 56.6728% | 2,653 |
| Net loans and leases to deposits | 66.6630% | 2,572 |
| Net loans and leases to core deposits | 71.0591% | 2,507 |
| Total domestic deposits to total assets | 85.0139% | 3,109 |
| Equity capital to assets | 10.4556% | 2,483 |
| Core capital (leverage) ratio | 9.9600% | 2,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $599,349,000 | 1,466 |
| Average earning assets | $567,953,500 | 1,453 |
| Average equity | $62,083,000 | 1,491 |
| Average total loans | $341,012,750 | 1,584 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7017% | 2,328 |
| Cost of funding earning assets | 0.2626% | 3,165 |
| Net interest margin | 3.4391% | 2,036 |
| Noninterest income to average assets | 1.6244% | 467 |
| Noninterest expense to average assets | 2.9878% | 1,008 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8188% | 686 |
| Return on assets (ROA) | 1.8188% | 722 |
| Pretax return on assets | 1.8948% | 1,031 |
| Return on Equity (ROE) | 17.6165% | 697 |
| Retained earnings to average equity (ytd only) | 10.6686% | 1,202 |
| Net charge-offs to loans | 0.0125% | 1,704 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 267.2857% | 409 |
| Efficiency ratio | 60.5711% | 2,933 |
| Assets per employee ($millions) | 5.4823% | 3,145 |
| Cash dividends to net income (ytd only)* | 39.4395% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 1,415 |
| Loan loss allowance to noncurrent loans | 811.3003% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 3,517 |
| Noncurrent loans to loans | 0.1914% | 3,271 |
| Net loans and leases to total assets | 54.6131% | 3,061 |
| Net loans and leases to deposits | 63.5739% | 3,043 |
| Net loans and leases to core deposits | 67.8113% | 2,976 |
| Total domestic deposits to total assets | 85.9050% | 2,772 |
| Equity capital to assets | 10.2649% | 2,608 |
| Core capital (leverage) ratio | 9.7688% | 2,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $592,473,333 | 1,476 |
| Average earning assets | $561,312,667 | 1,456 |
| Average equity | $61,170,000 | 1,501 |
| Average total loans | $335,822,667 | 1,610 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7232% | 2,303 |
| Cost of funding earning assets | 0.2901% | 3,098 |
| Net interest margin | 3.4331% | 2,014 |
| Noninterest income to average assets | 1.7206% | 480 |
| Noninterest expense to average assets | 3.0053% | 981 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8917% | 675 |
| Return on assets (ROA) | 1.8917% | 724 |
| Pretax return on assets | 1.9636% | 1,009 |
| Return on Equity (ROE) | 18.2676% | 698 |
| Retained earnings to average equity (ytd only) | 12.8151% | 958 |
| Net charge-offs to loans | 0.0096% | 1,574 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 358.6250% | 258 |
| Efficiency ratio | 59.8623% | 3,052 |
| Assets per employee ($millions) | 5.4200% | 3,197 |
| Cash dividends to net income (ytd only)* | 29.8480% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 1,449 |
| Loan loss allowance to noncurrent loans | 1,022.1790% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 3,773 |
| Noncurrent loans to loans | 0.1509% | 3,572 |
| Net loans and leases to total assets | 55.2296% | 3,126 |
| Net loans and leases to deposits | 65.0531% | 3,021 |
| Net loans and leases to core deposits | 69.2641% | 2,937 |
| Total domestic deposits to total assets | 84.8993% | 3,144 |
| Equity capital to assets | 10.0203% | 2,689 |
| Core capital (leverage) ratio | 10.0488% | 2,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $584,443,500 | 1,483 |
| Average earning assets | $552,970,500 | 1,465 |
| Average equity | $60,522,500 | 1,508 |
| Average total loans | $334,944,000 | 1,611 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 1,897 |
| Cost of funding earning assets | 0.4631% | 3,200 |
| Net interest margin | 3.8266% | 1,429 |
| Noninterest income to average assets | 1.6431% | 464 |
| Noninterest expense to average assets | 3.2395% | 986 |
| Loan and lease loss provision to assets | 0.1050% | 3,020 |
| Net operating income to assets | 1.8230% | 367 |
| Return on assets (ROA) | 1.8230% | 397 |
| Pretax return on assets | 1.9040% | 548 |
| Return on Equity (ROE) | 17.2079% | 390 |
| Retained earnings to average equity (ytd only) | 12.5686% | 272 |
| Net charge-offs to loans | 0.0047% | 3,185 |
| Credit loss provision to net charge-offs | 3,437.5000% | 295 |
| Earnings coverage of net charge-offs (x) | 657.8125% | 174 |
| Efficiency ratio | 61.0721% | 3,298 |
| Assets per employee ($millions) | 5.1546% | 3,220 |
| Cash dividends to net income (ytd only)* | 26.9605% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 1,305 |
| Loan loss allowance to noncurrent loans | 954.9909% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 3,821 |
| Noncurrent loans to loans | 0.1673% | 3,608 |
| Net loans and leases to total assets | 57.6859% | 3,123 |
| Net loans and leases to deposits | 67.2098% | 3,161 |
| Net loans and leases to core deposits | 71.7739% | 3,098 |
| Total domestic deposits to total assets | 85.8295% | 2,442 |
| Equity capital to assets | 10.7178% | 2,504 |
| Core capital (leverage) ratio | 10.5771% | 2,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $523,903,000 | 1,482 |
| Average earning assets | $493,621,600 | 1,471 |
| Average equity | $55,503,600 | 1,547 |
| Average total loans | $337,490,200 | 1,550 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3672% | 1,938 |
| Cost of funding earning assets | 0.5131% | 3,148 |
| Net interest margin | 3.8541% | 1,468 |
| Noninterest income to average assets | 1.4919% | 530 |
| Noninterest expense to average assets | 3.2163% | 1,050 |
| Loan and lease loss provision to assets | 0.1036% | 3,026 |
| Net operating income to assets | 1.7327% | 536 |
| Return on assets (ROA) | 1.7327% | 598 |
| Pretax return on assets | 1.8011% | 775 |
| Return on Equity (ROE) | 16.4070% | 502 |
| Retained earnings to average equity (ytd only) | 10.0872% | 743 |
| Net charge-offs to loans | 0.0067% | 2,886 |
| Credit loss provision to net charge-offs | 2,352.9412% | 421 |
| Earnings coverage of net charge-offs (x) | 432.2941% | 263 |
| Efficiency ratio | 62.1267% | 3,054 |
| Assets per employee ($millions) | 4.9079% | 3,367 |
| Cash dividends to net income (ytd only)* | 38.5191% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 1,496 |
| Loan loss allowance to noncurrent loans | 891.9721% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 3,892 |
| Noncurrent loans to loans | 0.1639% | 3,730 |
| Net loans and leases to total assets | 64.9862% | 2,641 |
| Net loans and leases to deposits | 76.7658% | 2,683 |
| Net loans and leases to core deposits | 82.4328% | 2,628 |
| Total domestic deposits to total assets | 84.6551% | 2,570 |
| Equity capital to assets | 10.8568% | 2,514 |
| Core capital (leverage) ratio | 10.0805% | 2,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $514,416,250 | 1,487 |
| Average earning assets | $484,388,250 | 1,468 |
| Average equity | $54,325,000 | 1,563 |
| Average total loans | $339,520,250 | 1,530 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4044% | 2,196 |
| Cost of funding earning assets | 0.5479% | 3,252 |
| Net interest margin | 3.8565% | 1,675 |
| Noninterest income to average assets | 1.2785% | 625 |
| Noninterest expense to average assets | 3.0711% | 1,422 |
| Loan and lease loss provision to assets | 0.0982% | 3,052 |
| Net operating income to assets | 1.6646% | 658 |
| Return on assets (ROA) | 1.6646% | 718 |
| Pretax return on assets | 1.7278% | 937 |
| Return on Equity (ROE) | 15.9171% | 580 |
| Retained earnings to average equity (ytd only) | 13.2880% | 330 |
| Net charge-offs to loans | -0.0071% | 4,107 |
| Credit loss provision to net charge-offs | -2,083.3333% | 3,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9907% | 3,128 |
| Assets per employee ($millions) | 5.0830% | 3,080 |
| Cash dividends to net income (ytd only)* | 16.5172% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 1,516 |
| Loan loss allowance to noncurrent loans | 948.6692% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 4,048 |
| Noncurrent loans to loans | 0.1497% | 3,858 |
| Net loans and leases to total assets | 63.6676% | 2,924 |
| Net loans and leases to deposits | 74.4827% | 3,030 |
| Net loans and leases to core deposits | 79.9984% | 2,944 |
| Total domestic deposits to total assets | 85.4796% | 2,213 |
| Equity capital to assets | 10.4420% | 2,797 |
| Core capital (leverage) ratio | 9.9002% | 2,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $509,203,667 | 1,477 |
| Average earning assets | $477,791,333 | 1,464 |
| Average equity | $53,251,000 | 1,576 |
| Average total loans | $336,169,333 | 1,529 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5660% | 2,112 |
| Cost of funding earning assets | 0.5883% | 3,490 |
| Net interest margin | 3.9776% | 1,451 |
| Noninterest income to average assets | 1.2621% | 551 |
| Noninterest expense to average assets | 3.0700% | 1,717 |
| Loan and lease loss provision to assets | 0.0813% | 2,686 |
| Net operating income to assets | 1.7485% | 458 |
| Return on assets (ROA) | 1.7485% | 502 |
| Pretax return on assets | 1.8111% | 681 |
| Return on Equity (ROE) | 16.7054% | 364 |
| Retained earnings to average equity (ytd only) | 11.2664% | 533 |
| Net charge-offs to loans | -0.0024% | 3,688 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1275% | 3,597 |
| Assets per employee ($millions) | 4.6992% | 2,989 |
| Cash dividends to net income (ytd only)* | 32.5581% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 1,440 |
| Loan loss allowance to noncurrent loans | 889.3186% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 4,078 |
| Noncurrent loans to loans | 0.1655% | 3,871 |
| Net loans and leases to total assets | 64.2851% | 3,035 |
| Net loans and leases to deposits | 75.0067% | 3,169 |
| Net loans and leases to core deposits | 80.8410% | 3,124 |
| Total domestic deposits to total assets | 85.7058% | 2,125 |
| Equity capital to assets | 10.3607% | 3,462 |
| Core capital (leverage) ratio | 10.2904% | 3,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $491,864,000 | 1,486 |
| Average earning assets | $457,558,500 | 1,475 |
| Average equity | $51,480,500 | 1,613 |
| Average total loans | $328,620,500 | 1,529 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7264% | 2,253 |
| Cost of funding earning assets | 0.5708% | 3,768 |
| Net interest margin | 4.1556% | 1,410 |
| Noninterest income to average assets | 1.2363% | 617 |
| Noninterest expense to average assets | 3.1574% | 1,619 |
| Loan and lease loss provision to assets | 0.1579% | 1,331 |
| Net operating income to assets | 1.7386% | 607 |
| Return on assets (ROA) | 1.7376% | 648 |
| Pretax return on assets | 1.8104% | 914 |
| Return on Equity (ROE) | 17.7254% | 360 |
| Retained earnings to average equity (ytd only) | 12.1087% | 231 |
| Net charge-offs to loans | 0.0476% | 2,436 |
| Credit loss provision to net charge-offs | 484.0764% | 603 |
| Earnings coverage of net charge-offs (x) | 60.3694% | 974 |
| Efficiency ratio | 60.8616% | 3,557 |
| Assets per employee ($millions) | 4.6242% | 3,054 |
| Cash dividends to net income (ytd only)* | 31.6872% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 1,406 |
| Loan loss allowance to noncurrent loans | 875.5556% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 4,030 |
| Noncurrent loans to loans | 0.1640% | 3,874 |
| Net loans and leases to total assets | 67.4652% | 2,758 |
| Net loans and leases to deposits | 78.7843% | 2,933 |
| Net loans and leases to core deposits | 84.8750% | 2,880 |
| Total domestic deposits to total assets | 85.6328% | 2,225 |
| Equity capital to assets | 10.5769% | 3,369 |
| Core capital (leverage) ratio | 10.3842% | 3,086 |
| Tier 1 risk-based capital ratio | 13.5859% | 3,468 |
| Total risk-based capital ratio | 14.8365% | 3,378 |
| Memoranda: | ||
| Average total assets | $481,284,800 | 1,470 |
| Average earning assets | $450,571,000 | 1,454 |
| Average equity | $47,181,000 | 1,681 |
| Average total loans | $329,855,600 | 1,500 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7123% | 2,375 |
| Cost of funding earning assets | 0.5614% | 3,863 |
| Net interest margin | 4.1510% | 1,498 |
| Noninterest income to average assets | 1.1090% | 740 |
| Noninterest expense to average assets | 3.1027% | 1,711 |
| Loan and lease loss provision to assets | 0.0969% | 1,971 |
| Net operating income to assets | 1.7965% | 620 |
| Return on assets (ROA) | 1.7951% | 655 |
| Pretax return on assets | 1.7951% | 1,105 |
| Return on Equity (ROE) | 18.6796% | 339 |
| Retained earnings to average equity (ytd only) | 11.0417% | 519 |
| Net charge-offs to loans | 0.0497% | 2,125 |
| Credit loss provision to net charge-offs | 284.5528% | 989 |
| Earnings coverage of net charge-offs (x) | 55.5759% | 1,115 |
| Efficiency ratio | 61.3594% | 3,429 |
| Assets per employee ($millions) | 4.4835% | 3,237 |
| Cash dividends to net income (ytd only)* | 40.8888% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 2,056 |
| Loan loss allowance to noncurrent loans | 118.4540% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.7763% | 1,773 |
| Noncurrent loans to loans | 1.0814% | 1,465 |
| Net loans and leases to total assets | 69.9099% | 2,492 |
| Net loans and leases to deposits | 81.6426% | 2,733 |
| Net loans and leases to core deposits | 88.1247% | 2,717 |
| Total domestic deposits to total assets | 85.6292% | 2,152 |
| Equity capital to assets | 10.2072% | 3,815 |
| Core capital (leverage) ratio | 9.9380% | 3,694 |
| Tier 1 risk-based capital ratio | 12.7946% | 3,956 |
| Total risk-based capital ratio | 13.9671% | 3,893 |
| Memoranda: | ||
| Average total assets | $481,377,000 | 1,482 |
| Average earning assets | $450,776,500 | 1,461 |
| Average equity | $46,259,750 | 1,711 |
| Average total loans | $330,024,750 | 1,510 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6690% | 2,455 |
| Cost of funding earning assets | 0.5437% | 3,912 |
| Net interest margin | 4.1253% | 1,536 |
| Noninterest income to average assets | 0.9819% | 905 |
| Noninterest expense to average assets | 3.0050% | 1,989 |
| Loan and lease loss provision to assets | 0.0830% | 2,182 |
| Net operating income to assets | 1.7480% | 661 |
| Return on assets (ROA) | 1.7459% | 698 |
| Pretax return on assets | 1.7459% | 1,179 |
| Return on Equity (ROE) | 18.5505% | 347 |
| Retained earnings to average equity (ytd only) | 9.7316% | 833 |
| Net charge-offs to loans | 0.0453% | 2,005 |
| Credit loss provision to net charge-offs | 270.2703% | 961 |
| Earnings coverage of net charge-offs (x) | 59.6216% | 986 |
| Efficiency ratio | 61.3662% | 3,531 |
| Assets per employee ($millions) | 4.4069% | 3,277 |
| Cash dividends to net income (ytd only)* | 47.5398% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 1,950 |
| Loan loss allowance to noncurrent loans | 595.3782% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 3,854 |
| Noncurrent loans to loans | 0.2208% | 3,750 |
| Net loans and leases to total assets | 67.0505% | 2,956 |
| Net loans and leases to deposits | 77.9174% | 3,156 |
| Net loans and leases to core deposits | 83.7991% | 3,123 |
| Total domestic deposits to total assets | 86.0534% | 2,009 |
| Equity capital to assets | 9.9187% | 4,043 |
| Core capital (leverage) ratio | 9.5698% | 4,081 |
| Tier 1 risk-based capital ratio | 12.8510% | 3,913 |
| Total risk-based capital ratio | 14.0432% | 3,852 |
| Memoranda: | ||
| Average total assets | $481,926,000 | 1,483 |
| Average earning assets | $450,248,000 | 1,468 |
| Average equity | $45,357,330 | 1,737 |
| Average total loans | $326,789,330 | 1,528 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5584% | 2,671 |
| Cost of funding earning assets | 0.5032% | 4,044 |
| Net interest margin | 4.0553% | 1,674 |
| Noninterest income to average assets | 0.8744% | 1,100 |
| Noninterest expense to average assets | 2.9242% | 2,203 |
| Loan and lease loss provision to assets | 0.0412% | 2,803 |
| Net operating income to assets | 1.6984% | 729 |
| Return on assets (ROA) | 1.6984% | 755 |
| Pretax return on assets | 1.6984% | 1,210 |
| Return on Equity (ROE) | 18.5362% | 359 |
| Retained earnings to average equity (ytd only) | 12.6846% | 514 |
| Net charge-offs to loans | -0.0024% | 3,892 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9031% | 3,548 |
| Assets per employee ($millions) | 4.8183% | 2,766 |
| Cash dividends to net income (ytd only)* | 31.5687% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,202 |
| Loan loss allowance to noncurrent loans | 582.5662% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 4,073 |
| Noncurrent loans to loans | 0.2192% | 3,801 |
| Net loans and leases to total assets | 65.6964% | 3,098 |
| Net loans and leases to deposits | 75.8852% | 3,266 |
| Net loans and leases to core deposits | 81.2441% | 3,247 |
| Total domestic deposits to total assets | 86.5735% | 2,020 |
| Equity capital to assets | 9.2456% | 4,486 |
| Core capital (leverage) ratio | 9.3840% | 4,276 |
| Tier 1 risk-based capital ratio | 12.2965% | 4,300 |
| Total risk-based capital ratio | 13.4384% | 4,237 |
| Memoranda: | ||
| Average total assets | $484,914,000 | 1,476 |
| Average earning assets | $453,138,000 | 1,468 |
| Average equity | $44,432,000 | 1,765 |
| Average total loans | $328,495,000 | 1,526 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4074% | 2,739 |
| Cost of funding earning assets | 0.3964% | 4,005 |
| Net interest margin | 4.0110% | 1,950 |
| Noninterest income to average assets | 1.1434% | 704 |
| Noninterest expense to average assets | 3.2866% | 1,354 |
| Loan and lease loss provision to assets | 0.0773% | 2,582 |
| Net operating income to assets | 1.5329% | 1,037 |
| Return on assets (ROA) | 1.5329% | 1,024 |
| Pretax return on assets | 1.5329% | 1,672 |
| Return on Equity (ROE) | 17.3576% | 453 |
| Retained earnings to average equity (ytd only) | 15.0434% | 113 |
| Net charge-offs to loans | 0.0910% | 1,863 |
| Credit loss provision to net charge-offs | 124.1135% | 2,110 |
| Earnings coverage of net charge-offs (x) | 25.8440% | 1,752 |
| Efficiency ratio | 66.0876% | 2,862 |
| Assets per employee ($millions) | 4.5558% | 3,075 |
| Cash dividends to net income (ytd only)* | 13.3324% | 3,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 2,294 |
| Loan loss allowance to noncurrent loans | 972.8774% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 4,376 |
| Noncurrent loans to loans | 0.1285% | 4,158 |
| Net loans and leases to total assets | 68.1100% | 2,868 |
| Net loans and leases to deposits | 78.2015% | 3,140 |
| Net loans and leases to core deposits | 83.2659% | 3,156 |
| Total domestic deposits to total assets | 87.0955% | 1,742 |
| Equity capital to assets | 9.0779% | 4,513 |
| Core capital (leverage) ratio | 9.5062% | 4,108 |
| Tier 1 risk-based capital ratio | 12.0612% | 4,390 |
| Total risk-based capital ratio | 13.2043% | 4,346 |
| Memoranda: | ||
| Average total assets | $452,598,000 | 1,530 |
| Average earning assets | $423,536,600 | 1,515 |
| Average equity | $39,971,000 | 1,862 |
| Average total loans | $309,884,600 | 1,559 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 2,714 |
| Cost of funding earning assets | 0.3845% | 3,973 |
| Net interest margin | 3.9890% | 1,990 |
| Noninterest income to average assets | 1.2166% | 648 |
| Noninterest expense to average assets | 3.3452% | 1,209 |
| Loan and lease loss provision to assets | 0.1046% | 1,921 |
| Net operating income to assets | 1.4999% | 1,192 |
| Return on assets (ROA) | 1.4999% | 1,190 |
| Pretax return on assets | 1.4999% | 1,895 |
| Return on Equity (ROE) | 17.1114% | 534 |
| Retained earnings to average equity (ytd only) | 13.9578% | 256 |
| Net charge-offs to loans | 0.1251% | 1,264 |
| Credit loss provision to net charge-offs | 122.3776% | 1,963 |
| Earnings coverage of net charge-offs (x) | 18.7729% | 2,038 |
| Efficiency ratio | 66.4795% | 2,788 |
| Assets per employee ($millions) | 4.1382% | 3,674 |
| Cash dividends to net income (ytd only)* | 18.4299% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 2,027 |
| Loan loss allowance to noncurrent loans | 725.5282% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1283% | 4,322 |
| Noncurrent loans to loans | 0.1813% | 4,080 |
| Net loans and leases to total assets | 69.8185% | 2,678 |
| Net loans and leases to deposits | 79.3599% | 3,106 |
| Net loans and leases to core deposits | 84.4242% | 3,123 |
| Total domestic deposits to total assets | 87.9771% | 1,249 |
| Equity capital to assets | 9.2573% | 4,314 |
| Core capital (leverage) ratio | 9.2930% | 4,409 |
| Tier 1 risk-based capital ratio | 12.2927% | 4,325 |
| Total risk-based capital ratio | 13.5115% | 4,228 |
| Memoranda: | ||
| Average total assets | $446,157,500 | 1,554 |
| Average earning assets | $417,536,500 | 1,542 |
| Average equity | $39,107,500 | 1,902 |
| Average total loans | $304,871,750 | 1,586 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2904% | 2,797 |
| Cost of funding earning assets | 0.3758% | 3,907 |
| Net interest margin | 3.9146% | 2,158 |
| Noninterest income to average assets | 1.1577% | 719 |
| Noninterest expense to average assets | 3.3187% | 1,275 |
| Loan and lease loss provision to assets | 0.1341% | 1,470 |
| Net operating income to assets | 1.3710% | 1,535 |
| Return on assets (ROA) | 1.3710% | 1,538 |
| Pretax return on assets | 1.3710% | 2,255 |
| Return on Equity (ROE) | 15.9356% | 688 |
| Retained earnings to average equity (ytd only) | 13.3368% | 335 |
| Net charge-offs to loans | 0.1735% | 894 |
| Credit loss provision to net charge-offs | 114.5038% | 1,844 |
| Earnings coverage of net charge-offs (x) | 12.8473% | 2,178 |
| Efficiency ratio | 67.5102% | 2,724 |
| Assets per employee ($millions) | 4.1133% | 3,705 |
| Cash dividends to net income (ytd only)* | 16.3079% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 2,123 |
| Loan loss allowance to noncurrent loans | 1,441.9014% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 4,702 |
| Noncurrent loans to loans | 0.0908% | 4,509 |
| Net loans and leases to total assets | 68.2157% | 2,832 |
| Net loans and leases to deposits | 77.0714% | 3,247 |
| Net loans and leases to core deposits | 81.9655% | 3,243 |
| Total domestic deposits to total assets | 88.5098% | 1,136 |
| Equity capital to assets | 8.7541% | 4,760 |
| Core capital (leverage) ratio | 8.9499% | 4,728 |
| Tier 1 risk-based capital ratio | 11.9843% | 4,506 |
| Total risk-based capital ratio | 13.2116% | 4,398 |
| Memoranda: | ||
| Average total assets | $447,280,670 | 1,562 |
| Average earning assets | $418,888,330 | 1,545 |
| Average equity | $38,480,000 | 1,933 |
| Average total loans | $302,072,670 | 1,596 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 2,740 |
| Cost of funding earning assets | 0.3798% | 3,737 |
| Net interest margin | 3.8619% | 2,188 |
| Noninterest income to average assets | 1.0992% | 767 |
| Noninterest expense to average assets | 3.3336% | 1,285 |
| Loan and lease loss provision to assets | 0.1349% | 1,398 |
| Net operating income to assets | 1.2431% | 1,835 |
| Return on assets (ROA) | 1.2431% | 1,844 |
| Pretax return on assets | 1.2431% | 2,588 |
| Return on Equity (ROE) | 14.5798% | 881 |
| Retained earnings to average equity (ytd only) | 12.4698% | 602 |
| Net charge-offs to loans | 0.4111% | 379 |
| Credit loss provision to net charge-offs | 49.1803% | 1,958 |
| Earnings coverage of net charge-offs (x) | 5.0230% | 2,262 |
| Efficiency ratio | 69.3394% | 2,611 |
| Assets per employee ($millions) | 4.2748% | 3,526 |
| Cash dividends to net income (ytd only)* | 14.4718% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 2,102 |
| Loan loss allowance to noncurrent loans | 1,322.7119% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 4,761 |
| Noncurrent loans to loans | 0.1006% | 4,519 |
| Net loans and leases to total assets | 64.4794% | 3,244 |
| Net loans and leases to deposits | 72.4041% | 3,567 |
| Net loans and leases to core deposits | 78.1771% | 3,478 |
| Total domestic deposits to total assets | 89.0549% | 1,068 |
| Equity capital to assets | 8.5205% | 4,959 |
| Core capital (leverage) ratio | 8.7030% | 4,989 |
| Tier 1 risk-based capital ratio | 12.1438% | 4,463 |
| Total risk-based capital ratio | 13.3733% | 4,369 |
| Memoranda: | ||
| Average total assets | $444,689,500 | 1,578 |
| Average earning assets | $415,964,500 | 1,567 |
| Average equity | $37,915,500 | 1,958 |
| Average total loans | $296,736,000 | 1,619 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 2,591 |
| Cost of funding earning assets | 0.3422% | 3,778 |
| Net interest margin | 3.8851% | 2,135 |
| Noninterest income to average assets | 1.2961% | 630 |
| Noninterest expense to average assets | 3.5054% | 1,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3973% | 1,026 |
| Return on assets (ROA) | 1.3999% | 1,038 |
| Pretax return on assets | 1.3999% | 1,988 |
| Return on Equity (ROE) | 16.0553% | 476 |
| Retained earnings to average equity (ytd only) | 3.9908% | 2,802 |
| Net charge-offs to loans | -0.0976% | 5,369 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0627% | 2,535 |
| Assets per employee ($millions) | 3.8642% | 4,172 |
| Cash dividends to net income (ytd only)* | 75.1435% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3517% | 1,961 |
| Loan loss allowance to noncurrent loans | 1,330.1639% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 4,777 |
| Noncurrent loans to loans | 0.1016% | 4,531 |
| Net loans and leases to total assets | 67.2140% | 2,935 |
| Net loans and leases to deposits | 75.5115% | 3,376 |
| Net loans and leases to core deposits | 81.9162% | 3,252 |
| Total domestic deposits to total assets | 89.0116% | 1,001 |
| Equity capital to assets | 8.5322% | 5,100 |
| Core capital (leverage) ratio | 8.7380% | 4,917 |
| Tier 1 risk-based capital ratio | 11.1946% | 5,037 |
| Total risk-based capital ratio | 12.4124% | 4,933 |
| Memoranda: | ||
| Average total assets | $423,037,000 | 1,626 |
| Average earning assets | $392,704,400 | 1,623 |
| Average equity | $36,885,000 | 1,988 |
| Average total loans | $284,828,000 | 1,632 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2045% | 2,605 |
| Cost of funding earning assets | 0.3379% | 3,793 |
| Net interest margin | 3.8666% | 2,159 |
| Noninterest income to average assets | 1.2729% | 653 |
| Noninterest expense to average assets | 3.4372% | 1,091 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4213% | 1,044 |
| Return on assets (ROA) | 1.4248% | 1,065 |
| Pretax return on assets | 1.4248% | 2,042 |
| Return on Equity (ROE) | 16.2496% | 499 |
| Retained earnings to average equity (ytd only) | 0.4504% | 5,119 |
| Net charge-offs to loans | -0.0569% | 5,204 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2842% | 2,656 |
| Assets per employee ($millions) | 3.9334% | 4,098 |
| Cash dividends to net income (ytd only)* | 97.2286% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 2,184 |
| Loan loss allowance to noncurrent loans | 1,241.7197% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 4,871 |
| Noncurrent loans to loans | 0.1075% | 4,628 |
| Net loans and leases to total assets | 67.8441% | 2,861 |
| Net loans and leases to deposits | 77.5211% | 3,221 |
| Net loans and leases to core deposits | 82.7820% | 3,225 |
| Total domestic deposits to total assets | 87.5170% | 1,619 |
| Equity capital to assets | 8.6594% | 5,180 |
| Core capital (leverage) ratio | 8.6565% | 5,104 |
| Tier 1 risk-based capital ratio | 11.5609% | 4,919 |
| Total risk-based capital ratio | 12.8111% | 4,804 |
| Memoranda: | ||
| Average total assets | $418,666,000 | 1,650 |
| Average earning assets | $388,243,000 | 1,650 |
| Average equity | $36,709,750 | 2,000 |
| Average total loans | $280,997,750 | 1,661 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1892% | 2,514 |
| Cost of funding earning assets | 0.3399% | 3,691 |
| Net interest margin | 3.8493% | 2,100 |
| Noninterest income to average assets | 1.2107% | 705 |
| Noninterest expense to average assets | 3.3556% | 1,264 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4214% | 1,015 |
| Return on assets (ROA) | 1.4210% | 1,042 |
| Pretax return on assets | 1.4210% | 1,936 |
| Return on Equity (ROE) | 16.1377% | 511 |
| Retained earnings to average equity (ytd only) | -2.8077% | 5,416 |
| Net charge-offs to loans | -0.0844% | 5,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7469% | 2,883 |
| Assets per employee ($millions) | 3.8518% | 4,197 |
| Cash dividends to net income (ytd only)* | 117.3986% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 1,921 |
| Loan loss allowance to noncurrent loans | 1,386.4769% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 4,928 |
| Noncurrent loans to loans | 0.1015% | 4,721 |
| Net loans and leases to total assets | 65.6001% | 3,163 |
| Net loans and leases to deposits | 74.0811% | 3,537 |
| Net loans and leases to core deposits | 79.1230% | 3,495 |
| Total domestic deposits to total assets | 88.5516% | 1,175 |
| Equity capital to assets | 8.7065% | 5,137 |
| Core capital (leverage) ratio | 8.3909% | 5,288 |
| Tier 1 risk-based capital ratio | 11.7832% | 4,772 |
| Total risk-based capital ratio | 13.0337% | 4,661 |
| Memoranda: | ||
| Average total assets | $416,618,330 | 1,661 |
| Average earning assets | $385,996,670 | 1,657 |
| Average equity | $36,684,330 | 1,994 |
| Average total loans | $277,294,670 | 1,677 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1327% | 2,541 |
| Cost of funding earning assets | 0.3240% | 3,811 |
| Net interest margin | 3.8088% | 2,086 |
| Noninterest income to average assets | 1.1407% | 775 |
| Noninterest expense to average assets | 3.2111% | 1,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4602% | 875 |
| Return on assets (ROA) | 1.4611% | 899 |
| Pretax return on assets | 1.4611% | 1,659 |
| Return on Equity (ROE) | 16.5017% | 465 |
| Retained earnings to average equity (ytd only) | 16.5017% | 181 |
| Net charge-offs to loans | -0.1931% | 5,612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2007% | 3,317 |
| Assets per employee ($millions) | 3.9286% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 2,115 |
| Loan loss allowance to noncurrent loans | 1,242.2222% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 4,978 |
| Noncurrent loans to loans | 0.1119% | 4,748 |
| Net loans and leases to total assets | 65.4530% | 3,051 |
| Net loans and leases to deposits | 73.9438% | 3,410 |
| Net loans and leases to core deposits | 79.4535% | 3,344 |
| Total domestic deposits to total assets | 88.5173% | 1,415 |
| Equity capital to assets | 8.9031% | 4,907 |
| Core capital (leverage) ratio | 8.9907% | 4,749 |
| Tier 1 risk-based capital ratio | 11.8317% | 4,828 |
| Total risk-based capital ratio | 13.0782% | 4,737 |
| Memoranda: | ||
| Average total assets | $416,933,000 | 1,672 |
| Average earning assets | $386,478,500 | 1,671 |
| Average equity | $36,917,500 | 1,988 |
| Average total loans | $277,549,500 | 1,691 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0916% | 2,887 |
| Cost of funding earning assets | 0.3295% | 3,753 |
| Net interest margin | 3.7622% | 2,462 |
| Noninterest income to average assets | 1.4030% | 583 |
| Noninterest expense to average assets | 3.4521% | 1,249 |
| Loan and lease loss provision to assets | -0.3113% | 5,846 |
| Net operating income to assets | 1.7580% | 482 |
| Return on assets (ROA) | 1.7479% | 514 |
| Pretax return on assets | 1.7479% | 895 |
| Return on Equity (ROE) | 19.6622% | 224 |
| Retained earnings to average equity (ytd only) | 13.8501% | 135 |
| Net charge-offs to loans | -0.8642% | 5,858 |
| Credit loss provision to net charge-offs | 55.7097% | 3,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9587% | 3,236 |
| Assets per employee ($millions) | 4.0155% | 3,939 |
| Cash dividends to net income (ytd only)* | 29.5596% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 2,157 |
| Loan loss allowance to noncurrent loans | 1,114.7493% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 5,012 |
| Noncurrent loans to loans | 0.1240% | 4,740 |
| Net loans and leases to total assets | 65.8477% | 3,095 |
| Net loans and leases to deposits | 74.8412% | 3,432 |
| Net loans and leases to core deposits | 79.6513% | 3,426 |
| Total domestic deposits to total assets | 87.9832% | 1,638 |
| Equity capital to assets | 8.8042% | 5,006 |
| Core capital (leverage) ratio | 9.0292% | 4,707 |
| Tier 1 risk-based capital ratio | 11.3265% | 5,159 |
| Total risk-based capital ratio | 12.5295% | 5,079 |
| Memoranda: | ||
| Average total assets | $387,092,200 | 1,733 |
| Average earning assets | $359,687,600 | 1,724 |
| Average equity | $34,411,200 | 2,114 |
| Average total loans | $250,290,000 | 1,793 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0608% | 3,003 |
| Cost of funding earning assets | 0.3241% | 3,824 |
| Net interest margin | 3.7367% | 2,569 |
| Noninterest income to average assets | 1.4459% | 570 |
| Noninterest expense to average assets | 3.4553% | 1,235 |
| Loan and lease loss provision to assets | -0.4212% | 5,936 |
| Net operating income to assets | 1.8811% | 418 |
| Return on assets (ROA) | 1.8664% | 452 |
| Pretax return on assets | 1.8664% | 766 |
| Return on Equity (ROE) | 20.9413% | 197 |
| Retained earnings to average equity (ytd only) | 15.4510% | 124 |
| Net charge-offs to loans | -1.1517% | 5,922 |
| Credit loss provision to net charge-offs | 57.0549% | 2,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7594% | 3,272 |
| Assets per employee ($millions) | 3.7963% | 4,309 |
| Cash dividends to net income (ytd only)* | 26.2172% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 2,038 |
| Loan loss allowance to noncurrent loans | 1,422.9008% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 5,178 |
| Noncurrent loans to loans | 0.1009% | 4,934 |
| Net loans and leases to total assets | 64.8121% | 3,297 |
| Net loans and leases to deposits | 74.8134% | 3,519 |
| Net loans and leases to core deposits | 78.2159% | 3,648 |
| Total domestic deposits to total assets | 86.6317% | 2,067 |
| Equity capital to assets | 9.2231% | 4,951 |
| Core capital (leverage) ratio | 9.0830% | 4,738 |
| Tier 1 risk-based capital ratio | 12.3809% | 4,549 |
| Total risk-based capital ratio | 13.6318% | 4,451 |
| Memoranda: | ||
| Average total assets | $381,471,000 | 1,757 |
| Average earning assets | $354,172,500 | 1,754 |
| Average equity | $33,999,000 | 2,148 |
| Average total loans | $244,493,500 | 1,825 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0427% | 3,091 |
| Cost of funding earning assets | 0.3255% | 3,842 |
| Net interest margin | 3.7173% | 2,626 |
| Noninterest income to average assets | 1.3145% | 662 |
| Noninterest expense to average assets | 3.2597% | 1,670 |
| Loan and lease loss provision to assets | 0.0663% | 2,815 |
| Net operating income to assets | 1.4418% | 987 |
| Return on assets (ROA) | 1.4360% | 1,044 |
| Pretax return on assets | 1.4360% | 1,885 |
| Return on Equity (ROE) | 16.3102% | 496 |
| Retained earnings to average equity (ytd only) | 9.8331% | 635 |
| Net charge-offs to loans | -0.2230% | 5,828 |
| Credit loss provision to net charge-offs | -46.8165% | 4,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7223% | 3,574 |
| Assets per employee ($millions) | 3.6516% | 4,516 |
| Cash dividends to net income (ytd only)* | 39.7119% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 2,628 |
| Loan loss allowance to noncurrent loans | 1,217.0455% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 5,040 |
| Noncurrent loans to loans | 0.1092% | 5,013 |
| Net loans and leases to total assets | 64.0194% | 3,359 |
| Net loans and leases to deposits | 72.1165% | 3,775 |
| Net loans and leases to core deposits | 75.4386% | 3,870 |
| Total domestic deposits to total assets | 88.7722% | 1,029 |
| Equity capital to assets | 9.1874% | 5,082 |
| Core capital (leverage) ratio | 8.4773% | 5,381 |
| Tier 1 risk-based capital ratio | 12.0448% | 4,796 |
| Total risk-based capital ratio | 13.2487% | 4,742 |
| Memoranda: | ||
| Average total assets | $377,023,000 | 1,778 |
| Average earning assets | $350,257,330 | 1,770 |
| Average equity | $33,194,000 | 2,190 |
| Average total loans | $239,452,670 | 1,860 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9914% | 3,252 |
| Cost of funding earning assets | 0.3325% | 3,808 |
| Net interest margin | 3.6589% | 2,855 |
| Noninterest income to average assets | 1.2286% | 714 |
| Noninterest expense to average assets | 3.1426% | 1,975 |
| Loan and lease loss provision to assets | 0.1318% | 1,600 |
| Net operating income to assets | 1.3541% | 1,126 |
| Return on assets (ROA) | 1.3425% | 1,224 |
| Pretax return on assets | 1.3425% | 2,127 |
| Return on Equity (ROE) | 15.5809% | 589 |
| Retained earnings to average equity (ytd only) | 15.5809% | 211 |
| Net charge-offs to loans | -0.0705% | 5,498 |
| Credit loss provision to net charge-offs | -297.6190% | 4,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2110% | 3,764 |
| Assets per employee ($millions) | 3.7338% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 3,168 |
| Loan loss allowance to noncurrent loans | 1,102.5830% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 5,113 |
| Noncurrent loans to loans | 0.1135% | 5,023 |
| Net loans and leases to total assets | 61.8881% | 3,547 |
| Net loans and leases to deposits | 68.9974% | 3,954 |
| Net loans and leases to core deposits | 72.8579% | 3,989 |
| Total domestic deposits to total assets | 89.6963% | 736 |
| Equity capital to assets | 8.8005% | 5,340 |
| Core capital (leverage) ratio | 8.5048% | 5,389 |
| Tier 1 risk-based capital ratio | 11.9141% | 4,968 |
| Total risk-based capital ratio | 13.0363% | 4,961 |
| Memoranda: | ||
| Average total assets | $379,301,000 | 1,764 |
| Average earning assets | $352,455,500 | 1,767 |
| Average equity | $32,681,000 | 2,214 |
| Average total loans | $238,347,000 | 1,870 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8813% | 3,772 |
| Cost of funding earning assets | 0.3304% | 3,907 |
| Net interest margin | 3.5509% | 3,318 |
| Noninterest income to average assets | 0.9363% | 1,347 |
| Noninterest expense to average assets | 2.9016% | 2,858 |
| Loan and lease loss provision to assets | 0.2022% | 1,060 |
| Net operating income to assets | 1.1284% | 1,810 |
| Return on assets (ROA) | 1.1339% | 1,855 |
| Pretax return on assets | 1.1339% | 2,911 |
| Return on Equity (ROE) | 13.6927% | 912 |
| Retained earnings to average equity (ytd only) | 11.7073% | 276 |
| Net charge-offs to loans | 0.5108% | 505 |
| Credit loss provision to net charge-offs | 68.3333% | 3,151 |
| Earnings coverage of net charge-offs (x) | 4.4963% | 3,544 |
| Efficiency ratio | 66.6365% | 3,806 |
| Assets per employee ($millions) | 3.6675% | 4,535 |
| Cash dividends to net income (ytd only)* | 14.4998% | 3,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 3,563 |
| Loan loss allowance to noncurrent loans | 1,007.5000% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 5,111 |
| Noncurrent loans to loans | 0.1176% | 5,024 |
| Net loans and leases to total assets | 62.2589% | 3,521 |
| Net loans and leases to deposits | 71.6124% | 3,757 |
| Net loans and leases to core deposits | 74.8454% | 3,860 |
| Total domestic deposits to total assets | 86.9387% | 2,170 |
| Equity capital to assets | 8.4302% | 5,616 |
| Core capital (leverage) ratio | 8.4110% | 5,515 |
| Tier 1 risk-based capital ratio | 11.1689% | 5,433 |
| Total risk-based capital ratio | 12.2038% | 5,453 |
| Memoranda: | ||
| Average total assets | $364,932,200 | 1,796 |
| Average earning assets | $338,730,400 | 1,792 |
| Average equity | $30,220,400 | 2,308 |
| Average total loans | $211,436,200 | 1,988 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8491% | 3,940 |
| Cost of funding earning assets | 0.3332% | 3,939 |
| Net interest margin | 3.5159% | 3,478 |
| Noninterest income to average assets | 0.8953% | 1,465 |
| Noninterest expense to average assets | 2.7987% | 3,191 |
| Loan and lease loss provision to assets | 0.2064% | 961 |
| Net operating income to assets | 1.1530% | 1,820 |
| Return on assets (ROA) | 1.1566% | 1,879 |
| Pretax return on assets | 1.1566% | 2,994 |
| Return on Equity (ROE) | 14.0332% | 899 |
| Retained earnings to average equity (ytd only) | 12.1326% | 351 |
| Net charge-offs to loans | 0.4147% | 616 |
| Credit loss provision to net charge-offs | 87.9121% | 2,498 |
| Earnings coverage of net charge-offs (x) | 5.7897% | 3,150 |
| Efficiency ratio | 65.3311% | 4,006 |
| Assets per employee ($millions) | 3.8831% | 4,117 |
| Cash dividends to net income (ytd only)* | 13.5436% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 2,366 |
| Loan loss allowance to noncurrent loans | 417.5913% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2589% | 4,734 |
| Noncurrent loans to loans | 0.3474% | 4,368 |
| Net loans and leases to total assets | 59.3349% | 3,961 |
| Net loans and leases to deposits | 67.8172% | 4,206 |
| Net loans and leases to core deposits | 70.9682% | 4,283 |
| Total domestic deposits to total assets | 87.4924% | 1,806 |
| Equity capital to assets | 8.8312% | 5,461 |
| Core capital (leverage) ratio | 8.3107% | 5,713 |
| Tier 1 risk-based capital ratio | 12.3105% | 4,883 |
| Total risk-based capital ratio | 13.5610% | 4,784 |
| Memoranda: | ||
| Average total assets | $361,727,750 | 1,821 |
| Average earning assets | $335,686,750 | 1,823 |
| Average equity | $29,814,250 | 2,338 |
| Average total loans | $204,794,250 | 2,043 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7526% | 4,227 |
| Cost of funding earning assets | 0.3363% | 3,969 |
| Net interest margin | 3.4163% | 3,847 |
| Noninterest income to average assets | 0.8653% | 1,554 |
| Noninterest expense to average assets | 2.6918% | 3,620 |
| Loan and lease loss provision to assets | 0.2250% | 840 |
| Net operating income to assets | 1.1144% | 1,889 |
| Return on assets (ROA) | 1.1149% | 1,978 |
| Pretax return on assets | 1.1149% | 3,109 |
| Return on Equity (ROE) | 13.8465% | 936 |
| Retained earnings to average equity (ytd only) | 12.1430% | 379 |
| Net charge-offs to loans | 0.4116% | 629 |
| Credit loss provision to net charge-offs | 98.5577% | 2,092 |
| Earnings coverage of net charge-offs (x) | 5.8678% | 2,869 |
| Efficiency ratio | 64.7611% | 4,232 |
| Assets per employee ($millions) | 3.8858% | 4,101 |
| Cash dividends to net income (ytd only)* | 12.3031% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5370% | 2,129 |
| Loan loss allowance to noncurrent loans | 202.5016% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.4801% | 4,012 |
| Noncurrent loans to loans | 0.7590% | 3,218 |
| Net loans and leases to total assets | 55.9647% | 4,340 |
| Net loans and leases to deposits | 64.1436% | 4,517 |
| Net loans and leases to core deposits | 67.3290% | 4,548 |
| Total domestic deposits to total assets | 87.2490% | 2,038 |
| Equity capital to assets | 8.3149% | 5,822 |
| Core capital (leverage) ratio | 7.8307% | 6,005 |
| Tier 1 risk-based capital ratio | 12.1496% | 5,038 |
| Total risk-based capital ratio | 13.4009% | 4,939 |
| Memoranda: | ||
| Average total assets | $364,516,330 | 1,818 |
| Average earning assets | $337,793,000 | 1,818 |
| Average equity | $29,350,330 | 2,388 |
| Average total loans | $202,141,330 | 2,070 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6782% | 4,441 |
| Cost of funding earning assets | 0.3344% | 4,049 |
| Net interest margin | 3.3438% | 4,046 |
| Noninterest income to average assets | 0.8807% | 1,450 |
| Noninterest expense to average assets | 2.6289% | 3,829 |
| Loan and lease loss provision to assets | 0.2295% | 757 |
| Net operating income to assets | 1.1145% | 1,818 |
| Return on assets (ROA) | 1.1156% | 1,922 |
| Pretax return on assets | 1.1156% | 3,015 |
| Return on Equity (ROE) | 14.0820% | 862 |
| Retained earnings to average equity (ytd only) | 14.0820% | 353 |
| Net charge-offs to loans | 0.3691% | 664 |
| Credit loss provision to net charge-offs | 113.5135% | 1,485 |
| Earnings coverage of net charge-offs (x) | 6.6486% | 2,262 |
| Efficiency ratio | 64.1364% | 4,458 |
| Assets per employee ($millions) | 4.0848% | 3,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 2,058 |
| Loan loss allowance to noncurrent loans | 178.6996% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 3,897 |
| Noncurrent loans to loans | 0.8945% | 3,004 |
| Net loans and leases to total assets | 53.3825% | 4,507 |
| Net loans and leases to deposits | 60.4104% | 4,712 |
| Net loans and leases to core deposits | 63.3931% | 4,750 |
| Total domestic deposits to total assets | 88.3664% | 1,618 |
| Equity capital to assets | 8.0725% | 5,995 |
| Core capital (leverage) ratio | 7.7921% | 6,033 |
| Tier 1 risk-based capital ratio | 12.3188% | 5,033 |
| Total risk-based capital ratio | 13.5707% | 4,942 |
| Memoranda: | ||
| Average total assets | $366,086,500 | 1,816 |
| Average earning assets | $338,532,500 | 1,816 |
| Average equity | $29,001,500 | 2,430 |
| Average total loans | $200,512,000 | 2,085 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 3,696 |
| Cost of funding earning assets | 0.3647% | 4,089 |
| Net interest margin | 3.6445% | 3,238 |
| Noninterest income to average assets | 0.9460% | 1,360 |
| Noninterest expense to average assets | 2.9919% | 2,866 |
| Loan and lease loss provision to assets | 0.0856% | 2,759 |
| Net operating income to assets | 1.2057% | 1,570 |
| Return on assets (ROA) | 1.2090% | 1,613 |
| Pretax return on assets | 1.2090% | 2,615 |
| Return on Equity (ROE) | 15.0180% | 778 |
| Retained earnings to average equity (ytd only) | 9.4226% | 619 |
| Net charge-offs to loans | 0.8066% | 431 |
| Credit loss provision to net charge-offs | 18.3990% | 3,993 |
| Earnings coverage of net charge-offs (x) | 2.7760% | 4,064 |
| Efficiency ratio | 67.7698% | 3,934 |
| Assets per employee ($millions) | 4.0505% | 3,834 |
| Cash dividends to net income (ytd only)* | 37.2578% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 2,194 |
| Loan loss allowance to noncurrent loans | 153.5437% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.6441% | 3,639 |
| Noncurrent loans to loans | 1.0219% | 2,784 |
| Net loans and leases to total assets | 54.4306% | 4,523 |
| Net loans and leases to deposits | 60.4306% | 4,865 |
| Net loans and leases to core deposits | 63.4443% | 4,876 |
| Total domestic deposits to total assets | 90.0713% | 702 |
| Equity capital to assets | 7.7703% | 6,150 |
| Core capital (leverage) ratio | 7.6870% | 6,134 |
| Tier 1 risk-based capital ratio | 11.2651% | 5,784 |
| Total risk-based capital ratio | 12.5165% | 5,707 |
| Memoranda: | ||
| Average total assets | $332,996,800 | 1,947 |
| Average earning assets | $304,926,600 | 1,970 |
| Average equity | $26,807,800 | 2,507 |
| Average total loans | $192,031,800 | 2,097 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0539% | 3,541 |
| Cost of funding earning assets | 0.3693% | 4,129 |
| Net interest margin | 3.6846% | 3,092 |
| Noninterest income to average assets | 0.9814% | 1,280 |
| Noninterest expense to average assets | 3.0237% | 2,721 |
| Loan and lease loss provision to assets | 0.0964% | 2,436 |
| Net operating income to assets | 1.2328% | 1,571 |
| Return on assets (ROA) | 1.2336% | 1,627 |
| Pretax return on assets | 1.2336% | 2,640 |
| Return on Equity (ROE) | 15.1753% | 791 |
| Retained earnings to average equity (ytd only) | 9.2475% | 913 |
| Net charge-offs to loans | 0.3150% | 1,268 |
| Credit loss provision to net charge-offs | 52.4554% | 3,065 |
| Earnings coverage of net charge-offs (x) | 7.2344% | 2,954 |
| Efficiency ratio | 67.3639% | 3,975 |
| Assets per employee ($millions) | 3.7641% | 4,361 |
| Cash dividends to net income (ytd only)* | 39.0625% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2049% | 940 |
| Loan loss allowance to noncurrent loans | 195.7269% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.6952% | 3,727 |
| Noncurrent loans to loans | 1.1265% | 2,807 |
| Net loans and leases to total assets | 55.7908% | 4,358 |
| Net loans and leases to deposits | 62.6825% | 4,679 |
| Net loans and leases to core deposits | 66.2037% | 4,684 |
| Total domestic deposits to total assets | 89.0053% | 1,234 |
| Equity capital to assets | 8.2034% | 6,012 |
| Core capital (leverage) ratio | 7.7623% | 6,184 |
| Tier 1 risk-based capital ratio | 11.6604% | 5,695 |
| Total risk-based capital ratio | 12.9185% | 5,608 |
| Memoranda: | ||
| Average total assets | $325,110,750 | 2,009 |
| Average earning assets | $297,482,500 | 2,027 |
| Average equity | $26,428,250 | 2,535 |
| Average total loans | $189,643,500 | 2,135 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0674% | 3,478 |
| Cost of funding earning assets | 0.3706% | 4,202 |
| Net interest margin | 3.6967% | 2,978 |
| Noninterest income to average assets | 1.0584% | 1,062 |
| Noninterest expense to average assets | 3.0788% | 2,571 |
| Loan and lease loss provision to assets | 0.1460% | 1,691 |
| Net operating income to assets | 1.1995% | 1,592 |
| Return on assets (ROA) | 1.2007% | 1,655 |
| Pretax return on assets | 1.2007% | 2,666 |
| Return on Equity (ROE) | 14.8177% | 817 |
| Retained earnings to average equity (ytd only) | 8.2985% | 1,211 |
| Net charge-offs to loans | 0.3066% | 1,321 |
| Credit loss provision to net charge-offs | 81.0345% | 2,315 |
| Earnings coverage of net charge-offs (x) | 7.4655% | 2,625 |
| Efficiency ratio | 68.7597% | 3,870 |
| Assets per employee ($millions) | 3.6425% | 4,567 |
| Cash dividends to net income (ytd only)* | 43.9959% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3064% | 889 |
| Loan loss allowance to noncurrent loans | 205.5477% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6948% | 3,898 |
| Noncurrent loans to loans | 1.1221% | 2,976 |
| Net loans and leases to total assets | 55.8693% | 4,303 |
| Net loans and leases to deposits | 63.1031% | 4,584 |
| Net loans and leases to core deposits | 66.6453% | 4,580 |
| Total domestic deposits to total assets | 88.5365% | 1,614 |
| Equity capital to assets | 8.0834% | 6,109 |
| Core capital (leverage) ratio | 7.5421% | 6,305 |
| Tier 1 risk-based capital ratio | 11.4133% | 5,849 |
| Total risk-based capital ratio | 12.6728% | 5,798 |
| Memoranda: | ||
| Average total assets | $321,812,000 | 2,029 |
| Average earning assets | $293,016,000 | 2,054 |
| Average equity | $26,077,000 | 2,556 |
| Average total loans | $189,152,330 | 2,139 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0523% | 3,462 |
| Cost of funding earning assets | 0.3642% | 4,392 |
| Net interest margin | 3.6880% | 2,916 |
| Noninterest income to average assets | 0.8202% | 1,673 |
| Noninterest expense to average assets | 3.0677% | 2,633 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1130% | 1,763 |
| Return on assets (ROA) | 1.1168% | 1,810 |
| Pretax return on assets | 1.1168% | 2,824 |
| Return on Equity (ROE) | 13.7644% | 986 |
| Retained earnings to average equity (ytd only) | 13.7644% | 414 |
| Net charge-offs to loans | 0.3684% | 979 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.0690% | 2,431 |
| Efficiency ratio | 72.5023% | 3,401 |
| Assets per employee ($millions) | 3.5696% | 4,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2841% | 1,055 |
| Loan loss allowance to noncurrent loans | 168.2358% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.8962% | 3,498 |
| Noncurrent loans to loans | 1.3577% | 2,769 |
| Net loans and leases to total assets | 56.0119% | 4,141 |
| Net loans and leases to deposits | 63.0349% | 4,427 |
| Net loans and leases to core deposits | 66.4694% | 4,451 |
| Total domestic deposits to total assets | 88.8585% | 1,748 |
| Equity capital to assets | 8.0854% | 5,989 |
| Core capital (leverage) ratio | 7.8117% | 6,213 |
| Tier 1 risk-based capital ratio | 11.5157% | 5,908 |
| Total risk-based capital ratio | 12.7747% | 5,853 |
| Memoranda: | ||
| Average total assets | $316,983,000 | 2,067 |
| Average earning assets | $288,825,000 | 2,087 |
| Average equity | $25,718,500 | 2,580 |
| Average total loans | $188,947,500 | 2,143 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 2,822 |
| Cost of funding earning assets | 0.3778% | 4,862 |
| Net interest margin | 3.9573% | 2,080 |
| Noninterest income to average assets | 1.1543% | 1,059 |
| Noninterest expense to average assets | 3.2610% | 2,248 |
| Loan and lease loss provision to assets | 0.1552% | 2,335 |
| Net operating income to assets | 1.3116% | 1,223 |
| Return on assets (ROA) | 1.3164% | 1,248 |
| Pretax return on assets | 1.3164% | 2,088 |
| Return on Equity (ROE) | 15.3793% | 700 |
| Retained earnings to average equity (ytd only) | 7.4196% | 1,265 |
| Net charge-offs to loans | -0.0648% | 6,390 |
| Credit loss provision to net charge-offs | -365.8537% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1211% | 4,176 |
| Assets per employee ($millions) | 3.2887% | 5,314 |
| Cash dividends to net income (ytd only)* | 51.7558% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3094% | 1,030 |
| Loan loss allowance to noncurrent loans | 100.4994% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.4434% | 2,580 |
| Noncurrent loans to loans | 2.2979% | 1,677 |
| Net loans and leases to total assets | 60.5790% | 3,613 |
| Net loans and leases to deposits | 68.3144% | 4,002 |
| Net loans and leases to core deposits | 72.5151% | 4,003 |
| Total domestic deposits to total assets | 88.6768% | 1,812 |
| Equity capital to assets | 8.1430% | 5,906 |
| Core capital (leverage) ratio | 8.1199% | 6,038 |
| Tier 1 risk-based capital ratio | 11.0017% | 6,170 |
| Total risk-based capital ratio | 12.2619% | 6,111 |
| Memoranda: | ||
| Average total assets | $289,884,800 | 2,212 |
| Average earning assets | $261,766,800 | 2,240 |
| Average equity | $24,812,600 | 2,643 |
| Average total loans | $189,780,400 | 2,104 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4121% | 2,557 |
| Cost of funding earning assets | 0.3817% | 4,984 |
| Net interest margin | 4.0304% | 1,844 |
| Noninterest income to average assets | 1.2385% | 960 |
| Noninterest expense to average assets | 3.3174% | 2,031 |
| Loan and lease loss provision to assets | 0.2105% | 1,730 |
| Net operating income to assets | 1.3451% | 1,232 |
| Return on assets (ROA) | 1.3517% | 1,269 |
| Pretax return on assets | 1.3517% | 2,119 |
| Return on Equity (ROE) | 15.5860% | 698 |
| Retained earnings to average equity (ytd only) | 6.6874% | 2,043 |
| Net charge-offs to loans | 0.0049% | 5,087 |
| Credit loss provision to net charge-offs | 6,428.5714% | 44 |
| Earnings coverage of net charge-offs (x) | 475.3012% | 123 |
| Efficiency ratio | 67.2329% | 4,253 |
| Assets per employee ($millions) | 3.1482% | 5,590 |
| Cash dividends to net income (ytd only)* | 57.0935% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2417% | 1,265 |
| Loan loss allowance to noncurrent loans | 87.3019% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.7180% | 2,388 |
| Noncurrent loans to loans | 2.5678% | 1,672 |
| Net loans and leases to total assets | 65.4084% | 2,732 |
| Net loans and leases to deposits | 73.8556% | 3,251 |
| Net loans and leases to core deposits | 78.5862% | 3,285 |
| Total domestic deposits to total assets | 88.5626% | 1,805 |
| Equity capital to assets | 8.6234% | 5,600 |
| Core capital (leverage) ratio | 8.1750% | 6,085 |
| Tier 1 risk-based capital ratio | 11.0614% | 6,253 |
| Total risk-based capital ratio | 12.3217% | 6,213 |
| Memoranda: | ||
| Average total assets | $285,072,250 | 2,247 |
| Average earning assets | $257,075,000 | 2,274 |
| Average equity | $24,722,500 | 2,673 |
| Average total loans | $189,301,000 | 2,103 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4265% | 2,468 |
| Cost of funding earning assets | 0.3935% | 4,997 |
| Net interest margin | 4.0330% | 1,752 |
| Noninterest income to average assets | 1.3261% | 883 |
| Noninterest expense to average assets | 3.3717% | 1,886 |
| Loan and lease loss provision to assets | 0.3162% | 1,120 |
| Net operating income to assets | 1.2607% | 1,430 |
| Return on assets (ROA) | 1.2706% | 1,502 |
| Pretax return on assets | 1.2706% | 2,403 |
| Return on Equity (ROE) | 14.6229% | 887 |
| Retained earnings to average equity (ytd only) | 3.9065% | 3,808 |
| Net charge-offs to loans | 0.0085% | 4,716 |
| Credit loss provision to net charge-offs | 5,625.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 280.5000% | 179 |
| Efficiency ratio | 67.2962% | 4,314 |
| Assets per employee ($millions) | 3.0156% | 5,823 |
| Cash dividends to net income (ytd only)* | 73.2854% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2584% | 1,321 |
| Loan loss allowance to noncurrent loans | 84.9012% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.8210% | 2,383 |
| Noncurrent loans to loans | 2.6601% | 1,721 |
| Net loans and leases to total assets | 65.5894% | 2,664 |
| Net loans and leases to deposits | 74.3971% | 3,090 |
| Net loans and leases to core deposits | 79.1699% | 3,135 |
| Total domestic deposits to total assets | 88.1613% | 2,130 |
| Equity capital to assets | 8.5364% | 5,733 |
| Core capital (leverage) ratio | 7.8153% | 6,296 |
| Tier 1 risk-based capital ratio | 10.6508% | 6,461 |
| Total risk-based capital ratio | 11.9107% | 6,430 |
| Memoranda: | ||
| Average total assets | $284,600,000 | 2,259 |
| Average earning assets | $255,642,000 | 2,301 |
| Average equity | $24,728,330 | 2,693 |
| Average total loans | $188,506,330 | 2,115 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 2,276 |
| Cost of funding earning assets | 0.3940% | 5,166 |
| Net interest margin | 4.0758% | 1,535 |
| Noninterest income to average assets | 1.1741% | 1,090 |
| Noninterest expense to average assets | 3.2248% | 2,280 |
| Loan and lease loss provision to assets | 0.2104% | 1,760 |
| Net operating income to assets | 1.3957% | 1,034 |
| Return on assets (ROA) | 1.4251% | 1,073 |
| Pretax return on assets | 1.4251% | 1,785 |
| Return on Equity (ROE) | 16.2602% | 579 |
| Retained earnings to average equity (ytd only) | 16.2602% | 260 |
| Net charge-offs to loans | -0.0426% | 6,063 |
| Credit loss provision to net charge-offs | -750.0000% | 5,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9117% | 4,678 |
| Assets per employee ($millions) | 3.1607% | 5,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1467% | 1,697 |
| Loan loss allowance to noncurrent loans | 85.5988% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.8562% | 2,536 |
| Noncurrent loans to loans | 2.5079% | 2,063 |
| Net loans and leases to total assets | 63.7724% | 2,754 |
| Net loans and leases to deposits | 71.7739% | 3,208 |
| Net loans and leases to core deposits | 76.3569% | 3,267 |
| Total domestic deposits to total assets | 88.8518% | 1,764 |
| Equity capital to assets | 8.8806% | 5,632 |
| Core capital (leverage) ratio | 7.9543% | 6,186 |
| Tier 1 risk-based capital ratio | 10.8440% | 6,469 |
| Total risk-based capital ratio | 12.1027% | 6,437 |
| Memoranda: | ||
| Average total assets | $285,166,000 | 2,286 |
| Average earning assets | $255,850,000 | 2,323 |
| Average equity | $24,993,500 | 2,706 |
| Average total loans | $187,649,000 | 2,140 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5105% | 3,354 |
| Cost of funding earning assets | 0.4646% | 5,459 |
| Net interest margin | 4.0459% | 2,215 |
| Noninterest income to average assets | 1.2193% | 1,049 |
| Noninterest expense to average assets | 3.4018% | 2,043 |
| Loan and lease loss provision to assets | 0.3156% | 2,167 |
| Net operating income to assets | 1.1154% | 1,887 |
| Return on assets (ROA) | 1.1165% | 2,057 |
| Pretax return on assets | 1.1165% | 3,095 |
| Return on Equity (ROE) | 12.2088% | 1,443 |
| Retained earnings to average equity (ytd only) | 7.3506% | 1,399 |
| Net charge-offs to loans | -0.1351% | 6,886 |
| Credit loss provision to net charge-offs | -373.0594% | 6,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8457% | 3,850 |
| Assets per employee ($millions) | 3.2126% | 5,594 |
| Cash dividends to net income (ytd only)* | 39.7924% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0517% | 1,888 |
| Loan loss allowance to noncurrent loans | 86.2000% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 2.2755% | 2,159 |
| Noncurrent loans to loans | 2.3801% | 2,251 |
| Net loans and leases to total assets | 65.0832% | 2,702 |
| Net loans and leases to deposits | 73.2449% | 3,218 |
| Net loans and leases to core deposits | 78.1138% | 3,243 |
| Total domestic deposits to total assets | 88.8570% | 1,673 |
| Equity capital to assets | 8.6464% | 5,909 |
| Core capital (leverage) ratio | 7.9773% | 6,219 |
| Tier 1 risk-based capital ratio | 10.3557% | 6,596 |
| Total risk-based capital ratio | 11.6137% | 6,565 |
| Memoranda: | ||
| Average total assets | $258,836,600 | 2,448 |
| Average earning assets | $231,170,400 | 2,492 |
| Average equity | $23,671,400 | 2,781 |
| Average total loans | $162,083,200 | 2,398 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4946% | 3,658 |
| Cost of funding earning assets | 0.4823% | 5,554 |
| Net interest margin | 4.0124% | 2,457 |
| Noninterest income to average assets | 1.2349% | 979 |
| Noninterest expense to average assets | 3.4378% | 1,904 |
| Loan and lease loss provision to assets | 0.3137% | 2,103 |
| Net operating income to assets | 1.0762% | 2,186 |
| Return on assets (ROA) | 1.0798% | 2,367 |
| Pretax return on assets | 1.0798% | 3,423 |
| Return on Equity (ROE) | 11.6303% | 1,749 |
| Retained earnings to average equity (ytd only) | 6.0934% | 2,638 |
| Net charge-offs to loans | -0.1045% | 6,863 |
| Credit loss provision to net charge-offs | -487.7049% | 6,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0524% | 3,675 |
| Assets per employee ($millions) | 2.9764% | 6,089 |
| Cash dividends to net income (ytd only)* | 47.6075% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0385% | 2,063 |
| Loan loss allowance to noncurrent loans | 41.1669% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 3.7153% | 1,330 |
| Noncurrent loans to loans | 4.9518% | 918 |
| Net loans and leases to total assets | 62.7196% | 3,257 |
| Net loans and leases to deposits | 70.9054% | 3,770 |
| Net loans and leases to core deposits | 75.3095% | 3,812 |
| Total domestic deposits to total assets | 88.4554% | 1,747 |
| Equity capital to assets | 8.8694% | 5,956 |
| Core capital (leverage) ratio | 7.6450% | 6,550 |
| Tier 1 risk-based capital ratio | 10.6506% | 6,616 |
| Total risk-based capital ratio | 11.9080% | 6,602 |
| Memoranda: | ||
| Average total assets | $252,869,250 | 2,528 |
| Average earning assets | $226,428,500 | 2,570 |
| Average equity | $23,478,250 | 2,825 |
| Average total loans | $155,642,000 | 2,525 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3986% | 4,194 |
| Cost of funding earning assets | 0.4904% | 5,681 |
| Net interest margin | 3.9081% | 2,871 |
| Noninterest income to average assets | 1.2816% | 867 |
| Noninterest expense to average assets | 3.2988% | 2,304 |
| Loan and lease loss provision to assets | 0.3605% | 1,833 |
| Net operating income to assets | 1.1342% | 1,934 |
| Return on assets (ROA) | 1.1398% | 2,132 |
| Pretax return on assets | 1.1398% | 3,152 |
| Return on Equity (ROE) | 12.0790% | 1,642 |
| Retained earnings to average equity (ytd only) | 5.4257% | 3,029 |
| Net charge-offs to loans | -0.1496% | 6,941 |
| Credit loss provision to net charge-offs | -397.3214% | 6,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8187% | 3,973 |
| Assets per employee ($millions) | 3.0197% | 6,026 |
| Cash dividends to net income (ytd only)* | 55.0817% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0453% | 2,117 |
| Loan loss allowance to noncurrent loans | 52.4068% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 2.8999% | 1,909 |
| Noncurrent loans to loans | 3.9028% | 1,427 |
| Net loans and leases to total assets | 59.4746% | 3,917 |
| Net loans and leases to deposits | 67.3719% | 4,305 |
| Net loans and leases to core deposits | 70.7314% | 4,446 |
| Total domestic deposits to total assets | 88.2780% | 1,969 |
| Equity capital to assets | 8.6540% | 6,070 |
| Core capital (leverage) ratio | 8.2789% | 5,946 |
| Tier 1 risk-based capital ratio | 10.6546% | 6,640 |
| Total risk-based capital ratio | 11.8897% | 6,634 |
| Memoranda: | ||
| Average total assets | $246,874,670 | 2,584 |
| Average earning assets | $221,844,330 | 2,623 |
| Average equity | $23,296,670 | 2,825 |
| Average total loans | $149,718,330 | 2,621 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5988% | 3,503 |
| Cost of funding earning assets | 0.5070% | 5,770 |
| Net interest margin | 4.0918% | 2,126 |
| Noninterest income to average assets | 1.1688% | 1,044 |
| Noninterest expense to average assets | 3.2317% | 2,502 |
| Loan and lease loss provision to assets | 0.3242% | 1,936 |
| Net operating income to assets | 1.3309% | 1,373 |
| Return on assets (ROA) | 1.3104% | 1,598 |
| Pretax return on assets | 1.3104% | 2,504 |
| Return on Equity (ROE) | 13.2497% | 1,335 |
| Retained earnings to average equity (ytd only) | 13.2497% | 649 |
| Net charge-offs to loans | -0.2365% | 7,026 |
| Credit loss provision to net charge-offs | -226.1905% | 5,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1313% | 4,536 |
| Assets per employee ($millions) | 3.1219% | 5,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1865% | 1,911 |
| Loan loss allowance to noncurrent loans | 233.5347% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 5,379 |
| Noncurrent loans to loans | 0.9362% | 4,796 |
| Net loans and leases to total assets | 58.2986% | 3,989 |
| Net loans and leases to deposits | 66.7613% | 4,268 |
| Net loans and leases to core deposits | 70.6282% | 4,332 |
| Total domestic deposits to total assets | 87.3240% | 2,755 |
| Equity capital to assets | 9.9546% | 4,179 |
| Core capital (leverage) ratio | 10.1255% | 3,208 |
| Tier 1 risk-based capital ratio | 13.4745% | 4,845 |
| Total risk-based capital ratio | 14.7313% | 4,834 |
| Memoranda: | ||
| Average total assets | $234,427,000 | 2,723 |
| Average earning assets | $213,012,500 | 2,735 |
| Average equity | $23,185,500 | 2,834 |
| Average total loans | $142,073,000 | 2,753 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7842% | 3,882 |
| Cost of funding earning assets | 0.6254% | 5,957 |
| Net interest margin | 4.1588% | 2,200 |
| Noninterest income to average assets | 1.0660% | 1,179 |
| Noninterest expense to average assets | 3.3524% | 2,357 |
| Loan and lease loss provision to assets | 0.0695% | 5,744 |
| Net operating income to assets | 1.4044% | 1,024 |
| Return on assets (ROA) | 1.4090% | 1,090 |
| Pretax return on assets | 1.4090% | 1,755 |
| Return on Equity (ROE) | 14.2072% | 884 |
| Retained earnings to average equity (ytd only) | 11.2863% | 374 |
| Net charge-offs to loans | -0.0582% | 7,075 |
| Credit loss provision to net charge-offs | -200.0000% | 6,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4613% | 4,060 |
| Assets per employee ($millions) | 2.9691% | 6,160 |
| Cash dividends to net income (ytd only)* | 20.5592% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9744% | 2,355 |
| Loan loss allowance to noncurrent loans | 204.7965% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 5,359 |
| Noncurrent loans to loans | 0.9641% | 4,779 |
| Net loans and leases to total assets | 60.4147% | 3,914 |
| Net loans and leases to deposits | 73.1367% | 3,643 |
| Net loans and leases to core deposits | 77.6198% | 3,728 |
| Total domestic deposits to total assets | 82.6052% | 4,921 |
| Equity capital to assets | 9.8244% | 4,407 |
| Core capital (leverage) ratio | 10.5157% | 2,711 |
| Tier 1 risk-based capital ratio | 14.1112% | 4,248 |
| Total risk-based capital ratio | 15.3678% | 4,193 |
| Memoranda: | ||
| Average total assets | $215,757,400 | 2,887 |
| Average earning assets | $195,080,800 | 2,915 |
| Average equity | $21,397,600 | 2,963 |
| Average total loans | $128,955,000 | 2,997 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9223% | 3,463 |
| Cost of funding earning assets | 0.8150% | 5,050 |
| Net interest margin | 4.1073% | 2,446 |
| Noninterest income to average assets | 1.0976% | 1,105 |
| Noninterest expense to average assets | 3.2537% | 2,653 |
| Loan and lease loss provision to assets | 0.0503% | 5,816 |
| Net operating income to assets | 1.5318% | 879 |
| Return on assets (ROA) | 1.5318% | 950 |
| Pretax return on assets | 1.5318% | 1,572 |
| Return on Equity (ROE) | 14.9893% | 841 |
| Retained earnings to average equity (ytd only) | 10.0716% | 825 |
| Net charge-offs to loans | -0.0680% | 7,108 |
| Credit loss provision to net charge-offs | -128.2051% | 6,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2833% | 4,469 |
| Assets per employee ($millions) | 2.9938% | 6,129 |
| Cash dividends to net income (ytd only)* | 32.8084% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0430% | 2,222 |
| Loan loss allowance to noncurrent loans | 414.2480% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.4783% | 5,886 |
| Noncurrent loans to loans | 0.4932% | 5,859 |
| Net loans and leases to total assets | 57.1471% | 4,655 |
| Net loans and leases to deposits | 68.1659% | 4,577 |
| Net loans and leases to core deposits | 73.4818% | 4,531 |
| Total domestic deposits to total assets | 83.8353% | 4,309 |
| Equity capital to assets | 10.8848% | 3,256 |
| Core capital (leverage) ratio | 10.6602% | 2,701 |
| Tier 1 risk-based capital ratio | 16.7797% | 2,729 |
| Total risk-based capital ratio | 18.0369% | 2,698 |
| Memoranda: | ||
| Average total assets | $132,647,250 | 4,137 |
| Average earning assets | $120,726,500 | 4,134 |
| Average equity | $13,556,000 | 4,226 |
| Average total loans | $76,467,500 | 4,298 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6584% | 4,712 |
| Cost of funding earning assets | 0.8257% | 5,211 |
| Net interest margin | 3.8327% | 3,632 |
| Noninterest income to average assets | 1.1628% | 940 |
| Noninterest expense to average assets | 3.2206% | 2,832 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4336% | 1,013 |
| Return on assets (ROA) | 1.4336% | 1,071 |
| Pretax return on assets | 1.4336% | 1,712 |
| Return on Equity (ROE) | 14.3359% | 912 |
| Retained earnings to average equity (ytd only) | 8.3187% | 1,337 |
| Net charge-offs to loans | -0.4349% | 7,385 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1984% | 4,288 |
| Assets per employee ($millions) | 2.9638% | 6,158 |
| Cash dividends to net income (ytd only)* | 41.9727% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1050% | 2,111 |
| Loan loss allowance to noncurrent loans | 328.7425% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 5,871 |
| Noncurrent loans to loans | 0.6403% | 5,643 |
| Net loans and leases to total assets | 58.7369% | 4,508 |
| Net loans and leases to deposits | 69.7300% | 4,471 |
| Net loans and leases to core deposits | 75.7636% | 4,345 |
| Total domestic deposits to total assets | 84.2347% | 4,242 |
| Equity capital to assets | 10.5516% | 3,441 |
| Core capital (leverage) ratio | 10.1790% | 3,055 |
| Tier 1 risk-based capital ratio | 16.3344% | 2,816 |
| Total risk-based capital ratio | 17.5939% | 2,778 |
| Memoranda: | ||
| Average total assets | $132,954,670 | 4,164 |
| Average earning assets | $121,115,670 | 4,165 |
| Average equity | $13,295,330 | 4,276 |
| Average total loans | $76,341,000 | 4,336 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 5,131 |
| Cost of funding earning assets | 0.8268% | 5,416 |
| Net interest margin | 3.7324% | 3,935 |
| Noninterest income to average assets | 1.0251% | 1,253 |
| Noninterest expense to average assets | 3.2095% | 2,867 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1652% | 1,608 |
| Return on assets (ROA) | 1.1652% | 1,665 |
| Pretax return on assets | 1.1652% | 2,496 |
| Return on Equity (ROE) | 11.9727% | 1,471 |
| Retained earnings to average equity (ytd only) | 2.7865% | 4,500 |
| Net charge-offs to loans | -0.8065% | 7,467 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3651% | 3,629 |
| Assets per employee ($millions) | 2.9695% | 6,199 |
| Cash dividends to net income (ytd only)* | 76.7263% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1716% | 2,026 |
| Loan loss allowance to noncurrent loans | 401.2285% | 781 |
| Noncurrent assets plus other real estate owned to assets | 1.6060% | 3,834 |
| Noncurrent loans to loans | 0.5412% | 5,943 |
| Net loans and leases to total assets | 55.0532% | 5,151 |
| Net loans and leases to deposits | 64.4236% | 5,199 |
| Net loans and leases to core deposits | 69.6760% | 5,086 |
| Total domestic deposits to total assets | 85.4550% | 3,809 |
| Equity capital to assets | 9.8259% | 4,003 |
| Core capital (leverage) ratio | 10.1105% | 3,019 |
| Tier 1 risk-based capital ratio | 15.7150% | 3,049 |
| Total risk-based capital ratio | 16.9733% | 3,002 |
| Memoranda: | ||
| Average total assets | $134,228,500 | 4,169 |
| Average earning assets | $120,459,000 | 4,208 |
| Average equity | $13,063,000 | 4,325 |
| Average total loans | $75,389,500 | 4,406 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9410% | 4,829 |
| Cost of funding earning assets | 1.0533% | 5,412 |
| Net interest margin | 3.8877% | 3,549 |
| Noninterest income to average assets | 0.6771% | 2,982 |
| Noninterest expense to average assets | 3.2190% | 3,016 |
| Loan and lease loss provision to assets | 0.2889% | 4,490 |
| Net operating income to assets | 0.6917% | 3,262 |
| Return on assets (ROA) | 0.7040% | 3,343 |
| Pretax return on assets | 0.7040% | 3,963 |
| Return on Equity (ROE) | 7.1812% | 3,036 |
| Retained earnings to average equity (ytd only) | 7.1812% | 1,251 |
| Net charge-offs to loans | 0.4621% | 3,772 |
| Credit loss provision to net charge-offs | 103.3058% | 4,364 |
| Earnings coverage of net charge-offs (x) | 3.5069% | 3,328 |
| Efficiency ratio | 76.6508% | 2,940 |
| Assets per employee ($millions) | 3.1356% | 5,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9595% | 2,402 |
| Loan loss allowance to noncurrent loans | 411.3889% | 758 |
| Noncurrent assets plus other real estate owned to assets | 1.8067% | 3,616 |
| Noncurrent loans to loans | 0.4763% | 6,087 |
| Net loans and leases to total assets | 54.9574% | 5,497 |
| Net loans and leases to deposits | 65.2791% | 5,485 |
| Net loans and leases to core deposits | 70.7882% | 5,360 |
| Total domestic deposits to total assets | 84.1882% | 4,278 |
| Equity capital to assets | 9.6388% | 4,224 |
| Core capital (leverage) ratio | 10.3066% | 2,764 |
| Tier 1 risk-based capital ratio | 14.6378% | 3,456 |
| Total risk-based capital ratio | 15.8928% | 3,418 |
| Memoranda: | ||
| Average total assets | $129,824,400 | 4,275 |
| Average earning assets | $117,628,800 | 4,278 |
| Average equity | $12,727,600 | 4,418 |
| Average total loans | $78,555,800 | 4,376 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0669% | 4,496 |
| Cost of funding earning assets | 1.1027% | 5,400 |
| Net interest margin | 3.9642% | 3,268 |
| Noninterest income to average assets | 0.8327% | 2,065 |
| Noninterest expense to average assets | 3.4999% | 2,034 |
| Loan and lease loss provision to assets | 0.3370% | 3,908 |
| Net operating income to assets | 0.5932% | 3,906 |
| Return on assets (ROA) | 0.5952% | 4,051 |
| Pretax return on assets | 0.5952% | 4,611 |
| Return on Equity (ROE) | 6.0449% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.0449% | 2,330 |
| Net charge-offs to loans | 0.6591% | 2,786 |
| Credit loss provision to net charge-offs | 82.9082% | 5,042 |
| Earnings coverage of net charge-offs (x) | 2.2883% | 4,021 |
| Efficiency ratio | 79.0028% | 2,486 |
| Assets per employee ($millions) | 2.8917% | 6,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8588% | 2,599 |
| Loan loss allowance to noncurrent loans | 155.0885% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 2.2655% | 3,124 |
| Noncurrent loans to loans | 1.1986% | 4,845 |
| Net loans and leases to total assets | 59.5302% | 4,997 |
| Net loans and leases to deposits | 71.9013% | 4,857 |
| Net loans and leases to core deposits | 78.6579% | 4,718 |
| Total domestic deposits to total assets | 82.7942% | 4,679 |
| Equity capital to assets | 10.3931% | 3,648 |
| Core capital (leverage) ratio | 10.0303% | 3,223 |
| Tier 1 risk-based capital ratio | 15.5591% | 2,968 |
| Total risk-based capital ratio | 16.8153% | 2,927 |
| Memoranda: | ||
| Average total assets | $128,573,000 | 4,362 |
| Average earning assets | $116,675,000 | 4,364 |
| Average equity | $12,660,500 | 4,509 |
| Average total loans | $79,299,750 | 4,421 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0184% | 4,861 |
| Cost of funding earning assets | 1.1296% | 5,523 |
| Net interest margin | 3.8887% | 3,498 |
| Noninterest income to average assets | 0.8647% | 1,817 |
| Noninterest expense to average assets | 3.3835% | 2,308 |
| Loan and lease loss provision to assets | 0.3924% | 3,366 |
| Net operating income to assets | 0.6324% | 3,725 |
| Return on assets (ROA) | 0.6355% | 3,843 |
| Pretax return on assets | 0.6355% | 4,450 |
| Return on Equity (ROE) | 6.5696% | 3,519 |
| Retained earnings to average equity (ytd only) | 6.5696% | 2,039 |
| Net charge-offs to loans | 0.9753% | 1,898 |
| Credit loss provision to net charge-offs | 64.8855% | 5,097 |
| Earnings coverage of net charge-offs (x) | 1.6947% | 4,241 |
| Efficiency ratio | 76.7539% | 2,942 |
| Assets per employee ($millions) | 2.8795% | 6,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7456% | 2,914 |
| Loan loss allowance to noncurrent loans | 100.2259% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 3.3244% | 2,123 |
| Noncurrent loans to loans | 1.7417% | 4,071 |
| Net loans and leases to total assets | 59.1291% | 5,222 |
| Net loans and leases to deposits | 71.2420% | 5,110 |
| Net loans and leases to core deposits | 78.2437% | 4,906 |
| Total domestic deposits to total assets | 82.9975% | 4,576 |
| Equity capital to assets | 10.0411% | 3,969 |
| Core capital (leverage) ratio | 9.6771% | 3,571 |
| Tier 1 risk-based capital ratio | 14.8427% | 3,242 |
| Total risk-based capital ratio | 16.0459% | 3,234 |
| Memoranda: | ||
| Average total assets | $129,983,330 | 4,354 |
| Average earning assets | $118,444,330 | 4,355 |
| Average equity | $12,573,000 | 4,530 |
| Average total loans | $80,592,000 | 4,429 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8941% | 5,488 |
| Cost of funding earning assets | 1.1818% | 5,500 |
| Net interest margin | 3.7123% | 4,177 |
| Noninterest income to average assets | 0.9968% | 1,321 |
| Noninterest expense to average assets | 3.2577% | 2,682 |
| Loan and lease loss provision to assets | 0.4558% | 2,690 |
| Net operating income to assets | 0.6625% | 3,604 |
| Return on assets (ROA) | 0.6655% | 3,699 |
| Pretax return on assets | 0.6655% | 4,356 |
| Return on Equity (ROE) | 7.0088% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.0088% | 2,125 |
| Net charge-offs to loans | 1.3726% | 1,253 |
| Credit loss provision to net charge-offs | 52.8169% | 4,439 |
| Earnings coverage of net charge-offs (x) | 1.2958% | 3,973 |
| Efficiency ratio | 74.4444% | 3,499 |
| Assets per employee ($millions) | 2.7425% | 6,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 3,236 |
| Loan loss allowance to noncurrent loans | 74.9579% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 3.4834% | 2,023 |
| Noncurrent loans to loans | 2.2062% | 3,518 |
| Net loans and leases to total assets | 61.5921% | 4,840 |
| Net loans and leases to deposits | 73.7937% | 4,777 |
| Net loans and leases to core deposits | 80.0280% | 4,761 |
| Total domestic deposits to total assets | 83.4652% | 4,403 |
| Equity capital to assets | 9.7465% | 4,176 |
| Core capital (leverage) ratio | 9.4803% | 3,801 |
| Tier 1 risk-based capital ratio | 13.0162% | 4,321 |
| Total risk-based capital ratio | 14.2486% | 4,307 |
| Memoranda: | ||
| Average total assets | $131,625,500 | 4,366 |
| Average earning assets | $119,818,500 | 4,379 |
| Average equity | $12,498,500 | 4,588 |
| Average total loans | $82,764,500 | 4,417 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6404% | 3,394 |
| Cost of funding earning assets | 1.3485% | 6,148 |
| Net interest margin | 4.2919% | 1,739 |
| Noninterest income to average assets | 1.2782% | 920 |
| Noninterest expense to average assets | 4.5450% | 762 |
| Loan and lease loss provision to assets | 1.3248% | 1,736 |
| Net operating income to assets | -0.6361% | 6,302 |
| Return on assets (ROA) | -0.5812% | 6,248 |
| Pretax return on assets | -0.5812% | 6,080 |
| Return on Equity (ROE) | -6.1096% | 6,317 |
| Retained earnings to average equity (ytd only) | -7.8880% | 6,338 |
| Net charge-offs to loans | 1.8641% | 1,340 |
| Credit loss provision to net charge-offs | 105.0060% | 5,265 |
| Earnings coverage of net charge-offs (x) | 0.5459% | 5,564 |
| Efficiency ratio | 86.8410% | 2,017 |
| Assets per employee ($millions) | 2.9856% | 6,257 |
| Cash dividends to net income (ytd only)* | -29.1074% | 7,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7323% | 2,777 |
| Loan loss allowance to noncurrent loans | 58.0403% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 3.7439% | 1,779 |
| Noncurrent loans to loans | 2.9846% | 2,574 |
| Net loans and leases to total assets | 62.0262% | 4,986 |
| Net loans and leases to deposits | 72.8393% | 5,216 |
| Net loans and leases to core deposits | 92.9445% | 4,787 |
| Total domestic deposits to total assets | 85.1548% | 3,484 |
| Equity capital to assets | 9.2547% | 4,763 |
| Core capital (leverage) ratio | 9.6317% | 3,545 |
| Tier 1 risk-based capital ratio | 12.6625% | 4,393 |
| Total risk-based capital ratio | 13.8486% | 4,392 |
| Memoranda: | ||
| Average total assets | $133,002,400 | 4,276 |
| Average earning assets | $122,579,200 | 4,253 |
| Average equity | $12,652,200 | 4,601 |
| Average total loans | $90,019,000 | 4,209 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7883% | 2,941 |
| Cost of funding earning assets | 1.4001% | 6,230 |
| Net interest margin | 4.3883% | 1,468 |
| Noninterest income to average assets | 1.5216% | 641 |
| Noninterest expense to average assets | 4.8703% | 536 |
| Loan and lease loss provision to assets | 1.5608% | 1,216 |
| Net operating income to assets | -0.8523% | 6,729 |
| Return on assets (ROA) | -0.7759% | 6,677 |
| Pretax return on assets | -0.7759% | 6,527 |
| Return on Equity (ROE) | -8.1005% | 6,743 |
| Retained earnings to average equity (ytd only) | -10.4614% | 6,847 |
| Net charge-offs to loans | 1.5578% | 1,313 |
| Credit loss provision to net charge-offs | 145.5483% | 3,342 |
| Earnings coverage of net charge-offs (x) | 0.6607% | 5,371 |
| Efficiency ratio | 87.2996% | 1,937 |
| Assets per employee ($millions) | 2.5954% | 7,056 |
| Cash dividends to net income (ytd only)* | -29.1448% | 7,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1127% | 1,576 |
| Loan loss allowance to noncurrent loans | 73.0574% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 2.8921% | 2,400 |
| Noncurrent loans to loans | 2.8918% | 2,635 |
| Net loans and leases to total assets | 68.1651% | 3,922 |
| Net loans and leases to deposits | 80.7754% | 4,240 |
| Net loans and leases to core deposits | 104.0372% | 3,931 |
| Total domestic deposits to total assets | 84.3884% | 3,536 |
| Equity capital to assets | 9.8172% | 4,327 |
| Core capital (leverage) ratio | 9.3954% | 4,054 |
| Tier 1 risk-based capital ratio | 13.4922% | 3,855 |
| Total risk-based capital ratio | 14.7524% | 3,784 |
| Memoranda: | ||
| Average total assets | $132,664,750 | 4,306 |
| Average earning assets | $122,657,500 | 4,285 |
| Average equity | $12,706,750 | 4,601 |
| Average total loans | $91,323,000 | 4,210 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7963% | 3,063 |
| Cost of funding earning assets | 1.4458% | 6,330 |
| Net interest margin | 4.3504% | 1,521 |
| Noninterest income to average assets | 1.3324% | 866 |
| Noninterest expense to average assets | 5.4010% | 398 |
| Loan and lease loss provision to assets | 2.1503% | 743 |
| Net operating income to assets | -2.1964% | 7,480 |
| Return on assets (ROA) | -2.1458% | 7,463 |
| Pretax return on assets | -2.1458% | 7,330 |
| Return on Equity (ROE) | -22.5810% | 7,577 |
| Retained earnings to average equity (ytd only) | -26.1019% | 7,614 |
| Net charge-offs to loans | 1.8971% | 987 |
| Credit loss provision to net charge-offs | 165.2571% | 2,773 |
| Earnings coverage of net charge-offs (x) | -0.0354% | 5,725 |
| Efficiency ratio | 100.8609% | 1,134 |
| Assets per employee ($millions) | 2.5444% | 7,163 |
| Cash dividends to net income (ytd only)* | -15.5925% | 7,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0964% | 1,405 |
| Loan loss allowance to noncurrent loans | 111.8993% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 2.0807% | 3,084 |
| Noncurrent loans to loans | 1.8735% | 3,695 |
| Net loans and leases to total assets | 70.3921% | 3,610 |
| Net loans and leases to deposits | 82.8947% | 4,064 |
| Net loans and leases to core deposits | 110.1790% | 3,354 |
| Total domestic deposits to total assets | 84.9175% | 3,302 |
| Equity capital to assets | 9.0193% | 5,288 |
| Core capital (leverage) ratio | 8.3880% | 5,646 |
| Tier 1 risk-based capital ratio | 12.5010% | 4,518 |
| Total risk-based capital ratio | 13.7619% | 4,430 |
| Memoranda: | ||
| Average total assets | $134,494,670 | 4,294 |
| Average earning assets | $124,356,000 | 4,260 |
| Average equity | $12,780,670 | 4,603 |
| Average total loans | $92,244,000 | 4,223 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6642% | 3,969 |
| Cost of funding earning assets | 1.5090% | 6,376 |
| Net interest margin | 4.1553% | 2,073 |
| Noninterest income to average assets | 1.3035% | 843 |
| Noninterest expense to average assets | 4.0655% | 1,101 |
| Loan and lease loss provision to assets | 0.7161% | 1,791 |
| Net operating income to assets | 0.3449% | 5,090 |
| Return on assets (ROA) | 0.4121% | 4,991 |
| Pretax return on assets | 0.4121% | 5,358 |
| Return on Equity (ROE) | 4.2346% | 4,825 |
| Retained earnings to average equity (ytd only) | -2.5227% | 6,198 |
| Net charge-offs to loans | 0.2748% | 3,026 |
| Credit loss provision to net charge-offs | 388.8889% | 1,326 |
| Earnings coverage of net charge-offs (x) | 5.7619% | 2,610 |
| Efficiency ratio | 79.3044% | 2,944 |
| Assets per employee ($millions) | 2.7275% | 6,821 |
| Cash dividends to net income (ytd only)* | 159.5745% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6798% | 2,211 |
| Loan loss allowance to noncurrent loans | 53.5726% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 2.1448% | 2,684 |
| Noncurrent loans to loans | 3.1356% | 2,062 |
| Net loans and leases to total assets | 67.2525% | 4,300 |
| Net loans and leases to deposits | 79.2029% | 4,740 |
| Net loans and leases to core deposits | 105.6185% | 3,954 |
| Total domestic deposits to total assets | 84.9117% | 3,250 |
| Equity capital to assets | 9.6358% | 4,475 |
| Core capital (leverage) ratio | 9.6227% | 3,849 |
| Tier 1 risk-based capital ratio | 13.9259% | 3,635 |
| Total risk-based capital ratio | 15.1810% | 3,552 |
| Memoranda: | ||
| Average total assets | $136,859,000 | 4,253 |
| Average earning assets | $125,913,000 | 4,244 |
| Average equity | $13,319,000 | 4,496 |
| Average total loans | $91,715,500 | 4,267 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3496% | 3,694 |
| Cost of funding earning assets | 2.0527% | 6,227 |
| Net interest margin | 4.2969% | 1,987 |
| Noninterest income to average assets | 1.2086% | 1,019 |
| Noninterest expense to average assets | 3.8888% | 1,582 |
| Loan and lease loss provision to assets | 0.3346% | 3,709 |
| Net operating income to assets | 0.9771% | 2,651 |
| Return on assets (ROA) | 1.0409% | 2,284 |
| Pretax return on assets | 1.0409% | 3,233 |
| Return on Equity (ROE) | 10.0202% | 2,256 |
| Retained earnings to average equity (ytd only) | 3.7670% | 2,791 |
| Net charge-offs to loans | 0.5213% | 2,281 |
| Credit loss provision to net charge-offs | 100.9501% | 5,261 |
| Earnings coverage of net charge-offs (x) | 3.9572% | 4,163 |
| Efficiency ratio | 74.7767% | 3,445 |
| Assets per employee ($millions) | 2.7468% | 6,684 |
| Cash dividends to net income (ytd only)* | 62.4054% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 2,516 |
| Loan loss allowance to noncurrent loans | 26.5021% | 6,917 |
| Noncurrent assets plus other real estate owned to assets | 3.8051% | 1,120 |
| Noncurrent loans to loans | 5.7972% | 648 |
| Net loans and leases to total assets | 64.6289% | 5,146 |
| Net loans and leases to deposits | 76.4366% | 5,542 |
| Net loans and leases to core deposits | 98.2413% | 5,016 |
| Total domestic deposits to total assets | 84.5523% | 3,046 |
| Equity capital to assets | 9.8274% | 4,254 |
| Core capital (leverage) ratio | 9.8189% | 3,626 |
| Tier 1 risk-based capital ratio | 13.5048% | 3,817 |
| Total risk-based capital ratio | 14.7568% | 3,712 |
| Memoranda: | ||
| Average total assets | $127,006,200 | 4,352 |
| Average earning assets | $117,992,600 | 4,306 |
| Average equity | $13,193,400 | 4,524 |
| Average total loans | $80,766,400 | 4,496 |