Home > Farmers and Merchants Bank > Performance and Condition Ratios
Farmers and Merchants Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5623% | 3,807 |
| Cost of funding earning assets | 1.7134% | 2,695 |
| Net interest margin | 2.8489% | 3,635 |
| Noninterest income to average assets | 0.3500% | 2,536 |
| Noninterest expense to average assets | 1.8690% | 3,803 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 1.1019% | 2,005 |
| Return on assets (ROA) | 1.1019% | 2,001 |
| Pretax return on assets | 1.1019% | 2,499 |
| Return on Equity (ROE) | 15.2200% | 1,026 |
| Retained earnings to average equity (ytd only) | 15.2168% | 399 |
| Net charge-offs to loans | 0.0048% | 2,087 |
| Credit loss provision to net charge-offs | 2,450.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 397.0000% | 238 |
| Efficiency ratio | 61.0593% | 2,825 |
| Assets per employee ($millions) | 9.9797% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6372% | 4,118 |
| Loan loss allowance to noncurrent loans | 824.4275% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 3,348 |
| Noncurrent loans to loans | 0.0773% | 3,286 |
| Net loans and leases to total assets | 60.2700% | 2,849 |
| Net loans and leases to deposits | 65.3476% | 3,176 |
| Net loans and leases to core deposits | 65.7723% | 3,481 |
| Total domestic deposits to total assets | 92.2200% | 239 |
| Equity capital to assets | 7.1599% | 3,982 |
| Core capital (leverage) ratio | 9.4106% | 3,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $266,453,000 | 2,644 |
| Average earning assets | $253,293,500 | 2,610 |
| Average equity | $19,294,500 | 3,053 |
| Average total loans | $168,064,500 | 2,626 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4884% | 3,877 |
| Cost of funding earning assets | 1.7480% | 2,855 |
| Net interest margin | 2.7404% | 3,571 |
| Noninterest income to average assets | 0.3600% | 2,692 |
| Noninterest expense to average assets | 1.8511% | 3,875 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.0763% | 1,820 |
| Return on assets (ROA) | 1.0763% | 1,827 |
| Pretax return on assets | 1.0763% | 2,312 |
| Return on Equity (ROE) | 15.6800% | 831 |
| Retained earnings to average equity (ytd only) | 9.0524% | 784 |
| Net charge-offs to loans | 0.0188% | 2,244 |
| Credit loss provision to net charge-offs | 241.3793% | 1,018 |
| Earnings coverage of net charge-offs (x) | 96.1034% | 821 |
| Efficiency ratio | 62.6408% | 2,871 |
| Assets per employee ($millions) | 9.3849% | 931 |
| Cash dividends to net income (ytd only)* | 42.2525% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6703% | 4,099 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 65.3300% | 2,434 |
| Net loans and leases to deposits | 70.9249% | 2,880 |
| Net loans and leases to core deposits | 71.2411% | 3,292 |
| Total domestic deposits to total assets | 92.1000% | 284 |
| Equity capital to assets | 7.3333% | 3,843 |
| Core capital (leverage) ratio | 9.5144% | 3,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $252,439,000 | 2,687 |
| Average earning assets | $238,906,400 | 2,658 |
| Average equity | $17,332,400 | 3,157 |
| Average total loans | $154,418,800 | 2,687 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3949% | 3,966 |
| Cost of funding earning assets | 1.7510% | 2,837 |
| Net interest margin | 2.6438% | 3,695 |
| Noninterest income to average assets | 0.3600% | 2,665 |
| Noninterest expense to average assets | 1.8181% | 3,902 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 1.0203% | 1,982 |
| Return on assets (ROA) | 1.0203% | 1,986 |
| Pretax return on assets | 1.0203% | 2,490 |
| Return on Equity (ROE) | 15.1200% | 934 |
| Retained earnings to average equity (ytd only) | 8.9696% | 1,129 |
| Net charge-offs to loans | 0.0273% | 1,772 |
| Credit loss provision to net charge-offs | 129.0323% | 1,424 |
| Earnings coverage of net charge-offs (x) | 63.5484% | 1,064 |
| Efficiency ratio | 63.5792% | 2,761 |
| Assets per employee ($millions) | 9.0642% | 1,043 |
| Cash dividends to net income (ytd only)* | 40.6736% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6733% | 4,129 |
| Loan loss allowance to noncurrent loans | 13,562.5000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 3,799 |
| Noncurrent loans to loans | 0.0050% | 3,769 |
| Net loans and leases to total assets | 63.0600% | 2,628 |
| Net loans and leases to deposits | 68.6757% | 3,080 |
| Net loans and leases to core deposits | 68.8743% | 3,447 |
| Total domestic deposits to total assets | 91.8300% | 206 |
| Equity capital to assets | 7.4961% | 3,966 |
| Core capital (leverage) ratio | 9.4191% | 3,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $252,201,000 | 2,682 |
| Average earning assets | $238,788,250 | 2,654 |
| Average equity | $17,020,000 | 3,187 |
| Average total loans | $151,362,250 | 2,710 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2660% | 4,063 |
| Cost of funding earning assets | 1.7398% | 2,771 |
| Net interest margin | 2.5262% | 3,842 |
| Noninterest income to average assets | 0.3500% | 2,689 |
| Noninterest expense to average assets | 1.7785% | 3,965 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 0.9433% | 2,174 |
| Return on assets (ROA) | 0.9433% | 2,178 |
| Pretax return on assets | 0.9433% | 2,647 |
| Return on Equity (ROE) | 14.5200% | 1,066 |
| Retained earnings to average equity (ytd only) | 8.5251% | 1,223 |
| Net charge-offs to loans | 0.0284% | 1,586 |
| Credit loss provision to net charge-offs | 95.2381% | 1,541 |
| Earnings coverage of net charge-offs (x) | 57.4762% | 1,035 |
| Efficiency ratio | 64.9637% | 2,658 |
| Assets per employee ($millions) | 9.1179% | 965 |
| Cash dividends to net income (ytd only)* | 41.2805% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7065% | 4,101 |
| Loan loss allowance to noncurrent loans | 26,875.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 3,823 |
| Noncurrent loans to loans | 0.0026% | 3,789 |
| Net loans and leases to total assets | 59.1800% | 3,027 |
| Net loans and leases to deposits | 63.7376% | 3,375 |
| Net loans and leases to core deposits | 63.9166% | 3,628 |
| Total domestic deposits to total assets | 92.8400% | 161 |
| Equity capital to assets | 6.5495% | 4,091 |
| Core capital (leverage) ratio | 9.3785% | 3,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $251,668,667 | 2,682 |
| Average earning assets | $238,067,000 | 2,656 |
| Average equity | $16,351,667 | 3,212 |
| Average total loans | $148,104,667 | 2,737 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1521% | 4,125 |
| Cost of funding earning assets | 1.7181% | 2,722 |
| Net interest margin | 2.4341% | 3,962 |
| Noninterest income to average assets | 0.3500% | 2,619 |
| Noninterest expense to average assets | 1.7626% | 4,006 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.8741% | 2,307 |
| Return on assets (ROA) | 0.8741% | 2,324 |
| Pretax return on assets | 0.8741% | 2,732 |
| Return on Equity (ROE) | 13.5100% | 1,235 |
| Retained earnings to average equity (ytd only) | 13.5090% | 549 |
| Net charge-offs to loans | 0.0575% | 983 |
| Credit loss provision to net charge-offs | 42.8571% | 1,424 |
| Earnings coverage of net charge-offs (x) | 26.4286% | 1,218 |
| Efficiency ratio | 66.4855% | 2,561 |
| Assets per employee ($millions) | 8.9933% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7203% | 4,084 |
| Loan loss allowance to noncurrent loans | 5,911.1111% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 3,775 |
| Noncurrent loans to loans | 0.0122% | 3,703 |
| Net loans and leases to total assets | 58.2400% | 3,035 |
| Net loans and leases to deposits | 62.6809% | 3,360 |
| Net loans and leases to core deposits | 62.7904% | 3,659 |
| Total domestic deposits to total assets | 92.9200% | 197 |
| Equity capital to assets | 6.5251% | 4,073 |
| Core capital (leverage) ratio | 9.4639% | 3,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $249,853,000 | 2,699 |
| Average earning assets | $236,311,500 | 2,677 |
| Average equity | $16,167,000 | 3,239 |
| Average total loans | $146,082,500 | 2,757 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7979% | 4,184 |
| Cost of funding earning assets | 1.2313% | 2,725 |
| Net interest margin | 2.5666% | 4,011 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 1.9769% | 3,687 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.8097% | 2,837 |
| Return on assets (ROA) | 0.8097% | 2,819 |
| Pretax return on assets | 0.8097% | 3,191 |
| Return on Equity (ROE) | 13.9900% | 1,488 |
| Retained earnings to average equity (ytd only) | 7.3519% | 1,775 |
| Net charge-offs to loans | 0.0022% | 2,732 |
| Credit loss provision to net charge-offs | 1,200.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 658.3333% | 221 |
| Efficiency ratio | 70.5619% | 1,810 |
| Assets per employee ($millions) | 8.8534% | 1,037 |
| Cash dividends to net income (ytd only)* | 47.4471% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7450% | 4,061 |
| Loan loss allowance to noncurrent loans | 505.1643% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 2,961 |
| Noncurrent loans to loans | 0.1475% | 2,775 |
| Net loans and leases to total assets | 57.8300% | 3,055 |
| Net loans and leases to deposits | 62.1483% | 3,398 |
| Net loans and leases to core deposits | 62.2573% | 3,667 |
| Total domestic deposits to total assets | 93.0600% | 169 |
| Equity capital to assets | 6.4152% | 4,147 |
| Core capital (leverage) ratio | 9.4797% | 3,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $239,461,600 | 2,741 |
| Average earning assets | $225,861,000 | 2,712 |
| Average equity | $13,860,400 | 3,354 |
| Average total loans | $137,039,200 | 2,799 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7421% | 4,164 |
| Cost of funding earning assets | 1.0992% | 2,743 |
| Net interest margin | 2.6429% | 3,958 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.0385% | 3,497 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.8291% | 2,935 |
| Return on assets (ROA) | 0.8291% | 2,921 |
| Pretax return on assets | 0.8291% | 3,268 |
| Return on Equity (ROE) | 14.7400% | 1,499 |
| Retained earnings to average equity (ytd only) | 7.8501% | 2,018 |
| Net charge-offs to loans | -0.0010% | 3,482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.7132% | 1,705 |
| Assets per employee ($millions) | 8.4008% | 1,164 |
| Cash dividends to net income (ytd only)* | 46.7480% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6705% | 4,179 |
| Loan loss allowance to noncurrent loans | 498.4127% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 3,055 |
| Noncurrent loans to loans | 0.1345% | 2,882 |
| Net loans and leases to total assets | 59.3300% | 2,906 |
| Net loans and leases to deposits | 63.3898% | 3,298 |
| Net loans and leases to core deposits | 63.5052% | 3,557 |
| Total domestic deposits to total assets | 93.5900% | 231 |
| Equity capital to assets | 5.7210% | 4,078 |
| Core capital (leverage) ratio | 9.7659% | 3,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8540% | 2,322 |
| Memoranda: | ||
| Average total assets | $237,353,500 | 2,763 |
| Average earning assets | $223,791,750 | 2,730 |
| Average equity | $13,349,750 | 3,390 |
| Average total loans | $135,189,250 | 2,820 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6780% | 4,168 |
| Cost of funding earning assets | 0.8870% | 2,968 |
| Net interest margin | 2.7910% | 3,834 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.1188% | 3,297 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.8704% | 2,851 |
| Return on assets (ROA) | 0.8704% | 2,845 |
| Pretax return on assets | 0.8704% | 3,235 |
| Return on Equity (ROE) | 15.5600% | 1,348 |
| Retained earnings to average equity (ytd only) | 8.6525% | 1,776 |
| Net charge-offs to loans | -0.0015% | 3,497 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.5257% | 1,716 |
| Assets per employee ($millions) | 8.2948% | 1,192 |
| Cash dividends to net income (ytd only)* | 44.4015% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6636% | 4,234 |
| Loan loss allowance to noncurrent loans | 504.3243% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 2,973 |
| Noncurrent loans to loans | 0.1316% | 2,815 |
| Net loans and leases to total assets | 60.1400% | 2,758 |
| Net loans and leases to deposits | 64.2550% | 3,173 |
| Net loans and leases to core deposits | 64.2550% | 3,436 |
| Total domestic deposits to total assets | 93.5900% | 180 |
| Equity capital to assets | 5.7597% | 4,215 |
| Core capital (leverage) ratio | 9.4733% | 3,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $238,064,000 | 2,765 |
| Average earning assets | $224,797,000 | 2,731 |
| Average equity | $13,314,000 | 3,407 |
| Average total loans | $133,420,333 | 2,833 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4304% | 4,345 |
| Cost of funding earning assets | 0.7222% | 2,980 |
| Net interest margin | 2.7082% | 4,064 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.2692% | 2,893 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.6457% | 3,592 |
| Return on assets (ROA) | 0.6457% | 3,555 |
| Pretax return on assets | 0.6457% | 3,762 |
| Return on Equity (ROE) | 11.7100% | 2,294 |
| Retained earnings to average equity (ytd only) | 11.7147% | 1,318 |
| Net charge-offs to loans | -0.0062% | 3,699 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.4504% | 1,052 |
| Assets per employee ($millions) | 7.9033% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7024% | 4,243 |
| Loan loss allowance to noncurrent loans | 557.2289% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 3,122 |
| Noncurrent loans to loans | 0.1260% | 2,883 |
| Net loans and leases to total assets | 53.3800% | 3,241 |
| Net loans and leases to deposits | 56.8795% | 3,519 |
| Net loans and leases to core deposits | 56.8795% | 3,696 |
| Total domestic deposits to total assets | 93.8400% | 187 |
| Equity capital to assets | 5.6118% | 4,313 |
| Core capital (leverage) ratio | 9.3460% | 3,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5623% | 1,774 |
| Memoranda: | ||
| Average total assets | $240,969,500 | 2,784 |
| Average earning assets | $228,192,500 | 2,749 |
| Average equity | $13,282,500 | 3,448 |
| Average total loans | $129,831,000 | 2,893 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0760% | 4,033 |
| Cost of funding earning assets | 0.1956% | 3,794 |
| Net interest margin | 2.8804% | 3,724 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.9786% | 3,641 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.0876% | 2,229 |
| Return on assets (ROA) | 1.0327% | 2,385 |
| Pretax return on assets | 1.0327% | 2,966 |
| Return on Equity (ROE) | 16.2100% | 1,012 |
| Retained earnings to average equity (ytd only) | 9.9167% | 1,182 |
| Net charge-offs to loans | 0.0090% | 2,049 |
| Credit loss provision to net charge-offs | 327.2727% | 873 |
| Earnings coverage of net charge-offs (x) | 230.1818% | 582 |
| Efficiency ratio | 64.2019% | 2,467 |
| Assets per employee ($millions) | 7.6431% | 1,518 |
| Cash dividends to net income (ytd only)* | 38.8186% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7143% | 4,192 |
| Loan loss allowance to noncurrent loans | 519.3182% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 3,046 |
| Noncurrent loans to loans | 0.1375% | 2,826 |
| Net loans and leases to total assets | 53.6200% | 3,233 |
| Net loans and leases to deposits | 57.0164% | 3,513 |
| Net loans and leases to core deposits | 57.2045% | 3,660 |
| Total domestic deposits to total assets | 94.0500% | 237 |
| Equity capital to assets | 5.4091% | 4,266 |
| Core capital (leverage) ratio | 9.6021% | 3,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0011% | 1,630 |
| Memoranda: | ||
| Average total assets | $229,504,600 | 2,847 |
| Average earning assets | $217,330,800 | 2,815 |
| Average equity | $14,621,800 | 3,402 |
| Average total loans | $122,601,200 | 2,893 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0007% | 3,888 |
| Cost of funding earning assets | 0.1541% | 3,811 |
| Net interest margin | 2.8466% | 3,634 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.0019% | 3,484 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0308% | 2,359 |
| Return on assets (ROA) | 1.0308% | 2,328 |
| Pretax return on assets | 1.0308% | 2,930 |
| Return on Equity (ROE) | 15.5700% | 1,064 |
| Retained earnings to average equity (ytd only) | 9.4647% | 1,493 |
| Net charge-offs to loans | 0.0088% | 1,801 |
| Credit loss provision to net charge-offs | 337.5000% | 760 |
| Earnings coverage of net charge-offs (x) | 223.3750% | 585 |
| Efficiency ratio | 65.6676% | 2,327 |
| Assets per employee ($millions) | 7.3028% | 1,749 |
| Cash dividends to net income (ytd only)* | 39.2045% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7001% | 4,247 |
| Loan loss allowance to noncurrent loans | 423.8318% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 2,997 |
| Noncurrent loans to loans | 0.1652% | 2,771 |
| Net loans and leases to total assets | 56.8200% | 2,820 |
| Net loans and leases to deposits | 60.3726% | 3,164 |
| Net loans and leases to core deposits | 60.5807% | 3,341 |
| Total domestic deposits to total assets | 94.1200% | 343 |
| Equity capital to assets | 5.1823% | 4,242 |
| Core capital (leverage) ratio | 9.4634% | 3,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $227,646,750 | 2,879 |
| Average earning assets | $215,455,000 | 2,840 |
| Average equity | $15,073,250 | 3,401 |
| Average total loans | $121,260,750 | 2,918 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8891% | 3,812 |
| Cost of funding earning assets | 0.1407% | 3,703 |
| Net interest margin | 2.7485% | 3,580 |
| Noninterest income to average assets | 0.3394% | 3,121 |
| Noninterest expense to average assets | 1.9433% | 3,593 |
| Loan and lease loss provision to assets | 0.0158% | 2,316 |
| Net operating income to assets | 0.9848% | 2,210 |
| Return on assets (ROA) | 0.9848% | 2,183 |
| Pretax return on assets | 0.9848% | 2,784 |
| Return on Equity (ROE) | 13.8753% | 1,147 |
| Retained earnings to average equity (ytd only) | 8.1918% | 1,551 |
| Net charge-offs to loans | 0.0034% | 1,931 |
| Credit loss provision to net charge-offs | 900.0000% | 437 |
| Earnings coverage of net charge-offs (x) | 570.5000% | 229 |
| Efficiency ratio | 66.0113% | 2,507 |
| Assets per employee ($millions) | 7.3651% | 1,687 |
| Cash dividends to net income (ytd only)* | 40.9617% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7244% | 4,295 |
| Loan loss allowance to noncurrent loans | 456.5657% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 3,115 |
| Noncurrent loans to loans | 0.1587% | 2,903 |
| Net loans and leases to total assets | 54.2651% | 2,933 |
| Net loans and leases to deposits | 57.8223% | 3,240 |
| Net loans and leases to core deposits | 58.0205% | 3,420 |
| Total domestic deposits to total assets | 93.8481% | 308 |
| Equity capital to assets | 5.5217% | 4,355 |
| Core capital (leverage) ratio | 9.3835% | 3,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8801% | 1,742 |
| Memoranda: | ||
| Average total assets | $228,066,333 | 2,897 |
| Average earning assets | $216,121,000 | 2,876 |
| Average equity | $16,187,000 | 3,393 |
| Average total loans | $118,498,000 | 2,965 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8011% | 3,741 |
| Cost of funding earning assets | 0.1370% | 3,672 |
| Net interest margin | 2.6641% | 3,495 |
| Noninterest income to average assets | 0.3211% | 3,181 |
| Noninterest expense to average assets | 1.9145% | 3,649 |
| Loan and lease loss provision to assets | 0.0158% | 2,066 |
| Net operating income to assets | 0.9160% | 2,221 |
| Return on assets (ROA) | 0.9160% | 2,218 |
| Pretax return on assets | 0.9160% | 2,716 |
| Return on Equity (ROE) | 11.6148% | 1,421 |
| Retained earnings to average equity (ytd only) | 11.6148% | 654 |
| Net charge-offs to loans | -0.0035% | 3,235 |
| Credit loss provision to net charge-offs | -900.0000% | 3,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2626% | 2,596 |
| Assets per employee ($millions) | 7.4666% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7806% | 4,276 |
| Loan loss allowance to noncurrent loans | 427.6190% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 3,169 |
| Noncurrent loans to loans | 0.1825% | 2,903 |
| Net loans and leases to total assets | 49.3148% | 3,243 |
| Net loans and leases to deposits | 53.3312% | 3,470 |
| Net loans and leases to core deposits | 53.5140% | 3,628 |
| Total domestic deposits to total assets | 92.4689% | 411 |
| Equity capital to assets | 6.9587% | 4,233 |
| Core capital (leverage) ratio | 9.3215% | 2,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1676% | 1,734 |
| Memoranda: | ||
| Average total assets | $227,940,500 | 2,912 |
| Average earning assets | $216,055,500 | 2,888 |
| Average equity | $17,977,000 | 3,330 |
| Average total loans | $115,346,500 | 2,995 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1768% | 3,521 |
| Cost of funding earning assets | 0.1509% | 3,969 |
| Net interest margin | 3.0259% | 3,128 |
| Noninterest income to average assets | 0.4925% | 2,605 |
| Noninterest expense to average assets | 2.0771% | 3,449 |
| Loan and lease loss provision to assets | 0.0256% | 2,548 |
| Net operating income to assets | 1.2599% | 1,716 |
| Return on assets (ROA) | 1.2599% | 1,769 |
| Pretax return on assets | 1.2599% | 2,484 |
| Return on Equity (ROE) | 13.4565% | 1,328 |
| Retained earnings to average equity (ytd only) | 8.4495% | 1,366 |
| Net charge-offs to loans | -0.0009% | 3,272 |
| Credit loss provision to net charge-offs | -5,400.0000% | 4,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7705% | 2,903 |
| Assets per employee ($millions) | 7.2392% | 1,770 |
| Cash dividends to net income (ytd only)* | 37.2084% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7678% | 4,317 |
| Loan loss allowance to noncurrent loans | 407.3394% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 3,257 |
| Noncurrent loans to loans | 0.1885% | 3,004 |
| Net loans and leases to total assets | 51.1374% | 3,162 |
| Net loans and leases to deposits | 56.4464% | 3,380 |
| Net loans and leases to core deposits | 56.5200% | 3,578 |
| Total domestic deposits to total assets | 90.5947% | 676 |
| Equity capital to assets | 8.8439% | 3,769 |
| Core capital (leverage) ratio | 9.1989% | 3,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0632% | 2,220 |
| Memoranda: | ||
| Average total assets | $210,963,600 | 2,978 |
| Average earning assets | $200,108,800 | 2,949 |
| Average equity | $19,752,600 | 3,236 |
| Average total loans | $112,619,400 | 3,033 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2964% | 3,397 |
| Cost of funding earning assets | 0.1537% | 4,078 |
| Net interest margin | 3.1426% | 2,927 |
| Noninterest income to average assets | 0.5292% | 2,503 |
| Noninterest expense to average assets | 2.1136% | 3,320 |
| Loan and lease loss provision to assets | 0.0289% | 2,418 |
| Net operating income to assets | 1.3673% | 1,639 |
| Return on assets (ROA) | 1.3673% | 1,694 |
| Pretax return on assets | 1.3673% | 2,443 |
| Return on Equity (ROE) | 14.3879% | 1,289 |
| Retained earnings to average equity (ytd only) | 9.3329% | 1,563 |
| Net charge-offs to loans | -0.0012% | 3,142 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2196% | 2,954 |
| Assets per employee ($millions) | 7.2228% | 1,724 |
| Cash dividends to net income (ytd only)* | 35.1339% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7938% | 4,356 |
| Loan loss allowance to noncurrent loans | 387.2247% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 3,406 |
| Noncurrent loans to loans | 0.2050% | 3,133 |
| Net loans and leases to total assets | 50.6957% | 3,321 |
| Net loans and leases to deposits | 56.4117% | 3,546 |
| Net loans and leases to core deposits | 56.4880% | 3,737 |
| Total domestic deposits to total assets | 89.8673% | 826 |
| Equity capital to assets | 9.3920% | 3,475 |
| Core capital (leverage) ratio | 9.4788% | 3,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,600,750 | 3,036 |
| Average earning assets | $196,899,500 | 3,013 |
| Average equity | $19,729,000 | 3,279 |
| Average total loans | $111,862,250 | 3,088 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2579% | 3,540 |
| Cost of funding earning assets | 0.1566% | 4,150 |
| Net interest margin | 3.1013% | 3,034 |
| Noninterest income to average assets | 0.6061% | 2,190 |
| Noninterest expense to average assets | 2.1068% | 3,365 |
| Loan and lease loss provision to assets | 0.0352% | 2,287 |
| Net operating income to assets | 1.4078% | 1,541 |
| Return on assets (ROA) | 1.4078% | 1,606 |
| Pretax return on assets | 1.4078% | 2,310 |
| Return on Equity (ROE) | 14.7528% | 1,220 |
| Retained earnings to average equity (ytd only) | 10.0401% | 1,378 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3500% | 3,106 |
| Assets per employee ($millions) | 6.7449% | 1,989 |
| Cash dividends to net income (ytd only)* | 31.9444% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7681% | 4,420 |
| Loan loss allowance to noncurrent loans | 520.3593% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 3,674 |
| Noncurrent loans to loans | 0.1476% | 3,466 |
| Net loans and leases to total assets | 53.6926% | 3,167 |
| Net loans and leases to deposits | 59.7724% | 3,408 |
| Net loans and leases to core deposits | 59.8563% | 3,626 |
| Total domestic deposits to total assets | 89.8284% | 856 |
| Equity capital to assets | 9.5011% | 3,327 |
| Core capital (leverage) ratio | 9.4701% | 2,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5364% | 1,460 |
| Memoranda: | ||
| Average total assets | $204,572,667 | 3,061 |
| Average earning assets | $194,174,000 | 3,032 |
| Average equity | $19,521,667 | 3,288 |
| Average total loans | $112,240,000 | 3,093 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0427% | 3,997 |
| Cost of funding earning assets | 0.1561% | 4,263 |
| Net interest margin | 2.8866% | 3,559 |
| Noninterest income to average assets | 0.8423% | 1,483 |
| Noninterest expense to average assets | 2.1017% | 3,421 |
| Loan and lease loss provision to assets | 0.0534% | 2,041 |
| Net operating income to assets | 1.4295% | 1,497 |
| Return on assets (ROA) | 1.4295% | 1,569 |
| Pretax return on assets | 1.4295% | 2,195 |
| Return on Equity (ROE) | 14.9461% | 1,227 |
| Retained earnings to average equity (ytd only) | 14.9461% | 632 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6321% | 3,217 |
| Assets per employee ($millions) | 6.6985% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7615% | 4,471 |
| Loan loss allowance to noncurrent loans | 351.0204% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 3,541 |
| Noncurrent loans to loans | 0.2169% | 3,329 |
| Net loans and leases to total assets | 53.9732% | 3,243 |
| Net loans and leases to deposits | 59.9220% | 3,490 |
| Net loans and leases to core deposits | 60.0061% | 3,698 |
| Total domestic deposits to total assets | 90.0724% | 788 |
| Equity capital to assets | 9.3348% | 3,351 |
| Core capital (leverage) ratio | 9.5826% | 2,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,313,000 | 3,072 |
| Average earning assets | $192,200,500 | 3,037 |
| Average equity | $19,349,500 | 3,293 |
| Average total loans | $111,792,000 | 3,103 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7141% | 3,543 |
| Cost of funding earning assets | 0.2173% | 4,519 |
| Net interest margin | 3.4968% | 2,489 |
| Noninterest income to average assets | 0.4241% | 2,997 |
| Noninterest expense to average assets | 2.3354% | 3,307 |
| Loan and lease loss provision to assets | 0.0501% | 3,756 |
| Net operating income to assets | 1.3258% | 1,187 |
| Return on assets (ROA) | 1.3258% | 1,284 |
| Pretax return on assets | 1.3258% | 1,901 |
| Return on Equity (ROE) | 12.8220% | 1,085 |
| Retained earnings to average equity (ytd only) | 6.6209% | 1,538 |
| Net charge-offs to loans | 0.0160% | 2,781 |
| Credit loss provision to net charge-offs | 500.0000% | 1,248 |
| Earnings coverage of net charge-offs (x) | 137.3333% | 619 |
| Efficiency ratio | 62.9274% | 2,990 |
| Assets per employee ($millions) | 6.5658% | 1,875 |
| Cash dividends to net income (ytd only)* | 48.3627% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7528% | 4,508 |
| Loan loss allowance to noncurrent loans | 333.2000% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 3,608 |
| Noncurrent loans to loans | 0.2259% | 3,394 |
| Net loans and leases to total assets | 55.7508% | 3,321 |
| Net loans and leases to deposits | 62.2144% | 3,592 |
| Net loans and leases to core deposits | 62.3111% | 3,817 |
| Total domestic deposits to total assets | 89.6108% | 722 |
| Equity capital to assets | 9.8059% | 3,312 |
| Core capital (leverage) ratio | 9.5314% | 3,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3300% | 1,435 |
| Memoranda: | ||
| Average total assets | $179,671,600 | 3,108 |
| Average earning assets | $168,898,400 | 3,082 |
| Average equity | $18,577,400 | 3,317 |
| Average total loans | $112,158,000 | 3,066 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7856% | 3,607 |
| Cost of funding earning assets | 0.2367% | 4,545 |
| Net interest margin | 3.5490% | 2,427 |
| Noninterest income to average assets | 0.4038% | 3,058 |
| Noninterest expense to average assets | 2.3678% | 3,228 |
| Loan and lease loss provision to assets | 0.0479% | 3,764 |
| Net operating income to assets | 1.3177% | 1,315 |
| Return on assets (ROA) | 1.3177% | 1,400 |
| Pretax return on assets | 1.3177% | 1,981 |
| Return on Equity (ROE) | 12.5624% | 1,230 |
| Retained earnings to average equity (ytd only) | 6.1399% | 2,050 |
| Net charge-offs to loans | 0.0036% | 3,043 |
| Credit loss provision to net charge-offs | 2,100.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 598.6667% | 202 |
| Efficiency ratio | 63.4216% | 2,841 |
| Assets per employee ($millions) | 6.4032% | 1,909 |
| Cash dividends to net income (ytd only)* | 51.1252% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7148% | 4,549 |
| Loan loss allowance to noncurrent loans | 319.4553% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 3,704 |
| Noncurrent loans to loans | 0.2237% | 3,500 |
| Net loans and leases to total assets | 59.3664% | 3,289 |
| Net loans and leases to deposits | 66.4722% | 3,576 |
| Net loans and leases to core deposits | 66.5781% | 3,859 |
| Total domestic deposits to total assets | 89.3101% | 643 |
| Equity capital to assets | 9.8393% | 3,393 |
| Core capital (leverage) ratio | 9.7334% | 2,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,346,250 | 3,131 |
| Average earning assets | $164,513,500 | 3,106 |
| Average equity | $18,393,000 | 3,330 |
| Average total loans | $112,535,750 | 3,073 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9921% | 3,346 |
| Cost of funding earning assets | 0.2665% | 4,574 |
| Net interest margin | 3.7256% | 2,073 |
| Noninterest income to average assets | 0.4053% | 3,045 |
| Noninterest expense to average assets | 2.4140% | 3,219 |
| Loan and lease loss provision to assets | 0.0424% | 3,752 |
| Net operating income to assets | 1.4408% | 1,033 |
| Return on assets (ROA) | 1.4408% | 1,124 |
| Pretax return on assets | 1.4408% | 1,612 |
| Return on Equity (ROE) | 13.4221% | 995 |
| Retained earnings to average equity (ytd only) | 6.4641% | 1,878 |
| Net charge-offs to loans | 0.0125% | 2,518 |
| Credit loss provision to net charge-offs | 514.2857% | 1,210 |
| Earnings coverage of net charge-offs (x) | 179.8571% | 486 |
| Efficiency ratio | 61.9407% | 3,138 |
| Assets per employee ($millions) | 6.2540% | 1,987 |
| Cash dividends to net income (ytd only)* | 51.8397% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6865% | 4,596 |
| Loan loss allowance to noncurrent loans | 411.4583% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 3,956 |
| Noncurrent loans to loans | 0.1668% | 3,785 |
| Net loans and leases to total assets | 63.0153% | 3,004 |
| Net loans and leases to deposits | 70.9064% | 3,354 |
| Net loans and leases to core deposits | 71.9659% | 3,592 |
| Total domestic deposits to total assets | 88.8712% | 799 |
| Equity capital to assets | 10.2681% | 2,951 |
| Core capital (leverage) ratio | 10.2851% | 2,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9313% | 1,506 |
| Memoranda: | ||
| Average total assets | $169,762,667 | 3,161 |
| Average earning assets | $159,113,333 | 3,141 |
| Average equity | $18,223,667 | 3,339 |
| Average total loans | $111,760,333 | 3,074 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 3,009 |
| Cost of funding earning assets | 0.3394% | 4,550 |
| Net interest margin | 3.9290% | 1,583 |
| Noninterest income to average assets | 0.4538% | 2,770 |
| Noninterest expense to average assets | 2.5250% | 3,193 |
| Loan and lease loss provision to assets | 0.0220% | 3,530 |
| Net operating income to assets | 1.5784% | 653 |
| Return on assets (ROA) | 1.5784% | 720 |
| Pretax return on assets | 1.5784% | 1,116 |
| Return on Equity (ROE) | 14.3586% | 636 |
| Retained earnings to average equity (ytd only) | 14.3586% | 228 |
| Net charge-offs to loans | 0.0145% | 2,084 |
| Credit loss provision to net charge-offs | 225.0000% | 1,347 |
| Earnings coverage of net charge-offs (x) | 164.0000% | 403 |
| Efficiency ratio | 61.2064% | 3,589 |
| Assets per employee ($millions) | 5.7000% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6867% | 4,633 |
| Loan loss allowance to noncurrent loans | 284.7584% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 3,791 |
| Noncurrent loans to loans | 0.2412% | 3,622 |
| Net loans and leases to total assets | 67.0167% | 2,699 |
| Net loans and leases to deposits | 76.0086% | 3,073 |
| Net loans and leases to core deposits | 77.2597% | 3,403 |
| Total domestic deposits to total assets | 88.1699% | 1,031 |
| Equity capital to assets | 11.1259% | 2,754 |
| Core capital (leverage) ratio | 11.2489% | 2,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4775% | 1,239 |
| Memoranda: | ||
| Average total assets | $163,960,500 | 3,182 |
| Average earning assets | $153,221,500 | 3,160 |
| Average equity | $18,024,000 | 3,366 |
| Average total loans | $110,101,000 | 3,079 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1218% | 3,996 |
| Cost of funding earning assets | 0.3518% | 4,590 |
| Net interest margin | 3.7700% | 2,612 |
| Noninterest income to average assets | 0.4978% | 2,761 |
| Noninterest expense to average assets | 2.5694% | 3,262 |
| Loan and lease loss provision to assets | 0.0227% | 3,568 |
| Net operating income to assets | 1.4461% | 1,200 |
| Return on assets (ROA) | 1.4461% | 1,267 |
| Pretax return on assets | 1.4461% | 1,993 |
| Return on Equity (ROE) | 13.6725% | 966 |
| Retained earnings to average equity (ytd only) | 7.4432% | 1,192 |
| Net charge-offs to loans | 0.0067% | 3,432 |
| Credit loss provision to net charge-offs | 514.2857% | 569 |
| Earnings coverage of net charge-offs (x) | 333.4286% | 259 |
| Efficiency ratio | 63.6279% | 3,127 |
| Assets per employee ($millions) | 5.6077% | 1,970 |
| Cash dividends to net income (ytd only)* | 45.5614% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7004% | 4,571 |
| Loan loss allowance to noncurrent loans | 282.8996% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.1783% | 3,760 |
| Noncurrent loans to loans | 0.2476% | 3,565 |
| Net loans and leases to total assets | 66.3483% | 2,912 |
| Net loans and leases to deposits | 74.9790% | 3,262 |
| Net loans and leases to core deposits | 76.2291% | 3,562 |
| Total domestic deposits to total assets | 88.4893% | 892 |
| Equity capital to assets | 10.8577% | 3,128 |
| Core capital (leverage) ratio | 10.8633% | 2,626 |
| Tier 1 risk-based capital ratio | 15.8414% | 2,462 |
| Total risk-based capital ratio | 16.5298% | 2,596 |
| Memoranda: | ||
| Average total assets | $158,908,600 | 3,211 |
| Average earning assets | $149,230,200 | 3,184 |
| Average equity | $16,807,400 | 3,460 |
| Average total loans | $104,779,400 | 3,158 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1151% | 4,121 |
| Cost of funding earning assets | 0.3447% | 4,677 |
| Net interest margin | 3.7705% | 2,683 |
| Noninterest income to average assets | 0.5022% | 2,719 |
| Noninterest expense to average assets | 2.5876% | 3,199 |
| Loan and lease loss provision to assets | 0.0228% | 3,452 |
| Net operating income to assets | 1.4373% | 1,361 |
| Return on assets (ROA) | 1.4373% | 1,418 |
| Pretax return on assets | 1.4373% | 2,165 |
| Return on Equity (ROE) | 13.6825% | 1,055 |
| Retained earnings to average equity (ytd only) | 7.8576% | 1,462 |
| Net charge-offs to loans | 0.0051% | 3,210 |
| Credit loss provision to net charge-offs | 675.0000% | 496 |
| Earnings coverage of net charge-offs (x) | 432.7598% | 229 |
| Efficiency ratio | 63.9283% | 3,017 |
| Assets per employee ($millions) | 5.3092% | 2,208 |
| Cash dividends to net income (ytd only)* | 42.5718% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6973% | 4,669 |
| Loan loss allowance to noncurrent loans | 276.5568% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.1852% | 3,831 |
| Noncurrent loans to loans | 0.2521% | 3,636 |
| Net loans and leases to total assets | 67.5063% | 2,867 |
| Net loans and leases to deposits | 76.5194% | 3,249 |
| Net loans and leases to core deposits | 77.8192% | 3,565 |
| Total domestic deposits to total assets | 88.2211% | 944 |
| Equity capital to assets | 10.8867% | 3,213 |
| Core capital (leverage) ratio | 10.8721% | 2,770 |
| Tier 1 risk-based capital ratio | 16.2647% | 2,341 |
| Total risk-based capital ratio | 16.9771% | 2,483 |
| Memoranda: | ||
| Average total assets | $157,980,250 | 3,251 |
| Average earning assets | $148,553,250 | 3,219 |
| Average equity | $16,595,000 | 3,507 |
| Average total loans | $103,809,750 | 3,211 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0483% | 4,286 |
| Cost of funding earning assets | 0.3252% | 4,752 |
| Net interest margin | 3.7231% | 2,863 |
| Noninterest income to average assets | 0.4760% | 2,805 |
| Noninterest expense to average assets | 2.5694% | 3,276 |
| Loan and lease loss provision to assets | 0.0229% | 3,345 |
| Net operating income to assets | 1.3862% | 1,473 |
| Return on assets (ROA) | 1.3862% | 1,533 |
| Pretax return on assets | 1.3862% | 2,244 |
| Return on Equity (ROE) | 13.3605% | 1,135 |
| Retained earnings to average equity (ytd only) | 8.5767% | 1,174 |
| Net charge-offs to loans | 0.0098% | 2,782 |
| Credit loss provision to net charge-offs | 360.0000% | 787 |
| Earnings coverage of net charge-offs (x) | 222.0000% | 360 |
| Efficiency ratio | 64.5820% | 3,043 |
| Assets per employee ($millions) | 5.2409% | 2,214 |
| Cash dividends to net income (ytd only)* | 35.8059% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7087% | 4,697 |
| Loan loss allowance to noncurrent loans | 267.9856% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 3,810 |
| Noncurrent loans to loans | 0.2645% | 3,582 |
| Net loans and leases to total assets | 66.3843% | 3,054 |
| Net loans and leases to deposits | 75.0930% | 3,418 |
| Net loans and leases to core deposits | 76.3772% | 3,696 |
| Total domestic deposits to total assets | 88.4028% | 920 |
| Equity capital to assets | 10.8149% | 3,254 |
| Core capital (leverage) ratio | 10.8745% | 2,718 |
| Tier 1 risk-based capital ratio | 15.8402% | 2,482 |
| Total risk-based capital ratio | 16.5359% | 2,653 |
| Memoranda: | ||
| Average total assets | $157,548,000 | 3,271 |
| Average earning assets | $148,209,670 | 3,241 |
| Average equity | $16,346,670 | 3,530 |
| Average total loans | $102,320,670 | 3,255 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9661% | 4,440 |
| Cost of funding earning assets | 0.2997% | 4,848 |
| Net interest margin | 3.6664% | 3,021 |
| Noninterest income to average assets | 0.4616% | 2,792 |
| Noninterest expense to average assets | 2.5262% | 3,425 |
| Loan and lease loss provision to assets | 0.0228% | 3,139 |
| Net operating income to assets | 1.3569% | 1,502 |
| Return on assets (ROA) | 1.3569% | 1,545 |
| Pretax return on assets | 1.3569% | 2,243 |
| Return on Equity (ROE) | 13.3600% | 1,122 |
| Retained earnings to average equity (ytd only) | 13.3600% | 418 |
| Net charge-offs to loans | 0.0119% | 2,262 |
| Credit loss provision to net charge-offs | 300.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 181.3333% | 424 |
| Efficiency ratio | 64.6753% | 3,136 |
| Assets per employee ($millions) | 5.2261% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7369% | 4,699 |
| Loan loss allowance to noncurrent loans | 265.4676% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 3,854 |
| Noncurrent loans to loans | 0.2776% | 3,571 |
| Net loans and leases to total assets | 63.4097% | 3,358 |
| Net loans and leases to deposits | 71.3932% | 3,654 |
| Net loans and leases to core deposits | 72.7388% | 3,891 |
| Total domestic deposits to total assets | 88.8176% | 948 |
| Equity capital to assets | 10.4878% | 3,353 |
| Core capital (leverage) ratio | 10.8266% | 2,745 |
| Tier 1 risk-based capital ratio | 16.4946% | 2,271 |
| Total risk-based capital ratio | 17.2194% | 2,396 |
| Memoranda: | ||
| Average total assets | $157,708,500 | 3,320 |
| Average earning assets | $148,155,000 | 3,287 |
| Average equity | $16,018,000 | 3,582 |
| Average total loans | $100,921,500 | 3,308 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9279% | 4,217 |
| Cost of funding earning assets | 0.2402% | 4,847 |
| Net interest margin | 3.6876% | 3,084 |
| Noninterest income to average assets | 0.4995% | 2,836 |
| Noninterest expense to average assets | 2.5718% | 3,411 |
| Loan and lease loss provision to assets | 0.0236% | 3,697 |
| Net operating income to assets | 1.3601% | 1,571 |
| Return on assets (ROA) | 1.3601% | 1,558 |
| Pretax return on assets | 1.3601% | 2,272 |
| Return on Equity (ROE) | 13.8960% | 1,070 |
| Retained earnings to average equity (ytd only) | 8.4368% | 1,069 |
| Net charge-offs to loans | -0.0041% | 4,318 |
| Credit loss provision to net charge-offs | -900.0000% | 4,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0183% | 3,022 |
| Assets per employee ($millions) | 5.2878% | 2,161 |
| Cash dividends to net income (ytd only)* | 39.2857% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7198% | 4,761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 4,818 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 63.6417% | 3,392 |
| Net loans and leases to deposits | 71.0797% | 3,745 |
| Net loans and leases to core deposits | 73.8775% | 3,862 |
| Total domestic deposits to total assets | 89.5357% | 644 |
| Equity capital to assets | 9.8295% | 3,834 |
| Core capital (leverage) ratio | 10.4187% | 3,119 |
| Tier 1 risk-based capital ratio | 15.7391% | 2,517 |
| Total risk-based capital ratio | 16.4476% | 2,673 |
| Memoranda: | ||
| Average total assets | $152,344,800 | 3,358 |
| Average earning assets | $142,775,200 | 3,336 |
| Average equity | $14,910,800 | 3,651 |
| Average total loans | $97,651,800 | 3,347 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8903% | 4,236 |
| Cost of funding earning assets | 0.2181% | 4,952 |
| Net interest margin | 3.6722% | 3,111 |
| Noninterest income to average assets | 0.5014% | 2,855 |
| Noninterest expense to average assets | 2.5831% | 3,335 |
| Loan and lease loss provision to assets | 0.0239% | 3,543 |
| Net operating income to assets | 1.3335% | 1,728 |
| Return on assets (ROA) | 1.3335% | 1,738 |
| Pretax return on assets | 1.3335% | 2,489 |
| Return on Equity (ROE) | 13.6403% | 1,219 |
| Retained earnings to average equity (ytd only) | 8.0322% | 1,638 |
| Net charge-offs to loans | 0.0041% | 3,309 |
| Credit loss provision to net charge-offs | 900.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 511.6550% | 179 |
| Efficiency ratio | 65.5521% | 2,950 |
| Assets per employee ($millions) | 5.0706% | 2,373 |
| Cash dividends to net income (ytd only)* | 41.1142% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7023% | 4,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 4,921 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 66.5488% | 3,117 |
| Net loans and leases to deposits | 74.5526% | 3,546 |
| Net loans and leases to core deposits | 77.6230% | 3,686 |
| Total domestic deposits to total assets | 89.2642% | 745 |
| Equity capital to assets | 9.8825% | 3,756 |
| Core capital (leverage) ratio | 10.5624% | 3,013 |
| Tier 1 risk-based capital ratio | 15.4681% | 2,664 |
| Total risk-based capital ratio | 16.1649% | 2,839 |
| Memoranda: | ||
| Average total assets | $150,772,250 | 3,414 |
| Average earning assets | $141,201,250 | 3,379 |
| Average equity | $14,740,250 | 3,695 |
| Average total loans | $96,642,250 | 3,395 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8256% | 4,284 |
| Cost of funding earning assets | 0.1846% | 5,098 |
| Net interest margin | 3.6410% | 3,153 |
| Noninterest income to average assets | 0.4843% | 2,953 |
| Noninterest expense to average assets | 2.5864% | 3,372 |
| Loan and lease loss provision to assets | 0.0239% | 3,441 |
| Net operating income to assets | 1.2852% | 1,840 |
| Return on assets (ROA) | 1.2852% | 1,839 |
| Pretax return on assets | 1.2852% | 2,574 |
| Return on Equity (ROE) | 13.1943% | 1,302 |
| Retained earnings to average equity (ytd only) | 7.0889% | 2,034 |
| Net charge-offs to loans | -0.0063% | 4,165 |
| Credit loss provision to net charge-offs | -600.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3934% | 2,909 |
| Assets per employee ($millions) | 4.9402% | 2,492 |
| Cash dividends to net income (ytd only)* | 46.2733% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7340% | 4,857 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 4,954 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 65.1487% | 3,254 |
| Net loans and leases to deposits | 72.9344% | 3,635 |
| Net loans and leases to core deposits | 74.2109% | 3,867 |
| Total domestic deposits to total assets | 89.3251% | 804 |
| Equity capital to assets | 9.9138% | 3,710 |
| Core capital (leverage) ratio | 10.4660% | 3,069 |
| Tier 1 risk-based capital ratio | 15.6773% | 2,558 |
| Total risk-based capital ratio | 16.3984% | 2,724 |
| Memoranda: | ||
| Average total assets | $150,324,000 | 3,434 |
| Average earning assets | $140,841,330 | 3,399 |
| Average equity | $14,642,670 | 3,727 |
| Average total loans | $94,873,670 | 3,431 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 4,459 |
| Cost of funding earning assets | 0.1800% | 5,115 |
| Net interest margin | 3.5241% | 3,444 |
| Noninterest income to average assets | 0.4650% | 3,031 |
| Noninterest expense to average assets | 2.4706% | 3,740 |
| Loan and lease loss provision to assets | 0.0238% | 3,213 |
| Net operating income to assets | 1.2815% | 1,711 |
| Return on assets (ROA) | 1.2815% | 1,716 |
| Pretax return on assets | 1.2815% | 2,435 |
| Return on Equity (ROE) | 13.2718% | 1,193 |
| Retained earnings to average equity (ytd only) | 13.2718% | 485 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4304% | 3,261 |
| Assets per employee ($millions) | 5.0934% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7437% | 4,933 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 61.2285% | 3,622 |
| Net loans and leases to deposits | 68.2594% | 3,929 |
| Net loans and leases to core deposits | 69.4104% | 4,118 |
| Total domestic deposits to total assets | 89.6998% | 783 |
| Equity capital to assets | 9.6386% | 3,952 |
| Core capital (leverage) ratio | 10.2993% | 3,191 |
| Tier 1 risk-based capital ratio | 15.9521% | 2,499 |
| Total risk-based capital ratio | 16.6740% | 2,628 |
| Memoranda: | ||
| Average total assets | $151,382,500 | 3,449 |
| Average earning assets | $142,219,500 | 3,420 |
| Average equity | $14,617,500 | 3,757 |
| Average total loans | $93,676,000 | 3,472 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7684% | 4,151 |
| Cost of funding earning assets | 0.1588% | 5,213 |
| Net interest margin | 3.6096% | 3,134 |
| Noninterest income to average assets | 0.4838% | 3,101 |
| Noninterest expense to average assets | 2.5658% | 3,561 |
| Loan and lease loss provision to assets | 0.0145% | 4,002 |
| Net operating income to assets | 1.2822% | 1,270 |
| Return on assets (ROA) | 1.2822% | 1,291 |
| Pretax return on assets | 1.2822% | 2,421 |
| Return on Equity (ROE) | 13.2072% | 904 |
| Retained earnings to average equity (ytd only) | 8.8641% | 532 |
| Net charge-offs to loans | -0.0941% | 5,356 |
| Credit loss provision to net charge-offs | -25.3012% | 4,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4281% | 3,185 |
| Assets per employee ($millions) | 5.1711% | 2,285 |
| Cash dividends to net income (ytd only)* | 32.8841% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7434% | 4,969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 4,817 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 61.6156% | 3,665 |
| Net loans and leases to deposits | 68.6851% | 3,973 |
| Net loans and leases to core deposits | 70.9454% | 4,113 |
| Total domestic deposits to total assets | 89.7074% | 674 |
| Equity capital to assets | 9.6738% | 4,068 |
| Core capital (leverage) ratio | 9.9002% | 3,581 |
| Tier 1 risk-based capital ratio | 15.6558% | 2,563 |
| Total risk-based capital ratio | 16.3778% | 2,717 |
| Memoranda: | ||
| Average total assets | $144,674,200 | 3,546 |
| Average earning assets | $135,416,800 | 3,514 |
| Average equity | $14,045,400 | 3,840 |
| Average total loans | $88,238,400 | 3,555 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7461% | 4,193 |
| Cost of funding earning assets | 0.1503% | 5,307 |
| Net interest margin | 3.5958% | 3,167 |
| Noninterest income to average assets | 0.4753% | 3,182 |
| Noninterest expense to average assets | 2.5847% | 3,457 |
| Loan and lease loss provision to assets | 0.0112% | 3,918 |
| Net operating income to assets | 1.2398% | 1,546 |
| Return on assets (ROA) | 1.2398% | 1,572 |
| Pretax return on assets | 1.2398% | 2,749 |
| Return on Equity (ROE) | 12.7587% | 1,113 |
| Retained earnings to average equity (ytd only) | 8.5760% | 982 |
| Net charge-offs to loans | 0.0077% | 3,458 |
| Credit loss provision to net charge-offs | 240.0000% | 1,168 |
| Earnings coverage of net charge-offs (x) | 268.8591% | 334 |
| Efficiency ratio | 67.3860% | 2,984 |
| Assets per employee ($millions) | 5.0848% | 2,345 |
| Cash dividends to net income (ytd only)* | 32.7831% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6480% | 5,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 5,012 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 61.9653% | 3,654 |
| Net loans and leases to deposits | 69.3225% | 4,017 |
| Net loans and leases to core deposits | 72.7871% | 4,084 |
| Total domestic deposits to total assets | 89.3870% | 706 |
| Equity capital to assets | 9.8284% | 4,107 |
| Core capital (leverage) ratio | 10.0264% | 3,539 |
| Tier 1 risk-based capital ratio | 15.6145% | 2,664 |
| Total risk-based capital ratio | 16.2495% | 2,846 |
| Memoranda: | ||
| Average total assets | $143,352,250 | 3,594 |
| Average earning assets | $133,966,250 | 3,577 |
| Average equity | $13,930,000 | 3,891 |
| Average total loans | $87,025,000 | 3,618 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6885% | 4,263 |
| Cost of funding earning assets | 0.1430% | 5,378 |
| Net interest margin | 3.5456% | 3,233 |
| Noninterest income to average assets | 0.4677% | 3,236 |
| Noninterest expense to average assets | 2.5919% | 3,456 |
| Loan and lease loss provision to assets | 0.0042% | 3,819 |
| Net operating income to assets | 1.1903% | 1,627 |
| Return on assets (ROA) | 1.1903% | 1,662 |
| Pretax return on assets | 1.1903% | 2,802 |
| Return on Equity (ROE) | 12.2978% | 1,210 |
| Retained earnings to average equity (ytd only) | 8.2810% | 1,059 |
| Net charge-offs to loans | 0.0047% | 3,315 |
| Credit loss provision to net charge-offs | 150.0000% | 1,520 |
| Earnings coverage of net charge-offs (x) | 424.0000% | 198 |
| Efficiency ratio | 68.4524% | 2,931 |
| Assets per employee ($millions) | 4.8127% | 2,628 |
| Cash dividends to net income (ytd only)* | 32.6627% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6533% | 5,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 62.0354% | 3,628 |
| Net loans and leases to deposits | 69.5172% | 3,947 |
| Net loans and leases to core deposits | 72.1723% | 4,083 |
| Total domestic deposits to total assets | 89.2376% | 834 |
| Equity capital to assets | 9.8302% | 4,104 |
| Core capital (leverage) ratio | 10.0439% | 3,485 |
| Tier 1 risk-based capital ratio | 15.2913% | 2,804 |
| Total risk-based capital ratio | 15.9198% | 2,999 |
| Memoranda: | ||
| Average total assets | $141,983,000 | 3,635 |
| Average earning assets | $132,898,670 | 3,610 |
| Average equity | $13,742,330 | 3,926 |
| Average total loans | $85,376,670 | 3,671 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5947% | 4,438 |
| Cost of funding earning assets | 0.1304% | 5,484 |
| Net interest margin | 3.4642% | 3,408 |
| Noninterest income to average assets | 0.4518% | 3,301 |
| Noninterest expense to average assets | 2.6395% | 3,345 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0569% | 2,042 |
| Return on assets (ROA) | 1.0569% | 2,086 |
| Pretax return on assets | 1.0569% | 3,147 |
| Return on Equity (ROE) | 11.0084% | 1,565 |
| Retained earnings to average equity (ytd only) | 11.0084% | 605 |
| Net charge-offs to loans | -0.0096% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4066% | 2,678 |
| Assets per employee ($millions) | 4.9487% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6953% | 5,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 58.8121% | 3,906 |
| Net loans and leases to deposits | 65.5165% | 4,210 |
| Net loans and leases to core deposits | 68.0209% | 4,297 |
| Total domestic deposits to total assets | 89.7668% | 765 |
| Equity capital to assets | 9.5915% | 4,191 |
| Core capital (leverage) ratio | 10.3076% | 3,096 |
| Tier 1 risk-based capital ratio | 15.7776% | 2,630 |
| Total risk-based capital ratio | 16.4374% | 2,817 |
| Memoranda: | ||
| Average total assets | $140,783,500 | 3,684 |
| Average earning assets | $131,861,500 | 3,647 |
| Average equity | $13,517,000 | 3,986 |
| Average total loans | $82,986,500 | 3,744 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8405% | 3,771 |
| Cost of funding earning assets | 0.1315% | 5,538 |
| Net interest margin | 3.7090% | 2,655 |
| Noninterest income to average assets | 0.4977% | 3,253 |
| Noninterest expense to average assets | 2.6128% | 3,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3083% | 1,196 |
| Return on assets (ROA) | 1.3083% | 1,259 |
| Pretax return on assets | 1.3083% | 2,251 |
| Return on Equity (ROE) | 12.8822% | 1,019 |
| Retained earnings to average equity (ytd only) | 8.7334% | 642 |
| Net charge-offs to loans | -0.0013% | 4,666 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6342% | 3,492 |
| Assets per employee ($millions) | 4.6018% | 2,955 |
| Cash dividends to net income (ytd only)* | 32.2054% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7273% | 5,300 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 58.2308% | 4,049 |
| Net loans and leases to deposits | 64.8500% | 4,343 |
| Net loans and leases to core deposits | 65.2373% | 4,565 |
| Total domestic deposits to total assets | 89.7931% | 729 |
| Equity capital to assets | 9.6115% | 4,158 |
| Core capital (leverage) ratio | 9.9074% | 3,613 |
| Tier 1 risk-based capital ratio | 15.7302% | 2,657 |
| Total risk-based capital ratio | 16.4035% | 2,834 |
| Memoranda: | ||
| Average total assets | $131,010,400 | 3,813 |
| Average earning assets | $120,922,200 | 3,813 |
| Average equity | $13,305,200 | 4,057 |
| Average total loans | $77,361,800 | 3,865 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8667% | 3,712 |
| Cost of funding earning assets | 0.1302% | 5,615 |
| Net interest margin | 3.7365% | 2,570 |
| Noninterest income to average assets | 0.5055% | 3,214 |
| Noninterest expense to average assets | 2.6388% | 3,543 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3018% | 1,288 |
| Return on assets (ROA) | 1.3018% | 1,384 |
| Pretax return on assets | 1.3018% | 2,424 |
| Return on Equity (ROE) | 12.6377% | 1,140 |
| Retained earnings to average equity (ytd only) | 8.4920% | 983 |
| Net charge-offs to loans | 0.0279% | 3,111 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 78.8851% | 796 |
| Efficiency ratio | 66.9634% | 3,429 |
| Assets per employee ($millions) | 4.8742% | 2,532 |
| Cash dividends to net income (ytd only)* | 32.8054% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7134% | 5,406 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 58.3292% | 4,065 |
| Net loans and leases to deposits | 65.3972% | 4,393 |
| Net loans and leases to core deposits | 65.7955% | 4,622 |
| Total domestic deposits to total assets | 89.1923% | 804 |
| Equity capital to assets | 10.0566% | 4,081 |
| Core capital (leverage) ratio | 10.0586% | 3,494 |
| Tier 1 risk-based capital ratio | 15.8118% | 2,700 |
| Total risk-based capital ratio | 16.4844% | 2,873 |
| Memoranda: | ||
| Average total assets | $129,249,500 | 3,867 |
| Average earning assets | $118,824,250 | 3,868 |
| Average equity | $13,314,250 | 4,079 |
| Average total loans | $76,457,500 | 3,919 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8544% | 3,760 |
| Cost of funding earning assets | 0.1285% | 5,704 |
| Net interest margin | 3.7259% | 2,592 |
| Noninterest income to average assets | 0.5046% | 3,164 |
| Noninterest expense to average assets | 2.6821% | 3,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2504% | 1,420 |
| Return on assets (ROA) | 1.2504% | 1,533 |
| Pretax return on assets | 1.2504% | 2,600 |
| Return on Equity (ROE) | 12.0358% | 1,307 |
| Retained earnings to average equity (ytd only) | 7.8468% | 1,224 |
| Net charge-offs to loans | 0.0452% | 2,568 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 46.6471% | 1,039 |
| Efficiency ratio | 68.2037% | 3,299 |
| Assets per employee ($millions) | 4.7437% | 2,641 |
| Cash dividends to net income (ytd only)* | 34.8045% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7230% | 5,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 61.2196% | 3,723 |
| Net loans and leases to deposits | 68.9798% | 4,089 |
| Net loans and leases to core deposits | 69.4312% | 4,372 |
| Total domestic deposits to total assets | 88.7500% | 1,042 |
| Equity capital to assets | 10.5356% | 3,594 |
| Core capital (leverage) ratio | 10.2351% | 3,287 |
| Tier 1 risk-based capital ratio | 15.8216% | 2,730 |
| Total risk-based capital ratio | 16.5104% | 2,890 |
| Memoranda: | ||
| Average total assets | $126,840,330 | 3,931 |
| Average earning assets | $116,698,000 | 3,938 |
| Average equity | $13,177,330 | 4,127 |
| Average total loans | $75,217,330 | 3,971 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8180% | 3,881 |
| Cost of funding earning assets | 0.1247% | 5,789 |
| Net interest margin | 3.6933% | 2,696 |
| Noninterest income to average assets | 0.5229% | 2,968 |
| Noninterest expense to average assets | 2.7476% | 3,248 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1535% | 1,701 |
| Return on assets (ROA) | 1.1535% | 1,818 |
| Pretax return on assets | 1.1535% | 2,878 |
| Return on Equity (ROE) | 11.1837% | 1,539 |
| Retained earnings to average equity (ytd only) | 11.1837% | 623 |
| Net charge-offs to loans | -0.0164% | 4,766 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4305% | 3,049 |
| Assets per employee ($millions) | 4.7703% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7905% | 5,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 5,521 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 57.5852% | 4,088 |
| Net loans and leases to deposits | 64.6451% | 4,377 |
| Net loans and leases to core deposits | 65.0642% | 4,614 |
| Total domestic deposits to total assets | 89.0789% | 1,062 |
| Equity capital to assets | 10.2992% | 3,746 |
| Core capital (leverage) ratio | 10.3828% | 3,090 |
| Tier 1 risk-based capital ratio | 16.2449% | 2,573 |
| Total risk-based capital ratio | 16.9856% | 2,747 |
| Memoranda: | ||
| Average total assets | $126,220,500 | 3,974 |
| Average earning assets | $115,453,000 | 3,980 |
| Average equity | $13,019,000 | 4,162 |
| Average total loans | $73,335,500 | 4,040 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8184% | 3,990 |
| Cost of funding earning assets | 0.1380% | 5,768 |
| Net interest margin | 3.6804% | 2,827 |
| Noninterest income to average assets | 0.5363% | 3,101 |
| Noninterest expense to average assets | 2.7203% | 3,514 |
| Loan and lease loss provision to assets | 0.0073% | 4,255 |
| Net operating income to assets | 1.2098% | 1,517 |
| Return on assets (ROA) | 1.2098% | 1,582 |
| Pretax return on assets | 1.2098% | 2,618 |
| Return on Equity (ROE) | 12.1507% | 1,265 |
| Retained earnings to average equity (ytd only) | 8.0216% | 906 |
| Net charge-offs to loans | 0.0715% | 2,813 |
| Credit loss provision to net charge-offs | 18.0000% | 3,763 |
| Earnings coverage of net charge-offs (x) | 29.9600% | 1,458 |
| Efficiency ratio | 69.0879% | 3,383 |
| Assets per employee ($millions) | 4.2636% | 3,462 |
| Cash dividends to net income (ytd only)* | 33.9825% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8177% | 5,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 57.6850% | 4,126 |
| Net loans and leases to deposits | 64.7688% | 4,414 |
| Net loans and leases to core deposits | 65.0416% | 4,667 |
| Total domestic deposits to total assets | 89.0630% | 1,092 |
| Equity capital to assets | 10.3305% | 3,593 |
| Core capital (leverage) ratio | 10.0423% | 3,451 |
| Tier 1 risk-based capital ratio | 16.3508% | 2,547 |
| Total risk-based capital ratio | 17.1140% | 2,693 |
| Memoranda: | ||
| Average total assets | $123,074,400 | 4,022 |
| Average earning assets | $113,738,000 | 4,004 |
| Average equity | $12,254,400 | 4,256 |
| Average total loans | $69,925,200 | 4,091 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7874% | 4,133 |
| Cost of funding earning assets | 0.1382% | 5,865 |
| Net interest margin | 3.6492% | 2,962 |
| Noninterest income to average assets | 0.5173% | 3,246 |
| Noninterest expense to average assets | 2.6898% | 3,596 |
| Loan and lease loss provision to assets | 0.0098% | 4,077 |
| Net operating income to assets | 1.1963% | 1,662 |
| Return on assets (ROA) | 1.1963% | 1,727 |
| Pretax return on assets | 1.1963% | 2,839 |
| Return on Equity (ROE) | 12.1292% | 1,340 |
| Retained earnings to average equity (ytd only) | 8.0825% | 1,217 |
| Net charge-offs to loans | 0.0634% | 2,681 |
| Credit loss provision to net charge-offs | 27.2727% | 3,300 |
| Earnings coverage of net charge-offs (x) | 33.6961% | 1,385 |
| Efficiency ratio | 69.0423% | 3,367 |
| Assets per employee ($millions) | 4.2499% | 3,423 |
| Cash dividends to net income (ytd only)* | 33.3633% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8530% | 5,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 5,580 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 57.1535% | 4,228 |
| Net loans and leases to deposits | 66.6068% | 4,320 |
| Net loans and leases to core deposits | 66.8990% | 4,631 |
| Total domestic deposits to total assets | 85.8074% | 2,635 |
| Equity capital to assets | 10.1982% | 3,936 |
| Core capital (leverage) ratio | 10.0260% | 3,585 |
| Tier 1 risk-based capital ratio | 16.2890% | 2,678 |
| Total risk-based capital ratio | 17.0883% | 2,813 |
| Memoranda: | ||
| Average total assets | $122,932,000 | 4,069 |
| Average earning assets | $113,812,000 | 4,048 |
| Average equity | $12,124,750 | 4,332 |
| Average total loans | $69,428,500 | 4,145 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8083% | 4,031 |
| Cost of funding earning assets | 0.1393% | 5,924 |
| Net interest margin | 3.6691% | 2,839 |
| Noninterest income to average assets | 0.5113% | 3,296 |
| Noninterest expense to average assets | 2.6786% | 3,660 |
| Loan and lease loss provision to assets | 0.0147% | 3,833 |
| Net operating income to assets | 1.2066% | 1,579 |
| Return on assets (ROA) | 1.2066% | 1,663 |
| Pretax return on assets | 1.2066% | 2,756 |
| Return on Equity (ROE) | 12.3741% | 1,264 |
| Retained earnings to average equity (ytd only) | 8.5333% | 1,067 |
| Net charge-offs to loans | 0.0697% | 2,399 |
| Credit loss provision to net charge-offs | 37.5000% | 2,844 |
| Earnings coverage of net charge-offs (x) | 31.2500% | 1,331 |
| Efficiency ratio | 68.6848% | 3,557 |
| Assets per employee ($millions) | 4.1397% | 3,590 |
| Cash dividends to net income (ytd only)* | 31.0391% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 5,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 56.6197% | 4,268 |
| Net loans and leases to deposits | 65.9974% | 4,336 |
| Net loans and leases to core deposits | 66.2947% | 4,627 |
| Total domestic deposits to total assets | 85.7909% | 2,799 |
| Equity capital to assets | 10.2066% | 3,800 |
| Core capital (leverage) ratio | 10.0580% | 3,522 |
| Tier 1 risk-based capital ratio | 16.6397% | 2,543 |
| Total risk-based capital ratio | 17.4836% | 2,695 |
| Memoranda: | ||
| Average total assets | $122,827,000 | 4,097 |
| Average earning assets | $113,435,000 | 4,087 |
| Average equity | $11,976,670 | 4,386 |
| Average total loans | $68,889,330 | 4,194 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7746% | 4,112 |
| Cost of funding earning assets | 0.1394% | 6,000 |
| Net interest margin | 3.6351% | 2,877 |
| Noninterest income to average assets | 0.4766% | 3,453 |
| Noninterest expense to average assets | 2.6148% | 3,881 |
| Loan and lease loss provision to assets | 0.0129% | 3,558 |
| Net operating income to assets | 1.2076% | 1,527 |
| Return on assets (ROA) | 1.2076% | 1,618 |
| Pretax return on assets | 1.2076% | 2,636 |
| Return on Equity (ROE) | 12.6705% | 1,172 |
| Retained earnings to average equity (ytd only) | 12.6705% | 486 |
| Net charge-offs to loans | 0.0174% | 2,818 |
| Credit loss provision to net charge-offs | 133.3333% | 1,348 |
| Earnings coverage of net charge-offs (x) | 126.3333% | 410 |
| Efficiency ratio | 68.1780% | 3,795 |
| Assets per employee ($millions) | 4.1737% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9258% | 5,348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 55.7020% | 4,235 |
| Net loans and leases to deposits | 63.5247% | 4,423 |
| Net loans and leases to core deposits | 63.8018% | 4,714 |
| Total domestic deposits to total assets | 87.6856% | 1,994 |
| Equity capital to assets | 10.0754% | 4,053 |
| Core capital (leverage) ratio | 9.8584% | 3,812 |
| Tier 1 risk-based capital ratio | 16.5915% | 2,644 |
| Total risk-based capital ratio | 17.4633% | 2,764 |
| Memoranda: | ||
| Average total assets | $124,215,500 | 4,101 |
| Average earning assets | $114,768,500 | 4,084 |
| Average equity | $11,838,500 | 4,442 |
| Average total loans | $69,040,500 | 4,203 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7140% | 4,737 |
| Cost of funding earning assets | 0.1545% | 6,072 |
| Net interest margin | 3.5595% | 3,557 |
| Noninterest income to average assets | 0.5351% | 3,271 |
| Noninterest expense to average assets | 2.6591% | 4,011 |
| Loan and lease loss provision to assets | 0.0202% | 4,214 |
| Net operating income to assets | 1.1373% | 1,830 |
| Return on assets (ROA) | 1.1405% | 1,879 |
| Pretax return on assets | 1.1405% | 2,921 |
| Return on Equity (ROE) | 13.0025% | 1,138 |
| Retained earnings to average equity (ytd only) | 6.9119% | 1,445 |
| Net charge-offs to loans | -0.0332% | 5,820 |
| Credit loss provision to net charge-offs | -119.0476% | 5,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6713% | 3,592 |
| Assets per employee ($millions) | 4.5498% | 2,956 |
| Cash dividends to net income (ytd only)* | 46.8417% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 5,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 6,103 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 54.4782% | 4,516 |
| Net loans and leases to deposits | 62.9537% | 4,643 |
| Net loans and leases to core deposits | 63.2180% | 4,897 |
| Total domestic deposits to total assets | 86.5370% | 2,548 |
| Equity capital to assets | 9.0130% | 5,272 |
| Core capital (leverage) ratio | 9.2174% | 4,652 |
| Tier 1 risk-based capital ratio | 14.8440% | 3,573 |
| Total risk-based capital ratio | 15.6479% | 3,772 |
| Memoranda: | ||
| Average total assets | $123,538,600 | 4,111 |
| Average earning assets | $113,892,400 | 4,095 |
| Average equity | $10,836,400 | 4,596 |
| Average total loans | $63,316,600 | 4,387 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6944% | 4,880 |
| Cost of funding earning assets | 0.1560% | 6,149 |
| Net interest margin | 3.5385% | 3,677 |
| Noninterest income to average assets | 0.5373% | 3,275 |
| Noninterest expense to average assets | 2.6726% | 3,929 |
| Loan and lease loss provision to assets | 0.0218% | 3,972 |
| Net operating income to assets | 1.1008% | 2,027 |
| Return on assets (ROA) | 1.1095% | 2,052 |
| Pretax return on assets | 1.1095% | 3,149 |
| Return on Equity (ROE) | 12.7398% | 1,288 |
| Retained earnings to average equity (ytd only) | 8.4307% | 1,177 |
| Net charge-offs to loans | -0.0346% | 5,791 |
| Credit loss provision to net charge-offs | -125.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4213% | 3,436 |
| Assets per employee ($millions) | 4.2041% | 3,477 |
| Cash dividends to net income (ytd only)* | 33.8235% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 5,459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 5,838 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 53.4650% | 4,639 |
| Net loans and leases to deposits | 62.2038% | 4,720 |
| Net loans and leases to core deposits | 62.4787% | 5,003 |
| Total domestic deposits to total assets | 85.9513% | 2,868 |
| Equity capital to assets | 9.2865% | 5,048 |
| Core capital (leverage) ratio | 9.5881% | 4,263 |
| Tier 1 risk-based capital ratio | 15.4600% | 3,347 |
| Total risk-based capital ratio | 16.2905% | 3,496 |
| Memoranda: | ||
| Average total assets | $122,574,750 | 4,168 |
| Average earning assets | $112,851,250 | 4,149 |
| Average equity | $10,675,000 | 4,653 |
| Average total loans | $61,638,000 | 4,475 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6066% | 5,133 |
| Cost of funding earning assets | 0.1615% | 6,184 |
| Net interest margin | 3.4450% | 4,002 |
| Noninterest income to average assets | 0.5261% | 3,298 |
| Noninterest expense to average assets | 2.6826% | 3,931 |
| Loan and lease loss provision to assets | 0.0244% | 3,792 |
| Net operating income to assets | 1.0147% | 2,270 |
| Return on assets (ROA) | 1.0147% | 2,337 |
| Pretax return on assets | 1.0147% | 3,425 |
| Return on Equity (ROE) | 11.9128% | 1,453 |
| Retained earnings to average equity (ytd only) | 7.5148% | 1,513 |
| Net charge-offs to loans | -0.0266% | 5,640 |
| Credit loss provision to net charge-offs | -187.5000% | 5,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0788% | 3,321 |
| Assets per employee ($millions) | 4.1219% | 3,607 |
| Cash dividends to net income (ytd only)* | 36.9181% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 5,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 6,114 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 51.5991% | 4,786 |
| Net loans and leases to deposits | 58.8265% | 4,970 |
| Net loans and leases to core deposits | 59.2344% | 5,186 |
| Total domestic deposits to total assets | 87.7141% | 2,080 |
| Equity capital to assets | 9.1689% | 5,138 |
| Core capital (leverage) ratio | 9.1189% | 4,854 |
| Tier 1 risk-based capital ratio | 15.5824% | 3,308 |
| Total risk-based capital ratio | 16.4210% | 3,487 |
| Memoranda: | ||
| Average total assets | $122,793,330 | 4,182 |
| Average earning assets | $113,903,670 | 4,150 |
| Average equity | $10,459,330 | 4,711 |
| Average total loans | $60,249,330 | 4,540 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5225% | 5,368 |
| Cost of funding earning assets | 0.1658% | 6,256 |
| Net interest margin | 3.3567% | 4,308 |
| Noninterest income to average assets | 0.5079% | 3,346 |
| Noninterest expense to average assets | 2.7133% | 3,892 |
| Loan and lease loss provision to assets | 0.0289% | 3,449 |
| Net operating income to assets | 0.8905% | 2,698 |
| Return on assets (ROA) | 0.8905% | 2,764 |
| Pretax return on assets | 0.8905% | 3,735 |
| Return on Equity (ROE) | 10.8532% | 1,734 |
| Retained earnings to average equity (ytd only) | 10.8532% | 769 |
| Net charge-offs to loans | -0.0270% | 5,500 |
| Credit loss provision to net charge-offs | -225.0000% | 4,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6903% | 3,021 |
| Assets per employee ($millions) | 4.3165% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 5,551 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 6,326 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 47.4305% | 5,195 |
| Net loans and leases to deposits | 52.1456% | 5,448 |
| Net loans and leases to core deposits | 52.4775% | 5,590 |
| Total domestic deposits to total assets | 90.9577% | 585 |
| Equity capital to assets | 8.5174% | 5,641 |
| Core capital (leverage) ratio | 9.0055% | 5,002 |
| Tier 1 risk-based capital ratio | 15.5224% | 3,424 |
| Total risk-based capital ratio | 16.3526% | 3,614 |
| Memoranda: | ||
| Average total assets | $124,422,500 | 4,184 |
| Average earning assets | $115,828,000 | 4,146 |
| Average equity | $10,209,000 | 4,774 |
| Average total loans | $59,231,500 | 4,617 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6376% | 5,311 |
| Cost of funding earning assets | 0.1956% | 6,316 |
| Net interest margin | 3.4419% | 4,122 |
| Noninterest income to average assets | 0.6338% | 2,894 |
| Noninterest expense to average assets | 2.6783% | 4,171 |
| Loan and lease loss provision to assets | 0.0208% | 4,715 |
| Net operating income to assets | 1.1104% | 1,903 |
| Return on assets (ROA) | 1.1312% | 1,895 |
| Pretax return on assets | 1.1312% | 2,848 |
| Return on Equity (ROE) | 13.5580% | 1,049 |
| Retained earnings to average equity (ytd only) | 4.4063% | 3,042 |
| Net charge-offs to loans | 0.1044% | 3,784 |
| Credit loss provision to net charge-offs | 42.3729% | 3,988 |
| Earnings coverage of net charge-offs (x) | 23.0508% | 1,428 |
| Efficiency ratio | 70.3057% | 3,791 |
| Assets per employee ($millions) | 4.2643% | 3,330 |
| Cash dividends to net income (ytd only)* | 67.5000% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 5,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 6,422 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 46.8277% | 5,409 |
| Net loans and leases to deposits | 51.1040% | 5,686 |
| Net loans and leases to core deposits | 51.4298% | 5,843 |
| Total domestic deposits to total assets | 91.6323% | 367 |
| Equity capital to assets | 7.8890% | 6,094 |
| Core capital (leverage) ratio | 9.0162% | 4,974 |
| Tier 1 risk-based capital ratio | 15.5203% | 3,367 |
| Total risk-based capital ratio | 16.3544% | 3,551 |
| Memoranda: | ||
| Average total assets | $120,224,600 | 4,272 |
| Average earning assets | $110,926,200 | 4,239 |
| Average equity | $10,031,000 | 4,839 |
| Average total loans | $56,490,000 | 4,733 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6404% | 5,330 |
| Cost of funding earning assets | 0.2037% | 6,382 |
| Net interest margin | 3.4367% | 4,136 |
| Noninterest income to average assets | 0.5406% | 3,516 |
| Noninterest expense to average assets | 2.6238% | 4,311 |
| Loan and lease loss provision to assets | 0.0190% | 4,631 |
| Net operating income to assets | 1.0645% | 2,135 |
| Return on assets (ROA) | 1.0991% | 2,083 |
| Pretax return on assets | 1.0991% | 3,113 |
| Return on Equity (ROE) | 12.9901% | 1,234 |
| Retained earnings to average equity (ytd only) | 2.3895% | 4,904 |
| Net charge-offs to loans | 0.1333% | 3,209 |
| Credit loss provision to net charge-offs | 30.3571% | 3,889 |
| Earnings coverage of net charge-offs (x) | 17.3225% | 1,737 |
| Efficiency ratio | 70.7743% | 3,633 |
| Assets per employee ($millions) | 4.0668% | 3,704 |
| Cash dividends to net income (ytd only)* | 81.6055% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 5,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4689% | 5,023 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 48.7078% | 5,277 |
| Net loans and leases to deposits | 53.4626% | 5,587 |
| Net loans and leases to core deposits | 53.8213% | 5,780 |
| Total domestic deposits to total assets | 91.1062% | 486 |
| Equity capital to assets | 8.2553% | 5,949 |
| Core capital (leverage) ratio | 9.0389% | 5,067 |
| Tier 1 risk-based capital ratio | 15.3211% | 3,554 |
| Total risk-based capital ratio | 16.1560% | 3,763 |
| Memoranda: | ||
| Average total assets | $119,364,250 | 4,328 |
| Average earning assets | $109,985,500 | 4,304 |
| Average equity | $10,099,750 | 4,871 |
| Average total loans | $55,989,000 | 4,792 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6329% | 5,343 |
| Cost of funding earning assets | 0.2085% | 6,432 |
| Net interest margin | 3.4244% | 4,092 |
| Noninterest income to average assets | 0.5257% | 3,666 |
| Noninterest expense to average assets | 2.6101% | 4,341 |
| Loan and lease loss provision to assets | 0.0184% | 4,526 |
| Net operating income to assets | 1.0497% | 2,112 |
| Return on assets (ROA) | 1.0497% | 2,236 |
| Pretax return on assets | 1.0497% | 3,294 |
| Return on Equity (ROE) | 12.3080% | 1,402 |
| Retained earnings to average equity (ytd only) | 9.1576% | 1,072 |
| Net charge-offs to loans | -0.0506% | 6,274 |
| Credit loss provision to net charge-offs | -78.5714% | 5,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9619% | 3,649 |
| Assets per employee ($millions) | 4.1490% | 3,473 |
| Cash dividends to net income (ytd only)* | 25.5962% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 5,179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 6,546 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 45.2772% | 5,608 |
| Net loans and leases to deposits | 49.4958% | 5,882 |
| Net loans and leases to core deposits | 49.6107% | 6,040 |
| Total domestic deposits to total assets | 91.4770% | 388 |
| Equity capital to assets | 7.7401% | 6,345 |
| Core capital (leverage) ratio | 8.6029% | 5,556 |
| Tier 1 risk-based capital ratio | 15.3782% | 3,546 |
| Total risk-based capital ratio | 16.3327% | 3,688 |
| Memoranda: | ||
| Average total assets | $119,840,330 | 4,356 |
| Average earning assets | $110,326,000 | 4,331 |
| Average equity | $10,221,000 | 4,888 |
| Average total loans | $55,311,330 | 4,839 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6260% | 5,374 |
| Cost of funding earning assets | 0.2146% | 6,511 |
| Net interest margin | 3.4114% | 4,078 |
| Noninterest income to average assets | 0.4983% | 3,780 |
| Noninterest expense to average assets | 2.6722% | 4,177 |
| Loan and lease loss provision to assets | 0.0167% | 4,254 |
| Net operating income to assets | 0.9465% | 2,449 |
| Return on assets (ROA) | 0.9465% | 2,593 |
| Pretax return on assets | 0.9465% | 3,579 |
| Return on Equity (ROE) | 10.6042% | 1,839 |
| Retained earnings to average equity (ytd only) | 10.6042% | 964 |
| Net charge-offs to loans | -0.0794% | 6,348 |
| Credit loss provision to net charge-offs | -45.4545% | 5,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5051% | 3,349 |
| Assets per employee ($millions) | 4.1336% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 5,354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 44.8513% | 5,569 |
| Net loans and leases to deposits | 49.5388% | 5,819 |
| Net loans and leases to core deposits | 49.6551% | 5,995 |
| Total domestic deposits to total assets | 90.5376% | 751 |
| Equity capital to assets | 8.9619% | 5,534 |
| Core capital (leverage) ratio | 8.5925% | 5,453 |
| Tier 1 risk-based capital ratio | 15.2221% | 3,696 |
| Total risk-based capital ratio | 16.1707% | 3,859 |
| Memoranda: | ||
| Average total assets | $119,600,000 | 4,406 |
| Average earning assets | $109,984,000 | 4,370 |
| Average equity | $10,675,000 | 4,843 |
| Average total loans | $55,407,000 | 4,874 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0450% | 5,167 |
| Cost of funding earning assets | 0.3005% | 6,447 |
| Net interest margin | 3.7446% | 3,467 |
| Noninterest income to average assets | 0.5829% | 3,375 |
| Noninterest expense to average assets | 2.6890% | 4,438 |
| Loan and lease loss provision to assets | 0.0266% | 5,560 |
| Net operating income to assets | 1.2955% | 1,315 |
| Return on assets (ROA) | 1.3067% | 1,422 |
| Pretax return on assets | 1.3067% | 2,371 |
| Return on Equity (ROE) | 15.1906% | 782 |
| Retained earnings to average equity (ytd only) | 10.3136% | 542 |
| Net charge-offs to loans | 0.0495% | 5,221 |
| Credit loss provision to net charge-offs | 110.7143% | 2,639 |
| Earnings coverage of net charge-offs (x) | 54.9286% | 638 |
| Efficiency ratio | 67.0381% | 4,321 |
| Assets per employee ($millions) | 4.1147% | 3,712 |
| Cash dividends to net income (ytd only)* | 32.1053% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 5,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 6,510 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 46.7618% | 5,538 |
| Net loans and leases to deposits | 52.1730% | 5,792 |
| Net loans and leases to core deposits | 52.2967% | 5,996 |
| Total domestic deposits to total assets | 89.6284% | 1,174 |
| Equity capital to assets | 8.8891% | 5,647 |
| Core capital (leverage) ratio | 8.0132% | 6,180 |
| Tier 1 risk-based capital ratio | 14.5780% | 3,974 |
| Total risk-based capital ratio | 15.4889% | 4,169 |
| Memoranda: | ||
| Average total assets | $116,324,000 | 4,432 |
| Average earning assets | $106,501,200 | 4,431 |
| Average equity | $10,006,200 | 4,981 |
| Average total loans | $56,594,400 | 4,848 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1032% | 5,176 |
| Cost of funding earning assets | 0.3099% | 6,565 |
| Net interest margin | 3.7933% | 3,363 |
| Noninterest income to average assets | 0.5872% | 3,368 |
| Noninterest expense to average assets | 2.6845% | 4,427 |
| Loan and lease loss provision to assets | 0.0277% | 5,436 |
| Net operating income to assets | 1.3486% | 1,329 |
| Return on assets (ROA) | 1.3578% | 1,448 |
| Pretax return on assets | 1.3578% | 2,382 |
| Return on Equity (ROE) | 15.9222% | 750 |
| Retained earnings to average equity (ytd only) | 10.8763% | 704 |
| Net charge-offs to loans | 0.0753% | 4,657 |
| Credit loss provision to net charge-offs | 75.0000% | 3,770 |
| Earnings coverage of net charge-offs (x) | 37.2775% | 930 |
| Efficiency ratio | 66.1080% | 4,435 |
| Assets per employee ($millions) | 4.0927% | 3,691 |
| Cash dividends to net income (ytd only)* | 31.6908% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 5,864 |
| Loan loss allowance to noncurrent loans | 918.1818% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 6,457 |
| Noncurrent loans to loans | 0.1151% | 6,324 |
| Net loans and leases to total assets | 47.7896% | 5,574 |
| Net loans and leases to deposits | 52.8016% | 5,906 |
| Net loans and leases to core deposits | 53.0624% | 6,114 |
| Total domestic deposits to total assets | 90.5078% | 598 |
| Equity capital to assets | 8.8392% | 5,987 |
| Core capital (leverage) ratio | 8.1423% | 6,195 |
| Tier 1 risk-based capital ratio | 14.1905% | 4,387 |
| Total risk-based capital ratio | 15.0819% | 4,626 |
| Memoranda: | ||
| Average total assets | $115,573,500 | 4,493 |
| Average earning assets | $105,834,000 | 4,488 |
| Average equity | $9,856,000 | 5,059 |
| Average total loans | $56,639,000 | 4,898 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1741% | 5,042 |
| Cost of funding earning assets | 0.3148% | 6,670 |
| Net interest margin | 3.8593% | 3,092 |
| Noninterest income to average assets | 0.5850% | 3,356 |
| Noninterest expense to average assets | 2.7450% | 4,233 |
| Loan and lease loss provision to assets | 0.0227% | 5,383 |
| Net operating income to assets | 1.3498% | 1,311 |
| Return on assets (ROA) | 1.3498% | 1,463 |
| Pretax return on assets | 1.3498% | 2,388 |
| Return on Equity (ROE) | 16.0301% | 765 |
| Retained earnings to average equity (ytd only) | 10.6799% | 811 |
| Net charge-offs to loans | -0.0638% | 6,735 |
| Credit loss provision to net charge-offs | -72.2222% | 6,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,388 |
| Assets per employee ($millions) | 4.0614% | 3,743 |
| Cash dividends to net income (ytd only)* | 33.3765% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 5,751 |
| Loan loss allowance to noncurrent loans | 758.8235% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 6,603 |
| Noncurrent loans to loans | 0.1456% | 6,299 |
| Net loans and leases to total assets | 49.0206% | 5,482 |
| Net loans and leases to deposits | 53.8933% | 5,878 |
| Net loans and leases to core deposits | 54.0330% | 6,094 |
| Total domestic deposits to total assets | 90.9586% | 460 |
| Equity capital to assets | 8.4683% | 6,241 |
| Core capital (leverage) ratio | 8.1440% | 6,105 |
| Tier 1 risk-based capital ratio | 13.7616% | 4,621 |
| Total risk-based capital ratio | 14.7101% | 4,816 |
| Memoranda: | ||
| Average total assets | $114,535,670 | 4,545 |
| Average earning assets | $104,837,000 | 4,541 |
| Average equity | $9,644,330 | 5,123 |
| Average total loans | $56,410,000 | 4,937 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1549% | 5,266 |
| Cost of funding earning assets | 0.3241% | 6,760 |
| Net interest margin | 3.8308% | 3,240 |
| Noninterest income to average assets | 0.6093% | 3,169 |
| Noninterest expense to average assets | 2.8978% | 3,632 |
| Loan and lease loss provision to assets | 0.0213% | 5,072 |
| Net operating income to assets | 1.2080% | 1,710 |
| Return on assets (ROA) | 1.2080% | 1,891 |
| Pretax return on assets | 1.2080% | 2,884 |
| Return on Equity (ROE) | 14.3889% | 1,106 |
| Retained earnings to average equity (ytd only) | 14.3889% | 524 |
| Net charge-offs to loans | -0.1010% | 6,788 |
| Credit loss provision to net charge-offs | -42.8571% | 5,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2146% | 3,770 |
| Assets per employee ($millions) | 3.9133% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 5,786 |
| Loan loss allowance to noncurrent loans | 431.2925% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 6,534 |
| Noncurrent loans to loans | 0.2628% | 6,159 |
| Net loans and leases to total assets | 48.7267% | 5,466 |
| Net loans and leases to deposits | 53.5242% | 5,858 |
| Net loans and leases to core deposits | 53.6681% | 6,082 |
| Total domestic deposits to total assets | 91.0368% | 541 |
| Equity capital to assets | 8.4081% | 6,169 |
| Core capital (leverage) ratio | 8.1746% | 6,066 |
| Tier 1 risk-based capital ratio | 14.0499% | 4,435 |
| Total risk-based capital ratio | 15.0198% | 4,616 |
| Memoranda: | ||
| Average total assets | $112,913,000 | 4,622 |
| Average earning assets | $103,685,500 | 4,611 |
| Average equity | $9,479,500 | 5,175 |
| Average total loans | $55,424,000 | 5,001 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 5,189 |
| Cost of funding earning assets | 0.5149% | 6,469 |
| Net interest margin | 3.9526% | 3,093 |
| Noninterest income to average assets | 0.5638% | 3,401 |
| Noninterest expense to average assets | 3.0013% | 3,586 |
| Loan and lease loss provision to assets | -0.1203% | 7,285 |
| Net operating income to assets | 1.3109% | 1,215 |
| Return on assets (ROA) | 1.3165% | 1,303 |
| Pretax return on assets | 1.3165% | 2,063 |
| Return on Equity (ROE) | 16.2525% | 566 |
| Retained earnings to average equity (ytd only) | 10.6958% | 449 |
| Net charge-offs to loans | -0.4008% | 7,266 |
| Credit loss provision to net charge-offs | 58.4475% | 5,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5983% | 3,661 |
| Assets per employee ($millions) | 3.7447% | 4,449 |
| Cash dividends to net income (ytd only)* | 34.1899% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 5,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 6,951 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 48.3372% | 5,792 |
| Net loans and leases to deposits | 53.0583% | 6,134 |
| Net loans and leases to core deposits | 53.2023% | 6,357 |
| Total domestic deposits to total assets | 91.1020% | 466 |
| Equity capital to assets | 8.3826% | 6,268 |
| Core capital (leverage) ratio | 7.9124% | 6,347 |
| Tier 1 risk-based capital ratio | 13.8468% | 4,445 |
| Total risk-based capital ratio | 14.8083% | 4,626 |
| Memoranda: | ||
| Average total assets | $106,419,200 | 4,721 |
| Average earning assets | $97,682,400 | 4,696 |
| Average equity | $8,620,200 | 5,377 |
| Average total loans | $54,647,200 | 5,085 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 5,247 |
| Cost of funding earning assets | 0.5736% | 6,414 |
| Net interest margin | 3.9281% | 3,238 |
| Noninterest income to average assets | 0.5705% | 3,371 |
| Noninterest expense to average assets | 3.0569% | 3,325 |
| Loan and lease loss provision to assets | -0.1728% | 7,380 |
| Net operating income to assets | 1.2883% | 1,407 |
| Return on assets (ROA) | 1.2883% | 1,507 |
| Pretax return on assets | 1.2883% | 2,328 |
| Return on Equity (ROE) | 16.0547% | 678 |
| Retained earnings to average equity (ytd only) | 10.8456% | 656 |
| Net charge-offs to loans | -0.5472% | 7,349 |
| Credit loss provision to net charge-offs | 60.7143% | 4,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2643% | 3,323 |
| Assets per employee ($millions) | 3.6196% | 4,708 |
| Cash dividends to net income (ytd only)* | 32.4460% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 5,776 |
| Loan loss allowance to noncurrent loans | 1,175.0000% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 6,891 |
| Noncurrent loans to loans | 0.0960% | 6,691 |
| Net loans and leases to total assets | 49.3300% | 5,790 |
| Net loans and leases to deposits | 54.1907% | 6,198 |
| Net loans and leases to core deposits | 54.5100% | 6,423 |
| Total domestic deposits to total assets | 91.0304% | 421 |
| Equity capital to assets | 8.2798% | 6,502 |
| Core capital (leverage) ratio | 7.8261% | 6,541 |
| Tier 1 risk-based capital ratio | 14.0637% | 4,308 |
| Total risk-based capital ratio | 15.0622% | 4,455 |
| Memoranda: | ||
| Average total assets | $104,939,000 | 4,791 |
| Average earning assets | $96,228,500 | 4,768 |
| Average equity | $8,421,000 | 5,462 |
| Average total loans | $54,580,000 | 5,135 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5409% | 5,211 |
| Cost of funding earning assets | 0.6026% | 6,451 |
| Net interest margin | 3.9383% | 3,133 |
| Noninterest income to average assets | 0.5727% | 3,316 |
| Noninterest expense to average assets | 3.1565% | 3,061 |
| Loan and lease loss provision to assets | -0.2757% | 7,462 |
| Net operating income to assets | 1.2958% | 1,333 |
| Return on assets (ROA) | 1.2958% | 1,405 |
| Pretax return on assets | 1.2958% | 2,149 |
| Return on Equity (ROE) | 16.3285% | 633 |
| Retained earnings to average equity (ytd only) | 11.2502% | 627 |
| Net charge-offs to loans | -0.8298% | 7,431 |
| Credit loss provision to net charge-offs | 62.9956% | 4,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5771% | 3,093 |
| Assets per employee ($millions) | 3.5663% | 4,768 |
| Cash dividends to net income (ytd only)* | 31.1012% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 5,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 7,077 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 50.3888% | 5,770 |
| Net loans and leases to deposits | 55.4549% | 6,180 |
| Net loans and leases to core deposits | 57.6046% | 6,299 |
| Total domestic deposits to total assets | 90.8646% | 559 |
| Equity capital to assets | 8.1223% | 6,584 |
| Core capital (leverage) ratio | 7.9565% | 6,351 |
| Tier 1 risk-based capital ratio | 14.2357% | 3,987 |
| Total risk-based capital ratio | 15.2665% | 4,136 |
| Memoranda: | ||
| Average total assets | $103,722,330 | 4,863 |
| Average earning assets | $94,914,330 | 4,851 |
| Average equity | $8,231,000 | 5,539 |
| Average total loans | $54,714,000 | 5,181 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5712% | 5,074 |
| Cost of funding earning assets | 0.6237% | 6,505 |
| Net interest margin | 3.9475% | 2,923 |
| Noninterest income to average assets | 0.5603% | 3,432 |
| Noninterest expense to average assets | 3.2482% | 2,712 |
| Loan and lease loss provision to assets | -0.5838% | 7,542 |
| Net operating income to assets | 1.5163% | 846 |
| Return on assets (ROA) | 1.5163% | 887 |
| Pretax return on assets | 1.5163% | 1,400 |
| Return on Equity (ROE) | 19.3464% | 375 |
| Retained earnings to average equity (ytd only) | 19.3464% | 185 |
| Net charge-offs to loans | -1.6493% | 7,506 |
| Credit loss provision to net charge-offs | 65.9292% | 3,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6945% | 2,894 |
| Assets per employee ($millions) | 3.4513% | 5,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 5,994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 7,086 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 51.4637% | 5,653 |
| Net loans and leases to deposits | 56.4030% | 6,094 |
| Net loans and leases to core deposits | 58.4624% | 6,214 |
| Total domestic deposits to total assets | 91.2429% | 514 |
| Equity capital to assets | 7.9081% | 6,587 |
| Core capital (leverage) ratio | 8.1035% | 6,124 |
| Tier 1 risk-based capital ratio | 14.3660% | 3,826 |
| Total risk-based capital ratio | 15.4035% | 3,943 |
| Memoranda: | ||
| Average total assets | $102,088,500 | 4,944 |
| Average earning assets | $93,629,000 | 4,923 |
| Average equity | $8,001,500 | 5,606 |
| Average total loans | $54,812,000 | 5,220 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1040% | 4,082 |
| Cost of funding earning assets | 0.8021% | 6,559 |
| Net interest margin | 4.3019% | 1,815 |
| Noninterest income to average assets | 0.6582% | 3,097 |
| Noninterest expense to average assets | 3.1864% | 3,143 |
| Loan and lease loss provision to assets | 0.0847% | 6,305 |
| Net operating income to assets | 1.2582% | 1,270 |
| Return on assets (ROA) | 1.2582% | 1,344 |
| Pretax return on assets | 1.2582% | 2,053 |
| Return on Equity (ROE) | 15.5060% | 643 |
| Retained earnings to average equity (ytd only) | 9.9504% | 535 |
| Net charge-offs to loans | 0.1151% | 5,725 |
| Credit loss provision to net charge-offs | 123.0769% | 3,383 |
| Earnings coverage of net charge-offs (x) | 19.5231% | 1,052 |
| Efficiency ratio | 70.3505% | 4,102 |
| Assets per employee ($millions) | 3.3546% | 5,288 |
| Cash dividends to net income (ytd only)* | 35.8284% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 6,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 7,025 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 54.8660% | 5,511 |
| Net loans and leases to deposits | 60.0860% | 6,047 |
| Net loans and leases to core deposits | 62.3438% | 6,211 |
| Total domestic deposits to total assets | 91.3124% | 455 |
| Equity capital to assets | 7.7655% | 6,699 |
| Core capital (leverage) ratio | 7.9415% | 6,273 |
| Tier 1 risk-based capital ratio | 13.7208% | 4,044 |
| Total risk-based capital ratio | 14.6267% | 4,269 |
| Memoranda: | ||
| Average total assets | $94,496,600 | 5,142 |
| Average earning assets | $85,032,000 | 5,180 |
| Average equity | $7,668,000 | 5,819 |
| Average total loans | $56,452,000 | 5,214 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1935% | 3,864 |
| Cost of funding earning assets | 0.8506% | 6,578 |
| Net interest margin | 4.3429% | 1,701 |
| Noninterest income to average assets | 0.6540% | 3,100 |
| Noninterest expense to average assets | 3.1812% | 2,996 |
| Loan and lease loss provision to assets | 0.0918% | 6,118 |
| Net operating income to assets | 1.2693% | 1,412 |
| Return on assets (ROA) | 1.2693% | 1,496 |
| Pretax return on assets | 1.2693% | 2,259 |
| Return on Equity (ROE) | 15.4623% | 782 |
| Retained earnings to average equity (ytd only) | 9.7491% | 855 |
| Net charge-offs to loans | 0.1224% | 5,321 |
| Credit loss provision to net charge-offs | 123.0769% | 3,335 |
| Earnings coverage of net charge-offs (x) | 18.2504% | 1,273 |
| Efficiency ratio | 70.0347% | 4,060 |
| Assets per employee ($millions) | 3.2132% | 5,651 |
| Cash dividends to net income (ytd only)* | 36.9492% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9056% | 6,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 6,951 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 59.0294% | 5,100 |
| Net loans and leases to deposits | 65.2389% | 5,752 |
| Net loans and leases to core deposits | 67.3843% | 6,002 |
| Total domestic deposits to total assets | 90.4820% | 648 |
| Equity capital to assets | 8.3084% | 6,494 |
| Core capital (leverage) ratio | 8.1386% | 6,138 |
| Tier 1 risk-based capital ratio | 13.3349% | 4,328 |
| Total risk-based capital ratio | 14.2336% | 4,562 |
| Memoranda: | ||
| Average total assets | $92,961,250 | 5,252 |
| Average earning assets | $83,230,500 | 5,299 |
| Average equity | $7,631,250 | 5,905 |
| Average total loans | $56,630,250 | 5,289 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2676% | 3,612 |
| Cost of funding earning assets | 0.8935% | 6,612 |
| Net interest margin | 4.3741% | 1,528 |
| Noninterest income to average assets | 0.7036% | 2,679 |
| Noninterest expense to average assets | 3.1977% | 2,906 |
| Loan and lease loss provision to assets | 0.1002% | 5,907 |
| Net operating income to assets | 1.2874% | 1,337 |
| Return on assets (ROA) | 1.2874% | 1,396 |
| Pretax return on assets | 1.2874% | 2,131 |
| Return on Equity (ROE) | 15.7488% | 728 |
| Retained earnings to average equity (ytd only) | 10.0995% | 825 |
| Net charge-offs to loans | 0.0745% | 5,401 |
| Credit loss provision to net charge-offs | 219.0476% | 1,776 |
| Earnings coverage of net charge-offs (x) | 30.3333% | 910 |
| Efficiency ratio | 69.7387% | 4,235 |
| Assets per employee ($millions) | 3.1396% | 5,816 |
| Cash dividends to net income (ytd only)* | 35.8714% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 6,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 7,208 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 59.9826% | 5,060 |
| Net loans and leases to deposits | 65.9542% | 5,809 |
| Net loans and leases to core deposits | 67.9451% | 6,059 |
| Total domestic deposits to total assets | 90.9459% | 508 |
| Equity capital to assets | 8.2780% | 6,453 |
| Core capital (leverage) ratio | 8.1286% | 6,068 |
| Tier 1 risk-based capital ratio | 13.2509% | 4,251 |
| Total risk-based capital ratio | 14.1880% | 4,457 |
| Memoranda: | ||
| Average total assets | $91,816,330 | 5,328 |
| Average earning assets | $81,479,670 | 5,389 |
| Average equity | $7,505,330 | 5,967 |
| Average total loans | $56,366,330 | 5,339 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3556% | 3,268 |
| Cost of funding earning assets | 0.9279% | 6,666 |
| Net interest margin | 4.4277% | 1,303 |
| Noninterest income to average assets | 0.6753% | 2,775 |
| Noninterest expense to average assets | 3.1557% | 3,028 |
| Loan and lease loss provision to assets | 0.1280% | 5,296 |
| Net operating income to assets | 1.2667% | 1,370 |
| Return on assets (ROA) | 1.2667% | 1,442 |
| Pretax return on assets | 1.2667% | 2,146 |
| Return on Equity (ROE) | 15.5989% | 787 |
| Retained earnings to average equity (ytd only) | 15.5989% | 369 |
| Net charge-offs to loans | -0.0500% | 7,347 |
| Credit loss provision to net charge-offs | -414.2857% | 6,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3501% | 4,433 |
| Assets per employee ($millions) | 3.0332% | 6,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 6,623 |
| Loan loss allowance to noncurrent loans | 309.0909% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1934% | 6,985 |
| Noncurrent loans to loans | 0.3119% | 6,691 |
| Net loans and leases to total assets | 61.4067% | 4,872 |
| Net loans and leases to deposits | 67.3761% | 5,665 |
| Net loans and leases to core deposits | 67.3761% | 6,170 |
| Total domestic deposits to total assets | 91.1402% | 487 |
| Equity capital to assets | 8.2488% | 6,372 |
| Core capital (leverage) ratio | 8.2328% | 5,863 |
| Tier 1 risk-based capital ratio | 13.5149% | 3,971 |
| Total risk-based capital ratio | 14.5025% | 4,109 |
| Memoranda: | ||
| Average total assets | $90,630,000 | 5,430 |
| Average earning assets | $79,319,000 | 5,530 |
| Average equity | $7,359,500 | 6,068 |
| Average total loans | $56,034,500 | 5,419 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7918% | 2,691 |
| Cost of funding earning assets | 1.2411% | 6,504 |
| Net interest margin | 4.5507% | 1,072 |
| Noninterest income to average assets | 0.7476% | 2,695 |
| Noninterest expense to average assets | 3.7226% | 1,857 |
| Loan and lease loss provision to assets | -0.2212% | 8,000 |
| Net operating income to assets | 1.2128% | 1,220 |
| Return on assets (ROA) | 1.2128% | 1,265 |
| Pretax return on assets | 1.2128% | 1,919 |
| Return on Equity (ROE) | 14.4651% | 717 |
| Retained earnings to average equity (ytd only) | 8.8597% | 516 |
| Net charge-offs to loans | -0.5232% | 7,948 |
| Credit loss provision to net charge-offs | 64.7887% | 6,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9648% | 3,046 |
| Assets per employee ($millions) | 3.1126% | 5,960 |
| Cash dividends to net income (ytd only)* | 38.7512% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 6,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 7,101 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 61.0868% | 5,178 |
| Net loans and leases to deposits | 66.8420% | 5,963 |
| Net loans and leases to core deposits | 74.6709% | 6,494 |
| Total domestic deposits to total assets | 91.3898% | 406 |
| Equity capital to assets | 7.9909% | 6,592 |
| Core capital (leverage) ratio | 8.0879% | 6,015 |
| Tier 1 risk-based capital ratio | 13.1738% | 4,027 |
| Total risk-based capital ratio | 14.1088% | 4,194 |
| Memoranda: | ||
| Average total assets | $83,195,000 | 5,623 |
| Average earning assets | $72,516,400 | 5,736 |
| Average equity | $6,975,400 | 6,279 |
| Average total loans | $54,277,200 | 5,492 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8565% | 2,641 |
| Cost of funding earning assets | 1.2957% | 6,570 |
| Net interest margin | 4.5609% | 1,053 |
| Noninterest income to average assets | 0.8040% | 2,410 |
| Noninterest expense to average assets | 3.7890% | 1,615 |
| Loan and lease loss provision to assets | -0.3275% | 8,088 |
| Net operating income to assets | 1.3541% | 1,111 |
| Return on assets (ROA) | 1.3541% | 1,175 |
| Pretax return on assets | 1.3541% | 1,816 |
| Return on Equity (ROE) | 15.9433% | 666 |
| Retained earnings to average equity (ytd only) | 11.3357% | 434 |
| Net charge-offs to loans | -0.7663% | 8,033 |
| Credit loss provision to net charge-offs | 64.5161% | 6,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6807% | 3,053 |
| Assets per employee ($millions) | 2.8376% | 6,563 |
| Cash dividends to net income (ytd only)* | 28.8997% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9411% | 6,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 64.1708% | 4,831 |
| Net loans and leases to deposits | 71.1348% | 5,783 |
| Net loans and leases to core deposits | 79.9883% | 6,354 |
| Total domestic deposits to total assets | 90.2102% | 695 |
| Equity capital to assets | 8.5423% | 6,198 |
| Core capital (leverage) ratio | 8.4707% | 5,542 |
| Tier 1 risk-based capital ratio | 13.6379% | 3,758 |
| Total risk-based capital ratio | 14.6309% | 3,881 |
| Memoranda: | ||
| Average total assets | $81,427,500 | 5,715 |
| Average earning assets | $71,622,250 | 5,799 |
| Average equity | $6,916,000 | 6,345 |
| Average total loans | $53,934,500 | 5,559 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9612% | 2,341 |
| Cost of funding earning assets | 1.3708% | 6,581 |
| Net interest margin | 4.5903% | 974 |
| Noninterest income to average assets | 0.8405% | 2,216 |
| Noninterest expense to average assets | 3.9928% | 1,326 |
| Loan and lease loss provision to assets | -0.5063% | 8,185 |
| Net operating income to assets | 1.3792% | 1,071 |
| Return on assets (ROA) | 1.3792% | 1,139 |
| Pretax return on assets | 1.3792% | 1,792 |
| Return on Equity (ROE) | 16.2711% | 660 |
| Retained earnings to average equity (ytd only) | 11.7399% | 481 |
| Net charge-offs to loans | -1.1358% | 8,126 |
| Credit loss provision to net charge-offs | 66.7763% | 5,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0605% | 2,715 |
| Assets per employee ($millions) | 2.7299% | 6,775 |
| Cash dividends to net income (ytd only)* | 27.8481% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 6,457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 7,257 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 63.6059% | 5,060 |
| Net loans and leases to deposits | 70.2228% | 5,969 |
| Net loans and leases to core deposits | 78.7733% | 6,500 |
| Total domestic deposits to total assets | 90.5773% | 601 |
| Equity capital to assets | 8.5045% | 6,041 |
| Core capital (leverage) ratio | 8.3738% | 5,669 |
| Tier 1 risk-based capital ratio | 13.9220% | 3,568 |
| Total risk-based capital ratio | 14.9432% | 3,623 |
| Memoranda: | ||
| Average total assets | $80,193,670 | 5,794 |
| Average earning assets | $70,321,670 | 5,875 |
| Average equity | $6,797,330 | 6,441 |
| Average total loans | $53,530,330 | 5,618 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0712% | 2,071 |
| Cost of funding earning assets | 1.4619% | 6,532 |
| Net interest margin | 4.6093% | 925 |
| Noninterest income to average assets | 0.8268% | 2,192 |
| Noninterest expense to average assets | 3.9576% | 1,234 |
| Loan and lease loss provision to assets | 0.0504% | 6,339 |
| Net operating income to assets | 0.8722% | 2,832 |
| Return on assets (ROA) | 0.8722% | 2,979 |
| Pretax return on assets | 0.8722% | 3,821 |
| Return on Equity (ROE) | 10.3076% | 2,195 |
| Retained earnings to average equity (ytd only) | 10.3076% | 1,118 |
| Net charge-offs to loans | -0.0741% | 7,808 |
| Credit loss provision to net charge-offs | -100.0000% | 6,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0950% | 2,664 |
| Assets per employee ($millions) | 2.7111% | 6,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8109% | 7,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 7,055 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 64.5183% | 4,898 |
| Net loans and leases to deposits | 70.9751% | 5,872 |
| Net loans and leases to core deposits | 79.2539% | 6,438 |
| Total domestic deposits to total assets | 90.9027% | 445 |
| Equity capital to assets | 8.3276% | 6,349 |
| Core capital (leverage) ratio | 8.3221% | 5,863 |
| Tier 1 risk-based capital ratio | 13.3036% | 3,992 |
| Total risk-based capital ratio | 14.1538% | 4,175 |
| Memoranda: | ||
| Average total assets | $79,341,500 | 5,848 |
| Average earning assets | $69,771,500 | 5,920 |
| Average equity | $6,713,500 | 6,514 |
| Average total loans | $53,995,000 | 5,633 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3823% | 3,512 |
| Cost of funding earning assets | 1.9123% | 6,694 |
| Net interest margin | 4.4700% | 1,491 |
| Noninterest income to average assets | 0.9272% | 1,868 |
| Noninterest expense to average assets | 3.8723% | 1,616 |
| Loan and lease loss provision to assets | -0.2883% | 8,282 |
| Net operating income to assets | 1.4167% | 1,190 |
| Return on assets (ROA) | 1.4167% | 1,146 |
| Pretax return on assets | 1.4167% | 1,921 |
| Return on Equity (ROE) | 17.0607% | 624 |
| Retained earnings to average equity (ytd only) | 9.8674% | 468 |
| Net charge-offs to loans | -0.5101% | 8,217 |
| Credit loss provision to net charge-offs | 79.8561% | 5,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4344% | 3,006 |
| Assets per employee ($millions) | 2.9750% | 6,116 |
| Cash dividends to net income (ytd only)* | 42.1632% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7425% | 7,322 |
| Loan loss allowance to noncurrent loans | 681.6667% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 6,747 |
| Noncurrent loans to loans | 0.1089% | 7,086 |
| Net loans and leases to total assets | 70.6882% | 3,858 |
| Net loans and leases to deposits | 78.0891% | 5,324 |
| Net loans and leases to core deposits | 85.8758% | 6,142 |
| Total domestic deposits to total assets | 90.5224% | 479 |
| Equity capital to assets | 8.6023% | 5,932 |
| Core capital (leverage) ratio | 8.4246% | 5,705 |
| Tier 1 risk-based capital ratio | 12.7647% | 4,249 |
| Total risk-based capital ratio | 13.5630% | 4,460 |
| Memoranda: | ||
| Average total assets | $77,009,200 | 5,799 |
| Average earning assets | $70,178,200 | 5,811 |
| Average equity | $6,394,800 | 6,679 |
| Average total loans | $54,503,000 | 5,509 |